Chapter 932: Another Plan

Nine out of nine out of thirteen returnees of Zhongnong Gongjian are the most criticized.

Usually 1 million items are mortgaged, and you can get a loan of up to 500,000, even if you are lucky.

Of course, it is impossible for Xiao Qi to get only 50%, 90% for the dream pad and the app store, and 70% for the 76,000 mu of land in Rongcheng, but none of them are as attractive as Yu Minwei said.

If the loan is 100% of the purchase price, it means that Xiao Qi can have a lot of working capital.

And if you think about it again, since the land can be 100% mortgaged, what about the dream pad? What about the dream pad app store?

The implicit meaning in Yu Minwei's words is that these two cornucopias that are increasing in price anytime and anywhere can completely adjust the mortgage loan price at any time, this is really awesome!

Seeing Xiao Qi's heartbeat, Yu Minwei said while the iron was hot: "Qi Shao, I think a one-step cooperation is definitely unrealistic. If we don't do this, you first give us the 40 billion US dollars this time to exchange for savings. Then we start the business cooperation on Xiaoyao Express first, you can see our sincerity first!"

"You also think real estate is very profitable?"

Xiao Qi suddenly realized that the purpose of Yu Minwei's coming here was not for the dream pad at all, but for the free delivery!

Thinking about it carefully, although China Merchants, the parent company of China Merchants Bank, is also one of the central enterprises of the State-owned Assets Supervision and Administration Commission of the State Council, compared with the four major commercial banks of China Agricultural Industry and Construction that dominate the mainland, they are simply born of stepmothers, and their asset scale is inferior. Not to mention several times, even the size of the branches in each city is greatly restricted.

Even the four major commercial banks of China Agricultural Industry and Construction would dare to monopolize the fat of Fairy Company. Let alone a China Merchants Bank.

If Yu Minwei can become the vice president of the head office, he will not be a brainless person. He knows that if he insists on the business of Fairy Company, it will provoke the joint suppression of the four major commercial banks. How can he take the risk?

So he chose the Xiaoyao Express market newly developed by Xiao Qi.

Xiao Qi reacted quickly because he remembered China Merchants Real Estate, another super-large state-owned enterprise under China Merchants.

Although Niu Ruzheng had already given the order. Central enterprises are not allowed to enter the real estate industry, but the problem is that China Merchants Bank was established three years ago in 2004, and the companies established before the administrative order were not small, and Niu Ruzheng could not order them to dissolve.

The same is true of Overseas Chinese Town established by the State-owned Assets Supervision and Administration Commission in 1985, Huaguo Real Estate Development Group Corporation established in 1987, Minmetals Real Estate in 2002, COFCO Real Estate in 2006, Poly Real Estate in 2006, etc. , There is no way to stop them, only to use policies to limit them as much as possible.

However, the large real estate groups such as Huaguo Railway Construction and China Railway Real Estate of the Ministry of Railways, Sinochem Group’s Sino-Ocean Real Estate, Gezhouba Real Estate, etc., which will gradually start to be established this year, as well as a large number of small and medium-sized real estate companies established by central enterprises, are still early. It was stopped by Niu Ruzheng as a precautionary measure.

Just look at the ministries and commissions above these subway companies. You know how much pressure Niu Ruzheng is under, not to mention him, even President Bian is also under a lot of pressure.

Fortunately, President Bian strongly supported, and Niu Ruzheng tried his best to resist, which prevented the real estate from becoming a runaway wild horse.

it is good.

Back to the topic.

China Merchants Real Estate Co., Ltd. is also working hard on the layout recently, but none of the real estate companies have grown into behemoths a few years later, and their capital is still relatively small. So the shot is not generous.

We have to wait until after the financial crisis in 2008 and after the 6 trillion infrastructure construction plan. Real estate will take the opportunity to suddenly expand, and gradually become a major driving force for kidnapping local finances.

It is precisely because they saw Xiaoyao Express’s frantic purchase of land that they found business opportunities in it-becoming a partner of an express company with a scale of hundreds of billions is definitely a very realistic way to increase its strength, and it is definitely more powerful than before. It is much more realistic to grab the big fat piece of dream pad.

Besides, let's build a good relationship with Xiao Qi first. With the foundation of successful cooperation, do you worry about not having more cooperation opportunities in the future?

It took only a moment to figure out so many problems.

Yu Minwei was very surprised, he didn't expect Xiao Qi to react so quickly.

With a wry smile, he said carefully: "Our China Merchants Bank doesn't value real estate that much. The market segmentation is too serious, and we have little advantage in personal loans, so I prefer to choose corporate users. Fairy The company’s Xiaoyao Express is the best choice for us to further develop. Not only loans for buying land, but also various loans after you build houses and commercial real estate in the future are very attractive to China Merchants Bank.”

"Maybe I will disappoint you." Xiao Qi shook his head, "I'm not going to do real estate. These lands are really prepared for logistics bases."

"What kind of logistics base can use hundreds of thousands of acres of land across the country?" Yu Minwei smiled slightly, not convinced, "Even if a logistics base is used, at most it will allocate a piece of land. There are two or three people in a city. Ten mu is enough. The largest one is in Beijing, Shanghai, Guangzhou and Shenzhen, and there is at most about 100 mu.”

He is using the current scale to calculate the future express delivery industry.

But can Xiao Qi tell him that in 2012, the delivery volume of the express delivery industry will exceed 50 million pieces per day, and in 2013 it will directly exceed 100 million pieces per day?

With such a large-scale sending and delivery volume, Beijing, Shanghai, Guangzhou and Shenzhen have to occupy 10%, which is a mere 100 mu of land, which is hardly even the mantissa.

"Whether you believe it or not, we made this decision. The next step is to start construction, which does not involve house construction and sales." Xiao Qi said in a flat voice, "It's fine if you want to take this business, but not in the future. Blame me for not reminding you."

"As long as Qi Shao agrees, no matter what Xiaoyao Express does, we will be happy."

Yu Minwei thought that Xiao Qi was just trying to test him, so he openly stated the decision that the bank had already made before he came here.

Xiao Qi doesn't think that China Merchants Bank has stepped into a pit when it got this business, because the express delivery industry will need to involve a lot of capital operations in the future, which is really a good supplement to the bank, but it is different from Yu Minwei's current plan That's all.

Or it can be said that Yu Minwei got a business in an emerging industry that is enough to make China Merchants Bank's business take off by mistake! (To be continued..)

ps:   I forgot to say, on the page of the book, there is a vote for (the best work of 2013), free of charge, Xiu Cai voted for himself three times last night, it seems that everyone has it, no money, no fan value ... I beg everyone to reward a few more, anyway, don't look ugly!