Age of Dreams

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"The first RMB clearing pilot, what do you think is better?" Niu Ruzheng asked after joking.

"I don't know about this, and I have to ask the experts to think about it." Xiao Qi said, "After all, I am more familiar with the country's specific strategies, and I don't know that much."

"You can hide your clumsiness!" Niu Ruzheng smiled, "That's fine, lest they say you have done all their things."

Xiao Qi actually meant this too.

Regarding RMB liquidation, Niu Ruzheng asked him to talk about it. Xiao Qi only needs to reply to his own opinions.

As for what to do, if Xiao Qi also intervenes, I am afraid that many people will be unhappy.

After all, Xiao Qi is a businessman, and it is not his intention to intervene too much in financial currency.

As long as the Chinese economy has not made a mistake in the general path, it will be fine.

"I actually prefer to pilot in India first." Niu Ruzheng said flatly to Xiao Qi, "First, India has a large economic aggregate and a large population. Second, your Xiaoyao Mall is a good way to enter India like this. Do things from scratch."

"India is not good." Xiao Qi shook his head. "First, their economy is relatively backward; second, their imports and exports to China are not large; third, there is a lack of Chinese people here to mediate as lubricants."

"I understand." Niu Ruzheng asked about Xiao Qi's inclination, and turned to another topic. "Recently, news from Pakistan came to say, why would a Chinese friend open a Xiaoyao Mall in India but not in Pakistan? Can it be earlier? Let Pakistan also enjoy the convenience of Xiaoyao Mall?"

"I think, but the first target to set foot in India is a very important consideration." Xiao Qi smiled, "India has too many people! The population of 1.3 billion is enough for Xiaoyao Shopping Mall in a short time. It is profitable within, so that everyone can see the success of Xiaoyao Mall! With the roots of the two major markets in China and India, I have the ability to expand to other countries in Southeast Asia."

"That's right, the population of more than 2.8 billion is naturally a lot!" Niu Ruzheng nodded. "But after this, how to deal with Pakistan's Xiaoyao Mall, as well as the relationship between Pakistan and India, then you will have to worry a lot."

"No way. This is something I, a businessman, should consider." Xiao Qi said, "Fortunately, both of them are foreigners. So doing business only needs to uphold the advantages of honesty, low prices and good quality."

"If you can uphold this concept, at least within Asia, Xiaoyao Mall will develop and grow steadily." Niu Ruzheng said.

Xiao Qi sighed: "It's a pity that the business philosophy in Europe and the United States is different from that in Asia. Moreover, it is too difficult for China's Internet service business to truly take root in Europe and the United States, otherwise it is like Amazon. That way, it’s not impossible to build a business website all over the world."

"Don't be greedy when you do things." Niu Ruzheng admonished: "No matter how you want to develop it in the future, you must go step by step now, so that you can develop it in the future."

"Yes." Xiao Qi responded with a smile.

"By the way, several of your factories in Pakistan, are they operating well now?" Niu Ruzheng asked.

"Of course it's not bad. Seven or eight factories, large and small, have started work over there one after another, employing more than 400,000 workers, and pulling the industrial chain of about 10 million workers. For both of us, It is a very beneficial thing." Xiao Qi said, "Last month their ambassador made a special trip to Rongcheng, hoping to bring in more Fairy Company parts factories!"

"That's good. Nowadays, the removal of labor-intensive industries from China is an unchangeable trend. Rather than let others take advantage of it, it is better to give it to Pakistan. At least we are good friends. The better they develop, The more beneficial it is for us." Niu Ru is righteous.

Xiao Qi knew this point.

In fact, in the past two years. Thanks to the efforts of the Chinese government, at least 20 or 30 labor-intensive industries have moved to Pakistan, solving a large number of employment problems for them and making their national economy a lot better.

"By the way, Uncle Niu, this time I come to the capital. There is still one thing I want to ask you for help, and it happens to be related to Xiaoyao Shopping Mall." Xiao Qi said with a serious face.

"You talk about it." Niu Ruzheng said calmly.

"Yes, you know that our Xiaoyao Mall will enter the Indian market next month. The thousands of small commodity manufacturers we have contacted are almost in place." Xiao Qi said, "but there is a problem here, that That is, they are generally not large in scale, and working capital is difficult. But because the scale is small, the bank can't take care of it, so I wondered if there is a solution."

"Didn't the central bank specially approved more than 500 billion yuan as a loan for small and medium-sized enterprises? Isn't it enough?" Niu Ruzheng asked.

"More than 500 billion yuan seems to be a lot, but if it is distributed to hundreds of thousands of small and medium-sized factories in China, how much can each one get?" Xiao Qi said, "not to mention that this is not an even distribution, the bigger the factory The more I get, most of the factories I look for are small factories with less than 300 workers. Thank goodness for getting a loan of 1 million yuan. But such a loan can be maintained for a while. If you want to expand production , Then it’s a little overwhelming."

"The country can't provide more money to support them. After all, the major commercial banks have their own ideas." Niu Ruzheng said flatly.

Not only in China, commercial banks in every country like to lend money to large customers, so that there is a guarantee, and they don’t need too cumbersome loans.

Therefore, in previous years in China, at least 60% of the commercial loans in excess of RMB 2 trillion a year were given to major central enterprises and large state-owned enterprises, and then 30% were to large-scale and profitable food, real estate, steel, cement, etc. In the industry, only 10% is divided between SMEs and factories.

This is also an important reason why in the past few years, when the financial turmoil spread, small and medium factories closed down one after another!

None of them have the ability to resist risks. When the market is a little bit bad, they directly tighten the capital chain. Once they break, how do you tell them to maintain production?

This life is different. Under Xiao Qi’s reminder, last year the central bank allocated more than 300 billion yuan to small and medium-sized factories, and this year it also allocated more than 500 billion yuan to small and medium-sized enterprises. Generally speaking, it relieved many small and medium-sized enterprises. Difficulties, but from another aspect, the number of orders received by small and medium-sized enterprises has been declining. Many small and medium-sized enterprises are only saving their lives with money, and there is no way to develop production.

"If I think, if other commercial banks don't have enough loans for small and medium-sized factories, can Fairy Bank issue a loan to them?" Xiao Qi said, "As soon as Fairy Bank has too many deposit funds, it's a matter of not having to go out. This kind of waste; secondly, I also only loan for those small and medium-sized factories that have an order agreement with Xiaoyao Mall, and the amount is not large. If they can get several million or tens of millions of loans, then there is still more for their own production expansion. There are great benefits in stimulating the operation of raw material companies!"

Niu Ruzheng looked at Xiao Qi and laughed.

This kid has been around for a long time, finally speaking out his purpose.

It turned out that he wanted to take the opportunity to expand the business of Fairy Bank.

The main business of Fairy Bank today is only bundled with WeChat Wallet, Xiaoyao Wallet, Zifubao, etc., and is responsible for the exchange of these online funds.

Although there are hundreds of billions of yuan in flow, the key is that these funds cannot bring large profits to Fairy Bank.

As a result, for the sale of the Shangri-La community, the Fairy Bank obliged the Capital City to agree to let the Fairy Bank do housing loans, which increased some profits.

But for the Fairy Bank with such a large stall, all these profits can still be considered a drop in the bucket, and it is not enough for half a year of loss.

Niu Ruzheng has heard people say that Fairy Bank now has a net loss of more than 3 billion in half a year, which is the largest loss among all banks.

It seems that Xiao Qi can't stand still now!

After thinking about it, Niu Ruzheng asked, "How much are you going to borrow and how many small and medium-sized factories are you going to support?"

"Not much, probably about 100 billion, involving more than 10,000 factories, of which factories with less than 300 employees account for the majority." Xiao Qi replied clearly.

"There are so many types of products in Xiaoyao Mall?"

"No, if a product sells well, then I will place orders for several other factories of the same type and let them also make this product." Xiao Qi explained, "This will increase their responsibilities. You can also monitor the quality of each other, so that after a product is monopolized ~www.wuxiaspot.com~, the production and quality control will gradually become unnecessary."

"Not bad." Niu Ruzheng nodded, "The biggest problem with state-owned enterprises is here, so we intend to diversify their market."

Xiao Qi refrained from speaking. Even if it launched a new company, it was a state-owned enterprise, and there were still many drawbacks!

But Xiao Qi didn't have the turn to intervene in this matter, so he naturally didn't talk about it.

After pondering for a while, Niu Ruzheng said: "Well, Xiaoyao Mall is about to enter India. This is also a good reason. I will ask the central bank to approve it, but the funds can only be issued to related to the business of Xiaoyao Mall. Company, factory, can you do it?"

"It is guaranteed that there will be no additional loans." Xiao Qi said, "The main business of the Fairy Bank will still be placed on the network finance."

"That's good, it's not that Uncle Niu doesn't want to help you more. It's really not the time for these two years." Niu Ruzheng said, "Wait two more years. It is estimated that at that time, private capital joint-stock banks will also raise It's an issue!"

"I see!" (To be continued.)