Chapter 1958: Explore

"The biggest shortcoming of today's five state-owned commercial banks is that they have too little courage to lend to these private companies." Yin Jun said, "They always feel that the small factories of 300,000, 500,000, and 1 million are too weak, and once they close , It is easy not to receive funds back. But in fact, people who really want to do a career do n’t have so many bad thoughts at all.
Now that our country is reforming and liberalizing, some people are willing to take new paths. For these private companies, we should actively support them and make them a supplement to the main economy! How do you support it? In addition to taxation and preferential conditions, is the provision of various funds not the best support? "
Zhu Pingfan Wenyan nodded, "East Guangdong has always had a tradition of doing business, and its conduct has been good from ancient times to the present. Although this loan needs to be cautious, Mr. Yin also said very well. If we do not have large-scale support, Where do they dare to develop their own business? As a supplement to the public economy, we need to support it! "
The teenager smiled.
What "replenishment of the public economy" is still being promoted, but after ten years will know that these private enterprises will force countless state-owned factories to die.
Thirty years later, with the exception of a limited number of industries, all economic entities are already dominated by private joint-stock companies.
It's just that everyone still hasn't noticed the kind of enthusiasm that burst out, and I don't know how much miracle this vitality can create.
"However, this kind of small factory and small enterprise loan still needs to have a high bad debt rate preparation!" Rui Chengzhi next to it could not help but reminded, "Our current funds are not very generous, if let go They come to apply, how much is enough? "
"It's a problem." Zhu Pingfan slightly jawed, "For specific aspects, we can find a special person to see ... By the way, Mr. Yin, do you have any suggestions?"
"Mr. Zhu, you are right, professional things are best done by professional people." Yin Jun smiled, "I don't understand banking matters, but if it is a commercial bank issue, Xiang Jiang There are many Chinese banks here, maybe you can ask them for advice. For example, Mr. Chen of Pangu Bank is one of the best candidates. "
"Well, I know." Zhu Pingfan nodded and smiled.
He appreciates Yin Jun's attitude.
To understand is to understand, not to understand the aspect, will not go beyond the speech.
As for Mr. Chen, the Pangu Bank proposed by Yin Jun, who happened to be a good friend of Zhu Pingfan. The two have been in good contact for so many years.
So Zhu Pingfan knows deeply how powerful and experienced Chen Bicheng is.
"As for the bad debt rate, I don't feel worried." Yin Jun then added, "As long as the auditors are sufficiently professional and have a strict supervision system, the bad debt rate will not be high ... The most feared thing is to guard against self-stealing and extreme failure. profession."
The young man did not lie.
In the future, all major commercial banks, including China Merchants Bank, have a bad debt rate of not less than 20%, and the highest one can almost scare people to death.
However, there are only two small local banks-Jiangnan Tailong Commercial Bank and Jiangnan Taizhou Bank-before the opening of the network license. They are aimed at SME loans, and most of them do not have any mortgages. Products, but the bad debt rate is only 5%!
Ordinary China Agricultural and Industrial Construction Bank, without collateral, you don't want to lend a penny.
But these two banks, who do not need collateral, but can create such a good profit and ultra-low bad debt rate, it has nothing to do with the scale, strength and background.
The factor that directly points to the core is obviously the difference between the two sides in loan approval.
Yin Jun doesn't know exactly what they did, but this successful experience can certainly be copied.
Not to mention that people nowadays are much simpler than people who come 30 years later.
As long as the people who do business in eastern Guangdong are doing business near their hometowns, there are absolutely a few people who really want to squander them-they have a strong sense of the local people, and it is absolutely impossible to be at home. His father lost this face in front of him.
In fact, it is not just east of Guangdong. Chinese people have a strong sense of family and hometown since ancient times.
Except for a very small number of people, no matter how brutal and shameless people are, they can't wipe their faces in front of their relatives and friends who grew up.
The only difference is that people in other places are not good at doing business, and many people will lose money in doing business. There is no way to repay the money, so they can only rely on debt to escape.
The people in East Guangdong and Jiangnan were good at doing business thousands of years ago, so as long as they have the ability to do business, most of them will be able to make money.
If they can make money, what else are they worried about repaying the loan?
So this has formed a virtuous circle and formed a region's overall industrial chain.
Therefore, in the face of small and medium-sized commercial banks, Yin Jun can propose to do it in the east of Guangdong and the south of the river, but it is absolutely impossible to do it now in Qianzhou and Dunhuang.
Of course, what Yin Jun said now, the two big brothers couldn't believe it.
They didn't know that Yin Jun was talking about the successful experience, they just thought it was Xiangjiang's successful experience.
It is completely impossible for Xiangjiang and the mainland to be the same, so the successful experience of Xiangjiang can only be used for reference, and it is absolutely impossible to duplicate it.
"We will actively deal with the affairs of the bank and provide them with more capital protection." Zhu Pingfan said lightly. "In addition, I don't know what Mr. Yin thinks about the number of employees."
Number of employees?
Yin Jun suddenly understood.
This is the famous "seven ups and downs".
According to German Ma's theory, it is okay to hire seven people to do things, but exceeding this number will cause great uneasiness and move closer to the Western world.
But facts have proved that if China is forced to do anything, the economy of China will soon be over.
The so-called number of hired workers cannot exceed 7, which is simply not in line with the actual needs of social development.
In the future, the factories in China employed tens of thousands of people, and there were no major problems.
On the contrary, because of the centralized use of personnel, our products are of better quality, lower cost, and more convenient flow of various materials, thus making Huaguo a best-selling world.
However, Yin Jun will never participate in this matter.
Because in this era, this issue is not funny at all, but it is the main focus of the debate.
Specifically, it will take three to five years before the limit is quietly lifted, and it will be true that the hands and feet will be completely released after 92 years.
Although East Guangdong is the most radical, with dozens of factories secretly in the past few years, they have never made public announcements and discussions, but only do things quietly.
I knew this above.
But whether it is Yun Lao Xiao Lao, or those stubborn old people, regard this as a test field, and see how they respond, and what consequences will be caused.
However, one thing is that they must not relax the restrictions on employment on a large scale. It is impossible to open hundreds or thousands of factories everywhere.
This is where Zhu Pingfan is very distressed.
By relying solely on public-owned enterprise factories, East Guangdong has never been able to compare with the three provinces in Northeast China—there are tens of thousands or more than 100,000 factories there. 80% of the heavy industry in China is located there. Not on.
The development of light industry factories is also inferior to that of the Shanghai Sea in the Yangtze River Delta.
Since more than 100 years, Shanghai Hai has been the darling of the whole country. Most of China's light industrial factories are in Shanghai Hai and its surrounding three provinces. Eastern Guangdong has no advantage over them.
Only by developing such a small and fast-moving private factory can East Guangdong be able to bloom everywhere, and can it develop rapidly like Xiangjiang and Baodao, surpassing all provinces in the country.
It's no wonder that Zhu Pingfan is anxious when comparing the scale of such a factory with dozens of people and dozens of people.
"I am from Xiangjiang. This kind of thing is not suitable for me to make a speech. Specifically, I have to unify my thoughts above, so that Yuedong can lift the shackles." Yin Jun understands Zhu Pingfan's meaning, but he also refused.
Zhu Pingfan heard only a bitter smile.
Yin Jun is a wise man and has a very detached position.
Originally, Zhu Pingfan wanted Yin Jun to talk to the above ~ EbookFREE.me ~ As his world's richest man and the future commander of the Chinese, maybe the above could open up some restraints for East Guangdong.
Unexpectedly, Yin Jun opened his mouth and refused, indicating that he did not want to blend in.
Zhu Pingfan understands this way.
After all, Yin Jun is just a businessman, not a person who wants to develop in politics.
He has no reason to talk to Beijing on such sensitive issues.
Because he is a Xiangjiang businessman himself, no matter how many people he hires in the mainland, he will be allowed, and he wants him to hire as much as possible.
So the seven ups and downs had no effect on him.
Zhu Pingfan sighed, but Rui Chengzhi interjected: "Mr. Yin, what do you think we are lacking in East Guangdong, so many of Xiangjiang's companies have not come to open factories?" Regardless of preferential conditions, geographic location, labor costs, etc., our advantages are great! "
"Who said there is something missing?" Yin Jun said, "Aren't we all here? The target of the instant noodle factory is the people of Southeast Asia, not to mention 10,000 workers, and there will definitely not be too many in the future.
"We have 50 million people in eastern Guangdong!" Zhu Pingfan said. "In addition to the continuous flow of migrant workers, there must be at least 500 such factories in order to be barely enough."
What he said was true.
In the next 30 years, more than 30 million mainlanders come to work in eastern Guangdong each year, bringing a large amount of labor to eastern Guangdong and also contributing enormous power to the economic take-off of eastern Guangdong.
Therefore, the total number of workers actually exceeds 50 million. Of the 30,000 to 50,000 factories, 500 can only be said to barely reach the standard.
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