Countercurrent 1982

Chapter 2167 Zhang Xiao
Duan Yun did not expect that Zhang Xiao had been paying attention to the development of Tianyin Group over the years, and the many financial cooperation between Industrial and Commercial Bank of China Shenzhen Branch and Tianyin Group in the past few years were also signed and approved by Zhang Xiao. The company's main account of Tianyin Group has always been placed in the Industrial and Commercial Bank of China, so Zhang Xiao naturally attaches special importance to this company.

In Zhang Xiao’s view, Tianyin Group is a representative of Shenzhen’s miracle, and it is also a microcosm of the reform and opening up and the development of private enterprises. Through this enterprise, Zhang Xiao can truly see the rapid development of domestic private enterprises, and it is precisely because of this Over the years, ICBC has cooperated more and more with private enterprises across the country, and it has also become more and more in-depth. Last year, ICBC lent more than 1000 billion yuan to private enterprises across the country. It is one of the four major state-owned banks. Among them, the bank that cooperates with private enterprises the most.

Zhang Xiao's natural affection for Tianyin Group and private enterprises made Zhang Xiao agree immediately when he learned that Duan Yun wanted to meet her, and he was very enthusiastic, which Duan Yun did not expect.

In fact, Duan Yun also knows in his heart that Tianyin Group's tens of billions of liquidity are in ICBC, so ICBC will definitely not neglect him. This is also Duan Yun's first choice to negotiate with ICBC after failing to negotiate with the central bank. reason for negotiation.

"President Zhang pays so much attention to our company, I am very moved." Duan Yun continued with a smile, "I always think that among all the banks in China, Industrial and Commercial Bank of China is the most courageous and innovative. It is also the most reliable financial partner, and Tianyin Group will continue to establish an in-depth cooperative relationship with your bank in the future, and this relationship will be unbreakable."

Seeing that Zhang Xiao had such a high opinion of himself, Duan Yun naturally did not hesitate to praise ICBC. In fact, as he said, Commercial Bank has always been Duan Yun's largest financial partner in China.

"Manager Duan, I believe that you have nothing to go to the Three Treasures Hall this time. You should have something important to discuss with me." Zhang Xiao said with a smile.

"Hehe, that's true." Duan Yun also smiled, then unzipped his briefcase, took out a file bag from it, and handed it to Zhang Xiao's desk with both hands.

"This is……"

"This is President Zhang. Starting this year, our company has a very important commercial project." Duan Yun glanced at Zhang Xiao, and then said: "This project will be conservative within two years, and it will bring at least The profit of tens of millions of yuan can also bring more depositors to the participating banks..."

Having learned the lesson from the failure of the last negotiation, Duan Yun started talking directly from the project benefits, and the figures he said were obviously much higher than what Duan Yun estimated before.

Sometimes you can’t be honest when doing business, but you can’t be too fake, because it’s easy for people to see loopholes, so Duan Yun is also true when negotiating. Other good benefits, in order to be able to attract the consent of the Industrial and Commercial Bank of China.

"Ah." Hearing what Duan Yun said, Zhang Xiao really showed a look of interest, so he asked: "Then can you tell me about the specific implementation plan of this commercial project?"

"The e-commerce network we are planning to create this time is a disruptive innovation in the domestic business world. It allows people to buy what they want without leaving home. For this reason, Tianyin Group A lot of manpower, material resources and funds have been invested, and large-scale construction work has been carried out in several key cities across the country..." Duan Yun paused, and then said: "The e-commerce network is to buy goods from the Internet and then pay for it. For purchase, the platform provides logistics and guarantee services, and through a strong logistics system, the goods purchased online by consumers can be directly delivered to the door..."

"It doesn't sound like a simple commercial project..." Hearing this, Zhang Xiaohu understood some principles, and a look of surprise and doubt flashed across his face.

Even a strong woman like Zhang Xiao, who is well-informed in the financial world, felt a little unbelievable after hearing Duan Yun's e-commerce plan, because as Duan Yun said, e-commerce is a subversive business idea , the difficulty of implementation sounds exaggerated. After all, China's current transportation hardware facilities are far from being as developed as later generations. As of the end of last year, the total mileage of China's expressways was only [-] kilometers. Railways, but the railways are mainly for state-owned enterprises. There are private companies who want to transport goods by railway. In addition to the high price, they also need to wait for a long time. The service, cost and cycle are too long, which obviously greatly reduces the feasibility of the project.

"President Zhang, we are solving the technical problems of this project. Since the middle of last year, we have invested 6 million yuan in the construction of product logistics, including major fleets and cargo storage transfer stations. At that time, I mobilized the strength of our chamber of commerce and established corresponding logistics outlets in more than 200 cities across the country. It is expected that by the end of this year, more than 20% of the country's cities and towns will be able to transport goods. In the next two years, we will continue to More than [-] billion yuan will be invested to continue to improve this logistics network, so in terms of hardware and technology, it can fully meet all the hard requirements of this commercial project." Duan Yun said.

"Then what kind of help do you need from ICBC?" Zhang Xiao asked.

"In fact, what the bank needs to do is very simple, that is, to provide a guarantee for online timely payment for our e-commerce project, that is to say, consumers can directly purchase things online after opening an account with ICBC and depositing funds. And pay, after the consumer confirms the receipt of the goods, your bank will transfer the payment paid by the consumer to our company account, and you can collect some handling fees from it. It is conservatively estimated that our annual online sales will exceed 30% in the next two years. ~40 billion RMB, you need to charge 1% of the fee, that is 3000-4000 million RMB per year." Duan Yun looked directly at Zhang Xiao, and then said: "I think this is definitely a good deal for your bank. It is a lucrative business, and in the long run, the revenue of this business will become bigger and bigger, and it is even likely to surpass the traditional banking business and become a new profit growth point!"

(End of this chapter)