Set sail1992

Chapter 603
"I know that I can't hide anything from you," Zhang Qihang said with a chuckle: "The year before last, the People's Bank of China promulgated the "Notice on Strict Financial Institution Approval", implementing separate operations for the financial industry, and must 'hold a certificate'. So far, there are about a dozen companies that have obtained the People's Bank's "financial business license", and basically all of them are central enterprises with the prefix Chinese, and none of these dozens of licenses belongs to the automobile industry..."

Good guy!
Hearing what Zhang Qihang said, Zhou Anming didn't know the difficulty of this matter: there are only a dozen companies in the country that are eligible to obtain this "financial license", and all of them are central enterprises with the initials of Chinese characters. Is the work of a prefecture-level city eligible to worry about it?
Zhou Anming unhappily tapped Zhang Qihang twice, and scolded unceremoniously: "Stinky boy, you think highly of your old director. There are a total of more than ten licenses, and the average of each province in the country is less than one. Such a difficult thing, let alone me, do you think Comrade Deqing has such a big face?"

"hey-hey……"

Zhang Qihang scratched his head and giggled twice.

"I know you're holding back, kid, hurry up," Zhou Anming continued to scold, "What's on your mind, kid, hurry up and tell me the truth!"

After knowing that even FAW and SAIC, the big brothers of the domestic auto industry, did not get such an auto finance photo, Zhou Anming knew that he was not qualified to care about this license plate. Since the kid already understands the country's relevant policies on financial licenses so clearly, doesn't he know how difficult it is to obtain this license?
For sure!

Since he knew everything, why would he make such a request?

As an old comrade who has worked for many years, Zhou Anming understood Zhang Qihang's little calculation almost instantly: this kid is messing with me.

First put forward a request that is absolutely impossible for me to meet, and then settle for the next best thing, and put forward a request that will embarrass myself, but I can do it even if I try my best. As for myself, after rejecting this kid once, I will I'm sorry to refuse him a second time, but I agree in all likelihood...

The idea is good, but Zhang Qihang's method is really clumsy, so clumsy that even makes Zhou Anming want to laugh: who do you look down on, kid?

Zhou Anming noticed his little thoughts, Zhang Qihang scratched his head and laughed twice, and said, "I know I can't hide anything from you... That's what I think, since there is no way to set up this auto finance company at this stage , then grab the 'crossing the bridge' first, and have a good talk with the bank, and strive for a relatively large rebate..."

It turned out that this kid was planning such a plan!
Now, before Zhang Qihang finished speaking, Zhou Anming had already understood his thoughts:

If the bank wants to grant a loan to a customer, someone must advance the car owner first. Since there is no way to obtain an auto finance license, Zhang Qihang came up with this idea: anyway, the time from the advance to getting the loan is only a few minutes. In a few days, at worst, our Huateng Group will help you advance funds!
Paid funds, and earned a little "handling fee" by the way.

The second step is to take such a large loan amount from the bank every year, which is actually a great benefit for the bank. In this way, our cooperation method can be like this: increase the interest rate for customers, such as the current five The annual interest rate is 12%, and the bank tells the customer that you must give me 15%, otherwise I will not lend you the loan; in turn, the bank can return the 7% interest rate to Huateng Industrial Group.

In this way, Huateng Industrial Group can earn a lot of money through the handling fee of bridge funds and the rebate of the bank even though it cannot start an auto finance company.

Langya City is the major shareholder of Huateng Group. From an emotional point of view, Zhou Anming is naturally on the side of Huateng Industrial Group, and doing so is also a good thing for the bank, because almost all of these loans are high-quality loans and belong to the bank. Crying and shouting to those who want to lend money, lending money to this project can also reduce the ratio of bad debts in banks.

Thinking of this, Zhou Anming pondered for a while, and did not answer the question right away, but said: "How much money do you think this project can make a year? Besides, have you considered the risks involved? For example, these people who buy cars are all Delivery companies all over the place, if these delivery companies directly cheat and refuse to pay back the money, what are you going to do?"

"I've thought about it," Zhang Qihang nodded earnestly, "so my preliminary thought is that this loan policy is only for those private owners who are affiliated with the business for the time being."

"Huh?" Zhou Anming was stunned when he heard it, and after thinking for a moment, he frowned and asked: "I understand what you mean. Compared with those state-owned transportation companies, private bosses generally dare not renege on their debts, otherwise you can directly If you take the car away, you don't have to worry about the other party playing tricks on you, but a car costs 200 million yuan, so... isn't the risk too big for you?"

"Old leader, I understand what you mean, but state-owned enterprises...they habitually renege on their debts," Zhang Qihang said with a wry smile: "Compared to state-owned enterprises, as long as the IQ of these private bosses is above the average, they can't figure it out clearly." Is it more cost-effective to repay the loan on time and operate honestly, or is it more cost-effective to be driven away by the bank because of malicious overdue?"

"..."

Zhou Anming stopped talking.

Yes, many state-owned enterprises... or the vast majority of state-owned enterprises have the bad habit of reneging on their debts. Even if they have a large amount of money lying on their accounts, they are also habitually reckless: when I borrow money, I will I have been a grandson once, and you come to ask for money, should you be a grandson?
Even the heads of many state-owned enterprises feel sorry for themselves if they don't take this opportunity to block you.

On the other hand, since everyone is a state-owned enterprise, let's put it bluntly, so what if the debt is not returned?Anyway, the money belongs to the country, but if you offend someone because of this, then your reputation in the whole small circle will be rotten: anyway, even if you don't come back, it's still the country's money, what are you fighting for?
But if it is a private person, it is different: dare not repay the loan when it is due?Anyway, at the beginning of the loan, I knew which passenger route you were taking, and if you dared to renege on the loan, the bank would dare to directly block the entrance of the local long-distance passenger station and drive the car away for you!
It's just that the truth is this, everyone's long-standing trust in state-owned enterprises and private... Well, let's not talk about it, it always makes Zhou Anming feel weird: what does this kid mean by these words?Co-author In his view, the credit of state-owned enterprises is not as good as that of private individuals?
(End of this chapter)