Age of Dreams

Xiao Qi didn't know what Niu Ruzheng meant, but he knew that Uncle Niu was definitely not someone who dared not try new things. After a few years, the series of reform measures came from him.

So when he talked about his own ideas, he was not embarrassed at all: "Uncle Niu, I know that private banks in the Mainland are difficult to handle, so I have taken care of the minds of these officials. I went to Hong Kong and bought a bank. When I come back, I want to do some new type of business. This is also beneficial to the country and the people. They denied it to me without thinking. Isn't this a bureaucratic mind?"

"Go, go, do you know what bureaucracy is?" Niu Ruzheng chuckled, "In the financial sector, no matter how cautious it is, it can't be overstated. Our banking system is actually not strong. Once a loophole is exploited by a foreigner, it is very likely to cause a huge collapse, and it will be difficult to end at that time!"

Niu Ruzheng was right.

The financial sector involves the national economy and the people's livelihood and is a very important battlefield in peacetime.

In the 21st century, China’s economic development has overheated several times, and has experienced several depressions. There have been no major fluctuations in the financial sector. It is also because of the conservativeness of the financial sector, a strong and conservative one. The central bank is checking, and naturally, it is impossible for those Xiaoxiao to make trouble.

With the strong strength of Goldman Sachs, Morgan Stanley, JPMorgan Chase, Citi, UBS, HSBC and other investment banks, even the European Union was almost collapsed by them, let alone small countries such as Venezuela, Iraq, and Iran. Being able to look at other people's faces and act is unspeakable.

China has always been a conservative country. Knowing that its strength is no better than that of foreign financial predators, it simply restricts their performance by restricting their entry, so as to achieve the purpose of protecting itself.

Of course. This kind of conservativeness is not a good solution in the long run.

Because no matter which industry needs to make progress, once others are making continuous progress, you keep staying in place. When the gap is getting bigger, I am afraid that you want to go abroad. The desire to compete with them has become more and more difficult to realize.

Xiao Qi began to refute: "Uncle Niu, you said that they don't want my bank to carry out deposit and loan business, that's all. But why can't they let me do business that they haven't started yet? I don't say anything. No supervision! My bank welcomes supervision at any time. We will also report the application before we do each business, and will not execute it until approved. Isn't that OK?

It has been said for many years to let go of the hands and feet of private enterprises. Has the state-owned enterprise's monopoly situation opened up? But this is just a very simple idea and I'm not allowed, so how can private enterprises develop? You have to say that these banks have outstanding capabilities, just like Goldman Sachs, Royal Bank of Scotland, and UBS. That's fine. The question is, what else can they do? "

Listening to Xiao Qi, the more excited he was, but Niu Ruzheng did not have much emotional fluctuations, "You are too extreme. Such a big country, the preservation of so many residents' property. They are right to be cautious. Would you like to be careful? Seeing that they approve this and that, they finally became the same as those foreign banks, they went bankrupt and went bankrupt, cheating countless ordinary people?"

"Come on! Although the Banking Law stipulates that banks can fail, which developed country bank would dare to fail so directly regardless of it?" Xiao Qi immediately retorted: "Even the bankruptcy of the Dutch bank in the previous two years is not the Royal Scottish Bank. Did the bank buy it and assume its debt? The big bank that failed in France that year. Wasn't it the last government to pay the bill? And just now, when a small bank in Japan closed down, the government immediately announced a capital injection. Isn't it just to avoid public panic?"

Niu Ru was smiling, and what Xiao Qi said was really correct. There is no country with a sense of responsibility. It is not only China’s regulatory authorities that would allow banks to fail.

"But your plan is really too bold. It's normal for the central bank to have concerns." Niu Ruzheng said slowly: "The online world has no threshold and it is easy to absorb more funds. This is comparable to the traditional banking industry. Is bigger!"

"Who did you hear?" Xiao Qi said in surprise: "The deposits of the four major commercial banks of China Agricultural Construction Engineering are at least several trillions? Let's do a fund guarantee business for a shopping website. How much can it have? Xiaoyao Mall Last month’s turnover was only 22 billion yuan, but only 164 billion yuan in a year, not even a fraction of them! I am doing such a small business and being treated so harshly, is there any reason?"

"You are there to change the concept." Niu Ruzheng once again exposed his pretense. "You Xiaoyao Mall only had an average monthly turnover of 16 billion in the first few months. After May, it has risen sharply. It's already 22 billion. As cheap online products continue to gain popularity, at least hundreds of billions of sales will be generated every month in the future! When it comes to festivals and other events, it is not impossible for two to three hundred billion a month!"

Xiao Qi was really shocked this time: "Uncle Niu, are you saying that our Xiaoyao Mall sells all over the world? Two to three hundred billion a month, even Taobao's millions of merchants dare not say that! "

During the Double 11 Shopping Festival in 2013, Taobao sold more than 30 billion a day, and the turnover of Tmall and Taobao exceeded 200 billion in one month. It has already set a record. This is still a small and medium-sized Taobao network with a platform. Seller’s credit.

If it is replaced by a platform shopping site, Jingxi can sell 50 billion in a month, which will make the milk tea brother-in-law laugh from ear to ear.

Xiao Qi is confident that Xiaoyao Mall will become a super overlord with a monthly turnover of 200 billion yuan, but this cannot be done overnight. It is not that Xiao Qi is willing to invest money to achieve the goal, and people’s buying habits need to be changed. At least as young people of this generation become moms and dads, there is no hope of achievement.

You know, now the biggest subject of shopping-in the family unit, the women who control finances, but most of them don't know how to go online!

Only after young people grow up to their level can explosive growth be ushered in. This is the important reason why Xiao Qi estimates the online shopping market to be two to three trillion a year.

As for now, it can maintain 20-30 billion a month and reach 50 billion a month in 2012, which is very good.

Even if it reaches the scale of 200 billion yuan per month, the real expansion of Xiao Qi's Fairy Bank is actually focused on financial products like Yu Wobao.

At that time, people were accustomed to online shopping, and naturally they were accustomed to online financial management. The money that their old people had in the bank would definitely be diverted to the financial products of the online bank. This amount of funds was at least more than five trillion yuan. 10 trillion is not impossible! !

This is Xiao Qi's real long-term goal!

But at this juncture, the road still has to be taken step by step.

Seeing Xiao Qi so excited, Niu Ruzheng also smiled.

He himself came from an economic background, and knew Xiao Qi's several industries well, so he naturally knew that what he said just now was a bit exaggerated.

"On the side of the central bank, your third-party custody, their concerns are still normal, but you shouldn't give up continuing public relations!" After saying so many depressing things, Niu Ruzheng did not forget to mention him: "You are not Are you ready to dig MCA? Don’t you have a good relationship with Hong Kong’s wealthy? Hong Kong’s position as a financial center is highly valued by the country. You ask those wealthy people to help out, let MCA organize a delegation to formally contact the regulatory authorities. Make it more powerful, so I can help a little bit and see if I can let you give it a try."

"Uncle Niu, you are really too!" Xiao Qi suddenly smiled, "This is a good idea! Can't let Hong Kong compatriots be disappointed?"

"Disappointment is not disappointed, that's not what I can tell, everything depends on your performance!" Niu Ruzheng smiled, "Fortunately, your current scale is small, with a running account of one to two billion a month, which is good for supervision. Even if any errors are found, it is very convenient to prevent them and will not cause much harm."

"Look at what you said, I'm a legitimate business. I will definitely do better in the future. How could it be harmful?" Xiao Qi quickly said seriously: "We promise to do this thing seriously for the future of the country. Accumulate a little more experience in the supervision of this industry! It can be regarded as a pathfinder!"

Niu Ruzheng smiled without saying a word.

He helped Xiao Qi, of course, because he wanted to help the child and make him develop better~www.readwn.com~ But what is more important is what Xiao Qi said.

The future of online finance is already inevitable. Instead of passively accepting it, it is better to participate slowly from the beginning, so that the central bank and commercial banks can accumulate experience, so that they can get involved in this business in the future and continue to stabilize the country. The financial sector does not allow those who are deliberately unpredictable to take advantage of it.

Xiao Qi is a businessman, and his sense of responsibility for the country is definitely not as good as Niu Ruzheng.

Now that you are in this position, you must think more about it, otherwise it will betray people's trust in the government.

Speaking of it, Niu Ru is really exhausted. He must think clearly about everything and start from the overall situation.

In contrast, Xiao Qi was much more relaxed.

Hearing Niu Ruzheng's promise, even if the central bank's pass has passed, all that remains is the admission of large sums of money and the establishment of the Fairy Bank outlets in China!

Thinking of this pillar of the Fairy Group in the future, it is necessary to take the crucial first step from now on. According to the young man's current vision, he can't help but feel a little excited! (To be continued...)