After coming to the island country for a month and a half, Xia Yu successively won the Nomura Securities Company, the Small Silk Industry Company and the Ocean Fishery Company.

Among them, Nomura Securities Company is one of the top ten securities companies, and its strength and influence are stronger than those of the six major consortia.

Mitsui Securities, Fuji Securities, and other companies are currently inferior to Nomura Securities.

In addition, Xia Yu's own Jiuding Securities Company, as well as other financial companies opened securities companies in the island country.

In fact, in the securities industry, he is already very powerful, and he can completely avoid the six major consortia of island countries.

It's just that the six major consortia of island countries didn't notice it.

Koito Industrial Co., Ltd., although it is not as strong as Hitachi of the Fuji Foundation, Matsushita Electric of the Sumitomo Foundation, and Toshiba of the Mitsui Foundation, it is also a large industrial company, and it has a large market share in many fields, which is definitely enough to be a core industrial company.

Not to mention the Ocean Fishing Company, the largest fishing company in the island nation.

On the premise of not mentioning market value and profits, in terms of revenue alone, it can enter the top 30 of the island countries and be a large industrial company.

Considering the proportion of the island's fishery in the island's economy and the island's people's demand for fishery, although the Ocean Fishery Company will be more difficult in recent years, its influence alone is enough to meet Xia Yu's needs.

As long as it survives the past few years, after the international oil price falls, the life of the Ocean Fishery Company will naturally be better.

Xia Yu is familiar with the future trend of oil prices and is not panicked at all.

With this financial company and two industrial companies, it can be regarded as a slight foothold in the island country.

But if you want to compete with the six major consortia of island countries, it is far from enough.

After planning the Sanhe Consortium needs to combine the right time, place and people, it is now just a layout.

Although he consciously grasped it very much, for the sake of safety, Xia Yu did not want to put his eggs in one basket.

Moreover, his future enemies will definitely not be just one consortium of the island country, but may be multiple consortiums, so if he finally succeeds in annexing the worst Sanhe consortium in time, he may not be able to resist the suppression of the other five consortiums and the suppression of the political circles of the island country.

In particular, the Fuji Foundation and the Mitsubishi Foundation, which support the most right-wing companies, are both extremely strong, and the Mitsubishi Foundation is the strongest consortium in the island country, and there is also the support of the military of the island country behind it.

Therefore, it is imperative and achievable to establish a business empire completely under his control in advance.

At present, the six major consortia of PICs control 60 percent of the company's assets, 55 percent of the total capital, 60 percent of the consumption channels, and 20 percent of the employed people.

On average, each of the six major consortia controls 10 percent of the island's own production and less than 9 percent of the total capital.

If companies and families other than the six major consortia of the island nation can unite now, it will certainly be enough to establish two or three more consortia comparable to the six major consortia, and there will always be room for operation.

The only difference is that the six major consortia of the island nation will not be willing to see new consortia emerge, and even if other families and companies join forces, they will not be able to work together and resist the repression with all their might.

But what they can't do, Xia Yu can do, his will alone is the will of the consortium, if he can establish a foundation in the island country, it is definitely the most united consortium, even the Sumitomo consortium, which is known as the most united, is far inferior to Xia Yu.

The goal is good, but the key is to have a strong company that can handle it, so as to be able to resist the attack of other consortia.

And he also has to absorb the capital of the island nation as soon as possible, so that he has enough funds to take the initiative to attack.

The most fundamental source of funds is also from the people of the whole island country, so the bank is the most critical, absorbing the deposits of depositors and fully operating to create sufficient returns.

Banks absorb deposits as a formal channel, but because of the low interest rate of bank deposits, it is relatively difficult to absorb deposits and the competitive pressure is high.

And another crooked path allowed by the government of the island country, Xia Yu does not intend to miss it.

After all, the island country is not Xiangjiang, Xia Yu can act without scruples, anyway, the people of the island country are not his compatriots, and the island people themselves are so ruthless, of course he will not care.

The evil way he fancied was the consumer credit industry!

The island nation's consumer credit industry began to rise in the sixties.

The reason for the rise is that banks only lend to large and medium-sized enterprises, and generally do not pay enough attention to micro enterprises and personal consumption credit business.

At the same time, although the PICs promulgated the Capital Contribution Law and the Interest Rate Restriction Law in 1954, they were rendered useless due to ineffective enforcement.

The regulatory vacuum, coupled with the lack of formal consumer credit channels, has provided an opportunity for private lending to flourish in the island nation, with various small consumer credit companies and their offices dotting the streets.

The initial prototype was the "monthly installment service for department stores", and the main promoters were retail companies and department stores, so these later consumer credit companies also expanded in this model.

The reason why the consumer credit industry in island countries has developed rapidly and attracted people from all walks of life is because residents of island countries pay attention to credit, because no matter how poor the borrower is, he will want to repay the money.

......

April 2nd.

Xia Yu did not go to the company, but stayed at home and checked the situation of the consumer credit industry in the island country.

Hundreds of pages of information have been collated, and this is only condensed, which shows the complexity of the consumer credit industry in island countries.

As he continued to learn about it, he unveiled the mystery of the current situation of the consumer credit industry in the island country.

To sum up, it is a pattern of competing for the deer, and there is no giant with absolute dominance for the time being.

There are thousands of large and small consumer credit companies, all over the island country, these consumer credit companies are essentially loan shark companies, the strong across many regions, the weak only survive in the most basic towns and villages.

All six major consortia in the island nation have entered, and in addition to the constituent families of these consortia, they have also set up separate consumer credit companies to participate in the competition.

It's no wonder that so many people are flocking to this market, mainly because the profits are too high.

The interest rate on financing can be as low as a few percent, but the interest rate on lending can be as high as 20 percent to 30 percent!

It's not usury, what is it?

But there is no way, although at this time, the loan interest rate of the bank in the island country is about 7 percent, but it is difficult for small and medium-sized enterprises and individuals to borrow.

They have no choice but to borrow from consumer credit companies!

Having said that, among these consumer credit companies, Aiful, Promise, Acom, etc., which are backed by the six major consortia of the island country, are already first-class companies in the industry.

Of course, in addition to the consumer credit companies backed by the six major consortia of the island countries, there are also consumer credit companies backed by some small and medium-sized families and associations, and there are also many companies established by self-made people.

One of the most prominent of these is Takei Yasuo, which was founded in 1966 and renamed in 1974, and is nicknamed "Yen Shops", which means shops where you can buy and sell yen.

Takei Yasuo?

The richest man in the island nation in later generations?

PS: The second shift will be later

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