Chapter 404: Corporate Loan Business (Happy New Year's Day!)
Wei Hao looked at the line of words a little excitedly.
That's right.
The meaning of the text is indeed that you can borrow Asian dollars to buy these industrial equipment, and thinking of this, Wei Hao finally feels that the Bank of Myanmar has begun to play a truly powerful role as a bank, that is, to provide financing channels.
It has been less than a week since the establishment of the Bank of Myanmar.
It's only halfway through, and it's two days away.
The overall business is only deposit, withdrawal, credit card, transfer, currency exchange these five businesses, quite simple and rough, other financial services have not begun to develop, time deposits have not yet begun to implement, and foreign loans naturally have no shadow.
Now, the economy in the territory began to gradually become active, businessmen demand more and more strong demand for funds, in the absence of formal financing channels, and even formed a private lending market, the interest rate is not high, the monthly interest rate is about 1.5 percent, the annual interest rate is only 18 percent, quite low, it can be said that the cabbage loan price, but not that they do not want to increase the interest, but because no matter how high, the security team will come to arrest people.
This is also the reasonable private lending interest rate that Tang Qing wanted to maintain before, he did not open a bank before, so he could only stabilize private lending, he didn't dare to think of a monthly interest rate of one percent, and others didn't have a system, so they didn't care how much they earned like him, so it was set at the upper limit of 1.5 percent.
If you are high, you will arrest people.
As for the bank's personal loan business, it will have to wait for a while, first, the bank still needs time to establish a credit file, and secondly, there are not many large items that are spent in the territory, there are no commercial houses, no cars, even mobile phones have no signal, and every house has not yet been electrified.
'Business' is a bit small.
It will take at least a month or more for 'luxury' to appear.
Business loans.
It is the main purpose of this investment conference.
It is to complete the loan task of 10 billion Asian dollars.
In fact, the various enterprises under the Bank of Myanmar can complete this task, after all, they are all heavy industry and high-tech equipment, which are worth a lot of money, but now the factories have not been built, so they can't all be bought at once and put aside to wait.
Another way is to take out the loan and deposit it in the bank without spending, but this method has been rejected by the system, and any loan that is not urgently needed by the enterprise and is for the purpose of operating will not be included in the valid loan.
So Tang Qing had to find a way from elsewhere.
That is to expand the economic scale of the territory, carry out the layout of the whole industry, and let everyone take loans, so that this task can be completed quickly, and not only that, but it can also create more jobs, which is conducive to the completion of another task of absorbing deposits.
Loans, which can be individuals or businesses, are counted as loans.
However, deposits are different, they must be residents' savings deposits to be counted, and corporate funds are not counted due to their large liquidity.
That's a bit of a pitfall.
Curious about how the Wonderful is counted.
In addition to complaining, Tang Qing had no choice but to slowly develop the economy, earn more foreign exchange, increase per capita income, and expand the scale of the economy.
He all has the feeling of playing a construction game.
I really don't understand how a bank owner is so complicated.
"Leader Zero, can we take out a loan to buy these equipment?" Wei Hao quickly stood up and asked after seeing it.
Zero said slowly: "Yes, you can take out a loan to buy these equipment, no interest for three years, and then six percent per year according to simple interest, up to ten years, if you choose a loan, these equipment will become the shares of your registered company, first held by the Bank of Myanmar and supervised, you must provide financial data every month, and when you earn enough money, you can redeem according to the loan owed, and before the loan is paid off, the banking industry enjoys share dividends." ”
The simple interest of 6% is 1 million equipment, three years later, 60,000 yuan more per year, the same every year, it is a more strange way, the reason why Tang Qing did not choose compound interest, is because when these equipment were sold to them, they had already charged a lot of 'transfer fees', such as equipment with a market price of 10 million, the price in the mall was only a little more than 3 million, but the price sold to these merchants was more than 6 million.
Directly doubled.
Everybody makes money.
Even some devices with higher technology content have more price difference and more money.
Therefore, the interest or something, the symbolic collection point is that because of this, there will be the first three years without interest.
Wei Hao had no more doubts.
Others were also pleasantly surprised, thinking that this time they would have to borrow money to dry their families, but they didn't expect the Bank of Myanmar to directly solve their own problems, as for those conditions, they quite agreed, but they didn't know if the price of equipment was fair, but when the territory was developing rapidly, there was also a license to restrict competition, and it was not too unacceptable to be expensive.
The merchants' eyes glowed green.
Zero continued: "Okay, now you can start voting, in order to improve efficiency, each of you, each round can choose three industries, if you are the only one, automatically get the business license, if there are two candidates, if it is a strong region, such as a brick factory, transportation is inconvenient, a town will have a brick factory, at that time you can have multiple choices, but if the upper limit is exceeded, you will have to draw lots, after the first round is completed, the remaining projects will be counted and disclosed, and you will continue to vote." ”
Hear the words.
The businessmen below began to pick up a pen and paper and struggled to choose the industry they wanted to do. Hundreds of choose three, the probability is low, one by one pondered and meditated, some want ten, but there is no way, only three can be chosen, and in the end you can only choose two.
Ten minutes later.
They handed over the note in their hands with a tangled face, and the opportunity cost of this vote was so great that it made them feel distressed.
Collect the tickets, and the fighters count the votes.
Announce the results.
Some people are happy, some are sad, and some people are almost crying.
Round 1.
Wei Hao and others drew lots, won, and obtained the qualification of the plastic factory.
The other two voting items were lost.
Second round.
Wei Hao grabbed lots and obtained a license for a brick factory, but it was not these two towns under construction, but the one on the territory of Caisu, and he danced happily.
Then.
Round 3.
It wasn't until the fourth round that the businessmen of the 'private enterprises' in the whole hall chose their industries, and the 'state-owned enterprises' remained silent.
"Okay, your choice has been counted, tomorrow with your identity certificate and bank card to the Industrial and Commercial Bureau to register the company, lease contact space, recruit personnel, buy land to build the factory, etc., as for the design and equipment installation of the factory, there will be people to discuss with you, now I want to announce one more thing, in the future, the Bank of Myanmar will open the business of corporate loans, you can rely on your corporate credit to borrow from the Bank of Myanmar for ordinary business activities. Zero said slowly.
In the early stage, these bosses are likely to be short of money, selling land, renting houses, and recruiting people all need money, it is estimated that the loan tasks will be completed a lot in the past few days, Tang Qing even wants to let the territory implement the system of paying wages first, so that you can lend out more, but think about it is a little troublesome, as soon as you enter the company, you will immediately pay a month's salary, think about how there is such a good thing in the world, so I still did not pass this 'brain pumping' plan.
Then.
Zero also announced various policies to encourage industry and commerce in the territory.
Listening below is getting more and more excited.
Exemption from sales tax for three years.
Export tax rebates.
Land concessions.
Operating loans.
Industrial support policies.
It's all right.
Even the last zero also announced a major news, that is, in the future, the territory will be launched in a month later, pension, medical care, work-related injury, maternity four insurance systems, all employees must pay compulsorily.
There is no unemployment insurance and provident fund in it, because as long as there is strength in the territory, there will be no shortage of work, and there is no shadow of commercial housing, and even a welfare housing system will be implemented in the short term, so it is not added.
The bosses didn't say anything when they heard it, the 'master' of this land spoke, and it sounded, how dare you say more than half a word, and besides, it doesn't add up much, and you can't lose.
This is an internal meeting of the territory, they are all native-born businessmen in the territory, and next time they will invite outsiders who are optimistic about the economy here, not afraid of no, because the lower limit of mobile phones will start to supply at that time, so 'high-precision' industrial strength, I believe that many people's eyes will focus on this.
At that time, Tang Qing will come up with more investment projects, and if the conditions are right, he can use technology and equipment to exchange the market, and at that time, it will be the time when the entire territory will start to get on the right track.
It was also when the Bank of Myanmar began to make headwork.
After the meeting.
The merchants went back happily.
Preparing to open a company information and preparing to start a new life, why do you have confidence in these projects, is because the license system, which is equivalent to local protection, coupled with zero perfect industrial planning, will definitely not make the enterprise unable to make money.
As for where those devices come from, that's not something they should be thinking about.
Meanwhile.
Wangza, for his part, also knew about the commercial policies and structures within the territory.
I was puzzled.
Zero didn't ask him to buy these equipment, how did he open this factory? Could it be the equipment provided by the Burmese side? But there is no news at all.
Never mind.
Wait.
In fact, Wangsa didn't want to take over this business, because the equipment involved too wide, and it was too troublesome to get it.
Wangsa also prayed that Zero would not look for him.
But what he didn't expect was that Zero would not go to him at all, and what Wangsa could sell was basically equipment with no technical content, and some were still obsolete things, how could they compare to the latest industrial equipment in the mall.
Who wants those rags in Wangza.
PS: Chapter 3, that's all for today, tired!!