Chapter 490: Loan Problems

Qi Yongyi's face was pale!

Today's business of Nanhui Electric is obviously not as expected, but it is overcrowded on the side of Xinda Electric, and the business is obviously in contrast.

This made Qi Yongyi a little puzzled, he Nanhui Electric has been rooted in Mingzhu for several years, how can he have a certain reputation and reputation in Mingzhu, and the publicity is also superior, but the store is a little different, how can this happen.

The store manager said, "A lot of them are from our customers. ”

Qi Yongyi had a bad temper, but he restrained himself in this situation, "Why?"

The store manager said helplessly, "The preferential margin of Xinda Electric is much larger than ours, I calculated, about 20 percent." ”

Qi Yongyi stretched out his hand, "Bring me the event leaflet over there for me to see." ”

With a single start of publicity, Qi Yongyi's face changed, and they couldn't afford to play Nanhui Electric at all with this kind of promotion. As for the three stores of Xinda Electric, I am afraid that they will lose millions a day according to this strength.

After five days in a row, tens of millions of dollars will be gone, and the profits of the electrical plaza will not be able to earn back without a billion sales.

In the whole of last year, Nanhui Electric's sales were only about 100 million. The loss of Nanhui Electric's annual profit in five days is a naked injury.

Qi Yongyi said directly, "Call and ask those manufacturers if they have given Xinda Electric a more favorable price." ”

He still didn't believe that Xinda Electric would have such courage.

Qi Yongyi's phone naturally couldn't ask anything, these manufacturers just gave Xinda Electric a lower price, who would admit it?

Why, I still want to show that I just look down on your Nanhui attitude?

On the day of the opening, Ding Yi met Liu Xixing, Guo Fuxing, Shi Juju and other pearl tycoons.

Because it was too busy when it opened, everyone chatted with Ding Yi and made an appointment to meet by the way.

The opening of Xinda Electric is actually just an opportunity, and everyone wants to know him. In the past six months, Ding Yi has been really popular in the rich circle.

First, the blog was sold, followed by a series of operations by the People's Bank, followed by the acquisition of Guzhong, the establishment of a high-tech industrial park along the Yangtze River, and the support fund.

Anything that is enough to cause a sensation in the whole country, under Ding Yi's intensive operation, it is like a fatigue bombardment, and it is impossible for people not to be curious about him.

On May 1, the three stores of Mingzhu had a total sales volume of 76.7 million.

The five-corner field of the champion store, 31 million, directly broke the single-day record of a single store of Xinda Electric.

From May 1st to 5th, the total sales volume of the three Pearl stores was close to 300 million.

This number also indicates that Cinda Electric has hit the pearl with great success.

Compared with the same period, Nanhui Electric is much inferior.

Hu Wei looked at these data, was very satisfied, and said to Ding Yi, "Just look at this trend, it is no problem for Mingzhu to sell 1500 million yuan a year in one city!"

Don't look at the sales of nearly 300 million in the five days of opening, that is also the promotional activities are too powerful, coupled with intensive publicity, one percent can usually maintain the operation of the store, and there is a tenth, that is, the profit is huge.

When Ding Yi heard this, he said with a smile, "So, this year will almost be able to catch up with the sales of Nanhui Electric in Mingzhu?"

Last year, the annual sales volume of Nanhui Electric was roughly about one billion.

This year, because of the new opening of stores, coupled with the natural growth of the market, 16 to 2 billion is Ding Yi's estimate.

In this regard, Hu Wei looked proud, "That's natural, last year they only had a total of eight stores, and now there are only a dozen stores, and the total area will not be much larger than ours." However, our flagship store has more advantages in terms of scale and attractiveness, and it is impossible to surpass them this year. ”

Hu Wei said with a smile, "It's hard to say the sales, but the profits obtained in Mingzhu must be high." ”

Ding nodded at Hu Wei's statement, and the major electrical appliance manufacturers now understand that only in the pearl, Nanhui Electric may not be able to hold it, not to mention that the foundation of Xinda Electric is along the river, so the entry cost of Xinda Electric is definitely lower than that of Nanhui, coupled with the small number of Xinda stores, the scale is large, the management cost will be reduced, and the profit margin is definitely not at the same level.

……

The performance of Xinda Electric Appliances has alarmed many people in Mingzhu, before Xinda Electric was along the river, far away from Mingzhu, and it was inconspicuous.

But when he really came to the side and burst out with such energy, people could see that Xinda Electric should not be underestimated.

The business of the three stores in Mingzhu is so good, think about their more than 20 stores along the Yangtze River and Jiangnan, and the sales volume is not 6 billion yuan a year, which is not much, right?

Of course, the profit margins of the weather vane are much higher.

In ninety-nine years, private enterprises with annual sales of one billion yuan are regarded as cattle X pull, like the weather vane, the kind of cash cow with an annual profit of more than one billion, absolutely unique.

Cinda Electric has sales of 6 billion, and profits can be 2 or 300 million.

Lu Fanhai said with a smile, "If you don't move the basic account of simple holding to our bank, the fertilizer will not flow into the fields of outsiders!"

Yesterday, Lu Fanhai had business to come to Mingzhu, and since Ding Yi was also in Mingzhu, he naturally made an appointment today.

Ding Yi pursed his lips and said disdainfully, "We have a good relationship with ICBC, and we have given us more than 6 billion loans and credit lines before and after. Is it possible for the People's Bank?"

Lu Fanhai, "......"

The total assets of the People's Bank are only tens of billions, and the simple holding company is more than 6 billion......

Give it to you!

No matter how good the qualifications are and how sufficient the collateral is, how can the bank be broken if it has no money?

Since it comes to the People's Bank, Ding Yi said, "The People's Bank also needs to sort out the problem of loans, and now the related loans are already risky, and we don't have the state to support us, so we should pay attention to it." ”

Ding Yi said this because the asset management company established this year had a non-performing loan ratio of nearly 50 percent when it checked its accounts.

Scared to death!

Other state-owned banks are not much better, and of course, this non-performing loan is mainly due to overdue and sluggish problems, rather than losses. However, it is also vigilant enough, and if you don't deal with it, ICBC will explode.

What can Lu Fanhai say about this? He can only say that state-owned banks are awesome.

When Ding Yi heard this, he shook his head and said, "There is no way for these state-owned banks, most of their problem accounts are state-owned enterprises." However, it is also very simple to deal with, inject funds, strip off non-performing assets, and reduce the burden on the bank first. ”

The state fills the holes dug by state-owned enterprises......

As for how the injected funds came from, well, this matter is not much about a little fart like Ding Yi.

After talking for a while, Lu Fanhai pondered for a while and asked, "By the way, I heard that Liu Xixing looked for you before?"

Hearing this, Ding glanced at Lu Fanhai and nodded.