2075 New Banking Business
"We're in the banking business, so we have to be cautious and bold. Pen, fun, and pavilion www.biquge.info," Meng Fei said. He is the Executive Director of a Qin Guo Bank. This time, he was sent on a business trip to Xinzheng, South Korea. to solve the matter of setting up a bank in the country of Qi. At the same time, let him consider the possibility of setting up a bank in the Wei State, because the above directors have always believed that the situation in the Wei State is too chaotic. On the contrary, the state of Qi is stable.
"Hmm. We also need skilled banks like you to carry out economic activities, and we have more opportunities in Qi. Lou Jing said.
"Hmm. We naturally understand this, and this is the main purpose for which I was sent from above. Meng Fei said.
"We need a lot of banks, a lot of money, and on the one hand, there are a lot of railway projects that need to be built. On the other hand, our agriculture needs to be restored. Lou Jing introduced.
"This." Meng Fei shook his head.
"What's wrong?" At this time, Lou Jing asked.
"I want to know, how do you get a mortgage, you know, only if you mortgage our property, real estate, or other things, can we get sufficient funds, otherwise, our bank will not be able to lend you a lot of money." Meng Fei said.
"This." At this time, Lou Jing was in a dilemma. Because he knows the situation of Qi State, in order to make Qi State recover as soon as possible, Qi State has divided a large amount of land, and wants to take a large-scale land for mortgage, which is obviously very inappropriate.
"What's wrong?" Meng Fei asked.
"Land, impossible, the land of Qi is all separated, a small piece, a small piece, there is no large-scale land concentration at all. Mortgage is hard. Lou Jing said.
"That's right." At this time, Meng Fei was in a dilemma. He thought that the problem of Qi was very simple, as long as a large amount of land was mortgaged, and then the price of the land was lowered, in this way, the bank could make a lot of money. But what he didn't expect was that the actual situation of Qi was that the land was divided into small pieces, in this case. Mortgage funding is very dispersed.
"This. It is very detrimental to the development of the project and the concentration of funds, which is very difficult for us. Meng Fei said worriedly. That's a problem, he thinks. This conundrum made it difficult for him to make a move.
"Well, we can find a way to solve this problem." Lou Jing continued.
"This, I see, is okay." Meng Fei planned to leave here, but he felt that it would be really difficult to convince himself if he went back like this, after all, he had just come, and he was going back, so he was so sorry for himself.
"In addition to the land, our Qi country also has some minerals, and these minerals are also okay, such as gold mines." Lou Jing continued.
"Gold mines. I'm afraid this is not much mortgage. When Meng Fei heard this, he said this.
"You know, this prospecting is very risky, and if there are fewer minerals, it will be very bad for us." Meng Fei said.
"I think it's better to have a railway project, you can mortgage the shares of the railway project, so that the land, minerals, and shares will be gone." Meng Fei thought of the railway at this time.
"Of course. The more the shares of the railway are mortgaged, the more the funds, the railway project is absolutely profitable, and the future operation prospects are very promising. Meng Fei continued. He knew that the railway project required a lot of money, but the railway was also a very profitable project, and Meng Fei wanted the other party to agree to pledge the shares to achieve their purpose of expanding their business.
"Nope. No way. Lou Jing said at this time.
"There are already local sources of funding for rail projects. Moreover, Qi Guo achieved the purpose of building a railway by mortgaging shares and joint ventures, and it is impossible to mortgage the shares to you. Lou Jing said at this time.
"The object of our cooperation is a joint venture between United Commercial Bank, Qinguo Wenyang Bank, Royal Bank and Royal Bank of Korea." Lou Jing said.
"For such a big project, Qi still needs bigger banks to do it, and we plan to put more banks in the commercial sector, or we plan to put it in the transportation industry. In doing so, it is beneficial to align the country. It's just that we Qi people don't have so much collateral in our hands. Lou Jing said worriedly.
"Commercial, Transportation." Meng Fei said.
"Yes, we plan to increase the support for commerce, reduce taxes for business, vigorously develop commerce, South Korea's merchant ships dock in our coastal area, so that their goods will be unloaded from the coastal area, and then transported to various countries through us, if there is a railway, we just need to develop short-distance transportation. The hoarding of goods can solve the problem to a large extent. Lou Jing continued.
"Oh. If it develops in this way, it will require a lot of capital, but the scale of the funds is relatively small. Meng Fei said.
"Yes. That's what it means. I have seen the scale of the banking system in Qin, and there are large, small and medium-sized banks in Qin. In this way, banks of various sizes correspond to a bank capital scale, which is too much needed for us in Qi country. Therefore, we hope that there will be more banks from the Qi State like this coming here. in order to solve our financial problems. Lou Jing continued.
"Mr. Lou." At this time, Meng Fei said.
"If I go to the Qi country to inspect it, will the Qi country welcome me?" Meng Fei asked at this time.
"Welcome, of course welcome, what we need is a capitalist like you Qin State, we have such capital, we can develop a lot of things, you can go anywhere in Qi Country to see. Barracks are open if needed. Lou Jing said enthusiastically.
"That's ridiculous. Let's just take a look, look at it, and I think that the idea of the gentleman is very much in line with some of the characteristics of our bank, and the current situation is very much necessary to do so. I'm going to see if I can change it, to be flexible. In order to solve the problem thoroughly. Meng Fei said.
"Welcome, welcome, very welcome." Lou Jing said.
"Okay. I'll go. I need to go back and prepare, and if I can, I will bring more people to inspect and see how the Qi country is developing. Meng Fei said excitedly.
"Yes, you're very welcome." Lou Jing said happily.
"Then I'll go back." Meng Fei left quickly, he felt that he had found a big market by himself, and this market was enough to solve many problems. This is what banks need most at the moment. He found it.