"Hello fellow Londoners in the financial sector! First of all, I would like to apologize to you, because in the past year or so, the development of our Yinghua Bank has had a huge impact on your business, so I would like to express my sincere apologies to you! ”

Xu Qing bowed first and apologized, which shocked the bankers present one by one, this is simply the sun coming out of the west. Pen × fun × Pavilion www. ｂｉｑｕｇｅ。 In fact, as bankers, they have long been accustomed to the ups and downs of this kind of high-risk banking industry. These banking and financial industries may have been a rich man one day before, but tomorrow they will become bankrupt beggars, or even commit suicide by jumping off a building with nothing. They have seen a lot of such situations.

Therefore, anyone who is engaged in the banking industry is often a "ruthless person", and this kind of person is not only ruthless to others, but also to himself. They may also have a sense that they may let others go bankrupt today, and they may be the ones who are bankrupt tomorrow. So when Xu Qing came up with a new business model, although they were hit hard and hated Xu Qing, they had to admit that what Xu Qing did was in line with business rules, and they lost in ability, not in conspiracy.

Xu Qing actually didn't need to apologize, and even if he was anyone present, he had no obligation to apologize. Xu Qing actually apologized, which obviously surprised them very much.

"For this reason, in order to express my apologies, I hereby declare on behalf of the Bank that we at the Bank are willing to provide you with the funds to help you through the difficulties, so that you can change your business model in time, return to the normal business track, and get through the most difficult moments!" Xu Qing said.

"Boom!"

The bankers present all looked at Xu Qing one by one, and they were really even more surprised. You must know that there is often no friendship between bankers, and they are all the interests of Hongguoguo, but Xu Qing is willing to take the initiative to provide funds for lending, isn't this fighting a snake and not dying, and will be bitten? You must know that the banking industry is like this, once it fails, it will be chased and fought hard, and this result makes them accept their fate from the heart. But Xu Qing was willing to help his opponent, which was an accident.

But Xu Qing then said, "You may be surprised why I did this. In fact, my meaning is very simple, we have a saying in China, called a lone branch is not spring, a hundred flowers bloom in spring. And I know that in fact, if there is only one bank in this market, and there is no other peer, it may be when we decline. We also have an old saying, "Born in sorrow and die in peace", which shows that there can be no shortage of competition at any time. ”

"As our peers in the banking industry, we certainly have competition, but I think it's more about cooperation. We should cooperate rather than compete, so that it is a healthy road of development. I think we can set up a syndicate of banks, called UnionPay for short, and I sincerely invite you to join us! ”

Those bankers were discussing what this banking syndicate was, and Xu Qing would actually propose it.

"Mr. Xu Qing, this bank is also jointly organized, what the hell is it. Is it similar to the so-called trade associations and chambers of commerce? Rothschild asked.

Xu Qing shook his head and said: "No, no, this banking association is not an industry association. The industry association is only an organization with weak binding ability, and its effect is limited. The banking consortium I conceived is an organization with strict rules and regulations, a fixed work process, and an organization that aims to maintain everyone's cooperation and avoid vicious competition. ”

"There are places of cooperation, for example, our certificates of deposit within a certain amount, and the banks in our organization recognize each other according to the situation. At the appointed time, the reconciliation and write-off will be carried out, and then we will carry out centralized settlement. In this way, we can effectively use the online stores to facilitate depositors to withdraw money, and we can charge a certain fee from them. ”

"As for the rest, we can also do the corresponding peer lending. For example, if a branch is short of funds, we can use the reserves to make a loan and make corresponding loans, so that the bank can tide over the difficulties, which is called peer lending. And this lending can even be authorized to the manager level below, so that managers in various places can solve the temporary and very short period of borrowing by themselves. ”

……

Xu Qing talked about the benefits of this UnionPay, which actually has some of the functions of the Central Bank of China in later generations, that is, the rules on reserves. The central bank reserve system has not really caught on yet, so Xu Qing proposed it, hoping to usurp the power that should have been the central bank.

Of course, there is also part of the power of industry associations, but it is more binding than ordinary industry associations. As soon as he asked, he had a fixed charter and work process, and specific industry lending could even be authorized to grassroots managers. This is much better than the industry association that has a high level, is easy to rip off, and even has poor binding force.

Of course, the most important point is to lend money between peers to prevent a credit crisis and collapse after a run on one of the banks. A run is the biggest disaster for a bank, because once faced with a run, those depositors will not only not think about surviving with you, but will desperately hope to continue to take out their money. The more you can't come up with the money, the crazier the run will become. Once you stop paying, your bank's reputation is completely ruined.

The banking industry is essentially a debt business, and the creditors are also depositors, and people want to believe that you can repay the loan at any time, so they can save their money. If you can't get your money out, your credibility will inevitably be lost. And peer lending, which is also the most important means, can ensure everyone's stability and avoid accidents and bankruptcy.

"Guys, I think our banking sector is very risky. However, it is precisely because of the risks that it is necessary to work more closely together, rather than taking advantage of the opportunity to fall into the trap. I once heard a story about someone who was killed today and you didn't speak for him. And when you are finally killed, there will be no one to speak for you. ”

"It's the same with our banking industry, what if we fall into the trap today? Tomorrow there will be people who will also fall into the well, so how will everyone then? A single industry association alone cannot guarantee our current wealth. Only when we work closely together as soon as possible can we be truly stable. ”

Xu Qing's words made many bankers present moved, you must know that the financial industry is a high-income industry, but it is also a high-risk industry. Today they may be able to become rich and become masters, but if they are not careful, they will also collapse into beggars, and even life is worse than death. Such a feeling, of course, they don't want that kind of situation.

When a person is rich to a certain extent, the desperate spirit will disappear suddenly, and all they want is to keep their wealth more securely. Xu Qing's suggestion is to let everyone cooperate, and then ensure the stability of their respective wealth as much as possible, so as to avoid everyone from falling to the bottom because of a moment of inadvertentness. Although this kind of mutual help may not be able to make you richer, you can get the greatest protection to ensure the current wealth.

In the past, although there were so-called industry associations, industry associations were too unreliable. The level seems to be quite high, but because the level is too high, it is a little "out of reach" for the grassroots level. It cannot be constrained to the grassroots level. However, depositors deposit and withdraw money, often at the grassroots level, the grassroots things are complicated, each is different, if these things are reported to the industry association layer by layer to discuss, then the daylily is cold!

Moreover, the binding force of industry associations is very poor, although everyone may discuss it, but each does its own thing, and whether to implement it is still a question. If it can really become a cooperative banking association, it will be helpful for the cooperation of various companies, and there will also be peer rescue when one of them is in danger.

Maybe it's just as Xu Qing said, today you don't save you or even fall into the well, but tomorrow there will be no one to help you, and you will also fall into the well. Everyone repeats this cycle again and again, and finally dies together.

These people have long passed the stage of starting a business, and now it is the stage of keeping a business, and how to keep a business is the most important thing. It is more difficult to keep a business than to start a business, which is common all over the world.

Xu Qing quickly and eagerly communicated with the bankers, because everyone was trying to find a way to preserve their wealth, not to make money. You must know that in the West, there are very few businessmen who can be rich for more than three generations! Although some people claim to be hundreds of years old families, but this is a European characteristic, and many families in Europe have long since declined, and they are nothing more than relying on the so-called aristocratic status to make a face. The aristocratic thinking in Europe is still very serious, and the Chinese aristocracy is not the same thing as the European aristocracy. China's aristocracy is a flowing soldier, which is essentially not much different from the bureaucracy, so China's aristocratic thinking is not deeply rooted. But in Europe, even in France, which was reunited for many years in later generations, there was still a serious aristocratic mentality.

has an aristocratic status, and many people still give face. However, that's just to save face, to say how rich it is, that's bragging! Xu Qing has seen a lot of this kind of person in his diplomatic career in later generations, those families who claim to be hundreds of years old, but in Xu Qing's eyes, they are a high-end "beggar", the kind of beggar who wears a suit and leather shoes and begs everywhere.

As for the real businessmen, not many people can enrich the country for three generations. Looking at the list of the richest people in the world, there are really few people in the world who can be rich for more than three generations! There are no more than three generations of wealth, and this is not only Chinese characteristics, but also the whole world. How to preserve wealth and continue to be rich is something that everyone should consider.

Everyone discussed the corners and corners, and everyone didn't have this awareness before, but Xu Qing pierced this layer of window paper, which is conducive to everyone discussing how to work together and continue to be rich. As Xu Qing said, continuing to be rich is everyone's first priority, and the first priority is actually no longer competition. Before, out of inertia, everyone didn't have too many ideas, but now Xu Qing has broken it, but let everyone go.

Xu Qing took the dinner plate and picked up all kinds of buffets in the same way, while tasting this buffet. Zhao Qiu also followed behind, and she also understood this kind of buffet, and there was nothing strange about it.

"Lord Xu, why do you want to help these foreigners? In fact, isn't it better to chase and fight? Zhao Qiu asked.

Xu Qing shook his head and said: "Zhao Qiu, in fact, as I said, the financial industry is a high-risk industry after all, and if you are not careful, it will be wiped out." So this cooperation really benefits everyone. “

"However, there is a bigger reason, and that is that we are foreigners after all, foreigners! No country will allow a foreigner to monopolize its finances. We may be able to chase after it, but what will the British government think? Don't talk about any laws, once it comes to politics, especially international politics, there are many problems, and the law cannot be solved casually. If the country is truly governed by the rule of law, the country will inevitably come to an end. ”

"Why is there such a thing as a Queen's charter in European countries that claim to be governed by the rule of law? Why do some national leaders still have the right to grant amnesty? In fact, all this just shows that any law actually has loopholes, and there is no absolutely perfect law in this world. If the country is truly governed absolutely according to the law, it will be seized by foreigners and made a loophole, and then use loopholes to make your country completely dead. While administering the country according to law as much as possible, it is also necessary to retain a certain degree of flexibility of power, which is actually conducive to maintaining national stability and resisting various forms of external aggression. “

"We are foreigners after all, and if we kill them all, the British government will not allow it! In front of the barrel of a gun, our money is really nothing. Therefore, instead of taking advantage of the opportunity to chase after us, we should take the initiative to help them recover, so that they will be properly grateful to us. At the same time, it is also conducive to our real integration into them and the formation of an interest group. ”

"Only by pulling these British people into our interest groups, so that even if I return to China in the future, it will not affect me because I have lost my status as a minister. The strong dragon does not suppress the head snake, and the reason why I am today is because of my status as a diplomat. But what happens if I don't have that identity? Therefore, in fact, in the end, we still have to draw more people, especially local snakes, into our interest groups, so that the basis for maintaining stability is to maintain stability. “

"Business and politics, in fact, are one and the same, not completely separated, but mutually influencing and reinforcing each other."

Zhao Qiu hurriedly nodded and said, "Thank you for your teachings, Zhao Qiu understands!" ”