Add Bookmark | Recommend this book | Back to the book page | My bookshelf | Mobile Reading

Free Web Novel,Novel online - All in oicq.net -> Fantasy -> Resource Empire

Text Chapter 419 Loans are meant to make money (Part 1)

Previous page        Return to Catalog        Next page

    There is a certain generation gap between Liu Dong's ideas and Hu Li's current ideas.  So Liu Dong said that as long as he was not a family that had any enmity with the Liu family, as long as he had a reasonable project, he could get a loan from him, Hu Li and the others were a little confused.

    "There are many of these so-called potential customers in China now. If you open the door like this, won't it have any impact on your Huanya? Even if it has no impact on your Huanya, what about your Liu family?  Aren't you quite a money-splitting boy?" Hu Li asked suspiciously.

    "Yes, we know your ability to make money, but no matter how much money you have, you can't spend it like this. I really need to tell you. What will you do if you can't come up with the money? Don't fail to win over  If you hit someone, you will offend them, which will not do any good to you Huanya or the Liu family." Qi Heren also said worriedly.

    Although what Hu Li and Qi Heren said did not sound so pleasant, Liu Dong could still feel that they were indeed considering the problem from their own perspective.  But because their horizons are not broad enough, they have such an idea. If they are sent to Hong Kong to stay for a while, they will definitely not think that Liu Dong is doing business at a loss, but they will think that Liu Dong is really smart.

    If Hu Li and the others had little connection with the Asia Bank loan, Liu Dong would definitely give a random reason to stop them from pursuing the matter.  However, if SAIB wants to carry out large-scale loan business in China, it still needs everyone to publicize it, so Liu Dong must let them understand the truth behind it.

    Liu Dong sorted out his thoughts and explained: "Originally, this matter is a secret of our Asia Bank and should not be talked about. But you also need a lot of help on this matter, so I will simply give you  Please explain, otherwise, you have no idea what this loan does."

    "Is your loan different from the central bank's loan?" Hu Li said angrily.

    "Of course it's different. The central bank's loans are to stimulate domestic economic development. Although the total amount is large, the money that can be obtained for each project is not that much. In addition, the central bank's main services are those  Bai Ding. For people like us, when we get money from the central bank, although the procedures are very complete, it is somewhat inconvenient. If it is not necessary, everyone is not willing to take a loan there, right?  ?" Liu Dong asked.

    "Of course, those of us who want to work on big projects, a little loan will not help at all. It is difficult for the central bank to satisfy us. Even if we are satisfied, both the central bank and us have to be careful, fearing that they will be caught  What's the point? In addition, for large-amount loans, even if they are available, the number of places is very small, which cannot meet the demand. If you really want to get it, it will be very troublesome. Therefore, the central bank cannot get it if you need it, and there is no need to go if you don't need it.  Loans, as a result, loans from the central bank are not popular among those of us." Qi Heren said.

    Documents such as the regulations on business operations for children of cadres have been released a long time ago.  Moreover, the above must be more or less formal, and the documents cannot be regarded as fake.  People like Hu Li, Liu Dong and others have to be even more vigilant. If someone uses the central bank's loan to make trouble, it will be somewhat troublesome. If the people above take it seriously, they may become a typical example.

    ¡°It¡¯s really not a good deal to sink yourself into something just for that little money.  Therefore, most third-generation people who want to do business will not go to the central bank for loans unless they have no other choice.  Of course, let's not mention the secret transactions. After all, doing so will leave a big trace. Once something goes wrong, it will be a big deal. People who don't want to leave any clues will naturally not take this path.

    This strategy of the central bank is actually a manifestation of the will of the top management.  The purpose of the central bank's lending is to improve the overall economy, not to allocate all limited funds to powerful people.  If you do that, it will cause a lot of conflicts and is not conducive to management.  If it were just people like Hu Li who wanted to make money, the central bank would not be allowed to lend. That would simply intensify the conflict.

    Therefore, the amount of central bank loans is very large, but the main targets of their loans are ordinary people, not the powerful.  With such a tone, people like Hu Li are naturally not very interested in central bank loans. They know that the money is not spent by people like them, so why bother to touch this red line?

    "It seems that you are still very clear-headed. You know that the purpose of the central bank's large-scale lending is actually not a complete market method, but a very large policy purpose. But we at SAIB do not have this concern. I  Therefore, the reason why our SAIB loans are different from central bank loans is that central bank loans are for policy purposes, while our SAIB loans are only for market purposes. In the final analysis, our SAIB wants to make money.  , rather than making policies.  Can you understand this statement?  Liu Dong asked.

    "I understand the general meaning. The reason why you want to lend money is to make money. We know this, but how can you make money just by lending money? You know, the domestic loan interest rate is very low. Do you want to  I'm afraid it's not easy to make money here." Even though Liu Dong said so much, Hu Li and the others still expressed doubts that loans could make money.

    No wonder they don¡¯t believe that loans can make money. In fact, the interest rates of domestic loans are indeed not very high now. All loan businesses are equivalent to low-interest loans in future generations, with welfare properties.  Most people in the country don't like this kind of loan. Except for those who are discerning, no one likes the loan. Even the bank's own staff will have a headache when they see the minimum loan guarantee limit and work hard.  Promote loans within your own social circle.

    If any of the bank staff in later generations has a loan limit, that person is the boss.  The current situation is that no one wants to talk to anyone who has a loan limit, even during the Chinese New Year, when visiting relatives, for fear that these people will sell the loan to them.  Now, banks are not a popular sector.  With this situation, Hu Li and the others naturally had little interest in Liu Dong's loan business.

    "Haha, if the loans of our Asia Bank are also based on the loan interest rates of domestic banks, let alone you think it will not make money, even I am doubtful about this loan business. I have said it before, now  Domestic loan business is all policy-based, rather than purely from a business perspective. As long as you go abroad for a while, you will understand that the loan interest rates abroad, unless it is a small part of the welfare nature  Loans and normal commercial loan interest rates are not small amounts. How do foreign banks make money? A large part of their profits are in the loan business." Liu Dong explained.

    "According to what you said, the interest rate of your Asia Bank loan is very high? What about the interest rate of our loans?" Hu Li asked nervously.

    When it comes to their own interests, Hu Li and the others will never lack vigilance.

    "The loans you get are definitely low-interest or even interest-free. Otherwise, how could I call you a model? Without big benefits, why should I let you be a model? This loan is naturally included in it.  But other people will definitely not be as lucky as you." Liu Dong dispelled Hu Li's doubts.

    "This is more or less the same. But if you let others take high-interest loans, there is still a question whether others will take such loans." After hearing that the loans of several of them were low-interest, Hu Li and the others relaxed.  He breathed a sigh of relief, but still felt uneasy about the future of Liu Dong's loan.

    "Since I dare to ask SAIB to provide high-interest loans, I must be sure of it. Otherwise, wouldn't it destroy our SAIB's brand? As long as our SAIB's loans have enough advantages, even if they are high-interest loans  According to the international market, as long as others want to make money, they will be happy to accept it. Of course, you still need to vigorously publicize this, otherwise I will lose money if I set up a pacesetter." Liu Dong said with a smile.

    "Enough advantages? I would like to ask, what are the advantages of your SAIB loan." Qi Heren asked.

    "The first advantage of our SAIB loan is that it is scientific. Our SAIB loan will not be an uncontrolled loan. If your project is simply a very bad project that is destined to lose money, then  No matter how high you raise the interest rate, we, Asia Bank, will not lend you a single penny, no matter how strong your background is." Liu Dong mentioned the first advantage.

    ??The advantage Liu Dong mentioned is to turn loans into advantageous resources instead of blindly messing up debts.  The most important point in measuring whether the loan business can continue for a long time is to make the loan a high-quality stock.  Not blindly lending is not only for the good of Huanya, but also for the sake of customers. If Huanya's loans become bad debts, it will not only be Huanya, but also all customers who will suffer in the end.

    Although Liu Dong was not in finance in his previous life, he knew more or less how Barings Bank, ranked 18th in the world, collapsed.  Although on the surface it is said that Barings Bank was suspended because of a young boy's securities, but all fools know that it was such a outrageous thing that Barings Bank, which controlled 27 billion pounds, was suspended for only a loss of 600 million pounds.  It really makes even a fool laugh.

    If it weren¡¯t for bad loans, Barings would have been able to survive the loss of 600 million pounds.  Therefore, if Liu Dong wants to make loans, he must make them scientific and reasonable, not a mess.
Didn't finish reading? Add this book to your favoritesI'm a member and bookmarked this chapterCopy the address of this book and recommend it to your friends for pointsChapter error? Click here to report