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Text Chapter 422: Loan business that needs to consider national conditions

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    "Boss, your worries are completely unnecessary. The advantages of our company are too obvious. If there are no competitors at all, if our company's business cannot be launched, it must be mine.  Question, you can definitely punish me." Robert said confidently.

    ¡°It is indeed very advantageous, but you also said that this is an advantage based on the fact that our company has no competitors at all. If there are new competitors, do you think our Bank Asia can maintain the existing advantages?  Advantage?" Liu Dong is not as confident as Robert. Even from the perspective of showing the boss's authority, he cannot fully agree with Robert's words, not to mention whether there is really a problem is still unknown.

    After all, even the best plans can¡¯t keep up with changes, and as long as there are changes, the original plan may not work.  Captain Chang Kaishen¡¯s plan was good back then, but didn¡¯t it change in the end?  Therefore, we must not be too complacent in everything, and we must take into account some sudden situations.

    "Are there competitors? This is impossible. Although there are currently foreign banks operating in China, the business volume is small and not a big deal. If they want to compete with our Asian Bank, they will have to work hard for several years, and  After they truly enter the Chinese market on a large scale, our Bank Asia Bank has already established a firm foothold in the country and is no longer afraid of competing with them." Robert shrugged and said casually.

    "What? You said that foreign banks have already entered the country?" Liu Dong asked in surprise. He really didn't know about this issue.  He had always thought that foreign banks would not enter the Chinese market until at least the Prime Minister's southern tour. Unexpectedly, there were already foreign banks in the country.

    Seeing Liu Dong¡¯s surprise, Robert was even more surprised: ¡°Boss, don¡¯t you know that there have always been foreign banks in China?¡±

    Seeing Robert like this, Liu Dong said sarcastically: "I really don't know. I thought there were no foreign banks entering the country yet?"

    Liu Dong¡¯s impression of foreign-funded banks before the leader¡¯s southern tour was always that of HSBC and those foreign-funded banks in the Republic of China.  As for New China's foreign-funded banks, he has very little impression, and he is not in the financial industry, so it is not surprising that such common sense mistakes occur.

    "In fact, there have always been foreign banks in the Chinese market, but due to long-term suppression, it is difficult to carry out normal business, so you people in China may not understand it very clearly. But in fact, since the late Qing Dynasty, foreign banks have been  There has never been a break in the Chinese market. Of course, boss, you don¡¯t have to worry too much, because it is difficult for foreign banks to do business in the country. Most of their current business scope revolves around the government. As for private business, they basically  There is no interference, and even if there is interference, it is only a very small amount, and it will be gone with just a touch." Robert comforted.

    "Well, it seems that I have underestimated these foreign banks. Compared with them, we at Huanya are not even kindergarten children. We don't have the ability to fight them head-on. Since they don't have many people among the people.  If the business is still strong, we must seize the business share as soon as possible. Only with a stable and solid market can we be able to compete with them." Liu Dong said angrily.

    Hearing that Liu Dong was still worried about those foreign banks, Robert didn't know what to say. If these banks can really play a role, let alone Liu Dong, a layman, who is frightened, even he, an insider, is not sure.  But the problem is that these foreign banks do not do any harm to Asia at present.  Instead of worrying about them, it is better to think more about how to firmly grasp the domestic private market in China.  As long as the market is in its own hands, Huanya will have ample room for maneuver no matter how it changes in the future.

    "Yes, we must firmly grasp the market and not let those damn bastards muddy the situation. This is not in the interest of our Asian Bank, especially JPMorgan Chase. They are definitely not good birds." Robert criticized  Speaking of.

    "But how should we firmly grasp the market? This requires careful consideration. It must be in line with the national conditions of our Chinese market in order to capture customers. Even if there are competitors in the future, we can start with customer loyalty.  "Liu Dong ordered.

    "I understand this, boss. But as a foreigner, I don't know much about China's national conditions. If I want to start from the national conditions, I have to ask locals like you, boss, to understand it thoroughly." Robert said helplessly.  .

    If it is the national conditions of the United States or Europe, Robert will definitely be very familiar with it and make detailed plans.  But China's national conditions are not something people like him can comment on at will.  Nowadays, the Chinese mainland is still very mysterious to most foreigners.??, the foreigner who knows China best is Little Japan.  But unfortunately, Robert is a Jew, not a Japanese, so even though he has worked in a Chinese company for so long, his understanding of the Chinese people is not very high.

    Hearing what Robert said, Liu Dong thought that this instruction seemed a bit too much for Robert.  Not to mention he is a foreigner, even if he is a native, there are not many people who can thoroughly study the domestic sentiments.  At least Liu Dong seems to be an idiot in how he handles certain things.

    But Liu Dong knew that if he did not start from the national sentiment, even if SAIB had a certain head start, it would be very difficult to eventually occupy a large share of domestic high-end loans.  Few people in China are loyal to products.

    Take the later generations of Nokia mobile phones as an example. They have been popular in China for more than ten years, but as soon as the Apple mobile phone came out, Nokia mobile phones immediately stopped selling.  The market share went from the highest point to the lowest point faster than a roller coaster ride. In the end, people who were still using Nokia phones were actually laughed at by others. Most people would rather use Chinese knock-off phones or off-brand touch-screen phones than use Nokia phones.  .  The brand credibility of more than ten years was immediately destroyed.

    From this small case, we can see that Chinese people¡¯s brand loyalty is completely nonsense.  If you don't grasp the trend well, even if you are a pioneer in this market, you will die ugly. Ericsson before Nokia can also prove this well.

    From the perspective of the mobile phone business in later generations, Liu Dong cannot separate the development of the loan business from the national sentiment.  We must firmly grasp the consumer psychology of domestic customers, otherwise, even if we occupy the vast majority of the market for a while, it will be in vain in the end, which is equivalent to a one-shot deal.

    Although the entry cost of large loan business is high, it does not mean that only SAIB can do it in the world.  There are many banks around the world that can handle this business, and many of them have stronger funds than Huanya and more connections than Huanya.  If you want to stand out, you must have something to shine.

    "I will consider this issue. When the time comes, I will arrange more professional people to cooperate with your work. The reason why I raise this issue now is to let you understand that to carry out loan business in China, you must rely on more than just  These are just a few small advantages. What our Bank of Asia needs more is humanized services and services that are closer to the people of China. Only by firmly grasping these points can our company's business be sustainable for a long time.  Continue to gain a foothold in the country. If circumstances permit, I will expand the business of SAIB in China as soon as possible to facilitate your business." Liu Dong said.

    If it weren¡¯t for Robert, Liu Dong would have thought it would be difficult for banking business to enter the Chinese market. However, after hearing Robert say that many banks in China are doing business, Liu Dong felt that this matter was definitely not without room for negotiation.  If you work harder, maybe Liu Dong will open this gap. With the strength of Asia Bank and the support of those future customers, it shouldn't be particularly difficult to enter the Chinese market.

    "If we can really bring SAIB to mainland China, it will definitely be the best support for SAIB. As for the issue of national sentiment that you mentioned, boss, I hope you can solve it as soon as possible. Also, if we can  To carry out business in China, based on the current scale of our Asia Bank, we need to deploy more manpower, otherwise, there will be a shortage of staff." Robert said happily after hearing Liu Dong's promise.

    "Don't talk to me about the small issues of increasing manpower. If you want to hire people, just hire them. This is an internal issue of your Asia Bank, and I won't get involved. But there is one thing I need to tell you. In the Chinese market,  While developing business, you cannot leave things in the Soviet Union behind. Things in the Soviet Union are very important to our company, so important that if there is a conflict between the Soviet Union's business and the business in the Chinese market, I would rather you give up the business in the Chinese market.  , can't put down the Soviet business. Do you understand this?" Liu Dong asked seriously.

    "Understood, boss. I will handle these things well. I believe that under your leadership, our Bank of Asia will shine brightly." Robert began to flatter him again.

    "It's good that you can understand. I hope you can come up with a complete plan as soon as possible. It is best to start work immediately after I come back from the trip. Okay, now my task is completed. Next,  It's up to you." Liu Dong said with a smile.

    "Okay, boss, you're always so cruel. My poor vacation was wasted, my lovely beach, beautiful girls, and those bikinis. But you were able to have a great time. It's not fair.  !" Robert muttered as he walked out of Liu Dong's office door.
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