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Text Chapter 1944 Debate

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    Xiao Qi didn't know what Niu Ruzheng meant, but he knew that Uncle Niu was definitely not someone who didn't dare to try new things, but they were all done by his own hands.

    Therefore, when he talked about his thoughts, he was not embarrassed at all: "Uncle Niu, I know that private banks in the mainland are difficult to handle, so I have already taken care of these officials. I went to Hong Kong and bought a bank.  When I came back, I wanted to do some new business, which would benefit the country and the people, but they rejected it without even thinking about it. Isn¡¯t this a strong sense of bureaucracy?¡±

    "Go, go, do you know what bureaucracy is?" Niu Ru just scolded with a smile: "In the financial field, no matter how cautious you are, you can't be too cautious. Our banking system is actually not strong.  Once a loophole is taken advantage of by foreigners, it is likely to cause a huge collapse, and it will be difficult to end it at that time!¡±

    Niu Ruzheng was right.

    The financial field involves the national economy and people¡¯s livelihood and is a very important battlefield in peacetime.

    Entering the 21st century, China's economic development has experienced several overheatings and several depressions, but there have been no major fluctuations in the financial sector. Or is it because of the conservatism in the financial field and a strong and conservative central bank in charge, which naturally allows  Those little ones can't make trouble.

    With the strong strength of investment banks such as Goldman Sachs, Morgan Stanley, JPMorgan Chase, Citi, UBS, and HSBC, even the European Union was almost collapsed by them, let alone small countries such as Venezuela, Iraq, and Iran. In the end, only  Being able to act based on other people's faces is indescribably frustrating.

    China has always been a conservative country. Knowing that its strength is not comparable to foreign financial giants, it simply restricts their performance by restricting admission, thereby achieving the purpose of protecting itself.

    Of course.  Such conservatism is not a good idea in the long run.

    Because no matter which industry you are in, you need to make progress. Once others are making continuous progress, but you keep standing still, when the gap becomes wider and wider, you may want to go abroad.  The desire to compete with them becomes increasingly difficult to realize.

    Xiao Qi began to retort: ??"Uncle Niu, you said that they are not willing to let my bank carry out deposit and loan business, so that's fine. But why can't they let me do the business that they have not yet carried out? I won't say  Don¡¯t let anyone supervise you! My bank welcomes supervision at any time. We will also report the application before doing each business and will not execute it until it is approved. Isn¡¯t this okay?

    We have been talking about letting go of private enterprises for many years.  Has the monopoly of one state-owned enterprise been opened?  But even my simple idea is not accurate, so how can we let private enterprises develop?  If you want to say that these banks have outstanding capabilities, just like Goldman Sachs, Royal Bank of Scotland, and UBS, then that's fine. The question is, what else can they do besides being a gangster?  "

    Listening to Xiao Qi getting more and more excited as he spoke, Niu Ruzheng didn't have much emotion, "What you said is too extreme. In such a big country, so many residents have to protect their property. They are right to be cautious. Are you willing?  Seeing that they approved this and approved that in a big way, and finally ended up going bankrupt like those foreign banks, harming countless people? "

    "Please! Although the banking law stipulates that banks can fail, do you think any bank in a developed country dares to fail so directly and without any care?" Xiao Qi immediately retorted: "Even if the Dutch bank failed two years ago, wasn't it the Royal Bank of Scotland's failure?  Did the bank acquire and assume its debt? Wasn¡¯t it the government that ultimately paid for the big bank that failed in France? There was also a small bank that just collapsed in Japan, and the government immediately announced a capital injection, wasn¡¯t it just to avoid public panic?¡±

    Niu Ruzheng smiled, what Xiao Qi said is really correct, there is no responsible country.  China's regulatory authorities are not the only ones who would allow banks to fail.

    "But your plan is too bold. It is normal for the central bank to have concerns." Niu Ruzheng said slowly: "The online world has no thresholds and boundaries, and it is easy to absorb more funds. This is comparable to the traditional banking industry.  The scale is even bigger!¡±

    "Who did you listen to?" Xiao Qi said in surprise: "The deposits of the four major commercial banks of Zhongnong Construction Engineering are at least several trillion, right? We are just doing the fund guarantee business of a shopping website, how much can we have? Xiaoyao  The mall¡¯s turnover last month was only 22 billion yuan, which is only a fraction of theirs in a year! Is it justified for me to be treated so harshly in such a small business? "

    "Just change the concept there." Niu Ruzheng exposed his pretense again, "Your Xiaoyao Mall only had an average monthly turnover of 16 billion in the first few months. After May, it increased significantly. Now  It¡¯s already 22 billion, as cheap online products continue to gain popularity, at least in the future.?Monthly turnover of hundreds of billions!  During festivals and so on, it is not impossible to earn two to three hundred billion a month!  "

    Xiao Qi was really shocked this time: "Uncle Niu, are you saying that our Xiaoyao Mall sells all over the world? Two to three hundred billion a month. Even the millions of merchants on Taobao.com dare not say that.  !¡±

    During the Double 11 Shopping Festival in 2013, Taobao sold more than 30 billion yuan in one day. In one month, Tmall plus Taobao's sales exceeded more than 200 billion yuan, which has set a record. This is Taobao.com, which has a C2C platform.  The credit of small and medium-sized sellers.

    If it were replaced by a B2C platform shopping website, Jingxi could sell 50 billion in a month, which would make the milk tea brother-in-law laugh from ear to ear.

    Xiao Qi is confident that Xiaoyao Mall will become a super B2C overlord with a monthly turnover of 200 billion, but this cannot be accomplished overnight. It is not that Xiao Qi is willing to invest money to achieve the goal, and people's purchasing habits must change.  , at least as young people of this generation become parents, can we hope to achieve it.

    You must know that most of the women who are in charge of the finances in the family unit, the largest shopping entities nowadays, do not know how to access the Internet!

    After letting young people grow to them, it can usher in an explosive growth. This is the important reason why Xiao Qi estimates the B2C online shopping market as a scale of two trillion yuan a year.

    As for now, if we can maintain 20-30 billion per month and reach 50 billion per month in 2012, it will be very good.

    Even if it reaches the scale of 200 billion per month, the real expansion of Xiao Qi¡¯s Fairy Bank will actually focus on financial products like Yu Wobao.

    People at that time were accustomed to online shopping, and naturally they were also accustomed to online financial management. Some of the money their elders deposited in banks would definitely be diverted to the financial management products of online banks. This amount of money was at least more than 5 trillion, more than  10 trillion is not impossible!  !

    This is Xiao Qi¡¯s real long-term goal!

    But at this juncture, we still have to walk step by step.

    Seeing Xiao Qi so excited, Niu Ruzheng also smiled.

    He is from an economic background and knows several of Xiao Qi's industries very well. Naturally, he knows that what he just said is a bit exaggerated.

    "It's normal for the central bank to have concerns about the third-party custody you set up, but don't give up on public relations!" After saying so many offensive words, Niu Ruzheng didn't forget to remind him: "You're not  Are you ready to poach MCA? Don¡¯t you have a good relationship with Hong Kong¡¯s wealthy people? Hong Kong¡¯s position as a financial center is very important to the country. Ask those wealthy people to help organize a delegation to formally contact the regulatory authorities.  Make it a bit louder, so I can help you a little bit, and see if I can let you have a try."

    "Uncle Niu, you are so serious!" Xiao Qi smiled suddenly, "This is a good idea! You can't let down the Hong Kong compatriots, right?"

    "Whether I'm disappointed or not, that's not what I say, everything depends on your performance!" Niu Ruzheng smiled, "Fortunately, your scale is not large now, with a turnover of one to two billion a month, which is easy to supervise.  Even if an error is discovered, it is easy to stop it and will not cause much harm.¡±

    "Look what you said, this is a legitimate business. I will definitely do better and better in the future. How could it be harmful?" Xiao Qi quickly said seriously: "We promise to do this seriously and serve the country well in the future.  Accumulating more experience in the supervision of this industry can be regarded as a pathfinder!¡±

    Niu Ru straightened his jaw and smiled silently.

    He helped Xiao Qi, of course, because he wanted to help the child and let him develop better, but what was more important was what Xiao Qi said.

    Internet finance is inevitable in the future. Instead of passively accepting it, it is better to participate slowly from the beginning, so that the central bank and commercial banks can accumulate experience, so that they can also get involved in this industry in the future and continue to stabilize the country.  The financial system does not allow those with ulterior motives to take advantage of it.

    Xiao Qi is a businessman, and his sense of responsibility for the country is definitely not as good as Niu Ruzheng.

    Since you are sitting in this position, you must think more, otherwise you will betray people's trust in the government.

    Speaking of which, Niu Ruzheng is indeed very tired. He has to think clearly about everything and start from the overall situation.

    In comparison, Xiao Qi was much more relaxed.

    After hearing Niu Ruzheng¡¯s promise, the central bank¡¯s hurdle has been passed. All that¡¯s left is the entry of large sums of money and the establishment of Fairy Bank outlets in the country!

    Thinking of this, the future pillar of the Fairy Group will take a crucial first step. According to the young man's current vision and ambition, he can't help but feel?What a little excitement!  (To be continued, please search Piaotian Literature. The novels will be better and updated faster!
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