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 to buy a bank.
When I came back, I wanted to do some new business, which is also beneficial to 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 guys can't make trouble.
With the strong strength of investment banks such as Goldman Sachs, Morgan Stanley, JPMorgan Chase, Citigroup, 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, I am afraid that your desire to go abroad and compete with them will become more and more 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 launched? I won't say
No supervision! 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?
How many years have we talked about liberalizing the hands of private enterprises and breaking up the monopoly situation of state-owned enterprises? But I am just a very simple idea and I can't agree on it. How can we let private enterprises develop? You want to talk about these banks?
If they have outstanding abilities, just like Goldman Sachs, Royal Bank of Scotland, and UBS, 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 talked, 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?
See how they approved this and that in a big way, and ended up going bankrupt like those foreign banks, and harmed countless people?"
"Please! Although the banking law stipulates that banks can fail, but do you think any bank in a developed country dares to fail so directly and indifferently?" 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 it and assume its debts? Wasn’t it the government that ended up footing the bill for the big bank that collapsed in France? There was also a small bank that just collapsed in Japan, and the government immediately announced a capital injection. Isn’t that just to avoid public panic?”
Niu Ruzheng smiled. What Xiao Qi said was indeed correct. No responsible country would allow banks to fail. China's regulatory authorities were not the only ones to do this.
"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.
It’s even bigger!”
"Who did you listen to?" Xiao Qi said in surprise: "The deposits of the four major commercial banks of Zhongnong Construction Engineering Co., Ltd. all start in the trillions, right? Let's just do 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, and in a year it was only 164 billion yuan, which is less than a fraction of theirs! Is it natural for me to run such a small business and still be treated so harshly?"
"Just change the concept there." Niu Ruzheng once again exposed his pretense, "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 the monthly turnover will be over 100 billion in the future! During festivals and other events, it’s not impossible to achieve 200 to 300 billion per 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 switched to a B2C platform shopping website, Jingxi could sell 50 billion a month, which would make Brother-in-law Milk Tea smile 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 does not mean that Xiao Qi can achieve the goal if he is willing to invest money, and people's purchasing habits must change.
, at least we have to follow this generation of young people to become parents before we can hope to achieve it.
You know, most of the women who are in charge of the finances in the family unit, who are the biggest consumers of shopping now, don’t know how to access the Internet!
Only after young people have grown up to their level can we usher in explosive growth. This is an important reason why Xiao Qi estimates the b2c online shopping market to be worth two to three trillion a year.
As for now, it can maintain 20-30 billion per month and reach 50 billion per month in 2012, which is 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 that 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!
However, at this juncture, the road still needs to be walked 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 rich people? Hong Kong’s position as a financial center is very important to the country. Ask those rich people to help organize a delegation and have formal contact with the regulatory authorities.
Make it a bit louder so that I can help you a little bit and see if I can let you give it 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 said with a smile, "Fortunately, your scale is not large now, with a turnover of 10 to 20 billion a month, so it 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.
Accumulate more experience in the supervision of this industry! You can also be regarded as a pathfinder!"
Niu Ru straightened his head 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 slowly participate in it 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.
Now that we are sitting in this position, we must think more, otherwise we will betray people's trust in the government.
Speaking of which, Niu Ruzheng is indeed very tired. He has to think everything through and consider the overall situation.
In comparison, Xiao Qi was much more relaxed.
After hearing Niu Ruzheng's promise, the central bank has passed this level. 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 the crucial first step. According to the young man's current vision and ambition, he can't help but be a little excited! (To be continued, please search Piao Tian Literature for better updates of the novel.