Rebirth of the World’s Richest Man

After talking about Jianhua Village, Jiang Xiaobai talked about the business trip. This time, the trip to Yamato East Economic Zone may be a bit long. At least the acquisition must be almost settled before he can come back.

Therefore, Jiang Xiaobai had to make arrangements for a lot of the group's time. In fact, it was mainly about Jiahe Company's competition in foreign markets and Changxingju Real Estate Company's Xiangjiang project.

"Director Jiang, I suggest you go to Xiangjiang to have a look in person. The projects in Xiangjiang still need to be checked by you. Moreover, Changxingju Real Estate Company has so many land parcels in the country that need to be developed as soon as possible. , Now let’s start with the funding issues…”

Zhang Weiyi said with some helplessness that Changxingju Real Estate Company had acquired a lot of land in China before. At that time, land prices were not high, and the country did not vigorously develop the real estate industry. However, with a series of changes in real estate policies last year.

The entire domestic real estate industry became hot immediately. Changxingju Real Estate Company is not the kind of company that takes land and does not develop it, but only thinks about land speculation.

So we are faced with a development problem. Last year, Changxingju Real Estate Company started construction on a total of one project in China.

This has put a lot of pressure on Changxingju Real Estate Company, but with more projects expected to start this year, the source of funds has become a big problem.

Jiang Xiaobai pondered for a while, looked at Zhang Weiyi and asked, "Let Changxingju Real Estate Company find Huahua Bank."

In fact, there are many ways to solve the financial difficulties of Changxingju Real Estate Company. The first is in the stock market. Changxingju Real Estate Company has been listed in Pengcheng.

In addition, the headquarters transfers part of the funds to Changxingju Real Estate Company. The ten projects started last year are paid back very quickly. As long as the money is paid back, it can be returned to the headquarters.

The headquarters has also had relatively ample funds in the past two years. Let alone more than one billion, there is no problem in supporting it with more than 1 billion.

But in the end, Jiang Xiaobai was still prepared to take a loan from Huahua Bank. After all, Changxingju Real Estate Company is now a listed company, and its financial situation is relatively good. It is most appropriate to take a bank loan to get the money to start construction. What is needed is independent operation.

"Okay, then I will help coordinate this issue later." Zhang Weiyi nodded. In fact, Wang Meng meant the same thing, otherwise he would not have found Zhang Weiyi here.

Wang Meng was not familiar with Huahua Bank, but Zhang Weiyi used to be the person in charge of Huahua Bank.

With Zhang Weiyi helping to coordinate, there will definitely be no problem.

"The other thing is Huahua Bank's entry into the domestic market. Do you think this matter will also start to operate?" Zhang Weiyi asked.

This is an important concept for the future development of Huaqing Holding Group and Hua Qing Bank. According to Jiang Xiaobai's idea, Hua Qing Bank will definitely enter the mainland.

But in fact, it is very difficult to operate. After all, Huahua Bank is nominally owned by foreign capital, that is, capital from the north.

Although the actual controller is Jiang Xiaobai, the registration place and so on are all in Moscow.

It is very difficult for foreign banks to enter the domestic market, but of course it is not impossible.

As early as the 1980s, foreign banks entered the domestic market. That bank was called the Daiwa Export-Import Bank Representative Office. Although it was just a representative office, it also represented many things.

In the past two years, foreign banks have continued to enter the country, but their development has not been very good after entering the country.

How can I say this? There are still many restrictions. For example, in the personal retail business, there is basically no way to do it.

Because first of all, domestic personal retail savings and other businesses have long been divided up by domestic banks.

In addition, there are restrictions on branches and sub-branches. Needless to say now, even in future generations, domestic restrictions on foreign banks are also very strict. For example, you are only allowed to open one branch in one province a year.

If you want to open branches nationwide, it will take more than 30 years. The core of the bank's retail business is to open stores.

Restricting the opening of stores basically cuts off the reach of foreign banks into the country.

In this way, there is no need to expect to do the retail business. Supervision is very strict. Of course, Jiang Xiaobai doesn't think there is anything wrong with this.

But now that Huahua Bank wants to enter the country, Jiang Xiaobai needs to consider whether it is necessary for Huahua Bank to enter the country and when is the best time to enter the country.

"Forget it, you should talk to the regulators first. Don't worry about the details. We will wait until Yaohan is acquired.

Take some time to take Mr. Huang to the capital, talk to the regulators first, and try to get some conditions. After all, our Huaqing Holding Group is the controller of Hua Qing Bank, not a foreigner. "Jiang Xiaobai thought about it for a long time and finally said.

In fact, it would be good if Huahua Bank could enter the country. If Huahua Bank enters the country, it will not compete with domestic banks for the retail business market, but rather compete for the business of domestic small and medium-sized enterprises.

This part of the market seems inconspicuous now. Grandma doesn’t care for what uncle doesn’t love. Many small and medium-sized private enterprises are begging grandpa and grandma everywhere and they can’t get loans. Big banks ignore them. People don’t like them, but they value them. They are relatively large enterprises that have developed in state-owned enterprises and private enterprises, and these small and medium-sized private enterprises are not taken seriously at all.

There is no way to get a loan.

But Jiang Xiaobai knows how much potential these small and medium-sized enterprises will have in the future after they develop. In fact, these small and medium-sized enterprises do not have no development potential.

It’s just that sometimes there is really a lack of financial help. Without financial help, it is really difficult to develop.

After Huahua Bank enters the country, if it can capture this part of its customers, it will definitely live a prosperous life in the future.

Moreover, domestic small and medium-sized private enterprises also lack a bank to provide them with financial help. This is a win-win cooperation.

"Okay, I will contact Mr. Huang to go to the capital later, but the negotiations with the regulatory authorities will probably require your appearance." Zhang Weiyi said with a smile.

One advantage Huahua Bank has over other foreign banks is that its actual controller is Jiang Xiaobai, a Chinese, not a foreigner.

Moreover, Jiang Xiaobai's reputation in the country is known to the higher-ups. Especially during the financial crisis the year before last, Jiang Xiaobai performed very well, which is a bonus.