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Jiang Xiaobai looked at the information collected by Mr. Huang, and Zhang Weiyi had already talked with some high-level personnel of Huahua Bank. Zhang Weiyi was the person in charge of Huahua Bank at the time, so he was very familiar with them.

Talking now, there is no strangeness.

Jiang Xiaobai put down the materials in his hand after reading it, and Zhang Weiyi also stopped asking. After the conference room became quiet, Jiang Xiaobai looked at Mr. Huang and asked, "This means that you are still very optimistic about the mainland market, right?" Mr. Huang nodded affirmatively: "Yes, Mr. Jiang, we are optimistic about the mainland market. If we can enter the mainland market, it will be a great supplement to the development of Huahua Bank."

Jiang Xiaobai nodded: "Yes, but your main business is to add loan services for small and medium-sized enterprises.

I've mentioned this before..."

Jiang Xiaobai paused while talking, and looked at Mr. Huang. Regarding the business of Huahua Bank after entering the country, Jiang Xiaobai had mentioned it to Mr. Huang before.

That is, the main business is on the loans of small and medium-sized enterprises. This part of the business is not small. If this part of the business is done well, Huahua Bank will definitely have potential in the future.

"That's right, Lao Huang, haven't I discussed this matter with you before, let you think about this part of the business, this is a good entry point for us to enter the country." Zhang Weiyi also said.

Mr. Huang smiled wryly when he heard the words, took out a document and handed it to Jiang Xiaobai and Zhang Weiyi.

"Mr. Jiang, Mr. Zhang, I have considered the loan business of small and medium-sized enterprises that you mentioned, and I have done a detailed investigation. Here is the information. Please read it first."

Jiang Xiaobai took it over and looked at it. This is a copy of the bad debt rate of several banks in Shanghai, Yangcheng, and several other cities after lending to small and medium-sized enterprises.

Mr. Huang saw two people looking at the documents, and introduced them at the same time. We selected several cities and banks in China.

I got some figures and fined small and medium-sized enterprises. Their bad debt rate is too high, and the bad debt rate of this part can even reach more than 7%, or even better.

As for Huahua Bank's normal credit, if the bad debt rate exceeds 1%, it is considered high, so Mr. Huang has great concerns about this aspect.

The more Zhang Weiyi looked at it, the more frightened he became. The bad debt rate of a few percent seemed to be nothing.

But you must know that this 7% bad debt rate is equivalent to almost one loan out of ten loans that will not be recovered.

These loans are not mid-to-long-term loans, but short-term loans. If the loan is recovered, it will not earn much money in interest, but if the loan cannot be recovered, it will really lose a lot.

"Jiang Dong, this bad debt rate is indeed a bit high." Zhang Weiyi said.

Mr. Huang also looked at Jiang Xiaobai. He knew that Jiang Xiaobai was very optimistic about the loan business of this small and medium-sized enterprise, and wanted to use this as an entry point, or even the main business, but after the investigation, he was a little scared.

"Yes, that's right, the bad debt rate is indeed very high, and even in some small places, the bad debt rate has doubled." Jiang Xiaobai said.

These data should be obtained by Mr. Huang from some channels through his own relationship. This is not data that involves confidentiality, but just a rough statistic, which is known to many people in the industry.

No depositor's secrets are involved.

"But you got a problem wrong, that is, the enterprises on this data, the main body of lending is state-owned enterprises, not private enterprises." Jiang Xiaobai said with a smile.

The bad debt rate of state-owned enterprises has never been a secret in China. It is known to individuals, and in many cases it is simply high.

For some state-owned enterprises, they have no ability to repay the loan at all, and the local government can only get the money by providing guarantees.

It is indeed a bit difficult for the bank to recover the loan from the state-owned enterprise, and it is still impossible to seal up other people's enterprises and auction off their things.

Just kidding, the state-owned enterprise is not able to survive, you go and try it, it just gives the workers a place to eat.

Everyone knows that a loan from a state-owned enterprise is a messy account. As long as it is brought to a state-owned enterprise, there is often no need to expect it to be recovered.

But if you say no loan, sometimes there is really nothing you can do. The local government looks for you every day, and it won’t work if you don’t grant a loan. This is the case in every place. What if you don’t grant a loan?

Anyway, it's just a mess, the meat is rotten in the pot, so I don't care about it a lot of the time.

Of course, there are still some people who got loans because of their personal relationship. Anyway, the things here are very complicated, which cannot be explained clearly in a few sentences.

It's not something Jiang Xiaobai wants to take care of, as long as he manages the Huahua Bank well.

After reminded by Jiang Xiaobai, Zhang Weiyi immediately understood: "Old Huang, is the data you collected from the bank to the state-owned enterprise?"

"I don't know. The specific lender, the confidential information belonging to the bank, we still can't get it." Mr. Huang was also a little embarrassed, as if he had made an oolong.

He has heard a lot about the difference between state-owned enterprises and private enterprises in this country, but he doesn't know the specific differences. Isn't this the difference between state-owned and private companies?

They are all loaned by the bank. Is there any difference? Anyway, the bad debt rate remains high, where is the data.

When Jiang Xiaobai saw that Mr. Huang still looked confused, he knew that Mr. Huang didn't understand the crux of the matter at all.

So he asked with a smile, "Do you think that part of the bad debt rate should be attributed to private enterprises?"

Mr. Huang nodded, and Zhang Weiyi said with a wry smile: "Old Huang, you are wrong, you don't understand the domestic situation at all, I dare say that the bad debt rate is mostly, 80%, or even 100% Ninety, ninety-five percent should be counted on the state-owned enterprises."

Mr. Huang's eyes widened, and Zhang Weiyi further explained: "Because private enterprises rarely get bank loans in China, even if they do, private enterprises do not have the ability to go bad.

As long as people are alive, they have to pay back the money, so the 95% probability I said was all low. It should be said that 100% of the state-owned enterprises are the fault. "