"The first RMB clearing pilot, which one do you think is better?" Niu Ruzheng asked after the joke.

"I don't know about this aspect. I have to ask experts to think more about it." Xiao Qi said, "After all, I don't know that much about the country's specific strategies and which aspects I am more familiar with."

"Just hide your clumsiness!" Niu Ruzheng smiled, "That's good, lest they say that you have done all their things."

Xiao Qi actually meant the same thing.

Regarding the RMB liquidation, Niu Ru was talking to him about it, and Xiao Qi only needed to reply with his opinion.

As for what to do specifically, if Xiao Qi intervened, many people would be unhappy.

After all, Xiao Qi is a businessman, and it is not his original intention to interfere too much in financial and monetary matters.

As long as China's economy does not go wrong in general, that's fine.

"I actually prefer to pilot it in India first." Niu Ru said to Xiao Qi calmly, "First of all, India's economic aggregate is not small, and its population is also large. Secondly, your Xiaoyao Mall's entry into India is also a good opportunity.

This is the starting point for doing things."

"India is not good." Xiao Qi shook his head and said, "First, their economy is relatively backward; second, their import and export to China is not large; third, there is a lack of Chinese here to mediate and act as lubricant."

"I understand." Niu Ruzheng asked about Xiao Qi's tendency and turned to another topic, "Recently, news from Pakistan came to ask why Chinese friends opened Xiaoyao Mall in India but not in Pakistan? Can it be done earlier?

Let Pakistan also enjoy the convenience of Xiaoyao Mall?”

"I do think so, but there are very important considerations in setting the first destination in India." Xiao Qi said with a smile, "India has too many people! The population of 1.3 billion is enough for Xiaoyao Mall to expand in a short time.

I will make a profit within a few days and let everyone see the success of Xiaoyao Mall! Only with the foundation of the two major markets of China and India, I have the ability to expand to other countries in Southeast Asia."

"That's right. A population of more than 2.8 billion is naturally a lot!" Niu Ruzheng nodded. "But after that, how to deal with Pakistan's Xiaoyao Mall and the relationship between Pakistan and India, then we have to

You took a lot of trouble."

"There is no way. This is something that I, a businessman, should consider." Xiao Qidao, "Fortunately, we are foreigners to both of their countries. So when doing business, we just need to adhere to the advantages of honesty, low price and good quality."

"If we can adhere to this concept, at least within Asia, the development and growth of Xiaoyao Mall will be stable." Niu Ru said straightly.

Xiao Qi sighed: "Unfortunately, the business philosophy and methods in Europe and the United States are different from those in Asia. Moreover, it is too difficult for China's Internet service business to truly take root in Europe and the United States, otherwise it will be like Amazon.

In this way, it may not be impossible to build B2C trading websites all over the world."

"Don't be greedy when doing things." Niu Ruzheng warned: "No matter how you want to develop it in the future, you must take it step by step now, so that you can develop in the future."

"Yes." Xiao Qi responded with a smile.

"By the way, are your factories in Pakistan running well now?" Niu Ruzheng asked.

"Of course it's good. Seven or eight large and small factories have been opened there one after another, employing about 400,000 workers, and stimulating the industrial chain of about 10 million workers. This is great for both of us.

It's a very beneficial thing." Xiao Qidao said, "Last month their ambassador even made a special trip to Chengdu, hoping to bring in more Fairy Company parts factories!"

"That's good. Nowadays, the relocation of labor-intensive industries away from China is an irreversible trend. Instead of letting others take advantage, it is better to give it to Pakistan. At least we are good friends. The better they develop,

The more beneficial it is to us." Niu Ruzheng said.

Xiao Qi knew this very well.

In fact, in the past two years, with the efforts of the Chinese government, at least twenty or thirty labor-intensive industries have moved to Pakistan, which has solved a large number of employment problems for them and made their national economy a lot better.

"By the way, Uncle Niu, I'm coming to the capital this time. I still have something to ask you for help with, and it happens to be related to Xiaoyao Mall." Xiao Qi said seriously.

"Tell me something." Niu Ruzheng said calmly.

"It's like this, you know that our Xiaoyao Mall will enter the Indian market next month, and the thousands of daily commodity manufacturers we have contacted are almost in place." Xiao Qidao, "But there is a problem here, that

That is, they are generally not large in scale and have difficulty in working capital. But because they are not large in scale, banks cannot take care of them, so I wondered if there was a solution."

"Didn't the Central Bank specially approve more than 500 billion yuan as loans for small and medium-sized enterprises? Isn't it enough?" Niu Ruzheng asked.

"More than 500 billion yuan seems to be a lot, but if it is dispersed to hundreds of thousands of small and medium-sized factories in China, how much can each family get?" Xiao Qi said, "What's more, this is not an even distribution. The bigger the factory, the bigger the factory.

The more I get, most of the factories I'm looking for are small factories with less than 300 workers. It would be great to get a loan of 1 million yuan. But such a loan is okay for a while. If you want to expand production,

, then it’s a little bit beyond your capabilities.”

"The state can't spend more money to support them. After all, the major commercial banks have their own ideas." Niu Ruzheng said calmly.

Not only China, but commercial banks in every country like to lend money to big customers, so that they can be guaranteed and don't need to make complicated loans.

Therefore, in previous years in China, at least 60% of commercial loans exceeding 2 trillion yuan a year were given to major central enterprises and large state-owned enterprises, and 30% were given to large-scale and profitable food, real estate, steel, cement, etc.

Industry, only 10% is divided into small and medium-sized enterprises and factories.

This is also an important reason why in the past few years, when the financial crisis spread, small and medium-sized factories closed down one after another!

None of them have the ability to resist risks. If the market encounters a slight bad situation, they will directly tighten their capital chain. Once it breaks, how do you ask them to maintain production?

This life is different. As reminded by Xiao Qi, last year the Central Bank allocated more than 300 billion yuan to small and medium-sized factories, and this year it allocated more than 500 billion yuan to small and medium-sized enterprises. Generally speaking, it has alleviated the financial difficulties of many small and medium-sized enterprises.

Difficulty, but on the other hand, the number of orders received by small and medium-sized enterprises continues to decrease, leaving many small and medium-sized enterprises to just save their lives and unable to develop more production.

"I wonder if other commercial banks don't have enough loan lines for small and medium-sized factories, can Fairy Bank issue a loan to them?" Xiao Qi said, "First of all, Fairy Bank has too much precipitated funds, and it is a good idea not to go out.

Secondly, I only provide loans to small and medium-sized factories that have orders with Xiaoyao Mall, and the amount is not large. If they can get loans of millions or tens of millions, then they will have a lot of money to expand their production.

Boosting the operations of raw material companies has great benefits!"

Niu Ruzheng looked at Xiao Qi and laughed.

After wandering around for a long time, this kid finally revealed his purpose.

It turns out that he wanted to take the opportunity to expand the business of Fairy Bank.

The main business of Fairy Bank today is just to be bundled with WeChat Wallet, Xiaoyao Wallet, Zifubao, etc., and is responsible for the exchange of these online funds.

Although there are hundreds of billions of yuan flowing, the key is that these funds cannot bring large profits to Fairy Bank.

As a result, now that Shangri-La Community is on sale, Fairy Bank has forced the Capital City to agree to allow Fairy Bank to provide housing loans, which has increased some profits.

But for Fairy Bank, which has such a large business, all these profits can still be regarded as a drop in the bucket, not enough to make half a year's losses.

Niu Ruzheng had heard someone say that Fairy Bank's current net loss in half a year has reached more than 3 billion, which is the largest loss among all banks.

It seems that Xiao Qi is no longer stable now!

After thinking about it, Niu Ruzheng asked, "How much loan are you prepared to lend and how many small and medium-sized factories are you going to support?"

"It's not much, probably about 100 billion, involving more than 10,000 factories, of which factories with less than 300 employees account for the majority." Xiao Qi answered clearly.

"There are so many types of products in Xiaoyao Mall?"

"No, if a product sells well, then I will place orders with several other factories of the same type and ask them to make this product." Xiao Qi explained, "This can increase their responsibilities.

They can also supervise each other's quality, so that after a product is monopolized, production and quality control will gradually become less careful."

"That's right." Niu Ruzheng nodded, "This is the biggest problem with state-owned enterprises, so we intend to diversify their markets."

Xiao Qi held back his words. Even if a new company was launched, it would still be a state-owned enterprise, and there would still be many disadvantages!

But it wasn't Xiao Qi's turn to intervene, so he naturally didn't say anything.

After pondering for a while, Niu Ruzheng said: "Well, Xiaoyao Mall is about to enter India. This is also a good reason. I will ask the Central Bank for approval, but this fund can only be released to businesses related to Xiaoyao Mall.

Can our company or factory do it?"

"We guarantee that there will be no additional loans." Xiao Qidao said, "The main business of Fairy Bank will still be on online finance."

"That's good. It's not that Uncle Niu doesn't want to help you more. It's really that the opportunity has not come yet in the past two years." Niu Ruzheng said, "Let's wait another two years. It is estimated that by that time, private capital joint-stock banks will also provide

It’s on the agenda!”
Chapter completed!