Rise of the 1630s South America

Chapter 2233 Industrial Support

"As a bank, the most important job is to decide who to provide credit to, how large the credit line should be, and what should be used as collateral." Qingdao Expo Avenue, the newly opened office of the Qingdao Branch of China Railway Bank, Qiang Xiaoman is speaking to a group of newly recruited employees.

As a small and weak bank, Southern Railway Bank has so far absorbed deposits of only a few million yuan, and most of them have been lent to the major shareholder, Southern Railway Company. The risk is relatively high, and it is also illegal to comply with the law.However, the banking supervision on the East Coast is just like that now, and the Banking Law is very sloppy, and there are many places that are not in place in the implementation, which has led to various chaos in the operation of commercial banks.

However, the system is not standardized, but it does not mean that the bank management is not vigilant.Taking Nantie Bank as an example, its major shareholder, Nantie Corporation, offered to reduce the proportion of financing in the bank to reduce operating risks, and in the future to lend more loans to companies such as the East Coast Power Company, BMW Bicycle Factory, and Guangming Lamp Factory ( Emerging enterprises such as the Bright Candle Factory of the former Baijia), Songhe Food Company, and even personal loans can be considered, as long as there is collateral-South Railway Bank is currently negotiating with Oleg Naryshkin , the purpose of the loan is to build a new Naryshkin Building in Luoyang Prefecture.

Qiang Xiaoman has now entrusted all the BMW bicycle factory to his eldest son to take care of, while he himself has devoted himself to the operation of Nantie Bank.Now the competition in the banking industry is too fierce. Needless to say, the three major banks, the Agricultural Bank of the East Coast, the United Industrial Credit Bank, and the Public Savings Bank, are hard to come by. Even the Qingdao Commercial Clearing Bank and the Bank of Taiwan—— In 1694, it began to officially enter the domestic financial industry. At present, it has established the first branch in Qingdao County-this type of professional bank is hard to match.Southern Railway Bank is really the lowest in the banking industry, ranking sixth and last!

Therefore, Southern Railway Bank is actually under a lot of pressure now, and everything has to be done carefully, even the recruitment and training of employees has to be done by the senior management.No way, who let the top graduates of Qingdao Finance Institute go to government departments or other major banks?Most of the students who come to Southern Railway Bank are some students with not very outstanding grades, that's all they can do.

"Credit is extended primarily on the basis of direct knowledge of the loan applicant, or evidence of his funds deposited in the bank, bonds or stocks he holds, etc. The value of bonds and stocks is published weekly, so you need to go to the exchange Do you know? You need to have a flexible, quick-witted mind, and a diligent work style. We are different from those big banks, and sometimes we need to discover some not-so-high-quality customers. For example, in many cases Now, a small merchant or small farmer, who has no other collateral than his shop or leased land, how shall we judge whether he is worth lending? There is only one way, that It is to deal with those potential customers for a long time, understand their business conditions, and then make judgments. We have only one way to go. It is generally difficult for branch managers of big banks to achieve in-depth contact with these small customers. Our opportunity That's it, and of course their opportunity - instead of going to small banks like ours, they're going to have to turn to nasty private lenders, because it's really hard for them to get enough money from the branches of the big banks. loan." Qiang Xiaoman said very carefully: "So, our bank doesn't need those bastards who sit in the office all day, what I need is you to discover potential customers, then go deep into their lives, understand their business conditions, Loans as accurately as possible. And once the performance is made, the bank will not hesitate to reward, and the relevant commissions and bonuses are clearly stipulated, which are very generous, and you should already know it very well.”

After saying this, Qiang Xiaoman let a group of employees leave his office, made himself a cup of coffee, and sighed heavily.To be honest, he already regrets coming to Qingdao to set up this sub-branch. It is really complicated and labor-intensive, but there are not many capable people around him who can command him, so that he has lost a lot of weight, which is really a big loss. .

But there is no way, at the beginning, I made up my mind to "be a good person", no longer be that financial broker who is easy to be looked down upon by others, and use up all the favors left by my father in the past.Therefore, no matter how difficult it is, he must persevere until he breaks through a new situation and surprises all those who despised him at the beginning.

It's just a matter of making up your mind, and when you actually start to do things, there will be one problem after another, which makes people tired of coping.Fortunately, Qiang Xiaoman had already accumulated a certain amount of experience when he was preparing a sub-branch in Shanghai County. Although the process was stumbling, the shelf was finally set up, and the sub-branch also entered a healthy operating track. It began to absorb social deposits and gave some enterprises and Shanghai The county government provided the loan.

This time the Qingdao Sub-branch was preparing, Qiang Xiaoman, as a shareholder and deputy general manager, once again went into battle and brought a few backbones to work.However, Qingdao is a financial center, with various banks gathering together, and the competition is extremely fierce, which is not as easy as Shanghai.Qiang Xiaoman struggled here for several months, and finally rented a house, recruited a group of newcomers for a rough training, and finally opened for business.

Facing the fierce competition in Qingdao Port, Qiang Xiaoman thought about it and decided that he could only send a large number of credit agents to small businesses or villages to see if there were any opportunities missed by the big banks.As for going to those big companies to compete with others, I’m sorry, he’s not that confident yet, so he negotiated a loan of 4 yuan with his old friend Liang Qiangdong for him to buy a batch of hardware products, mechanical parts and medicines , sold to the Free State.Other businesses, that is, some odds and ends, such as a locksmith with ten apprentices and helpers came to borrow 2000 yuan, and a jewelry craftsman came to loan 4000 yuan. Bar.

What makes Qiang Xiaoman even more troubled is that now the central government has issued a new policy, requiring banks to increase financing for domestic shipping companies, so that they can have money to place orders for shipyards to buy steamships—to be fair, in Shipping on the east coast actually makes a lot of money. The Nanhai Shipping Company makes a lot of money every year, but like most state-owned enterprises, they not only have to pay taxes, but also turn over their profits. As a result, they don’t have enough funds to update equipment and purchase new ships. They can only find banks to borrow money temporarily, which is also the helplessness of most state-owned enterprises.

Naturally, Nantie Bank also received a notice from the superior management agency (the State Administration of Precious Metals), asking them to provide a loan to Nanhai Transportation Company, and the interest rate should not be high.The specific amount will be determined by the Precious Metals Administration next week after detailed discussions with the branch.But no matter how much it is, it is always a negative thing for Southern Railway Bank, which has a small business volume, which makes Qiang Xiaoman very worried.He even felt a little bit regretful that Xu Xiangdong said that he would come to Qingdao Port to set up a bank. Wouldn’t it be good to develop in the south of the Song River? Everyone’s start there is not too far behind, and the Southern Railway Bank still has a chance. This time, I am completely myself!

But no matter how unhappy you have to implement it.Now the higher-ups are focused on expanding the number of steamships owned by the three major shipping companies (South China Sea Shipping Company, East African Shipping Company, and Messenger Liner Company, in order of priority), and have repeatedly emphasized the need to build more large ships and minimize the number of ships below 2000 tons.It goes without saying that the amount of funds needed is huge, and shipping companies alone cannot accomplish this. Therefore, banks are required to provide large amounts of low-interest loans to help them complete the replacement of ships.As for the replacement sailing boat or motor sailing boat, it will be auctioned openly, and the one with the highest price will get it. The person who bought it in the early stage must be a national of the east coast.

From this perspective, the government's support for shipping companies is very strong.The upper echelon has fully realized that the transportation business is the most important business on the east coast, especially the maritime transportation business, which is even more meaningful to the east coast, which is based on seafaring.Only by maintaining a large-scale steam ship transportation team, can the rapid transportation of troops, materials, and commodities abroad become a reality and bring more benefits to the country.

Of course, the development of the steamship team also has a hidden purpose, which is to prepare for a war that may break out within a few years.To put it bluntly, it was an advance preparation for projecting troops and supplies.Otherwise, if there is a strong production capacity and elite troops in the air, but it cannot be transported to the front line on a large scale and in a timely manner, what is the difference between that and no?The other meaning, which can only be understood but cannot be expressed in words, is that once the people on the east coast seized large tracts of land in the two viceroyalties of Peru and New Spain after the war, the large number of Indians and Mestizos living there would definitely is to be processed.According to the consistent policy of the East Coast, they will all be shipped to the overseas colonies-mainly the yellow-black dividing line in southern Africa-and this is not feasible without a large steamer fleet.After all, sailing ships have too many limitations, too slow speed, and too small tonnage. If they are used for transportation, they will be transported until the year of the monkey?

Therefore, the significance of developing the ocean shipping business is far from being as simple as it seems on the surface.These maritime transportation capabilities can contribute to economic construction in peacetime, and can increase the overseas projection power of the east coast army when requisitioned in wartime, making trans-oceanic attacks possible, which can be said to have a lot of effects.So you can now understand why the upper echelon of the government asked commercial banks to open their pockets and lend large sums of money to shipping companies.

(End of this chapter)