Rebirth of financial migrant workers

Chapter 252: Another end to Comrade Xia’s dream of inclusive finance
Comrade Lao Jia's dream of building a car was officially announced four years later.

Then the capital chain broke and ultimately failed.

He is not the only one who has the romantic dream of building a car.

After parting ways with Lao Jia, Xu Belt, who was in full swing, also officially announced the development of new energy vehicles in 2019.

But until Wang Chunliang was reborn, this dream of building a car had burned tens of billions of yuan and still failed to take shape.

Therefore, it is still too early to invest in the electric vehicle field, but the power battery industry can be studied.

In my memory, Ningde Times seems to have been established in 2011
"Oh, what time is it? Comrade Xia, stop pestering Chunliang with questions and eat first!"

Sister Xia's order pulled Wang Chunliang out of his thoughts.

Xia Minghui stopped thinking about continuing with One Hundred Thousand Whys, picked up the wine glass, touched it with Wang Chunliang, and drank it all in one gulp.

Then, he frowned and smacked his lips:
"Why is this wine tasteless? What kind of wine is this? Didn't I prepare Maotai?"

The second young lady took the initiative to explain: "You just rushed to the bar at noon, so you can drink something low-alcohol in the evening, so that my sister and I can have a few drinks with you."

"Ha, it sounds like you care about me, but actually you feel sorry for Xiao Wang and don't want him to get drunk on Moutai, right?"

Xia Minghui looked at his daughter with a smile and joked.

Then, he patted his head and said:

"Oh, when I saw Manman, I suddenly remembered that the Qiongdao resort project that you and she worked on together, Xiao Wang, is making good progress now."

The second young lady puffed up her chest and proudly interjected:

"That's right, we'll be ready for trial opening in a few days, just in time for the May Day Golden Week."

"I haven't finished speaking yet. During this period, many people have been asking me about this project, and some have made direct offers to acquire it."

Xia Minghui gestured towards Wang Chunliang, "It's this amount, and the price is very impressive. So, Xiao Wang, what's your opinion?"

After seeing the price compared with the other party, it would be a lie to say that you are not attracted.

When I talked about technical investment, in fact I was completely empty-handed.

It has just been more than four months now, and after taking action, I can get so much money, and people feel a little elated for a while.

But working in a bank is better in this regard. You often deal with large amounts of money, so you have better immunity to money and are less likely to get carried away.

Wang Chunliang hesitated for less than two seconds and then said:

"I think we can wait a little longer. Now with that imperial edict, everyone is flocking to Qiongdao, and the land there has been sold to a high level, and tourism real estate is even more popular. It won't be long before the country is bound to issue Policies limit the number of admissions, so the project in our hands will definitely be a scarce resource in the market."

What Wang Chunliang said is true. In the previous life, due to various considerations such as environmental protection and price restrictions, Qiongdao not only tightened the rules on land transfer, but also stopped the approval of the resort project for a time.

"This is your and Manman's project, and all decisions will be made by you."

Xia Minghui nodded, and after having another drink with Wang Chunliang, he continued, "After talking about this, let's talk about the group's transformation."

Okay, after talking about it, it came back again.

Therefore, the success of every big businessman is not accidental.

Comrade Lao Xia's persistence and shameless persistence are worth learning from Wang Chunliang.

The two Xia sisters shook their heads one after another, gave up persuading, and each used their chopsticks to help the two people who were discussing business.

Xia Minghui ignored the food and continued the previous topic:
"Let's put aside the idea of ​​building a car for now. I have another idea, which is for the group to set up a financial company."

"Is it to separate the financing business and achieve refined management?" "This is just one aspect. Doesn't the country now intend to promote inclusive finance? You who are a bank should know this better than me. Inclusive finance Finance and inclusive finance are about involving all enterprises in society to create more loan and financing opportunities for the people. How about it, am I understanding it correctly?"

Wang Chunliang put down his chopsticks after hearing this and asked tentatively:

"Brother, you don't want to start a loan company, do you?"

Xia Minghui grinned: "That's right. This business market is huge, and it can provide a reservoir of funds for the group's main business, and it also responds to the country's call."

Unlike the other party's complacency, Wang Chunliang had reservations about this.

After the country launched inclusive financial policies in the previous life, banks and major enterprises all focused on the most profitable credit loans.

Small loan companies have sprung up like mushrooms after a rain, inducing people who don't need loans to consume in excess and become saddled with high debts.

Because of the emergence of small loan companies, bank staff have to spend several extra pages of blank paper when printing credit records for customers when applying for housing mortgage loans.

During this period, many real estate companies also participated, but the results were not ideal.

Qianda, a well-known real estate company, first established a financial group, and later launched small loan businesses such as Kuaiqiandai and Qiandadai.

However, it didn’t take long for Qianda Financial to run into trouble.

Online small loan licenses were canceled one after another, many of its small loan companies were dissolved, and the group eventually retreated across the board.

Wang Chunliang considered some words and said:
"Mr. Xia, financial companies can open, but small loan business should be done with caution.

Not to mention that if traditional real estate companies extend their hands to the financial industry, they will touch the cake of the traditional big guys in the financial circle, and they will be surrounded and suppressed by them.

Let me ask you a question first. What do you think of the current reputation of domestic real estate companies in society? "

Xia Minghui laughed out loud:
"Just kidding, in the eyes of the common people we are class enemies, and in the eyes of the media we are black-hearted businessmen, how can we even talk about reputation."

Wang Chunliang asked again:
"If the small loan business is promoted, ordinary people are induced to over-borrow, and eventually default on the loan and face summons and enforcement. In this case, what will people think of small loans?"

"Oh, that will definitely become the representative of 'extremely vicious' in the eyes of the common people."

Wang Chunliang nodded: "Well, by then Shuanghe Real Estate Group will have two 'evil' businesses in one, and the country will not be able to quell the public resentment unless it catches you and punishes you. Small loans can be done, and they are very marketable, but Dai Zui was born in The real estate business is not suitable.”

"This"

"At the beginning of the month, I checked the first quarter audit report of Shuanghe Real Estate, which showed that the group's parent company had very abundant cash on its books."

Xia Minghui raised his eyebrows slightly: "Yes, so we are eager to make plans for the next step. We can't just let the funds lie in the account waiting to collect interest, right?"

"Perhaps, we can set up an investment company to focus on foreign investment business."

"Investment company? Angel investor? They just invest and receive capital gains, and don't aim to bring the other party into the group's territory?"

Wang Chunliang nodded.

Xia Minghui narrowed his eyes and looked at Wang Chunliang. After a while, he said:

"This is a way. How about you follow me?"

　The reasons why Jia and Xu's dream of building a car have been in crisis many times actually come from many aspects.

　　This novel sets the protagonist's rebirth in 2019, so his knowledge of it is limited and cannot be consistent with us in 2024.

　　As for the small loan part that follows, some things are even harder to explain clearly.

　　Without a strong background, no one can reach out to two cakes at the same time.

　　
　
(End of this chapter)