"As a bank, its most important job is to decide who to provide credit to, how large the credit limit should be, and what should be used as collateral." In the office of the newly opened Qingdao Branch of the Nan Railway Bank, Qiang Xiaoman is giving a lecture to a group of newly recruited employees.

As a small bank with weak strength, the deposits that Nantec Bank has absorbed so far are only a few million yuan, and most of them have been loaned to the major shareholder Nantec Corporation. The risk is relatively high and logically non-compliant. However, the East Coast Bank supervision is now just like that, and the Banking Law is even more rough and there are many inadequate implementation, which has led to various chaos in commercial banks when operating.

However, the irregular system does not mean that the bank management is not vigilant. Taking Nanhai Railway Bank as an example, its major shareholder Nanhai Railway Company has actively proposed to reduce the financing ratio in the bank to reduce operating risks. In the future, more loans will be loaned to emerging enterprises such as East Coast Power Company, BMW Bicycle Factory, Guangming Lamp Factory (formerly Baijia’s Guangming Candle Factory), Songhe Food Company, and even personal loans can be considered. As long as there is a collateral, Nanhai Railway Bank is currently negotiating with Oleg Nareshkin, and the purpose of the loan is to build a new Nareshkin Building in Luoyang Prefecture.

Qiang Xiaoman has now entrusted all the BMW bicycle factory to his eldest son to manage, while he himself devoted himself to the operation of Nantec Bank. The competition in the banking industry is really too fierce. Needless to mention several major banks, the three giants of East Coast Agricultural Bank, United Industrial Credit Bank, and Volkswagen Savings Bank are hard to match. Even Qingdao Commercial Clearing Bank and Taiwan Bank, which officially entered the domestic financial industry in 1694, has now planned the first branch in Qingdao County, and is difficult to compare with this type of professional banking banking. Nantec Bank is really the last in the banking industry, ranking sixth and last!

Therefore, Nantec Bank is under great pressure now. Everything has to be cautious. Even senior management has to experience and do things like recruiting and training employees. There is no way, who has asked the top graduates from Qingdao Finance Institute to go to government departments or other major banks? Most of the people who come to Nantec Bank are students with poor grades, so that is the only way.

"The main basis for issuing credit is to have a direct understanding of the loan applicant, or based on the funds he deposited into the bank, the bonds or stocks he holds as a certificate. The value of bonds and stocks is announced every week, so you need to go to the exchange to read more and go more, do you know? In addition, you need to have a flexible, clever mind, and a diligent style of doing things. We are different from those big banks, and sometimes we need to discover some less quality customers. For example, in many cases, small merchants or small-scale farmers, who have no other collateral except their own shops or land they leased, so how can we judge whether this person is worth lending? There is only one way, that is, deal with potential customers for a long time, understand their business conditions, and make a judgment

We only have this way to go. Branch managers of large banks generally find it difficult to get in-depth contact with these small customers. Our opportunity lies in this, of course their opportunity lies in this - if we don't ask for loans to small banks like us, they can only ask for help from those vicious private lenders, because it is really difficult for them to get enough loans from branches of large banks." Qiang Xiaoman said very carefully: "So, our banks do not need those bastards who sit in the office all day. What I need is that you discover potential customers, then go deep into their lives, understand their operating conditions, and lend as accurately as possible. Once you make achievements, the bank will also give you rewards. The relevant commissions and bonuses are clearly stipulated, which is very generous. You should all know it very well."

After saying this, Qiang Xiaoman asked a group of employees to leave his office, then made a cup of coffee for himself, and sighed heavily. To be honest, he now regretted coming to Qingdao to run this branch. It was really complicated and laborious, but there were not many capable people around him to use it, so he lost a lot, which was really a big loss.

But there was no way. He made up his mind to be a good person and no longer became a financial broker who was easily discredited, and used up all the favors left by his father back then. Therefore, no matter how difficult it was, he had to persevere until he broke into a new situation, which surprised everyone who despised him at the time.

But he was determined to make a good decision. When he actually did things, he would have problems one by one, which made people tired of dealing with them. Fortunately, when he was planning a branch in Shanghai County, Qiang Xiaoman had accumulated some experience. Although the process was bumpy, he finally stood up. The branch also entered a healthy operation track, began to absorb social deposits, and loaned money to some enterprises and the Shanghai County Government.

This time, when Qingdao branch was preparing, Qiang Xiaoman, as the shareholder and deputy general manager, once again took the initiative and started working with a few backbone. However, Qingdao is a financial center, with various banks gathering in the crowds, and the competition is extremely fierce, not as easy as Shanghai. Qiang Xiaoman has been struggling here for several months, and finally rented a house, recruited a group of newcomers for rough training, and finally opened a good start.

Faced with the fierce competition situation in Qingdao Port, Qiang Xiaoman thought about it and felt that he could only send a large number of credit salesmen to go deep into various small businesses or rural areas to see if there were any opportunities left out by big banks. As for those big enterprises and people, I’m sorry, he didn’t have the confidence yet, so he had negotiated a loan of 40,000 yuan with his old friend Liang Qiangdong to buy a batch of hardware products, mechanical parts and medicines, and sell it to Liberation Bank. Other businesses are just fragmentary things, such as a locksmith with ten apprentices and helpers who came to borrow 2,000 yuan, and a jewelry craftsman came to borrow 4,000 yuan. The scale was not large, so I can only say that it was better than nothing.

What made Qiang Xiaoman even more troubled was that the central government has now issued a new policy requiring banks to increase financing for domestic shipping companies so that they can place orders for shipyards to buy steamships. To be fair, shipping on the East Coast is actually very profitable, and South China Sea transportation companies have high profits every year, but like most state-owned enterprises, they not only have to pay taxes, but also pay profits, resulting in the renewal of equipment and the purchase of new ships, and they can only borrow money from banks temporarily. This is also the helplessness of most state-owned enterprises.

Nantec Bank naturally received a notice from the superior management agency (State Administration of Precious Metals), asking them to take out a sum of money to loan it to Nanshi Transportation Company, and the interest rate cannot be high. The specific amount will be sent to the State Administration of Precious Metals Management next week and then determine the specific amount. But no matter how much, it is always a negative thing for Nantec Bank, which has a small business volume, which makes Qiang Xiaoman very worried. He even regretted and urged Xu Xiangdong to come to Qingdao Port Distribution Bank. Isn’t it good to develop well south of Songhe? Everyone’s start is not too different. Nantec Bank still has a try, and this time it is all about being himself!

But no matter how unhappy it is, it must be implemented. Now the top priority is to expand the steamship ownership of the three major shipping companies (South China Sea Transportation Company, East Africa Transportation Company, and messenger liner company, rankings) and repeatedly emphasize that more large ships should be built, and as little as possible for less than 2,000 tons. It is unknown how large the amount of funds required is that the shipping companies themselves cannot complete it, so banks need to provide large low-interest loans to help them complete the renewal of ships. As for the sailing ships or sailing ships that are replaced, they will be auctioned publicly. The higher the price will be. The person who bought them in the early stage must be a national of the East Coast.

From this perspective, the government has very strong support for shipping companies. The upper class has fully realized that transportation is the most important undertaking on the east coast now, especially the maritime transportation industry. For the east coast, which is based on navigation, it has a higher significance. Only by maintaining a large-scale steamship transportation team, can it quickly transport troops, materials and goods to the outside world become a reality and bring more benefits to the country.

Of course, there is another hidden intention to develop the steamship team, that is, to prepare for wars that may break out in several years. To put it bluntly, it is a pre-emptive preparation for projecting troops and materials. Otherwise, if you have strong production capacity and elite troops, but cannot transport them to the front line in large scale and timely, what is the difference between it and not? And the other layer can only be understood and not expressed in words, once the East Coast people seized a large tract of land in Peru, the two major governors of New Spain, and the Mestiso people who lived there will definitely be dealt with. According to the consistent policy of the East Coast, they will be transported to overseas colonies - mainly the yellow and black dividing line of southern Africa - and this is not feasible without a large-scale steamship transport team. After all, sailing ships are too limited, too slow, and too small tonnage. They are transported to the Year of the Monkey and Horse Month?

Therefore, the significance of developing ocean transportation is far less simple than it seems on the surface. These maritime transportation capacity can contribute to economic construction in normal times, and when it is requisitioned during wartime, it can increase the overseas projection power of the East Coast army, making cross-ocean attacks possible, which can be said to have many effects. So now you can understand the reason why the government's upper-level government requires commercial banks to open their wallets and lend large sums to shipping companies.
Chapter completed!