Chapter 2295： Oolong

Chapter 2295 Oolong

Jiang Xiaobai looked at the information collected by Mr. Huang. Zhang Weiyi had already talked with some senior staff of Huahua Bank. Zhang Weiyi was the person in charge of Huahua Bank, so he was very familiar with them.

Now that we are talking, there is nothing strange about it.

After reading it, Jiang Xiaobai put down the information in his hand, and Zhang Weiyi also stopped asking. After the meeting room was quiet, Jiang Xiaobai looked at Mr. Huang and asked, "That means you are still very optimistic about the mainland market, right?" Nodding Mr. Huang affirmatively: "Yes, Jiang Dong, we are optimistic about the mainland market. If we can enter the mainland market, it will be a great supplement to the development of our flower bank."

Jiang Xiaobai nodded: "Yes, but your main business, do you add loan services for small and medium enterprises?

I mentioned this before..."

Jiang Xiaobai paused as he spoke, and looked at Mr. Huang. Jiang Xiaobai had mentioned to Mr. Huang about the business after Huahua Bank entered the country.

That is, the main business is on loans to 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.

"Yes, Lao Huang, didn't I talk to you about this 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 bitterly when he heard the words, took out a document and handed it to Jiang Xiaobai and Zhang Weiyi.

"Dong Jiang, President Zhang, I have considered the loan business of small and medium-sized enterprises that you mentioned, and I have also conducted a detailed investigation. Here is the information, you can take a look first."

Jiang Xiaobai took it over and took a look. This is the bad debt rate generated by a few banks in Modu and Yangcheng and several other cities after lending to small and medium-sized enterprises.

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

Got some numbers and fined small and medium-sized enterprises. His bad debt rate is too high. The bad debt rate of this part can even reach 7% or more, or even better.

As for the normal credit of Huahua Bank, if the bad debt rate exceeds 1%, it is considered high, so this aspect makes Mr. Huang very worried.

Zhang Weiyi became more and more frightened as he looked at it. The bad debt rate of several percent seemed to be indifferent.

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

These loans are not medium and long-term loans, but short-term loans. If you recover the loan, you won’t make much money on the interest, but if you can’t recover a loan, you will lose a lot of money.

"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.

"Yes, yes, the bad debt rate is indeed very high, and even in some small places, the bad debt rate is even doubled." Jiang Xiaobai said.

These data should have been obtained by Mr. Huang from some sources through his own relationships. This is not data that involves confidentiality, but is just a general statistic, which is known to many people in the industry.

does not involve the secrets of depositors.

"But you have made a mistake, that is, the companies listed in this data are 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 by individuals, and many times it is simply high.

For some state-owned enterprises, they simply do not have the ability to repay the loan, and it is only the local government who comes forward to help guarantee the money to get the money.

It is indeed difficult for the bank to recover the loan of this state-owned enterprise, and it is still not able to seal up other people's enterprises and auction other people's things.

Just kidding, other people's state-owned enterprises are not able to survive, you go and try, just give the workers a place to eat.

Everyone knows that loans from state-owned enterprises are a confused account. As long as they are brought to state-owned enterprises, there is no need to expect them to be recovered in many cases.

But if you say you won’t give a loan, sometimes there’s really no way to do it. The place looks for you every day, and it won’t work if you don’t give a loan. This is the case in every place. What if you don’t give a loan?

Anyway, it’s just a confused account, the meat is rotten in the pot, so many times I don’t care about it.

Of course, there are others who got loans because of personal relationships. Anyway, things here are very complicated, and this cannot be explained clearly in two sentences.

is not something Jiang Xiaobai wants to manage, as long as he manages the flower bank well.

After Jiang Xiaobai's reminder, Zhang Weiyi immediately understood: "Old Huang, this information you collected is the data that the bank brought to the state-owned enterprise?"

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

He has heard of the difference between state-owned enterprises and private enterprises in this country, but he does not know the specific difference. Isn't this the difference between state-run and private enterprises?

All loans are given by banks. Is there any difference? Anyway, the bad debt rate remains high, and this data is placed there.

Jiang Xiaobai saw that Mr. Huang was still confused, and knew that Mr. Huang didn't understand the key to the matter at all.

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

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

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

(end of this chapter)