Chapter 2296： Adjustment

Chapter 2296 Adjustment

In fact, the bad debt rate is something that is known to individuals in China, and it is inevitable.

To say that this pot has made private enterprises bear the blame, and private enterprises can die unjustly.

Not to mention how difficult it is for private enterprises to get loans from banks, even if they get private enterprises, they do not have the ability to have bad debts.

"Mr. Zhang, isn't this a bit absolute? Does it mean that there are no private enterprises that can get loans from banks?" Mr. Huang asked in disbelief.

Zhang Weiyi smiled and said: "Of course, some people with backgrounds and even some high-quality companies are not impossible to get loans from banks. For example, Huaqing Holding Group has the ability to get loans from banks. loan."

Jiang Xiaobai also smiled and nodded. Indeed, Huaqing Holding Group and other top private enterprises and leading enterprises in the industry still have the ability to obtain loans from banks.

Just talking about this, Zhang Weiyi changed his voice and said, "But private enterprises don't have the ability to bad debts?"

Mr. Huang frowned. Isn't this self-contradictory? Since companies can get loans from banks, they have the ability to have bad debts, how could they not.

Zhang Weiyi and Jiang Xiaobai looked at each other, this is the national conditions, Mr. Huang seems incredible, but it is very popular in China.

Zhang Weiyi took a deep breath and said, "Because in China, unless the debt is wiped out, otherwise, whether it's your business bankruptcy or your business, as long as you are still there, the debt is there."

Mr. Huang was immediately stunned, and after a long while he asked, "No, is there no bankruptcy law in China?"

"Yes." Jiang Xiaobai replied affirmatively: "There were some a few years ago, but it's useless, and it's impossible for you to go bankrupt."

This is a problem in the historical period. The bankruptcy of companies was only officially implemented after entering the 21st century, although there were also corporate bankruptcy laws before the millennium.

But no one takes it seriously at all. In fact, economic activities often precede the law.

The lag of the law is inevitable. Every time a new thing appears, there will always be a period of adaptation, a period of savage growth, and then the relevant regulations and systems can be perfected.

This is a normal thing.

And now the private enterprises are like this. In the past few decades, the country was a planned economy, and individuals were not allowed to do business.

State-owned enterprises are iron rice bowls. As long as you exist, you can purchase and plan, and you can arrange.

So this bankruptcy law is useless at all, and there is no such law, just like after insurance, there was no such thing in the country at all, and everyone was sick and so on. What kind of insurance do you buy.

There is no such market at all.

All of these are the products that appeared after the planned economy was completely transformed into a market economy.

The bankruptcy law is also something that has been delayed, but there is still local protectionism. If you want to go bankrupt, you have to see if they agree or not.

So bankruptcy is something that many people in China don't need to say to do, just haven't heard of it.

Death debts are eliminated, and even death debts are not eliminated. There are many things that fathers and sons repay. If you still want the company to go bankrupt, it is impossible to repay the money.

Therefore, it is a bit ridiculous to put the bad debt rate of banks on the heads of private enterprises.

Mr. Huang finally understood, but he didn't respond for a long time. He had to digest the news. If Jiang Xiaobai and Zhang Weiyi said this, then the plan made by Huahua Bank would have to be adjusted.

If the bad debt rate of private enterprises is not high, then the loan business of small and medium enterprises is also a good choice.

After all, many companies in this part are still very high-quality, and they are developing very fast. Not to mention other companies like Huaqing Holding Group, they all grow and develop with the domestic spring breeze.

Now is a golden age for the rise of small and medium-sized enterprises in China. If you enter this market at this time, the future Huahua Bank can take the opportunity to contact a lot of business.

and will expand their business with the growth of these small and medium-sized enterprises.

Jiang Xiaobai and Zhang Weiyi did not urge Mr. Huang, and gave Mr. Huang time to think about this matter carefully.

"Jiang Dong, if this is the case, we have to re-plan, re-collect data, and re-determine the main business in the future." Mr. Huang said without asking Jiang Xiaobai to wait.

Jiang Xiaobai waved his hand: "Well, I'm just going to take you to the capital, you organize an inspection team, sitting here in Xiangjiang to collect information is like talking on paper.

Bring an inspection team to personally go to the country to have a look at the lending business and customer services of various banks, as well as small and medium-sized enterprises at the grass-roots level.

There is a saying that what you get on paper is shallow, you never know that you have to do it, and it is better to see it on the ground than anything else, and there will be no such oolong things again. "

Jiang Xiaobai said, Mr. Huang blushed, it is true that he made a big joke this time, but he did not know much about the country.

Since he started working, he has worked in a bank in Ouzhou. Later, after getting to know Jiang Xiaobai, he was arranged by Jiang Xiaobai to work as a flower bank at Mosco.

has always been in banking business, and he is probably more familiar with the situation in Auzhou than in the southeast of Xiangjiang.

If I go to the mainland, I haven't been there a few times in total. What I know about the country is all from my contact with Jiang Xiaobai and others, and the news in the newspapers.

There is no on-the-spot to understand the current development and actual situation in China.

"Okay Director Jiang, I'll prepare, as the bank doesn't have a lot of work right now, I'll organize and arrange five inspection teams, each of which will be led by high-level leaders and go deep into the lowest places in the country.

Really understand the current situation in China. "

Mr. Huang is also a person who knows his mistakes and can correct them, and made arrangements immediately.

Jiang Xiaobai smiled and nodded. If you want to do business in China, you always have to understand it first. It's just talk on paper, not based on the actual situation.

This is also the most likely situation after many companies enter other countries, the problem of acclimatization.

(end of this chapter)