"I am satisfied, but I always feel that your current state doesn't match the aura of state personnel!" Xiao Chen said: "Shouldn't your state agencies hold more meetings to study and discuss this? Why did you agree to increase the capital so quickly?"
"Make money! If I don't make money when I have it, would I be stupid?" Xue Linghua took out a name tag and handed it to Chen Chen. "Xiao Chen, let's get to know each other again. I'm the director of the Provincial State-owned Assets Supervision and Administration Commission. Uncle He asked me to come and see you!"
Chen Chen glanced at the business card and had it put away. He looked at Xue Linghua and asked, "Who is He Luobo?"
"Uncle He is not some He Luobo!" Xue Linghua said speechlessly: "He Guangya..."
"What!"
Chen Chen stood up angrily: "It's that damn old man again, shameless? What does he want to do? Damn... I have a problem with this old man!"
Xue Linghua waved her hand. "If you have any objections, go talk to him. It has nothing to do with me. Our State-owned Assets Supervision and Administration Commission has decided to increase its holdings in some commercial banks. It's not appropriate to hold 90% of the shares now!"
"That's nonsense! How can I hold 90% of the shares? There are still many other shareholders!" Chen Chen immediately ignored him and said, "Let's continue the meeting. Let's continue the meeting."
Xiao Chen didn't even look at Xue Linghua. This woman was actually He Guangya's person? Damn, the old man was really hiding it.
"Next, our bank's main business will be serving businesses. As for savings, we're a bit more relaxed. If we have them, we'll take them. If not, forget it!" Chen Chen said, "In the future, commercial banks will be planning to provide loans and corporate deposits to small and medium-sized enterprises. This is a big business. As for personal savings, raise the threshold for me. The specific plans are all in the proposal. Just look at how many people have already passed!"
This time, Chen Chen didn't even raise his hand and directly approved it. "Manager Hui, please proceed. I've reserved a piece of land in the city center where we'll build a supermarket and a flagship store for the Commercial Bank. You can handle the details on your own. I have one goal: it should be high-end and classy. People without money won't dare to enter. In the future, our Commercial Bank will only serve the wealthy!"
Chen Chen is like a snob and doesn't care about his own materialism.
Xue Linghua asked, "How will the bank make a profit in the future?"
"Handling fees, micro loans, and setting up an online bank!" Chen Chen said with a smile.
"Internet banking?"
"Yes, it's the kind where you can borrow money online. As long as you have your ID and social security card number, you can get a small consumer loan. Just apply online!" Chen Chen said.
It is still too advanced to engage in online lending now, and the technology is still not mature enough, but it can be done reluctantly. When smartphones appear in the future, they will quickly occupy the market.
Chen Chen can allow the current online lending sector to have bad debts and losses, mainly to make people accustomed to this loan model.
But now it has just been decided in a meeting. If we want to implement it in detail, we need to spend a lot of money. The first thing is the database and binding program!
"Commercial Bank's future goal is to make people proud to own a Qianlong Commercial Bank savings card. In the future, our savings cards will have the same functionality as the American Express Black Card. We'll be able to provide any service you need immediately. We want to be the American Express Black Card in China," Chen Chen said. "In the future, we'll allow our customers to travel the world with a single card. Of course, we'll start with one card that allows them to travel the world in Qianlong. This year is almost over, and with only a few months left, I'm asking Qianlong Bank to establish a series of partnerships with local high-end consumer venues. We'll clearly explain the benefits of using our cards to large depositors. We'll do the same thing as the American Express Black Card!"
There are people who specialize in the banking industry here. Zhang Ruhai and Hui Hongfang suddenly felt their scalps tingling!
They knew that Chen Chen had his own plan, but when he said this, it seemed too big.
"Young Boss, we're short-staffed!" Hui Hongfang said, "According to your plan, we'll need a lot of field staff and customer service staff..."
"Then go hire people! Are you afraid your bank won't be able to find people? This isn't a factory with a labor shortage," Chen Chen complained. "If you don't have enough people, then hire. In the future, aside from the loan department and savings business, all our core business will focus on increasing the value of savings cards. We need to make it clear that our Qianlong Commercial Bank silver card isn't easy to apply for. Having one embodies status and wealth. Of course, have someone redesign this card. Make it more impressive. The current one looks like something from a rural bank."
Xiao Chen took a sip of water while talking. He was exhausted. "That's it. Let's take it one step at a time and get all the departments ready. We're a private bank now, so we can be more flexible with our policies. We shouldn't copy those big state-owned banks and try to compete with them for market share in the markets they're targeting. That's not worth it!"
How can you rob them? They have the national credit endorsement and private banks cannot compare with them.
Xue Linghua then said, "Xiao Chen, commercial banks have now become private banks, and their credibility will be questioned by the market. It's likely that a large number of people will come to withdraw their money. Do you have any solutions?"
Very normal!
The disadvantage of private banks is that they will be questioned by savers. If you deposit your money in a commercial bank, does that mean it is deposited in Chen Fei's pocket?
You can’t get it back later!
"So I don't want to do savings business. It's too troublesome. But it's not good for a bank not to do savings business, so we just do business with rich people!" Chen Chen waved his hand and said, "The situation you mentioned doesn't matter!"
He was not surprised at all that someone like Guan Longhe was causing trouble for Chen Chen. He was unwilling to accept this and spread a rumor outside!
Everyone likes to hear and believe it, but if a bank run occurs, it will happen in a matter of minutes.
Chen Chen asked Lin Xiaoyu for the phone, and after answering it, he said, "Mr. Li, the money can be transferred. 30 billion, not a penny less."
Xue Linghua was stunned. After Chen Chen and Li Zhaoyang finished their phone call, she stared at Chen Chen intently: "30 billion in deposits?"
"Right!" Chen Chen said, "What's so surprising? I'm already prepared. Can I come and take over the bank?"
Once these 30 billion deposits are transferred to commercial banks, there is no need to worry about the deposit limit. They can easily deal with bank runs. As long as the money is on the books, it will be fine. Of course, they need to pay interest, but they can also use these 30 billion deposits to lend money.
As long as the funds flow, how can the bank lose money if it has capital?
So Xiao Chen doesn't care at all what those depositors think, and commercial banks don't have many depositors to begin with.
Continue read on readnovelmtl.com
