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Chapter 818 Opening a Bank (Fifth update completed)

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    Zhong Yi chuckled and said, "Actually, we have a third option!"

    "The third option?" Li Qimo's pupils shrank slightly when he heard this, and he said in a deep voice, "What do you want to do?"

    Commodus and Mayosey's eyes also fell on Zhong Yi's hand, or more precisely, on the Browning pistol held by Zhong Yi.

    Zhong Yi put away his pistol and said with a smile: "Ministers, please don't get me wrong, I won't kill you."

    After a pause, he said to Li Qimo: "Even just now, I was just joking with Minister Li Qimo. In any case, the three of you are diplomats and enjoy the power of diplomatic pardon. It is impossible for me to attack anyone."  He attacked you."

    Kang Maode, Joseph Mathew, and Li Qimo were immediately confused by Zhong Yi's soft and hard tactics, leaving her husband King Kong scratching his head.

    However, Commodus suspected that what Zhong Yi said at the moment was probably false. His harsh words before showed his true nature. He had no doubt that if they were engaged in the opium trade again, this guy would secretly kill the three of them, and  The case will be made flawless and no flaws can be found.

    At that moment, Commodus said: "Your Excellency, Mayor, what do you mean?"

    "Yes." Joseph Mathew also frowned and said, "What exactly is the third option you are talking about?"

    "It's very simple. Let's cooperate and make a fortune together." Zhong Yi spread his hands and said, "The reason why you risked your reputation and smuggled opium with Chen Jinmu was just to make money? What if there was a better way to make money?  , and you don¡¯t have to risk your reputation, and you don¡¯t have to bear the shackles of conscience and morality, why not?¡±

    Commodus was stunned: "Oh Tefak, can there be anything more profitable than smuggling opium?"

    Joseph Mathew said: "And it's a legitimate business? No need to risk your reputation?"

    Li Qimo also said: "And this is a win-win business and is also good for the Chinese people? So we don't have to bear the shackles of conscience and morality?"

    "All hits!" Zhong Yi smiled, "That's it."

    Commodus took a deep breath and said urgently: "Your Excellency, Mayor, stop being so pretentious. What kind of business is this?"

    "Finance!" Zhong Yi stopped trying to be mysterious and directly revealed the answer, "To be more specific, it is to open a bank!"

    "It turned out that I was talking about opening a bank." Richmore, Commodus and Joseph Mathew were stunned at first, and then looked disappointed again.

    Li Qimo shook his head and said: "It is indeed easier to make money in the financial industry than to smuggle opium, but having said that, it is not that easy to work in the financial industry, especially opening a bank, it is even more difficult!"

    Commodus also said: "Opening a bank is really not that easy. The system, location, management personnel, and even capital are all easy to solve, but the business, especially the lending business, is not so easy to develop!"

    Joseph Mathew also said: "Yes, if the lending conditions are too loose, it will be difficult to recover the funds, and it will easily lead to a large number of bad debts and bad debts. But if the restrictions are too strict, it will be difficult to get lending business, especially now with the Sino-Japanese War."  The boom has caused all industries in Jiangsu and Zhejiang to decline, making it even more difficult to carry out lending business!"

    Zhong Yi shook his head and said, "My opinion is exactly the opposite of yours!"

    "Crisis, crisis, there are opportunities in crises!" After saying this, he said, "If you think about it carefully, is it really the war that caused the decline of all industries in Jiangsu and Zhejiang?"

    Joseph MacDonald and Li Qimo said with blank faces: "Isn't it?"

    Kang Maode frowned and said: "Academically speaking, the reason for the decline of all industries in Jiangsu and Zhejiang is really not the war, but the interruption of business routes caused by the war, and the loss of confidence of the banking industry in the business environment of Jiangsu and Zhejiang, especially the latter  , the hardest blow to Jiangsu and Zhejiang¡¯s industry and commerce, even greater than the war itself!¡±

    "Good!" Zhong Yi couldn't help but give Commodus a thumbs up.

    It seems that Commodus understands political economy, so he knows the reason.

    "But Li Qimo and Joseph Mathew were still confused and couldn't figure out the reason.

    Commodus gave an example and said to the two of them: "Shanghai, for example, was indeed affected by the war in the second half of last year, but it was not affected by the war throughout this year, right?"

    "Yes." Richmore and Joseph Macnoded at the same time.

    Kang Maode added: "Shanghai has a population of more than four million. The food, drink and diarrhea of ??more than four million people is a big market in itself, right?"

    "Yes, that's right." Li Qimo and ??Joseph nodded again.

    Kang Maode added: "Shanghai is not short of funds, right?"

    "Of course there is no shortage." Li Qimo and Joseph Macho shook their heads at the same time, "Not to mention the local consortiums in Jiangsu and Zhejiang, Citibank and UBS both have branches in Shanghai, how can they be short of funds?"

    Kang Maode added: "Shanghai has no shortage of factories. From hardware, chemicals, textiles, pharmaceuticals, food processing to heavy industry, all the industrial categories that should be covered are basically available, right?"

    "That's right." Li Qimo and Joseph May nodded again, "Shanghai's industrial categories are very complete. Even though a considerable number of factories responded to the National Government's call and relocated to the rear, there are even more factories that stayed in the concession!"

    "Then here's the question." Commodus spread his hands and continued, "Shanghai has a market, production capacity, and funds, so why are all industries still in decline?"

    "This market is false!" Li Qimo said, "The four million Chinese refugees hiding in the Shanghai Concession are penniless and have no purchasing power at all!"

    "I'm afraid that's not the case." Commodus shook his head and said, "As long as the factories in the concession open, there will be a large number of jobs. With jobs, the four million Chinese refugees in the Shanghai concession will have income and purchasing power.  Wouldn¡¯t a huge market with a population of more than four million appear?¡±

    "Hey, it's really true." Li Qimo scratched his head and said, "What's the reason for this?"

    Commodus said: "The reason is that because of the war, the banking industry has lost confidence in Shanghai's business environment and is no longer willing to lend funds to industrial and commercial owners. Industrial and commercial owners have no principal and cannot purchase raw materials or recruit workers.  Resumption of production has led to the decline of all industries!"

    "To put it bluntly, it means a lack of confidence in the future of China or Jiangsu and Zhejiang." Zhong Yi said, "But it is precisely because these bankers lack confidence in China's future that a market vacuum will appear, and new banks will  There will be opportunities, otherwise how can newly established banks compete with banking giants such as Citigroup and HSBC?"

    Kang Maode said: "That's what I say, but doing finance is not doing charity. With the current situation in China, others really can't have confidence in him." (Remember the website address: www.hlnovel.com
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