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Hantang Bank

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    ??

    Yi Xiaohai can stay at school and enjoy campus life with peace of mind, thanks to the company's current stability.

    Yi's Resort Hotel is Yi Xiaohai's earliest physical industry, and its expansion is the most stable.

    The No. 2 store in Modu and the No. 2 store in Yanjing have both opened. The No. 3 and No. 4 stores in the two cities have entered the stage of demolition and renovation at the same time and will be completed soon. The No. 5 store is under preparation.

    ??Modu and Yanjing are the two most important markets of the hotel. They both plan to open 5 stores, which is enough to cover the current core regional market.

    Hangcheng No. 2 and No. 3 stores are about to be completed and put into use. The subsequent plans must be combined with the planning of West Lake to select a more suitable location.

    The first store in Jinmen is also opening, and the second store is in preparation.

    Pengcheng, Yangcheng and Rongcheng in the south are currently progressing relatively slowly and will not be put into use until November at the earliest.

    At present, in the eastern coastal area, all major cities are basically saturated, and Yishi Resort Hotel can maintain its current scale in the next 5-8 years.

    As the holding company of the hotel, the next task of Hantang Hotel Management Company is to create a diversified hotel group group and refine the market.

    Natural scenery hotels, B&Bs, theme hotels, specialty hot spring hotels, high-end business hotels, international brand exclusive hotels, international boutique hotels, etc. are all things that Han and Tang Hotels need to plan carefully.

    ¡°However, these plans are a long-term process, and the current hotel industry market cannot accommodate so many hotels.

    In addition to Hantang Hotel Management Company, Jingnan Group is also expanding rapidly.

    With the acquisition of Huajian, Baixing Supermarket has become the leader in the retail industry in Nanjiang. It has now surpassed the development around Nanjiang, including Lu Province in the north, Anhui Province in the west, and Magic City and Zhejiang Province in the south.

    Within this year, we should be able to establish more than 8 stores in other provinces, laying the foundation for Baixin Supermarket to expand beyond Nanjiang.

    The work of investment in Han and Tang Dynasties was relatively smooth.

    Financial investment is not very common at present. Only big cities have the soil for development. There are six companies in Yanjing, Magic City, Jinling, Hangcheng, Yangcheng and Pengcheng, which are basically enough.

    Yi Xiaohai¡¯s industries are basically developing step by step. There are no special circumstances and it doesn¡¯t need to worry too much.

    What he needs to worry about most now is the bank.

    The Rural Credit Commercial Cooperative has been investigating Jiang Shigui and the bonds for a long time, and it was officially handed over to Yi Xiaohai in July.

    The bank has officially been renamed Hantang Bank. Chen Hongtao spent two months sorting it out. During this period, the bank only handled deposits and withdrawals.

    Now that the work has been smoothed out, the loan business can be launched.

    Yi Xiaohai received a call from Chen Hongtao and came over specially.

    The bank¡¯s rectification mainly focuses on three things, management, personnel and business.

    Because there are a large number of related households who are working temporarily but not doing anything and earning high wages every month, Chen Hongtao has cleared them all according to Yi Xiaohai's instructions.

    Those remaining employees, plus the recruited employees, will be reassigned to various positions after training and screening.

    Overall, the bank has a completely new look.

    In terms of management system, the standards of the four major state-owned banks are currently mainly used, and adjustments will be slowly made in future work.

    Now comes the business aspect, which needs to be controlled by Yi Xiaohai.

    The Rural Credit Commercial Cooperative originally had few stores, and some stores have been closed. Currently, only the business hall downstairs of the headquarters remains.

    Whether the business will run steadily or flourish is not something Chen Hongtao can decide.

    "How much money is there in the book?"

    "Brother Zhao made a withdrawal of 1.5 billion from the general account of Hantang Bank in Xiangdao. He said that it would be enough to cover the city and county-level administrative areas of Jinling."

    Yi Xiaohai wants to say that it is enough to cover the whole province.

    There are 19 county-level cities, 20 counties, 60 municipal districts, and 99 county-level units in Nanjiang Province.

    Divided evenly, each county-level branch has a reserve fund of 120 million. According to the fund allocation, each branch can absorb more than 1.2 billion in deposits, 90% of which is used for lending.

    It can be said that if the Han and Tang Dynasties had enough manpower, they could start to expand immediately.

    ¡°However, it is easy to build an outlet but difficult to conduct business.

    "There are too many bank branches, the business is even less efficient, and the business department is suffering from long-term losses, which is not a solution.

    ? 1 outlet loses 1 million yuan in one month, 100 stores lose 100 million yuan, and lose 1.2 billion yuan in a year.

    If it expands to half of the provinces in the country, the annual losses will reach 15 billion. Even the Han and Tang Dynasties cannot afford such spending.

    So, how?How to control the number and location of business halls is a problem.

    The outlets must cover the 7 municipal districts in Jinling City. The following counties are currently not necessary.

    ????????????????????????????? However, there are many companies in Qing¡¯an that can open their businesses in advance. If we calculate this, 8 business halls will be enough.

    Jinling is Yi Xiaohai¡¯s base camp. Eight business halls are enough. Other prefecture-level cities in Nanjiang only need to establish secondary branches for the time being to ensure the normal development of business.

    County-level cities choose a few strong ones, so 16 branches are needed outside of Jinling.

    "If we start building 16 branches and 8 outlets at the same time, will there be enough manpower?"

    "It's definitely not enough, but the branch preparation process takes time. During this time, there should be enough time for recruitment and training."

    Yi Xiaohai thought for a while and overturned his decision.

    "Weiyang and Runzhou around Jinling, as well as Gusu, Xinwu and Zhongwu. These five branches will be established first. Try to use trustworthy brothers to take charge. The branches will first cover five core urban areas, and the remaining three will be continued after they are stable.  "

    Banks are different from hotels. Even if there are any problems in the hotel, the most likely result is that customers are dissatisfied with the service, or have a bad reputation, or internal corruption occurs, and the impact will not be too great.

    If something goes wrong in the bank, it might be a big deal worth hundreds or tens of millions. Without someone he trusts to take charge, Yi Xiaohai is still a little worried.

    Chen Hongtao agrees with his decision.

    The bank involves issues such as customer deposits and privacy. If a responsible person with evil intentions is appointed, the consequences will be endless.

    The scope of Hantang Bank¡¯s outlets has been determined, and its business scope also needs to have a definite direction.

    Banks¡¯ profits mainly come from two sources, interest income and non-interest income.

    Interest rate spread income is the difference between loan interest income and deposit interest payments. It is also the main source of income for domestic banks.

    Non-interest spread income is generated through intermediary businesses, such as card business, fund certification business, agency funds, insurance, third-party custody, etc.

    Domestic banks have a very large proportion of interest rate income, but the opposite is true for foreign banks. Their non-interest rate income accounts for a larger proportion of income.

    From the perspective of risk control and operating conditions, domestic banks have relatively small risks, but their income is rigid. Foreign income is diversified, but the risks are difficult to control.

    ¡°And there is no concept of risk management and control in China, so there is still a long way to go.  (Remember the website address: www.hlnovel.com
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