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

If it is said that private enterprises are blamed for this blame, private enterprises can die unjustly.

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

"Mr. Zhang, isn't this a bit absolute? Does it mean that no private enterprise can get a loan from the bank?" Mr. Huang asked in disbelief.

Zhang Weiyi smiled and said: "Of course, it is not impossible for some people with connections and backgrounds, or even some high-quality companies, to be able to get loans from banks. For example, Huaqing Holdings Group has the ability to get loans from banks. loan."

Jiang Xiaobai also nodded with a smile. Indeed, among the top private enterprises such as Huaqing Holding Group, leading enterprises in the industry are still able to obtain loans from banks.

But at this point, Zhang Weiyi changed his voice and said: "But private enterprises don't have the ability to go bad?"

Mr. Huang frowned. Isn't this contradictory? Since enterprises can obtain loans from banks, they have the ability to go bad, 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 by death, otherwise, no matter whether your company is bankrupt or owned, as long as you are still alive, the debt will still be there."

Mr. Huang was stunned for a while, before asking: "No, is there no bankruptcy law in China?"

"Yes." Jiang Xiaobai replied affirmatively: "I had it a few years ago, but it was useless. It is impossible for you to go bankrupt."

This is a problem in the historical period. The bankruptcy of the company was officially implemented after entering the 21st century. Although there was also a company bankruptcy law before the millennium.

But no one takes it seriously at all. In fact, many economic activities are before the law.

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

This is a very normal thing.

This is how companies and private enterprises are now. In the past few decades, the country was under the planned economic system, and individuals were not allowed to do business, and state-owned enterprises could not be said to be bankrupt or non-bankrupt.

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

So this bankruptcy law is useless at all, and there is no such law. It is like after insurance. In the past, there was no such thing in the country. Everyone was sick and so on. What kind of insurance will I buy.

There is no such market at all.

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

The bankruptcy law is also postponed in this way, but there is still the doctrine of local protection. If you want to go bankrupt, you have to see whether people agree or not.

Therefore, bankruptcy is something that many people in China needless to say do it, but they have never heard of it.

Debts are wiped out after death, or even debts are not eliminated. Father’s debts are repaid by sons everywhere. If you want to go bankrupt and not pay back the money, it is simply impossible.

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

Mr. Huang finally understood, but he didn't respond for a long time. He needs to digest the news carefully. If it follows what Jiang Xiaobai and Zhang Weiyi said, then the current plan made by Huahua Bank will have to be adjusted.

If the bad debt rate of private enterprises is not high, then the loan business of small and medium-sized 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, such as Huaqing Holding Group, they all follow the domestic spring breeze to develop and grow.

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

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

Jiang Xiaobai and Zhang Weiyi did not urge Mr. Huang, but 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 future main business." Mr. Huang said without making Jiang Xiaobai wait any longer.

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

Bring a research team to take a look at the domestic field in person, focusing on the lending business and customer services of various banks, and targeting small and medium-sized enterprises at the grassroots level.

There is a saying that if you get what you get on paper, you will eventually feel shallow. You must do it yourself. It is better to see it on the ground, and there will be no such oolong incidents again. "

As Jiang Xiaobai said, Mr. Huang blushed. It is true that he made a big joke this time, but he does know little about the country.

From the beginning of his work, he worked in the bank in Ouzhou. Later, after he met Jiang Xiaobai, Jiang Xiaobai arranged for him to work in Mosco as a flower bank.

He has been in the banking business for a long time, and he is probably more familiar with the situation in Wuzhou than in the southeast side of Xiangjiang.

If he went to the mainland, he hadn’t been there a few times in total. If he knew anything about the country, it all came from the contact with Jiang Xiaobai and others and the news in the newspaper.

There is no on-the-spot understanding of the current domestic development and actual situation.

"Okay Director Jiang, I'll make some preparations. It just so happens that the bank doesn't have many jobs right now. I'll organize and arrange five inspection teams. Each team will be led by a high-level executive to go deep into the bottom of the country.

Really understand the current situation in the country. "

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

Jiang Xiaobai nodded with a smile. If you want to do business in the country, you must first understand it. It is just talk on paper, not combined with the actual situation. In the end, there will be no second result except acclimatization.

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