Chapter 295

Last topic: Market Research.

It mainly investigates the development direction of Beihe border trade and how to better guide this direction

Li Rongrong, as a later responsible person and a pioneer of Beihe, is naturally the main speaker and has the most say.

Li Rongrong was not informed in advance. Today's speech is totally unprepared.

Today! It's to test Li Guangrong's real ability.

Without real ability, Li Rongrong can't pass today.

You can't fool people by talking nonsense. No one else is a fool.

You are really responsible for this project, so you are familiar with all the details. So! You don't have to write a speech, you can just "talk about it.". It's all genuine.

The two investigators sent by the headquarters cooperated with Li Rongrong's work.

He is the decision maker of the think tank.

Yechen! As the boss, he is the ultimate decision maker.

Secretary Rong, as the Secretary of President ye, is just a listener.

But in Ye Chen's conjecture: she may be transformed from her boss.

She! Is the final decision maker.

At present, in Beihe, this is the case: Beihe natives and foreigners engaged in border foreign trade basically choose agricultural development bank.

Other banks have come to Beihe, but as a result, they have no business to do.

Customers do not deposit money to other banks and do not use other banks as foreign exchange settlement banks.

Other banks also have business, but! It's pathetic. And among them! Most of them are loans.

It's not nongyifa's monopoly, it's the customers' willingness.

The interest rates of deposits and loans are similar, and there is no unfair competition.

The difference is: the service attitude of the agricultural development bank is good, and people are willing to come.

And more! It is also the most important reason: the system of balance between deposit and loan.

If you deposit one million yuan here in the Agricultural Development Bank for one year, then if you need a loan in the future, the agricultural development bank can give you the offset system. in other words! You loan one million, the loan term is one year, then! I don't charge you any interest on the loan. I only charge you the same interest on the deposit.

This is the balance between deposit and loan!

The surplus is calculated according to the normal interest rate.

Deposit low interest, loan high interest, you are not bullying customers?

Overlord clause!

Since Li Rongrong made this provision in Beihe on his own initiative, the customer chose Agricultural Development Bank.

Who knows if he will get a loan in the future?

If need loan, so! Now I deposit my money in nongyifa bank, and then I can "balance deposit and loan".

Who doesn't want to save more money now and start their own business in the future?

Even if I don't need a loan in the future, I can get interest even if I deposit my money in the agricultural development bank?

Agricultural development bank deposit interest is similar to other banks, in addition! Good service attitude.

Pig iron mending means (forging) win!

Why don't other businesses follow suit?

The reason is that whoever innovates first will win the recognition of the market.

Beihe was the first to innovate, so he won the market.

Even if other banks follow, it is a step too late.

What's more! Now agricultural development bank has passed the "annual meeting": national promotion.

Even if other industries follow suit, it is a step too late.

On the other hand, we have done a good job in risk prediction and prevention.

Even if other banks hastily follow suit, they are one step behind in risk prediction and prevention.

Because! Agricultural Development Bank has been experimenting in Beihe and Li Rongrong for a long time.

Others have summed up a set of prevention experience.

It is one aspect to investigate the "balance between deposit and loan", and another aspect to investigate the border foreign trade market.

This time! It's two surveys.

It is very important to investigate the foreign trade market and support the development of foreign trade and industry.

If you don't thoroughly study the market, your loan business may not be recovered.

It's meaningless to borrow money but not get it back. There are a bunch of beautiful figures on the bank's general ledger.

Who does the bank lend its money to? To which foreign trade industry? Which industries? That's what matters.

It's not blindly lending, and it's not lending regardless of character.

No matter how much money they deposit in the Agricultural Development Bank, people with no character will not be able to lend money.

The system of balance between deposit and loan is invalid for them.

The general direction has been set. Just discuss it again.

Ye Chen has approved two major loans, one for foreign trade and the other for supporting industrial development.

What we are discussing this time is only "refinement"!

The general direction has been clear, which is what ye Chen said.Refinement is: specific to which industries, size.

As much as possible, as little as possible.

Industrial development is the same: specific to which industries, size, amount.

Only when there is a general direction and general stipulation can the following staff have a basis.

"So? Is there an official reply on the new building to be built by our bank? "

Although Li Rongrong has been promoted to the headquarters of nongyifa, he is still concerned about Beihe sub branch.

Although Beihe is only a county-level city, its scale is quite large.

You know! None of the other businesses came here. Beihe is the only one in this farm.

So! We can imagine the business volume of Beihe sub branch.

By the way! Beihe also has foreign exchange business.

Now the North River! It's already quite large, even larger than the sub branches of the prefecture level cities above it.

The total number of all the sub branches in the whole prefecture level city is also less than that of Beihe.

So! Now the five storey office building, more than 20 business windows, has been unable to meet the requirements.

The business volume is too large, and the 20 odd business windows are not enough.

With the deepening and continuation of development, it will only be more and more inadequate.

So! New buildings must be built to increase business windows.

Open another business outlet?

But at present, the population of Beihe is not concentrated and has not formed a city scale.

"It's approved! This time I'll come! It's mainly about this The president of the branch of Beiguang province should say.

Build the tallest building in Beihe, increase the number of business windows to countless.

By the way! Business diversion, arrange different business to other floors.

Foreign exchange business is on the third floor, a whole floor.

The other, the other! Independent property for employees

Now the houses are not owned by the workers themselves, but by the farmers themselves. in the future! We can consider giving benefits to the workers and letting them have property rights.

Although employees have houses to live in, they have no sense of security. The house is made by Nong Yifa, a unit house. Maybe it will be taken back by the unit.

So! We must give the staff a reassurance. As long as the number of years, the house is yours. Or

All in all! Safety is the first priority for employees.

After the internal meeting, Secretary Rong calls Wu Mei in.

The governor of the provincial bank personally appointed Wu Mei as the president of Beihe sub branch.

Call Li Rongrong's assistant and appoint him vice president.

Li Rongrong! Become a researcher of Market Research Department of agricultural development headquarters in Beihe.

"Go back and tidy up! Go to the capital for a holiday! Take the baby Let the Secretary pull Wu Mei aside and say.

Although Li Rongrong stayed in Beihe, he still had to go to the headquarters of agricultural development bank to report and go through the relevant procedures.

So! Wu Mei can take this opportunity to go to the capital together.

"This one?" Wu Mei is very suspicious.

"Leave has been arranged for you! What else do you doubt? "

"Wu Wu Wu!" Wu Mei was so excited that she cried.

Since following her husband to Beihe, she and her husband have never left Beihe for a holiday.