Chapter 1574: Steady and Steady Progress

I had thought that Penghu Industry and Pengying Holdings would jointly establish a company, and the equity of the two companies would be divided into primary and secondary according to the capital budget. I didn't expect Zheng Haixia to participate in it. Then this financial company could not be considered a parent company, but a newly established independent entity.

"Our company's main business is consumer loans for home purchases, and the rest of the funds are used for curve investment, which means that most of the business is done to facilitate the development of Wanhai Plaza. If you raise funds, will you feel constrained?" Shen Dapeng sighed and asked Zheng Haixia for her opinion.

The two washed up in the room and sat on the sofa with no intention of leaving. This matter is big or small, and Shen Dapeng doesn't need to be so troublesome. However, he has already given Zheng Haixia a chance, so he naturally can't go back on his word.

Zheng Haixia smiled knowingly. Beijing is much more mature than Shenzhen. The commercial real estate model of Wanhai Plaza has gradually become popular. As long as Wanhai Plaza does not fall, there is no need to worry about business expansion when developing financial companies around Wanhai Plaza.

"If more funds are needed to invest in other areas, I will find a way to raise funds for the company. We can't just focus on finance. I know this industry better than you." Zheng Haixia said that she had a rough plan.

Although most of the financial companies were established to cater to real estate projects, in terms of Shenzhen's development conditions, it is possible to expand them by establishing a financial company.

Involving more funding issues, or even listing the company, this financial company cannot expand with the main real estate industry. Zheng Haixia has more ideas. Whether it is credit or insurance, the company must have a broader development prospect.

This is different from Shen Dapeng's original intention. He understands the financial field, but he is definitely not proficient in it. "You mean to start a bank?"

Taking a deep breath, Shen Dapeng looked at Zheng Haixia with a strange look.

Zheng Haixia wanted to expand the scale of finance and link it with banks. Shen Dapeng had thought about opening a bank, but the procedure was too complicated and there was no professional operation, so it was basically impossible to complete this matter.

Moreover, it would take a long period of time to complete the various procedures of registering a bank, especially since the company being acquired is only a small company, which does not have the conditions to be converted into a bank.

Zheng Haixia knows more about the industry rules than Shen Dapeng, and she has a plan. "The company is now in business operation. As for the bank, it will take a long time to handle it, but I am confident that I can run my own bank in Shenzhen. Don't worry about that."

The difficulty of opening a bank is closely related to the 100 million yuan of preparation funds in the early stage. If it is not necessary and the business operation needs it, a full 100 million yuan will not be drawn out to run a bank.

Finance is a troublesome industry that cannot tolerate any mistakes.

Zheng Haixia has the confidence to do it well, which is one aspect of Shen Dapeng's optimism about her.

After all, Zheng Haixia dares to think big and is not afraid of failure.

"If you say so, I have to think about it." Shen Dapeng thought for a while and said faintly.

It is beyond his plan to suddenly mention the bank. Whether Zheng Haixia can do it is a question. If there are some problems in the financial field, it means losing money or even bankruptcy.

It's just that the various businesses proposed by Zheng Haixia are more comprehensive. It's difficult for the company to maintain operations without hundreds of people. The key is whether there is a need to layout far away.

"I only proposed a general direction. A tall building starts from the ground. What we need to do now is to pave the way for opening a bank in the future. I can't directly organize a bank. This idea is immature." Zheng Haixia became silent at the moment. It's related to the operation of the company and can't be sloppy.

If Zheng Haixia is competent in running a financial company, then she is not sure about running a bank. It takes a long time to develop, have sufficient preparation, and have the indispensable conditions to complete the establishment of the enterprise.

This is a long and complicated development plan. Zheng Haixia is proficient in the process, but Shen Dapeng, who is sitting next to her, is not very professional, so he fell into deep thought.

"I have a better way. You don't need to raise funds or involve company shares in the first step. After the company is established, according to the development of various businesses, if necessary, discuss the change of equity distribution. What do you think?" Shen Dapeng pondered for a while and gave Zheng Haixia a relevant reply.

Zheng Haixia wants to show her skills, and she can just have this intention, but the matter is of great importance and no mistakes can be allowed to occur. Once the financial company does not do well, it will involve the development of various industries, and the disadvantages are obvious.

So, it is best to let Zheng Haixia take steady steps and develop slowly.

If the company initially enters the financial field and starts to make a big investment, it will do more harm than good to the company as a whole, so Shen Dapeng can only give his intention.

The key process depends on Zheng Haixia herself, and the final step depends on how the company develops, whether the project operates smoothly, and the overall profit trend.

Zheng Haixia immediately expressed her displeasure. The method proposed by Shen Dapeng was conservative, and she disdained to do so. What's more, this rich lady has her own understanding of the financial industry.

"Are you worried that I can't do it well?" Zheng Haixia laughed coldly, and her eyes looking at Shen Dapeng became a little contemptuous.

Her personal ability was questioned, and it was good that Zheng Haixia didn't turn against Shen Dapeng directly at the moment, but now the two have not started cooperation, so she suppressed her temper.

"It's not this question, but what you said, directly involving the cutting-edge industry in the financial field, and even connecting with major financial giants, and completely entering the financial market. It's okay for the company to take out 10 or 8 billion, but now the company can't get a large amount of funds. The bigger the layout, the easier it is to collapse." Shen Dapeng smiled and didn't mind Zheng Haixia's attitude.

After this year, the financial market will burst out with various problems, and these problems will lead to the collapse of the financial market in the next two or three years.

Over-expansionary monetary policy opening, poor financial supervision, and international exchange rate constitution are also one of the important influencing factors. As a result, in the next two years, real estate prices will be frustrated, people's purchasing power will decrease, the curve will fall, and banks will not be able to lend money.

In just three years, from 2006 to 2008, the financial crisis will sweep the world.

At this juncture, it is indeed unwise to invest a lot of money in the financial field.

Shen Dapeng knows the historical progress, and even in the next period of time, the scene of the financial crisis sweeping the world can be seen, so he will lay out in the financial field to help real estate and other projects operate.

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