Chen Xi expressed his understanding of Feng Yun’s words, but this kind of thing is indeed a bit difficult to change.
After drinking a sip of tea, Chen Xi thought about it and said: "Western banks and domestic banks have similarities in terms of operational models, business types, service objects, etc., but there are many differences. Let's talk about financing first. Methods: In China, enterprises mainly raise funds through loans to banks, and bank loans occupy a large part of the financial system. In the West, enterprises tend to raise funds by issuing bonds and stocks, and the proportion of direct financing is higher. >
Talk about the regulatory system, there are also differences in the regulatory systems of banks on both sides. The domestic financial regulatory system is Multiple institutions are composed of, such as the China Banking and Insurance Regulatory Commission, the China Securities Regulatory Commission, etc., each responsible for supervision in different fields. The Western financial regulatory system may be more flexible and diversified, depending on the legal and financial environment of each country.
Okay, as for loans, there is a big difference between companies or individuals taking money from banks and investment companies. Domestic banks, on the surface, approving loans depends on many factors, such as corporate industry, corporate reputation, Other requirements such as operating conditions, risk resistance, financial management, collateral or guarantee. But in fact, the bank will not If you care about your project or company's future situation, it will only care about interest and bear risks. For example, the interest rate of the loan contract signed by the bank with you is 5%, and the risks it can bear must be linked to the returns. Therefore, the lender needs to have collateral for the bank's loan logic.
According to the current work of bank practitioners, they have to complete the above tasks every quarter. If the above task is to say, how much to lend Give as much as possible to get the company, but there are basically very few qualified companies. What should I do if I can’t complete the task? They only It can reduce the requirements for lending, but the bank has its own rules. When those loan assistance companies discuss with the bank, they say that they can collect benefits and fees to the outside world and can handle loans. From another perspective, although the bank has set up loans But since the loan assistance company cooperates with bank loan managers, these thresholds are equivalent to becoming some decorations, because bank staff will not allow companies that meet the regulations to obtain loans normally in order to make private money. In other words, this trend will gradually become a situation where you want to have a loan, and you will have to pay any benefits..."
"What do you think?" Feng Yun nodded.
Chen Xi said again: "What do you think? I think everything has its pros and cons. After all, this phenomenon also exists abroad. I also gave me benefits when I applied for a loan in Turkishou, but Turkishou is in Turkishou. There are no loan assistance agencies. In other words, the cost is still within my acceptable range...
But those I just mentioned are not the most serious, they are just small-scale fights. At present, many All companies have been destroyed by the loan withdrawal. The loan withdrawal has always existed, but no one has taken care of it. For companies, the loan withdrawal is undoubtedly a sudden outage of food, especially in the situation where the capital chain is already tight Next, the loan withdrawal will make the company worse. Many companies face problems such as suppliers' collection of payments and employee wages difficulties, and may even face bankruptcy due to the inability to repay debts.
Now many The person in charge colluded with the agency to fool the company's boss to repay the loan first, and promised to renew the loan soon. However, the repayment required money, so the person in charge introduced the boss's agency to handle the bridge funds. Wait until After the boss took the money he got from the agency to repay the loan, the person in charge would ask him to buy financial products. In order not to offend the other party, the bosses could only grit their teeth and agree. As a result, a month passed and the loan renewal progress was not yet available. Movement. When they went to the bank to question, the person in charge began to refuse to admit it.
The boss paid off his original loan, but owed the intermediary company a high-interest loan, and the amount was so huge... ...The broken capital chain means that the company is basically done. I don’t know how many people have cheated of this behavior of recovering the loan in advance before the repayment period stipulated in the agreement.”
"Then how do you think the reform should be made?" Feng Yun blinked. "Reform is a bit difficult. I think the entire banking system is rotten to the core." Chen Xi shrugged helplessly.
"Hahaha, then I'll tell you what I think. We Aba Aba has a financial company, and I mentioned it at the financial conference last time. I think the bank's broken model has been so far The reason why it has not changed is that no one can threaten it. If we Aba Aba can give everyone unsecured and unblocked loans, the bank will compromise because of this. What do you think? ”
"Mr. Feng, after all, you are playing the trick of turning your left hand into the right hand. Your funds are borrowed from the bank, and you redirect them to lend them to others. It is equivalent to absorbing the public's money into your hands. Let's lend it to the public. To put it bluntly, if you borrow from the bank at a low interest rate and lend it to others at a high interest rate, you will make the difference. You want to take the money from the funder and slap the funder in the face. Is it possible that things will succeed?” Chen Xi chuckled.
"What about that?"
"Unless you didn't borrow the money from the bank, that is, you raised funds through other channels."
"Do you put the financial product on the market alone?"
"Yes, but you just said That's what I meant to change the bank, but I don't think it's the real idea in your heart."
"Then what do you think my real idea is?"
"What else can it be, this is It's similar to what you want to do rural projects today. You want to increase the number of loan users. I don't believe you are not jealous of such a large market in the countryside."
"Haha." Feng Yun smiled after hearing this and stopped talking.
"But I want to remind you that this rural person is different from that of urban persons. People owe money and stay in the village. Those who work for your company probably won't get any debts if they go to the debts. There is a high probability that the money will be beaten by the villagers after an argument." Chen Xi thought about it and persuaded kindly. "Why? It's natural to pay back debts. The contract is written in black and white, doesn't it?" "Rural people won't tell you any reason or law, hehe." Chen Xi's previous life At the time, he was similar to Feng Yun, and he thought about the situation in the countryside a little naive. There are more places to travel here, and more people will see them. "You had a big talk at the meeting today. Are you sure you can win this project?" Feng Yun said again.
"I don't know, I guess you are not sure." Chen Xi shook his head.
The two of them suddenly became silent, and there was only the sound of chopsticks in the private room.
According to the situation in his previous life, Feng Yun was eliminated in the end because Aba Aba’s ingredients are impure.
But today at the meeting, according to Chen Xi's observation, Fan Hongyuan asked Feng Yun so many questions, and obviously had new ideas.
At around nine o'clock in the evening, after parting with Feng Yun, Chen Xi returned to the hotel alone to rest.
After turning on the phone, I found a series of missed calls.
Because he was having a meeting before, his phone also switched to silent mode.
The phone call was from Jiang Yun, and it seemed that there was something urgent to look for him.
Dialing back, Jiang Yun's tired voice came from the phone: "Mr. Chen, you have answered the phone."
"What happened?"
" >
"That... the TV series we filmed were criticized."
"Why, isn't the effect and response very good? Is it the navy recruited by our competitors?"
" Not so, it was multiple filmmaker associations that bombarded us. We said that our shooting method greatly harmed the interests of actors. In the future, we only need to use special effects, and the quality of actors will become worse and worse..."
< br>"You need to have a legitimate reason to spray back, what should I say?"
"Just say that the top domestic actors are paying too high now, and middle and lower-level actors have no food to eat. If you want to say that these people have good acting skills, the problem is that most of them become popular by hype. I do this It is to let everyone in the middle and lower class actors have a day to make a comeback. If they don’t do this, the mainland film and television industry will be ruined in the future. Any big shot can be made in blockbusters! "
"Okay, I’ll go now "Jiang Yun received the instructions and was excited. But after thinking about it, he reminded him: "Mr. Chen, I suddenly remembered it. Those several associations are non-governmental organizations, but the largest one has an official background..." "Oh, then you have to change your words. It has been changed, and it is more touching to let the middle and lower-level actors voluntarily join the counterattack ranks. In addition, people who are not actors should also stand on our side..." Chen Xi thought about it and started to direct .
After talking to Jiang Yun, he couldn't wait to turn on the computer and start watching the news.
Sure enough, the Internet, including the Tianya Forum, is full of questions about several recent dramas.
The comments below are also varied, and there are all things to say.
"If you rely on special effects to shoot movies in the future, the domestic film and television model for decades will be over. The quality of actors will be reduced and you will no longer learn martial arts, acting skills and other things..."
< br>"Isn't this a bullshit upstairs? Foreigners started using special effects decades ago. I think their actors are better than those in China."
"If you do this, the star effect will be Reduce. If the threshold for actors is lowered, the number of people will increase and income will decrease. Who will be willing to be an actor in the future? "
"It's so laughing. Now many actors who have never heard of my name are always The salary for filming a movie is tens of millions, and I don’t know where they are worth the price. I just pull a dog over, and they are better than these people. What do you think are the tens of millions for? Do you wash rice?”
"Many foreign films use special effects and their technology is mature. The effect of several films and TV series produced this time is not worse than that of them. I think this is a good thing, which shows that our special effects team is not inferior to that of foreign countries."
"Actors The high value and small number are more conducive to product endorsement. Think about it, if the threshold for actors is lowered, a lot of unknown newcomers will emerge. If everyone relies on special effects for a long time, it will lead to the film and television industry moving towards Another model development. At that time, everyone could not remember the actors' appearance, so how could they talk about endorsement products..."
Looking at these mixed comments on the Internet, Chen Xi sneered in his heart.
No mistakes, one poem, one post, one content, one in 6, one book, one bar, one read!
Isn't it just that he has moved someone else's job and has made up a lot of seemingly reasonable remarks.
No matter how much I think about it, he still knew the association with the official background that Jiang Yun just mentioned.
This association has a lot of energy. The members include screenwriters, directors, actors, producers, photographers, and artists who have a lot of works and have a certain professional title or have won awards in important domestic and international film awards. , recording artists, composers, critics, entrepreneurs and educators, as well as experts in film distribution, screening, scientific research, etc. These members are all the best in the film industry.
These people also have the directors and actors who have had business dealings with him.
That is, Jackiechan introduced him to Zhang Moumou, Chen Haige, etc.
Although the people in this association are very famous and have an official background. But Chen Xi is not afraid of them. If he compares money, he will be much more than these directors, actors, etc. If you compare your connections, you are not inferior to them. As for the official background... many of his projects are related to the official.
In short, those celebrities who engage in movies and music are not qualified to challenge in front of businessmen.
I have never dealt with these guys before. When these people saw real business tycoons, they nodded and bowed like a little brother.
Only among the investors behind this group of people, some of the energy can compete with him. After all, there are still many people who are richer and more powerful than Chen Xi.
At this time, a group of bigwigs from the film and television association were discussing the incident in a club in Huajing. "Vice President Zhang, you have to stand up for us. If this continues, what should the actors in our association do?" A bald fat man cried to the middle-aged man in front of him.
He is the president of a certain TV Artists Association and is considered the leader of a non-governmental organization.
The person he called Vice President Zhang is a famous actor and director.
However, at this time, Vice President Zhang didn't seem to care much about his crying behavior, but said perfunctorily and knew, I knew. "You have also seen the hot discussions on the Internet. The last TV series with a large special effects production seems to be the same movie called "Fengyun". A TV series ten years ago invested 200 million yuan, but the mainland actors paid less It's so pitiful. Since then, some TV series and movies have also started to have advanced special effects, but the films made are all at a loss. "The man in glasses sitting on Vice President Zhang's left suddenly spoke.
The man who said glasses was not unreasonable, and the production of special effects requires a lot of financial and technical support. Under a limited budget, producers often need to weigh in multiple aspects such as plot, actors, and special effects. Sometimes, to ensure the attractiveness of the plot and actors, the producers may sacrifice some of the quality of the special effects.
In addition, domestic special effects production technology is relatively backward and lacks advanced production software and hardware equipment. This limits the presentation effect of special effects, making the special effects of domestic TV series and movies appear visually rough.
And it takes a lot of time and effort to create special effects. During the intense shooting and post-production cycle, producers may lower the production standards of special effects in order to speed up the construction period.
After all, the money given by investors is limited. How to make movies sell at high box office? This is what the directors think.
In the current film and television market, actors, especially well-known actors, often have greater appeal and influence. In order to attract audiences and ensure box office or ratings, the producers are more willing to invest their funds in the actors' pay.
Some viewers pay more attention to actors than to special effects. In order to cater to the preferences of this audience, the producer can only do this.
Of course, this is not the key. The key is the tax issue. Increased actors' pay can greatly reduce costs. This is also true that many actors have been exposed to tax evasion.
But after all, it is still a matter of industry habits. For a long time, the domestic film and television industry has formed a practice of paying attention to actors and despising special effects. This makes the producers only consider the actors when allocating their budgets.
The current domestic film market has developed a style. The lack of big-name actors means that publicity is equal to zero. No matter how good the film is, it must be known to others before watching it. Therefore, it is natural to lose money.
"I watched those movies, and the special effects were done well. Did the foreign team do it? But now there are so many pirated versions, I think it is difficult to make a profit. After waiting for a long time, they found that it would If you lose money, this matter will be gone. Is it necessary to bombard others online? "Vice President Zhang looked at the bald man who was talking before.
Although Zhang Dali is the vice president, most people will call him the president. I don’t know if this bald man was anxious today, so he actually added a subtitle to him. This made Zhang Dali feel a little unhappy.
"No, Vice President Zhang, listen to me. According to my inquiry, their special effects production team did not spend much money. Once they made a hole in it, the consequences would be unimaginable." Bald man quickly explained. "Oh? Who did you hear?" "It's Mr. Yang, and also an investor in our TV series!" The bald man quickly introduced the young people around him to Vice President Zhang. (This chapter ends)