I'm reborn and I'm an international student again?

Chen Xi expressed his understanding of Feng Yun's words, but this kind of thing is indeed difficult to change.

After taking a sip of tea, Chen Xi thought for a while and said, "Western banks and domestic banks have similarities in terms of operating models, business types, and service objects, but there are also many differences. Let's talk about the financing method first. In China, companies mainly finance by borrowing from banks, and bank loans account for the majority of the financial system. In the West, companies are more inclined to raise funds by issuing bonds and stocks, and the proportion of direct financing is higher.

As for the regulatory system, there are also differences in the regulatory systems of banks on both sides. The domestic financial regulatory system is composed of multiple institutions, such as the China Banking and Insurance Regulatory Commission and the China Securities Regulatory Commission, each of which is responsible for regulatory work in different areas. The financial regulatory system in the West may be more flexible and diverse, depending on the legal and financial environment of each country.

Well, speaking of loans, there is a big difference between a company or individual getting money from a bank and from an investment company. Domestic banks, on the surface, approve loans based on many factors, such as the company's industry, corporate reputation, operating conditions, risk resistance, financial management, collateral or guarantees and other requirements. But in fact, the bank will not care about your project or the future of the company, it only cares about interest and risk. For example, the interest rate of the loan contract signed by the bank with you is 5%, and the risk it can bear must be linked to the return, so the bank's borrowing logic requires the borrower to have collateral.

According to the current work of bank employees, they have to complete the above tasks every quarter. If the above task is to lend a certain amount of money to a certain number of companies, there are basically very few companies that meet the qualifications. What should they do if they cannot complete the task? They can only lower the requirements for lending, but the bank has its own rules. Those loan-assisting companies discuss with the bank staff and claim that they can arrange the loan for a fee. From another perspective, although the bank has set a loan threshold, since there are loan-assisting companies cooperating with bank loan managers, these thresholds are equivalent to decorations, because bank staff will not allow qualified companies to obtain loans normally in order to make private money. In other words, this trend will gradually become a situation where you have to pay a bribe if you want to take out a loan..."

"What do you think?" Feng Yun nodded.

Chen Xi continued: "What do you think? I think everything has its pros and cons. After all, this phenomenon also exists abroad. I also paid a commission when I applied for a loan in Australia, but there are no loan intermediaries in Australia. In other words, the cost is still within my acceptable range...

However, what I just said is not the most serious, just a minor incident. At present, many companies have been ruined by the withdrawal of loans. The withdrawal of loans has always existed, but no one has taken care of it. For enterprises, the withdrawal of loans is undoubtedly a sudden food shortage, especially when the capital chain is already tight. The withdrawal of loans will make the situation worse. Many companies are facing problems such as suppliers demanding payment and difficulty in paying employees' wages, and may even face bankruptcy due to the inability to repay debts.

Now many managers collude with intermediaries to trick business owners into repaying their loans and promise to renew their loans soon. But repayment requires money, so the manager introduces an intermediary company to the boss to handle bridge financing. After the boss takes the money from the intermediary to repay the loan, the manager will ask him to buy financial products. In order not to offend the other party, the bosses can only grit their teeth and agree. As a result, a month has passed, and there is no progress in the renewal of the loan. When they went to the bank to question it, the manager began to deny it.

The boss paid off the original loan, but still owed the intermediary company a high-interest loan, and the amount was so huge... A broken capital chain means that the company is basically finished. This behavior of calling back the loan before the repayment period stipulated in the agreement has cheated countless people. "

"Then how do you think we should reform it?" Feng Yun blinked.

"Reform is a bit difficult. I think the entire banking system is rotten to the core." Chen Xi shrugged helplessly.

"Hahaha, let me tell you what I think. We Aba Aba have a financial company, and I mentioned it at the last financial conference. I think the reason why the bank's broken model has not changed until now is that no one can pose a threat to it. If we Aba Aba can provide unsecured and unrestricted loans to everyone, then the bank will compromise. What do you think?"

"Mr. Feng, what you are doing is just transferring money from one hand to the other. You borrow the funds from the bank, and then lend them to others with leverage. It is equivalent to absorbing the public's money and then lending it to the public. To put it more clearly, you borrow money from the bank at a low interest rate, and then lend it to others at a high interest rate, making a profit from the difference. You are thinking of taking the financiers' money and slapping them in the face at the same time. Do you think this can succeed?" Chen Xi chuckled.

"What to do?"

“Unless you didn’t borrow the money from a bank, you raised it through other means.”

“Will financial products be listed separately?”

"Yes, but you just said you wanted to change the bank, which I don't think is what you really mean."

"So what do you think I really think?"

"What else could it be? It's just like you want to do a rural project today. You want to increase the number of loan users. The rural market is so big, I don't believe you are not jealous."

"Haha." Feng Yun smiled after hearing this and said nothing more.

"But I want to remind you that rural people are different from city people. When people owe money, they stay in the village. The debt collectors your company cooperates with probably won't be able to collect the money if they go there. There's a high probability that they will get beaten up by the villagers after an argument." Chen Xi thought about it and advised kindly.

"Why? It's only natural to pay back debts. It's written in black and white in the contract, isn't it?"

"The rural people won't tell you about reason and law, hehe." Chen Xi was similar to Feng Yun in his previous life, and was a little naive about the situation in the countryside. He has traveled to many places and seen a lot.

"You talked a lot at the meeting today. Are you sure you can get this project?" Feng Yun said again.

"I don't know. I guess you're not sure either." Chen Xi shook his head.

The two of them suddenly fell silent, and the only sound in the box was the sound of chopsticks.

According to the situation in his previous life, Feng Yun was eliminated in the end because the Aba Aba ingredient was impure.

But today at the meeting, according to Chen Xi's observation, Fan Hongyuan asked Feng Yun so many questions, and it was obvious that he had new ideas.

At around nine o'clock in the evening, after having dinner with Feng Yun and parting ways, Chen Xi returned to the hotel alone to rest.

When I turned on my phone, I found a series of missed calls.

Because he was in a meeting before, his phone was turned to silent mode.

The call was from Jiang Yun, and it seemed that he had something urgent to discuss with him.

I called back, and Jiang Yun's tired voice came from the phone: "Mr. Chen, you finally answered the phone."

"What happened?"

"Well...the TV series we filmed were criticized."

"Why? Isn't the response very good? Is it a troll hired by our competitors?"

"Not really. It was several film associations that criticized us. They said that our filming method greatly harmed the interests of the actors. In the future, we only need to do special effects, and the quality of the actors will get worse and worse..."

"Huh? It's like saying that the quality of actors nowadays is good. They just want to increase the actors' pay. It's so funny that they still make such excuses. Don't indulge them, just spray them back."

"You have to have a good reason to spit back. What should I say?"

"You can say that the top actors in China are paid too much, and the middle and lower-level actors have no food to eat. If you say these people have good acting skills, that's fine, but the problem is that most of them became famous through hype. I do this to give the middle and lower-level actors a chance to shine. If I don't do this, the mainland film and television industry will be ruined in the future. Any cow or horse can make a blockbuster movie!"

"Okay, I'll do it right away." Jiang Yun was very excited after receiving the instructions. But he changed his mind and reminded: "Mr. Chen, I suddenly remembered. Those associations are all non-governmental organizations, but the largest one has an official background..." "Oh, then you have to change your words, and make them more touching, so that those middle and lower-level actors will voluntarily join the ranks of the counterattack. In addition, we must also let those non-actors stand on our side..." Chen Xi thought for a while and began to give instructions again.

After finishing his phone call with Jiang Yun, he couldn't wait to turn on his computer and start reading the news.

Sure enough, the Internet, including the Tianya Forum, is full of questions about several recently released dramas.

The comments below are also varied, saying all sorts of things.

"If we rely on special effects to make movies in the future, the domestic film and television model of several decades will be ruined. The quality of actors will decline, and they will no longer learn martial arts, acting skills, etc...."

"Isn't that bullshit? Foreign countries have been using special effects for decades. I think the quality of their actors is better than that of ours."

"If we do this, the star effect will be reduced. The threshold for actors will be lowered, which will lead to an increase in the number of actors and a decrease in income. Who will be willing to be an actor in the future?"

"It's so funny. Now there are many actors whose names I have never heard of, but they are paid tens of millions for a movie. I don't know how they are worth it. Even if I drag a dog over there, I can act better than these people. What do you think these tens of millions are used for? To make money?"

"Many foreign films use special effects, and the technology is mature. The effects of several TV series and movies produced by Tianya this time are not worse than theirs. I think this is a good thing, which shows that our special effects team is not inferior to foreign countries."

"The high value and small number of actors make them more suitable for product endorsements. Just think about it, if the threshold for actors is lowered, a large number of unknown newcomers will emerge. If everyone relies on special effects for a long time, the film and television industry will develop in a different way. At that time, no one will remember the appearance of the actors, let alone endorsement products..."

Looking at the various comments online, Chen Xi sneered in his heart.

Didn't he just take away someone else's job, and yet he came up with a bunch of seemingly reasonable excuses?

Although he thought about it, he was very clear about the association with official background that Jiang Yun had just mentioned.

This association is very powerful. Its members include screenwriters, directors, actors, producers, photographers, artists, sound engineers, composers, critics, entrepreneurs and educators who have produced a lot of works and have a certain professional title or above, or have won important film awards at home and abroad, as well as experts in film distribution, screening, scientific research, etc. These members are all leaders in the film industry.

Among these people are several directors and actors with whom he has had business dealings.

That is, Zhang Moumou, Chen Haige and others who were introduced to him by Jackie Chan.

Although the people in this association are very famous and have official backgrounds, Chen Xi is not afraid of them. In terms of money, he has much more than these directors and actors. In terms of connections, he is not inferior to them. As for official backgrounds... many of his projects are related to the government.

In short, those celebrities in the film and music industry have no qualifications to challenge these businessmen.

It's not like I haven't dealt with these guys before. When they see the real business tycoons, they all bow and scrape like little brothers.

Only some of the investors behind this group of people who are powerful enough can compete with him. After all, there are still many people who are richer and more powerful than Chen Xi.

At this time, in a club in Huajing, a group of bigwigs from the film and television association were discussing this incident.

"Vice President Zhang, you have to stand up for us. If things continue like this, what will happen to the actors in our association?" A bald fat man started crying to the middle-aged man in front of him.

He is the president of a certain television artist association and is considered the leader of a non-governmental organization.

The man he calls 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, and said perfunctorily, "I know, I know."

"You've seen the heated discussions online. The last TV series with big special effects seems to be the movie called "Feng Yun". The TV series ten years ago was invested with 200 million yuan, but the mainland actors' pay was pitifully low. Since then, some TV series and movies have also begun to use advanced special effects, but the films that came out are all at a loss." The man with glasses sitting to the left of Vice President Zhang suddenly spoke up.

What the man with glasses said is not without reason. Special effects production requires a lot of money and technical support. Under a limited budget, producers often need to weigh the plot, actors, special effects and other aspects. Sometimes, in order to ensure the attractiveness of the plot and actors, producers may sacrifice the quality of some special effects.

In addition, the domestic special effects production technology is relatively backward, lacking advanced production software and hardware equipment. This limits the presentation of special effects, making the special effects of domestic TV series and movies appear relatively rough visually.

Moreover, special effects production requires a lot of time and effort. During the tight shooting and post-production cycle, producers may lower the production standards of special effects in order to meet the deadline.

After all, the money given by investors is limited. How to make the movie sell well is what directors think about.

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, producers are more willing to invest money in actors' salaries.

Some audiences pay more attention to actors than to special effects, and the producers have no choice but to do so in order to cater to the preferences of this group of audiences.

Of course, this is not the key point. The key is still the issue of tax. Increasing the actors' pay can greatly reduce costs. It is for this reason that many actors have been exposed for tax evasion.

But in the final analysis, it is still a matter of industry habits. For a long time, the domestic film and television industry has formed a practice of valuing actors and despising special effects. This makes the producers only consider the actors when allocating budgets.

The current domestic film market has developed a style where the lack of big-name actors means zero publicity, and no matter how good a film is, it will only be watched if others know about it, so it is natural to make a loss.

"I watched those movies. The special effects were pretty good. Were they made by foreign teams? But with so many pirated copies now, I think it will be hard to make a profit. After a long time, they will find that they will lose money, and the matter will be over. Is it necessary to bombard others online?" Vice President Zhang looked at the bald man who had spoken before.

Although Zhang Dali is the vice president, most people call him the president. I don't know if this bald guy was angry today, and he actually added the word "vice" to his name. This made Zhang Dali feel a little unhappy.

"No, Vice President Zhang, listen to me. From what I have inquired, their special effects production team didn't spend much money. If we give them a chance, the consequences will be unimaginable." The bald man explained quickly.

"Oh? Who did you listen to?"

"It's Mr. Yang, who is also the investor of our TV series!" The bald man quickly introduced the young man next to him to Vice President Zhang. (End of this chapter)