第1211章 消费信贷(第2 / 3页)
所以提前建立完全受他控制的商业帝国,是势在必行的,也是可以实现的。
现如今,岛国六大财团控制岛国百分之六十的公司资产,以及百分之五十五的总资本,百分之六十的消费渠道和百分之二十的就业人员。
平均下来,六大财团中每个财团控制了岛国百分之十的公司资产和不到百分之九的总资本。
如果现在岛国六大财团以外的公司和家族能够团结起来,肯定也是足以再成立两到三个媲美六大财团的财团,操作的空间是一直存在的。
区别只是在于,岛国六大财团不会愿意再见到新的财团出现,其他家族和公司即使联合起来,也不能齐心,无法全力抵御打压。
不过他们做不到的事情,夏禹却可以做得到,他一个人的意志就是财团的意志,如果能够在岛国立足成立财团,绝对是最团结的财团,即使是号称最团结的住友财团都远远比不上夏禹。
目标是好的,但是关键还是要有拿得出手的强力公司,才能够抵御其他财团的进攻。
而且他也得尽快吸收岛国的资本,才有足够的资金去主动发起进攻。
而资金来源,最根本的也是来自于全岛国民众,所以银行是最关键的,吸收储户的存款并充分运转起来,创造足够的收益。
银行吸储,是正规渠道,但是因为银行吸储利率低,所以吸储难度比较高,竞争压力大。
而另一条岛国政府允许的邪门歪道,夏禹也不打算错过。
岛国毕竟不是香江,夏禹行事可以无所顾忌,反正岛国人民不是他的同胞,岛国人自己下手都这么狠,他当然就更不会在意了。
他看中的那个邪道,正是消费信贷行业!
岛国消费信贷行业在六十年代开始崛起。
崛起的原因是银行只给大中企业放贷,对微型企业和个人消费信贷业务普遍不够重视,即使有相关的服务,要求也比较高,且手续繁琐。
同时,虽然岛国在1954年出台了《出资法》及《利率限制法》,但因执法不力,两部法律形同虚设。
监管的真空,加上正规消费信贷渠道的缺失,给岛国民间借贷的蓬勃发展提供了机会,各种小型消费信贷公司及其营业点遍布大街小巷。
最开始的雏形,为“百货店开展的按月分期付款服务”,主要推动者以零售企业和百货商店为主,所以后面这些消费信贷公司也以这种模式扩张。
岛国消费信贷行业之所以飞速发展,并且吸引各路牛鬼蛇神进入,就是因为岛国居民注重信用,因为贷款人不管多穷,都会想着还钱。
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