Rebirth started in 2004

Chapter 370 Internet Inclusive Finance

In the capital, after Chen Wei hung up the phone, he changed into casual clothes.

When he was away, Chen Wei was always serious, but when he was at home, he was straight and bohemian.

Anyway, it must be how comfortable it is.

Chen Wei, who had changed his clothes, did not go downstairs, but sat on the bed with a tablet in his hand and began to check the situation of Yanghe City Commercial Bank.

In Chen Wei's memory, there was no such incident at all.

It shows that in the end, the Yanghe City Commercial Bank was resolved without attracting too much attention.

A problem that can be solved in this way is not a big problem.

When the problems are exposed, they are often big problems that cannot be covered up.

Things that can be covered up have already been covered up.

Chen Wei understood this point very well.

Chen Wei was about to swipe the screen slowly with his fingers when he felt a slight shock from the mattress.

An orange cat jumped onto the bed.

Chen Wei raised his hand, and the orange cat rubbed its head on Chen Wei's hand.

In other words, aren't cihuamao naturally arrogant and not very close to people?

Anyway, Chen Wei didn't feel this way. If the door was not closed at night, there would definitely be two cats on the bed.

During the day, the favorite place for the two cats to stay is next to the radiator.

Hearing the cooing sound of the big orange, Chen Wei couldn't help but smile.

Soon, the flower cat also came running.

The two cats lay quietly beside Chen Wei, and Chen Wei was already used to this scene.

They seem to be quite close to Chen Wei.

Chen Wei was surprised by this.

While stroking the cat with one hand, Chen Wei looked at the mail.

Although Qingyuan Group has raised a considerable amount of funds from the Yanghe City Commercial Bank, it is not too extreme to do.

Compared with some enterprises, Qingyuan Group can be described as being disciplined.

Qingyuan Group follows the rules, so it should have a direct relationship with Liu Changqing.

Liu Changqing is only 45 years old this year. According to the average age of people today, Liu Changqing can live at least 30 years.

more than 40 years old, for a man with career pursuits, it can be said to be at the peak age.

There are still infinite possibilities for his future and career, so Liu Changqing will leave room for things.

Looking at Liu Changqing's photo, I don't know if this photo is P or not, but he looks like a decent person.

If you give him some more time, the development of Qingyuan Group will be limitless!
The next ten years will be a period of great expansion of the wealth of the entire society. With the increase of social wealth, ordinary people will feel that life is easier, but for the rich who occupy most of the social wealth, their own wealth will expand rapidly.

Chen Wei picked up the notebook next to it, and there was a pen in it. Usually, he would write down some things he thought of on it.

Chen Wei didn't know much about the business of the bank. He knew that the main business of the bank was to use depositors' deposits to give loans to others.

There is a difference between the deposit interest and the loan interest. For example, the deposit interest is 2.5%, and the loan interest is 4.9%. There is an interest difference of 2.4%.

This becomes the bank's profit.

Among all A-share listed companies, the profits of the banking industry far exceed those of other companies.

Being a bank is extremely profitable.

Therefore, eating Yanghe City Commercial Bank, even if it does not do other things, is a project worth investing in in terms of its profit-making efficiency.

If we say that in the future, the capital flow of Hengtong Group's enterprises will be carried out through Hengtong Bank, which will be an extremely huge cash flow.

As far as the money on Hengtong Technology's books is concerned, it is scary.

With a well-funded bank, you can do many things.

Of course, Chen Wei naturally didn't want to say that the future Hengtong Bank would only do some traditional business.

There are other things that can be done.

For example, the field of Internet finance.

The banks in Huaguo really had such a good life that they didn't roll up at all.

You can make money while lying down, why sit up?
Sitting can make money, why stand?
You can make money standing up, why run?
When you can't make money by running, you can only ride a bicycle.

If the bike doesn’t work, change to a car, if the car doesn’t work, change to a high-speed train, and then a plane!

Anyway, it is necessary to compete for the level of the industry to be able to develop.

Therefore, there is currently a lack of a catfish to disrupt the situation in the entire financial market.

A smile appeared on the corner of Chen Wei's mouth, he seemed to understand!

Write four words on the notebook: Internet Finance!

This is a catfish!
The development of Internet finance has not been hindered because the country wants this catfish to stir up the market.

Is the so-called Internet finance really that magical?

Not necessarily.

It can only be said that some things, as long as they are connected with the Internet, seem to be tall.

In fact, it is to let some financial services go online, and with the support of Internet technology, the process of things is simplified.

For banks, what is the most troublesome thing about lending to individuals?
Of course, it is to determine a personal credit situation.

However, under the analysis of big data, what is a person's credit status can be directly reflected by the score.

Internet finance is said to be an inclusive financial service, but the daily interest rate of [-] and the annual interest rate are more than ten percent. Is this considered inclusive finance?
Blacker than a bank!
As for Chen Wei, he planned to directly use the borrowing service, directly borrowing money from the bank.

Therefore, the investment in Yanghe City Commercial Bank cannot be said to be in the name of Hengtong Group alone, and Jiutian Financial must also invest in shares.

As for the company Jiutian Financial, we must talk about it carefully. Now Jiutian Financial is a financial company held by Hengtong Group, Penguin and several state-owned shareholders.

And Jiupay is under the banner of Jiutian Financial.

After Xiaoju Technology completed the merger with Penguin, New Penguin divided some internal businesses, that is, divided the previous payment business into Jiutian Financial.

In addition to dividing the payment business, Penguin will also directly divest the e-commerce business.

Penguin's own e-commerce business is simply rotten. A lot of resources have been invested in it, but it has not achieved the expected results.

The divested e-commerce business will be merged with Jinggou, and Penguin will also invest in Jinggou.

It is worth looking forward to what kind of results will be achieved when Jinggou gets drainage from penguins in 2011.

As for the staggered shareholding structure of its subsidiaries, Chen Wei is a little too lazy to deal with it now.

In fact, Chen Wei didn't deliberately engage in any complicated shareholding structure.

Some business owners, in order not to let the outside world know how much money they have, anyway make the company's equity structure extremely complicated.

If you want to make it clear, you have to spend a lot of thought on it.

Some companies will directly register in places like the Cayman Islands. Anyway, the final result is one: the investigation is unclear.

Chen Wei registered all his companies in China.

The shareholding structure of Chen Wei's company is quite clear, and it can be seen clearly at a glance.

There is no such thing as a mysterious shareholder.

Either state-owned assets or investment companies.

Everything is on the bright side.

"Yo, it's quite free!"

Chen Wei closed the notebook, and looked sideways at Yang Mengxiao: "Why, the discussion is over?"

Yang Mengxiao sat sideways on the edge of the bed and reached out to pet the two cats. She also liked the two cats.

Mainly, two cats are smart enough.

"Well, Tao Muqing and I are going to go to the company to have someone perfect the plan."

Chen Wei: "Why don't you wait for them to come up with a plan first, and then comment on changes after reading the plan they gave?"

(End of this chapter)