I Won a Prize of 100 Million at the Beginning, and I Became a Capital Boss

Chapter 181 Obtained the first financial license!

Zheng Wentong asked Xu Ru, "What's the matter, talking nonsense?"

Xu Ru sat down and said, "Like other leading small loan companies, China Transcript has launched an instant loan business this year. This instant loan model does not require manual approval, and can be credited in seconds through big data and PBOC credit reports. "

"As a result, after this model was launched, Zhongyanxin sorted out and found that in addition to the normal repayment of the first installment of the loan, these borrowers experienced large-scale overdue later on. This is an organized campaign against the second loan product. Fraud."

"After the incident, China Transcript immediately suspended the approval of the Instant Loan product. In order to prevent similar incidents from happening again, China Transcript is formulating stricter application and approval requirements, and plans to launch similar products in a few months. "

"This is obviously a fraudulent loan case involving internal and external collusion. The initial estimated loss is about 3000 million yuan, and China Transcript has already made a special risk reserve of 3000 million yuan." Xu Ru said.

Zheng Wentong knows how China Transcript has come to the current predicament step by step. On December 12 last year, multiple departments jointly issued the "Guiding Opinions on Promoting the Healthy Development of Internet Finance".

On December 12, the regulatory agency and the Internet Finance Association issued the "Notice on Strictly Prohibiting "Routine Loans" and "Yin-Yang Contracts" and other Illegal Borrowing Financial Activities.

According to the requirements of the notice, small loan companies, online loan companies and consumer finance companies operate in strict accordance with laws and regulations. The annual comprehensive interest rate shall not exceed 24%. Yin and Yang contracts shall not be signed, and fees shall not be charged outside the contract. The original loan contract must be given to the loan The online lending platform must provide an electronic version of the loan contract for the borrower to download.

Under the guidance and notice, China Transcript and other small loan companies were forced to carry out business transformation ahead of schedule.

Zhongyanxin has stopped opening new offline stores and reduced its offline stock business, so it and other companies have launched a pure online product, Second Loan.

However, after all, China Transcript does not have a complete risk control system like Ant Group. Before this product was launched, it had already been targeted by interested people.

This method of defrauding loans is very simple, looking for a group of middle-aged and elderly people who are debt-free and have a low education level.

This group of people is concentrated between the ages of 30 and 50. They are married, have housing, and have income records. Professional intermediaries help them disguise work certificates and other relevant loan application materials.

After the loan is paid off, the intermediaries will give the borrower a batch of favor fees, remind the borrower to change the mobile phone number, and then run away with the money.This kind of situation not only happens in China Transcript, but also in other online lending platforms.

Zheng Wentong said to Xu Ru: "I'm sure that although China Transcript will report the case to the public security agency, it will never be kind enough to take the initiative to inform the lender. The 3000 million loaned by those investors is likely to be wasted just like that. .”

"It's impossible to cover the lid. Mr. Hou still needs me to help him at this time and give him ideas." Zheng Wentong said.

"Contact Zheng Qingshan here and ask him to go to China to transcribe the letter with me. Don't go there today. I'm afraid I'll scare you if you tear yourself apart." Zheng Wentong said.

Xu Ru smiled sweetly. She really wanted to see Zheng Wentong's face torn apart. After all, Zheng Wentong was still very approachable in the company. He had only fired back twice after starting the company for a year and a half.

On the afternoon of the 25th, Zheng Wentong, Zheng Qingshan and his party suddenly appeared in the office building of China Transcription Letter. Hou Hongbo was very surprised. He felt that Zheng Wentong was coming aggressively and with malicious intentions.

Hou Hongbo smiled all over his face, "Mr. Zheng, you are a very busy person. I didn't even ask you to come here before. How can I come here today to check on the work?"

"Haha, I've reviewed myself here, and I've really neglected Zhongyanxin too much. Yanxin Business just increased its capital and became the second largest shareholder of Zhongyanxin, but then it broke out in fraudulent loans. If Someone didn't inform me, I'm afraid I'm still kept in the dark by Mr. Hou!" Zheng Wentong said in a bad tone.

Hou Hongbo cursed inwardly, Zheng Wentong really has malicious intentions. Although Transcendent Business is a shareholder of China Transcendent, it has not arranged for anyone to work in the workplace of China Transcendent.

But since Zheng Wentong was so quick to hear the news, it is obvious that Zheng Wentong has already placed a manpower in Zhongyanxin to watch the company's every move, and this person is at least a manager-level executive. Ordinary employees will not know this fraudulent loan. Insider.

Hou Hongbo secretly resented, if this turmoil can be subsided, he must find out this second-five boy inside the company, give him a good meal, hunt geese all day long, and let the geese peck his eyes.

Hou Hongbo didn't want to tear himself apart with Zheng Wentong in the workplace, so he invited Zheng Wentong to the conference room for a meeting. Apart from him, Zhou Bo, the No. [-] person in China Transcript, also attended the closed-door meeting.

The employees of China Transcription Letter did not know the outcome of the meeting, but the quarrel in the meeting room was loud, and it almost affected the employees who were conducting sales calls outside.

Hou Hongbo suppressed his anger, "Mr. Zheng, why do you have to force others to be difficult? You don't really think about me, don't you think about our major shareholder Rongxin Industrial Fund? We are a subsidiary of Rongxin Group!"

Zheng Wentong leaned back in his chair, not paying attention to Hou Hongbo's verbal threat, "You think I'm a scare? Return to Rongxin Group?"

"Go out now and talk to the employees who are calling outside, and ask them to change their opening remarks. We are Zhongyanxin, a subsidiary of Rongxin Group. Like Rongxin Bank, we are both subsidiaries of Rongxin Group. You give How about I immediately let go of the 3000 million losses caused by the company?" Zheng Wentong said.

Hou Hongbo was imposing. Rongxin Industrial Fund had already transferred 18% of its shares to Yanxin Business, and was already planning to cash out and leave the market. He was eager to get rid of the relationship between Zhongyanxin and Rongxin. How could he stand up for him?

If the telemarketing employees adopt this kind of illegal opening speech, Hou Hongbo suspects that tomorrow will usher in a shutdown for rectification.

"Mr. Hou, in the Internet finance industry, you are the senior, and I am the junior. I still remember the first World Internet Conference, we talked very happily. Mr. Hou also taught me a lot of management experience in small loan companies, which benefited me a lot. A lot." Zheng Wentong spoke sincerely.

"Hahaha, I didn't expect it at the beginning. I just wanted to make an investment for the company, but I didn't expect that it would be to lure wolves into the house. Now you actually want to turn against customers and drive me out of this company." Hou Hongbo was extremely angry.

"Mr. Hou, in fact, it is relatively easy to apply for a small loan license now. Yudu City and Jiangxi Province still have relatively strong approval for Internet small loan licenses. Why don't you start over with a sum of money?" Zheng Wentong said.

"Mr. Zheng, your family has a big business. I believe that with your ability, it is not difficult to apply for a small loan license in Jiangxi Province and Yudu City. Why bother me here?" Hou Hongbo tried to soften Zheng Wentong's attitude.

"Mr. Hou, you are right. But my purpose is not limited to a small loan license. After I get the small loan license from China Tran Letter, I can apply for a consumer finance license next year."

"If I wait until I apply for a small loan license, I will have to operate this small loan company for three years before I can apply for a consumer finance license. It's too long and I can't wait." Zheng Wentong replied.

"Then you don't need to kick me out. I also want to apply for a consumer finance license. Wouldn't it be good for us to apply for a consumer finance license next year?" Hou Hongbo tried to speak softly.

"In fact, I have also considered jointly applying for a consumer gold license with Mr. Hou, but this involves the question of who should listen to our two shareholders. I have thought about it carefully. Mr. Hou and I are both the kind If you are my second-in-command, I am worried that you will come back against me one day." Zheng Wentong said very bluntly.

"Mr. Hou, don't blame me. You can only blame your company for developing too fast. According to my estimation, your operating income of China Transcript in December this year has just reached the threshold for applying for a consumer finance company license." Zheng Wentong said.

"Then you don't need to be in a hurry to pick peaches now, right?" Hou Hongbo was indignant.

"Originally, I wasn't in such a hurry. After all, it's only the end of April. But who told Mr. Hou to be dishonest and flirt with Zheng Anguo all the time."

"I didn't expect that Zheng Anguo, a guy with thick eyebrows and big eyes, also rebelled. Mr. Hou, are you curious why Zheng Anguo didn't come here today? Qingshan, you and Mr. Hou have held several meetings together, explain to him Confused."

Zheng Qingshan smiled, "It's like this. Zheng Anguo's lover, Liang Hongxia, sued Zheng Anguo in our Tongji County Court for divorce because of his infidelity in marriage. We have already dismissed Zheng Anguo's general manager. Duty, until the lawsuit is settled, there is no way to help you, Mr. Hou, with the affairs of transcribing the letter."

Zheng Wentong stood next to Hou Hongbo, "Arranging manpower for the letter transcribing business, deliberately indulging and even encouraging them to violently urge and collect, trying to hold my handle? Mr. Hou, these routines you play, my dad did it ten years ago. Stop playing."

"A borrower's loan cycle is 36 months, and your letter opened in January 14, from 1 to 0 months, from 6 to 6 months, from 12 to 12 months, and the borrowers in the third stage are overdue rate is the highest."

"The overdue rate of your letter-transferring business has increased significantly in the past six months, so the income of the letter-transferring business has only increased month by month."

"The problem now is that if you don't transfer the company to me, then tomorrow there will be a concentrated report on the fraudulent loans in the news media. The loss of 3000 million yuan is actually not a big deal, but if you lose the trust of the lender, They all have to withdraw cash from the sack wealth management and leave, and if there is a run-on situation, it may take less than a month, and both Zhongyi letter and sack wealth management will go bankrupt."

"Because of the Shi Nanxiang case, the city has already begun to focus on checking whether Internet finance companies operate in compliance. You can resolve the risk of sack financial management by yourself. I only need the small loan license from China Transcript." Zheng Wentong said.

"But there is no sack to manage money, what kind of money do you use to lend to the borrower?" Hou Hongbo was puzzled.

"I don't need to worry about this aspect, Mr. Shanren has his own clever plan. For Mr. Hou, there is a wealth management platform, and you can apply for a small loan license, and there is hope for a comeback. After all, it is better to be familiar with it."

"Mr. Hou, think about it carefully, and communicate well with Rongxin Industrial Fund. Don't expect the lion to speak up, let alone threaten me to kill the fish and break the net. I can guarantee that the net will not be broken if the fish dies."

"I'm a very thieves, and I never give others any excuses. Even if there is a problem with the business of transcribing letters, at worst, I will kill my relatives and send Zheng Anguo in to stay for a few years."

"My patience is limited. I need to go on a business trip on May Day. I hope to hear the good news from Mr. Hou before I go on a business trip." Zheng Wentong said.

Before Zheng Wentong left, he stood next to Zhou Bo, the deputy general manager of China Transcript, and patted Zhou Bo on the shoulder, "I heard that the idea of ​​Second Loan was proposed by Vice President Zhou? It really is a genius idea. Letter reorganization, the new company needs excellent talents like you."

Hou Hongbo glared at Zhou Bo, and Zhou Bo quickly explained, "Why is Mr. Zheng trying to provoke the relationship between me and Mr. Hou at this time?"

On April 4, Ronshine Industrial Fund and Ronshine Industrial Fund held a signing ceremony in Puhai, and Ronshine Industrial Fund transferred 28% of the shares held by Zhongyanxin to Ramphill Investment at one time.Individual shareholders represented by Hou Hongbo also transferred the remaining 36% of the equity to Slope Investment.

The 70% equity was priced at a total of 7000 million yuan, and Zheng Wentong agreed that the new company would bear the 3000 million yuan loss of Second Loan.

On April 4, China Transcript completed the name change at the Industrial and Commercial Bureau, and became Puhai Huaxin Small Loan Co., Ltd., with Zheng Qingshan as its legal person.

The registered capital is 3 million yuan, with slope investment holding 98.5% and Liang Hongxia holding 1.5%. The registered address is Room 16, 1601th Floor, Pufa Building.

The reason why Liang Hongxia holds 1.5% of the shares is because Zheng Anguo previously held 5% of the equity of Tranxin Business, and Tranxin Commerce held 30% of the equity of Zhongyanxin.

Therefore, Zheng Anguo should hold 1.5% of the shares in Huaxin Microfinance, but Zheng Anguo, as the party at fault, was awarded this part of the equity to Liang Hongxia, and Liang Hongxia obtained the custody of her children, so Liang Hongxia held 1.5% of the shares in Huaxin Microfinance. .
At the same time, Zheng Wentong canceled the company of Transcendent Business, and all the employees of the original Transcendent were transferred to Huaxin Small Loan Co., Ltd.

Zheng Qingshan, as the new general manager of Huaxin Microfinance, immediately issued a notice below that all Huaxin Microfinance stores will stop adding new loans, and all offline stores will be closed before December 2016, 12, leaving only the non-performing debt disposal office.

The former employees of the Telemarketing Center of China Transcript were collectively transferred to Huaxin Insurance Brokers Co., Ltd. to engage in insurance telephone sales.If the employees do not agree to transfer, Huaxin Microfinance will go through the resignation procedures with these telesales employees and pay N+1 compensation.

After a year and a half of planning, the slope department finally got its first financial license, Huaxin Microfinance!

　The two changes are over, and there is no Chapter 3 today.Hulu has to go home during the National Day. The updates before the National Day are updated twice a day. We must save some manuscripts to ensure continuous updates during the National Day. After all, I haven’t seen my family for a long time. Please understand.

　　
　
(End of this chapter)