Winning the new financial era

Chapter 230 Licensed consumer money
"What party?" Zhang Yida asked Chen Bingyao.

"A gathering of Chinese children from Singapore, Malaysia, Indonesia, Thailand and many other places." Chen Bingyao said.

"Is it appropriate for me to go to the gathering of your chaebol's children?"

Chen Bingyao shook his head and said with a smile: "I will introduce some friends to you, which will be very helpful for you to open up the market in Southeast Asia.

Besides, you are also the best entrepreneurial youth in China, and they all want to meet you.

We are all young people, just make friends. "

"That's fine! Then thank you for your kind invitation." Zhang Yida didn't hesitate and agreed directly.

He is aware of the power of the Chinese chaebol in Southeast Asia. The political influence may be close, but the economic influence is absolutely nothing to say.

If you can get acquainted with some children of Chinese chaebols, Ruixiang, Yimin Wangjin, and Doushi, it will be much easier to go overseas.

……

The next day.

9 pm.

Zhang Yida and Chen Bingyao came to the port together. After getting off the car, Zhang Yida saw a tens of meters long luxury yacht docked in the port.

Chen Bingyao pointed to the yacht and introduced: "This is the yacht of the Guo family, Lyra."

"The Guo family? Kerry or Hong Leong?"

In Zhang Yida's impression, there are many chaebol families surnamed Guo in Southeast Asia, and there are three most famous ones.

One is the Guo family of the Kerry Group with Guo Henian, the richest man in Malaysia, as the core, the other is the Guo family of Hong Leong Group in Singapore founded by Guo Fangfeng, and the other is the Hong Leong Group of Malaysia founded by Guo Fangfeng's nephew Guo Lingcan after the separation.

Needless to say, the Guo Henian family, the richest man in Malaysia, the "Hotel King" and "Asian Sugar King", Shangri-La Hotel, and Arowana cooking oil are all owned by their family.

Singapore's Hong Leong Group is mainly engaged in hotels, real estate, banking and finance, and has more than a dozen listed companies.

Malaysia's Hong Leong Group, the second richest in Malaysia after the Guo Henian family, owns 13 listed companies in Malaysia, Singapore, the Philippines and Hong Kong.

"Singapore's Hong Leong branch, the host of today's banquet is Guo Yisheng, the third generation successor."

Chen Bingyao introduced Zhang Yida as he walked.

The two walked into the yacht, and Zhang Yida saw a dozen well-dressed men and women sitting on the luxurious yacht sofa, all of whom should be in their 30s or [-]s.

"Bingyao, why are you here?" A man in his thirties greeted Chen Bingyao in Hokkien.

"Brother Yisheng, let me introduce you. This is Mr. Zhang Yida from mainland China, the chairman of Ruixiang Financial Technology Group."

Chen Bingyao introduced the person to greet Zhang Yida again, and he said, "Yida, this is Mr. Guo Yisheng."

Zhang Yida and Guo Yisheng shook hands, the latter nodded to him with a smile, and said, "I've heard of Mr. Zhang Yida's name for a long time, it's a pleasure to meet you."

"Mr. Guo has won the award, and it is a pleasure to meet you."

Zhang Yida looked at the calm and upright Guo Yisheng in front of him, and he couldn't help but sigh in his heart. There is a reason why he has been rich for three generations. All his children have received a very high-level education.

Not to mention talent, the aspect of temperament is very tight.

"Yida, come to Singapore, why didn't you say hello to me?"

Li Hengbo, who was sitting on the sofa, stood up and walked over while talking.

"Hengbo, do you know Mr. Zhang Yida?" Guo Yisheng asked curiously.

"Of course! We are old friends." After speaking, Li Hengbo turned to look at Zhang Yida and said, "Yida, are you right?"

"Hehe." Zhang Yida chuckled and explained, "Temasek is our sharp investor."

"Oh!" Guo Yisheng nodded, expressing his understanding.He also knows that Temasek has invested extensively. It is quite normal to invest in a financial technology company in mainland China.

Then Guo Yisheng introduced other people to Zhang Yida:
"This is the Indonesian Jinguang Group..."

"This is the Indonesian Salim Group..."

"This is the Indonesian Astra Group..."

"This is the Indonesian Pinji Group..."

……

Zhang Yida shook hands with the third and fourth generations and said hello.

"This is my cousin, Guo Huiqi."

Guo Yisheng introduced Zhang Yida to a girl sitting at the end of the sofa.

Guo Huiqi is 23 or [-] years old, and she is stylishly dressed. She stood up and shook hands with Zhang Yida, and said, "Mr. Zhang, hello, I am also in finance. We can communicate more in the future."

"Really?" Zhang Yida smiled and asked again: "Which part is Miss Guo in charge of?"

"I am responsible for the family's asset management work, mainly biased towards the banking industry."

Zhang Yida's heart moved, and he asked again: "It seems that Rongcheng Bank also has shares in Hong Leong, Malaysia, doesn't it?"

Guo Huiqi smiled and said: "Yes, we became a shareholder of Rongcheng Bank in 07 and have not reduced our holdings. We are currently the second largest shareholder.

Mr. Zhang, you seem to know our company very well! "

"Actually, I don't know much about it." Zhang Yida added: "Because my hometown is Rongcheng, I know a little more about the banks in my hometown."

"Oh, that's it!" Guo Huiqi nodded, and said, "I have studied your career path, it's amazing. You seem to be still in college!"

"Haha" Zhang Yida smiled and said, "That's right!"

Guo Huiqi looked at Zhang Yida with a look of incomprehension, and asked, "Why do you say it counts?"

"I basically didn't go to class, so I can't be considered a qualified student." Zhang Yida explained to her.

"Is there such an operation? Your school really loves you so much!"

Guo Huiqi added: "I heard from Chen Bingyao that Ruixiang Group is aggressively deploying the Southeast Asian market?"

"It is mainly based on investment and launching joint ventures. Southeast Asia is a market that we value very much."

"It's because China's Internet market dividends have dried up, and we need to look for new incremental markets outside."

Zhang Yida looked at the girl in front of him with admiration, and said, "You seem to understand the Chinese Internet market very well."

Guo Huiqi smiled and said: "Then you are flattering me too much. I just have a little research on China's commercial market because of work."

"Shouldn't it be more research on the banking industry?" Zhang Yida asked her back.

"Compared with traditional banks, I am more interested in Internet finance."

Guo Huiqi sighed, looked at Zhang Yida and said, "In your opinion, we children of chaebols may have nothing to worry about, so we just wait for the succession.

But we are also under a lot of pressure. On the one hand, it is not so easy to take over the class, and on the other hand, sometimes we want to break through on our own. "

"Like Chen Bingyao?"

Zhang Yida shook his head with a smile, this is because he is in the blessing and does not know the blessing!What's wrong with lying down?
Guo Huiqi thought that Zhang Yida was laughing at her, so she said brows upside down: "You were not born in this kind of family, you don't know the situation of big families."

Zhang Yida looked at her with his head turned, and said, "Don't look down on me. I can barely be considered a rich second generation. Although my family property is a few zeros less than yours, in China, it is also in the top 4 million of more than 100 million families. famous family."

"Ha ha!"

Guo Huiqi clasped her fists in both hands and said, "I'm sorry, I'm sorry!"

After making a few jokes, the two got to know each other a lot.

Zhang Yida smiled and said, "Since you want to start your own business, why don't you try it yourself? Is it because your family doesn't support it?"

Guo Huiqi smiled but didn't answer. How can someone start a business so easily? It's okay to succeed, but it's embarrassing for the family to fail.

"Hong Leong Group and Rongcheng Bank jointly established a licensed consumer finance company called Jincheng Consumer Finance Company. Have you heard about this company?"

Guo Huiqi immediately became vigilant. She looked at Zhang Yida and asked, "Mr. Zhang, you really know our industry very well."

Knowing that the other party misunderstood him, Zhang Yida shook his head and said, "Jincheng Consumer Finance Company is one of the few licensed consumer finance companies, of course I understand it very well.

To some extent, Yimin Wangjin is still a competitor with it. "

Guo Huiqi signaled Zhang Yida to continue, Zhang Yida smiled disdainfully and said, "Then do you know where their business growth rate ranks among the few licensed consumer finance companies currently open?
First, last. "

Guo Huiqi felt that she was about to figure out Zhang Yida's intentions, and looked at Zhang Yida and said, "What about Mr. Zhang's opinion?"

Zhang Yida sighed and said, "Do you know the value of that consumer finance license? If they do this, the value is a crime!"

Seeing Zhang Yida with a heartbroken face, Guo Huiqi thought to herself, it's not your company, why do you feel distressed?
Zhang Yida thinks completely differently, a licensed consumer finance company with 10 times leverage.This license is an invaluable treasure for Ruixiang and Yimin Wangjin.

The conditions for applying for this license are that non-financial enterprises have operating income of not less than 300 billion yuan in the most recent year, net assets of not less than 30% of total assets, and profits for two consecutive years...

Financial companies need more than 5 years of experience in consumer finance, total assets of 600 billion, and two consecutive years of profitability...

Then there is a common condition for the sponsoring shareholders, which is that they cannot transfer the equity they hold in the consumer finance company within 5 years.

Jincheng Consumer Finance Company was established in February 2010, this peach has ripened...

"Crime it! It's none of my business anyway." Guo Huiqi looked indifferent.

Zhang Yida said: "Don't you want to start your own business? Jincheng Consumer Finance is very suitable for you."

Guo Huiqi's expression changed, and she still pretended to be indifferent and said, "I'm not very interested."

"Miss Guo, do you know how many Internet finance companies in China are greedy for this license? Your current management team is too mediocre and incompetent.

The King's Number has been turned into bronze by them, which is sad and deplorable.

If you look at it again, Home Credit Consumer Finance, which is also a foreign company, has become the richest man in the country by lending money. "

Seeing Zhang Yida chattering endlessly, Guo Huiqi stopped him and said, "Speak up! Tell me what you think."

Zhang Yida was at a loss for words, looking at Guo Huiqi who was smiling at him.Secretly, it's too slick, it's okay now, it's taken care of.

(End of this chapter)