Winning the new financial era

Chapter 235

Facing the aging King Qian, Zhang Yida was very frank, and recounted what he had said with Li Chuan and other rich three generations on the yacht.

Li Wenzheng nodded again and again, his cloudy eyes radiated wisdom, and he said: "Your idea is correct, just like when we entered the mainland in the 90s. Trade technology for the market.

Compared with local Internet companies in Indonesia, Internet companies in mainland China have a market value of tens of billions to hundreds of billions of dollars.

Whether it is technology, capital, or business model, it is far superior to Indonesian local Internet companies. "

"That's right!" Zhang Yida was not modest, and said, "The domestic Internet dividend has basically reached its peak. To seek development, we must go abroad and go to a wider world.

Regardless of the European and American markets, the Southeast Asian market that is closest to the mainland must be won. "

Li Wenzheng suddenly coughed again and again, and Li Chuan who was sitting beside him hurriedly got up, handed the hot tea on the table to his grandfather, and stroked the old man's back.

After Li Wenzheng took a sip of tea, he took a big breath of fresh air, calmed down after a long while, and said to Zhang Yida: "Mr. Zhang laughed, I am eighty-seven this year, and if I can live an extra day, I will earn an extra day."

"Old Li is serious, I think you are so energetic, you must be a blessed person with a long life."

Zhang Yida knew that Li Wenzheng had undergone heart bypass surgery in the 80s. According to his family background, he enjoyed the world's top medical services. As long as he is willing to spend money to live a long life, there is a high probability that he can do it.

"Haha." Li Wenzheng waved his hand and said, "It's enough to live to this day. Seeing the prosperity of the motherland and the prosperity of the family, this life is worth it.

I have been keeping pace with the times and paying attention to nanotechnology, digital technology, and the Internet, but I just don't want to be abandoned by the times.

Live to be old, learn to be old. "

"Mr. Zhang, how much do you plan to raise from the third phase of the industrial fund?" Li Wenzheng asked again.

"The initial plan is 10 billion US dollars. Our operation method will be different from general financial investment, mainly for industrialization investment, including mobile payment, e-commerce, travel, Internet finance and other fields.

While investing, we will also bring China's domestic advanced technologies, products, and models to Southeast Asia.

Of course, it is not limited to the Southeast Asian market. We also have investments in Japan, South Korea, and India. Next, we will set our sights on Africa, South America and other regions. "

Li Wenzheng nodded slightly, and said, "I heard from Xiao Chuan that the company RPay is also owned by you?"

"Yes." Zhang Yida explained: "Last year, we established this company jointly with three local Internet companies in Indonesia."

"It's very convenient to scan the code to pay. As far as I know, Ruixiang's core product is also this magic treasure payment."

Before Li Wenzheng met with Zhang Yida, he asked someone to collect information on Zhang Yida and his company, so he still had some understanding of Mobao Pay.

Seeing that the other party knew Rui Xiang so well, Zhang Yida also knew that he must have studied his own, otherwise how could he have made an appointment with him so carelessly.

"Yes, mobile payment can be called the most important product of Ruixiang Group, and it assumes the role of gathering users and traffic for the entire group.

If there is no Mobao payment, no matter how good Ruixiang's other products are, they will be rootless and unable to retain users. "

Li Wenzheng nodded to express his understanding, and asked again: "So this most important product was taken to sea by you?"

"Other products are not suitable for landing due to the Internet infrastructure in Southeast Asia.

Therefore, RPay is the first product we launched in the first place. If the follow-up development goes smoothly, a whole set of services including wealth management, consumer finance, and big data credit investigation will be transplanted, which will be on par with the domestic market. "

"But I have a doubt, since you have RPay, why did you jointly establish GrabPay with Grab?"

Zhang Yida thought to himself, this old man is really shrewd, as expected of a veteran who has been in the shopping mall for nearly 70 years, he has found out his own details.

"There are mainly two considerations! There are 11 countries in Southeast Asia, and each country has different policies, languages, and customs. Localized operations are very important, and this is one of them.

The second is to diversify risks and not put all eggs in one basket.

In the future, when the business of the two major payment companies collides, or the situation becomes clear, they will consider merging the two major payment companies to establish their position in the entire Southeast Asia in one fell swoop. "

Li Wenzheng smiled "haha" and said, "You kid is very slippery."

He asked again: "If you take our Lippo Group as a shareholder, what benefits can we gain?"

Zhang Yida thought for a while, and replied: "Ruixiang's current valuation is 275 billion US dollars. If RPay can achieve the No. Can't run away.

In addition to obtaining rich financial returns, RPay can also cooperate with banks and financial companies under the Lippo Group.

Ruixiang has 7 major financial supermarkets in China, and has business cooperation with many domestic banks, including wealth management products, loan products, credit cards and other aspects.

Now is the digital age, and banks under the Lippo Group can also take advantage of this shareholder style to complete digital transformation and take their banking business to a higher level. "

Zhang Yida's words touched Li Wenzheng's heart. He has encountered five bank runs in his life in order to resist risks and better inherit the family wealth.

Diversified development began in 1998, and Lippo Group has entered many fields such as real estate, insurance, and securities.

Today, the diversified business has developed very successfully, but the financial business still accounts for 70% of Lippo Group's business volume.

Therefore, he has paid special attention to the development of Internet finance in recent years, fearing that new technologies will subvert traditional banks and financial companies like them.

"How many shares of Lippo Group can RPay give us?"

Zhang Yida and Li Wenzheng looked at each other, and said slowly: "The specific shares need to be discussed with the other three major shareholders tomorrow.

But Ruixiang must hold shares, and only we can ensure that RPay is always on the leading and correct path. "

Zhang Yida's words revealed a strong confidence, and Li Wenzheng was also deeply affected, and sighed: "Actually, Lippo Group also has an idea to launch a mobile payment software.

But since there are RPay gems ahead, we will hurt our family members if we launch it again.

As long as Mr. Zhang agrees that we hold more than 20% of the shares, we will cancel the original plan. "

"20% shares is a bit high." Zhang Yida shook his head and said.

Seeing that Li Wen was frowning tightly, Zhang Yida went on to say: "Mr. Li, don't get me wrong, in addition to Lippo Group, Sitai Group also wants to invest in RPay.

In addition, there are other three major shareholders in the company, so the shares are not easy to distribute! "

"We will pay together with Jinguang Group to acquire the shares held by the other three major shareholders at a premium, isn't it good?"

Upon hearing Li Wenzheng's words, Zhang Yida knew that the other party underestimated the important role played by the other three major shareholders of RPay in the process of business development.

So Zhang Yida explained to him: "The three major shareholders are e-commerce, online travel, and Internet companies in the taxi-hailing field. Their presence has greatly enriched our mobile payment business scenarios.

In Indonesia, the three of them should be regarded as the largest Internet companies.

If they are excluded, they will start a new business after changing hands, which is likely to bring a lot of unnecessary trouble to RPay.

It is very likely that when we were still fighting with them in Indonesia, other competitors had already won most of the Southeast Asian market.As a result, we missed opportunities for development.

For RPay, the most precious thing is development time.Therefore, we must unite all forces that can be united, instead of setting up opponents for ourselves. "

Zhang Yida will never abandon the other three shareholders, especially GoJek, whose founder comes from a political family, and GoPay, which was developed in his previous life, has become the largest mobile payment company in Indonesia.

For RPay, the application scenarios of the three major Internet companies are needed, as well as the bank resources of Lippo Group and local contacts.

In short, everyone is an indispensable part.

"That's because I was negligent, let Xiao Chuan contact them first tomorrow!"

Li Wenzheng has been immersed in business for decades, and he understood the truth when he heard Zhang Yida's words.

As for Lippo Group setting up its own mobile payment company, he no longer has much hope at this time.

Without him, with Ruixiang Group supporting RPay, their chances of winning are not great. The opponent's funds are not less than Lippo Group, and the technology and model are even more advanced.

In this case, fighting with RPay is a thankless task.

Li Wenzheng kept Zhang Yida at his home and had lunch together.

The food is very rich, in addition to the special seafood in Southeast Asia, there are also many Chinese dishes.

After the guests and hosts enjoyed themselves, Li Chuan sent a car to take Zhang Yida to the collapsed hotel.

After seeing Zhang Yida off, Li Chuan came to Li Wenzheng's study, ready to wait for his grandfather's arrangement.

"Is it finished?" Li Wenzheng was immersed in writing calligraphy, when he saw his grandson enter the room, he raised his head and asked.

Li Chuan nodded and said, "It has been sent to the hotel."

Li Wenzheng said again: "What do you think of Zhang Yida?"

Li Chuan recalled the contact with Zhang Yida in the past few days, and after a long while, he commented: "He is good at integrating forces and has outstanding business ability. He is a character."

Li Wenzheng put down the writing brush in his hand, wiped his hands with the towel next to him, and said, "I originally planned that our Lippo Group would launch mobile payment products alone, but after meeting him, I changed my mind.

Investing in RPay may be more suitable than doing it ourselves.

I have studied his family history, and it took less than 3 years to get to this point, he is indeed a talented person. "

"In addition to investing in RPay, how much money should we invest in his industrial fund?"

Li Chuan also agreed with his grandfather's vision, and asked about the investment from the industrial fund.

"$1 billion!"

Li Chuan exclaimed: "So many?"

"Not much, not much, you see, the other companies may have invested more than us."

Li Wenzheng waved his hand. The more he studied Zhang Yida, the more frightened he became. He felt that Zhang Yida had been a godsend these years. Whether it was his own development projects or investment projects, they all had one thing in common, and the success rate was extremely high.

　Today I finally changed my signing status, and I will continue to work hard later.Thank you for your small flaws, set sail 888, the two brothers for their rewards! ????
　　
　
(End of this chapter)