Winning the new financial era

Chapter 274
After seeing off Liu Chunhe, Zhang Yida welcomed his second guest, Antonio.

After chatting with Zhang Yida for a few words, he asked directly, "Mr. Zhang, are you serious about your intention to cooperate with Revolution Precrafted or invest in us?"

"Mr. Antonio, this is of course serious." Zhang Yida said with a smile, "I think modular houses are very interesting, and Ruixiang Industrial Fund can invest in you.

In terms of cooperation, if you want to enter the Chinese market, my company can help you with publicity and promotion. "

"Thank you so much."

Antonio is a rich second generation. His father is Joseton Antonio, the top [-] richest man in the Philippines, a well-known real estate tycoon.

Therefore, Antonio has no shortage of funds to start a business, and he values ​​the resources behind the venture capitalists more.

There are [-] chaebols in Southeast Asia standing behind Ruixiang Industrial Investment Fund, plus Temasek, there are [-] chaebols.

This is what Antonio values ​​most about Ruixiang Industrial Fund. He wants to use the resources of Ruixiang Industrial Fund investors in Southeast Asian countries to make his own prefabricated house business locally.

Zhang Yida chatted with him for a while, and agreed that a due diligence team would be sent to the Philippines to investigate his company in a few days. After completing a series of procedures, he would formally sign a shareholding agreement.

After seeing off Antonio, Zhang Yida lay on the sofa with a bright smile on his face.

On the first day of its establishment, this industry fund captured a unicorn, which is a good start and worthy of congratulations.

For this reason, Zhang Yida specially opened a bottle of red wine, sat by the floor-to-ceiling windows, facing the sea, and savored life carefully.

Before he thought he had enough of life, Song Caiwei came to report, "Mr. Zhang, Ms. Guo Huiqi is here."

"What is she here for?" Zhang Yida was a little surprised. After thinking about it, could it be the matter of the consumer finance company?

"Mr. Zhang, why are you so happy? I even tasted red wine."

Guo Huiqi walked into the living room in lotus steps.

"Miss Huiqi, please sit down."

Zhang Yida made a gesture of invitation, then pointed to the red wine, "Do you want some?"

"No." Guo Huiqi waved her hand lightly and joked, "I'm not as elegant as Mr. Zhang. But I only raised 25 billion US dollars, so it's worth celebrating."

Guo Huiqi mistakenly thought that Zhang Yida was celebrating the success of fundraising, and Zhang Yida didn't bother to explain.

"Miss Huiqi, you are looking for me... Could it be the matter of the consumer finance company?"

Guo Huiqi smiled lightly, "Mr. Zhang, you are so good at predicting things!"

Zhang Yida was refreshed after hearing this, and asked, "Is there any specific cooperation plan?"

"Jincheng Consumer Finance is held 51% by Rongcheng Bank, and Hong Leong Bank Malaysia holds 49%."

Guo Huiqi paused, and then said: "I mentioned to my father about Ruixiang's intention to invest in shares.

He has also communicated with Rongcheng Bank, and both of us are willing to transfer 10% of the shares to Ruixiang.

As for the transfer price, it will be calculated according to the actual capital contribution in 2010. "

Speaking of this, Guo Huiqi smiled and said, "Mr. Zhang, you have picked up a big deal. The valuation of Jincheng Consumer Finance is equivalent to that when it first opened six years ago, and it hasn't increased by a penny."

It's only 20%, Zhang Yida feels a little disgusted.This share makes it difficult for me to do things!
"Miss Huiqi, if you only transfer 20% of the shares, then Ruixiang may have to disappoint your kindness."

Zhang Yida's complexion also sank, the Rongcheng Bank and Malay Hong Leong Group really had a good plan.

Giving 20% ​​of the shares, I want to buy Ruixiang.

By investing in any consumer finance company, Ruixiang can inject technological genes into it. From financial product design to marketing and customer acquisition, to risk management, it can carry out comprehensive technological transformation, and the efficiency will be greatly improved.

To use an analogy, many consumer finance companies are still Xiaomi plus rifles, while Ruixiang is already airplanes plus tanks.

A customer of Jincheng Consumer Finance wants to apply for a loan, and needs to fill in a lot of paper loan application materials offline, and the review time is still very long, ranging from a few days to half a month or a month to complete the loan.

On the other hand, Ruixiang applies online, and the risk control system automatically grants credit, and the loan is completed in a few seconds.

This work efficiency and technological strength are completely unmatched.

Guo Huiqi smiled and said nothing.She began to think back to the scene of the conversation with her father that day.

……

"Hui Qi, all the loans issued by Rui to the group are completed through mobile phones. Is this reliable?"

After getting all the business introduction materials of Rui to the group, Guo's father read it carefully, and then asked about his daughter.

"This is normal, because now is the era of big data, and there is a subsidiary under the Ruixiang Group called "Mung Bean Credit", which specializes in collecting various life and consumption data of users, and then scoring users' credit ratings.

Ruixiang Group then grants loan credit and risk pricing to users based on Mung Bean's credit score. "

Father Guo asked again: "Then how do you get these living and consumption data? And what are the specific ones?"

Guo Huiqi explained: "Mung Bean Credit has carried out enterprise-level cooperation with external parties.

For example, we have cooperated with some online lending companies.When a user applies for a loan on the online loan platform, he will fill in his identity information.

After obtaining the user's authorization, the online loan platform will submit the user's identity information to Mung Bean Credit, and Mung Bean Credit will provide feedback on the credit investigation report.

In this way, it not only facilitates the risk management of the online lending platform, but also enriches the database of Mung Bean Credit.

The more borrowing platforms Mung Bean credit cooperation has, the clearer it can understand each user's joint debt situation.

A user who often authorizes the lending platform to inquire about Mung Bean's credit score must be a frequent borrower.This kind of user risk is very high.

In addition, if a user's loan is overdue, Mung Bean Credit will also collect this information.

After several years of development, Mung Bean Credit has cooperated with thousands of lending institutions, and they have basically mastered the loan data of most Chinese borrowers.

In addition, in addition to the lending field, Mung Bean Credit has also cooperated in multiple credit leasing fields such as house rental and shared bicycles.

Only need to authorize mung bean credit points, users do not need to pay a deposit, and can directly enjoy commercial services.

With the growing strength of Ruixiang and the opening of cooperation in more fields, mung bean credit score will become more and more accurate in the future.

In terms of risk control and lending speed, Sharp is definitely one of the top fintech companies in China. "

Guo Huiqi obviously did her homework, and she analyzed it logically, which made Guo's father nod repeatedly.

"Then Huiqi, do you think we should allow Ruixiang Group to invest in Jincheng Consumer Finance?" Father Guo asked.

"Should!"

Guo Huiqi pointed to the financial statement on the table, and said, "Dad, you have seen it too. Jincheng Consumer Finance has been developing for six years, and it can be described as slow.

The consumer finance companies that opened after it all ran ahead of it, and their lending scale, revenue, and profits far exceeded it.

Moreover, the borrowers of Jincheng Consumer Finance are basically in Sichuan Province.

The regulatory agency has given it the authority to lend money across the country. After six years, it has stuck to Sichuan and Shu and dared not expand outward. "

The more Guo Huiqi talked, the more angry she became. She glanced at her father and said, "Also, according to the deputy director we sent over, all the employees in the company are the children of the leaders of Rongcheng Bank."

"There is no need to discuss this."

Father Guo waved his hand and said, "If you participate in the management of the group's China business in the future, you must not mention these things."

"Okay!" Guo Huiqi pursed her lips and looked aggrieved.

"Then how many shares should we transfer to Ruixiang Group?" Guo Huiqi asked.

"Ruixiang Group's technological strength is so strong. If they invest in Jincheng Consumer Finance, our shares will definitely increase in value in the future."

Guo's father said again: "So the shares cannot be transferred to them too much, too much for us to make no profit.

But it can't be too little, too little, and Ruixiang Group will definitely not have the motivation to develop. "

Guo Huiqi's expression changed, "Then ask Rongcheng Bank to transfer more?"

Father Guo smiled, "It's not as simple as you imagined, you haven't dealt with this group of people, so naturally you don't understand.

This consumer finance license, to be honest, we are still in the light of others.

Otherwise, it is impossible to get it so easily.So far in China, there are only a dozen licenses for consumer finance, which shows how precious they are. "

"What's the use of being precious?" Guo Huiqi said unconvinced, "In their hands, it's just like a small loan license with geographical restrictions."

"It's still good, at least the Rongcheng Bank can get low-cost funds." Father Guo said with a smile.

"In this way, when you communicate with Zhang Yida, first test him with 20% of the shares."

Guo's father said again: "The bottom line of Rongcheng Bank is to transfer 15% of the shares, and we are 20% of the shares.

You add it little by little, but the upper limit is only 35%, any more, it is meaningless to us. "

"If we transfer 20%, we will only have 29%, which is the smallest shareholder." Guo Huiqi didn't understand.

Father Guo smiled and said: "Business is all about win-win. Rongcheng Bank is going to be willing to degenerate. We can't accompany them. We have to save this depreciating asset.

29% is enough, as long as the assets can increase in value, it will be much better than the current situation of not being alive or dead. "

Guo Huiqi nodded to show that she understood.

Guo's father said: "We have 29% of the shares, Rongcheng Bank is still the largest shareholder with 36%, and Ruixiang has 35%.

Don't you think, this share ratio is very interesting? "

Guo Huiqi smiled slightly, "Father, you mean to do a favor?"

Father Guo smiled and said, "Let's see which side is more suitable. The shares in our hands are very important, and both sides have to win us over.

Of course, under the same conditions, I am more inclined to sharp.However, Rongcheng Bank still has 18% of our shares, and the palms and backs of these hands are full of meat. "

……

Guo Huiqi recalled her father's advice, and persuaded Zhang Yida again: "Mr. Zhang, in fact, our Hong Leong Group is also quite embarrassing.

Rongcheng Bank is only willing to transfer 10% of the shares. Otherwise, Hong Leong Group will transfer another 5% of the shares, so how about transferring a total of 25% of the shares to you? "

"Being a financial investment shareholder is meaningless to Ruixiang."

Zhang Yida said firmly again: "If you can't become the largest shareholder, Ruixiang can only give up."

"Oh, that's right." Zhang Yida suddenly said, "Ruixiang's investment in Xingwang Bank has been approved. For Ruixiang, the consumer finance license is also optional."

　Thanks for the reward in silence!

　　
　
(End of this chapter)