Winning the new financial era

Chapter 285
"Miss Huiqi, what is the opinion of Rongcheng Bank?"

In a meeting room of Jincheng Hotel in Rongcheng, Zhang Yida met Guo Huiqi, who flew to Rongcheng from Malaysia.

"The meaning of Rongcheng Bank is that it hopes to have a personal talk with you tomorrow. I will also attend this negotiation on behalf of Hong Leong Group."

Guo Huiqi gently turned the coffee spoon in her hand, and said in a leisurely manner.

The sluggish work efficiency of Rongcheng Bank really made Zhang Yida a little unhappy. If he agreed to Ruixiang becoming a major shareholder or handing over the management rights of the company, he would agree to it.

Now there is another negotiation, I don't know what kind of medicine is sold in the gourd.

"Miss Huiqi, tell me the truth! What is your Hong Leong Group planning?"

Guo Hui smiled bitterly: "Although we own 49% of the shares, the other 51% is in the hands of Rongcheng Bank.

Of course we really want to introduce Ruixiang as a major shareholder!But in the final analysis, it depends on the attitude of Rongcheng Bank, the controlling shareholder. "

"Okay, let's talk about it tomorrow!"

Zhang Yida thought that he would see the real chapter tomorrow, so he didn't speculate too much.

The next day.

Lan Lan and Zhang Yida came to Rongcheng Bank together. In a conference room, they met Li Jie, chairman of Rongcheng Bank, Wang Fei, president of Rongcheng Bank and chairman of Jincheng Consumer Finance, and a group of Rongcheng Bank and Jincheng Consumer Finance. department leadership.

Both Rongcheng Bank and Jincheng Consumer Finance are Sino-foreign joint ventures, and the Chinese capital shares are controlled by the SASAC of Sichuan and Sichuan provinces.

Therefore, Li Jie, Wang Fei and other executives are all civil servants with administrative staff.

Zhang Yida and Lan Lan shook hands with Li Jie, Wang Fei and other leaders one by one, exchanged a few pleasantries, and then took their seats.

Guo Huiqi was also in the conference room, nodding and smiling at Zhang Yida as a greeting.

"Leaders, we are here today to discuss Jincheng Xiaojin's shareholding.

Ruixiang came here with sincerity, and we hope that we can discuss a result that is satisfactory to all parties. "

Lan Lan was the first to speak, with the aura of a strong woman.

Compared with negotiating with the Rongcheng government, dealing with Rongcheng Bank is much less stressful.

Although the leaders present were all at the department level and department level, as a super unicorn, Rui Xiang really didn't have to worry about the other party.

Before coming here, Zhang Yida made it clear that he must be strong, and he must be the major shareholder or the management right of the company.

If you can't get any one of them, give up the investment.

"Of course, our bank also welcomes Ruixiang's shareholding."

Li Jie, chairman of Rongcheng Bank, smiled, and asked the secretary to bring up Jincheng Consumer Finance's financial report and various data, and handed one copy to Lan Lan and one copy to Zhang Yida.

Lan Lan briefly looked at the report and said, "Jincheng's consumer finance business is still very stable, but the business model is too heavy on the offline."

Wang Fei, chairman of Jincheng Consumer Finance, said with a smile: "We are a banking consumer finance company with a strong bank gene, so we always put risk management first.

Although the pace of development is relatively slow, it is very steady.

Many Internet financial platforms on the market lend billions or tens of billions a year, but how many bad debts are there?

Mr. Lan, do you think this is the truth? "

Lan Lan pursed her lips and smiled, "Wang Dong, what you said is very reasonable. Ruixiang also attaches great importance to risk management. Last year, we issued more than 200 billion yuan in loans, but the bad debt rate was always controlled within 1%."

As soon as Lan Lan said this, Li Jie was quite surprised. Rongcheng Bank's bad debt rate was a little over [-]%, which was actually lower than the bank's bad debt rate.

Afraid that they would not believe it, Lan Lan explained: "This is the difference between traditional finance and new finance.

Traditional finance is more important than manual review, and new finance is more important than big data analysis.

Today's common people's basic necessities of life can be solved online, which generates a lot of network data.

Through these data, we make a risk control model to evaluate a person's credit quality and whether the loan is approved, and Ruixiang can complete it within a few seconds..."

Lan Lan introduced all kinds of housekeeping skills of Ruixiang. Since she wanted to buy shares, she had to let the other party see Ruixiang's strength.

They must be fully aware of the benefits and technological changes that can be brought to them by sharp investment.

"fantastic!"

After Lan Lan finished speaking, Li Jie took the lead in applauding, and then the meeting room burst into applause.

Li Jie boasted again: "I have heard about Ruixiang's financial technology strength for a long time. If I have the opportunity, I must go to Ruixiang to learn and investigate."

"Leaders are always welcome!" Lan Lan replied with a smile.

"Although Internet finance companies have high technological content, it is indeed a flaw that they do not have a license."

Wang Fei, chairman of Jincheng Consumer Finance, began to show off his license advantage.

Lan Lan nodded, "In China, one cannot ignore the role of a license in the financial industry.

There are five licenses for Bank-Securities Foundation Guarantee, except for trusts, Ruixiang has already collected all other licenses.

If there is one more consumer finance license, it will definitely be even more powerful for Ruixiang. "

Lan Lan also has a subtext. Although Ruixiang is an Internet financial company that was born recently, it really does not lack financial licenses.

Wang Fei smiled awkwardly, thinking that this kind of super unicorn is really not so easy to handle.

They have also investigated the other party. It is considered that Xingwang Bank, which has just been approved, really has 4 financial licenses. Although it is not a wholly-owned holding company, they are all very important first or second largest shareholders.

"When communicating with the mayor of Los Angeles two days ago, he mentioned technological innovation many times, and encouraged Ruixiang to drive the development of enterprises in his hometown after developing the second headquarters in Rongcheng."

After Zhang Yida spoke, he immediately pulled up the tiger skin of the prefect of Luo.

Wang Fei, Li Jie and others naturally knew about the big move of the Rongcheng government to attract investment.

They all knew that Zhang Yida was now a popular figure in the city government office. Although they were a little uncomfortable with the other party pulling the tiger's skin and pulling the banner, they still had to do superficial work, so they all nodded in support.

Zhang Yida continued: "Now the first echelon of licensed consumer finance is Home Credit, Bank of China and other institutions.

Needless to say, Home Credit is a veteran foreign-funded institution that has been engaged in consumer finance for nearly 20 years.

Backed by Bank of China, Bank of China has outstanding advantages in terms of capital cost, talents, and capital. "

Wang Fei and Li Jie are savoring Zhang Yida's words carefully, which is to analyze the shareholder advantages of various consumer finance companies.

"Jincheng Consumer Finance also has its own advantages, that is, it is backed by Rongcheng Bank.

With the backing of Rongcheng Bank, it is always beneficial for Jincheng Consumer Finance to do housing second-mortgage loans in the Sichuan and Sichuan regions.

However, this advantage is almost useless outside the province.

Moreover, non-local joint-stock banks are also aggressively developing branches and outlets in the Sichuan and Sichuan regions.

The advantage that Rongcheng Bank brings to Jincheng Consumer Finance is weakening.Banks like to make housing mortgage loans, whether it is a first mortgage or a second mortgage.

However, relying on stronger strength and lower capital costs, joint-stock banks can make product interest lower.

If Jincheng consumer funds have been spent on the second payment of houses, I am not exaggerating, but the prospects are really worrying. "

Wang Fei's face was a bit ugly. He is the chairman of Jincheng Xiaojin. According to what Zhang Yida expressed, isn't his various efforts and achievements for the company these years a joke?

Wang Fei smiled and said: "Mr. Zhang, according to your opinion, Jincheng Xiaojin should take a big step forward and expand aggressively?"

"Of course!"

Zhang Yida slapped his back straight, stared at Wang Fei, and continued: "In the highly competitive consumer finance market, it's like sailing against the current. If you don't advance, you will retreat.

If the gap between companies is getting bigger and bigger, this gap will eventually be reflected in many aspects such as talents, capital costs, and asset quality.

Leading institutions have the best scientific research talents and the cheapest funds, so they can make products with lower interest rates and more popular with users.

Then the market structure is divided, the scale of leading institutions is getting bigger and bigger, and small institutions are standing still. "

There were even worse things that Zhang Yida didn't say.After all, everyone here is the leader, so we need to show some face.

Jincheng Consumer Finance currently ranks in the middle of more than a dozen consumer financial institutions that have opened.

But considering that it is the first three consumer financial institutions to open, after six years of development, it is still surpassed by rising stars one by one.

In addition to the fact that Rongcheng Bank's legs are not thick enough, the management also has to bear a lot of responsibility, saying that the quality of the corpse meal is too high, but it will definitely not escape a "mediocre" evaluation.

Consumer financial institutions have turned into small loan companies that do second-payment of houses, and their licenses have been lost in vain.

This is also related to the national conditions, not seeking merit, but seeking no fault.

Consumer finance loans without collateral are not as real as housing mortgages.

Otherwise, if some bad debts are revealed, you will never want to make progress in this life.

Li Jie saw that his general, Wang Fei, was not very good-looking, and he also knew that Zhang Yida was too strong.

However, Zhang Yida is a celebrity in the city government and a well-known Internet giant in the whole country. It is really difficult for him, the chairman of a local bank, to have any conflicts with him.

Otherwise, the city government will say that he is not united again, and he might be punished.

He hurriedly said to Xi Ni: "Mr. Zhang, you are right. Especially when sailing against the current, if you don't advance, you will retreat." The eight-character mantra.

Young entrepreneurs need to have this kind of momentum in order to start a business. "

Then the voice changed, and he began to appease Wang Fei again, "But our Jincheng Xiaojin also has practical difficulties!

There are very few talents in financial technology in Rongcheng, and many talents have to be introduced from other places, and they are still unwilling to come.

Over the past few years, Comrade Wang Fei has been busy before and after, and it is hard to support the current scene.

As far as consumer financial institutions established by local banks are concerned, we are also in the front row. "

Li Jie also said: "So we have high expectations for Ruixiang Group's shareholding. We just hope that everyone can join hands to bring Jincheng Consumer Finance to a higher level."

"Well, we do need to join hands."

Zhang Yida nodded in agreement, and said: "Ruixiang has more than 4 million registered users, and also has overseas industrial layout.

If we are responsible for the daily management of Jincheng Consumer Finance, we hope to cover the whole of China.

In the future, we will even go abroad to internationalize our business. "

Li Jie's eyes lit up, it's nothing to cover the whole of China, but going abroad is quite attractive to him.

Home Credit is from the Czech Republic. Why can't Chinese consumer finance companies go global?

The greater the momentum of Jincheng Consumer Finance, the more it shows that he is a good leader!

It's just that Ruixiang wants the largest shareholder and the right to manage the company, which makes him a little hesitant.

(End of this chapter)