Winning the new financial era

Chapter 301 Eliminate dissidents
The matter of Ruixiang's investment in Jincheng Consumer Finance has finally been settled, and the China Banking Regulatory Commission has passed the approval.

Ruixiang invested 3.5 million yuan of its own funds in Jincheng Xiaojin, and obtained 35% of the latter's shares, becoming the second largest shareholder of the company after Chengdu Bank, which holds 36% of the shares.

Then, Jincheng Consumer Finance held a general meeting of shareholders, elected Zhang Yida as the company's chairman, and Hong Haibo as the company's CEO...

In addition, an online business department has also been established, and an elite team composed of original Yongbei and Daibei technology and operating personnel was dispatched to join Jincheng Xiaojin.

Their mission is to develop and operate Jincheng Consumer Finance's first online consumer financial product - Jinnangdai.

Hong Haibo is responsible for the group. As soon as he took office, he launched drastic reforms to deal with the serious and serious diseases of Jincheng Consumer Finance.

At the high-level meeting of Jincheng Xiaojin, a group of executives tremblingly looked at Hong Haibo who was sitting in the first seat and announced the company's new regulations.

"First, in order to save the company's operating costs and improve the company's operating efficiency, we will start a three-month "performance appraisal"!
Those who fail to pass the assessment will be punished by demotion, salary reduction, dismissal, etc., depending on the performance of the three-month work.

Second, set up a Compliance Supervision Department to crack down on bad phenomena such as accepting bribes and kickbacks from customers.

Once verified, they will be expelled if the circumstances are serious, and will be transferred to the judiciary for handling.

Third, gradually reduce the business volume of off-line housing second-office loans, and the business focus of the entire company will shift to online.

Offline departments began to optimize their personnel structure, and successively carried out training and job transfer...

......"

Hong Haibo read out more than a dozen new regulations in front of the executives of Jincheng Xiaojin.

Every time he reads a new rule, the faces of the executives turn black.

Where is this new regulation?It's Yan Luo who is demanding his life!

Some executives were not happy after hearing this. To do so would completely overthrow Jincheng Consumer Finance Company and rebuild it.

Not only does this completely negate their past efforts, but it also weakens the authority to harm them.

"Mr. Hong, isn't it a little too hasty to operate like this!"

"That's right, Mr. Hong, housing second-mortgage loans are currently the mainstay of our group's income, and last year they generated nearly 7000 million yuan in profit.

Such a profitable business, just cut it off like this?Mr. Hong, please think twice! "

"Mr. Hong, it's not contradictory to carry out both online and offline businesses at the same time, right? Why did you use such a violent method to lay off employees?"

Hong Haibo looked at the executives of Jincheng Xiaojin who spoke out against his new regulations, all of them spoke fiercely and spit.

He knew that these people should all be members of the Rongcheng Bank.

Although Malaysia's Hong Leong Group holds 49% of the shares, the control of Jincheng Consumer Finance has always been firmly in the hands of Rongcheng Bank.

The Hong Leong Group is amazing. A few people have been inserted in the finance department to supervise the financial rights.

Abolishing offline departments, punishing internal corruption, improving work efficiency, and fully transforming online are all ways he and Mr. Zhang discussed to bring Jincheng Xiaojin back to life!

In the words of a great man, it means concentrating on doing great things!
Why was Yimin Financial Services split up?It is because its financial business is too complicated.

If it is not split, it will not matter if there are many businesses involved, and there are still many reporting levels, which will inevitably lead to low work efficiency.

The reason why Internet companies pay attention to "flat management" and even cut down middle management is to make internal communication smooth.

Take Yimindai as an example. Its main business is various installment loans, education installment, medical beauty installment and so on.

This method of fighting in small units enables Yimindai to maintain a focus and high efficiency.

The competitor of Yimindai, Youqianhua, is the consumer installment department under the Internet Finance Business Group of Qiandu Group.

Thousands of money have a father and a grandfather on their heads, and there are many constraints, so they are always slow in doing things.

Hong Haibo remembered the reasons for the split of Yimin Financial Services that Mr. Zhang explained to himself, and learned a lot.

Jincheng Consumer Finance's offline loan operation model, in Hong Haibo's view, is indeed too old. It can neither improve efficiency nor scale growth.

So reforms must be made!

And the reform needs to move the cheese of the vested interest groups!

Hong Haibo raised his hands and pressed a few times in the air, and then the executives fell silent, wanting to hear what he had to say.

"This is a plan negotiated by the shareholders!"

With a straight face, Hong Haibo continued solemnly: "We are the executive level, we just need to implement these plans in place!
Mr. Zhang made a promise to all shareholders that Jincheng Consumer Finance will expand its loan scale and net profit by 6 times in three years.

In order to fulfill this commitment, our company must obey orders and work together.

At this critical moment, I don't want to hear about anyone falling off the hook. "

The faces of all the executives were ashen, what a great official authority!
However, the situation is pressing, and they dare not openly jump out and sing the opposite.

The complaint just now was used to test Hong Haibo.But Hong Haibo reacted so violently, they were really afraid of being used as an example to others.

There are still three fires for the new official to take office, and this is the first fire, and there are two more!
Standing behind them and supporting them is Rongcheng Bank, but Rongcheng Bank has handed over the management of the enterprise to Ruixiang.

Faced with this situation, they can only admit cowardice.

Ruixiang will be at the helm of Jincheng Xiaojin for at least three years, and the executives feel that the good old days are probably gone forever.

……

"Uncle, I can't do this job anymore!"

As soon as Wang Peng, a salesman of Jincheng Consumer Finance, entered the room, he began to cry to his big backer, Rongcheng Bank President Wang Fei.

Wang Fei was appreciating a piece of jade in the study when he saw his nephew walking in with his head bowed, cursing as he walked.

Wang Fei frowned, "Why can't I continue? Do you know how difficult it is to find a job now?
Oh, you think you can find a good job if you are a returnee?
Let me tell you, overseas returnees are worthless now, especially if your university is not from Europe or the United States. The university in the small country of New Zealand has a fart gold content! "

Wang Peng blushed, knowing that his uncle had been helping him all the time, so he didn't dare to speak harshly.

Wang Peng said with a bitter face: "I really don't blame me, the "new regulations" formulated by the company can make you mad.

First of all, the customer's loan cannot be collected.

In the past, I completed a loan performance of 500 million yuan a month, and I could get [-] to [-] in rebate points.

Now all gone!

The most exaggerated thing is that now when a customer comes to sign a contract, both the customer and the salesperson must be required to sign a letter of commitment, requiring both parties to promise that there is no private transaction.

If violated, legal responsibility will be investigated.

You comment, if you do this, didn't I go to drink the northwest wind?With the thousands of dollars of dead wages every month, there is not even enough gas money! "

Wang Peng was very excited, his face flushed, and he poured out all the pain in his heart!

The whole person's chest was heaving and unsteady, and he was panting heavily. He was a little hypoxic after talking too much at once, which was a bit overloaded for his body that had been hollowed out by alcohol for a long time.

Wang Fei didn't say anything. His nephew's salary suddenly dropped from one hundred and eighty thousand yuan to several thousand yuan. The gap was indeed a bit big, and normal people would find it hard to accept.

"Hey, isn't there a commission within the company? How come you only get paid for it?"

Wang Fei glanced at his nephew suspiciously. This kid probably exaggerated.

"Yes, yes," Wang Peng secretly glanced at his uncle, and said in a low voice, "very low, only 0.5%."

"That's fine too! Adding in the basic salary, you'll have 3 yuan a month, almost catching up with my salary."

Wang Peng waved his hand, "It's not that simple, the commission has to be linked to the overdue rate of the loan issued by each salesperson!"

As the president of the bank, Wang Fei was no stranger to these tricks. He asked, "What's the matter? Those customers of yours are bad?"

Wang Peng said embarrassingly: "It's not too bad, it's just that people do business, and sometimes it's hard to avoid turnover."

Wang Fei pointed at Wang Peng, "You, you, Xiao Jiujiu here, you still want to hide it from me. Are customers with good qualifications willing to give you a kickback of two points?"

Wang Peng smiled "hehe", as a default.In front of his "high-ranking and powerful" uncle, he dared not play tricks.

"Isn't Jincheng Consumer Finance going to launch the kit loan recently? You are also a college student after all, so transfer to the operation post to try?"

Wang Peng shook his head again and again, "I can't do that job! I just like to drive every day, meet clients everywhere, and talk business over tea and dinner.

Besides, the salary of that operation post is low, there are many things to do, and they work overtime every day.

The most annoying thing is that all kinds of training and exams have to be carried out!

If I had just settled down to study, why would I have gone to New Zealand to study back then?Jingda Aoki is no problem! "

Wang Fei laughed, "You child! You were enrolled in Rongcheng No. [-] Middle School, the best in Sichuan and Sichuan, but you only got [-] points in the college entrance examination.

Hey, I didn't feel ashamed when I met those friends who entrusted me with me at that time! "

Wang Peng laughed and said, "Who told you to be my uncle!"

Wang Fei looked at his 20-year-old nephew who was still ignorant, and lamented in his heart. He was only a daughter, and he always regarded his brother as his own son.

Be it school or work, they are trying their best to pave the way for him.

The result was a dou who couldn't help, which made Wang Fei a little disheartened.

"How about it! Did you see our bank coming, or should I find another business unit for you?
You are too old, you should calm down!Uncle can't help you for the rest of your life! "

……

"Chairman, during this period of time, Ruixiang has made Jincheng Xiaojin very angry and people complained. Do we not care?"

Li Jie glanced at Wang Fei and asked, "How do I manage it? It's impossible to break my promise by giving them three years of management rights, right?"

Wang Fei smashed his mouth and said, "I heard from many old colleagues that Ruixiang is going to cut off the second property business!
This business has a net profit of tens of millions a year.In case Jincheng’s consumer finance transformation online fails, we will be left with a mess in three years’ time!

Also, many people are reporting that Ruixiang eliminated dissidents and fired and demoted many of our people! "

"Okay! I know everything!"

Li Jie's expression remained the same as usual, his eyes were gloomy, and he couldn't guess what he was thinking.

(End of this chapter)