Winning the new financial era

Chapter 302 Sweaty BMW
Beijing.

In a racecourse.

Zhang Yida was wearing a tight-fitting exquisite Ming-style Hanfu, riding on a white-gold horse shining in the sun, holding a bow and arrow in his hand, and was aiming at a grass target standing 50 meters away.

With a sound of "whoosh", the arrow flew out.

A little embarrassing and missed the target.

The coach standing beside Zhang Yida smiled, "Boss Zhang, you have made great progress, the strength of the arrow is sufficient, but the accuracy needs to be improved.

This is already very good, many bosses can't even draw this 40-pound bow! "

Zhang Yida nodded, swung his right arm, and shot several times in a row, his arm was a little sore.

Zhang Yida felt that the ancient fierce generals were too powerful, far stronger than modern people in terms of strength and physical strength.

I don't know if modern athletes can PK with ancient fierce generals?
The coach was very curious about Zhang Yida's golden horse, which had a thin head, a tall neck, slender limbs, thin skin and light feet, and looked at it carefully and asked:
"Mr. Zhang, is this the Ahal Teke horse?"

"Correct!"

Zhang Yida felt that the coach was quite knowledgeable, and he knew the horse's academic name at a glance.

"My darling!"

After getting the exact answer, the coach also exclaimed.

This is the "Sweat BMW" in ancient times, also known as "Tianma" and "Dawan BMW"!
Emperor Wu of the Han Dynasty did not hesitate to launch a war for it and expedition to the Western Regions!

"Mr. Zhang, where did you buy this horse?" The coach asked curiously. It's not ancient times. It's impossible to go to war to snatch the horse!He guessed that Zhang Yida paid a lot of money to buy it.

"Turkmenistan, there are many such horses in this country!"

"many?"

The coach smiled, "Many are relatively speaking! It is said that there are only more than 3000 such horses in the world!"

"Well, the number is still relatively rare, and it can be regarded as a protected animal. The citizens of Turkmenistan like it very much, and its image is printed on the national emblem and currency."

After finishing speaking, Zhang Yida got off the horse, saw the coach's love for "Xiao Jin", pointed to Xiao Jin, and said, "Come on, ride, let's feel it!"

The coach waved his hands again and again, "It's impossible, I dare not ride tens of millions of horses!"

"It's all right! Just like a normal horse!"

Seeing Zhang Yida's sincere invitation, the coach stopped being pretentious. After thanking Zhang Yida, he quickly got on the horse, pinched his legs, and urged Xiaojin to run away.

Zhang Yida looked enviously at the coach who rode the horse galloping wildly. He was not such a good equestrian, so he didn't dare to let Xiao Jin run too fast. If he was accidentally knocked off the horse, he might break a bone.

"Mr. Zhang, wipe off your sweat!"

Song Caiwei, who was standing not far away, came over and handed over a white towel.

"Thank you!"

Zhang Yida took the towel and wiped the sweat from his forehead.

"Dong dong dong dong!"

The phone rang suddenly, and Song Caiwei took out the phone to look, and said, "Mr. Zhang, it's Chairman Li Jie of Rongcheng Bank!"

"What does he want from me?"

Zhang Yida muttered, took the phone and greeted with a smile: "Mr. Li, good morning!"

"Hi Dong Zhang!"

The two exchanged some pleasantries, and Li Jie said, "Dong Zhang, logically speaking, I shouldn't have made this call.

But the internal pressure in our group is too great, so my old man is here to bother you a few words! "

Zhang Yida guessed that it was about Jincheng's consumption of gold, and said with a smile: "You are a senior, so you can talk about it if you have anything to do!"

"That's it, isn't it a little too anxious for Jincheng Consumer Finance to cut off the housing second payment business?"

Li Jie said in as gentle a tone as possible, he was a bit worried about Zhang Yida's youthful vigor, and he directly yelled at him on the phone, the scene was a bit embarrassing.

"Oh, this matter!"

Zhang Yida said with a smile: "In addition to consumer finance companies, banks and trust companies are also engaged in the housing repayment business.

Compared with product interest, we can't compare with others, and we can only be secondary customers that others don't want.

The most important thing is that offline needs to develop business city by city, which is too slow. "

"I know all of this," Li Jie said with a smile, "I know Mr. Zhang, your family has a big business, and you don't care about such a small business.

But an annual profit of tens of millions is not a lot for Rongcheng Bank. We also have to stabilize the stock price, which has our own difficulties.

My suggestion is that we should carry out the kit loan and the offline housing second-payment business at the same time.

We will gradually give up the housing second-payment business after the kit loan is launched.

In this case, several heads are also taken into account. "

Zhang Yida said with a smile: "It is possible to do this, but it will inevitably slow down the development of online business.

I do have a proposal! "

"Speaking!"

"Let Jincheng Xiaojin become the capital end of Yiminwangjin and Yimindai before the kitty loan is launched."

Zhang Yida paused for a moment, and continued: "Just wait until the loan amount of Jin Nang Loan increases, and then transfer the funds back."

"Yiminwangjin and Yimindai are still short of funds?"

Li Jie was very surprised. The last time Zhang Yida asked two companies to discuss cooperation with Rongcheng Bank, the financing bank extended credits of 10 billion yuan and 5 million yuan to the two companies respectively.

If the loan period is short, such as three months, the money will be rolled over, and a loan of 60 billion can be issued.

"Yes," Zhang Yida smiled, "The two companies have a relatively large amount of loans, and the average annual loan amount is tens of billions, so they have a great demand for funds."

"This method is also feasible," Li Jie asked again, "Then how to calculate the capital cost?"

"How about 8 points? All bad debts are covered by Yimin Wangjin and Yimindai."

Li Jie was a little moved, but still showed a very hesitant look, "8 points is a bit small, Mr. Zhang, the cost of P2P capital is as high as ten or twenty points."

"That's another P2P. Our P2P has brand effects and various halo bonuses, and the capital cost has been reduced to less than 10 points."

Li Jie is no stranger to the hot P2P in the market, so he doesn't believe Zhang Yida's nonsense!How can it be possible that the cost of capital is only 10 points when there are overwhelming advertisements on the Internet, and various interest rate coupons and investment red envelopes are issued to users?

"Mr. Zhang, 8 points is really too low. There are not many good funding channels like Jincheng Xiaojin in the market.

You give 9 points, Jincheng Xiaojin provides loan funds for Jinnangdai, and the rest of the funds are all approved to Yiminwangjin and Yimindai. "

Zhang Yida calculated for him, "Jincheng Xiaojin can have a maximum leverage of 10 times, and Rongcheng Bank can provide Jincheng Xiaojin with 100 billion funds.

The 6 points are wholesaled to Jincheng Xiaojin, and Jincheng Xiaojin is wholesaled to Yiminwangjin and Yimindai.

You don't have to take any risks, and you can make a net profit of [-] million yuan a year. "

After hearing this, Li Jie also thought about it. This is a good idea. It is a bit exaggerated to directly approve 100 billion yuan for Yimin Wangjin and Yimindai. After all, these two companies do not have formal financial licenses.

Jincheng Consumer Finance is different, a licensed consumer finance company.

Jincheng Xiaojin can also earn some channel fees through this account transfer, and throw all the responsibility for the bottom line to Yiminwangjin and Yimindai.

Li Jie has also been under great pressure in the past few years since he took office. The bad debts broke out in the banking industry in Sichuan and Shu Province in 14-15, which triggered a chain reaction. The growth rate of revenue and profit of Rongcheng Bank were greatly impacted. A low state.

73% of the loans in Rongcheng Bank are corporate business, and the proportion of personal loans is only 27%.

Li Jie was wondering if he could take this opportunity to start the retail loan business of Rongcheng Bank.

The average deposit cost of Rongcheng Bank is 1.5%. Wholesale to Jincheng Consumer Finance at an interest rate of 6% is also a net profit of 4.5 points.

"100 billion loans is too scary, and our total deposits are only over 3000 billion, and this figure still includes demand and short-term deposits.

Even if I agree, the board will not agree. "

Zhang Yida laughed, 100 billion is indeed an astronomical figure for a local bank.

"It doesn't necessarily mean that 10 times leverage must be fully leveraged, and 50 billion is also possible.

In addition, Mr. Li, you have a wide range of friends, and you can also attract Rongcheng Rural Commercial Bank and other prefecture-level cities' banks.

A family can scrape together a few hundred million, and they can scrape up a lot.

The more you collect, the more Jincheng Xiaojin earns, and these profits will be fed back to Rongcheng Bank. "

This is the benefit of licensed consumer finance. In addition to accepting deposits from shareholders’ domestic subsidiaries and domestic shareholders, they can also borrow from financial institutions such as banks, insurance companies, and trusts, and issue financial bonds.

"Okay, this matter is too big. Our Rongcheng Bank needs to convene a board meeting to discuss it."

Li Jie is really tempted. The profit growth of Rongcheng Bank has been sluggish in the past two years, and it really needs a project with a small profit.

Zhang Yida has strong assets, and in his opinion, he is a very good partner.

After hanging up the phone, Zhang Yida also wondered if this Director Li could raise enough funds for 100 billion?

P2P funds are too expensive, and it has always been a shackle for Yimin Wangjin and Yimindai to pursue high-quality customers and higher profits.

In the previous life, there was an Internet financial model called "loan assistance", and this is what Zhang Yida is doing now.

Including Weiweidai and Huabei, they are also going on this path. Banks provide funds, and loan assistance platforms, that is, online lending platforms, provide customer acquisition and risk control, and everyone shares the money they make.

In addition to its own funds, Ruixiang's Yongbei and Daibei have been cooperating with the four major banks, and also issued an ABS bond.

Yiminwangjin and Yimindai are a bit short of B, so they can only cooperate with some local banks. The disadvantage is that the interest rate is high, but it is also much lower than the P2P capital cost.

"Law~"

The coach rode Xiaojin around the racecourse for a few laps, and when he came back, the horse's hooves had just been raised, and then stopped at a distance of more than ten meters away from Zhang Yida.

It can be seen that the coach is a very careful supervisor, and he is afraid of any safety accidents if he gets too close.

The coach led the horse and walked over, and smiled as he walked: "As expected of a famous horse with tens of millions, it runs fast. Thanks to Mr. Zhang, I have experienced it today!"

"You're welcome!"

Zhang Yida liked Xiao Jin very much, so he went up to meet him and kept stroking the horse's neck.

Compared with the Bugatti Veyron, he still feels that Xiaojin is more B-like in riding.

Before leaving, I rode on a horse and took a few handsome photos, and posted them on Moments, Weibo, and DouTV.

(End of this chapter)