Winning the new financial era

Chapter 400
After finishing his trip to the United States, Zhang Yida quickly flew to Boao Town, Qionghai City, Han Province to attend the Boao Forum for Asia Annual Conference 2017.

The theme of this annual meeting is "Facing the Future of Globalization and Free Trade". There are 42 sub-forums and 12 closed-door dialogues in various forms, rich in content and wide in scope.

Many companies under Zhang Yida have received invitation letters.

Among them, Lu Qi delivered a speech at the artificial intelligence sub-forum on behalf of Zhonghe Group.

Gathered with Hong Xiaowen, Senior Vice President of Microsoft Global, Ben Goertzel, Chief Scientist of Hanson Robotics, Zhang Shoucheng, Professor of Stanford University, Zhang Yaqin, President of Qiandu, Wang Xiaochuan, CEO of Sogou, and other "big cows" in the scientific and technological circles.

We discussed the future of artificial intelligence and the profound changes and impact it will bring to people's lives.

Zhang Yida participated in the fintech sub-forum on behalf of Ruixiang Digital Technology Group.

He focused on introducing the various scientific research achievements of Ruixiang Digital Technology in recent years, and said that Ruixiang Digital Technology Group will continue to maintain an open attitude and export various advanced financial technology technologies to ASEAN and neighboring Asian countries.

Then, Zhang Yida participated in several roundtable meetings of private entrepreneurs and IT leaders.

During the break in the middle of the meeting, Liu Yonghao approached Lei Jun and Zhang Yida for a chat.

"Yida, I haven't had time to congratulate you yet, the third company has successfully listed, congratulations!"

Liu Yonghao looked at Zhang Yida with a smile. He admired the young man sitting opposite him from the bottom of his heart.

Even before graduating from university, there are three listed companies.

Moreover, the individual volumes are not small, and the combined market value is almost close to 200 billion US dollars.

Lei Jun also smiled and said: "In the past, the media always talked about my 28-year-old role as the general manager of Jinshan, and they felt very arrogant.

Well now, all eyes are on you. "

Zhang Yida couldn't help laughing, "The two big brothers are both heroes of the same generation, if they debuted in the mobile Internet era, their grades would probably be higher than mine.

I have caught up with the good times, otherwise in the 80s and 90s, even the best skills would take time to accumulate. "

The three made some jokes, and Liu Yonghao said again: "In addition to Yimindai, many Internet finance companies plan to go public this year. Is the time ripe?"

"It's almost there," Zhang Yida nodded, "It started to explode in 13, and now it has accumulated for three or four years, and many companies have come to the fore.

There are not one or two mutual gold companies with annual revenues of billions and annual profits of hundreds of millions.Many are ready for listing. "

Lei Jun asked again: "Does Ruixiang have a clear listing plan?"

Zhang Yida shook his head, "The time is not yet ripe, we have to settle down again."

"The Rice Group is going to run ahead of you."

Zhang Yida remembers that rice was listed in 18 in his previous life, and after calculating the time, it is indeed almost the same.

Rice mobile phones are not only popular in China, but also have achieved a leading position in many overseas countries and markets.

Lei Jun's second venture can be called relatively successful.

Liu Yonghao talked about Pet Holdings again, and he said with a smile: "Pate Holdings is amazing, from e-commerce, to pet food factories, pet chain medical care, forming a complete ecology.

Others want to learn, but they can't learn it! "

Zhang Yida chuckled, he knew that Xinwang Group also intends to enter the pet market for a share.

Earlier, it invested in Le Chong, a pet e-commerce company, and also acquired a dog food factory in Australia.

The momentum is quite good, but compared with Pet Holding Group, it is still a little bit worse.

The biggest problem still lies in the Internet platform and traffic.

It is not so easy for traditional enterprises to transform into the new economy and succeed all at once.

However, Zhang Yida did not dare to slack off. The two biggest competitors of Pet Holdings Group in the pet market are Gaoling and Xinwang Group.

These two are not fuel-efficient lamps.

It's just that everyone is still staking their land and doing incremental market, and the competition is not fierce.

While chatting, the three of them brought up the topic of Xingwang Bank, a community of interests.

"I see that Alipay has opened a traffic portal for MYbank, so I want to discuss with you to see if IFH can also open an entrance for Xingwang Bank?"

Liu Yonghao was afraid that Zhang Yida would have other ideas, so he explained: "Yida, as you know, Internet banks cannot open physical outlets. The task of soliciting deposits must be completed online.

Except for its mobile phone application market, Rice Group cannot give Xingwang Bank much help in other places.

However, Touronghui has 5 million users, and it is a financial app. The task of attracting traffic has to fall on you.

Of course, Xingwang Bank will not let Rui Xiangbai work.How this fee should be settled depends on how it is settled. "

Zhang Yida waved his hand, "It's serious, Ruixiang is also a member of Xingwang Bank, and we have a duty to do so.

In addition to collecting savings, using the loan assets of Yongbei and Daibei, Ruixiang can also share them with Xingwang Bank, and we will jointly lend. "

"That's great!"

Liu Yonghao was overjoyed. For the Internet industry, he knew how deep the water was only after getting in touch with it.

Zhao Weixing, the current president of Xingwang Bank, told him that traffic is the root of everything.Without traffic, there will be no users, without deposits, and naturally there will be no lending business.

There are only three things that banks can do. Deposits, loans, remittances, deposits and loans are gone. Under the influence of mobile payment, the transfer business is a tasteless one.

Zhao Weixing is a talent he dug from Leech Financial Services, and Liu Yonghao still listens to his words.

"Yida, I'm here to help you."

Lei Jun smiled, "In addition to Daibai and Yongbai, Yimin Wangjin and Yimindai, as well as Ruixin Group's Xinglongdai and Huinongdai, if there is a need, you can come to Xingwang Bank to wholesale funds."

"Yes, yes, yes," Liu Yonghao nodded hastily, "The capital cooperation between Xinwang Finance and Rice Finance can be delayed.

Give priority to satisfying the companies under your umbrella.You've been so helpful, and you deserve it. "

Zhang Yida smiled and said, "There's no need to worry about it, let's talk about it when the savings increase."

"Row!"

Liu Yonghao nodded emphatically, and said: "After reading the operation reports of WeBank and MYbank, I realized how far there is to catch up.

The total amount of loans issued by WeBank’s “Weiweidai” exceeds 1600 billion yuan, the total number of loans exceeds 2000 million, the maximum daily loan scale exceeds 10 billion yuan, and the highest daily loan number exceeds 10...

The number of small and micro enterprises served by MYbank has exceeded 200 million, the loan balance is nearly 300 billion yuan, and the total assets exceed 600 billion yuan...

We currently have a registration fee of 30 billion yuan in our account, and the business development is slow. It is not too much to say that we are "poor and white". "

Zhang Yida comforted, "Don't worry, Xingwang Bank has only been in operation for three months, and it will take time to settle."

Lei Jun also said domineeringly: "We three cobblers add one piece, I still don't believe it, we can't wrestle with Erma."

"Haha, what you said is very true!" Zhang Yida also echoed.

After the meeting and returning to the capital, Zhang Yida immediately arranged for Ruixiang's people to make various connections with Xingwang Bank.

Zhang Yida asked the people below to complete various data docking and testing in the shortest possible time, and arrange for Xingwang Bank to settle in the Touronghui APP as early as possible.

Time waits for no one!

WeBank and MYbank, the former was established two years earlier than Xingwang Bank, and the latter was established one year earlier.

It has a first-mover advantage and the traffic advantage of major shareholders.

To be honest, Zhang Yida didn't have much confidence to surpass these two, and being able to catch up with each other was a pretty good victory.

In terms of equity, Ruixiang holds a 29.5% stake in Xingwang Bank.Ahri and Penguin are the largest shareholders of the two banks, with a shareholding ratio of 30%, which is only half a point higher than that of Ruixiang.

In terms of shareholders' rights and interests, the gap between Ruixiang and Xinwang Group is only half a point, which can be regarded as negligible.

The most important thing is the right to control. At present, the control right of Xingwang Bank is in the hands of Xinwang Group.

In addition to the appointment of directors by Ruixiang and Rice Group, the positions of chairman and president are all in the hands of Xinwang Group.

However, Liu Yonghao is also a veteran of the rivers and lakes. He does not eat alone, and is willing to give an even part of the raised funds to Zhang Yida and Lei Jun's Internet finance company.

Zhang Yida's starting point for taking a stake in Xingwang Bank is for funding channels.

As long as there is no problem with this, everything else is fine.

Moreover, the richer financial services provided by Touronghui are also beneficial to Ruixiang.

……

DouTV CEO Zhang Lan reported a big news to Zhang Yida.

"You said, Kuaishou has started to enter Russia, Brazil, Vietnam and other countries?"

Zhang Lan looked serious, "Not only Kuaishou, Toutiao Video has also launched an overseas version of TikTok, entering Southeast Asia and the US market.

This is to compete with us in the international market. "

Lu Qi, who was listening on the sidelines, also interjected: "It seems that Kuaishou has also noticed that the sweet potato video is inserting into their heartland market. Is this a counterattack?"

He turned to look at Zhang Yida, "The expansion of the Asian market must be accelerated. In addition, European and American markets must also strengthen their defenses."

"Currently it is Kuaishou and Toutiao, but in the future it may be Facebook and Google.

A user's Internet usage time is only so much, and a large part is cut off by short videos.

Any giant that relies on advertising revenue will have trouble sitting still.I won't be surprised that Penguin and Qiandu will launch their own short videos in the future. "

Lu Qi sighed, "That's true, but there may be so many competitors pouring in, which will pose a great challenge to us."

"Under the throne, there are many bones, and there will only be one king in the short video.

Douvision and Musical.ly have a certain first-mover advantage.But the advantage is not obvious. When there are 10 billion daily active users in the world, I am afraid that I will be able to breathe a sigh of relief. "

Lu Qi looked solemn, "We are still four times short of this goal, and we have a tough battle to fight!

At present, our order is to give priority to entering the markets of developed countries, which is considered for commercial realization.Do we need to adjust our strategy now? "

　The [-]th chapter was sealed again, and the application for lifting the ban was not passed.It will take two days to try again.

　　
　
(End of this chapter)