Winning the new financial era

Chapter 674
After the news of Ruixiang’s listing came out, a large number of beneficiary companies appeared in the A-share market and Hong Kong stock market.

Ruixiang concept stocks are divided into four categories, one is listed companies that directly participate in Ruixiang’s equity financing, that is, Ruixiang’s shareholders.

Such as the four major banks, PICC, CPIC, Taiping Insurance, New China Insurance and so on.

The second category is listed companies that cooperate with Ruixiang Group in equity investment.

For example, Xinwang Group, Dami Group, and Heiqi Chain, which established Xingwang Bank with Ruixiang, Yinzhijie, which established Yian Insurance with Ruixiang, and Rongcheng Bank, which jointly holds shares in Jincheng Xiaojin with Ruixiang.

The third category is the listed companies in which Ruixiang holds shares, such as Gome, Transsion, which is waiting in line for listing on the Science and Technology Innovation Board, and so on.

The fourth category is the companies that have cooperated with Ruixiang, and it is also the category with the lowest gold content and the largest number.

Including the core advertising agents of Huayang Lianzhong, BlueFocus, Shengguang Group, Gravity Media, Global Printing, Xuanya International, etc.

Feike and Nanji E-commerce, which sell goods on Pinduoduo, and Jihong, Caixun, etc., which have business cooperation with Pinduoduo.

And Jingcheng Culture, Palm Fun Technology, etc., which have cooperated with Ruixiang on digital content business.

There are also Ruixiang’s partners in the field of financial technology and enterprise services, such as Yuxin Technology, Kelan Software, Sunlight Technology, etc.

Basically, as long as the listings that have a little bit of business with Ruixiang come out to gain a sense of presence, it is clear that they want to take advantage of this wave of enthusiasm.

This can be regarded as one person attaining the Tao, and the chicken and dog ascended to heaven.

This made Zhang Yida very speechless, the big A shares were too restless.

In his opinion, the cooperation between several companies and Ruixiang was negligible, and they even gained a few daily limit.

But as long as he doesn't exaggerate the disclosure of cooperation information, he doesn't bother to care about these listed companies.

……

Rongcheng.

Although the company is about to go public, normal business still has to be carried out in an orderly manner.

Zhang Yida and Hong Haibo, the president of the financial technology business group, came to Rongcheng to solve the equity issue of Jincheng Consumer Finance Company.

Glancing at the Rongcheng Bank executives sitting on the opposite side of the conference room, Hong Haibo said calmly, "The three-year period has passed. Shouldn't the agreement between Rongcheng Bank and us be fulfilled?"

"What agreement?"

Zhang Peng, the new chairman of Jincheng Xiaojin, was at a loss. He succeeded Wang Fei last year and became the new chairman of Jincheng Xiaojin.

The original chairman, Wang Fei, was promoted from the position of chairman of Jincheng Xiaojin and president of Rongcheng Bank to chairman of Rongcheng Bank.

The former chairman of Rongcheng Bank, Li Jie, resigned last year and no longer holds any position in Rongcheng Bank.

Hong Haibo turned his head and glanced at Zhang Yida where the old god was present, and the latter nodded to him.

So, Hong Haibo talked about the agreement he had made with Li Jie, chairman of Rongcheng Bank three years ago.

"Three years ago, the total annual loans of Jincheng Consumer Finance was 15.3960 billion, and the net profit was 7450 million.

With the help of Ruixiang's world-leading financial technology and traffic, Jincheng Consumer Finance has issued a total of 370 billion yuan in the first half of this year, and the daily loan has exceeded 2 million yuan in a single day.

This data ranks third in the industry after China Merchants Union Consumer Finance with a daily loan of 6 million yuan and Immediate Consumer Finance with a daily loan of 3.75 million yuan. It is higher than Industrial Consumer Finance with a daily loan of 1.2 million yuan.

In the first half of this year, Jincheng Consumer Finance created a net profit of 4.2 million yuan, which was lower than the 7.1 million yuan of Zhaolian and 4.42 million yuan of Xingye, and higher than 3.01 million yuan of Ma Ma, ranking third in the industry.

Among the 24 licensed consumer finance companies that have officially opened, we rank among the top three in the industry in terms of loan amount, revenue and net profit.

Three years ago, Jincheng Consumer Finance could only rank in the middle of the less than 20 companies that have opened, and it was only about 10. "

Hong Haibo said with a smile, "Do you know why there is such a big change?
What's more, the loan amount of Instant Consumer Finance is almost twice that of ours, but the net profit is only 70% of ours.

The reason is very simple. Jincheng Xiaojin has won the unreserved support of Ruixiang.

Mung bean credit points are fully integrated into several Jinnangdai products under Jincheng Consumer Finance, and top financial technologies such as Ruixiang Super Brain and AI Risk Control Engine are also shared with Jincheng Consumer Finance.

Bad debt rate, we are the lowest in the industry;

Traffic, connecting Jincheng Xiaojin’s loan products to Touronghui, Doushi, and Kuaishou, can be said to be the best resource in the industry;

Oh, by the way, there are also employees. Three years ago, Ruixiang recruited all the elites to help Jincheng Xiaojin complete the upgrade from offline to online business.

In the past, Jincheng Consumer Finance was trapped in a corner of Sichuan and Shu, but now it is a well-known leading consumer finance company in the whole country.

According to the agreement between Ruixiang and the two chairman Li Jie and Wang Fei, as long as we increase the two indicators of loan amount and net profit by 6 times within three years, the management rights will continue to be granted to us. "

Zhang Peng nodded, he knew what Hong Haibo said.

Although Rongcheng Bank is a bank, it is just a city commercial bank. Its strength in storage, technology and other aspects cannot be compared with the four big banks and joint-stock banks.

Without Ruixiang's participation, Jincheng Xiaojin would not have been as successful as it is now, and it actually stepped on several stock companies.

Zhang Peng glanced at Zhang Yida who was smiling but said nothing, and said with a faint smile, "No problem, I'll just take the post of chairman.

Hasn't Ruixiang been in charge of the Jincheng consumption of gold all along?Just continue to fulfill the previous agreement! "

Hong Haibo chuckled, if it was just a matter of the company's management rights, they wouldn't go through so much trouble, and Zhang Yida even went to Rongcheng himself.

Ruixiang only holds 35% of the shares of Jincheng Consumer Finance, and is the second largest shareholder, but does no less work than the major shareholder.

And Rongcheng Bank, the major shareholder, has been sitting behind and counting the money.

It's been three years, so it's time to readjust the ownership structure, right?
It's just that this adjustment must be difficult. Who wants to give up the fat that is in the mouth?
Sure enough, when Hong Haibo proposed to increase his shareholding to 51%, Zhang Peng suddenly changed his face and said, "Mr. Hong, isn't this against the rules?"

Hong Haibo smiled and said, "Why is it against the rules? Those who can work will get more. Is there any problem?"

Looking at Hong Haibo who was smiling but not smiling, Zhang Peng felt a little angry, but he suppressed it.

Because Jincheng Xiaojin relies too much on Ruixiang, no matter what, we should try our best to avoid the step where the two sides turn against each other.

"Mr. Hong, you hold 35% of the shares, and we only have one point more than Ruixiang."

Zhang Peng began to pour out his bitterness, saying how the performance of Rongcheng Bank was not good and the stock price was weak.He also talked about how hard it was for Rongcheng Bank to apply for this consumer finance license.

Anyway, he didn't confront Ruixiang head-on, nor did he have any verbal conflicts with Hong Haibo.

The slippery Zhang Peng made Hong Haibo frown, and the other party kept avoiding the most serious and refusing to answer questions directly.

He looked at Zhang Yida, but the other party was also looking at him.

He knew that it was not easy to bother Mr. Zhang with such a small matter.

So he simply stated clearly, "If Ruixiang does not hold Jincheng Consumer Finance, we will strategically abandon this company.

Yimin Consumer Finance is actually quite good, although it is still under construction.

As long as the preparations are completed, the business and consumer finance scenarios of Yimin Wangjin, Yimindai, Ruixin Group, and Yimin Wealth will be incorporated into the new company, and the rise will be very fast. "

(End of this chapter)