This doesn't make sense!

Why does the largest shareholder give up the chairman's throne to the second largest shareholder?

For a time, Mr. Wang, the third largest shareholder, Hank, the representative of Citigroup, and President Wu were all on the spot.

The first to react was Mr. Wang of Modu International Group, who was also a person in the system, and quickly figured it out, and immediately raised his hand happily and said with a smile: "The candidate recommended by Mr. Liu is too suitable, Mr. Fei's ability is obvious to all, under his leadership, I believe that Shanghai Pudong Development Bank will usher in new glory." I'm for it!"

Well, the top three shareholders have agreed, and there is no need to ask what the attitude of the rest is.

Hank also raised his hand in agreement, expressionless.

President Wu was surprised and delighted in his heart, he didn't expect that Yu Wenfei would serve as the new chairman!

This is my own junior, dear!

I also had a fight with the chairman of the board of directors for the loan of the family music company a while ago, and Yu Wenfei must not forget this feeling, so with Yu Wenfei, the chairman and the second largest shareholder, covering himself, the future will be better.

Yu Wenfei smiled slightly, "Thank you shareholders for your trust, let's make a statement first, I already have a general direction for the future planning of Shanghai Pudong Development Bank." After taking up the chairmanship, I will work with President Wu to expand the business of SPD Bank and will not disappoint my shareholders. ”

The chairman, of course, controls the general direction of the company and basically does not participate in the daily management work.

Therefore, holding such a position more will not have much impact on Yu Wenfei.

He just wants to let SPD Bank move forward according to his own ideas under his own control, and escort the launch of WeChat payment business!

When the new chairman takes office, of course, he has to report his work ideas and policies to the board of directors, and Yu Wenfei doesn't want to trouble everyone to get together for a special meeting to listen to his report in the future, so he will simply tell you directly about it this time, anyway, he has already thought about it.

"When it comes to financial expertise, it's clear that there are a lot of people here who are much more professional than I am. Yu Wenfei said with a smile.

Everyone will also smile, the few people here, except for Yu Wenfei and Mr. Wang of Modu International, the other three are all elites in the financial industry.

Needless to say, President Wu has served as the president for many years, and has been working in the financial industry for more than 20 years after graduating with a master's degree in finance from Jiaotong University.

Needless to say, the one from Citi is also clearly the elite of the financial industry.

As for Mr. Liu, who is invested in international trusts, his qualifications are much deeper than that of President Wu! Education, background, experience, etc., all aspects crush the existence of President Wu, otherwise it is impossible for the city to rest assured that he will be responsible for the funds of up to hundreds of billions of yuan.

No matter how talented Yu Wenfei is, no matter how great his achievements are, but in terms of professionalism, he is obviously not as good as these people.

"However, for the development of SPD Bank, perhaps I, as a layman, can look at this issue from a different perspective. What I am going to say next will help the Shanghai Pudong Development Bank complete the overtaking of the corner! From a local commercial bank to a national bank second only to the four major state-owned banks!" Yu Wenfei's face became serious and he said very seriously.

The conference room was silent, everyone was listening to him attentively, although Yu Wenfei's words were a bit big, the foundation of the Shanghai Pudong Development Bank is good, relying on the construction and development of Pudong New Area, coupled with the support of the city, the development is very fast.

But no matter how you say it, it only started as a local bank in Pudong New Area, and it is not even as good as Modu Bank, and it is not ranked first in the country. Any province pulls out a provincial-level local bank, which is much stronger than Shanghai Pudong Development Bank.

Why is Yu Wenfei confident that SPD Bank will be among the top national banks?

"In the next period of time, the focus of our Shanghai Pudong Development Bank will shift to two aspects, the first is the credit card business!" Yu Wenfei said dryly.

The corners of Citibank's Hank's mouth curled, a smile appeared on his face, and he felt a little disdainful in his heart, and his feelings were blown by Yuwenfei for a long time, it was the credit card business.

Anyone who is a veteran of the banking industry who doesn't know the importance of the credit card business, does it still need you to say?

All the banks were vying for high-quality credit card customers, but in the environment at the time, many people still had a deep misunderstanding of credit cards. Chinese people have a good habit of saving, and credit cards are overdrafts of future income, which is contrary to the tradition of Chinese people.

Therefore, although the major banks are advocating the credit card business and have put a lot of effort into tapping customers, the results are not very good.

Even so, all banks have not given up their efforts, because they all know that the proportion of the credit card business market will determine the future of the bank!

SPD Bank is only a local bank, and although it has also carried out credit card business, it has not been very smooth because of its small number of branches and small coverage.

Credit cards are quite restrictive, especially in 2003, when just a credit card repayment was quite troublesome. Because you need to go to the bank branch where the credit card belongs to repay the loan, there is no such thing as inter-bank repayment.

It is better to say that several large state-owned banks have many outlets, and it is more convenient to repay loans.

But for small banks, it's too much of a hassle.

Except for Hank, the others were also a little unimpressed, but everyone didn't say anything, waiting for Yu Wenfei to continue to explain.

Obviously, Yu Wenfei also expected everyone's reaction, and he continued unhurriedly: "The second aspect is actually closely related to the credit card business, that is, the online banking business! In the future, our Shanghai Pudong Development Bank will fully open the Internet banking, so that all users can freely pay and repay through the Internet! This will also completely solve the problem of too few outlets of our Shanghai Pudong Development Bank." ”

Internet banking?

This has aroused everyone's interest.

Like Mr. Liu, President Wu, and Hank, they are all veterans of the financial industry, and of course they have heard of the concept of online banking.

However, this concept has not yet been fully implemented, and in Europe and the United States, some banks have begun to try to launch online banking services, but they have not been fully promoted. As for China, there is no bank with this business, but I heard that China Merchants Bank in the south is preparing to launch this business.

"Oh, can Fei always explain this in detail? The business of online banking is very trendy, but as far as I know, the risk of conducting financial business on the Internet is very high, in case the user does not understand the computer and does not know how to operate, and the computer is infected with a virus or something, there will be a great risk, how to solve this problem?" Mr. Liu asked with interest.

"It doesn't matter if you don't understand the computer and don't know how to operate, we can simplify the operation, so that users can understand it at a glance, and when the online banking was first launched in the early stage, the functions can be less, and the functions will be slowly added after everyone is used to it." As for the computer virus or something, this is actually very easy to solve, set up a technical department, recruit technical experts, develop online banking payment security plug-ins, every time the user starts the online banking client, the plug-in will automatically scan the computer working environment to prevent virus incursion. However, when our online banking is fully rolled out, combined with our credit card business, we will be ahead of all competitors and occupy the main group of new consumers!" Yu Wenfei said in high spirits.

President Wu, Mr. Liu, and Hank fell into deep thought, Yu Wenfei's idea is very executable at present!

Although there are still many technical problems to be solved, they are not big problems, and the technical problems can be solved, but this strategic transformation, once successful, can determine the future of SPD Bank!

"But...... Shanghai Pudong Development Bank is still a small bank, we can't spread out outlets across the country, even if the online banking is good, no matter how easy the credit card is, but how do users use the card? How to repay the loan in the future? If the card can't be done, what's the point of the next ones? ”

Hank suddenly spoke, he felt that he had grasped the loophole in Yuwenfei's plan, that is, landing! No matter how good the plan sounds, it sounds beautiful, but if it can't land, it is empty talk!

One of the simplest problems is that Shanghai Pudong Development Bank now has more than a dozen outlets in Modu, and there are seven or eight outlets in Jiangsu and Zhejiang provinces, which is also the way for Shanghai Pudong Development Bank to directly contact users, and the coverage is too small.

So, users from other places can't come to the magic capital in order to get a card, and when they repay the loan every month in the future, do they have to go to the magic capital?

"Mr. Hank is right, are we going to start a nationwide expansion and open outlets? Wouldn't that be too risky...... Mr. Liu also frowned.

How could Yu Wenfei not think about this question, he smiled, and patiently explained: "Let's talk about the problem of applying for a card first, why do we have to let customers go to the outlets to handle it? Gentlemen, times have changed! Now that the Internet is so developed, we can directly open an online application channel, and what information is needed for users to mail it over, or directly send it to the electronic information!"

Of course, we can't give up the traditional channels, and if SPD Bank wants to become a large national bank, channel outlets are still needed. But we can take it step by step, the first step is to open outlets in all provinces and provincial cities across the country, and then slowly develop.

Occupy the first and second tier cities first, because in these big cities we have the largest number of potential target customers!

Everyone was stunned, Yu Wenfei's other identity?

Oh, Yu Wenfei has a lot of identities, big writers, students, Internet entrepreneurs, big bosses, etc., which one is he talking about?

"Facebook! With Facebook, an online social platform with the largest concentration of white-collar workers, it can be said that more than 70 or 80 percent of the groups who are qualified to apply for credit cards have Facebook accounts!