At a manor in Jakarta, under a sun umbrella, four people gathered to drink tea.

Except for Zhang Yida, the other three were all old men in their fifties and sixties.

Wearing a Bartick printed shirt, Weng Junmin does not look old at all, although he is 65 years old.

If it weren't for the Mediterranean hairstyle, I would have looked like I was in my early fifties.

As soon as this old man came up, he greeted Zhang Yida enthusiastically in Chinese, and even exaggerated Yida's acquisition neatly.

Looking at this old man with a hearty smile, Zhang Yida thought a lot.

His ancestral home is Putian, Fujian Province, and his father went to Nanyang to Jakarta to work as a laborer at the age of 12. He himself was born in Surabaya, Indonesia in 1952.

The event that changed the trajectory of his life happened when he was a student at Nanyang University in Singapore, where he met his current wife, Li Hong, the daughter of Indonesian money king Li Wenzheng.

It was the 70s, and Lee was already the president of Indonesia's largest private bank.

The reason why he is willing to marry his daughter to this poor boy is mostly because he can be admitted to Nanyang University in Singapore.

Nanyang University in Singapore is the first overseas Chinese university in history, and it was also the only Chinese university in Southeast Asia and even overseas.

It is conceivable that the status in the hearts of Chinese in Southeast Asia!

In the first week after marriage, Li Wenzheng said to him: "I have a decision, my son-in-law is not allowed to work in my bank!"

Immediately, 21-year-old Weng Junmin blurted out: "I don't know what I'm going to do, but I want to surpass you!"

Later, Weng Junmin really came out of his own business, and became the only family member who did not participate in the family business of Lippo Group.

Starting from a small business, Weng Junmin has sold Yangcheng Zhujiang mooncakes and acted as an agent for Dongying Automobile.

It wasn't until the financial turmoil broke out in Indonesia in 1997 that he succeeded in buying the bottom, and his career really soared!

This year's Forbes list was also released, and he ranked 8th in Indonesia with a worth of 3.5 billion US dollars, surpassing his father-in-law Li Wenzheng, who is worth 3 billion US dollars and ranked 9th.

At the same time, he also fulfilled his vow 40 years ago! Weng and his son-in-law are all the top ten richest people in Indonesia, which has become a great talk!

In addition, he was once a popular candidate for vice president of Indonesia.

Although he was not successfully elected, he also has deep connections in Indonesian political circles, and is one of the nine members of the Indonesian President's Advisory Council, and the only Chinese among the nine.

In addition, Guoxin Group, which he founded, has also established a scholarship fund in Beijing University, and this year I also donated more than 100 million yuan to Fujian Province.

It sounds like a story of a poor boy marrying Bai Fumei and being worth a counterattack on his father-in-law!

But Zhang Yida heard Li Wenzheng's grandson Li Chuan say that Weng Junmin was involved in the automobile trade once in the 80s, and it was the support of his father-in-law that allowed him to regroup.

But that doesn't mean he denied his personal efforts!

In the more than ten years since he got married, he has almost always started his own business and has not received any support from Li Wenzheng.

Weng Junmin started similar to Samsung's eldest son-in-law, but the ending was completely different!

Zhang Yida feels that this is the cultural treasure inherited by the Chinese nation at work!

Because Chinese believes: "Princes and generals would rather have a kind", "Victory is created with both hands"......

There is also a reason why more than two-thirds of the billionaires in the ten countries in Southeast Asia are Chinese.

In addition, I have to say that having a good father-in-law is really a few decades of struggle!

Futukang Guo Fetus, Li Jiacheng, and South Korea's Lotte Group also started by their fathers-in-law.

Some people lack such an opportunity in this life, if there is an opportunity, the carp will jump into the dragon gate, and if there is no opportunity, they will be lost under the passage of time!

The elegant man in a white shirt next to Weng Junmin is Chen Zhishen, the president of Bangkok Bank, and the grandson of the founder of Bangkok Bank.

This is also nearly sixty years old, and his fame was when Thailand suffered a financial crisis in 97, he led Bangkok Bank through the crisis safely, and also became Thailand's largest commercial bank, with total assets of more than 50 billion US dollars.

Not to mention Huang Hongnian, who was once known as the first mentor of China's capital operation.

This group of people naturally understands finance anymore, and Zhang Yida talked about the Internet + finance he is good at.

"The biggest change of the Internet to the financial industry is reflected in the word "efficiency".

The definition of Internet banking is to move traditional banks to the Internet, provide customers with Internet financial services, and realize all business operations of banks.

The significance of the existence of Internet banking is to supplement the traditional banking business.

Generally, traditional banks mainly serve large companies, and basically do not benefit small and micro customers.

Internet banks, through cutting-edge technologies such as big data and AI, have made it possible to serve the small and micro economy.

For example, the cost of opening a branch of traditional banks, including the maintenance costs of various channels such as branches and branches, as well as the operating costs of pre-loan and post-loan, often accounts for 50%-65% of the total cost of opening branches.

All customer acquisition, risk control, and services of Internet banking are completed online, which can greatly save the decoration and rental expenses of branch construction, and the labor costs of branch service personnel......"

The three of them listened carefully to Zhang Yida's introduction that China's Internet financial technology has undoubtedly been at the forefront of the world.

And Zhang Yida, who holds a super unicorn like Ruixiang and several listed companies with mutual funds, is undoubtedly an expert in this.

So Huang Hongnian came to work as a lobbyist, Weng Junmin and Chen Zhishen almost didn't think much about it, so they happily agreed to the request to form a joint consortium to jointly acquire the gem bank.

They got together today to discuss the next operational strategy and plan for Gem Bank.

Zhang Yida continued: "Under the traditional bank counter business model, customers need to wait in line for their numbers, and may also face situations such as poor service and difficulty in approving loans, which is time-consuming and laborious.

However, Internet banks do not have physical outlets or branches.

Customers can open an account online, without being constrained by time, place, space, etc., and can complete all financial business transactions;

Through networking, programmatic transactions and computer fast and automated processing, it saves cumbersome procedures and time to run outlets. ”

Weng Junmin asked with a serious face: "Yida, according to what you mean, are you going to abolish the offline branches of Gem Bank and fully transform online?"

Zhang Yida nodded, "Yes, that's what it means." The labor costs saved will be converted into bank profits. ”

"Gem Bank has more than 200 branches and nearly 400 branches, and this sudden closure may leave tens of thousands of people unemployed. ”

Chen Zhishen considered the social impact, a foreign-funded company acquired a local bank in Indonesia, and laid off tens of thousands of employees at once, this is not an explosion!

Hearing this, Weng Junmin, who was proficient in politics, suddenly changed his face.

He waved his hand and said: "Layoffs are definitely not possible, let alone laying off tens of thousands of people at once, even laying off thousands of people will cause a lot of controversy."

We are all Chinese-owned, and it is easy to arouse the hostility of the Indonesian authorities and the whole society. ”

Zhang Yida had expected this, and explained with a smile: "There is no rush in this matter, you can take your time." It is impossible to lay off tens of thousands of employees at once.

This reform should also be carried out step by step. In addition, before the scale of Internet banks grows, traditional businesses are also needed to generate profits.

I also have a plan B to set up a separate internet bank in addition to the traditional banking business of Gem Bank.

In this way, there will not be too many conflicts with traditional business. ”

"This method is possible, but there is no relevant financial license in Indonesia at the moment. ”

Huang Hongnian looked at Zhang Yida and asked his own questions.

Zhang Yida looked at Weng Junmin and said with a smile: "This requires some effort from Weng Lao, isn't OJK issuing P2P licenses?

Weng Junmin has also been in business for more than 40 years, and when he heard this, he immediately knew why Zhang Yida was so kind to pull himself in.

It turned out that he wanted to use his political and business resources!

However, he is not disgusted, and doing business in partnership is originally to invest resources together.

Zhang Yida showed top financial technology and operational experience, and he naturally needs to show something.

"That's no problem, I can communicate with OJK officials. ”

Chen Zhishen also said: "If the Indonesian case is more successful, on the Thai side, we at Bangkok Bank can also communicate with the authorities." ”

Zhang Yida nodded and smiled, "Then there will be two Lao!"

"These are the little things!"

Weng Junmin waved his hand, and a pair of eyes that were slightly puffy because of his age looked at Zhang Yida with a bright eye, "That technology and talent ......"

"Yiminbank can be merged into the gem banking system!"

Weng Junmin had naturally heard of Yiminbank, and he also knew that it was running quite well, with hundreds of millions of monthly loans and amazing profits.

He laughed and said, "That's a loss for Yida, and we old guys will pick up the bargain." ”

Zhang Yida waved his hand and said with a smile: "Since they are partners, they should be prosperous." ”

After negotiating the investment of their respective resources, there is basically no major problem.

Zhang Yida began to tell the three of them the stories of the three major domestic Internet banks, including WeBank, MYbank, and Xingwang Bank.

When they heard the words "hundreds of billions of loans a year" and "valuation of hundreds of billions", the three of them became even more interested.

Zhang Yida did not try to fool around, but compared the population and economic gap between Indonesia and China, and made a realistic estimate of the Indonesian Internet bank.

In the end, it was concluded that the goal of reaching one-tenth of the volume of micro-niche and online merchants is more realistic.

The three of them all nodded, and one-tenth of the volume is also very good, and it is also a company with a valuation of tens of billions.

However, all three of them are bankers, so they still prefer to watch something real.

Valuations are a bit of a fictitious thing, and they want to hear numbers like actual revenue and net profit.

The actual revenue and net profit of Internet banks are not bad, taking WeBank as an example, the revenue in 16 years is 6.7 billion, and the net profit is 1.4 billion.

The three of them were finally satisfied, because these numbers could be checked, and they were not afraid that Zhang Yida would tell lies to fool them.

Internet banking is very interesting!

"I heard that you and Bonima have a bit of an unpleasant quarrel, do you need me to ask the Chaoshan Chamber of Commerce to help you make peace? ”

Chen Zhishen's family is also from Chaoshan, and has close ties with Chaoshan chambers of commerce in Hong Kong and the mainland.

Ponima is also a Chaoshan native, and Penguin also received investment from Li Zekai, who also belongs to the Chaoshan Business Gang, in the early days.

Zhang Yida politely declined the kindness, the contradiction between Ponima and him is too great, and Ponima will definitely not show weakness before he hurts the penguin hard.

And if Zhonghe is allowed to withdraw from some fields, then what is the point of this peace?

Chen Zhishen is just mentioning it, he also knows the energy of Bonima, and a chamber of commerce may only be able to deliver two sentences.

Seeing that Zhang Yida had no intention, he simply didn't mention it.