Zhang Yida sorted out his language and decided to have a showdown with Guo Huiqi.

Looking at Guo Huiqi, who was looking at him with "bad intentions", he said: "I think Jincheng Consumer Gold now needs a strong shareholder to join in to lead them out of the quagmire.

Whether it is Ruixiang or Yimin Wangjin, they all have super-first-class financial technology and Internet financial product operation capabilities.

What is the main work of Jincheng Consumer Finance now?

It's a bad business, but it's hard to scale. And also have to face competition from major banks.

Compared with banks, which can freely absorb savings, licensed consumer finance has many restrictions, and there is no advantage in the cost of funds.

Therefore, even if it is a relatively safe secured loan such as a second mortgage for a house, Jincheng Consumer Finance is also a subordinated loan that the bank does not want. ”

Guo Huiqi smiled and said, "Then according to Mr. Zhang's opinion, Jincheng Consumer Finance should accept you as a new shareholder and lead the company to a new level?"

"It's better to sit back and fight. Zhang Yida looked up at the dazzling chandelier above his head, and said slowly:

"Jincheng Consumer Finance has always relied on Rongcheng Bank to do a little business in Sichuan, and it doesn't even have the courage to go out.

Home Credit, which was established at the same time as him, has already been staking all over the country.

Industrial Consumer Gold, China Post Consumer Gold, Bank of China Consumer Gold, and Zhaolian Consumer Gold, which were established later than him, are also recruiting troops on a large scale and eyeing the consumer finance market.

The consumer finance market is an attractive big cake, with the big four major banks, joint-stock banks, industrial companies, and foreign banks...... Everyone wants a piece of the pie.

In this kind of contentious world, this conservative operation of Jincheng Consumer Gold is like a chronic suicide. ”

Guo Huiqi took a sip of the goblet containing red wine on the table and said, "Hong Leong Group only holds 49% of the shares of Jincheng Consumer Gold, and the other 51% of the shares are in the hands of Rongcheng Bank.

The shareholding matter is very large, we can't do this, and we still need to negotiate with Rongcheng Bank. ”

"Miss Guo, you are modest, Hong Leong Group also holds nearly 18% of the shares of Rongcheng Bank, which is equivalent to indirectly holding 9% of the shares of Jincheng Consumer Gold.

All in all, you are the largest shareholder of Jincheng Consumer Gold!"

Zhang Yida is very aware of Hong Leong Group's influence in Rongcheng Bank, and compared with the largest shareholder, Rongcheng State-owned Assets Supervision and Administration Commission, the shareholding ratio is only 0.07% less than that of the other party.

In Zhang Yida's mind, as long as Hong Leong Group nods, the matter of investing in Jincheng will be inseparable.

Looking at Zhang Yida's hopeful eyes, Guo Huiqi's eyes rolled and said, "This matter is not that it can't be discussed." ”

Zhang Yida leaned over, ready to listen to Guo Huiqi's conditions.

"The key depends on what kind of conditions you Ruixiang or Yimin Netfinance can give. ”

"Conditions?"

Zhang Yida smiled and shook his head, this eldest lady still negotiated conditions with herself. In my previous life, I remember that in 18 years, Jincheng Consumer Finance increased its capital and shares, and Hong Leong Group transferred a lot of shares to Chow Tai Fook.

The share transfer price is 9% off the value of the shares compared to when it was first established in 2010.

has been in operation for more than 8 years, and there is a consumer finance license that enjoys a market premium, and the transfer of shares is actually at a loss.

It is conceivable how badly Jincheng Consumption Gold is operating.

"Miss Guo, you should first learn about the specific operation of Jincheng Consumer Gold!

After understanding, it is not too late for us to talk about the conditions. ”

Regarding the shareholding in Jincheng Consumer Gold, Zhang Yida wanted to enter as a savior, but he didn't want to be a big wrongdoer.

"That's fine, I don't know much about the specific operation of Jincheng Consumer Gold. I'll talk about it when I understand!" Guo Huiqi replied.

"Mr. Zhang, what are you talking about with my cousin? ”

Guo Yisheng went and returned, and slowly walked over with two men.

"Second brother, we didn't talk about anything, mainly talked about each other's views on the Internet finance industry. ”

Without waiting for Zhang Yida to reply, Guo Huiqi answered first.

Zhang Yida guessed that there were a lot of bullshit in the big family, and it was not necessarily as harmonious as it seemed. Seeing that Guo Huiqi didn't mention the matter of Jincheng's consumption of gold, she immediately nodded and said:

"Yes, Miss Guo's wisdom and beauty coexist, and many of the points she put forward are refreshing to me!"

Guo Huiqi glanced at Zhang Yida and didn't speak again.

"Internet finance! This is really hot, and my family has recently set up a P2P company in Indonesia - Danamas.

I heard that Mr. Zhang's Yimin Netfinance has also established a joint venture P2P company in Indonesia - Yimin bank.

Yimin Netfinance is a listed company on NASDAQ, with abundant funds and mature technology, which puts a lot of pressure on our start-ups!"

The speaker is Huang Xiwen, about 30 years old, the third-generation successor of Indonesia's Sinar Mas Group, the grandson of the Chinese billionaire Huang Yicong.

"Haha. Mr. Huang laughed. With the support of Sinar Mas Group, no matter how small a start-up is, it has the opportunity to grow into a towering tree. ”

Zhang Yida also has some understanding of the strength of Sinar Mas Group. Its business is mainly concentrated in four core industries: pulp and paper, agriculture and food, finance, and real estate. It has 150,000 employees and assets of more than $20 billion.

The paper industry, in particular, is one of the top 10 paper companies in the world. The three domestic household paper brands of Qingfeng, Zhenzhen and Weijieya are also theirs.

A twenty-eight or nineteen-year-old man standing next to Huang Xiwen spoke: "Mr. Zhang, your RPay has been developing rapidly in Indonesia for more than half a year! ”

"Mr. Li won the award, and it was thanks to the other three shareholders that he barely gained a foothold in Indonesia. ”

Zhang Yida behaved modestly, and the man he spoke to was Li Chuan, the grandson of Indonesian money king Li Wenzheng.

Lippo Group started in the banking industry, and there are many banks.

Indonesian Commercial Bank, Central Asian Bank, BNP Lippo Bank, Lippo Financial Australia, California Lippo Bank, Hong Kong Chinese Bank, Donghai Lippo Bank and other banks are their own.

The first generation of Chinese chaebols generally started from industry and processing industry, and after the second generation took over the business, the outstanding ones did their business in China.

Now it is time for the third generation to take over, and the rich three generations after graduating from these famous European and American business schools have basically shifted their attention to the "new economy".

For example, the Li Chuan in front of him can be regarded as the third-generation best person in the Indonesian Chinese family in his previous life.

He founded the e-commerce website MatahariMall, the e-payment wallet OVO, and also cooperated with Leech Financial Services......

"Mr. Zhang is modest, in the field of mobile payment, Ruixiang Group can indeed be called the world's leading enterprise. ”

Li Chuan praised it and said: "I started an e-commerce website MatahariMall a few months ago, mainly selling mobile phones, clothing, department stores and so on.

But I feel that I entered the market a little late, and e-commerce companies like Tokopedia and Bukalapak have grown, and they have each received several rounds of financing, which is very difficult to deal with. ”

Zhang Yida said with a smile: "After all, Indonesia's e-commerce market has just grown, and there are still various opportunities. ”

Li Chuan shook his head and said with a smile: "Mr. Zhang still has vision, I heard that you invested in several Internet companies in Indonesia last year, including Bukalapak and Tokopedia, right?"

"Yes. Zhang Yida nodded and said: "I am very optimistic about these two companies. ”

"In 14 years, we at Sinar Mas Group have set up a venture capital company, SMDV, and have been focusing on investing in the new economy sector.

If Mr. Zhang is interested, SMDV is very willing to carry out some cooperation with Ruixiang Group. ”

Huang Xiwen's words were sincere, and he also saw Ruixiang's great achievements and wanted to form an alliance with him.

Ruixiang Group has been initiating the establishment of an industrial fund, and if SMDV is interested, it can be our LP and participate in our third phase of the industrial fund. ”

Zhang Yida also values the local energy of these Chinese chaebols, and if he wants to make a fortune in Southeast Asia, it is indispensable to bring these people to play.

In the previous life, Danamas, a subsidiary of Sinar Mas Group, was the first P2P company in Indonesia to obtain a license, so it knew the energy of the other party.

Huang Xiwen is very happy that Ruixiang Group has won a number of unicorns in Southeast Asia, and its investment vision can be seen, and it is great to be able to take this money-making ride.

"Can we Lippo Group also participate in one?" Li Chuan interjected.

"Haha!" Zhang Yida said, "That's very welcome!"

"Our RPay is a very good project, are Mr. Li and Mr. Huang interested in participating in the investment?"

Zhang Yida threw out the first bait, ready to tie the two local Chinese chaebols in Indonesia to the chariot.

Especially Li Chuan, the OVO e-wallet launched by Lippo Group in the previous life has become the mortal enemy of GoJek's GoPay, similar to the hostile relationship between domestic Alibei and WeChat Pay.

Now, Rui Xiang has taken over the banner of GoPay, and he doesn't want another OVO and RPay to fight to the death.

Li Chuan's eyes lit up, and e-wallets are also an entrepreneurial field that he is very optimistic about, and he is planning to enter this field to do a great job.

But now Zhang Yida threw an olive branch to him again, making him hesitate and asking Zhang Yida: "How much share can be released?"

"Ruixiang must occupy a controlling position, otherwise our complete set of domestic system products will not be transplanted. ”

Zhang Yida first said in a non-negotiable tone, and seeing that the two of them looked as usual, he continued to speak:

"For the specific release of shares, I need to go to Indonesia and discuss with the other three major shareholders. ”

Huang Xiwen pondered for a moment and said, "Mr. Zhang, if we can let the two of us take a stake in RPay, we won't let everyone suffer."

All of our properties, including hotels and shopping malls, can work with RPay to help establish RPay's position as the number one payment company in Indonesia. ”

Li Chuan also said: "Ruixiang provides advanced technologies and models, and the two of us can also provide offline application scenarios. Everyone gathers firewood and the flame is high, and everyone comes together to make this cake bigger. ”

"Okay, that's it. In two days, I will go to Indonesia to inspect it, and we will talk about it in detail. ”

Huang Xiwen and Li Chuan both nodded in agreement.