Seeing off Liu Chunhe, Zhang Yida ushered in a second guest, Antonio.

After chatting with Zhang Yida for a few words, he asked directly, "Mr. Zhang, are you serious when you say that you are interested in cooperating with RevolutionPrecrafted or investing in us?"

"Of course this is serious, Mr. Antonio. Zhang Yida said with a smile, "I think modular housing is quite interesting, Ruixiang Industrial Fund can invest in you."

If you want to enter the Chinese market, my company can help you promote it. ”

"Thank you so much. ”

Antonio is a rich second generation, his father is Jose Don Antonio, one of the top 50 richest people in the Philippines, a well-known real estate magnate.

Therefore, Antonio has no shortage of funds to start a business, and he pays more attention to the resources behind the venture capitalists.

Behind the Ruixiang Industrial Investment Fund stand the 12 chaebols in Southeast Asia, plus Temasek is the 13 chaebols.

Antonio attaches the most importance to Ruixiang Industrial Fund, and wants to use the resources of Ruixiang Industrial Fund investors in Southeast Asian countries to make his prefabricated housing business local.

Zhang Yida chatted with him for a while, and agreed that in a few days, he would send a due diligence team to the Philippines to investigate his company, and after completing a series of procedures, he would formally sign the shareholding agreement.

Seeing off Antonio, Zhang Yida lay on the sofa with a bright smile.

On the first day of the establishment of this industrial fund, a unicorn was caught, which is a good start and worth celebrating.

For this reason, Zhang Yida also opened a bottle of red wine, sat by the floor-to-ceiling window, faced the sea, and savored life.

Before he could taste enough life, Song Caiwei came to report, "Mr. Zhang, Miss Guo Huiqi is here." ”

"What is she doing here?" Zhang Yida was a little surprised, and thought about it, could it be a consumer finance company?

"Mr. Zhang, why are you so happy? I also tasted red wine. ”

Guo Huiqilian walked into the living room.

"Miss Huiqi, please take a seat. ”

Zhang Yida made a gesture of please, and pointed to the red wine again, "Do you want to have some?"

"Nope. Guo Huiqi waved her hand lightly and quipped, "I'm not as elegant as Mr. Zhang." However, only $2.5 billion has been raised, which is indeed cause for celebration. ”

Guo Huiqi mistakenly thought that Zhang Yida was celebrating the success of the fundraising, and Zhang Yida didn't bother to explain.

"Miss Huiqi, are you looking for me...... Could it be a consumer finance company?"

Guo Huiqi chuckled, "Mr. Zhang, you are like a god!"

After hearing this, Zhang Yida's spirits were lifted and he asked, "Is there a specific cooperation plan?"

"JC Consumer Finance is 51% owned by Rongcheng Bank and 49% owned by Hong Leong Bank Malaysia. ”

Guo Huiqi paused, and then said: "I mentioned to my father that Ruixiang intends to buy shares.

He has also communicated with Rongcheng Bank, and we are willing to transfer 10% of the shares to Ruixiang.

As for the transfer price, it is calculated based on the actual amount of capital contributed in 2010. ”

Speaking of this, Guo Huiqi said with a smile, "Mr. Zhang, you have picked up a big benefit, and the valuation of Jincheng Consumer Finance is equivalent to the same as when it first opened six years ago, and it has not risen a penny." ”

is only 20%, Zhang Yida is a little disgusted. This little bit of stake makes it difficult for me to do things!

"Miss Huiqi, if you only transfer 20% of the shares, then Ruixiang may have to live up to your kindness. ”

Zhang Yida's face also sank, this Rongcheng Bank and Malay Hong Leong Group are really a good calculation.

Give 20% of the shares, and I want to buy Ruixiang.

Ruixiang invests in any consumer finance company, and can inject scientific and technological genes into it, from financial product design to marketing and customer acquisition, to risk management, it can carry out comprehensive technological transformation, and the efficiency will be greatly improved.

To use an analogy, many consumer finance companies are still millet plus rifles, and Ruixiang is already an aircraft and a tank.

To apply for a loan, a customer of Jincheng Consumer Finance needs to fill in a lot of paper loan application materials offline, and the review time is still very long, as little as a few days, and as much as half a month or a month to complete the loan.

Ruixiang, on the other hand, applies online, and the risk control system automatically grants credit and completes the loan in a few seconds.

This work efficiency and technological power are completely incomparable.

Guo Huiqi smiled and didn't speak. She began to think back to the conversation she had with her father that day.

......

"Huiqi, all the loans issued by Rui to the group are completed through mobile phones, is this reliable?"

Guo's father read it carefully after getting all the business introduction materials of Ruixiang Group, and then asked about his daughter.

This is normal, because now is the era of big data, Ruixiang Group has a subsidiary called "Mung Bean Credit", which is specifically to collect all kinds of life and consumption data of users, and then score users' credit ratings.

Ruixiang Group then conducts credit line credit and risk pricing for users based on mung bean credit scores. ”

Guo's father asked again: "Then how did these living and consumption data get them, and what are them?"

Guo Huiqi explained: "Mung Bean Credit has carried out enterprise-level cooperation with foreign countries.

For example, there are cooperation with some online lending companies. When a user applies for a loan on the online loan platform, he or she will fill in his or her identity information.

After obtaining the user's authorization, the online loan platform will submit the user's identity information to Mung Bean Credit, and Mung Bean Credit will give feedback on the credit report.

In this way, it not only facilitates the risk management of the online loan platform, but also enriches its own database.

The more borrowing platforms Mung Bean Credit cooperates, the clearer it understands the co-debt situation of each user.

A user who often authorizes the lending platform to check the credit score of mung bean must be a user who often borrows. This kind of user risk is very high.

In addition, if a user's loan is overdue, Mung Bean Credit will also collect this information.

After so many years of development, Mung Bean Credit has cooperated with thousands of lending institutions, and they have basically mastered the lending data of most Chinese borrowers.

In addition, in addition to the lending field, Mung Bean Credit has also cooperated in multiple credit leasing fields such as renting and sharing bicycles.

As long as the mung bean credit score is authorized, the user does not need to pay a deposit and can directly enjoy commercial services.

With the growing strength of Ruixiang and the opening of cooperation in more fields, Mung Bean Credit Score will become more and more accurate in the future.

In terms of risk control and loan speed, Ruixiang is definitely one of the top fintech companies in China. ”

Guo Huiqi obviously did her homework, and her analysis was straightforward, and Guo's father nodded again and again.

"That Huiqi, do you think we should let Ruixiang Group take a stake in Jincheng Consumer Finance?" asked Father Guo.

"Yes!"

Guo Huiqi pointed to the financial statements on the table, and said, "Dad, you also saw it." Jincheng consumer finance has been developing for six years, which can be described as a turtle speed.

The consumer finance companies that opened later than it have all run ahead of it, and the scale of lending, revenue, and profits far exceed it.

Moreover, the borrowers of Jincheng Consumer Finance are basically from Sichuan and Shu provinces.

The regulator gave it the authority to lend money nationwide, and for six years, it has been stubbornly guarding Sichuan and Shu, not daring to expand outward. ”

The more Guo Huiqi spoke, the more angry she became, she glanced at her father, and said, "Also, I heard from the deputy directors we sent in the past that all the employees in the company are the children of the leaders of Rongcheng Bank. ”

"This doesn't have to be discussed. ”

Guo's father waved his hand and said, "If you participate in the management of the group's China business in the future, you must not mention these things." ”

"Okay!" Guo Huiqi pursed her lips and looked aggrieved.

"Then how many shares do we transfer to Ruixiang Group?" asked Guo Huiqi.

"Ruixiang Group's scientific and technological strength is so strong, they have invested in Jincheng Consumer Finance, and our shares will definitely increase in value in the future. ”

Guo's father said: "So the shares can't be transferred to them too much, and we don't have to make money if there are too many."

But it can't be too little, too little, Ruixiang Group will definitely have no development momentum. ”

Guo Huiqi's expression moved, "Then let Rongcheng Bank transfer more?"

Father Guo smiled, "It's not as simple as you imagined, you haven't dealt with these people, so naturally you don't understand."

This consumer finance license, to be honest, is still the light of others.

Otherwise, it wouldn't have been so easy to get. So far, there are only a dozen consumer finance licenses in China, which shows its preciousness. ”

"What's the use of being precious?" Guo Huiqi said unconvinced, "In their hands, it's no different from a small loan license with geographical restrictions." ”

"There are still benefits, at least Rongcheng Bank can get low-cost funds. Father Guo said with a smile.

"In this way, when you communicate with Zhang Yida, first put 20% of the shares to test him. ”

Guo's father added: "The bottom line of Rongcheng Bank is to transfer 15% of the shares, and we have 20% of the shares.

You add it to him little by little, but the upper limit is only 35%, and any more, it will be meaningless for us. ”

"If we transfer 20% out, then it's only 29%, which is the smallest shareholder. Guo Huiqi didn't understand.

Guo's father smiled and said: "Doing business pays attention to win-win." Rongcheng Bank is willing to fall, we can't accompany them, we have to save this asset that is about to depreciate.

29% is enough, as long as the assets can increase in value, it is much better than the current situation of not dying. ”

Guo Huiqi nodded, indicating that she understood.

Guo's father also said: "With 29% of our shares, Rongcheng Bank is still the largest shareholder, with 36%, and Ruixiang is 35%.

Don't you think it's interesting?"

Guo Huiqi smiled, "Dad, do you mean to do a favor?"

Father Guo smiled: "Let's take a look first, see which side is more suitable." This stake in our hands is very important, and both parties have to win us over.

Of course, under all the same conditions, I prefer to be sharp. However, Rongcheng Bank still has 18% of our shares, and the palms and backs of these hands are full of meat. ”

......

Guo Huiqi remembered her father's words and persuaded Zhang Yida: "Mr. Zhang, in fact, our Hong Leong Group is also quite difficult.

Rongcheng Bank is only willing to transfer 10% of the shares, otherwise, we Hong Leong Group will transfer another 5%, a total of 25% of the shares to you, okay?"

"Being a financial investment shareholder is meaningless to Ruixiang. ”

Zhang Yida said firmly: "If you can't be the largest shareholder, Ruixiang can only give up." ”

"Oh, yes. Zhang Yida said suddenly, "Ruixiang's shareholding in Xingwang Bank has been approved." For Ruixiang, the consumer finance license is also dispensable. ”