"Miss Huiqi, what is their opinion on Rongcheng Bank?"

In a conference room of the Jincheng Hotel in Rongcheng, Zhang Yida met Guo Huiqi, who flew from Malaysia to Chengdu.

"What Rongcheng Bank means is that I hope to talk to you in person tomorrow. I will also represent Hong Leong Group in this negotiation. ”

Guo Huiqi gently turned the coffee spoon in her hand and said unhurriedly.

Rongcheng Bank's slow work efficiency really made Zhang Yida a little unhappy, if he agreed to be a major shareholder or hand over the management of the enterprise, he would happily agree.

Now I'm negotiating again, and I don't know what kind of medicine is sold in the gourd.

"Miss Huiqi, you tell me the truth! What are you going to do with Hong Leong Group?"

Guo Hui smiled bitterly: "Although we own 49% of the shares, the other 51% is in the hands of Rongcheng Bank.

Of course, we would like to introduce Ruixiang as a major shareholder! But in the final analysis, it depends on the attitude of Rongcheng Bank, the controlling shareholder. ”

"Okay, let's talk about it tomorrow!"

Zhang Yida thought that he would see the real chapter tomorrow, so he didn't speculate too much.

Following.

Lan Lan and Zhang Yida came to Rongcheng Bank together, and in a conference room, they met Li Jie, chairman of Rongcheng Bank, Wang Fei, president of Rongcheng Bank and chairman of Jincheng Consumer Finance, and other leaders of Rongcheng Bank and Jincheng Consumer Finance.

Rongcheng Bank and Jincheng Consumer Finance are both Sino-foreign joint ventures, and the Chinese shares are controlled by the State-owned Assets Supervision and Administration Commission of Sichuan and Shu Province.

Therefore, Li Jie, Wang Fei and other executives are all civil servants with administrative establishments.

Zhang Yida and Lan Lan shook hands with Li Jie, Wang Fei and other leaders one by one, exchanged a few words of greeting, and then sat down separately.

Guo Huiqi was also in the conference room, nodded and smiled at Zhang Yida, and said hello.

"Leaders, we came here today to discuss the shareholding of Jincheng Consumer Gold.

Ruixiang came with sincerity, and I hope that we can discuss a satisfactory result for all parties. ”

Lan Lan was the first to speak, and the momentum of the strong woman was very sufficient.

Compared with the negotiation with the Chengdu city government, the pressure of dealing with the Rongcheng Bank is much less.

Although the leaders present are all at the department level and department level, Rui Xiang, who is a super unicorn, really doesn't have to be afraid of the other party.

Before coming, Zhang Yida deliberately explained that he must be stronger, and the major shareholder or enterprise management rights must be the same.

If you can't get any of them, you will give up on the investment.

"Of course, our bank also welcomes Ruixiang's shareholding. ”

Li Jie, chairman of Rongcheng Bank, smiled, and asked the secretary to take the financial report and various data of Jincheng Consumer Gold, one to Lan Lan, and the other to Zhang Yida.

Lan Lan briefly flipped through the report and said: "Jincheng's consumer finance business is still very stable, but the business model is too heavy on offline. ”

Wang Fei, chairman of Jincheng Consumer Finance, said with a smile: "We are a consumer finance company in the banking system, and the bank gene is relatively heavy, so we always put risk management first."

Although the pace of development is relatively slow, it is very steady.

Many Internet financial platforms on the market lend billions or tens of billions of dollars a year, but how many bad debts are there?

Mr. Lan, you said that's the truth, right?"

Lan Lan pursed her lips and smiled, "Dong Wang, what you said is very reasonable. Ruixiang also attaches great importance to risk management, and last year we lent more than 20 billion yuan, but the bad debt rate has always been controlled within 1%. ”

As soon as Lan Lan said this, Li Jie was quite surprised, the bad debt rate of Rongcheng Bank is more than a little bit higher, which is lower than the bad debt rate of the bank.

Lan Lan was afraid that they would not believe it, and explained: "This is the difference between traditional finance and new finance.

Traditional finance is more focused on manual review, and new finance is more focused on big data analysis.

Nowadays, people's clothing, food, housing and transportation can be solved by the network, which generates a large amount of network data.

Through this data, we make a risk control model to evaluate a person's creditworthiness and whether the loan is approved, and Ruixiang can complete the ...... in a few seconds."

Lan Lan introduced all kinds of housekeeping skills of Ruixiang, since he wants to buy shares, he has to let the other party see Ruixiang's strength.

They must be fully aware of the benefits and technological changes that Ruixiang can bring to them by taking shares.

"It's so exciting!"

After Lan Lan finished speaking, Li Jie took the lead in applauding, and then the applause in the conference room rang out.

Li Jie boasted again: "I have long heard of Ruixiang's financial technology strength, and I must go to Ruixiang to study and inspect when I have the opportunity." ”

"Leaders are always welcome!" Lan Lan replied with a smile.

"Although Internet finance companies have high technology content, it is indeed a hard flaw that they do not have a license. ”

Wang Fei, chairman of Jincheng Consumer Gold, began to show off his license advantages.

Lan Lan nodded, "In China, it is true that the role of a license cannot be ignored in the financial industry.

The five licenses of the bank-securities base guarantee, except for the trust, the other licenses have been collected.

If there is another consumer finance license, it will definitely be a tiger with wings for Ruixiang. ”

Lanlan also has a subtext, although Ruixiang is a newly born Internet financial company, it is really not very short of financial licenses.

Wang Fei smiled awkwardly, Ruixiang is really not so easy to handle this kind of super unicorn.

They also investigated each other, even if it is a newly approved Xingwang Bank, it really has 4 financial licenses, although it is not a wholly-owned holding, but it is the first or second largest shareholder with great weight.

When communicating with Mayor Luo two days ago, he mentioned scientific and technological innovation many times, and encouraged Ruixiang to open up the second headquarters of Rongcheng to drive the development of hometown enterprises. ”

Zhang Yida spoke, and directly pulled up the tiger skin of Luo Zhifu.

Wang Fei, Li Jie and others naturally knew about the Rongcheng Municipal Government's big move to attract investment, after all, the movement was so big, it was impossible not to know at all.

They all know that Zhang Yida is now a celebrity in the yamen of the city government, although they are a little unhappy with the other party's pulling the tiger skin banner, but they still have to do the superficial work, and they all nodded in support.

Zhang Yida continued: "Now the first echelon of licensed consumer finance is Home Credit, Bank of China and other institutions.

Needless to say, Home Credit is a veteran foreign-funded institution that has been engaged in consumer finance for nearly 20 years.

Bank of China is backed by Bank of China, and has outstanding advantages in terms of capital cost, talent, and capital. ”

Wang Fei and Li Jie are savoring Zhang Yida's words, which are analyzing the shareholder advantages of various consumer finance companies.

"Jincheng Consumer Gold also has its own advantages, that is, it is backed by Rongcheng Bank.

With the backing of Rongcheng Bank, Jincheng Consumer Finance is unfavorable to make a two-way loan for housing in the Sichuan and Shu areas.

However, this advantage is almost useless when it goes out of the province.

In addition, joint-stock banks in other places have also vigorously developed branches and outlets in the Sichuan-Shu region.

The advantages that Rongcheng Bank has brought to Jincheng Consumer Gold are weakening. Banks like to make mortgage loans, whether they are one or two mortgages.

However, relying on stronger strength and lower capital costs, joint-stock banks can make product interest lower.

If Jincheng has been spent on the second offset of the house, it is not that I am exaggerating, but the future is really worrying. ”

Wang Fei's face is a little unsightly, he is the chairman of Jincheng Consumer Gold, according to the meaning expressed by Zhang Yida, hasn't it become a joke for the various efforts and achievements he has made for the company over the years?

Wang Feipi said with a smile: "Then Mr. Zhang, according to what you mean, Jincheng should make great strides and expand in a big way?"

"Of course!"

Zhang Yida's back was straight, his eyes were staring straight at Wang Fei, and he continued: "In the fiercely competitive consumer finance market, it is like sailing against the current, if you don't advance, you will retreat.

If the gap between companies grows, this gap will eventually be reflected in many aspects such as talent, capital cost, asset quality, etc.

The leading institutions have the best scientific research talents, have the cheapest funds, and can make products with lower interest rates and more popular with users.

Then the market pattern is differentiated, the scale of the head institutions is getting bigger and bigger, and the small institutions are standing still. ”

There were even more ugly words, but Zhang Yida didn't say them. No matter how you say it, all of you here are leaders, and you have to give some face.

Jincheng Consumer Finance currently ranks in the middle of more than a dozen consumer financial institutions that have opened.

But considering that it is the first three consumer financial institutions to open, after six years of development, it has been surpassed by rising stars.

In addition to the fact that the father's legs of Rongcheng Bank are not thick enough, the management also has to bear a lot of responsibility, saying that the corpse meal is too much, but it definitely can't escape a "mediocre" evaluation.

Consumer financial institutions have become small loan companies that make housing for the second time, and they have lost their licenses.

This is also related to the national conditions, not seeking merit, but seeking no fault.

Consumer finance, these loans without collateral, how can there be a real mortgage on the house.

Otherwise, if you really dig out some big bad debts, you don't want to make progress in this life.

Li Jie saw that his cadre Wang Fei's face was not good-looking, and he also knew that Zhang Yida was too strong, and he had not succeeded in buying shares, so he began to accuse Sang and scold Huai.

However, Zhang Yida is a celebrity in the city government and a well-known Internet giant in the country, and he is really not the chairman of a local bank.

Otherwise, the city government said that he was not united again, and he would be punished if he didn't do it.

He hurriedly said to the mud: "Mr. Zhang, you are right. Especially the eight-character mantra of sailing against the current, if you don't advance, you will retreat.

Young entrepreneurs have to have this momentum in order for the enterprise to get started. ”

Then the voice changed, and he began to appease Wang Fei again, "But we also have practical difficulties in spending money in Jincheng!"

There are very few talents in financial technology in Rongcheng, and many talents have to be introduced from other places, and people are not willing to come.

In the past few years, Comrade Wang Fei has also been busy before and after, and it is not easy to support this scene.

As far as the consumer financial institutions initiated and established by local banks are concerned, we are also in the front. ”

Li Jie said: "Therefore, we have high expectations for Ruixiang Group's shareholding. I hope that everyone can join hands to bring Jincheng consumer finance to a higher height. ”

"Well, we all need to join hands. ”

Zhang Yida nodded in agreement, and said: "Ruixiang has more than 400 million registered users, and there is also an industrial layout overseas.

If we are responsible for the day-to-day management of Jincheng Consumer Finance, we hope to cover the whole of China.

In the future, we will even go abroad and internationalize our business. ”

Li Jie's eyes lit up, covering the whole of China is nothing, but going abroad is quite attractive to him.

Home Credit is from the Czech Republic, so why can't Chinese consumer finance companies go global?

The greater the momentum of Jincheng consumer finance, the more it shows that he is a good leader!

It's just that Ruixiang wants the largest shareholder and corporate management, which makes him a little hesitant.