After settling Cheng Xiangjun, the next thing will be much easier.

Yi'an Insurance held another board of directors and elected Zhang Yida as the company's chairman.

At the same time, Zhang Yida and other shareholders signed a private agreement to agree on performance commitments.

Three years later, under the operation of Ruixiang, the net assets of Yi'an Insurance reached 5 billion yuan, and in addition to Yin Zijie, other small shareholders need to transfer a total of 35% of the shares to Ruixiang.

Yin Zijie and Ruixiang each hold 15% of the shares, and the other 70% of the shares are scattered in the hands of seven or eight small shareholders.

It is equivalent to that they will each transfer half of their shares to Ruixiang after three years.

In the case of the transfer price, it is also calculated based on the value of the company after three years.

Several minority shareholders were so happy that selling half of their shares after three years would at least recover their principal and return 1.5 times in cash. At the same time, the remaining shares are worth at least 2.5 times the principal amount invested.

At the same time, they are still praying in their hearts, hoping that Ruixiang will operate Yi'an Insurance to 8 billion and 10 billion net assets in three years, so that they can earn more.

As the initiating shareholder of Yi'an Insurance, Yin Zijie has put a lot of thought into applying for this insurance license and used a lot of favors.

So everyone sells him a face, and after three years, he doesn't have to sell his shares, and he can still keep 15% of his shares.

After all the signing ceremonies were completed, Cheng Xiangjun walked over, shook hands with Zhang Yida warmly, and said: "Mr. Zhang, happy cooperation! ”

"Yes!" Zhang Yida said again: "The matter of the risk control system is also entrusted to you." ”

"Don't worry, it's on my Lao Cheng. Cheng Xiangjun's mouth couldn't stop laughing.

The cheapest version of Ruixiang's risk control system is 1.88 million, and they are wholesaled to Yinzijie at a 3% discount, and they sell a set, and they have at least more than 1.3 million income.

With years of banking relationships, Cheng Xiangjun is very confident that he can sell one or two hundred sets.

And the four major banks are all using it, and your small banks don't keep up with the times?

Cheng Xiangjun can't wait to go back to the company now, and let the sales managers below hurry up to act, eat, give gifts, drink, what to do.

After the insurance license is in hand, Zhang Yida has collected 4 of the five major licenses of the bank-securities base and the guarantee.

Hanzhou Securities, Hantai Fund, and Ruixiang are only the second largest shareholders, and the largest shareholder is Han Group. But Zhang Yida believes that in two years, sooner or later, it will be in his pocket.

On the Internet bank, there has been no news of approval.

But Zhang Yida also communicated with Liu Yonghao, and the other party told him that the problem was not big, and there would be definite news by the middle of next year at the latest.

In the past, Shixing Internet Bank was also successfully established, Zhang Yida knew that Liu Yonghao was very capable, and the relationship between government and business was deep, and the application for Internet banking was likely to be approved.

At present, the only thing that Ruixiang has not touched is the trust license, and there are only 68 in the country, which is rarer than the number of banking, securities, and fund licenses.

Although the amount is small, the total assets under management are 20 trillion.

This AUM, among all licensed institutions, is second only to banks and higher than securities and insurance.

In addition, trust companies can carry out financing, loans, securities investment, bond underwriting, equity investment and other almost all financial business.

Every time there is a message that a trust license is to be transferred, it will trigger a crazy rush in the market.

In their previous lives, Penguin and Ahri collected almost all of the financial licenses, but they did not have a trust license, which shows how difficult it is to obtain.

You can meet but you can't ask for it. Zhang Yida can only wait for the opportunity to come.

At the same time, the wallet needs to be a little more bulging, and the trust license is often the purchase price of one or two hundred billion.

……

"Hold the grass, Pig Pig Thunder?"

After Zhang Yida dealt with the matter of Yi'an Insurance, he heard this exciting news as soon as he returned to the capital.

"Yes, their beautiful president, the woman who often appears on TV, was caught at the airport. ”

Song Caiwei was also shocked by this big news. Such a large group, it will fall.

"What a beautiful president. That woman is a puppet, and I heard that she is the head of their boss's harem group. ”

Zhang Yida said with a disdainful face.

"Ah, the harem group, and the leader? These rich people really know how to play. ”

Song Caiwei's eyes glared at the boss, feeling that today was a long experience.

"Rich fart. It's all the hard-earned money of the common people. The transaction volume of their platform seems to be more than 70 billion, right? How many people have been harmed!"

Zhang Yida shook his head and sighed.

"Well, the media has already started to report on this phone. More than 900,000 investors were involved, and as of the time of the case, the unpaid amount reached more than 38 billion.

The average investor is 40,000 yuan. ”

Song Caiwei began to read according to the news.

"Look, the media has revealed the secret. To say that this Piggy Treasure platform is a Ponzi scheme through and through.

More than 800 million yuan was spent on buying fake information. These fake materials were packaged as fake loan targets and posted on the Internet to raise funds.

In order to destroy the evidence, the suspect packed more than 1,200 volumes of evidence materials into more than 80 woven bags and buried them 6 meters underground.

The task force dispatched two excavators and took more than 20 hours to excavate. ”

Song Caiwei handed the mobile phone to Zhang Yida and narrated on the side.

Song Caiwei flipped through the phone again, found another piece of news, and after reading it, she said:

"Mr. Zhang, how do you know about the harem group? This news said that someone confessed, saying that the boss of Zhu Zhubao had an affair with several female executives.

And live a luxurious life, giving several female executives property, including cash, real estate, vehicles, and luxury goods, worth more than a billion yuan.

130 million Singapore villas, 12 million pink diamond ......"

"I have my brocade guard! The scale of Pig Pig Treasure is larger than that of Yimin Net Gold, and of course I have collected some of their information!"

Zhang Yida pulled a pretense and quickly rounded the conversation.

Song Caiwei let out an "oh", guessing that Mr. Zhang's Jinyiwei should be the business intelligence department.

That group of people is indeed powerful, and all kinds of business information can be gathered.

"Hey, it's too corrupt, 10 billion yuan in a month's salary. Will the money be returned?"

Song Caiwei sat there, continued to read the news about Zhu Zhubao, and asked Zhang Yida for advice from time to time.

"It must be returned! These are all illegal gains, and they must be returned to the people. ”

Zhang Yida replied.

"Didi", Zhang Yida's mobile phone rang suddenly.

"Okay, I'll come right over!"

Zhang Yida picked up the phone, and after a few seconds, his face changed instantly, and he hurriedly replied on the phone, hung up the phone and prepared to go out.

"Mr. Zhang, what's wrong?" Song Caiwei saw that Zhang Yida's face was not very good-looking, and said with concern.

"Yimin Wangjin has some trouble, I want to go over. Zhang Yida replied.

"Then I'll go with me!" Song Caiwei looked at Zhang Yida with a look of hope.

"Okay!

……

Zhang Yi arrived at Yimin Net Finance Company, and Fan Hongyang said with a solemn expression:

"Affected by the Pig Pig Treasure incident, our Yimin Net Gold fell 19.8% pre-market, and the stock price fell directly from $27.8 to $22.57.

The issue price of $25 has fallen below, and the market value has directly evaporated by $1.2 billion!"

"Don't worry too much about the stock price, it's just that the market is affected by the panic and will soon return to normal stock price levels. ”

Zhang Yida knows that domestic P2P companies have not been able to obtain financial licenses, which is indeed like a bomb that may explode at any time in China where financial business needs to be licensed.

The outbreak of the Zhuzhubao incident may have a significant impact on the country's perception of P2P and regulatory attitude.

Wall Street, on the other hand, has always had a keen sense of smell. The degree of administrative intervention of the Chinese government in each industry is often included in their important criteria for judging the future trend of Chinese concept stocks.

With so many considerations, it is normal for the stock price of Yimin Netgold to fall.

"How's the Yimin bank project in Indonesia going? ”

Yimin bank is a P2P company jointly established by Yimin Netfinance and Indonesian e-commerce platform Bukalapak, focusing on e-commerce shopping installments on the asset side.

Yimin holds 85% of the shares, and Bukalapak holds 15% of the shares.

According to Indonesia's policy requirements, foreign investors must bring their country's enterprises to play when setting up Internet finance companies in the country, and foreign capital occupies up to 85% of the shares.

So the shares are arranged like this. Fan Hongyang has always been in charge of the affairs of this joint venture, and Zhang Yida didn't ask much.

Now that the domestic P2P business has been impacted by the Zhuzhubao incident, Zhang Yida wants Yimin bank to show its presence and boost market confidence.

"Can this work?" Fan Hongyang looked puzzled, he felt that this trick should not be too effective! But since Zhang Yida had ordered, he would do it.

What kind of news should I put out?

He thought for a moment and said, "Some time ago, Yimin bank had more than 1 million registered users, and the loan exceeded 60 billion rupees. How about putting this operational data out there?"

"600 billion, so much?" exclaimed Song Caiwei, who was standing next to Zhang Yida.

"That's rupees, it's worthless. and the RMB exchange rate remained at 2000 to 1 for a long time. 60 billion rupees is converted into 30 million yuan. ”

Fan Hongyang didn't know how many times he had explained the exchange rate of this rupee to the people around him.

When everyone hears the figure of 60 billion, they often ignore the monetary unit, and everyone thinks that Yimin Netgold is open in Indonesia.

"Oh, I heard the currency unit wrong. I thought it was RMB. ”

Song Caiwei was a little embarrassed, she swore that she had definitely misheard the currency unit just now.

"Hey, read more books, your assistant is a little bit of a pusher to lower my character!"

Zhang Yida looked at Song Caiwei, whose face was flushed, and made a joke.

"What is the average loan amount of 30 million yuan?" Zhang Yida turned around and asked Fan Hongyang.

"The average amount is about 300 yuan, and a total of about 100,000 loans have been made. Fan Hongyang replied.

"Well, has anyone borrowed 300 yuan?" Song Caiwei interjected.

Fan Hongyang looked at this girl who "why not eat minced meat" and explained with a smile: "The average local salary in Indonesia is only 1,100 yuan.

The income of low-income groups is even only six or seven hundred yuan, and their population base and proportion of the population are also quite large.

300 yuan is almost equivalent to half a month's salary!

Therefore, once our products are launched, they are widely welcomed and sought after by local users.

If it weren't for the observation of the overdue rate and the analysis of the risk control model, we would have deliberately slowed down the growth rate, and the business volume might have increased several times more. ”

"Is it all blind?" Zhang Yida asked.

"Yes, due to the lack of basic credit data in the local area, risk control has basically become a decoration, and there is very little data with reference value.

But fortunately, we do shopping installments, and the users are all Bukalapak users.

E-commerce users are generally relatively young, and their labor solvency is relatively strong.

In addition, we select Bukalapak's active trading users and high-end users for credit. ”

Fan Hongyang explained the situation to Zhang Yida one by one, and the latter nodded again and again and said, "You have to be careful." I'm here to make money, not to do charity for Indonesian monkeys. Don't be borrowed. ”

"Mr. Zhang, don't worry. I don't fight battles that I don't know if I don't know. ”

"Okay, you can publish the general operating data of Yimin Bank! Whether the stock price rises or not, leave it to the market!"

Zhang Yida said again: "By the way, you said that there may be a run, what is the situation?"