"Miss Huiqi, it's not me who makes it difficult for Hong Leong Group, controlling Jincheng Consumer Gold is something we planned a long time ago.

Now it is not popular in the mainland to learn from Lei Feng to do good deeds, and the popular word is the first. ”

In a conference room of the Jinjiang Hotel, Zhang Yida gave a big talk to Guo Huiqi, the successor of Hong Leong Group.

"Something that was planned a long time ago?"

Guo Huiqi captured important information and asked: "Did you have such a motive when you invested in Jincheng Consumer Gold at that time?"

Zhang Yida nodded, "There's nothing to be embarrassed to admit, Rui has always been a major shareholder, and the benefits created for your small shareholders are far greater than the large shares you held before."

The veteran consumer finance company established in 2010 can't lend P2P, and it is also a good hand of cards.

Three years ago, the annual profit was only more than 70 million yuan, and now we have increased this figure by more than ten times.

Whether it's taking dividends such as shares, or selling them one day, it's better than the original languishing appearance.

What era is it? It's too backward to keep it offline. ”

Guo Huiqi looked at Zhang Yida, who was talking eloquently, and said with a smile, "Mr. Zhang, don't get me wrong, we can all see the substantial changes that Ruixiang has brought to Jincheng Consumer Gold."

Hong Leong didn't mean anything else, but it was a little heartbreaking to see such a good asset, but he had to give up his shares in a big way. ”

Zhang Yida asked curiously, "How much does Rongcheng Bank want you to transfer?"

"We transfer 9 points, Rongcheng Bank transfers 7 points, and then we make up 16 points for you. ”

Zhang Yida said with a smile, "In this way, you still have 20 points, which is a lot, and it is good to be a financial investment shareholder." ”

Guo Huiqi smiled and waved her hand, "Don't talk about this." ”

"I heard that Ruixiang is going to go public, the world's largest IPO ever?"

Zhang Yida asked with a smile, "Even Malaysia knows?"

"Don't you know, Chinese newspapers have praised you as the "light of Asia".

Fighting Penguin, Ahri, and Facebook, and the largest shareholder of Grab, the largest Internet group in Southeast Asia......"

Zhang Yida smiled, it seems that his influence has finally broken the circle.

......

The next day, in the building where Jincheng Consumer Finance Company is located, the three parties signed an equity transfer letter.

According to the valuation of 15 billion yuan, Ruixiang paid 2.4 billion yuan to take over the total transfer of 16 shares of Rongcheng Bank and Hong Leong Group, increasing the shareholding ratio to 51.

Rongcheng Bank's shareholding was reduced to 29 and Hong Leong Group's shareholding was reduced to 20.

"The next round of capital increase is needed, the registered capital of Home Credit is 7 billion, and the immediate consumption is 4 billion, and our 2.5 billion is a bit out of date. ”

Taking advantage of the fact that the shareholders are all here today, after signing the equity transfer agreement, Zhang Yida put forward a new idea.

"In the past three years, there have been three rounds of capital increase, and it will be increased?"

The equity transfer money has not yet arrived, and it will be spent again, so Zhang Peng has this question.

"10 times leverage, according to the registered capital of 2.5 billion, can only support the balance of 25 billion to be collected.

At the current pace of development, the limit will soon be breached. ”

Zhang Yida said with a smile, "Don't increase the capital yet, waiting to receive a fine from the regulator?"

After becoming a regular army, this is not good, and the supervision is very strict.

In the past, when you were engaged in P2P, with 10 million registered capital, no one cared about you if you put hundreds of billions of loans.

"How much does that increase?" Zhang Peng asked.

"Double, 5 billion!"

Zhang Yida reported the calculated figure, "We invested 127.5 billion, and the two of you invested a total of 122.5 billion."

If it's difficult, it's okay for us to do it all as a family. ”

"No difficulty, no difficulty. ”

Zhang Peng waved his hand again and again, he didn't want the shares to be diluted again.

He has calculated that the transfer of shares can obtain a proportional capital increase of 72.5 billion, and there is still a little left.

"Hong Leong Group has no problem, we follow. ”

Guo Huiqi doesn't see this capital increase, she is very optimistic about the development of Jincheng Consumer Gold.

If she could, she actually wanted to take over the shares of Rongcheng Bank, but Zhang Peng was unwilling.

Now as long as you are a normal person, you know that you can't lose money doing business with Zhang Yida, there are too many examples, and there are countless examples.

......

The shareholders of Yi'an Insurance also received a message from Ruixiang and asked for a board meeting.

"I'll just get to the point!"

After all the shareholders arrived, Zhang Yida said, "Ruixiang had an agreement with the shareholders three years ago, and one of the most important is that the net assets will reach 5 billion yuan.

At present, this task has been overfulfilled, and it is time for everyone to fulfill their commitment and transfer part of the shares to Ruixiang. ”

Cheng Xiangjun, chairman of Yinzhijie, said with a smile, "Mr. Zhang, according to the agreement at that time, shareholders other than Yinzhijie transferred 36 shares to Ruixiang, so that Ruixiang's shareholding ratio reached 51.

But things have changed, and last year the China Banking and Insurance Regulatory Commission (CBIRC) issued the revised Measures for the Administration of Equity of Insurance Companies.

Reducing the upper limit of the shareholding ratio of a single shareholder of insurance companies from 51 to one-third to strengthen equity supervision, make up for regulatory shortcomings, and effectively prevent risks.

At the same time, the new insurance regulations also require the implementation of penetrating supervision of insurance companies.

Strengthen the penetrating review of investors' backgrounds, qualifications, and related relationships, and include persons acting in concert in the management of related parties.

It is clarified that the source of funds can be traced upwards, and the change of the actual controller of the shareholders of insurance companies is included in the filing management, focusing on solving problems such as hidden related relationships, hidden shareholders, and illegal nominee holdings. ”

Zhang Yida nodded, he knew that in the past, the major shareholders of insurance companies were too strong, lacking checks and balances, and used insurance companies as ATMs to call for wind and rain in the stock market.

The most typical is Boss Yao, who used his Qianhai Life Insurance funds to acquire Vanke.

In the end, he fell short, and was "heavily fined" 800,000 yuan, removed from the chairmanship, and banned from the insurance industry for 10 years.

Now the regulators are very strict about the issues of nominee holdings and related shareholders, and he does not dare to touch the minefield.

"Therefore, Ruixiang decided to adjust and reduce the acquisition of 36 shares to our only shareholding and no longer seek the 51 holding line. ”

After Zhang Yida finished speaking, the other shareholders all nodded and smiled, indicating that they agreed with the plan.

Backed by this big tree, Yi'an Insurance has developed rapidly in the past three years.

At the same time, many new types of insurance sold by this software, such as air delay insurance when buying air tickets, accident insurance purchased with travel, etc., are provided by Yi'an Insurance.

There is also the freight insurance on the top, which is basically contracted by Yi'an Insurance.

Without Ruixiang, Yi'an Insurance simply cannot compete with Zhongan Online, which has the blessing of "three horses", Cathay Pacific Property Insurance, Xinmei Mutual Insurance and other companies under Leech Financial.

With a license alone, without the blessing of traffic and scenarios by giants, don't think about doing this insurance business.

Yi'an Insurance is an Internet property insurance license, which can sell multiple insurance products such as medical, critical illness, accident, group and property, but cannot sell life insurance.

At present, there is no Internet life insurance license on the market, and all traditional insurance companies are selling life insurance.

Coupled with Ruixiang's own insurance agency and insurance brokerage licenses, as well as the mutual insurance license under Diandianchou, Ruixiang's insurance license matrix is basically complete.

Compared with the layout of Ahri and Penguin in the insurance industry, the main difference is in life insurance.

Penguin has a stake in Hetai Life Insurance, Hong Kong Yinghuajie Life Insurance, and Ahri's related party Yunfeng Financial acquired Hong Kong Vantone Insurance.

Zhang Yida has also been looking for a target, but has never found a suitable target.

"How much can Ruixiang give to the valuation of e-On Insurance?" asked one shareholder.

Others also cheered up, and when it came to vital interests, they all attached great importance to this matter.

"Compared with the current market value of more than 30 billion yuan of Zhongan Online, we can give Yi'an Insurance a valuation of 20 billion yuan. ”

After Zhang Yida finished speaking, some shareholders muttered in a low voice, "Zhongan Online is undervalued, and its market value was hundreds of billions of Hong Kong dollars when it was first listed." ”

Zhang Yida sneered, "We don't talk about the past, only about the present."

Yi'an Insurance can develop to this day, who is carrying the weight for everyone, I don't need to say more. ”

In addition to Jincheng Consumer Finance and Yi'an Insurance, there is also a Xingwang Bank.

All of this is subject to financial constraints and cannot be fully controlled.

Of course, Ruixiang will not really stupidly raise these companies as his own sons, and the technical service fees, traffic fees, profit sharing, etc. that should be paid must not be missing.

It's just that from a certain level, these shareholders are still behind Ruixiang, after all, many financial institutions can't find the temple gate with a pig's head.

After some discussion, in addition to Yinzhijie, other shareholders still gave Ruixiang shares in proportion to the shares, transferred them, and used 366.6 billion yuan of Ruixiang's funds.

The reason why Yinzhijie can continue to hold 15 shares and sit firmly as the second largest shareholder is mainly because the other party is engaged in finance and can bring some resources to Yi'an Insurance.

The other shareholders, such as Guanghui Yunyou and trading companies, have little to do with Yi'an Insurance business, and can only be used as small shareholders in financial investment.

......

Ruixiang has Hanzhou Securities, and the qualification of the lead underwriter for the listing guidance of the Science and Technology Innovation Board is naturally that the fertilizer does not flow into the fields of outsiders, and it underwrites to the parent group.

Huaxing Capital also has a brokerage license, Bao Guangtou also made a big contribution to the merger of Ruixiang and Zhonghe, and Zhang Yida also gave them an underwriter qualification.

Bao bald head called Zhang Yida and complained directly, "Big brother, can you stop a little bit recently, and wait for the listing before investing in shares or engaging in capital operation."

Amending the prospectus is a very annoying thing and delays the time for listing. ”

Zhang Yida didn't feel that Bao Fan offended him, and knew that the other party was a temperamental, so he replied with a smile, "Don't worry, all the mergers and acquisitions have stopped, and there will be no similar things in the future." ”

In addition to Bao Fan, Zhang Yida asked Lanlan to notify other underwriters and ask them to revise and update the prospectus.

Although the major securities firms and investment banks have some complaints, for the sake of money, after a few words of slander, they continue to work hard.

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