"Mr. Zhang, if the management of Jincheng Consumer Gold is handed over to you, there must be a time limit, right?

In addition, how much business volume is expected to reach, how can the work be carried out?

Li Jie's brain is running fast, and he can't see the benefits that Ruixiang can bring, but he has to consider how to maximize the benefits.

Handing over the position of major shareholder, even if Jincheng Consumer Finance achieves outstanding results in the future, Rongcheng Bank will only get a good financial return.

If Rongcheng Bank continues to sit firmly in the position of major shareholder, and when Jincheng Consumer Finance develops, he Li Jie can be regarded as a good leader!

If a further term of management transfer is proposed, it will be three or six years.

When the deadline expired, Ruixiang returned the management rights to Rongcheng Bank.

I have to say that Li Jie's abacus is still very good, not only to win over Ruixiang, an ally, but also to maximize the sharing of the fruits of victory in the future.

As for giving up the position of the major shareholder, Li Jie is resolutely impossible to give up.

In order to win the consumer finance license, how much relationship did they have to do up and down Rongcheng Bank?

Rui Xiang understated a few words, and wanted to take away the seat of the major shareholder, which is absolutely impossible.

Although he knew that Ruixiang became a major shareholder, he might be more concerned about Jincheng Consumer Gold, and even let Jincheng Consumer Gold develop better, but he was unwilling to give up the position of the largest shareholder.

For the little Jiujiu of these leaders, Zhang Yida knows a little bit.

In the past, the development of Jincheng Consumer Finance has been tepid, and there has been no Internet or mutual finance giants to talk to them about buying shares?

That's definitely there, not only Ruixiang, but all Internet companies that want to lend are eyeing the consumer gold license.

However, Rongcheng Bank held on to its equity and did not let go, so naturally people chose to cooperate with other consumer financial institutions.

For example, Ahri chose Baoyin, Qiandu chose Harbin Yin, Ctrip chose Shangcheng, and 360 chose Jinshang......

In the end, Jincheng Consumer Finance, which was forced by competitive pressure, issued an announcement, saying that it would introduce 2-3 powerful shareholders with Internet or financial operation backgrounds.

Then Chow Tai Fook, Ozer water purifier, and Uxin second-hand cars became shareholders......

Zhang Yida thought of these saucy operations, and he was also convinced, Jincheng Consumer Finance was not tossed to death by them, and it was also thanks to the consumer finance license that can obtain funds from banks and other institutions at low cost.

Zhang Yida knew that these bureaucrats would not easily hand over the position of the largest shareholder, so he gave another choice of management rights.

Don't let me be a major shareholder, the company will let me take the helm, and take you to make money together!

Sure enough, Li Jie, the chairman of Rongcheng Bank, chose to hand over the right to operate the company instead of giving up the largest shareholder.

Zhang Yida guessed that this was going to lie down behind Rui Xiang to make money.

In this way, without the constraints of Rongcheng Bank, the goal of Ruixiang has been achieved.

However, after listening to Li Jie's statement that he gave a management period, Zhang Yida knew that he had buried a foreshadowing, and if he developed well in the future, he would inevitably seize control of the enterprise.

"Six years, two terms later, the board of directors was reshuffled again. Zhang Yida said lightly.

The term of office of the directors of the company is three years, and the term of office of the directors of the company is three years, after which the company convenes a board meeting to re-elect new directors.

Zhang Yida thought that being able to serve as chairman for two consecutive terms was enough to control the overall situation.

Li Jie shook his head, "Six years is too long, I think it's more appropriate to hold it every three years." ”

"Three years is three years, but Ruixiang wants all the management rights, including personnel appointments and dismissals, financial management and so on.

Of course, Hong Leong Group and Rongcheng Bank can also appoint directors and financial advisors to supervise the company's finances. ”

Zhang Yida took the rights of the major shareholders of Rongcheng Bank all at once. Li Jie thought about it and nodded in agreement, Jincheng Consumer Gold has also been developing for six years, and waiting for another three years is nothing.

He asked again: "Then how will the next work be carried out? In the development plan for the next three years, Mr. Zhang has to let me take a reassuring pill." ”

"The scale of loan issuance last year was 1,539.60 million yuan, and the net profit was 74.5 million. After three years, I multiplied these two indicators 6 times. ”

Zhang Yida said very confidently, let alone 6 times, 10 times he has the confidence to do it. But don't talk too much, you have to leave yourself some way back.

Wang Fei, the chairman of Jincheng Consumer Gold, looked at his superior Li Jie with an excited face, and secretly complained in his heart.

Rongcheng Bank handed over the management of the enterprise, how to arrange for him, the chairman of the subsidiary? Zhang Yida will certainly not be able to tolerate him, and the position of chairman of Jincheng Consumer Finance will definitely have to be replaced.

This is nothing, he is also the president of Rongcheng Bank, which is his main position, and the chairman of consumer finance is only a temporary post.

The main Jincheng consumer gold has a large number of his cronies, if Rui Xiang is in power, can he tolerate this group of people?

Wang Fei kept giving Li Jie a look, but the latter directly acted as if he didn't see it.

In fact, Li Jie saw these small actions made by Wang Fei, and the reason why he ignored them was because he was very angry, and at this juncture of "sacrificing the small self and fulfilling the big self", why couldn't he be a subordinate who couldn't figure it out?

Ruixiang's shareholding, on the premise of not threatening the largest shareholder of Rongcheng Bank, is definitely a great thing.

The attitude of your superiors is so clear, you are a subordinate who wants to contradict you?

"Good!"

Li Jie agreed, he liked a cheerful person like Zhang Yida, and asked, "What if you didn't reach it?"

"One of the two indicators was not reached, and the management was returned to Rongcheng Bank, and we abdicated to make way for Xian. ”

Li Jie was very satisfied with Zhang Yida's words, which not only kept the position of the major shareholder, but also got Zhang Yida's performance commitment, which was a good plan for Rongcheng Bank.

"What if under the leadership of Ruixiang, Jincheng Consumer Finance has completed the goal of increasing the target of 6 times in 3 years?

Lan Lan's words made Li Jie a little embarrassed, and he snorted, "It's too early to talk about this! It's better to wait for Ruixiang to make some achievements, and it's not too late for us to talk about this." ”

"Yes, Chairman Li is right, let's discuss this topic later! Let's just talk about the current matter today. ”

Zhang Yida knew that he couldn't force Rongcheng Bank too much, so they broke the jar and refused to buy shares in Ruixiang.

You have to eat one bite at a time, and today you will first enter the shares and tear a hole, and then slowly figure out the rest of the matter.

Seeing that Zhang Yida had expressed his position, Lan Lan no longer asked. She began to discuss the details of the capital increase and the reorganization of the company's board of directors with the senior executives of Jincheng Consumer Finance and Rongcheng Bank.

The valuation of Jincheng Consumer Gold is calculated according to the registered capital of 320 million yuan, and the two major shareholders of Malaysia Hong Leong Group and Rongcheng Bank have no objection to this.

Because the company's net assets are more than 300 million, after deducting some bad debts and mortgaged real estate that are rotten in hand, it may be more real, and the assets will shrink a little.

Ruixiang's proposal is to directly increase the capital of Jincheng Consumer Finance to 1 billion yuan, Ruixiang will contribute 350 million yuan, occupying 35% of the shares, Rongcheng Bank will subscribe 196.8 million yuan of capital, occupying 36% of the shares, and Hong Leong Group will subscribe 133.2 million yuan of capital, occupying 29% of the shares.

The three parties together will supplement the capital of Jincheng Consumer Finance by 680 million yuan, and at the same time increase the registered capital, which can maintain a maximum loan balance of 10 billion yuan at 10 times leverage.

However, Ruixiang's shareholding in Jincheng Consumer Finance is not enough to negotiate with shareholders, but also to submit the shareholding plan to the China Banking Regulatory Commission for approval.

Therefore, the reorganization of the board of directors has to be postponed for a while, and the next step can only be carried out after the shares are approved.

In addition to the shareholding of Jincheng Consumer Gold, Zhang Yida also talked to Li Jie about the financial cooperation between Yimin Net Finance, Yimin Loan and Rongcheng Bank.

Compared with Ruixiang, which mainly relies on institutional funds to lend, the main source of funds for these two companies under Zhang Yida is still P2P lenders, and the cost of capital is very high.

As soon as he heard that Zhang Yida asked the financing guarantee company to provide a guarantee and pay the cooperation deposit, Li Jie was a little moved.

Local banks such as Rongcheng Bank can't even issue a few credit cards, and the bank's retail business is almost the same as none.

This is also the status quo of rural commercial banks and urban banks in various places, and loans are mainly issued to large local group companies and state-owned enterprises.

Small and micro loans, individual loans, and some housing mortgages, mortgages, and factory mortgages, and other unsecured credit businesses are rarely carried out.

It is bitter and tiring, and it is still difficult to complete the lending target. How can a loan of tens of millions or hundreds of millions of dollars come quickly and steadily to large group companies.

As the first Internet finance company in China to log into the capital market, Yimin Netfinance is very well-known in China, and its market value is as high as tens of billions of yuan.

Li Jie is still very interested in carrying out joint financial cooperation with this kind of company.

Although he hadn't heard much about Yimin Loan, he guessed that with Zhang Yida behind him, it wouldn't be much worse.

So Li Jie readily agreed to cooperate, and said that the two companies would be connected again.

……

After the negotiation, Li Jie talked with Wang Fei alone.

"Why are you so sad?" Li Jie asked Wang Fei.

"I just think it's too generous for us to hand over the management to Ruixiang so easily. ”

Li Jie smiled, "How can it be as simple as you think, although the city government didn't say hello specifically, but at this juncture of attracting investment, we have something awkward with Ruixiang, and the city government will inevitably be dissatisfied with us." ”

"But Ruixiang is too strong, the second largest shareholder is going to completely take over the management of Jincheng Consumer Gold, where to put our Rongcheng Bank in his eyes?"

Li Jie thought for a while and said: "If a young man is ambitious, it is inevitable that there will be some arrogance. They have come to the Fenglong Group a few times, and I can basically understand their thoughts.

If they don't get the management rights, they may give up their shares. ”

"Give up, give up!" Wang Fei added, "I think their kind of hurricane style of play is very dangerous, the foundation is not strong, and when something happens, it will be a big deal." ”

"Okay!" Li Jie waved his hand, knowing that his subordinates were dissatisfied with Ruixiang's strong shareholding, and persuaded:

"Let Ruixiang manage it for three years! If the development is good, Rongcheng Bank will also benefit, which is also a real political achievement.

If the development is not good, we will take over the management again. ”

"I'm afraid that I won't be able to take back the management rights in the future! Hong Leong Group seems to have a good relationship with Ruixiang, if they support Ruixiang, we Rongcheng Bank will become a minority. ”

Li Jie nodded, "That's the same! Let's take a step at a time!"

Li Jie still has something to say: It's hard to say that I'm still not in office after three years, so why do you care so much?

Li Jie took a deep look at Wang Fei, after he was promoted, the person who couldn't succeed him was Wang Fei, and he had a headache three years later.

I can't blame myself, who hasn't taken over the big pit left by the previous term?

Wang Fei saw that Li Jie was determined to come in, and he no longer dissuaded him, and began to think about how to arrange his cronies and subordinates.

As for whether the China Banking Regulatory Commission will approve the approval of Ruixiang's shareholding plan, neither side has doubts, after all, the shareholders of Ruixiang's four major banks are not ornaments.