After the release of UnionPay, Zhang Yida immediately convened a meeting of Ruixiang executives.

After Lin Zhenyang was promoted to his father, he has matured a lot.

He was the first to say: "This is to pick the fruits of victory, and when the market is ripe, they will come." ”

Zhang Yida smiled: "Then do you think they have a chance?"

"We can't underestimate them, their relationship with the major banks is not as big as ours. ”

Lin Zhenyang's face was heavy, and he continued: "We have tested their products, and the advantages compared to ours are mainly reflected in security, near-field payment, higher payment amount and other aspects. ”

Zhang Yida nodded and motioned for him to continue.

"Since China UnionPay entered the market in 02, it has achieved fruitful results, and the vast majority of merchants support the use of China UnionPay's POS machine credit card in buying and selling transactions.

At present, there are more than 7 million POS machines in China that support "UnionPay", and the number of merchants supporting "UnionPay" POS machines worldwide has exceeded 10 million.

As a sub-product of UnionPay, UnionPay will take the lead in the market, which will greatly reduce its resistance to entering the market. ”

"Yes," Zhang Yida nodded, "I opened up the POS machine, and directly gained millions of merchants." ”

Lin Zhenyang said: "Although they have certain basic advantages, whether these advantages can be transformed into results remains to be tested." ”

Zhang Yida smiled and asked, "What about your opinion?"

"The first is the entry time, UnionPay Commerce's current market share in mobile payment is less than 1%;

The second is the lack of scenario-based payment, and the online scenes that can be seized at present, we are almost as good as Alibei and WeChat Pay;

The third is that users are used by habits, and habits are difficult to change.

If UnionPay's products are still as dazzling as before, the future is not optimistic. ”

After listening to Lin Zhenyang's analysis, Zhang Yida also felt that the other party said it well.

Although UnionPay burned billions of dollars in its previous life and had more than 200 million users, its activity was very poor.

There are many reasons for this, but the most important one is related to ecology.

Paybei relies on Ahri e-commerce, and WeChat payment is bundled with social networking.

Mobao Pay is now also bound to several e-commerce websites such as Pindodo and Xiaohongshu, but the volume is still not comparable to Ahri.

Unless Doduo crushes Taobao one day, it is basically impossible for Mobao to catch up with Paybei.

Zhang Yida doesn't want to be so much, it's good to be able to stand with Alibei and WeChat Pay.

After making the corresponding arrangements, Zhang Yida turned his attention to the "Notice on Regulating and Rectifying the "Cash Loan" Business" jointly issued by the regulatory authorities a few days ago.

There is not much content in the notice, and the most important thing is to ask the lending platform to keep the red line of 36% annualized interest rate.

In addition, there is another article: No organization or individual may operate a lending business without obtaining the qualifications to operate a lending business in accordance with the law.

This article is not a problem for Ruixiang and several other companies under him, because they all have corresponding financial licenses.

But for some anti-aircraft artillery platforms, it will be dead.

Many people blame Lu Min for the new regulations issued by the regulatory authorities.

The lender became a listed company, and it was still worth tens of billions of dollars, and venture capitalists also showed off in various fancy ways.

High-profile like this, who are you not doing?

It's just a company, and the whole industry is affected.

Lu Min naturally has a hard time, he feels that he has also been cheated by reporters and investors, what does it matter to him.

In addition, with the notice issued by the regulatory authorities, several mutual fund companies listed on the U.S. stock market also ushered in a ** decline.

Yimin Netfinance and Yimin Loan, the two companies under Zhang Yida fell the worst, one with a market value of $6.85 billion and the other with a market value of $3.72 billion, both approaching the issue price.

Yimin Wealth, because it is a third-party wealth management company, performed slightly better, with a market value of $2.87 billion, and the stock price trend was relatively stable.

However, since the beginning of the year, Zhang Yida has been arranging for the family office to help him reduce his holdings.

Yimin Net Finance reduced its holdings the most, with a total of more than 300 million US dollars, while Yimin Loan and Yimin Wealth reduced their holdings to a lesser extent, both exceeding 100 million US dollars.

However, as the stock price plummeted, Zhang Yida's reduction of holdings stopped.

It must be raised, and the stock price will avalanche if it is reduced.

......

"Yida, Standard Chartered Bank is relieved, they are willing to sell the shares of Gem Bank. ”

When Zhang Yida received a call from Huang Hongnian, he was also taken aback, why did the British suddenly change sex?

"It's been more than a year, how did they figure it out?"

Huang Hongnian laughed, "I've done too many bad things!"

Zhang Yida obviously doesn't believe this, there must be a secret that no one knows.

"What price does Standard Chartered offer?" Zhang Yida asked, if it was too high, he would definitely not be slaughtered.

Huang Hongnian said with a smile: "A large amount of bad debts broke out in Gem Bank, and Standard Chartered Bank was in a hurry to sell its shares.

In addition to you, there are also Indonesia's Guoxin Bank and Thailand's Pangu Bank, all of which are on their list of interested buyers. ”

Zhang Yida frowned, how big is the bad debt? Is it insolvent? It shouldn't be?

"Okay, then we'll see you in Hong Kong!"

Zhang Yida didn't ask too much, he believed that Huang Hongnian would not be so unmeasured. Since you contact yourself, it must show that there is still some value in the gem bank.

As for the gem bank, he has not actually given up. If the price is reasonable, it must be won as a bridgehead.

......

After arriving in Hong Kong, Zhang Yida Hui and Huang Hongnian came to Standard Chartered Bank for the second time.

It was Standard Chartered Indonesia President Bill Winster who received them.

The cunning Englishman smiled and seemed to have no memory of the unpleasantness that had happened last year.

After he asked the secretary to serve two cups of hot tea, he looked at Zhang Yida and said slowly: "Mr. Zhang, you are the most successful entrepreneur of the young generation in China.

If you get another bank that you can inherit, becoming a banker can undoubtedly enrich your asset allocation.

Aren't you Chinese the most favorite banker? Gem Bank is a very good asset......"

The British bragged about all the good things about the gem bank, and Zhang Yida was about to yawn when he heard it.

Last time, this old boy didn't have this attitude, looking like you like to buy it or not.

Zhang Yida shrugged his shoulders and said indifferently: "Actually, we Chinese value Chinese banks the most, because they are the embodiment of national credit."

This foreign bank, if it says it fails, it will fail, and it is not a high-quality asset.

Isn't there a little trouble with the gem bank? Running a bank doesn't mean that it is necessarily stable.

Mr. Winster, do you think that's true?"

Winster smiled and didn't answer.

He looked at Huang Hongnian and guessed that Zhang Yida must have gotten the news from his mouth.

However, there is an asset due diligence process, and he can't hide many insider stories if he wants to.

The headquarters has already ordered him to get rid of this inferior asset in the shortest possible time.

And Zhang Yida is currently the most financially powerful of all potential buyers.