Capital.

Inside a horse farm.

Zhang Yida was dressed in a tight-fitting and delicate Ming Hanfu, riding on a horse that glowed white and gold in the sun, holding a pair of bows and arrows in his hand, and aiming at a grass target standing fifty meters away.

With a "whoosh", the arrow flew out.

A little embarrassed, missed the target.

The coach who was standing beside Zhang Yida and watching, smiled, "Mr. Zhang, you have made great progress, the strength of the arrow is sufficient, but the accuracy needs to be improved again."

That's already good, a lot of bosses can't even pull the 40-pound bow!"

Zhang Yida nodded, shook his right arm, and opened several bows in a row, and his arm was a little sore.

Zhang Yida felt that the ancient fierce generals were too awesome, and their strength and physical strength were far stronger than those of modern people.

I wonder if modern athletes can PK with ancient fierce generals?

The coach was very curious about the golden horse with a thin head and a high neck, slender limbs, thin skin and light steps under Zhang Yida's crotch, and asked after a careful look:

"Mr. Zhang, is this Akhal-Tekinma?"

"Yes!"

Zhang Yida felt that this coach was quite knowledgeable, and he said the academic name of this horse at a glance.

"My boy!"

After getting the exact answer, the coach also exclaimed.

This is the ancient "sweat and blood BMW", also known as "Tianma" and "Dawan BMW"!

Emperor Wu of the Han Dynasty did not hesitate to wage war for it and expedition to the Western Regions!

"Mr. Zhang, where did you buy this horse?" the coach asked curiously, it's not ancient times, it's impossible to fight to grab a horse! He guessed that Zhang Yida spent a lot of money to buy it.

"Turkmenistan, there are more such horses in this country!"

"Many?"

The coach smiled, "It's relatively speaking, it's said that there are only more than 3,000 such horses in the world!"

"Well, the number is still relatively scarce, and it can be regarded as a protected animal. The people of Turkmenistan loved it and had its image printed on the coat of arms and currency. ”

After speaking, Zhang Yida turned over and dismounted, saw the coach's love for "Xiaojin", pointed to Xiaojin, and said, "Come, ride, feel it!"

The coach waved his hand again and again, "This can't be helped, I don't dare to ride tens of millions of horses!"

"It's all right! It's no different from a normal horse!"

Seeing Zhang Yida's sincere invitation, the coach was no longer hypocritical, and after thanking Zhang Yida, he quickly turned over and got on the horse, clamped his legs, and urged Xiaojin to run out.

Zhang Yida looked at the coach who was galloping with envy, he didn't have such good equestrian skills, and he didn't dare to let Xiaojin run too fast.

"Mr. Zhang, wipe your sweat!"

Song Caiwei, who was standing not far away, walked over and handed over a white towel.

"Thank you!"

Zhang Yida took the towel and wiped the sweat from his forehead.

"Knock knock knock!"

The mobile phone rang suddenly, Song Caiwei took out the mobile phone and looked at it, and said, "Mr. Zhang, it's the phone number of Chairman Li Jie of Rongcheng Bank!"

"What's the matter with him?"

Zhang Yida muttered, took the phone and greeted with a smile: "Dong Li, good morning!"

"Hello Zhang Dong!"

The two exchanged a few words, and Li Jie said: "Dong Zhang, it stands to reason that I shouldn't have made this call."

But there's too much pressure within our group, so I'm going to bother you a few words!"

Zhang Yida guessed that it was Jincheng's money, and said with a smile: "You are a senior, you can say something about it!"

"That's the case, isn't it too anxious for Jincheng to cut off the house and return to the business?"

Li Jie said in as gentle a tone as possible, he was a little worried that Zhang Yida was young and vigorous, and he scolded him directly on the phone, and the scene was a little embarrassing.

"Oh, what a thing!"

Zhang Yida said with a smile: "In addition to consumer finance companies, banks and trust companies are doing the second-arrival business.

Compared with the interest of the product, we can't compare with others, and we can only be secondary customers that others don't want.

The most important thing is that offline needs to develop business city by city, which is too slow. ”

"I know all this," Li Jie said with a smile, "I know that Mr. Zhang, your family has a big business, and I don't look down on such a small business."

But tens of millions of annual profits are a lot for Rongcheng Bank, and we also have to stabilize the stock price, which has its own difficulties.

My suggestion is that we should carry out the business of the second mortgage of the loan and the offline house at the same time.

When the loan is done, let's gradually give up the second-mortgage business.

In this case, several heads are also taken into account. ”

Zhang Yida smiled: "Yes, it can be like this, but it will inevitably slow down the development of online business."

I have a proposal!"

"Please!"

"Before the loan is done, let Jincheng Consumer Finance become the capital end of Yimin Internet Finance and Yimin Loan. ”

Zhang Yida paused and continued: "When the amount of money is up, you can transfer the funds back." ”

"Yimin Net Finance and Yimin Loan are still short of funds?"

Li Jie was very surprised, last time Zhang Yida asked the two companies to talk about cooperation with Rongcheng Bank, and the financing bank granted 1 billion yuan and 500 million yuan of credit to the two companies respectively.

If the loan term is short, say three months, the money will roll over in cycles, and you can release a loan of 6 billion.

"Yes," Zhang Yida smiled, "The two companies have a relatively large amount of loans, and the average annual loans are tens of billions, so there is a great demand for funds." ”

"This method is also feasible," Li Jie asked again, "so how to calculate the cost of capital?"

"How about 8 points? All the bad debts are covered by Yimin Netfinance and Yimin Loan. ”

Li Jie was a little moved, but still showed a very hesitant look, "8 points is a bit less, Mr. Zhang, the capital cost of P2P is more than ten or twenty points." ”

"That's other P2P, our P2P has brand effect and various halo bonuses, and the capital cost has been compressed to less than 10 points. ”

Li Jie is no stranger to the very popular P2P on the market, so he doesn't believe Zhang Yida's nonsense!

"Mr. Zhang, 8 points is indeed too low, and there are not many good funding channels like Jincheng Consumer Gold on the market.

You give 9 points, in addition to providing lending funds for the Tips, the rest of the funds are all approved to Yimin Network Finance and Yimin Loan. ”

Zhang Yida calculated for him, "Jincheng Consumer Gold can have up to 10 times leverage, and Rongcheng Bank can provide 10 billion funds to Jincheng Consumer Gold."

6 points are wholesaled to Jincheng Consumer Gold, and Jincheng Consumer Gold is wholesaled to Yimin Net Gold and Yimin Loan.

You don't have to take any risks, and you can make a net profit of 200 million a year. ”

Li Jie was also thinking after listening to it, this is a good idea, it is a bit exaggerated to directly approve 10 billion yuan for Yimin Netfinance and Yimin Loan, after all, these two companies do not have formal financial licenses.

Jincheng Consumer Finance is different, a licensed consumer finance company.

Jincheng Consumer Finance can also earn some channel fees through this account, and throw all the responsibility for the bottom line to Yimin Network Finance and Yimin Loan.

Li Jie has also been under pressure in the past few years, and the banking industry in Sichuan and Shu Province has had a wave of bad debts in 14-15 years, which has triggered a chain reaction, and the revenue growth rate and profit growth rate of Rongcheng Bank have been greatly impacted and are in a trough state.

73% of the loans in Rongcheng Bank are for corporate business, and the proportion of personal loans is only 27%.

Li Jie was wondering if he could take this opportunity to start the retail loan business of Rongcheng Bank.

The average deposit cost of Rongcheng Bank is 1.5%, and it is wholesaled to Jincheng Consumer Gold at an interest rate of 6%, which is also a net profit of 4.5 points.

"The loan of 10 billion is too scary, and our total deposit is only more than 300 billion, which still includes demand and short-term deposits.

Even if I agree, the board won't agree. ”

Zhang Yida laughed, 10 billion is indeed an astronomical amount for a local bank.

"It doesn't necessarily mean that you have to make 10 times the leverage, and three or five billion is okay.

In addition, Chairman Li, you have a wide range of friends, and you can also pull in Rongcheng agricultural businesses and banks in other prefecture-level cities.

A family can make up a lot of hundreds of millions.

The more you make up, the more Jincheng will earn, and these profits will also be fed back to Rongcheng Bank. ”

This is the benefit of licensed consumer finance, in addition to accepting deposits from shareholders' domestic subsidiaries and domestic shareholders, it can also borrow from banks, insurance, trusts and other financial institutions, and can also issue financial bonds.

"Okay, this matter is too big, we Rongcheng Bank need to hold a board meeting to discuss it. ”

Li Jie is really tempted, Rongcheng Bank's profit growth has been weak in the past two years, and it really needs a project with a little profiteering.

Zhang Yida has strong assets, and in his opinion, he is a very good partner to work with.

hung up the phone, Zhang Yida was also wondering if this Li Dong could raise enough funds for 10 billion?

P2P funds are too expensive, and it has always been a shackle for Yimin Netfinance and Yimin Loan to pursue high-quality customers and higher profits.

In the previous life, there was an Internet financial model called "loan assistance", and Zhang Yida is now doing this job.

Including micro loans, Huabei, they are also on this road, banks provide funds, and the loan platform, that is, the online loan platform, provides customer acquisition and risk control, and everyone shares the money together.

In addition to its own funds, Ruixiang's lending funds have been cooperating with the four major banks, and it has also issued a phase of ABS bonds.

Yimin Netfinance and Yimin Loan are a little bit different, so they can only cooperate with local banks, the disadvantage is that the interest rate is high, but it is also much lower than the cost of P2P funds.

"Ril~"

The coach rode Xiao Jin around the racecourse for a few laps, and then came back, the horse's hooves had just been raised, and then stopped more than ten meters away from Zhang Yida.

It can be seen that the coach is a very careful one, and he is afraid of any safety accidents that will occur if he is too close to each other.

The coach led the horse over, and said with a smile as he walked: "It is worthy of tens of millions of famous horses, and it is fast to run." Today, I have experienced the blessing of Mr. Zhang!"

"You're welcome!"

Zhang Yida liked Xiaojin very much, so he greeted him and kept stroking the horse's neck.

Compared to the Bugatti Veyron, he feels that Xiao Jin is still riding more B-class.

Before leaving, he also took a few handsome photos on a horse, and posted them on Moments, Weibo, and Doushi.