The dust has finally settled on Ruixiang's stake in Jincheng Consumer Finance, and the China Banking Regulatory Commission has passed the approval.

Ruixiang increased its capital in Jincheng Consumer Finance with 350 million yuan of its own funds, obtained 35% of the latter's shares, and became the second largest shareholder of the company after Rongcheng Bank, which holds 36% of the shares.

Then, Jincheng Consumer Finance held a general meeting of shareholders to elect Zhang Yida as the chairman of the company and Hong Haibo as the company's CEO......

In addition, an online business department was also established, and an elite team composed of technical and operational personnel was dispatched to join Jincheng Consumer Gold.

Their mission is to develop and operate Jincheng Money's first online consumer finance product, Tipsy Loan.

Hong Haibo is responsible for the group, and as soon as he took office, he launched a drastic reform in response to the harsh chronic disease of Jincheng consumption.

At the high-level meeting of Jincheng Consumer Finance, a group of executives trembled and looked at Hong Haibo, who was sitting in the first seat to read out the company's new regulations.

First, in order to save the company's operating costs and improve the company's operational efficiency, a three-month "performance appraisal" will be launched next!

Those who fail to meet the assessment standards will be punished by demotion, salary reduction, dismissal and other punishments depending on the quality of their work performance in the past three months.

Second, we have set up a compliance department to crack down on undesirable phenomena such as accepting bribes and kickbacks from customers.

Once verified, they will be dismissed from the judicial organs, and if the circumstances are serious, they will be transferred to the judicial organs for handling.

Third, the company will gradually reduce the volume of offline housing loans, and the company's business focus will shift to online.

Offline departments began to optimize their own department personnel structure, and successively carried out training and job transfer......

......”

Hong Haibo read out more than a dozen new rules in front of Jincheng consumer executives.

Every time he recited a new rule, the faces of the executives darkened.

What kind of new rule is this? It's a life-seeking Yama!

Some executives were not happy after hearing this, and doing this was completely overthrowing and rebuilding Jincheng Consumer Finance Company.

This not only negates their past efforts altogether, but also weakens the authority that harms them.

"Mr. Hong, isn't it a little too anxious to operate like this!"

"Yes, Mr. Hong, the housing loan is currently the pillar income of our group, and it also created a profit of nearly 70 million yuan last year.

Such a lucrative business, just cut it like this? Mr. Hong, please think twice!"

"Mr. Hong, it's not contradictory to carry out online and offline business at the same time, right?

Hong Haibo looked at the executives of Jincheng Consumer Finance who spoke out against his new regulations, and all of them spoke fiercely and spittle.

He knew that these people should be people from the Rongcheng Bank family.

Although Malaysia's Hong Leong Group occupies 49% of the shares, the control of Jincheng Consumer Gold has always been in the hands of Rongcheng Bank.

Hong Leong Group is very remarkable, and there are a few people in the finance department to supervise financial power.

The elimination of offline departments, the punishment of internal corruption, the improvement of work efficiency, and the comprehensive transformation of online are all ways for him and Mr. Zhang to discuss and bring Jincheng Consumer Gold back to life!

In the words of the great man, it is to concentrate on doing great things!

Why was Yimin Financial split? It was because its financial business was too complicated.

If it is not split, even if there are many businesses involved, there are still many reporting levels, which will inevitably lead to low work efficiency.

The reason why Internet companies pay attention to "flat management" and even reduce middle management is to make internal communication smooth.

Take Yimin Loan as an example, the main business is all kinds of installment loans, education installments, medical beauty installments and so on.

This method of small-unit operation allows Yimin Loan to always maintain a focus and efficiency.

Yimin Loan's competitor Youqian Hua is the consumer installment department under the Internet Finance Business Group of Qiandu Group.

Qiandu has an extra father and a grandfather on his money, and he has a lot of constraints, so he always takes a slow loan to benefit the people.

Hong Haibo remembered the reason for the split of Yimin Financial Services explained to him by Mr. Zhang, and learned a lot.

In Hong Haibo's view, Jincheng Consumer's offline loan operation model is indeed too old, not only inefficient, but also slow in scale growth.

So there has to be reform!

And reform, it is necessary to move the cheese of vested interest groups!

Hong Haibo raised his hands and pressed them a few times in the air, and then the executives quieted down, wanting to hear what he had to say.

"This is a negotiated plan by the shareholders!"

Hong Haibo kept a straight face and continued solemnly: "We are the executive layer, we only need to implement these plans in place!"

Mr. Zhang made a promise to all shareholders that he would increase the loan scale and net profit of Jincheng Consumer Finance by 6 times in three years.

To fulfill this commitment, we must work together as a company to enforce the prohibition.

At this critical juncture, I don't want to hear anyone drop the chain. ”

The faces of the executives are pale, what a big official authority!

However, the situation is pressing, and they dare not openly jump out and speak against the tune.

The words of complaint just now were used to test Hong Haibo. But Hong Haibo reacted so violently, they were really afraid of being used to set an example.

There are still three fires for the new official to take office, and this is the first one, and there are two more!

Standing behind them is Rongcheng Bank, but Rongcheng Bank has handed over the management of the enterprise to Ruixiang.

In the face of this situation, they can only admit it.

Ruixiang will be at the helm of Jincheng for at least three years, and the executives sighed that the good days of the past are gone forever.

......

"Uncle, I can't do this job anymore!"

As soon as Wang Peng, a salesman of Jincheng Consumer Gold, walked into the house, he began to cry to Wang Fei, the president of Rongcheng Bank, his big backer.

Wang Fei was tasting a piece of jade in the study, and saw his nephew walking in angrily, scolding as he walked.

Wang Fei frowned, "What can't you do? Do you know how difficult it is to find a job now?"

Oh, you think you're a returnee and you can get a good job?

Let me tell you, the current returnees are not worth much, especially since your university is not from Europe and the United States, and the university in a small country in New Zealand has a fart gold content!"

Wang Peng's face turned red, knowing that he had always been the uncle helping him, and he didn't dare to speak hard.

Wang Peng said with a bitter face: "I really don't blame me, what kind of "new rules" formulated by the company, people can make you angry."

First of all, you can't take a loan from a customer.

In the past, I completed a loan of 5 million yuan a month, and I could get 180,000 yuan in rebates alone.

Now it's all gone!

The most excessive thing is that now when the customer comes to sign the contract, the customer and the salesman must be required to sign a letter of commitment, requiring both parties to promise that there is no private transaction.

If it is violated, legal responsibility will be pursued.

You give a commentary, don't I drink the northwest wind? I get those thousands of dollars every month, and I don't even have enough gas money!"

Wang Peng was very excited, his face turned red, and he poured out all the pain in his heart crackling!

The whole person's chest rose and fell, panting heavily, and he was a little hypoxic when he had just said too much at once, which was a bit overloaded for his body that had been hollowed out by wine for a long time.

Wang Fei didn't speak, and his nephew's salary was suddenly reduced from 108,000 yuan to several thousand yuan, which is indeed a bit big, and it will be difficult for normal people to accept.

"Hey, isn't there a commission within the company?

Wang Feihu glanced at his nephew suspiciously, this kid was probably exaggerating.

"Yes, yes," Wang Peng secretly glanced at the uncle and whispered: "Very low, only 0.5%." ”

"That's okay! With the basic salary, you're 30,000 yuan a month, and you're about to catch up with my salary." ”

Wang Peng waved his hand, "It's not that simple, the commission should also be linked to the overdue rate of the loan issued by each salesman!"

Wang Fei, who was the president of the bank, was naturally no stranger to these cats, and asked, "What's the matter?

Wang Peng said: "It's not too bad, it's just that people do business, and sometimes it is inevitable that they can't turn over." ”

Wang Fei pointed at Wang Peng, "You, you, you still want to hide it from me." Are customers with good qualifications willing to give you a two-point rebate?"

Wang Peng smiled "hehe", which can be regarded as a tacit acquiescence. In front of the "high-powered" uncle, he didn't dare to play with his thoughts.

"Isn't Jincheng Consumer Finance going to launch that trick loan recently? Are you also a college student, so you should try it when you transfer to the operation post?"

Wang Peng shook his head again and again, "I can't do that job!" I like to drive every day, go everywhere to meet customers, drink tea, eat and eat and talk about business.

Besides, the salary of that operation post is low, there are many things, and he works overtime every day.

The most annoying thing is that there are all kinds of training and exams to be carried out!

If I had calmed down and studied in New Zealand, I would have gone to New Zealand to study?

Wang Fei laughed, "You kid! High school made you study the best Rongcheng No. 7 Middle School in the Sichuan and Shu regions, and you only scored 300 points in the college entrance examination."

Hey, I didn't have the face to meet those friends I had a relationship with at that time!"

Wang Peng smiled and said, "Who made you my uncle!"

Wang Fei looked at his nephew, who was in his twenties but was still ignorant, and lamented in his heart that he was a daughter, and he had always regarded his younger brother as his own son.

Whether it's going to school or working, they're all trying their best to help him pave the way.

As a result, he was a dou who couldn't be helped, which made Wang Fei a little disheartened.

"Do you see our bank coming, or will I find you another institution?"

You're not too young, it's time to take care of it! Uncle can't help you for a lifetime!"

......

"Chairman, Rui Xiang has made Jincheng Jinjin angry during this time, don't we care?"

Li Jie glanced at Wang Fei and asked, "How do you manage it?" It is impossible to give them the right to manage for three years, right?"

Wang Fei smashed his mouth and said: "I have heard many old colleagues say that Ruixiang wants to cut off the second business of the house!"

This business can make tens of millions of net profits a year. In case the transformation of Jincheng Consumer Finance is not successful online, we will be left with a mess in three years!

Also, many people are reflecting that Ruixiang has eliminated dissidents and fired and demoted a lot of our people!"

"Okay! I've got it all!"

Li Jie's face was as usual, his eyes were gloomy, and he couldn't guess what he was thinking.