After the news of Ruixiang's listing, a large number of beneficiary companies appeared in A-shares and Hong Kong stocks, and their stock prices rose, and they also won a new title of "Ruixiang Concept Stocks".

Ruixiang concept stocks are divided into four categories, one is the listed company that directly participates in the equity financing of Ruixiang, that is, the shareholders of Ruixiang.

Such as the four major banks, Chinese People's Insurance, Taibao, Taiping Insurance, Xinhua Insurance and so on.

The second type is the listed company that cooperates with Ruixiang Group for equity investment.

For example, Xinwang Group, Rice Group, and Black Flag Chain of Xingwang Bank were established with Ruixiang, Yinzhijie of Yi'an Insurance was established with Ruixiang, and Rongcheng Bank, which jointly held shares in Jincheng Consumer Gold with Ruixiang.

The third category is listed companies in which Ruixiang participates, such as Gome, Transsion, which is queuing up for listing on the Science and Technology Innovation Board, and so on.

The fourth category is the company that cooperates with Ruixiang, and it is also the one with the lowest gold content and the largest quantity.

Including the core advertising agency Huayang Lianzhong, BlueFocus, Provincial Broadcasting Group, Gravity Media, Global Printing, Xuanya International and so on.

Feike and Antarctic e-commerce, which sell goods in Pindodo, and Jihong shares, Caixun shares, which have business cooperation with Pindodo, and so on.

and Beijing Culture, Palmfun Technology, etc., which have cooperated with Ruixiang on digital content business.

There are also partners in the field of financial technology and enterprise services, such as Yusys Technology, Kelan Software, Sunline Technology and so on.

Basically, as long as the listing that has a little bit of business with Ruixiang comes out to brush up on the sense of existence, it is clear that it is to rub off on this wave of popularity.

This can be regarded as a person who has attained the Tao, and the chicken dog has ascended to heaven.

This made Zhang Yida speechless, and the big A shares were too uncalm.

In his opinion, the cooperation between several companies and Ruixiang is negligible, and he has actually gained a few price limits.

However, as long as he does not exaggerate the disclosure of cooperation information, he is too lazy to care about these listed companies.

Rongcheng.

Although the company is about to go public, normal business still has to be carried out in an orderly manner.

Zhang Yida and Hong Haibo, president of the financial technology business group, came to Rongcheng to prepare to solve the equity problem of Jincheng Consumer Finance Company.

Glancing at the executives of Rongcheng Bank sitting on the opposite side of the conference room, Hong Haibo said lightly, "The three-year period has also passed, is it time to fulfill the agreement between Rongcheng Bank and us?"

"What a convention"

Zhang Peng, the new chairman of Jincheng Consumer Gold, was confused, he only succeeded Wang Fei last year and became the new chairman of Jincheng Consumer Gold.

The original chairman Wang Fei was promoted from the position of chairman of Jincheng Consumer Gold and president of Rongcheng Bank to chairman of Rongcheng Bank.

Li Jie, the former chairman of Rongcheng Bank, resigned last year and no longer holds any position in Rongcheng Bank.

Hong Haibo turned his head and glanced at Zhang Yida, who was there with the old god, who nodded at him.

So, Hong Haibo talked about the agreement with Li Jie, chairman of Rongcheng Bank, three years ago.

"Three years ago, the total annual loan of Jincheng Consumer Finance was 15,396 billion, and the net profit was 74.5 million.

With the help of Ruixiangqiu's leading financial technology and traffic, Jincheng Consumer Finance has lent a total of 37 billion yuan in the first half of this year, and the daily loan has exceeded 200 million yuan in a single day.

This data is second only to Zhaolian Consumer Gold, which has a daily loan of 600 million yuan, and Immediate Consumer Gold, which has a daily loan of 37.5 billion, and is higher than Industrial Consumer Gold, which has a daily loan of 1.2 billion, and can rank third in the industry.

In the first half of this year, Jincheng Consumer Finance created a net profit of 4.2 billion yuan, which was lower than 7.1 billion yuan for Zhaolian and 44.2 billion yuan for Xingye, and higher than 30.1 billion yuan, and also ranked third in the industry.

Among the 24 licensed consumer finance companies that have officially opened, we can rank among the top three in the industry in terms of loan amount, revenue and net profit.

Three years ago, Jincheng Consumer Finance could only rank in the middle of the less than 20 companies that had opened, and it was only about 10. ”

Hong Haibo said with a smile, "Do you know why there has been such a big change?

In addition, the amount of money immediately disbursed was almost twice as much as ours, but the net profit was only 70% of ours.

The reason is very simple, Jincheng Consumer Gold has won the unreserved support of Ruixiang.

Mung Bean Credit is connected to several products of Jincheng Consumer Finance's Tips, and the top financial technologies such as Ruixiang Super Brain and AI Risk Control Engine are also shared with Jincheng Consumer Finance.

We have the lowest bad debt rate in the industry;

Traffic, Jincheng Consumer Finance's loan products are connected to Investment and Finance, Doushi, and Kuaishou, which can be said to be the best resources in the industry;

Oh, by the way, there are also employees, three years ago, Ruixiang transferred the elite to help Jincheng Consumer Finance complete the upgrade from offline to online business.

In the past, Jincheng spent money and was trapped in a corner of Sichuan and Shu, but now, it is a well-known head consumer finance company in the country.

According to the gentleman's agreement with Li Jie and Wang Fei, as long as we increase the loan amount and net profit by 6 times within three years, the management rights will continue to be granted to us. ”

Zhang Peng nodded, he knew what Hong Haibo said.

Rongcheng Bank is not a bank, but it is just a city commercial bank, and its strength in all aspects such as savings and technology cannot be compared with the four major banks and joint-stock banks.

If there was no Ruixiang joining, Jincheng Consumer Gold would definitely not be as successful as it is now, and it actually stepped on the head of several stock banks.

Zhang Peng glanced at Zhang Yida, who was smiling and silent, and said with a faint smile: "No problem, I'll just hang up the position of chairman."

Isn't this Jincheng spending money thing always being in charge of Rui Xiang and continuing to perform according to the previous agreement?"

Hong Haibo chuckled, if it was just a matter of the company's management, they would not have made such a big effort, and even Zhang Yida personally went to Rongcheng.

Ruixiang only holds 35 shares of Jincheng Consumer Gold and is the second largest shareholder, but it does no less work than the major shareholders.

And Rongcheng Bank, the major shareholder, has been sitting in the back and counting the money.

It's been three years, and it's time to readjust the shareholding structure

It's just that this adjustment must be difficult, and who wants to let go of the fat in their mouths

Sure enough, when Hong Haibo proposed to increase his shareholding to 51, Zhang Peng changed color and said, "Mr. Hong, this is a bit out of order."

Hong Haibo smiled, "Why don't you follow the rules, there are many people who can work, is there any problem?"

Looking at Hong Haibo, who was smiling and not smiling, Zhang Peng was a little angry in his heart, but he was forced to suppress it.

Because Jincheng is too dependent on Ruixiang, no matter what, we must try to avoid going to the step where the two sides turn their faces.

"Mr. Hong, you hold 35 shares, and we are only one point more than Ruixiang. ”

Zhang Peng began to pour bitter water, saying that Rongcheng Bank's performance was not good and its stock price was weak. He also talked about how hard it was for Rongcheng Bank to apply for this consumer finance license.

Anyway, he doesn't have a hard encounter with Ruixiang, and he doesn't have any verbal conflicts with Hong Haibo.

The slippery Zhang Peng made Hong Haibo frown, and the other party had been avoiding the important and refusing to answer the question head-on.

He looked at Zhang Yida, but the other party was also looking at him.

He knew that this little thing was not good to trouble Mr. Zhang.

So he simply made it clear that "if Ruixiang does not control Jincheng Consumer Gold, we will strategically abandon this company."

Yimin consumer finance is actually quite good, don't look at it is still under construction.

As long as the preparation is completed, the business and consumer finance scenarios of Yimin Netfinance, Yimin Loan, Ruixin Group, and Yimin Fortune will be loaded into the new company, and the rise will be very fast. ”