"The matter of Haizhou Trust, there will be someone to connect with you soon, you just wait for the good news!"

After solving the biggest obstacle in the reorganization, the rest of the things are no longer so tricky, Yu Jiankang unloaded the big burden in his heart, and the whole person's mental state was much easier.

Compared with the restructuring of Haizhou Bank, the restructuring of Haizhou Rural Commercial Bank is full of difficulties.

Because it involves the restructuring of several independent local corporate banks with different corporate cultures, Haizhou Rural Commercial Bank is facing the problem of personnel running-in in addition to asset appraisal and reorganization.

If there is no effective solution, problems such as conflict of ideas, cultural integration, and changes in behavior will follow......

Speaking of trust companies, since 1999, when the CBRC implemented separate management of the trust industry, until 2007, the CBRC has not approved any new trust companies.

In March 2007, the China Banking Regulatory Commission (CBRC) promulgated and implemented the Measures for the Administration of Trust Companies and the Measures for the Administration of Trust Companies' Collective Capital Trust Plans.

According to the regulations, only trust companies that meet certain conditions can apply for a change of company name and a new financial license.

Therefore, for Ding Le, Galaxy Investment can invest in the trust company, which is definitely a once-in-a-lifetime opportunity.

According to the principle of separate operation of China's financial industry, banks can only do the business of banks, insurance can only do insurance business, and securities can only do securities business.

Only a trust company is the only financial institution that can operate across the money market, capital market and industrial investment fields.

That is to say, the function of a trust license is similar to that of a full license, and its unique system design gives the trust function diversity and flexibility in its application.

Being able to take a stake in Haizhou Trust is a good thing for Ding Le, and Qiandai.com can cooperate with it to enrich the types of online products, and in the future, the bank's loan policy for real estate enterprises will be reversed, and C&D can also raise funds through the channel of trust.

In view of the current regulatory policy, whether it is in the restructuring or the new establishment, how the Haizhou government will get the trust license, naturally Ding Le does not need to worry about it, but he has to come up with a set of specific and feasible plans before the Haizhou trust people come to the door.

Thinking of this, Ding Le took his bodyguards and drove to Qiandai.com to join Fei Yang and Chang Dong.

To eat billions of asset packages in one go, this is still unprecedented for the money bag network, and the three of them need to discuss and formulate a preliminary plan.

After the Spring Festival, Qiandai.com moved from the previous entrepreneurial block to the CBD center of the new district, where many financial institutions gathered, banks, insurance companies, and securities companies.

With the continuous expansion of the business scale of Qiandai.com and the enrichment of online product types, the number of employees in the company has exceeded 500, for which Fei Yang rented 5 floors in Shishan Commercial Plaza as the company's new office building.

When Ding Le arrived there, the company was busy, and accompanied by Fei Yang and Chang Dong, Ding Le went around every department.

Like Jumei.com, Ding Le will obviously feel progress every time he comes, which is what a start-up company should look like.

"Galaxy Investment wants to invest in Haizhou Trust, but the premise is to help them solve the non-performing asset package of about 1 billion yuan!"

In the office, Ding Le explained the reason to Fei Yang and Chang Dong. The restructuring of Haizhou's banking industry, the two of them have heard about it for a long time, but what they didn't expect was to spare a big circle, but it was related to the money bag network.

"So the underlying assets are all non-performing loans, and what about the price?"

Chang Dong is more concerned about the income of trust products, as long as there is a profit difference, the money bag network will be profitable, and he is not worried about the scale.

"When the product expires, can it guarantee the payment?"

Fei Yang also raised his concerns, having suffered losses on non-performing loans when he was a relationship manager at Haizhou Bank.

In order to clear the bad loans, on the night of the thirtieth day of the Chinese New Year's Eve, he braved the bitter cold and squatted outside the borrower's house, and after several setbacks, he recovered the bad loans.

"I don't know much about the specific situation, they will have someone to negotiate when we go back, we can discuss it first, put forward our conditions, the underlying assets are non-performing loans, whether it is in income or due repayment, we need Haizhou Trust to cover the bottom!"

Seeing that Fei Yang and Chang Dong both put forward their own opinions, Ding Le also threw out his own ideas.

At the end of last year, Qiandai.com carried out a comprehensive upgrade, and after the platform website was upgraded from version 1.0 to 2.0, it launched a new series of "Wenyingan e" products, which mainly provide financing services for individuals, micro enterprises and small and medium-sized enterprises with borrowing needs.

From the beginning of the establishment of the financial platform, to the basic realization of P2P network lending, the number of registered users of the website has exceeded 2.5 million in one fell swoop, the company has begun to make a profit at the end of the first quarter, and the future development situation is very good.

"I'm afraid it's a little difficult to subscribe at one time, can we operate it in two or three times, so that our pressure will be much less!"

Chang Dong's mind turned and he came up with a compromise method, since the boss made a request, then considering it all, Qiandai.com would win the deal anyway.

"The government wants to exchange time for space, and you also know that the collection and disposal of non-performing loans takes the most time, and it will definitely not be done in three or five years, so the life of the trust product will definitely not be short, and you can rest assured that you can talk about it boldly!"

Ding Le fully authorized Fei Yang and Chang Dong, and when Haizhou Bank packaged and sold this asset, all the losses had already been accrued internally, and the final subscription of Haizhou Trust was estimated to be less than 1 billion, so there must be a discount in it.

After nearly two hours of discussion in the afternoon, the three of them initially came up with a plan, and the follow-up will be followed up by Fei Yang and Chang Dong.

"Boss, recently a venture capital company came to the door and wanted to talk to us about cooperation, but we have been hanging out, how do you see this thing operating?"

After the three of them talked about Haizhou Trust, Fei Yang wanted Ding Le to report on the company's operation and development in the recent stage.

"Venture capital?"

In the past year, Galaxy Investment has invested in several projects one after another, and it is also famous in the industry.

"It's Hongshan Capital, they want to invest 20 million US dollars, hold 20% of the shares, and at the same time sign a listing VAM agreement!"

Ding Le pondered in his heart, worthy of being a predator in the domestic venture capital industry, the shot is generous, according to their quotation, the valuation of the money bag network has reached 100 million US dollars, according to the current exchange rate, the money bag network has been established for less than a year, and the valuation has increased several times.

"The listing is certain, even if there is no agreement, we will start this year, but if we bring in venture capital institutions, we can use some of their resources, and the listing process will be much faster!"

Ding Le said while thinking that the capital market in the United States has not yet come out of the economic crisis, and now is not the best time to go public.

"Then should we continue the conversation? Please give me an idea, boss!"

Fei Yang looked at Ding Le with anticipation, from the beginning of its establishment, Qiandai.com was positioned as a listed company on the NASDAQ, but he didn't expect that this day would come so quickly.

Ding Le thought for a while and said, "Continue talking, there is a gold lord coming to the door, why don't you talk about it?"

If a cooperation agreement can be reached, preparations for the IPO can be started in the second half of the year, and when the U.S. economy stabilizes and reverses, and the capital market recovers, Qiandai.com can apply to the NASDAQ at any time.