The other side.

Chen Dongcheng frowned and listened to Xie Jingyu's report.

"Boss, there seems to be a female anchor over there, and the camera caught you just now. ”

"I suggest you and Miss Zhuang leave first, and I'll take care of it. ”

"Okay, you don't have to be too nervous, I'm not a star. ”

Chen Dongcheng didn't take it too seriously, patted Xie Jingyu, and pulled Zhuang Yanting away.

Xie Jingyu stayed where he was, shook his head with a wry smile: "Boss, you are much hotter than celebrities." ”

After Chen Dongcheng left under the escort of two bodyguards, Xie Jingyu walked behind the female anchor.

glanced at the barrage, and they were all asking if it was Chen Dongcheng just now?

Xie Jingyu gently patted the girl's shoulder, and the girl turned her head with some confusion in her eyes.

"That's more than five thousand, your hush money. ”

Xie Jingyu took out more than 50 red bills, put them in the female anchor's bag, and whispered to the girl.

Finding that the girl didn't react, Xie Jingyu pointed to the barrage.

Only then did the girl come back to her senses and cough lightly to speak to the live broadcast room.

"It wasn't Mr. Chen just now, I deliberately leaned over to take a look, there was a rich second generation who was a bit like Mr. Chen picking up girls. ”

"Really?"

"How do I feel you're kidding me?"

"If you're kidnapped, you're going to blink. ”

The live broadcast room was full of unbelieving barrage, and the girl's camera was always aimed at the crowd on the Bund.

"I really didn't lie to you, you see, the people are gone. ”

The girl shook the camera around, and there was really nothing.

Many people have some regrets, if they just intercepted Mr. Chen's face, they would definitely be on the last wave of hot searches!

The girl touched the more than 5,000 yuan in her pocket, thinking that she might not be able to earn so much in a month just by rewarding.

......

Mr. Chen, on the other side, just returned to the car and received a text message from Xie Jingyu: "Boss, it's done." ”

Chen Dongcheng casually threw his mobile phone aside and said to Pang Zhengyang: "Go back to Tomson." ”

Zhuang Yanting drank some wine, her face was a little ruddy, and she teased Chen Dongcheng.

"Now you're so hot, everyone knows that you're worth a lot of money, and many girls dream of being your princess. ”

"It's not a good thing that people are too famous, and when we used to go to the Bund, no one would recognize us. ”

Chen Dongcheng shook his head and sighed, lowered the window of the car, and let the breeze blow in.

If you shoot from the perspective of a drone, the brightly lit magic city, on a wide avenue, the white Bentley Bentayga is driving fast and slow.

The Bund is not far from Tomson Yipin, the car drove into the community, and the security guard at the door saluted.

"You see, it's boring to be rich. Chen Dongcheng joked.

Zhuang Yanting glanced at Chen Dongcheng: "If you say this, how many people will want to beat you." ”

"If we were really exposed just now, would you regret it?"

When Zhuang Yanting was about to arrive at the door of the elevator, she suddenly asked lightly.

Chen Dongcheng's eyes suddenly narrowed, and he glanced at Zhuang Yanting.

This is definitely a proposition!

Mr. Chen did not hesitate, and immediately said: "Of course not, our relationship, even if it is known by the outside world?"

"You've passed. ”

Zhuang Yanting was really satisfied, and kissed Chen Dongcheng lightly on the lips as a reward.

"How is this enough?"

Chen Dongcheng smiled evilly and picked up Zhuang Yanting.

As the elevator arrived, I quickly ran to the door and entered the palm print to open the door.

As the heavy bronze door closed, only Pang Zhengyang, who had his head bowed and looked like Chen Dongcheng's shadow, was left outside the door.

......

The speed of Yinhai Jinhui is very fast, in order to prove their strength.

Cao Cao paid for the first ABS product and sold it in less than a day.

Yin Yanwu reported the good news to Chen Dongcheng: "Mr. Chen, fortunately, I am not dishonored."

Your company's first ABS product, which is well received by the market.

It didn't take much effort for us to find a financial institution for you that was willing to subscribe. ”

Yinhai Jinhui is backed by the parent company Yinhai Securities, and there is no shortage of contacts and funds.

The interest rate paid by Cao Cao for the first ABS product was very impressive, reaching 6%.

The interest rate is higher than that of traditional banks, and there are Ant Financial's Huabei and JD.com's Baitiao as precedents.

There are a lot of institutions participating in the subscription, and the quota of 2 billion yuan was quickly divided up by many institutions.

"I've already read the subscription letter you sent.

For the specific commission settlement, I will let Zhu Zijing talk to you. ”

Yin Yanwu didn't care much about commissions, it was all small money.

"Mr. Chen, Cao Cao pays for the next ABS product, it is better to issue it while it is hot, what do you think?"

There are many brokerages who are staring at Cao Cao's payment.

Just what Yin Yanwu knows, there are a few that are not weaker than Yinhai Securities.

It's almost mouth-to-mouth meat, and you can't lose it.

Chen Dongcheng did not mean to temporarily breach the contract.

It is still necessary to have a good relationship with a brokerage.

The issuance of bonds by enterprises is indispensable for their various operations.

"Yes, the follow-up 11.8 billion will be handed over to you. ”

Chen Dongcheng said very cheerfully.

"Thank you so much, Mr. Chen, if you have the opportunity to come to the capital, I will definitely invite you to dinner. ”

Yin Yanwu was overjoyed and thanked Chen Dongcheng vigorously.

In this cooperation, it is Chen Dongcheng who occupies the initiative.

The total scale of ABS products issued by Yinhai Jinhui before was less than 2 billion.

Now Cao Cao paid and threw out a big order of 13.8 billion.

No matter how grateful Yin Yanwu is, it is not enough.

And ABS is a thing that can be infinitely leveraged.

When Ant Financial's microfinance company was at its highest, its leverage far exceeded that of more than 80 times as rumored by the outside world.

As long as it is not punctured for a day, Ant Financial can lie down and make money.

Of course, when it comes to earning power, Huabei is definitely better than borrowing.

However, the nature of the two products is different, and borrowing is a cash loan classification, and sooner or later it will be regulated.

The Huabei scene is controllable and can still continue to be issued, but the profit is less than that of borrowing.

Random payment is the same as the nature of Huabei, and after the launch of this business, a large number of existing users will be stabilized.

Zhu Zijing is also working to build a credit system for Cao Cao's payment.

Both Ant Credit and Teng Xun Credit were established to reduce the proportion of bad debts.

Yin Yanwu mentioned to Chen Dongcheng that Ant Financial's ABS products were sold out in minutes as soon as they were launched.

can have such a hot subscription, relying on the sesame credit system built by Lao Ma.

Huabei and borrowing business can control bad debts at about 1%.

Since January 15, eight companies have been selected to try to do personal credit reporting business.

Lao Ma set out to build Sesame Credit, and the development speed far exceeded that of several others.

Up to now, two years of Sesame Credit have achieved remarkable results.

Getting the personal credit report license issued above, it seems to be handy.

This is not the case.

Chen Dongcheng is sure that Ant Financial has repeatedly defaulted and leveraged madly.

The above categorically will not approve the personal credit investigation license to Ant Financial.

For such an important license, it is most likely that the company will be established by the company itself, and a number of companies will participate in it.

However, there is nothing wrong with starting to build a credit system of its own, and Cao Cao Financial has set up a new department within it, named the Credit Information Department.

The main business is to analyze the users of Cao Cao's payment through big data, and control the bad debts to the lowest extent within a reasonable range.

For a time, Cao Cao Financial recruited troops, tapped many talents in the financial field, and improved the combat effectiveness of the senior management team.

With Cao Cao's current achievements, it is not a problem for the valuation to surpass JD Finance.

The investment institutions that generally quote are around 8 billion US dollars, and the institutions that want to subscribe are like carp crossing the river.

Zhu Zijing has been very busy recently, and domestic and foreign investment institutions have been chatting with him about valuation and prospects for three days.

It's almost straightforward, you fill in the number casually, and we'll see how much you vote.

Zhu Zijing knew the abacus of these institutions.

Looking at China, the one with the most potential to challenge the status of WeChat Pay and Alipay is none other than Cao Cao Pay.

The first two are behemoths, and they invested in Cao Cao Finance at this time, and they made no money.

Zhu Zijing has been waiting, waiting for the sales situation over there in Yinhai Jinhui.

As long as all the 13.8 billion ABS products are sold smoothly, Zhu Zijing dares to shout a valuation of 10 billion US dollars.

It makes my blood boil when I think about it!

Who would have thought that Cao Cao Finance, which was unknown at the beginning, would one day become a super unicorn with a valuation of tens of billions of dollars.

When Zhu Zijing joined, he didn't dare to think so.

It is too difficult to get to this point, and under the strong pressure of WeChat and Alipay, it can gain a 1% market share in the third-party payment market.

Without the help of numerous brother companies, it is undoubtedly a dream.

Takeaway, bicycle, taxi, online shopping......

Almost all payment scenarios are included, so that Cao Cao has a good score of payment.

Of course, the most important point is that sponsoring the Spring Festival Gala has become the most critical node in the development of Cao Cao's payment.

With more than one billion viewers, Cao Cao's payment has gained unprecedented exposure.

In the first quarter of this year, Cao Cao's market share increased significantly.

Although it is still not as good as Alipay and the % has increased to 5%.

This growth rate made all the employees of Cao Cao Financial feel incredible.

Especially for the promotion of QR codes in offline stores, the local push team sent by Cao Cao Pay promoted the QR code collection business door-to-door, and the online and offline transaction volume skyrocketed at the same time.

After listening to the report, Chen Dongcheng poured cold water on Zhu Zijing.

"Even Ant Financial's Series A financing has been discounted by 65%.

JD.com even signed a VAM agreement.

What do you think these institutions will ask of you?

Is the annual net profit growth not less than 20%?

It can't be listed within five years, and the major shareholders will contribute to the buyback?"

Zhu Zijing was excited, and he was instantly alert.

During this time, many top investment institutions have come to the door.

In addition, the speed of Cao Cao's payment was very fast, and Zhu Zijing was a little floating unconsciously.

Or not only him, the general manager.

Everyone in the company was a little smug and confused by the results in front of them.

"We are still far from Alipay and WeChat Pay's market share, and we are complacent about achieving such a little result, how can you let me continue to trust you?"

The calmer Chen Dongcheng's voice was, the more frightened Zhu Zijing became.

His face was full of guilt, and he lowered his head and didn't dare to look directly at Chen Dongcheng.

"Chen Dong, I ......"

"The capable go up, the mediocre go down, this simple truth, I don't need to emphasize it anymore, right?"

Chen Dongcheng looked at Zhu Zijing, and at the same time his tone was serious, he couldn't help but be a little disappointed.

This talent he dug up with his own hands, and he didn't want to make a decision to tear his eyes until he had to.

Zhu Zijing's face was full of shame: "Chairman Chen, I will keep your words in mind and rectify the impetuous wind of the company, and we will not consider financing for a period of time in the future." ”

Zhu Zijing could feel Chen Dongcheng's disappointment in himself, and he couldn't stop blaming himself in his heart.

That's where I go, and I get carried away.

The better Cao Cao's financial achievements, the more dazzling Zhu Zijing's resume will be.

What's more, no one will be willing to give up Cao Cao's financial equity incentive.

The super unicorn, which is valued at tens of billions of dollars, is ranked first in the entire Internet circle.

Chen Dongcheng's eyes were a little warm, he had already noticed that Zhu Zijing was a little floating, and this time he took the opportunity to knock him.

Cao Cao Finance is definitely the most important destroyer in the aircraft carrier of Cao Cao Group, and there is absolutely no room for error.

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