In the thirtieth year of the Chinese New Year's Eve, Chen Dongcheng was not at home.

The first day of junior high school finally reunited as a family, and made up a Chinese New Year's Eve dinner with Meimei.

Moving to Hangzhou, Chen Jianye and Gu Xiuwen both felt that their surroundings were much cleaner.

If you have nothing to do, you can climb the mountain, and you can go to the West Lake to vomit.

Food, clothing, housing and transportation are handled by special personnel, and they can enjoy it with peace of mind.

Chen Dongcheng is so generous to others, so he will naturally not be bad to his parents.

During the Chinese New Year, Chen Dongcheng's mobile phone almost never stopped, and the news of New Year's greetings was 99+ minutes per minute.

Fortunately, Xie Jingyu handled it for him.

Chen Dongcheng's main response is naturally the many confidants around him.

In his busy time, Chen Dongcheng went to visit Guo Jingxuan's house and brought some gifts to give Guo Rongjun enough face.

Who is Mr. Chen now?

It is no exaggeration to say that in the Chinese business community, they are all the top figures.

Don't look at Lao Guo is also a billionaire and has good connections.

But there are too many billionaires in China, and Chen Dongcheng came to visit him as a junior, and the corners of Lao Guo Xiao's mouth couldn't close.

"Come on, bring something, you and Aunt Lu want to visit your house, Jingxuan, this girl doesn't agree. ”

Lao Guo's tone was a little complaining, he didn't know which of his daughter's tendons was wrong, and he didn't go to Chen Dongcheng's house to take a look during the New Year.

Chen Dongcheng paused for a moment, and said with a little emptiness: "There are friends at home, and my parents are also busy, so it's good that Uncle Guo has this heart, I'll go back and bring it to my parents for Uncle Guo." ”

Chen Dongcheng's heart was cold, Guo Jingxuan seemed to know that Li Xingyao was at his house.

looked left and right, but didn't see Guo Jingxuan's figure.

"Uncle Guo, Jingxuan is not at home?"

"I'm going to Jasmine's house, I'm going to give her a call. ”

Guo Rongjun said, took out his mobile phone and was about to dial the number.

"No, I'll just wait at home, and I'll talk to you by the way. ”

Chen Dongcheng hurriedly waved his hand, thinking that at this time, he would definitely not be able to go.

If you go, you will definitely be set on fire by Guo Jingxuan's girlfriends.

That scene......

Guo Rongjun smiled and put down his phone.

"It's okay, tell me, how did you think of grabbing the cake with WeChat and Alipay, I sweated for you. ”

Lao Guo really admires it, and now these young people are much more courageous than them.

Ahri and Tengxun are giant crocodiles of the same level, and they are all provocative, and they are really newborn calves who are not afraid of tigers.

Chen Dongcheng shrugged and said: "The third-party payment market is so big, although the two of them have the largest market share, it is not without opportunities for other platforms. ”

Even JD Finance, with Ant Financial as a reference, was able to obtain a valuation of $7.5 billion.

Cao Cao's financial potential is naturally far better than JD Finance.

With the end of the Spring Festival Gala, investment institutions began to contact Zhu Zijing and Chen Dongcheng.

Ask Cao Cao if he has a financing plan and how much he intends to set the valuation.

Guo Rongjun also developed in the financial circle, and his sense of smell is more keen.

"Now that the above is more determined to rectify microloans, many of my friends have started to run away, and it will not be so easy to make money in this industry in the future. ”

Chen Dongcheng asked curiously, "Uncle Guo hasn't considered changing careers?"

Guo Rongjun shook his head and smiled bitterly: "It's difficult, it's too easy to enter an unfamiliar field, it's too easy to fall behind." ”

"By the way, will your financial company promote the loan business in the future?"

Chen Dongcheng smiled and nodded: "It's already online, Huabei is similar to Alipay, it's just that the name is different." ”

If you don't take advantage of such a good opportunity, it's simply a tyrannical thing.

Since Cao Cao Finance launched the loan function, it has instantly captured a group of loyal users.

The number of people who took the initiative to apply for credit exceeded 30 million.

Generally, a debt model is formed, and users will be more loyal to the platform.

Guo Rongjun opened Cao Cao's payment, pointed to 'pay at will' and asked, "Is this it?"

"This is just one of them, the benchmark Ahri's Huabei belongs to the category of consumption first and repayment later.

There is also a 'safe borrowing', similar to borrowing, which focuses on loan business, with varying amounts. ”

Lao Guo frowned and glanced at Chen Dongcheng.

"To be honest, your business is no different from the small loans we have now. ”

"It's essentially the same, just different in terms of gameplay. ”

Chen Dongcheng explained with a smile: "I have hundreds of millions of users, but you don't.

I will package the debts generated by Cao Cao's payment users through arbitrary payment or borrowing into ABS bonds and sell them to earn interest differences. ”

Guo Rongjun touched his chin: "The central mother has a rule that the small loan business cannot exceed 1.5 times the registered capital.

However, the actual implementation will vary from province to province, which city do you plan to register the company in?"

"Mountain town. ”

"I've had people get the approval process done before.

The registered capital is set at 6 billion, and according to Shancheng's policy, it can lend up to 13.8 billion. ”

This is not a secret, and Chen Dongcheng does not have to hide it from Guo Rongjun.

Guo Rongjun shook his head after hearing this: "It's not enough, with the amount paid by Cao Cao, this amount is not enough to stuff the teeth." ”

As a simple example, even if it is prudent to have a credit limit of only 5,000 per person.

Of the 13.8 billion, only 2.76 million people can be credited.

Compared to the number of more than 30 million applicants, it is a drop in the bucket.

Chen Dongcheng smiled faintly: "A policy is a policy, and there will always be some delay in implementation." ”

"You mean ......"

Guo Rongjun understands that he was in the small loan business before, so he naturally understands the gameplay.

It's just that they don't make it as big as Ma Yun.

Chen Dongcheng smiled and nodded: "Of course, I have other countermeasures, such as cooperating with Weizhong Bank and adopting a joint loan model." ”

Guo Rongjun pondered for a moment and asked, "You mean joint financing, joint loan?"

"Yes, this is the way that Micro Heavy Bank has been developing, and if I can handle the cooperation of Universe Bank, other banks will definitely be interested. ”

Guo Rongjun sighed: "The back waves are terrifying, I think your model is very reliable."

To put it bluntly, you're just earning interest differentials. ”

He understands the reason, but he can't do it at all, because he doesn't have the capital.

Not to mention anything else, just sponsoring the Spring Festival Gala like this, how much does it cost?

Start at least a billion yuan!

Not to mention that in order to retain these users, a series of subsidy programs have to be developed.

That's all real money burning.

"I'm back. ”

When Lao Guo Zheng kept sighing, Guo Jingxuan came back.

Lu Suzhen had been watching TV, and immediately greeted her: "Xuanxuan, who do you see coming?"

Guo Jingxuan followed the direction pointed by Lu Suzhen and saw Chen Dongcheng looking at her, and her tone couldn't help but be a little resentful.

"Yo, isn't this Mr. Chen? Why do you remember that my house is visiting?"

Guo Rongjun smiled knowingly and said, "You talk first, I'll go buy some food with your aunt and eat at home at night." ”

After speaking, Guo Rongjun gave Lu Suzhen a look, and the two left the space for them.

"Ahem, it's not like I just got home to rest, so I thought about visiting Uncle Guo and Aunt Lu. ”

Chen Dongcheng knew that he would definitely not be able to hide, and asked, "Why don't I take you to my house tomorrow?"

"To your house?"

Guo Jingxuan said angrily: "Let me quarrel with Li Xingyao?"

The hemp egg was really exposed.

Chen Dongcheng thought in his heart, and said: "This matter is my fault, or I will compensate you in the next year?"

"How to compensate?"

Guo Jingxuan was a little moved, but she still had a cold look on her face, and she couldn't coax her no matter how she coaxed her.

"Think about it, I'm going to England in the next year to watch Tottenham's Champions League match, are you interested?"

Chen Dongcheng asked with a smile, he knew that Guo Jingxuan would definitely not refuse.

Guo Jingxuan snorted before saying, "A word is a certainty, you can't run away after the year." ”

"Don't worry, wait for my call. Chen Dongcheng swore an oath.

Then we talked about other things, and the atmosphere finally improved.

Guo Jingxuan was also amused by Chen Dongcheng's bitter encounter with the Spring Festival Gala, which made her laugh.

Lao Guo actually walked around the community with Lu Suzhen, and looked at his baby girl first when he entered the house.

With a smile on his face, he still looked unhappy before.

"Alas, sure enough, the bell must be tied to the bell. ”

Lao Guo saw Guo Jingxuan sullen before, and felt that it must have something to do with Chen Dongcheng.

Now that I look at it, I guessed correctly.

"Dad, why didn't you buy anything?" Guo Jingxuan wondered.

"For the Chinese New Year, how can there be any sellers, the family has bought them in advance, I'll have some drinks with Dongcheng in the evening, and you and your mother will cook a few dishes. ”

Guo Rongjun waved his hand and said casually.

Chen Dongcheng saw it in his eyes, and his heart was like a mirror.

"Aunt Lu's craftsmanship is so good, she must eat a few more bowls of rice at night. ”

"You kid, let's continue to talk, can you tell me how you plan to operate next?"

Guo Rongjun first went to the bottom of the TV cabinet to find a box of treasured tea, slowly brewed tea, and then poured Chen Dongcheng a cup.

Chen Dongcheng picked out some less important things to tell Guo Rongjun, which touched Guo Rongjun a lot.

"Now the micro-loan market is not doing well, everyone is dancing on the tip of the knife, and I am also a little disheartened and plan to sell the company. ”

Lao Guo sighed, still a little unwilling, whoever misses a stable financial path will be like this.

Chen Dongcheng touched the teacup with Guo Rongjun, comforted Lao Guo, and then asked, "Uncle Guo, you should know a reliable brokerage, right?"

"Definitely, if you want to cooperate with a broker, I can recommend you a few of the ones I have worked with, and the reputation is still very good. Guo Rongjun said briskly.

"Brokers must be looking for, and it is best to find a reputable one, after all, it involves long-term cooperation. Chen Dongcheng said affirmatively.

"Think about it, Yinhai Securities is quite suitable for you, it has a good reputation, and it won't be too strong. ”

Lao Guo thought for a while and suddenly asked.

Chen Dongcheng still trusts Lao Guo.

"Okay, I'll have someone check it out when I get back, and if it's okay, I'll work with them. ”

Guo Rongjun is not worried that Chen Dongcheng will suffer a loss, and Yinhai Securities will definitely give in in order to win Chen Dongcheng's two big orders.

"You have the traffic, they have the talent and the experience, you work together, it's definitely okay. ”

Just by looking at the cooperation between Ant Financial and Debang Securities, you can know a thing or two.

Since Debang Securities hugged the thigh of Ant Financial, it has developed so fast that it ranks among the best brokerages.

The vast majority of ABS securities in Huabei and borrowing the two major businesses were handed over to Debang for issuance.

Now Cao Cao Pay, which has launched a similar business, as long as the wind is released, it is the major brokerages that should be competing for it.

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