"It's just that now we subconsciously or the development of the mainland in the past will not last long, in fact, this idea is very wrong, I am a person who grew up in the mainland, and I know very well what the mainlanders think, the current policy allows everyone to make a fortune, then everyone will try to develop their own careers, and no one can stop this force." ”

"You see that in the past ten years, maybe 100,000 yuan households are the object of envy of everyone, but now, you see that just my Aurora Media is listed, and dozens of multimillionaires have contributed to it in the mainland, which is not a special case, and the companies listed in the mainland will develop in an accelerated way, and multimillionaires are nothing. ”

"Data doesn't deceive, if you pay attention to the quantitative way of studying the mainland economy, whether it is GDP, the number of people in the high-end with a net worth of one million, and the number of people in the middle class, these figures will definitely change your thinking about the mainland. ”

Liang Baiheng did not expect that Liu Ruoyi's analysis of the mainland was not just verbal and qualitative, and that it must be in quantitative analysis, which is no longer inferior to economists doing research.

In the past, Liang Baiheng simply thought that Liu Ruoyi was a genius among artists and a magical forecaster in the financial market, but listening to Liu Ruoyi say this today, this is still a rather insightful economist.

"Annie, it seems that our generation is old, and I can't imagine that you have studied the economy so deeply," Liang Baiheng sighed.

"Indeed, in terms of the past economic development model around the world, it is difficult to find a precedent for the current changes in the mainland, so everyone's views are very different. With the size of the mainland economy, we use Brazil, India, Indonesia, and the East as models, and find that all of them have no reference. ”

"I have a lot of ideas, and the funds are loose, so it is convenient to use money to buy data, so my dissertation at Xiangjiang University is mainly based on the analysis of the economic development of the mainland.

Several articles have been published so far, and while some experts disagree with my analysis and think it is too optimistic, others believe that my views are supported by facts. Liu Ruoyi said modestly.

"Annie, are you still in school?" Liang Baiheng really didn't know that Liu Ruoyi was still in school, and his private interaction with Liu Ruoyi was almost zero.

"As the saying goes, I live to learn, how old am I, of course, I need to keep improving myself.

This year, my dissertation supervisor said that it is enough for graduation, and I want to read a doctoral program in economics next, and I am very interested in mainland economic research and international financial market research. ”

Liang Baiheng was in awe, and he no longer had the slightest intention of contemplating Liu Ruoyi.

It turned out that this young girl worked so hard, no wonder she could achieve such amazing results!

The most valuable thing is that this girl can already lie down and enjoy her results, even if she doesn't do anything at the moment, her net worth is enough for several generations to live a luxurious life.

"Annie, sometimes I don't think it's really the same young man in his twenties who is communicating with you, and I really feel like my ideas are out of step with the times. Sure enough, a new generation replaces the old, and today's world is getting farther and farther away from our generation. Liang Baiheng said sincerely.

"Where, Lao Liang, your golden age has just begun. Liu Ruoyi smiled and joked. "In the future, there will be an unprecedented wave of listing frenzy in the mainland, and by seizing this opportunity, we will become the leading investment bank in Asia. ”

"Okay, my old bones, I will accompany Annie to rush forward in this wave of tide!" Affected by Liu Ruoyi's pride, Liang Baiheng was also a little excited.

People are infected with each other, and Liu Ruoyi's strong confidence has deeply infected people like Liang Baiheng, who are already very optimistic about the mainland economy.

"Haha, if there is a chance, maybe Xinglong can be operated to Xiangjiang to be listed. Liu Ruoyi joked. Although in her time and space, Xinglong didn't have this operation, but since she was able to return to the first life, how about changing the status quo?

It seems that this time, we will not only make investments, but also make another investment in the future. Liang Baiheng also said with a smile. It's just casual chatting and having fun.

Based on the current understanding of the mainland in the Xiangjiang investment circle, Liang Baiheng really doesn't think that mainland bank stocks will have a good price on the Xiangjiang stock market, just look at the three strategic investors who talked about with Xinglong, although the valuation of PB is similar to that of Xiangjiang Bank stocks, but the price-earnings ratio is only about 7, which is far from the level of 12 to 20 times that of mainstream foreign banks.

The key is that the business and profit growth rates of mainstream foreign banks are far from being comparable with Xinglong.

Looking at it this way, the valuation of Xinglong by Xiangjiang investors is really a bit low.

It is believed that this is an important factor affecting the listing of Hong Kong, because the mainland stock market is much better in this regard.

However, after such an exchange, Liang Baiheng finally understood his confidence in the mainland economy and his determination to invest in the mainland.

If there are more than 5 years of rapid growth in the mainland like Liu Ruoyi said, Liang Baiheng is a little tempted to invest his net worth in the mainland market, as for which industry to invest in, it is not a problem for him at all, that is, the old business of finance is very good and familiar with the road.

As long as you don't invest in funds related to your own interests to form a management interest transfer relationship, then there is no problem at all.

Xinglong's side, for Liu Ruoyi's visit, the reception was obviously a little perfunctory, although Liu Ruoyi is very famous, but Yongxiang Bank is much worse than Hang Seng Bank, IFC and GIC, maybe there are doubts here that they can't get such a large amount of money investment.

Yongxiang Bank's reputation may not have been heard of before.

This kind of coldness Liu Ruoyi can directly feel, she doesn't care about these formal things. Now this is the case, and Yongxiang Bank does not have much presence in the industry.

But fortunately, Liang Baiheng and Liu Ruoyi are still very famous, but one is in the financial world and the other is in the entertainment industry, which makes me feel that this combination is a bit mismatched, and Xinglong's boss still took the time to meet.

In the VIP hall of the headquarters of Fucheng Xinglong Bank, the guests and hosts of the two sides sat down.

"Welcome Miss Annie to visit us Xinglong to inspect and guide the work," Xinglong Boss said politely.

"But frankly speaking, Yongxiang Bank is smaller than our Xinglong, does it have this strength in investment?"

"I appreciate Mr. Zheng's frankness, and to be honest, with Yongxiang's own financial strength, it is indeed difficult to undertake the needs of strategic investment funds like Xinglong," Liu Ruoyi is not offended, she prefers to go straight when she is working.

"But Yongxiang's source of funds is very reliable, with my authorization, frankly speaking, the investment within 10 billion can be received in one month, and the investment within 30 billion can be received in two months at most. ”

Liu Ruoyi's cowhide was blown out, which made Xinglong's solemn eyelids jump, obviously the impact on his heart was a bit big.

With Xinglong's current total valuation of only 10 billion, Liu Ruoyi is clearly slapping the face and questioning just now, or does he really have such a strong strength to pretend to be 13 points?

Solemnly thinking about Liu Ruoyi's relationship with the Zhao family and the Li family, he was relieved, it seems that the rumor that Liu Ruoyi is the spokesperson of the Zhao family or the Li family is still somewhat true.

Indeed, in the eyes of the mainlanders, Liu Ruoyi is more mysterious than in the eyes of the Xiangjiang people, and Liu Ruoyi's origin in the mainland is naturally turned over in the gossip magazines and tabloids, and there is nothing to hide, so everyone believes that Liu Ruoyi has no background in the mainland.

However, in the close cooperation with the Zhao family and the Li family in Xiangjiang, many mainlanders are free to testify that Liu Ruoyi may be a white glove chosen by the Xiangjiang family.

"I wonder if the source of funds that Ms. Annie is talking about is clear, but everyone must know that the source of funds in the financial industry must be clear and unquestionable. Zheng Zheng then asked.

In a special field like banking, there is no problem with Xiangjiang's funds in principle, but Liu Ruoyi's funds, which are not directly from publicly listed companies such as Yongxiang Bank, have certain policy risks.

"The source is very clear, simply put, this is the money I made in oil futures, and I am going to borrow Yongxiang Bank to invest in the mainland financial industry. Liu Ruoyi is not prepared to hide her source of funds, because in the future, she will have more business in the mainland, which will have to be made public sooner or later.

"Ahh Zheng Zheng was taken aback, obviously, his previous understanding of Liu Ruoyi was directly limited to the identity of an artist, and he didn't know much about Liu Ruoyi's report on the hype of Xiangjiang oil futures.

There is no problem with this, solemnly confirm that the funds are not a messy gray channel source, and immediately feel at ease.

If there is no problem with funds, then you can consider it, at least you can make a chess piece to suppress the arrogance of Hang Seng Bank, IFC, and GIC.

Therefore, the original plan for a ten-minute meeting was forced to drag on solemnly to an hour, and the two sides had a full exchange of information on the period of Xinglong's strategic financing, and solemnly explained the financing background, ideas, uses, and valuations to Liu Ruoyi concisely.

In addition to replenishing the capital, Liu Ruoyi heard that the solemn intention of this strategic investment is to expand Xinglong's business outlets as much as possible and expand the scale of operation! Although the government still has the advanced management experience of the international banking community and the optimization of the shareholding structure, these are relatively secondary.

"I have been clear about the position and needs of Xinglong's side, and in principle, Yongxiang Bank can accept the quotation and PB requirements of Xinglong's side. Liu Ruoyi listened to what Zheng Balabala said for a long time, and made her position clear.

"Next, our team can have direct contact with the Xinglong team, enter into substantive communication and negotiation, and negotiate specific investment agreements and transfer payment and other agreement details. ”

Zheng Zheng was taken aback again, this is the first time we met, Yongxiang can enter the substantive operation? This pace is too fast, Zheng Zheng is a professional who is resolute in doing things in the mainland, and he can't keep up.

Especially when the other party accepted his own offer, Zheng Zheng couldn't accept it.

This is an investment of billions of yuan, how can it be done in principle after a few words of effort?

"We very much appreciate Ms. Annie's frankness and recognition of Xinglong's value, but with this strategic financing, our intention is not only to bring in funds from strategic investors, but also to focus on the long-term, hoping to improve the shareholder structure of the Bank through this strategic investment.

It will further promote the Bank to improve corporate governance, improve operation and management, accelerate the integration with the advanced level of the international banking industry, and improve the ability to participate in international and domestic market competition and cooperation.

We hope that this strategic financing will be of great significance to the long-term healthy development of our bank and the realization of our strategic goal of building a first-class modern commercial bank. ”

Although Zheng Zheng admires Liu Ruoyi's vigorous and resolute action, but this financing is not something he can say alone, Liu Ruoyi owns a majority stake in Yongxiang Bank, even in the board of directors is a good word, not to mention cornerstone investment, funds are completely free to move.

Therefore, Liu Ruoyi's decision-making efficiency can be very high, but Xinglong's side can't do this, at least Zheng Zheng doesn't have this power.

"I can pass on the opinions of Winway Bank and Ms. Annie to the board of directors of the company, and from a personal point of view, I think we have a good basis for cooperation. Zheng Zheng finally said.

Although he can't make a decision directly, the introduction of Yongxiang Bank as an investment candidate is not a big problem.

"Thank you, Mr. Zheng, we Yongxiang Bank is pursuing a win-win situation, after looking at the future direction, the more important thing for the valuation judgment is to look at the future growth of the target, therefore, we understand the prudent attitude of your bank's state-owned capital appreciation and preservation. ”

Although Liu Ruoyi's words were a little awkward, Liang Baiheng and Zheng Zheng were both human spirits, and they heard the meaning of Liu Ruoyi's words, this is preparing to fight with competitors on price.

It is not to reduce the price, but to increase the price on the basis of PB1.8, which is of course a little unfavorable for Yongxiang Bank, which means that the acquisition cost will increase.

But it is a great benefit for Xinglong, even if the big boss of Xinglong does not choose Yongxiang Bank in the end, he can use this offer as a bargaining chip to convince his favorite strategic investors.

"Moreover, in terms of modern banking operations, Yongxiang Bank is also a listed commercial bank in Xiangjiang, with very good operating performance and a stable operating system, and our CEO, Mr. Liang, is also a senior executive who has served a number of top international banks and has rich experience in commercial banking operations, which we are very happy to share with your bank. ”

If Liu Ruoyi is the only one to talk about this matter, Xinglong Zhengzhong may really just use Yongxiang Bank as a pawn that can be used, but with Liang Baiheng, Zhengzheng really can't be underestimated, after all, Master Liang is a top expert who has been registered among the mainland bigwigs.

Frankly speaking, what is there to learn from Zheng Zheng, such potential strategic investors as IFC and GIC?

The top values these because they have strong capital and can take out real money. The current Yongxiang Bank is not bad for money, and it doesn't seem to be a joke, there must be big capital support behind it.

So it's the same for everyone.

Who is selling is not selling?