Shen Lang secretly had a shadow over Ant Financial once before, which greatly damaged Ant Financial's vitality.

It's just that there is very little interference to WeBank, after all, 80% of the main funds lent by WeBank are funded by major banks and financial institutions.

WeBank only pays 20%, although this makes a lot less interest than Ant Financial, but at least it is better than safety and lightness.

Seeing the accident of Ant Financial, almost the happiest is WeBank.

WeBank's flagship product, WeLoan, has almost been handed over countless times with Borrower and Huabei, but they are all on par.

However, Ant Financial has now been punished, and WeLoan does not dare to expand the number of lenders at will.

Langbei has been leading the way for a while, and under the strict supervision of cash loans, it has become the first choice for many people who need money urgently.

Tianxin Financial Services Langbei business can release up to 26 billion, and now the quota of 26 billion is even more released.

And every moment, a large number of users take the initiative to apply for credit, and the limit of 26 billion yuan is a drop in the bucket for a large number of users who are in urgent need of money.

Of course, Tianxin Financial Service also has a set of data algorithms, and judges the user's situation in combination with the personal credit of the central bank.

In today's strict state regulation, microfinance companies across the country simply cannot survive.

All kinds of violent methods such as calling to collect debts have become their main way to collect debts, and many people have been forced to commit suicide by jumping off buildings.

Zhao Zhenyu had been observing Shen Lang's expression, and seeing that Shen Lang had been pondering, he said softly: "Shen Dong, I personally don't recommend cooperating with WeBank. ”

"Tell us what you think. ”

"At present, the business of Langbei has reached a limit, and I think that we can increase the registered capital of Tianxin Financial Services, and then imitate the model of micro loan to unite with multiple banks.

I think it will be easier for the city commercial banks in various places to be persuaded by us, after all, the ceiling that the city commercial banks want to develop is placed on it.

Without the qualifications for geo-expansion, it will be easier for us to take them down.

Only companies with a user base like us can make more money, and if we seize the opportunity, we may not be able to steal more market share from WeBank. ”

Zhao Zhenyu's meaning is already obvious, then reject the cooperation application sent by WeBank.

Aifubao now has as many as 100 million daily active users, and it is logical that it has become the third pole of domestic payment.

Even Alipay and WeChat have held internal meetings many times, and their vigilance against Aifubao is constantly increasing.

The development model of Aifubao is almost the same as Alipay, but it is faster than Alipay.

Basically, users have been cultivated and matured by Alipay and WeChat, and what Aifubao does is to rob users by burning money subsidies.

Shen Lang crossed his legs and looked at Zhao Zhenyu with a smile and said, "You mean that Aifubao's Langbei business also imitates the model of WeBank and takes the joint route?"

"That's right, Mr. Shen, we often get together to discuss the future development of our city commercial banks, and there happened to be a city commercial bank summit held in the capital recently.

I think you can bring this up in front of a lot of bank speakers, and I think they'll be very interested. ”

Zhao Zhenyu smiled and made a plan.

Shen Lang nodded with a smile and said, "When the time comes, you inform me that these city commercial banks are still useful, but it is not easy to grab the market from WeBank." ”

"It is nothing more than to reduce our interest share, according to the intention contract sent by WeBank, the cooperation model proposed by the other party is to contribute 80% to us, and the interest to share 70%. ”

"What is Issei?"

Zhao Zhenyu shrugged and said: "The number of users in my hands is the capital that WeBank has asked for.

The 10% interest charged is equivalent to the connection facility usage fee that WeBank levied on us, the partners. ”

Not only that, but the actual maximum annual interest rate of WeLoan can reach an astonishing 27.375%, which is far higher than the industry average. ”

Zhao Zhenyu said: "Shen Dong, I strongly recommend that Tianxin Financial Service also take the route of micro loans, and the rapid development model of light assets is promising!"

Shen Lang nodded thoughtfully and said, "I remember that I still have 3% of WeBank's shares in my hand. ”

Zhao Zhenyu was stunned when he heard this, and then suddenly realized: "What Shen Dong said is one of Jinli's original assets, right?"

Originally, this share was mortgaged by Liu Rong of Jinli to Nanyue Bank, and was later redeemed by Shen Lang.

"Well, Jinli is one of the founding members of WeBank, accounting for 3% of the shares, but now it seems that it has earned dozens of times. ”

Zhao Zhenyu nodded when he heard this: "That's true, now the valuation of WeBank will not be less than 80 billion, and at the beginning of the year, there was capital to give a valuation of close to 70 billion." ”

At present, WeBank is basically the leader, backed by Penguin, the owner of the father, and the development of WeBank is not too smooth.

Zhao Zhenyu couldn't help but be greedy: "Shen Dong, what we envy the most is WeBank's net interest margin.

Their net interest margin is as high as 7%, and we city commercial banks are content to reach 2%. ”

The higher the net interest margin, the more revenue and profit will naturally be attributable to the bank.

With the same loan amount, WeBank will earn at least three times more profit than Nanyue Bank, who is not greedy?

"So WeBank is a sweet spot?"

"It's not just fragrant, a lot of capital is eager for WeBank to release shares, but there has been no news. ”

Shen Lang nodded and asked, "You help me get in touch, I plan to sell the shares of WeBank held by Jinli." ”

"Dong Shen, are you sure?"

Zhao Zhenyu couldn't help but persuade: "Dong Shen, WeBank's development speed is very fast, and the current valuation of 80 billion is only temporary.

Many people are optimistic that WeBank's valuation will exceed 100 billion, and even the market value will reach 500 billion after listing, and it will still be profitable to hold WeBank shares. ”

"No matter how optimistic we are, there will be no chance for us, once Langbei chooses the same development method as WeLoan, we will become competitors, do you say WeBank will give us the opportunity to continue to hold shares?"

Zhao Zhenyu was stunned for a moment, and then said with a wry smile: "It's as simple as I think, Shen Dong, then I will be responsible for helping you release the news, presumably there will be no less capital interested in WeBank shares." ”

Shen Lang nodded, got up and said: "You can do it, I'll just go upstairs to have a look, Nanyue Bank's business in the capital is very important, it can be said that the branch in the capital is the bridgehead of Nanyue Bank."

It is up to you to open up more markets in the future, and there is a limit to what I can help. ”

Zhao Zhenyu nodded solemnly and said: "Don't worry, I will definitely lead the capital business team to develop Nanyue Bank." ”

"Well, let me know when there's news. ”

Shen Dong walked slowly. ”

Zhao Zhenyu sent Shen Lang all the way to the stairs, and waited for the elevator to close before turning around and returning to the office.

After sitting for a while, Zhao Zhenyu reported to Luo Yan first.

Luo Yan agreed with Zhao Zhenyu's idea and said that the head office would also give financial support.

After hanging up the phone, Zhao Zhenyu breathed a sigh of relief, went through his thoughts in his mind, and then called the presidents of the capital branches of several other city commercial banks.

Everything was done, and Zhao Zhenyu leaned back on the boss's chair with a painful face.

Thinking about WeBank's shares being picked up cheaply by others, Zhao Zhenyu was depressed.

However, if Langbei's business also adopts the model of micro loans, the development speed of Nanyue Bank will be increased by another level.

Do you still need to care about this loss at that time?

Once the valuation of Tianxin Financial Service exceeds 100 billion, it will really be developed!