In the past few days, Zhao Ruoxue has been busy acquiring fund sales licenses.

Aifubao, which spent 70 million yuan to purchase a fund sales license, immediately aroused the vigilance of other competitors in the industry.

In particular, Ant Financial and Penguin have begun to pay attention to the opponent of Tianxin Financial.

The potential of Aifubao is quite large, and the main financier behind it burns money too hard.

In just a few months, $300 million has been burned, and now it seems that $300 million is just an appetizer for the other side.

With a license, companies engaged in fund sales do not know how many.

However, very few companies can afford to buy a fund distribution license, and less than 1 percent of the tens of thousands of companies engaged in fund distribution are engaged in fund distribution.

Zhao Ruoxue carefully selected a medium-sized fund sales company, and then Tianxin Financial annexed the other party.

For Zhao Ruoxue, the most useful thing about this company is the fund sales team.

Zhao Ruoxue doesn't understand fund sales, but it doesn't mean that Zhao Ruoxue doesn't know how to use people.

Tianxin Financial soon registered and established a subsidiary, the full name of which is Tianxin Fund Co., Ltd., which is mainly engaged in fund sales.

There are many companies engaged in fund sales, but most of them can only drink some soup, and those who can eat meat are licensed companies.

Tianxin Financial was also renamed Tianxin Financial by Zhao Ruoxue, and instructed the technical team to prepare for the launch of Coin Treasure.

This requirement is not difficult for the technical team, just do it according to Yu Bao.

With a license, Zhao Ruoxue wants to issue a Tianxin fund, specializing in money market funds.

Even if Tianxin Fund doesn't make money, as long as users throw money into Coin Treasure, they will not uninstall Aifubao.

This is equivalent to a binding effect, how many people are reluctant to unload Alipay for a Yue Bao.

Zhao Ruoxue is very clear about this truth, although the current users of Aifubao are not as huge as Alipay and WeChat, but they should not be underestimated.

Zhao Ruoxue is not panicking now that she has money in her hand, and Shen Lang's one billion US dollars were injected into Tianxin Financial Services, but now it is only less than a tenth of it.

"I have a plan, the last time the whole people divided the 1.5 billion effect is very good, I want to take the opportunity of the 11th National Day Week to have another event. ”

"Tell me about it. ”

"Last time, our money-burning strategy has seen results, and our share of the mobile payment market in the third quarter can reach 2%, and the 1.5 billion burns are indispensable. ”

Zhao Ruoxue paused: "But we still haven't completely cultivated mature users, this time I plan to launch Coin Treasure and consumer financial products at the same time." ”

"Consumer finance?"

Shen Lang noticed this word, shook his head and said: "Not at the moment, it is very risky for consumer finance to have no license." ”

"If you buy it without a license, I don't believe you can't get a license. ”

Zhao Ruoxue said in a firm tone: "Consumer finance must be done, otherwise Tianxin Financial Services will not see any hope of making a profit." ”

Last year, the most eye-catching part of Ant Financial's financial report was consumer finance, which accounted for almost eighty percent of Ant Financial's net profit.

Ant Financial is also frantically testing on the verge of death, only the provincial lending qualifications have been lending across the country, and there are many people who are red-eyed, and sooner or later there will be problems.

Shen Lang touched his chin and said, "When it comes to consumer finance licenses, I really seem to have a way." ”

Zhao Ruoxue said hurriedly when she heard this: "What way? If we can buy a consumer finance license, then we will make a lot of money." ”

The consumer finance license is also one of the licenses strictly controlled by the state, and this license is required for national lending similar to Huabei and Borrow.

Basically, they are all held by urban commercial banks across the country, after all, the requirements for non-financial institutions must reach total assets of 60 billion yuan or annual revenue of 20 billion yuan.

Not to mention Tianxin Financial, even Ant Financial has not been able to touch this threshold before.

"Nanyue Bank just has a license. ”

Shen Lang remembered that Luo Yan had mentioned it to him before.

"Really?"

Zhao Ruoxue said in surprise: "Then quickly cooperate with Nanyue Bank, we will invest, and Nanyue Bank will take the shares for nothing." ”

The consumer finance license is so valuable, basically ninety percent of the consumer finance licenses are city commercial banks.

Nanyue Bank is no exception, and Luo Yan insisted on applying for a consumer finance license.

The reason why city commercial banks occupy ninety percent is the policy of restricting expansion in other places.

It is difficult for city commercial banks to be approved to open branches in other places, and the natural consumer finance license solves this problem.

It is entirely possible to circumvent this policy through a consumer finance license and conduct business across the country.

The consumer finance license held by Nanyue Bank in its hand does not know how many people are worried.

National policy stipulates that if there is no consumer finance license, a lending company like Ant Financial is not allowed to leverage more than three times at most.

But with a consumer finance license, it can reach up to 13 times!

The gap is simply the difference between heaven and earth, and Shen Lang is also a little lucky, fortunately, he bought a city commercial bank to solve this pain.

Similar to those national commercial banks that do not pay attention to this kind of consumer finance license at all, they themselves can lend money nationwide.

But for a company like Ant Financial, a consumer finance license is out of reach.

What I have you don't is an advantage, Zhao Ruoxue almost can't wait to cooperate with Nanyue Bank immediately.

Shen Lang called Luo Yan and asked Luo Yan to come to the capital.

Luo Yan is in Guangzhou Province, and the president of the capital branch is also a cadre sent by Luo Yan.

Luo Yan received the phone call, and knew from Shen Lang's understated words that this matter must not be small.

Luo Yan hung up the phone and hurriedly instructed the secretary to book a ticket to the capital.

Backed by Shen Lang, the big boss, the development of Nanyue Bank is almost like a rocket.

At present, the amount of deposits absorbed has been close to 200 billion, and the most important factor is, of course, the harvest of several branches opened in different places.

The three major branches of Rongcheng, Magic City and Capital have all achieved results that make their peers blush.

The markets in the three major cities are huge, and it is basically not difficult for Nanyue Bank to absorb deposits of more than 300 billion yuan this year.

Total assets mainly refer to the income that can be generated by lending, and the more deposits a bank absorbs, the more money it naturally needs to lend.

After all, ordinary users need to pay interest on the deposit they put into the bank, and only by lending it can the bank not lose money.

Nanyue Bank has reaped no less benefits through Shen Lang, and its total assets have grown by leaps and bounds, reaching 300 billion yuan.

There is also a downside to an increase in total assets, which is certainly a growing demand for capital.

Although banks also play leverage, they must meet several relevant data of the CBRC.

Nanyue Bank has no worries in this regard, and Shen Lang can inject 10 billion yuan to increase the core capital of Nanyue Bank at any time.

The more core capital, the greater the capital that Nanyue Bank can leverage.