At the beginning of May, Ling Nan was transferred to the board of directors of the United Bank, and at the end of the month, Qiu Zhizhang resigned, and the superiors directly appointed Ling Nan as the new president, chairman of the board of directors, and secretary of the party committee, which is the only president of the United Bank who has not passed a vote for more than a decade. As Huang Guangyao said, the era of extralegal privilege ended, and Union Bank completely returned to the group of the five major state-owned banks.

Two weeks later, Lin Qiang, Qian Bo and others came to the airport together to send Qiu Zhizhang to the flight to Los Angeles.

The story of that generation, completely declared over, they are great, but it is time for someone to take over.

In June, Jijing Bank and Weixin reached a strategic cooperation, Jijing Bank is responsible for product operation, Weixin is responsible for channel sales, they launched the "micro-earning" wealth management product at the same time, users can buy and redeem through the "Weixin wallet" platform, as small as a penny, no cap, guaranteed annual annualized rate of return of 3.25%.

This is actually a flexible version of conventional short-term wealth management products, customers do not need to go to the bank to buy and redeem, do not need to sign bundles of contracts, only need to operate on mobile phones, computers can complete the purchase. Profit is closed on a daily basis, and the operation is completed within one minute.

Soon, under the love and flexible operation of the market, the annual rate of return of "micro-earning" exceeded 3.5%. Lin Qiang finally put himself in the shoes of the virus-like propaganda power of WeChat.

Taking advantage of the momentum, the two sides launched the "Big Earn" product in August, compared with the "micro earning", the investment threshold for big earnings is 100,000 yuan, divided into one-year, three-year and five-year periods, no matter which period, its income completely exceeds the treasury bonds.

Under the excellent reputation of micro-earning, the sales of big profits have also ushered in a series of good news. Less than September. Its one-year income has exceeded 4%, and a considerable number of people have begun to form the habit of using "WeChat wallet" to manage money, including Lin Qiang himself. After the boom of Weixin intelligent terminal communication products, "Weixin wallet" set off a new round of craze, even though the users of the wallet are much less than the communication products, but the value of individual users is thousands of times ahead of the latter.

Luo Yongsheng's first shot into the financial industry was fired. The stock price is rising, and now he doesn't have to worry about capital and financing.

Lin Qiang is naturally not a coolie, those products sold through the WeChat platform, but eventually have to flow into Jijing Bank, in just half a year, Jijing Bank's savings increased by 35%, it seems that this proportion may not be large, but in today's struggling banking industry. It is not easy to grow by 5% a year. Even Huang Guangyao of China Commercial Bank, when he announced his half-year financial report, expected an annual growth rate of only 4.3%, which was only about 1/8 of Jijing Bank's half-year growth.

In fact, no matter who it is, cooperating with Luo Yongsheng is basically a sure profit. It's up to whoever has the guts.

On the other hand, it is always risky to be bold, when the yield of a product can steadily surpass that of government bonds. It's time for the people above to make a move.

At first, the China Banking Regulatory Commission, then the Central Bank, then the Ministry of Finance, and even the Ministry of Industry and Information Technology, one by one the documents were pressed, and the people above have found that the rise of the "micro-message wallet" will shake the strength of macroeconomic regulation and control, and will infringe on the interests of the industry in the traditional system.

The soldiers came to block, the water came to cover the earth, Lin Qiang and Luo Yongsheng began to show their powers. Either playing Tai Chi or pretending to be stupid, with the efforts of both interpersonal and public relations, he temporarily withstood this wave of pressure. But further and larger plans had to be put on hold for the time being.

This is the struggle against policy, and it is necessary to constantly and carefully test the bottom line, rather than directly provoking the other side.

Thanks to this partnership, Jijing Bank has survived a reputational crisis.

And Lin Qiang, like a savior, was praised on the altar.

Huang Guangyao once said that he belongs to this era, but under the influence of the mobile Internet, the speed of change of the times has been caught off guard, although Huang Guangyao's entry into the China Commercial Bank has also brought good results, but his light was completely covered by Lin Qiang, because Lin Qiang took another road at all.

Huang Guangyao may be the fastest fierce horse on the continent, but Lin Qiang is already evolving his wings.

Love house and Wu, because Jijing Bank is not listed, its affiliated enterprise Great Wall Group has become the darling of the capital market, although the popularity of the product has not brought much direct impact, but the wind direction of capital is always one step ahead, the Great Wall Group has become the most favored capital chase object in addition to micro-news. After all, the tree of Weixin is too big, but the Great Wall Group may still have space.

Lin Qiang walked forward in the corridor on the third floor of the Great Wall Building, Yue Qianli, Qin Zhengyi, the old and the young were on his left and right, one was a deputy and the other was a secretary.

The group staff in the corridor stopped and bowed.

"Governor Lin."

"Governor Lin."

"Mr. Lin."

Lin Qiang nodded casually.

Now he is valued, needed, admired, and flattered.

Here, no one dared to doubt him or despise him, and he became the savior of the entire group. On the other hand, what he did was too far ahead of his predecessor, and even completely overshadowed Chen Xingyuan's influence. Relying on strength and results, Lin Qiang has gained a firm foothold here, even if he does not rely on Tong Feifei, who is actually in control, his iron fist can also be played.

"Governor Lin......" Yue Qianli leaned behind him and whispered, "this...... Just now I heard someone call you Lin Dong. ”

"Slip of the tongue, the streets are full of directors."

"Hehe, at least it shows that your status is no less than that of a director." Yue Qianli smiled, "Can we plan it......"

"There's no need for that."

Qin Zheng next to him followed and said: "Lin Xing has promised not to participate in the board of directors. ”

"Promise?" Yue Qianli laughed dryly, "Liu Bei promised to revive the Han family, but didn't he become the emperor and set up another country?" Now is the time to go, and there is no time to lose. ”

"You're in too much of a hurry." Qin Zheng frowned, he and Yue Qianli were never very compatible, after all, one was a radical with a lot of ideas, and the other was a conservative, "Lin Xing, this time it's not going to talk about this, right?" ”

"Something else." Lin Qiang smiled and patted the two, "Don't worry, I'm not interested in the board." I don't need to be a director at all. ”

“……”

Even Yue Qianli couldn't guess the meaning of these words.

In the conference room, all people are seated.

First of all, Qin Zheng reported on the financial situation and expectations for the second quarter, which is a routine process.

"Due to policy pressures, we expect product sales growth to slow in the third quarter, as well as savings growth, which we estimate at 6.2%." After Qin Zheng finished his report, he sat down peacefully.

"6.2 is already high. Catch up with the previous annual growth. The young director's attitude was very different from the previous one, and he smiled and applauded, "Since President Lin became the owner, he has seen immediate results, and he has revitalized the bank at once, admire, admire." ”

Several other directors also sent a few words of flattery and encouragement to the current bank. It has become the hope of the group, which is what Chengqiang really wants to see.

The group secretary then got up and said, "So, do you have any questions for the directors?" ”

"No, how could there be?"

"President Lin is very well managed, and there is no need for more questions."

"It mainly depends on whether President Lin has any needs and whether our group can help."

A kind gaze focused on Lin Qiang. In just half a year, it is not what it used to be.

Lin Qiang nodded at Yue Qianli beside him.

Then Yue Qianli got up and picked up the documents of Chen Xingyuan's IPO back then. Talked about the IPO.

If I have to say, the current situation is better than when Chen Xingyuan proposed it, and the popularity of Jijing Bank has surpassed that of the Great Wall Group, and under the influence of countless positives, it is the best time for IPO. Once successful, the capital problem that has plagued this place for a long time will be solved, and if Lin Qiang wants to, he can expand hundreds of business outlets within a year, instead of now, like squeezing toothpaste.

Chen Xingyuan failed that year. It's because of Cheng Qiang's outright opposition.

And now, in the whole group, who still has this power?

Tong Feifei is not easy to say. At least not the directors in this room.

The directors had no reason to raise objections, and in principle they were approved, and the capital operation department cooperated with the bank to carry out follow-up work.

Although the old director sat at the top, he had completely lost control of the board, and even if he wanted to raise an objection, he could not find a suitable reason. Those eyes that had been cast on him gathered on Lin Qiang.

The reality is like this, those people valued themselves back then because they became strong.

And they now attach importance to Lin Qiang because of Tong Feifei and the soon-to-be-born child.

The old director felt that it was time for him to retire.

The situation is not so rosy for Union Bank.

It is true that the investment from Bank of America has made Union Bank very comfortable, but the departure of Qiu Zhizhang, Huang Guangyao and Lin Qiang, the three generations of old, middle-aged and young cadres, and the three layers of cadres at the high school foundation has undoubtedly shaken the competitiveness of talents to a great extent. And those new leaders who were transferred by Ling Nan and assigned by him are mostly career and theoretical people, and they are not much worse than Huang Guangyao in doing things, and many things, even if Zheng Shuai comes to do them, they will be better than them.

With the arrival of a group of cadres headed by Ling Nan, a strong bureaucratic atmosphere permeated the United Bank. With Bank of America's money, they no longer worry about life and death, without Huang Guangyao's spur, they no longer work hard for performance, but instead of bureaucracy.

In addition to these, there is also a tacit fact, that is, the salary of leading executives has been greatly improved, in Qiu Zhizhang's era, it was difficult to press down this figure, Qiu Zhizhang as the head of the bank, the annual income is only about 700,000, Huang Guangyao because of the performance is too outstanding, naturally over one million.

In the second half of the year, the salaries of the executives of Union Bank returned to the level of the Xing Li era, and in only half a year, the money that fell into Ling Nan's pocket exceeded Qiu Zhizhang's income for the whole year, and I don't know what will happen when the year-end bonus is calculated.

Under the influence of a series of events, many of the newly sprouted signs were destroyed.

In the past, many middle-level leaders thought that this was their own business, but now they only think that it is the country's money.

Many senior leaders are relatively self-disciplined and hardworking, because they know that maybe one day they can enter the board of directors or even become the president, but now they are also slacking off, because these are the words of the leaders, and this is officialdom and not a shopping mall.

As far as Ling Nan is concerned, he has been the head of the Municipal Finance Bureau for many years, so the best thing he can do is to spend money, not make money. Since taking over, a number of projects have been launched. Including "corporate self-service machine", "new version of the background system" and other painless, but huge investment. At the same time, Union Bank's investment in advertising and marketing has also increased several times, reaching the limit of the domestic banking industry.

The people at Union Bank are starting to get used to this rhythm.

In July, Zhang Ren resigned and joined Jijing Bank and became the deputy director of the cooperation project between Jijing Bank and Weixin.

He's a lovely guy. The reason for his resignation confided in private made Lin Qiang want to laugh-

"It's going to have to be that expensive and stupid team! Lao Tzu engaged in the construction of suburban outlets for more than half a year, and finally all Party B was replaced by the leader! Furniture, construction, equipment, all of them. Mom changed! Dry chicken feathers!! Besides, if you change Party B, you will change Party B, do the people above dare to discuss it with me? There is no hair, notify me directly! I should also get a rebate, no! Lao Tzu will not engage in engineering projects in his life! Too him. Mom Black! ”

Originally, for people like Zhang Ren, it was not easy to invest in the construction of the business network, and he poured his heart and soul into it, but in the end he was denied by his superiors because of the interests of the project. This is something he can't stand anymore.

After several rounds of recruitment with the policy, in the September school season of the new year, new products were launched.

"Micro loans".

If the previous "micro-profit" and "big-profit" have always been tentative, "micro-loan" is the real big move, maybe Luo Yongsheng is really a genius, maybe he is just good at pirating foreign products one step ahead. In short, this time it is no longer a simple optimization channel, but a real change of channel.

In the traditional financial system, people keep their excess money in banks. The bank then lends money to those who need it, and the circulation of money is realized, and the bank earns the interest rate differential, in which the bank is an indispensable intermediary.

And "micro-loans" have also optimized this intermediary.

Just as eBay and Amazon dominated the wave of e-commerce, Weixin dominated the wave of "e-finance" this time.

On WeChat's financial platform, merchants and individuals can apply for loans, which will be reviewed by Jijing Bank and provide mandatory legal support. When these loans are approved. It will be announced on the platform, and every individual user can see it, and they can choose whether to lend out their money or not.

The purpose of the loan will be stated in the loan plan. Earnings, tenure, etc., are equivalent to a simplified version of a bank loan contract. Users can see all the information clearly and transparently, and then lend out as little as 100 to as much as 100 to hundreds of millions of dollars according to their own conditions. If the loan is overdue and the borrower does not repay the loan, Jijing Bank will be responsible for repaying the loan to the investor, and then Jijing Bank will go through the legal process to forcibly confiscate the mortgaged assets for auction to make up for its own losses.

In this process, Jijing Bank and Weixin will jointly charge a 1% service fee to the borrower, which is completely borne by the lender and is completely free of charge for users.

1%, it seems to be very little, much less than absorbing savings and then lending, more profits received from the user's pocket, and the lender also saved capital, the lowest interest rate for them to borrow from the bank is 6.5%, but it usually reaches 8%, and on the "micro loan" platform, give a 5% interest rate will have users invest money, even if they pay 1% service fee, they still save a lot.

The interests of the bank seem to have been squeezed, and on the surface, Jijing Bank's participation in this matter seems to be a loss.

But in reality?

The bank did lose money, but it was not Jijing Bank.

Just like the previous products, due to the speed of the platform, many merchants and even individuals began to choose this platform for loans, and those who originally took out loans through conventional channels would not change their path so quickly.

The emergence of new channels quickly attracted a large number of users, many people and enterprises at first just had the attitude of trying to apply for loans, but they did not expect that half a day later, the loan manager of Jijing Bank came to review, and a small number of loans that passed the review were immediately on the platform to prepare the amount. In the early days of the platform, it is impossible for so many users to dare to invest money like this, therefore, assuming that the loan information of two million is actually scattered by Jijing Bank and Weixin in the name of individual users, 1.8 million will be invested, and others will see that there are still 200,000 yuan, and they will start to invest some small money to make the 2 million scale loan reached.

For this set, Luo Yongsheng played very skillfully, and all his products relied on this set in the early stage.

Subsequently, those who invested 200,000 found that there was a repayment into their account every month, and the return was stable and high! It's still month-end instead of year-end!!

That's where the core interest lies!

So they ran to tell each other, telling relatives and friends how wise they were, and how easily they earned the bank business!

Lo Wing-sang's marketing strategy was rolled out.

This platform is unique, and there are hundreds of banks.

Lending through traditional channels. Jijing Bank, which fights for interest rate differentials, is one of the hundreds.

And through the WeChat platform, to earn this 1%, Jijing Bank is the only one.

So in the long run, the bank loses, but not Jijing Bank.

And lenders and investors undoubtedly ushered in a win-win situation, and the bank's 5% or so goose plucking became 1%, on the platform. Any loan allows them to get at least 5% annual income, and it can be as high as 8% or even more than 10% for multiple years. Not only that, but according to the loan rules, usually the borrower will repay the loan every month, and if they keep the money in the bank, they will only receive interest after one year......

The first users who were willing to take the risk began to reap the benefits.

But business is not so easy to do, for the 1% service fee. Banks need to invest manpower to review qualifications, take risks, and face a lot of useless labor in the early stages of the project.

To this end, the project team has also expanded to 200 people, working day and night. Lin Qiang had to express his condolences frequently, stay up late and work overtime with them, saying, "Comrades, hold on." You're the master when you do it. Many times, even Luo Yongsheng came to encourage the project team members.

With the encouragement of semi-legends and super-legends, the project team has repeatedly exploded in a high-pressure environment.

But both Lin Qiang and Luo Yongsheng know that it is impossible to go on like this.

It's time to form a joint venture.

There are very few people who can see the future.

"Micro Profit" and "Big Profit" make people from banks and groups sit and count money, and they naturally rely on Lin Qiang, but "Micro Loan" has limited profits in the early stage, and what is even more unbearable is that this product is competing for business with its own bank. And it was robbed at a loss. Within the group, some doubts began to come, and many people thought that Lin Qiang had played big this time.

There is an undercurrent surging within the industry. This time, the product was too much and almost began to shake the very foundation of the industry!

In fact, in recent years, private lending has developed very rapidly, and many people have spontaneously bypassed the bank, although there will be considerable risks, but there will also be a lot of benefits, and more importantly, its convenience, the process of bank loans is too complicated and troublesome.

The "micro-loan" has successfully solved the troubles of this part of the people, more convenient, faster and more efficient, although it will charge 1% service fee, but it is better than being deceived and the boss running away without a return, isn't it?

The original private transaction was mentioned on the bright side, and it was the most popular micro-news in the country, which made the people above unable to sit still anymore, dozens of banks jointly signed with the central bank, demanding to ban this product, and the documents at the top came one after another like war letters, Lin Qiang and Luo Yongsheng began to bear huge pressure.

Although they all know absolutely that this is the trend and this is the future, they are still alone in the face of the strong counterattack of the old forces, they are just businessmen, and there is still a long way to go before the rich can control the political situation.

At the end of the year, Luo Yongsheng and Lin Qiang had a picnic party, and after eating, Hu Su and Wang Wenjun gave up the space, leaving Lin Qiang and Luo Yongsheng to talk about things.

Now the two are not only friends, but also partners, comrades-in-arms, and they are fighting a war that belongs to them and belongs only to them.

The future will have to be like that, it's just a matter of who will do it and when.

"An ultimatum has been given from above." Lin Qiang rubbed himself and lay alone in the sun, his eyes closed, "If we don't stop platform lending, our bank's business license will be revoked." ”

"Hmm." Luo Yongsheng was also lying, but his eyes were open.

"Say something." Lin Qiang said with a smile.

"I don't know......"

"Don't know?" Lin Qiang laughed, "You are Luo Yongsheng, the legendary Luo Yongsheng of this era!" You say you don't know! How can this be explained to the people of the motherland! ”

"That's it...... ......I don't know," Luo Yongsheng smiled bitterly, "I, him. Mom is not a god. ”

No one could have imagined that the two big guys would chat like children.

Luo Yongsheng then said: "Do you know, the concept of micro-messaging was proposed more than ten years ago, and millions of venture capitalists were involved, and they tried to implant communication software into Motorola's system, and finally even succeeded. ”

"Succeeded? Why haven't I heard of it? ”

"Because the company declared bankruptcy." Luo Yongsheng shook his head and smiled, "They were successful, in that era, it was a very innovative and excellent product, but unfortunately, at that time, even the 2G network was a trendy thing, not to mention WiFi, who made it for whom?" ”

“……”

"So, you have to fasten it tightly." Luo Yongsheng gestured, "It's early, there are no conditions, you will definitely fail; If it's late, it'll be someone else's! You're nothing!! ”

"Hey......" Lin Qiang sighed, "Do you want to give up?" ”

"Don't give up." Luo Yongsheng squinted at the sun, he seemed to be angry, telling the sun, I am not afraid of your dazzling eyes, Lao Tzu is staring at you like this.

"If I don't give up, I'm going to lose my job, man."

"We pause." Luo Yongsheng stood up and said, "There are still many imperfections in the current platform, and the process and technology also need to be optimized, so let's give ourselves a little time and give the world a little time." When the opportunity comes, we must be the most prepared. ”

"Will the joint venture continue to operate?"

"Yes, the focus has changed to strategic R&D." Luo Yongsheng looked at Lin Qiang and said, "Are you willing to do it?" If it's too stressful, I can do it myself. ”

"What's the matter?" Lin Qiang got up and high-fived Luo Yongsheng, "Let's talk first, don't interfere with my 40-year-old retirement plan!" ”

"You're laid-back!" Luo Yongsheng scolded, "I'm running for 50!" Don't fight like a guy in his 20s! That's right...... You're simply a guy in your 20s...... I've always forgotten that. ”

"Haha!"

In the midst of laughter, Lin Qiang's mobile phone came with the sound of a letter from a micro-message.

He looked down and exploded in an instant.

"I have to go......" Lin Qiang got up urgently, sweating on his forehead.

"Something happened to the bank?" Luo Yongsheng exclaimed, "It won't really revoke the license, right?" ”

"I didn't ...... Miscellaneous ......" Lin Qiang packed up his things and said, "Tell Wen Jun that I am in a hurry to go back to the bank and help me send her home!" Thanks a lot!!! ”

"Oh......" Luo Yongsheng couldn't figure it out, what could give Lin Qiang such a hurry, the most important thing is that he didn't tell himself yet!!

Lin Qiang drove towards the city at full speed, and only three words were displayed on the mobile phone next to him.

"I'm going to give birth."