I Won a Prize of 100 Million at the Beginning, and I Became a Capital Boss

Chapter 259 The second financial license of the slope system!
In early April, the head of the insurance system was investigated, and Shang Zhongyuan became the number one deputy in the insurance system, temporarily presiding over the work of the insurance system.

The license of Huaxin Consumer Finance under the slope system was approved, and Zheng Qingsong continued to serve as the general manager of Huaxin Consumer Finance Co., Ltd.The Puhai Banking Regulatory Bureau approved the change of the registered principal of Huaxin Consumer Finance from 3 million yuan to 10 billion yuan, and slope investment was the largest shareholder.

Liang Hongxia, the individual shareholder of Huaxin Microfinance, chose to withdraw, and Zheng Wentong used 1000 million to buy 1.5% of the equity held by Liang Hongxia in Huaxin Microfinance.

Zheng Wentong met Liang Hongxia at Slope Investment. After experiencing the turmoil of the past two years, Zheng Wentong found that Liang Hongxia's demeanor was full of fatigue. Perhaps it would be a relief for her to sell her shares earlier.

Liang Hongxia said: "The sale of shares was an idea given to me by Anguo. He hasn't come out yet. He wants me to go home and take care of my two children to study. There is no need to stay in Puhai."

"For those of us ordinary people with no education or background, it is our destiny to return to our roots. After An Guo is released from the detention center, I am ready to remarry him. After all, the children cannot live without their father," Liang Hongxia said.

She encountered her husband's derailment and betrayal, which also allowed Zheng Anguo to leave the house.If Liang Hongxia and Zheng Anguo remarry now, the 1000 million will also be Liang Hongxia's pre-marital property.

Zheng Wentong was not surprised by Liang Hongxia's choice and expressed his understanding. "Anyway, after all, I brought Anguo out to do things. No one wants to see the current situation. If you are another suitable person and want to leave Anguo, I will support it."

"However, if you want to keep the two children in Anguo, the second master can take them with you, and you can take all the money away. I will find someone to help take care of the two children." Zheng Wentong said.

Liang Hongxia shook her head when she heard what Zheng Wentong said, "After all, Anguo and I have been husband and wife for so many years, our love has long since become a family relationship, and I don't want to find another one. Because I don't know whether he likes me or me. money."

"At my age, it's impossible to have another child. Right now, my hope is nothing more than these two children. I have to educate them well for Anguo and not let them go astray."

"If An Guo didn't report Yu Qiao and chose to surrender himself, I'm afraid you wouldn't forgive him. When I went to see him in the detention center last time, he looked good and has been actively reforming. He also persuaded me to remarry, and I know him too. It’s from the heart, I think he’s aged a lot, and I don’t hate him so much all of a sudden.” Liang Hongxia said.

"An Guo and I got together, and it was Sister Yuling who acted as a matchmaker. An Guo didn't read much. He said that your mother introduced him to a good wife. From now on, whenever there is something to do with Uncle Jianjian's family, just call him. He is obliged."

"When he was young, he worked with Uncle Xingjian, and he worked with you the year before last. He bought a house, a car, and plans to send his children to Puhai to study."

"I was really happy at that time. Our An Guo finally made his mark. But after his affair was revealed, I felt at ease. Because according to his character, he will suffer such a time sooner or later. When he comes out, he You can live a peaceful life. An international metropolis like Puhai is not suitable for ordinary people like us to live in." Liang Hongxia.

Zheng Wentong also attended Zhengjiacun Primary School when he was a child. Liang Hongxia was his teacher at that time. At that time, Liang Hongxia taught the first to third grades alone. Because Zheng Wentong and Zheng Anguo were relatives, Liang Hongxia also had a special preference for him. Uncle Zheng Wentong.Zheng Wentong called Liang Hongxia Teacher Liang, and Liang Hongxia jokingly called Zheng Wentong Uncle Wentong when class was over.

"After I go back, I will use this money to start a small business. If there are people who are not open-minded, I will ask my dad to help you deal with it."

After Zheng Wentong finished giving instructions, he hesitated for a moment, and asked Liang Hongxia, "An Guo didn't go to Puhai, and these things wouldn't have happened. Do you blame me for bringing Anguo out?"

Liang Hongxia knew that this was also Zheng Wentong's knot in her heart, "I'm sure I'll be weird at first, but this is An Guo's own problem, and it has nothing to do with you. His appearance and personality are already quite attractive to girls, but after arriving in Puhai, how many do you have in your pocket?" A little money, of course, can't avoid attracting bees and butterflies."

"Not only do I not hate Anguo anymore, I don't even hate Yu Qiao anymore, because without Yu Qiao, there would be Wang Qiao and Li Qiao. Only after he suffered a severe loss can he live an honest life. Character determines destiny." Liang Hongxia concluded.

Does character determine destiny?Zheng Wentong was thoughtful.If Zheng Yaqing had gone to transcribe letters for business as finance back then, she would definitely have kept a distance from Zheng Anguo. If Yu Qiao had gone to the Slope Charity Foundation, she might have fallen on another scumbag.

Zheng Wentong personally sent Liang Hongxia away from Slope Investment. Liang Hongxia asked Zheng Wentong, "I heard that the company is planning to buy a property near Lujiazui?"

Zheng Wentong said: "There are considerations in this regard, but the price has not yet been negotiated."

Liang Hongxia said: "If the company succeeds in buying a property, Mr. Zheng, you boasted that it will be realized. I guess Manager Jiang Nan will also choose to resign, right?"

Zheng Wentong did not deny it, Zheng Wentong knew that Liang Hongxia's guess was right, and Jiang Nan's investment in slopes had been marginalized.

Jiang Nan's career development in slope investment has reached a bottleneck, and Jiang Nan, who has lost Zheng Wentong's trust, has no way to enter the equity incentive list of slope investment.

The reason why Jiang Nan stayed on the slope to invest, and the reason why Zheng Wentong didn't fire Jiang Nan, was nothing more than a habit of thinking.

After Zheng Wentong won the lottery and returned to China, he told Jiang Nan that he would buy a building in Lujiazui in the next five years. At that time, Jiang Nan thought Zheng Wentong was bragging.

At the beginning, the employees of Slope Investment would joke about when the boss will be able to buy a property in Lujiazui. After Slope Investment actually bought a property in Pujiang District opposite Lujiazui, Jiang Nan would have no face to stay in Slope Investment.

On April 4, users of Weitoutiao, Weiyin and Weidu discovered that these three apps had quietly launched the micro-loan business, providing users with cash loans between 12 and 1.

The micro-loan business calculates interest on a daily basis, and repays as you borrow. The daily interest rate ranges from [-] to [-]. Provided by Consumer Finance Co., Ltd.

If the borrowing method of equal principal and interest is adopted, calculated according to the minimum daily interest rate of 7.2/8661.9, the annual interest rate is 10%, the monthly repayment amount is 3942.8 yuan, and the interest of borrowing 10 yuan is 12082.4 yuan. Calculated at [-]/[-] and equal principal and interest, the one-year interest on a loan of [-] yuan is [-] yuan.

The micro-loan business is the same as WeChat’s Weiweidai. It is also an invitation-only business, and it does not just apply to customers.If the customer already has a credit limit, he only needs to add personal information. After the face recognition is passed, the online loan can be realized within 5 minutes.

Zheng Wentong set a loan target of 80 billion yuan for Huaxin Consumer Finance in the next year, and strictly controlled the loan scale.Like Pinduoduo’s Xiaopin business, Huaxin Consumer Finance also solves the problem of funding sources by issuing micro-loan ABS.

Zheng Wentong called Zheng Qingsong and talked to him about the design of the risk control system of Huaxin Consumer Finance.

"If a customer has the repayment method of equal principal and interest and principal after interest at the same time, this customer only adopts the repayment method of principal after interest every time, and repays in one lump sum when the loan is about to mature."

"This shows that the customer's repayment funds are not self-owned, but borrow funds from other channels to repay the loan first, and then lend it out to others, then this kind of customer should consider canceling the repayment method of interest first and principal later." , reduce the borrowing amount to reduce risk.”

"If another customer also has two repayment methods, he only uses the equal principal and interest repayment method each time, which means that he cares more about interest. If the customer's assessment conditions meet the standards, he will increase the customer's credit limit and reduce the daily interest rate. Only in this way can we transfer customers’ loans from other platforms to our platform.” Zheng Wentong said.

"In addition to this, if a customer browses content on Weitoutiao, Weiyin or Weidu, if there is any content related to telecom fraud or online. Electronic version of the credit report to determine whether the customer is a high risk."

"In case a customer borrows a micro-loan loan and is cheated or used for online gambling, the overdue risk of this kind of loan is particularly high, and it is difficult to recover the loss." Zheng Wentong explained.

When Zheng Wentong launched the Weiyin Express version, he has already started to address the problem of user groups. The proportion of users who use the Weiyin app to open a micro-loan line is obviously much higher than that of the users of the Weiyin Express version.

Imagine a customer who is willing to watch videos for a long time in exchange for gold coins and then withdraw cash to the bank card. This kind of customer who cares about a few yuan per day is obviously not the target customer group of micro-credit.

However, the timing of the launch of the micro-loan was very cleverly chosen, and a certain actress was rumored abroad.

Wang Luodan, who is of the same type as her, posted a message in Moments saying: "Spring is here".

Zheng Wentong didn't care about the grievances among the actresses in the entertainment industry. Wang Luodan was naturally the number one beneficiary when the same type of actress terminated the contract.However, Zheng Wentong felt that Lao Han had offended a lot of people this time, which made the capital behind a certain actress very dissatisfied, and Lao Han could only withdraw from the circle this time to ensure safety.
　See you tomorrow, thank you for your monthly and recommendation tickets!

　　
　
(End of this chapter)