Winning the new financial era

Chapter 231

Zhang Yida sorted out his language and decided to have a showdown with Guo Huiqi.

Looking at Guo Huiqi who looked at him with "bad intentions", he said: "I think Jincheng Consumer Finance now needs a strong shareholder to join in and lead them out of the quagmire.

Both Ruixiang and Yimin Wangjin have superb financial technology and Internet financial product operation capabilities.

What is Jincheng Xiaojin mainly doing now?Housing second mortgage loan.

This business cannot be said to be bad, but it is difficult to expand the scale.But also to face the competition of major banks.

Compared with banks that can freely absorb deposits, licensed consumer finance has many restrictions, and there is no advantage in capital costs.

Therefore, even if it is a relatively safe loan with collateral such as the second mortgage of the house, Jincheng Xiaojin is also a subprime loan that the bank does not want. "

Guo Huiqi smiled and said, "According to Mr. Zhang, Jincheng Consumer Finance should accept you as new shareholders and lead the company to a new level?"

"It's better to stand still and wait for death." Zhang Yida looked up at the dazzling chandelier above his head, and said slowly:

"Jincheng Consumer Finance has been relying on Rongcheng Bank to do a little business in Sichuan, and it doesn't even have the courage to go out.

Home Credit, which was established at the same time as him, and Bank of Beijing Consumer Finance, have long been aggressively staking land across the country.

Industrial Consumer Finance, China Post Consumer Finance, Bank of China Consumer Finance, and China Merchants Union Consumer Finance, which were established later than him, are also recruiting heavily, eyeing the consumer finance market.

The consumer finance market is an attractive big cake. The four big banks, joint-stock banks, industrial companies, foreign banks...everyone wants to get a piece of it.

In this world of great controversy, Jincheng Xiaojin's conservative operation is like slow suicide. "

Guo Huiqi took a sip from the goblet of red wine on the table and said, "Hong Leong Group only holds 49% of the shares in Jincheng Consumer Finance, and the other 51% is in the hands of Rongcheng Bank.

The matter of buying a share is very big, we can't be the master, and we need to negotiate with Rongcheng Bank. "

"Miss Guo, you are being modest, Hong Leong Group also holds nearly 18% of the shares of Rongcheng Bank, which is equivalent to indirectly holding 9% of the shares of Jincheng Consumer Finance.

After all, you are the largest shareholder of Jincheng Consumer Finance! "

Zhang Yida is very aware of Hong Leong Group's influence in Rongcheng Bank. Compared with the largest shareholder, Rongcheng State-owned Assets Supervision and Administration Commission, the shareholding ratio is only 0.07% less than the other party.

In Zhang Yida's mind, as long as Hong Leong Group nods, the matter of becoming a shareholder of Jincheng Xiaojin is almost inseparable.

Seeing Zhang Yida's eyes full of hope, Guo Huiqi rolled her eyes and said, "Well, this doesn't mean that we can't discuss it."

Zhang Yida leaned forward, ready to listen to Guo Huiqi's offer.

"The key depends on what kind of conditions you Ruixiang or Yimin Wangjin can offer."

"condition?"

Zhang Yida smiled and shook his head, this young lady even negotiated terms with him.In my previous life, I remember that in 18, Jincheng Consumer Finance increased its capital and shares, and Hong Leong Group transferred a lot of shares to Chow Tai Fook.

Compared with the share transfer price in 2010 when it was first established, the value was 9% off.

It has been in operation for more than 8 years, and it still has a consumer finance license that enjoys a market premium, but the transfer of shares actually made a loss.

It is conceivable how bad Jincheng Consumer Finance is operating.

"Miss Guo, you should go and learn about the specific operation of Jincheng Xiaojin first!
After understanding, it is not too late for us to discuss the conditions. "

Regarding the investment in Jincheng Xiaojin, Zhang Yida wanted to enter as a savior, but he didn't want to be taken advantage of.

"That's fine. I don't know much about the specific operation of Jincheng Consumer Finance. Let's talk about it after I understand it!" Guo Huiqi replied.

"Mr. Zhang, what are you talking about with my cousin? It's such a happy chat."

Guo Yisheng went back and forth, and walked over slowly with two men.

"Second brother, we didn't talk about anything, we mainly talked about each other's views on the Internet finance industry."

Before Zhang Yida could reply, Guo Huiqi answered first.

Zhang Yida guessed that there were a lot of bullshit going on in the big family, and it wasn't necessarily as harmonious as it seemed on the surface.Seeing that Guo Huiqi didn't mention Jincheng Xiaojin, she immediately nodded and said:
"Yes, Ms. Guo is both intelligent and beautiful, and the many opinions she puts forward are refreshing!"

Guo Huiqi glanced at Zhang Yida and said nothing.

"Internet finance! This is really hot. My family recently established a P2P company in Indonesia - Danamas.

I heard that Mr. Zhang's Yimin Wangjin also established a joint venture P2P company in Indonesia - Yimin bank.

Yimin Wangjin is a listed company on NASDAQ, with abundant capital and mature technology, which puts a lot of pressure on our start-ups! "

The one who spoke was Huang Xiwen, about [-] years old, the third generation successor of Indonesia's Jinguang Group, and the grandson of Huang Yicong, a wealthy Chinese man.

"Haha. Mr. Huang was joking. With the support of your Jinguang Group, no matter how small a start-up is, it will have a chance to grow into a towering tree."

Zhang Yida also has some understanding of the strength of the Jinguang Group.Its business mainly focuses on four core industries: pulp and paper industry, agriculture and food industry, financial industry and real estate industry.It has 15 employees and assets of more than 200 billion US dollars.

In particular, the paper industry is one of the top ten paper industries in the world.They also own the three household paper brands of Qingfeng, Zhenzhen and Weijieya in China.

A 28-year-old man standing next to Huang Xiwen said: "Mr. Zhang, your RPay has developed rapidly in Indonesia over the past six months! You can use your RPay for taxis, online shopping, and hotel travel."

"Mr. Li won the award, and it was thanks to the blessings of the other three shareholders that he managed to gain a firm foothold in Indonesia."

Zhang Yida behaved very modestly. The man he was talking to was Li Chuan, the grandson of Indonesian money king Li Wenzheng.

Lippo Group started out in the banking industry, and there are many banks.

Indonesian Commercial Bank, Bank of Central Asia, BNP Lippo Bank, Lippo Financial Australia, California Lippo Bank, Hong Kong Chinese Bank, Donghai Lippo Bank and other banks are all owned by them.

The first generation of Chinese chaebols generally started in the industry and processing industry. After the second generation took over the business, the outstanding ones made their business in China.

Now it's time for the third generation to take over. After graduating from famous business schools in Europe and the United States, the rich three generations have basically turned their attention to the "new economy".

For example, the Li Chuan in front of him can be regarded as the best third-generation Indonesian Chinese family in the previous life.

He founded the e-commerce website MatahariMall, the electronic payment wallet OVO, and also cooperated with Leech Financial Services...

"Mr. Zhang is humble. In terms of mobile payment, Ruixiang Group is indeed a world-leading company."

Li Chuan praised him, and said: "A few months ago, I built an e-commerce website MatahariMall, which mainly sells mobile phones, clothing, department stores, etc.

But I feel that it is a bit late to enter the market. E-commerce companies like Tokopedia and Bukalapak have grown up, and each has received several rounds of financing, which is very difficult to deal with. "

Zhang Yida said with a smile: "After all, the Indonesian e-commerce market has just grown up, and there are still various opportunities."

Li Chuan shook his head and said with a smile: "Mr. Zhang still has vision. I heard that you invested in several Internet companies in Indonesia last year, including Bukalapak and Tokopedia, right?"

"Yes." Zhang Yida nodded and said, "I am very optimistic about these two companies."

"We, the Jinguang Group, set up a venture capital company - SMDV in 14, which has been focusing on investment in new economic fields.

If Mr. Zhang is interested, SMDV is very willing to carry out some cooperation with Ruixiang Group. "

Huang Xiwen's words were sincere, and he also saw Ruixiang's great achievements, so he wanted to form an alliance with him.

"That would be the best! Ruixiang Group has been initiating the establishment of an industry fund. If SMDV is interested, it can be our LP and participate in our third phase of the industry fund."

Zhang Yida also attaches great importance to the local energy of these Chinese chaebols. If he wants to make a fortune in Southeast Asia, it is essential to bring these people to play.

As the first P2P company in Indonesia to obtain a license, Danamas, a subsidiary of the Jinguang Group in the previous life, knew the power of the other party.

Huang Xiwen is very happy. Ruixiang Group has won many unicorns in Southeast Asia. Its investment vision can be seen. It would be great to be able to take this ride to make money.

"Can our Lippo Group participate in one?" Li Chuan interjected.

"Haha!" Zhang Yida said, "That's very welcome!"

"Our RPay is a very good project. Are Mr. Li and Mr. Huang interested in participating in the investment?"

Zhang Yida threw out the first bait, preparing to tie the two Indonesian local Chinese chaebols to the chariot.

Especially for Li Chuan, the OVO e-wallet launched by the former Lippo Group has become the life and death enemy of GoPay under GoJek, similar to the hostile relationship between Alipay and WeChat Pay in China.

Now, Ruixiang has taken over the banner of GoPay, and he doesn't want another OVO and RPay to fight to the death.

Li Chuan's eyes lit up. E-wallet is also an entrepreneurial field that he is very optimistic about, and he is planning to enter this field to make a big difference.

But now Zhang Yida threw out an olive branch to him again, which made him hesitate, and asked Zhang Yida: "How much share can you release?"

"Ruixiang must occupy a controlling position, otherwise our complete system products in China cannot be transplanted."

Zhang Yida first said in a non-negotiable tone, and saw that the faces of the two were as usual, and then continued:
"The specific release of shares requires me to go to Indonesia and discuss with the other three major shareholders."

Huang Xiwen pondered for a moment, and said, "Mr. Zhang, if we allow both of us to invest in RPay, we won't let everyone suffer.

All properties under our two companies, including hotels and shopping malls, can cooperate with RPay to help RPay establish itself as the largest payment company in Indonesia. "

Li Chuan also said: "Ruixiang provides advanced technology and models, and our two companies can also provide offline application scenarios. Everyone can gather firewood to make a fire, and let's make this cake bigger together."

"That's fine, then it's settled. Two days later, I'm going to Indonesia for inspection, and we can talk about it in detail."

Both Huang Xiwen and Li Chuan nodded in agreement.

(End of this chapter)