I'm reborn and I'm an international student again?

"Chen Xi, what's going on here? I don't quite understand." Zhao Lingshan asked in a low voice. Although she was a good student in school, this kind of thing could only be understood by experienced people in finance.
"What was just said above has its pros and cons, but the people who benefit from it are... By the way, Feng Yun just asked me to say a few words on the stage, and Brother Feng also asked me to say a few words... Let's see what Feng Yun has to say first." Chen Xi's explanation was unclear, which made Zhao Lingshan even more curious.

Soon, the bank staff finished speaking, and the next to come on stage were the CEOs of various well-known companies.

These people come up to please the institutions and other departments, flatter them and praise them for the wise decisions they have made.

As the boss of Aba Aba, Feng Yun is currently a well-known figure on the Internet, even more famous than some celebrities.

Feng Yun stood up, walked to Chen Xi, then gave him a look, made a gesture, and then strode forward.

As soon as he went on stage, all major media outlets turned their cameras to the stage.

"Hello everyone, I'm Feng Yun... Today's conference is about financial reform. Just now, leaders and CEOs from different industries talked about the new regulations that will be introduced. Let me also talk about my opinion... This is not just my opinion, but the idea of ​​many entrepreneurs. There are many problems in the current financing process. Everyone knows it, but they dare not say it, so let me say it..." Feng Yun opened his mouth with a bang and dared to raise a "problem", which made many CEOs touch their chins with interest.

"Oh, I've reminded him before, why couldn't Old Feng help himself?" The man who had been trying to persuade Feng Yun at the door pretended to be regretful.

"Hey, are you still worried about him? He is the most talkative among us bosses. If you go up there, you probably won't be able to utter a few words for a long time." The person next to him teased.

Feng Yun looked at the audience.

To be honest, he was still a little nervous, but he had already said what he had said before, so he could only bite the bullet and continue: "The current financing method and process have big problems. We entrepreneurs now have companies with hundreds of millions of dollars, and the bosses are worth countless. But why is it so difficult to 'borrow' money? I went to the bank to borrow money when I started my business, but at that time I didn't have anything valuable to pledge, so the loan was naturally not approved. I have nothing to say about this. But now I am a boss worth hundreds of millions, and it is still so difficult for me to raise funds. I guess the bosses sitting here have encountered the same situation. The current financing cost is too high. One hundred million actually needs to pay a service fee of one to three points, and some are even as high as more than ten points. If I get one billion, I will have to give one hundred million to others for nothing. Let me ask, what kind of business do I need to do to make up for the lost money?"

Feng Yun's words made the people in the organization look unhappy. This kind of thing had already become an unwritten rule, but Feng Yun actually said it in front of so many people, which was simply a slap in their faces.

Why is this?
First of all, we need to talk about why the bosses of major companies like to set up their headquarters in a place like Huajing.

That's because this is a special city. Although the Magic City is known as the city with the best comprehensive economy in China, it is in a sense completely incomparable to Huajing. In Huajing, there are many things that cannot be done in the Magic City, but can be done here.

Let’s talk about the issue of financing.

As we all know, there are many cities in the country, and there are basically financial companies in every city.

Enterprises need funds, and the first place they go for loans is the bank. If they are not approved, their second choice is to find other financial companies.

Then the problem arises, not all financial companies can meet the needs of every business.

Suppose a certain enterprise needs 100 million yuan, but the financial company thinks the risk is too great or does not have that much money on hand, what should it do?
Then a manager or CEO of the company will send the specific details of the financing to Huajing.

Therefore, financing projects across the country basically converge on Huajing. This is one of the reasons why Chen Xi receives so many project plans in his mailbox every day.

The CEOs of these financial companies across the country go to great lengths to help those companies raise funds just to get a share of the service fees.

If Huajing’s financial company can’t do it, he will go find someone who can.

You can imagine the cost of having so many relationships.

However, the final destination of these funds is often banks.

After listening to this, Chen Xi also began to sweat on his forehead.

What does Feng Yun want to do? He must have offended countless people with these few words.

You have to know that the intermediary service fees for helping companies to raise funds, if a company completes a few orders every year, it can earn hundreds of millions. Even if it distributes it to others, there will still be hundreds of millions of dollars in the account. It is simply a highly profitable industry.

Chen Xi had come into contact with this business when he first arrived at Huajing, and he was quite familiar with it. The loan assistance companies that later spread all over the country were a mini version of one of the businesses of this investment company.

Many entrepreneurs present at the event have suffered greatly from this, and their debts are increasing.

The big bosses that ordinary people see on the Internet seem to be very glamorous on the surface and worth billions, but in fact they have great difficulties in raising funds.

Ordinary people think that banks only lend money to rich people, not to poor people. However, they don’t know that rich people have to pay a huge price to borrow money, and they can only do high-profit business to offset the intermediary service and interest.

As for why what Feng Yun said made the bank people look unhappy, it was because financial companies and banks were in the same boat when it came to financing.

The bank will first use the excuse that the enterprise loan does not meet the standards, and then collect commissions through financial companies before lending to the enterprise. Or two financial companies will cooperate to raise the cost of financing.

In the end, the ones who pay the bill are the bosses who want to raise funds, while banks and financial companies are just thinking about how much money they can make, so they raise their service fees crazily.

You know, some large companies spend hundreds of millions, billions, or even tens of billions of dollars on certain projects. They need to find several financial companies to get the money, and each company has a different service fee. Often, if they are short of a little money, the boss will grit his teeth and give a service fee of more than ten points. It's pitiful to think about it.

This was one of the reasons why the Xu family went bankrupt, which also led him to feel that he would definitely not be able to pay back the money, so he began to spend lavishly, choosing to live one day at a time.

However, this situation is common everywhere. Think about Smith from ANZ in Australia. Didn’t he also take Chen Xi’s service fee before choosing to lend money? The only difference is that there is no intermediary link.

"Fuck, this guy is crazy, how dare he say anything."

"It's so satisfying. I've been unhappy with the current financing costs for a long time. The fees are getting higher every year. Who the hell can stand this?"

"Although I usually find Feng Yun annoying, he just said what was in my heart."

The CEOs in the audience were talking to each other in low voices.

"Damn it, this guy wants to destroy our jobs."

"He just got so much money from us, but now he's turning his back on us?" "Banks are not allowed to lend him money in the future."

"Yes, that's right, he is simply an ungrateful person."

The faces of several bank CEOs were livid.

You know, these things are not in compliance with the regulations, but they are all tacitly allowed by the bank. Now that such shameful things are suddenly brought to the table, anyone would be scared and angry.

If this is not done well, all the bank bosses will be laid off.

Feng Yun looked at the bank executives who were cursing, and he secretly wiped the sweat off his head and said, "I haven't finished speaking yet, don't be nervous. There are many small businesses that are short of funds, or have difficulties in their daily lives. Some of them are not easy to ask relatives and friends to borrow these small amounts of money. So what should we do? Since the launch of Alipay by Aba Aba Group, it has only been a payment tool for our e-commerce platform. After being spun off from the e-commerce platform and operated independently, it has added life functions, and the number of users has increased rapidly. Now it has reached a certain scale. Now our Alipay plans to launch a new consumer credit product..."

Chen Xi sat in his seat and listened silently. Feng Yun did not say the name of this consumer credit product, but he knew that it was the famous flower in his previous life.

In the past, Chen Xi often saw some idiots on the Internet thanking Feng Yun for lending them money, saying that the bank would not lend them money, but Huaba would not despise them for being poor.

These people never thought about why they were poor, but instead thanked others for lending them money at high interest rates. So, there is a reason why people are poor. First of all, the cause and effect relationship has not been clarified.

Feng Yun continued speaking on the stage. He separated his consumer credit products from the bank's products, fully demonstrating his eloquent ability.

In itself, his Huaba is similar to credit cards and consumer loans, but with Feng Yun’s explanation, people actually feel that it is something completely different and reasonable.

"What I just said may have caused some bank bosses to misunderstand. Next, I will explain in detail that we, Aba Aba, are definitely not competing with banks for business, but cooperating with you. Everyone knows that Aba Aba's main business is e-commerce, and we are currently the leader in the e-commerce industry. This is all due to our business model, which is small profits but quick turnover. Since this model is so successful, why can't we apply it to the financial industry? You know, banks have requirements for lending, which leads to a small number of customers, and not everyone is willing to go to the bank for loans. Some people don't like those cumbersome procedures. So... our new products can perfectly match with banks, save customers the cumbersome borrowing process, and quickly connect with banks..."

Feng Yun didn't say it directly, but everyone understood.

That is to take the bank's money and lend it to others. As long as there are more users of Huaba, the bank will be the ultimate beneficiary.

This made the bank executives, who had just looked unhappy, discuss the matter privately with great interest.

Isn't this model what Feng Yun said about small profits but quick turnover? The only difference is that this "small profits" is for banks. Feng Yun can borrow money from banks and ask for low interest. However, when he lends money to the lower class, it is not a small profit.

What Feng Yun said is different from traditional private lending companies and online loans. Huaba is hovering between passing the line and not passing the line, which is the so-called "formal". The most important thing is the large volume. With the number of users of Aba Aba, this is a terrifying number of borrowers. The executives of those banks are excited just thinking about it.

"Heh." Feng Jialun and Rogers chuckled, seeming a little disdainful.

Both of them looked down upon this method of making money.

From this moment on, Feng Yun, the boss, has been deprived of the title of an outstanding entrepreneur in Feng Jialun's mind.

"This guy is really good at talking. Didn't you say he wanted to trick you? What are you going to do?" Zhao Lingshan looked at the man who was talking on the stage and asked Chen Xi in a low voice.

"Haha, he just tried to persuade me to go on stage and speak, so I'll go up and give him a big gift." Chen Xi replied in a mean way.

His words immediately caught the attention of Feng Jialun next to him.

"Hey, what do you want to say? Are you going to go on stage and say it later? Weren't you reluctant to go up before?"

"Brother Feng, I'm really afraid of causing trouble for you. I want to speak on the credit issue. Do you dare to let me speak? I'm speaking on behalf of Huakai Capital. Aren't you worried that the people at the bank will embarrass you in the future?"

"Haha, someone from the bank? You think too much. I brought you here today just to see how brave you are. I can't say anything, but someone must go and say it. You don't have to worry about Hua Kai's affairs. It is more powerful than you think. From the looks of you, it seems that you are also ready to deal with Feng Yun."

"This guy treated me like a child. He was just brainwashing me. But what he said really made my blood boil. I have to say that he is a great speaker. If this happened in ancient times, he would definitely have founded a sect..."

"Oh? You look so confident. Have you figured out a way to fight back against him?"

"How can this be considered a counterattack? This is a contribution to society..."

Chen Xi raised the corner of his mouth and winked at Feng Jialun.

Feng Yun cautiously glanced at the bank executives not far away, and seeing that their attitudes were not as aggressive as before, he secretly breathed a sigh of relief and felt complacent with his eloquence in his heart.

He had long been annoyed with those bank people. Today, he not only played a trick on them, but also made them choose to continue cooperating with him, and he could also promote his new products. It was really killing three birds with one stone.

Many of the "tech" bigwigs present looked as ugly as if they had eaten shit.

Is this still available?

The lending business across the country will be monopolized by Feng Yun and the banks in the future. What will they do? The loan platform that they built with great effort will become a bubble in the future.

"Fuck him, I just invested hundreds of millions and set up a loan on Borrow Money, and now I'm done for."

"Damn, I just set up dozens of financial lending companies..."

"Fuck, Feng Yun's move is really vicious. He knows that our number of users is not as large as his, so he monopolizes the market as soon as possible..."

"He has the best mouth in the world... He can even say black is white..."

These CEOs no longer cared about the big deal and started to curse. (End of this chapter)