The Richest Man Starts From Falling In Love

October 8.

Just after the National Day, Chu Yao went to the magic capital, the headquarters of Zhongxin Bank located in the core area of ​​Lujiazui.

This is the banking business that was just established last year and Han Feng is in charge of it.

Objectively speaking, the development is still relatively poor.

Although the state has opened its authority to private banks, many companies have sprung up like mushrooms in recent years, especially Internet companies. With their deep pockets and their own user base, several companies have emerged with extremely bright profits.

But apart from these darlings, most of them are still in a miserable state.

Scale, capital, authority, reputation, and various regulations are all latecomers, and they have no advantages at all.

At present, Zhongxin Bank's main source of funds still comes from the Meiye platform.

Follow the old path of others.

On the one hand, it provides loan services to suppliers through big data risk control.

On the other hand, it provides small loan services to consumers.

And, some other internal capital transactions also go through this channel.

Money is mainly circulated within the platform.

As for the absorption of public deposits and other businesses, the development is quite limited.

Chu Yao invested 20 billion in this business at the beginning, and now, the whole plate is basically this big.

This is also impossible.

The fat and cakes have been eaten up by the seniors. It is as difficult as heaven to develop, and it is even said that it is basically impossible.

At present, there are not too many people here, and the office building is also rented. It is not so much a bank as it is a larger investment company. It is a little bit shabby, and it doesn't even have a business outlet.

but……

The recruited employees are all quite good-looking.

All young people.

Handsome men and beautiful women.

Chu Yao strolled around,

There was a little dissatisfaction in my heart, but I didn't show it.

Although dissatisfied, this dissatisfaction is also limited.

Because the real environment is like this, Lu De takes every step, and eats every bite. Although Han Feng is a financial veteran, he is not the kind of peerless fierce man who can take the lead in a short time.

office.

Close the door, and the two discuss matters behind closed doors.

...

Mr. Chu came here for the first time. To be honest, I'm still a little nervous. I didn't do my job well. I'm ashamed. I don't have the face to see you.

Han Feng's face was full of shame, and he took the initiative to do self-criticism first.

Although Chu Yao didn't say anything, he had rich experience and could vaguely sense that something was wrong with the atmosphere.

When he came out of his previous position, he was full of confidence, thinking that he could start a big business, but after doing it, he realized that it was not the case at all.

Steering a mature platform and creating a new platform from scratch are almost two completely different things.

Needless to say such things, we are old friends, and you can be regarded as my angel investor. If I didn't have the one billion yuan back then, I wouldn't be able to do what I am doing now.

Chu Yao smiled lightly, reassuring him, paused for a while, but continued to ask: I am here this time to solve your problem. Please tell me the specific situation here first.

Okay, Mr. Chu.

Han Feng nodded.

What we are doing now is actually mainly third-party payment business, and the main service targets are the platform, suppliers, and individual customers of Yingying Meiye. It is still in the accumulation stage. The business process is running smoothly, but the scale Only around five billion.

This part of the business is mainly determined by the scale of the platform and is strongly bound to the platform. As for the personal business, to be honest, with Penguin Pay and Alipay, there is basically no room for our development.

Currently the company's main profit point is the POS machine business and handling fees. Last year, the net profit of this area was 180 million yuan, which is barely a loss. It's a shame. I almost lost money doing a bank.

Chu Yao: ...

Nod.

Signal him to continue.

The main focus of this year is private wealth management and fund business. Our own fund has been established, and the current performance is not bad, with a scale of about 8 billion. We are vigorously developing sales channels and developing high-net-worth users.

However, due to the relatively late start, the preferred platforms for most high-net-worth users are those relatively mature platforms on the market. The current scale is mainly based on my previous accumulation, some cooperation within the industry, and others For those that are difficult to do and have relatively low profit margins, we will do them first and cultivate the team.

Banking sounds high-end, but every family has its own hard-to-read scriptures.

Before Chu Yao came here, he also learned some basic information about the financial industry.

At present, there are 4,608 legal persons in the domestic banking industry, and the number can be said to be quite large.

There are more wolves and less meat.

High-quality business, assets and customer groups have basically been divided up by the previous ones.

want to rise...

Either, there is a more powerful team, or a more advanced profit model.

Or, to open up a new track and battlefield, Internet finance used to be a piece, but now it is completely rotten.

Is there any more?

Chu Yao asked, looking at him quietly.

Han Feng sighed slightly, took a cigarette, and handed it to Chu Yao, who was rejected by a wave of his hand, so he didn't light it himself, just showing a wry smile.

Except for these two, there are no bright spots for the time being. We can only walk slowly. I estimate that it will take at least ten years to accumulate a certain influence.

He seemed quite pessimistic, and even wanted to give up the pick.

Chu Yao looked at him silently, thinking about it in his heart.

Lao Han has obvious advantages and disadvantages.

A professional, with a background in a major, still has the ability, and is loyal enough, with a conservative style, steady, and will not make mistakes.

But maybe it's because of the older age, not enough hunger and thirst, it is true that it lacks wolfishness, and the speed is not fast enough.

These two points are exactly the two styles of the financial industry.

Don't think about all the bottles and jars, let me ask you a question. In theory, if we want to achieve a trillion-level asset scale within five years, what strategy can we have?

Han Feng gasped hissingly, his pupils dilated a little, and looked at Chu Yao with a dull expression, and remained silent for a while.

I didn't know how to answer for a while.

It's really no trick.

Trillion is not a big number for the banking industry as a whole.

Domestically, it is only at the level of the top 30.

It is equivalent to the state-owned joint-stock banks with the worst performance, or local commercial banks located in the middle and upper reaches.

However, even with this asset scale, it is almost impossible to achieve it within five years.

President Chu, I don't have the ability.

Han Feng lowered his head and said in a slightly low tone.

Hearing this, Chu Yao's expression didn't change, he was still smiling.

It's not a question of ability.

Let's talk about objective conditions.

For example, if I give you a futures license, is it more likely?

Han Feng was slightly taken aback.

Subconsciously denied: This is impossible, there are only 161 stores in the country, and the service has been stopped long ago.

Chu Yao: ...

Feeling speechless at his rigidity, he said again: Then how about I give you an insurance license?

Han Feng's eyes lit up immediately.

In the financial industry, licenses are king, and insurance licenses are golden mountains, but the number is also extremely scarce, and there are only 135 licenses.

Five years, 200 billion, definitely can be done.

He thought for a while and said slowly.

Insurance assets have developed rapidly recently, which is a conservative estimate, but licenses are not so easy to obtain, and competition is also great.

When Chu Yao asked this question just now, he hardly thought about it.

Don't expect such a good thing like a pie in the sky at all.

However, Chu Yao's thinking made him think about it.

Could it be that there is some relationship between heaven and earth?

If this is the case, then Chu Yao's sudden visit makes perfect sense.

President Chu, I take back what I just said. In theory, if we can get some policies that we didn't dare to think of before, there is a chance for trillions.

Insurance license, financial leasing license, and financing guarantee license, if you have these three, you can take off small, five hundred billion in five years, no problem.

If there is a comprehensive brokerage license, there will be no problem with trillions. However, this kind has not been issued for 16 years.

For banks, policy is the golden finger.

As long as there is a policy, you can get on the rocket in minutes.

Hearing this, Chu Yao couldn't help but shook his head and smiled: Now I have another idea? I can't guarantee the brokerage license, but the other three licenses should be fine. Wait for the news, at the end of the year at the latest. You should hurry up and make preparations Do it first.

Chu Yao made a guarantee.

It is impossible to want the horse to run without letting the horse graze.

To work for Old Qian by himself, he has to give some sweetness first.

Insurance capital, financial leasing and financing guarantee, although the three licenses are also scarce resources, they are not so scarce. If you work hard, you have a high probability of getting them.

It's nothing more than a price.

As for the brokerage license, let's wait and see.

I don't believe that the lithography machine can't get a license that is almost costless to the country.

Chu Yao's train of thought is this...

If the corresponding core technology is directly realized, it is almost impossible, and it is easy to be labeled as mercenary, which is not conducive to gaining greater support for oneself, and it is easy to spoil the favorability.

Therefore, in this regard, it is about dedication, not about rewards.

However, it is impossible to work in vain.

Compensation from other aspects, such as the financial industry.

As long as it is operated properly, the scale is appropriate, and the operation is good, there is no problem at all.

This is another manifestation of Internet thinking-the wool comes from the dog, and the pig pays the bill.

Okay, Mr. Chu.

Han Feng immediately became excited.

Chu Yao has said so, so he is naturally confident, and the bright future is slowly unfolding in front of his eyes.

What are you waiting for?

Chu Yao smiled: In addition, there is one more thing, you find a team, focus on helping me research the two companies, and give an analysis report as detailed as possible.

The first company is Deutsche Bank.

The second company is Aozora Bank.

Of these two companies, the former's name needless to say, Chu Yao plans to use it as a springboard and a partner.

As for the second bank, it is a local bank in the island country, which was previously owned by Softbank Group, and its shareholding ratio is quite high.

Intelligence work is still relatively important, but I don't have that much energy for the time being.

Okay, Mr. Chu. When do you want it?

Han Feng glanced at Chu Yao, feeling a little unfathomable quietly in his heart for a while, and nodded in agreement.

There was a hammer here and a club there, like the horns of an antelope, with no trace to be found, making it impossible for people to guess his train of thought.

However, it sounds like there must be some action.

A month at most, but as soon as possible.

...

After chatting with Han Feng, after Chu Yao returned to the hotel, the storm in his mind still did not stop.

The brain is running with high power.

R \u0026 D.

finance.

Domestic and foreign.

Asset mergers and acquisitions.

Some elements are fully gathered in the mind, arranged and combined, from points to lines, and then to nets.

There are many cards that can be played, and there are also big cards, but if you want to play this deck well, you still need careful planning and step by step.

While thinking, Chu Yao sketched on the paper.

Softbank is a large-scale investment group, but its key business is only a few dollars.

The main investment businesses of this investment group include:

Yahoo and Alibaba, needless to say.

For TV Asahi, this doesn't mean much, so I don't even think about it.

Vodafone's island country business and sprint, both of which are in the communications industry, are deeply dependent on the local market and have little value to themselves.

What I can get my hands on, and what I like now, is only two yuan.

The first piece is Aozora Bank. If there is a foreign bank in hand, there will be much more room for maneuvering in various aspects.

The return on assets is only second, and the most important thing is the channel of funds, which must be firmly in your own hands.

This thing is equivalent to the three caves of the cunning rabbit.

If you want to play big, you have to make a good shell first.

The second piece is arm, a North American company that is a giant in the global semiconductor field and has a high status in the chip industry.

Softbank invested a lot five years ago, and currently accounts for about 20% of the shares, and has a seat on the board of directors.

This part can also be planned by oneself.

The chip is really tempting. If I can gnaw off this hard bone, I will be able to sit back and relax for the rest of my life.

...

After thinking about it all afternoon, the basic context is almost straightened out, but some key details still need to wait for the time to move.

Chu Yao received a call from Liu Fei, saying that Huayin Xinle had made arrangements.

The meeting is scheduled for the 15th, and the place is Xiangjiang.

This date was pushed a bit late. After a full week, the efficiency is really low.

However, Chu Yao just complained in his heart. For the first time to cooperate, the other party probably needs various trade-offs and guesses, and it is very likely that he will check himself.

so be it.

Let's get in touch first. As for what the negotiation will be, there is no way to determine it now. We can only do our best and take the first step.

...

Everything is done.

After Chu Yao finished his work today, he went straight down to the seventh floor and went to the hotel's spa to prepare for today's happiness.

——Tick the bar to listen to the music.

Oh no, spa massage.

After a long period of high-intensity mental work, it is really an incomparable enjoyment to find a warm place to relax and relax comfortably.

...

...

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