The Richest Man Starts From Falling In Love - Chapter 583

October 8.

Just after the National Day, Chu Yao went to the Magic City, the headquarters of Utrust Bank in the core area of ​​Lujiazui.

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

Objectively speaking, the development is still relatively poor.

Although the state has opened up its authority to private banks, many companies have sprung up in recent years, especially Internet companies. With their wealth and their own user base, several companies have appeared extremely profitable.

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

Scale, capital, authority, reputation, and various regulations are all latecomers, and there is no advantage at all.

At present, the main source of funds for UTS Bank is still from the Bibi Meiye platform.

It is the old path of others.

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

On the other hand, it provides consumers with micro-lending services.

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

Money is mainly circulated within the platform.

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

Chu Yao originally invested 20 billion in this business, and now, the entire plate is basically that big when added up.

There is no alternative.

The fat and cakes have been eaten up by the seniors, and it is difficult to develop, or even basically impossible.

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

but…

The recruited employees have pretty good looks.

All young people.

Good-looking man and beautiful girl.

Chu Yao strolled around, slightly dissatisfied in his heart, but did not show it.

Although dissatisfaction, this kind of dissatisfaction is also limited.

Because the reality is like this, Ruo has to come step by step and eat one bite at a time. Although Han Feng is a financial veteran, he is not the kind of peerless fierce who can lead in a short period of time.

office.

The door was closed, and the two discussed matters behind closed doors.

…

“President Chu came here for the first time. To be honest, I’m still a little nervous. I didn’t do my job well. I was embarrassed to see you.”

Han Feng’s face was ashamed, and he took the initiative to conduct self-examination first.

Although Chu Yao didn’t say anything, he was experienced and could vaguely feel that the atmosphere was not right.

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

To be at the helm of a mature platform and to develop a new platform from scratch are almost two completely different things.

“Needless to say, we are old friends, and you can be regarded as my angel investor. If I didn’t have that billion, I couldn’t do what I am now.”

Chu Yao smiled faintly, relieved him, paused, but continued to ask: “I’m here this time to solve the problem for you. You can talk about the specific situation here first.”

“Okay, President Chu.”

Han Feng nodded.

“What we are doing now is actually mainly the third-party payment business. The main service targets are the platforms, suppliers, and individual customers of the beauty industry. It is still in the accumulation stage. The business processes are all running through, but the scale Only about five billion.”

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

“At present, the company’s main profit point is the POS machine business and handling fees. Last year this piece of net profit was 180 million yuan, which is barely a loss. It is ashamed. The bank was almost at a loss.”

Chu Yao:…

Nod.

Motioned 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 good, with a scale of around 8 billion. We are vigorously developing sales channels and developing high-net-worth users.”

“However, because of the 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 If it’s difficult to do, and the profit margin is relatively low, we will do it first and train the team.”

The bank sounds tall, but every family has hard-to-read scriptures.

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

At present, there are 4608 legal persons in domestic banking institutions, 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, open up a new track, battlefield, Internet finance was once a piece, but now it is completely bad.

“Anything else?”

Chu Yao asked, looking at him quietly.

Han Feng sighed slightly, took a cigarette, and handed it to Chu Yao, but was waved to refuse, so he didn’t point himself, just showed a wry smile.

“Apart from these two, there are no bright spots for the time being. I can only go slowly. I estimate that it will take at least ten years before it is possible to accumulate a certain amount of influence.”

He looked quite pessimistic, and even a little bit like to be a pick.

Chu Yao looked at him silently, calculating in his heart.

Old Han, the advantages and disadvantages are obvious.

Professionals, backgrounds in majors, still have the ability, and are loyal enough, the style is conservative, stable, and will not make mistakes.

But maybe it’s because of his age, not enough hunger and thirst, but it is because of lack of wolfishness and not fast enough.

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

“Without considering all the bottles and cans, I will ask you a question. In theory, if we want to achieve a trillion-level asset scale in five years, what strategy can we have?”

Han Feng took a sigh of relief, his pupils dilated a little, and his face was slightly dull looking at Chu Yao, and he was silent for a while.

I don’t know how to answer for a while.

It’s really useless.

Trillions are not very large numbers for the entire banking industry.

Domestically, it is only in the top 30.

It is equivalent to the worst-performing state-owned joint-stock bank, or a local commercial bank located in the upper middle and upper reaches of the bank.

However, even with this size of assets, it is almost impossible to achieve within five years.

“Mr. Chu, I don’t have this ability.”

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

Hearing this, Chu Yao’s expression did not change, he was still smiling.

“It’s not a question of ability.”

“Let’s just talk about objective conditions.”

“For example, if I give you a futures license, will it be more likely?”

Han Feng was slightly shocked.

Subconsciously denied: “This is impossible. There are only 161 in the country, and the distribution has long since stopped.”

Chu Yao:…

Feeling speechless at his “rigidity”, he said, “Then I will give you an insurance license?”

Han Feng’s eyes suddenly brightened.

In the financial industry, licenses are king, and insurance licenses are all Jinshan, but the number is also extremely scarce, with only 135.

“Five years, 200 billion, absolutely can do it.”

He thought for a while and said slowly.

Insurance assets have developed rapidly recently. This 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 this kind of pie-in-the-sky good thing at all.

However, Chu Yao’s thoughts made him feel imaginative.

Could it be, what kind of relationship is there?

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

“Mr. Chu, I take back what I just said. In theory, if we can get some policies that we didn’t dare to think about before, then trillions have a chance.”

“Insurance licenses, financial leasing licenses, and financing guarantee licenses. If you have these three, then take off. Five hundred billion in five years, no problem.”

“If there is a comprehensive brokerage license, there will be no problem at all. However, this type has not been issued for 16 years.”

For banks, policy is a golden finger.

As long as there is a policy, get on the Rockets every minute.

Hearing this, Chu Yao couldn’t help but shook his head and smiled: “Now I have ideas again? I can’t guarantee the broker license, but the other three should be no problem. Wait for the news, at the end of the year. You as soon as possible, preparatory work Do it first.”

Chu Yao made a package ticket.

It is impossible to want horses to run without letting them eat grass.

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

Although the three licenses of insurance capital, financial leasing and financing guarantee are also scarce resources, they are not so scarce yet. Working hard, there is a high probability that they will be obtained.

It’s nothing more than a price.

As for the brokerage license, then look at it again.

Do not believe that the lithography machine cannot be exchanged for a license that is almost costless to the country.

Chu Yao’s thinking is like this…

Corresponding core technology, if it is directly realized, it is almost impossible, and it is easy to be labeled as profiteering, which is not conducive to gaining greater support for oneself, and it is also easy to corrupt favorability.

Therefore, in this respect, we talk about dedication, not about rewards.

However, it is impossible for him to work in vain.

Compensation from other aspects, such as the financial industry.

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

This is another manifestation of Internet thinking-wool comes out of dogs and pigs pay for it.

“Okay, President Chu.”

Han Feng immediately became excited.

Chu Yao had said so, it was of course very confident, and the bright prospects were slowly spreading out in front of his eyes.

What are you waiting for?

Chu Yao smiled and said: “In addition, there is one more thing. You can find a team to help me study the two companies and give me a detailed analysis report as much as possible.”

“The first company was Deutsche Bank.”

“The second company is Aozora Bank.”

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

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

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

“Okay, President Chu. When do you want it?”

Han Feng glanced at Chu Yao, and for a while, he felt a little “unfathomable” in his heart, and quickly nodded in agreement.

This one with a hammer from the east to the west, like an antelope hanging horns, without a trace, making it impossible for people to guess his thoughts.

But, it sounds like something must be done.

“At most one month, but as soon as possible.”

…

After talking with Han Feng, after Chu Yao returned to the hotel, the storm in his mind still didn’t stop.

The brain is running with great power.

R & D.

finance.

Domestic and foreign.

Asset mergers and acquisitions.

Some elements are fully assembled in the mind, arranged and combined, from a point to a line, and then to a net.

There are a lot of cards that can be played, and there are also big cards, but if you want to play this deck of cards, you still need to plan carefully and step by step.

While thinking about it, Chu Yao sketched on the paper.

Softbank is a large-scale investment group, but only a few key businesses.

This investment group’s main investment businesses include:

Yahoo and Alibaba, it goes without saying.

TV Asahi, this is not very meaningful, I don’t even think about it.

Vodafone Island Country Business and Sprint, both of which are in the communications industry, are deeply dependent on the local market and are of little value to themselves.

What I can get involved, and what I am fond of now, is only two dollars.

The first piece is Aozora Bank. If there is a foreign bank in hand, there will be a lot of room for change in all aspects.

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

This thing is equivalent to Three Caves of the Cunning Rabbit.

To play the big one, you have to make the shell first.

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

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

This part can also be planned by oneself.

The chip is really tempting. If you can gnaw off this hard bone, you will have peace of mind for the rest of your life.

…

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

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

The meeting is scheduled for the 15th and the venue is Xiangjiang.

This date was a bit late, and after a full week, the efficiency was so low.

However, Chu Yao just complained in his heart. The first time he cooperated, he estimated that he would have to make various trade-offs and guesses, and he would probably check himself.

so be it. UU reading www.uukanshu.cOM

Let’s talk about it first. As for what the talk will become, it is still unclear. We can only do our best and take the first step.

…

Everything is done.

Chu Yao finished today’s work, went straight down to the seventh floor, went to the spa of this hotel, and prepared to be happy today.

-Check the column to listen to the music.

Oh no, spa massage.

After a long period of high-intensity mental work, finding a warm place to relax and relax in comfort is truly an incomparable enjoyment.

…

…

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