My Age of Investment

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No. 17 on the Bund.

Just across the river from the Oriental Pearl Tower, the AIA Building has stood on the bank of the Huangpu River for nearly a century, witnessing the vicissitudes of a country over the past century.

With the opening of the reopening door, AIA, which has been away for nearly 40 years, has returned to the Magic City.

Returning with them were many blond and blue-eyed foreign bank employees.

However, attentive citizens of Shanghai Metropolis were jogging along the Huangpu River in the morning and discovered that in the past two months, fewer foreigners had been coming in and out of this exotic-looking building, and they had been replaced by all Chinese.

What's even more strange is that two bright red five-star red flags are planted on the two corners of the spire on the front roof of the building.

Did the foreigners withdraw?

When the curious citizens of Shanghai went to the China Merchants Bank next door to AIA to do business, they found out that the foreigners had really withdrawn, and now AIA has become a genuine Chinese company.

After taking over AIA, the team of Envision Financial Holdings immediately launched a major operation. A large number of foreigners who were stationed in Shanghai and served as management of the mainland headquarters were transferred one by one, and then all were dispatched to Southeast Asia.

As a Chinese company, AIA now does not need to hire a bunch of foreigners to serve as senior executives in the mainland. They do not understand the national conditions and have poor work ability. At the same time, they also demand very high salaries.

Xia Jingxing sent all these people to Southeast Asia with a single order, where Americans had plenty to eat and could hold the banner of large international financial companies.

But there is absolutely no need for the mainland, and there is no need for a few foreigners to decorate the facade.

After Xia Jingxing issued this order, he encountered resistance from many American employees.

They were reluctant to leave the prosperity and friendliness of Little Mumbai in the East and refused to leave this beautiful city.

But Xia Jingxing is not used to these people. He must either obey the company's arrangements or get out!

There is a rooftop garden on the top floor of the AIA Building, which is very beautifully decorated.

Standing there, you can enjoy the most prosperous city scenery on both sides of the Huangpu River during the day, and at night, you can have a panoramic view of the Oriental Pearl Tower on the other side.

Therefore, this rooftop garden has become the best place for AIA to hold high-net-worth client parties. On weekdays, it is basically not open to the public except for employees.

After Chen Hong took Xia Jingxing around the company, he took him to the rooftop garden.

There was a strong wind on the roof, and the red flags were blowing loudly, but the awning erected there was very stable. Xia Jingxing and Chen Hong sat under the awning, drinking tea and chatting.

"How do you plan to develop the insurance business in the mainland? We have now replaced all our senior executives with Chinese people. According to feedback from people below, customers have misunderstood this and regarded us as a domestic insurance company."

Xia Jingxing smiled and said: "The country is now very vigilant and conservative about financial opening up, and will only adopt a financial management method that gradually relaxes restrictions on foreign investment.

Didn't you propose it before? Envision Financial Holdings is further split into international and domestic parts, both of which include securities/investment banking, commercial banking, insurance, mutual funds/public funds and other full-line businesses.

The international business is classified as a group, registered in the Cayman Islands and headquartered in Hong Kong;

Domestic business is classified as a group, registered in Magic City, and its headquarters office is also in Magic City.

International groups will invest in domestic groups as foreign investors, and the two will merge after the financial industry is completely opened up in the future. "

Chen Hong picked up the tea cup, took a sip, and smiled lightly, "This is a solution!

But have you ever thought about it? We can never change anything. Envision Financial Holdings has your deep personal imprint on it.

The actual controller is Chinese, so in everyone’s eyes, it is a Chinese company. "

Xia Jingxing smiled and said: "What's wrong with Chinese companies? I don't want to hide this. The business scope of most of Envision Financial Holdings' businesses is still in the Asia-Pacific region, and it has not entered European and American countries. Everyone is on the same page.

We have a tacit understanding with Goldman Sachs and Morgan Stanley. As long as we don't enter Wall Street and do some commercial banking business in the United States, they don't mind at all, as long as we don't do large-scale investment banking business. "

Chen Hong nodded lightly and said: "Then let's do it this way. Envision Financial Holdings will be split into two. The two groups are not parent and subsidiary companies, but are at the same level.

However, obtaining a banking license is somewhat troublesome, so insurance and securities businesses can only be reformed first. "

Xia Jingxing said: "No problem, banking business is not easy to do anyway. Even if we successfully change it to a domestic capital, people will not be able to trust us all of a sudden."

Chen Hong laughed loudly, "That's right, let alone small cities and rural areas. Residents in big cities have never heard of the names of Huamei and Chinese Bank."

Xia Jingxing smiled. In the future, the bank's breakthrough point will still be Internet banking. For now, it can only lie dormant.

When Xia Jingxing thought of Internet banking, he immediately thought of Internet insurance.

“What do you think, let’s try selling insurance through the Internet?”

Chen Hong looked very surprised, "Create a web page and sell it online?"

“Yes, now that smartphones are becoming more popular, AIA can develop an insurance application app.

As soon as users open the mobile app, they can research and compare various types of insurance and prices, as well as check electronic insurance policies and purchase insurance policies. "

Chen Hong asked: "How to buy? Pay through the Internet?"

Xia Jingxing smiled and said: "Haifutong will also develop a mobile application, so you can use your mobile phone to pay in the future.

Purchasing insurance through mobile phones is just like shopping on Taobao through computers, and it is even more convenient. "

Chen Hong frowned and said, "How to solve the trust problem? A life insurance policy is not a small amount, and it is not an accident insurance."

"It takes time to solve the trust problem. At the beginning, we can sell some cheap insurance, and even cooperate with Haipay to give away an account property protection insurance."

Chen Hong became even more confused after hearing this. What is account property protection insurance?

Xia Jingxing had no choice but to explain.

After hearing about Haipay's balance account, bundled bank cards, and integration of various Internet financial services, Chen Hong could no longer be described as surprised. Instead, he looked at Xia Jingxing with a look of lunacy.

"Are you sure there will be users willing to upload so much information involving personal privacy and property security, or even use a small mobile app to manage all their personal belongings?"

Xia Jingxing chuckled, "Don't believe it, digital finance is definitely a big trend.

With the Haipay app, users do not have to queue up at the bank to handle business. They can use their mobile phones to deposit and withdraw funds, transfer funds between banks, and buy insurance, funds and various financial products.

You can even use Haipay to pay utility bills, take subways, buses, etc.

The ultimate goal of Haipay is to build a pervasive digital platform from finance to life. "

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