My Age of Investment

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Xia Jingxing had too many whimsical and unconstrained ideas, which made Chen Hong feel that they were not in the same dimension as his own thinking.

He completely gave up arguing. Xia Jingxing was basically talking and he listened quietly.

After Xia Jingxing finished speaking and started drinking tea to soothe his throat, he made a concluding comment: "It's definitely not possible to realize your idea in the short term. Not to mention technology, policy is a roadblock."

Xia Jingxing smiled and nodded, "I know this, so I said it is a long-term goal and we need to build it brick by brick.

The Haipay application we will launch next is just an online payment tool, or it may integrate financial information content, check stock prices, pay for water, electricity and gas, and buy train and plane tickets.

The main focus is still on "payment". Other financial businesses are in deep water areas and will not be touched for the time being.

After the policy becomes clear, financial services will be enriched. "

Chen Hong nodded, "That's okay, I'm just afraid that if your brain gets hot, you'll do something that violates the red line."

Xia Jingxing said with a smile: "How could it be? I am a good and law-abiding citizen. Even if I want to do these businesses, I will communicate with the regulatory authorities first to isolate all legal risks.

As for risks at the operational level, I personally can promise to cover all risks, and I believe that the regulatory authorities will give this face. "

Chen Hong glanced at Xia Jingxing, shook his head and said, "It's not necessarily true. This is a major matter involving people's property, and the higher ups will never treat it without caution."

Xia Jingxing scratched his forehead, how about showing Lao Ma a clear path and letting him go to Lei first?

"When I see Lou Wei next time, I'll mention this to him and ask him for help."

Chen Hong nodded noncommittally. This was a quick way to submit a letter, but it might not be successful.

Xia Jingxing said: "Forget it, let's not talk about this, let's go back to AIA."

Chen Hong asked with a serious expression: "Do we really want to replace the insurance agent model with online sales?"

"When did I say substitution?"

Xia Jingxing shook his head and laughed: "Insurance sales rely heavily on people, and for the time being, they cannot be replaced.

Expanding online sales is only a supplement to the insurance agent model. "

Hearing this, Chen Hongda breathed a sigh of relief. He was afraid that Xia Jingxing would innovate the model and destroy AIA.

You know, AIA still owes US$20 billion in merger and acquisition loans. It is under great pressure to repay the debt, and it dares not have problems with its operating performance.

“The insurance agent model was actually introduced by AIA when it entered China in 1992.

Before this, insurance practitioners were all assigned to work in insurance companies after graduation. Most of the business they carried out was group insurance, and most of their customers were enterprises and institutions.

At that time, insurance was a decent job, a guaranteed job! "

Xia Jingxing smiled and asked, "Then what happened later?"

Chen Hong sighed and said: "After seeing AIA's agent model, Ping An, China Life, and Pacific Insurance felt that it was advanced and had strong sales awareness, and they all began to imitate this model.

At that time, we caught up with the wave of layoffs from state-owned enterprises, and a large number of laid-off workers entered the insurance industry.

Then, the "human wave tactic" began to appear, and a large number of low-educated and low-quality people were recruited into the insurance agent team.

After receiving simple training, they first insured themselves and then their families. After a few policies, they became unsustainable and most of them left their jobs quickly, earning the industry reputations such as "deception" and "chaos."

But insurance companies are still happy with it and even regard it as a "wealth password."

Although many employees cannot stay in the end, they can at least become customers of the insurance company. After leaving the company, the insurance company no longer has to pay commissions even for consecutive periods, which saves a lot of costs. "

Xia Jingxing said: "This model is unacceptable. The road will only become narrower and narrower."

Chen Hong spread his hands and said, "There is no way. The general environment is like this. Anyone who changes will be seeking death."

Xia Jingxing smiled. He remembered that in his previous life, the insurance company's publicity was even more outrageous than that of micro-business. He posted something in Moments mentioning an estate with tens of millions of square kilometers in Africa and an owner with an annual income of hundreds of millions who switched to insurance...

The purpose is just one, to deceive people into doing insurance together and develop a team.

Gu Yan

Xia Jingxing was suddenly a little worried. AIA's insurance company wouldn't treat me as a boss as a promotional copywriter, right?

Even though Mr. Xia is worth hundreds of billions, he still chooses to join the insurance business and eventually becomes the richest man in Asia!

Mr. Xia’s password has caught up with or even surpassed Buffett’s, it’s insurance!

Xia Jingxing shook his head repeatedly, he could not let his reputation be ruined for the rest of his life.

"What's wrong? Why are you shaking your head?" Chen Hong asked with a smile.

Xia Jingxing was determined to change this abnormal phenomenon in the insurance industry, but he found that he might not be able to defeat the general trend.

We can only clean up after the chaos, and the whole industry will reflect together.

"I was wondering, will the employees below use me as a gimmick when selling insurance?"

Chen Hong was stunned, then smiled and said: "There's nothing wrong with you! As the majestic leader of the Demon Cult, how can you not tell your followers your name when they travel around the world?

Don't think too much, just get scolded! If you don't make people jealous, you are mediocre! "

Xia Jingxing smiled bitterly. Does this mean he should be prepared to be scolded if he makes bad money?

He heard that when players were playing CF and DNF, because the server was too popular, players were often pushed offline, and then all the Internet cafes could hear a national curse, prefixed with the three words "Xia Jingxing".

As much scolding as Xiaoma had received in his previous life, he had received as much scolding.

In this case, Ponima should be grateful to himself.

Xia Jingxing waved his hand, "Forget it, don't mention it anymore, just do whatever you want!"

Chen Hong smiled and consoled him: "As for me being so sad? I would like my employees to use my signature, but unfortunately, who knows me?"

Xia Jingxing smiled and said nothing. Chen Hong's shareholding ratio in Envision Financial Holdings was less than 0.2%. Envision Securities, AIA, and Chinese Banking Corporation could all be regarded as his sole proprietorships. Even if he paid a little more, he would basically get them all. own pocket.

"Hey, by the way, how is the search by the securities company I asked you to look for?"

Speaking of this matter, Chen Hongzhi sighed, "Financial licenses are a treasure in our country and are difficult to obtain.

I've been searching for so long, but I haven't found a suitable one, or I just don't want to sell it. "

Xia Jingxing frowned slightly. Without a mainland brokerage license, it would be equivalent to missing a piece of the financial landscape. If the companies invested by Vision Capital had an A-share IPO, they would not be able to get a share of the pie.

"Then just wait. If you find a suitable company, you must get it quickly. It doesn't matter if the price is higher."

Chen Hong said with a smile: "Just rest assured. I have mobilized all my contacts to help us keep an eye on it. Once a suitable target appears, we will definitely know about it as soon as possible."

Xia Jingxing showed a knowing smile, and then asked about the Chinese Bank.

East West Bank has officially changed its name to Chinese Bank at this time. All branches around the world have received this notice from the headquarters and have begun to use the new brand.

Including the Magic City branch in the Jinmao Building across the river, as well as the branch in Hong Kong, all have new signboards and new logos.

"I talked with people at HSBC and they were unwilling to sell Hang Seng Bank. For them, this is a golden chicken that lays eggs. It is also a core business and one of the most important banks in Hong Kong."

Xia Jingxing was full of regrets. Although the financial crisis hit HSBC hard, it was not serious enough to sell off its core assets.

Selling several buildings, including the New York headquarters, is just a temporary measure to quickly raise cash. Once the company's operations improve, the buildings can be bought back at any time.

But Hang Seng Bank, the bank with the same name as the Hang Seng Index, is a nail in the coffin for HSBC in Hong Kong and will not let go easily.

Seeing Xia Jingxing's regretful look, Chen Hong quickly informed him of the good news.

"Although Hang Seng was not taken down, I found a new target."

Xia Jingxing asked: "What goal?"

"Pengcheng Development Bank!"

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