Rebirth began in 2004

In Beijing, after hanging up the phone, Chen Wei changed into casual clothes.

When he is out, Chen Wei is always serious, but when he is at home, he is just wild and unrestrained.

Anyway, it must be whatever feels comfortable.

After changing his clothes, Chen Wei did not go downstairs, but sat on the bed, holding a tablet in his hand and began to read the information sent to Yanghe Commercial Bank.

In Chen Wei's memory, there is no such incident at all.

It shows that in the end, Yanghe Commercial Bank solved the problem without attracting too much attention.

A problem that can be solved in this way is not a big problem.

When problems are exposed, they are often big problems that cannot be covered up.

Things that can be covered up have already been covered up.

Chen Wei knows this very well.

Chen Wei was about to slowly slide his finger across the screen when he felt the mattress vibrate slightly.

An orange cat jumped on the bed.

Chen Wei raised his hand, and the orange cat's head rubbed against Chen Wei's hand.

By the way, civets and cats are not arrogant by nature, and are not very approachable to people?

Anyway, Chen Wei didn't feel this way. If he didn't close the door at night, there would definitely be two cats on the bed.

During the day, the two cats’ favorite place to stay is next to the radiator.

Listening to Daju's cooing sound, Chen Wei couldn't help but smile.

Soon, the tabby cat also came running.

The two cats lay quietly next to Chen Wei. Chen Wei was already used to this scene.

They seem to be quite close to Chen Wei.

Chen Wei was surprised by this.

While petting the cat with one hand, Chen Wei read the mail.

Although Qingyuan Group has raised a considerable amount of funds from Yanghe Commercial Bank, what it has done is not spectacular.

Compared with some companies, Qingyuan Group can be described as following rules.

Qingyuan Group's rules should have a direct relationship with Liu Changqing.

Liu Changqing is only forty-five years old this year. According to the average age of people today, Liu Changqing can live for at least thirty years.

In his forties, for a man who pursues a career, he is at his peak age.

There are infinite possibilities for his future and career, so Liu Changqing will leave room for things to happen.

Looking at Liu Changqing's photo, I don't know if it is fake or not, but he seems to be a pretty decent person.

If we give him some more time, the development of Qingyuan Group will be limitless!

The next ten years will be a period of great expansion of the wealth of the entire society. As social wealth increases, ordinary people will feel that their lives are easier. However, for the rich who occupy the majority of social wealth, their own wealth will expand rapidly.

Chen Wei picked up the notebook next to him. There was a pen in the notebook. Usually, he would write down some of the things he thought of in it.

Chen Wei didn't know much about the business of banks. He only knew that the main business of banks was to use depositors' deposits to lend money to others.

There is a difference between deposit interest and loan interest. For example, the deposit interest is 2.5% and the loan interest is 4.9%. There is an interest difference of 2.4%.

This becomes the bank's profit.

Among all A-share listed companies, the profits of the banking industry are far higher than those of other companies.

Being a bank is extremely profitable.

Therefore, if Yanghe Commercial Bank is taken over, even if it does nothing else, its profit-making efficiency is a project that is worth investing in.

If in the future, the capital flow of enterprises under Hengtong Group is carried out through Hengtong Bank, this will be an extremely huge cash flow.

Just talking about the money on the books of Hengtong Technology is terrifying.

A bank with sufficient funds can do a lot of things.

Of course, Chen Wei naturally does not want to say that Hengtong Bank in the future will only do some traditional businesses.

You can also do some other things.

For example, take the field of Internet finance.

Banks in China are really having a good time, and they haven't rolled up at all.

Why sit up when you can make money lying down?

You can make money by sitting, so why stand?

Why run when you can make money by standing?

When you can't make money even by running, then you can only ride a bicycle.

If the bicycle doesn't work, then switch to a car; if the car doesn't work, switch to high-speed rail, then plane!

In any case, competition must arise so that the level of the industry can develop.

Therefore, the entire financial market currently lacks a disruptive catfish.

A smile appeared on Chen Wei's lips, he seemed to understand!

Write four words on the notebook: Internet Finance!

This is a catfish!

The development of Internet finance has not been hindered because the country wants this catfish to stir up the market.

Is the so-called Internet finance really that magical?

Not necessarily.

I can only say that some things seem to become more sophisticated as long as they are related to the Internet.

In fact, it is to bring some financial services online and simplify the process with the support of Internet technology.

What is the most troublesome thing for banks to do when lending to individuals?

Of course, it is to determine an individual's credit situation.

But under big data analysis, a person's credit status can be directly reflected in scores.

Internet finance is said to be inclusive financial services, but with a daily interest rate of four thousand and an annual interest rate of more than ten percent, is this considered inclusive finance?

Worse than a bank!

As for Chen Wei, he plans to use the borrowing service directly to borrow money directly from the bank.

Therefore, it cannot be said that Jiutian Financial also has to invest in Yanghe Commercial Bank just in the name of Hengtong Group.

As for the company Jiutian Financial, we must talk about it. Now Jiutian Financial is a financial company held by Hengtong Group, Penguin and several state-owned shareholders.

Jiupay is under the banner of Jiutian Financial.

After Xiaoju Technology completed the merger with Penguin, New Penguin made some divisions in its internal business, that is, all the previous payment business was divided into Jiutian Financial.

In addition to dividing the payment business, Penguin will also directly divest the e-commerce business.

Penguin's own e-commerce business is terrible. It invested a lot of resources, but it did not achieve the expected results.

The divested e-commerce business will be merged with Jinggou, and Penguin will also invest in Jinggou.

It’s worth looking forward to what kind of results Jingou will achieve when it gets traffic from Penguin in 2011.

Chen Wei is now too lazy to deal with the staggered ownership structures of his companies.

In fact, Chen Wei did not deliberately create any complicated equity structure.

Some business owners, in order to prevent the outside world from knowing how much money they have, make the company's equity structure extremely complicated.

If you want to sort it out, you have to spend a lot of thought on it.

Some companies will be registered directly in places like the Cayman Islands. Anyway, the final result is one: unclear.

Chen Wei, on the other hand, registered all his companies in the country.

The ownership structure of Chen Wei's company is quite clear, and you can see it clearly at a glance.

There are no such thing as mysterious shareholders.

Either state-owned assets or investment companies.

Everything is on the surface.

"Hey, it's quite relaxing!"

Chen Wei closed the book and looked sideways at Yang Mengxiao: "What, has the discussion been completed?"

Yang Mengxiao sat on the edge of the bed and reached out to touch the two cats. She also liked them very much.

Mainly, the two cats are smart enough.

"Well, Tao Muqing and I are going to go to the company and ask someone to perfect the plan."

Chen Wei: "Why don't you wait for them to come up with a plan first, and wait until you see the plan they gave you before you comment on the changes?"