On New Year's Eve, Chen Dongcheng was not at home.
On the first day of the Lunar New Year, the family finally reunited and had a New Year's Eve dinner with Meimei.
After moving to Hangzhou, both Chen Jianye and Gu Xiuwen felt that their surroundings were much cleaner.
When I have nothing to do, I go hiking in the mountains, and I can walk around the West Lake until I vomit.
There are dedicated people in charge of food, clothing, housing and transportation, so they can just enjoy it with peace of mind.
Chen Dongcheng is so generous to others, so naturally he will not be bad to his own parents.
During the Chinese New Year, Chen Dongcheng’s mobile phone was almost inactive, with messages of New Year greetings reaching 99+ every minute.
Fortunately, Xie Jingyu handled that number for him.
What Chen Dongcheng mainly deals with is naturally the many confidantes around him.
Taking a break from his busy schedule, Chen Dongcheng visited Guo Jingxuan's home and brought some gifts to give Guo Rongjun face.
Who is Mr. Chen now?
It is no exaggeration to say that in the Chinese business world, they are all ranked among the top figures.
Don't look at it, Lao Guo is also a billionaire with good connections.
But there are too many billionaires in the country, and Chen Dongcheng came to visit as a junior, and Lao Guo couldn't close the corners of his mouth with laughter.
"Come here, bring anything. Your Aunt Lu and I want to visit your home, but this girl Jingxuan doesn't agree to it."
Lao Guo sounded a little complaining. He didn't know what was wrong with his daughter. He didn't even go to Chen Dongcheng's house to see her during the Chinese New Year.
Chen Dongcheng was stunned for a moment, and said with a guilty conscience: "There are friends at home, and my parents are also quite busy. It's good that Uncle Guo has this intention. I will take care of my parents for Uncle Guo later."
Chen Dongcheng felt chilled. Guo Jingxuan seemed to know that Li Xingyao was at his home.
Looking left and right, I didn't see Guo Jingxuan.
"Uncle Guo, is Jingxuan not at home?"
"I'm going to Jasmine's house. I'll call her right now."
Guo Rongjun said, taking out his mobile phone and about to dial the number.
"No, I'll just wait at home and chat with you by the way."
Chen Dongcheng waved his hands quickly, thinking that he would definitely not be able to go at this time.
If you go there, you will definitely be criticized by Guo Jingxuan and his girlfriends.
That scene...
Guo Rongjun smiled and put down his phone.
"Okay, tell me, why did you think of competing with WeChat and Alipay for the cake? I'm sweating for you."
Lao Guo really admires these young people now, they are much braver than them.
Giant crocodiles of the level of Ah Li and Teng Xun are provocative. It is true that newborn calves are not afraid of tigers.
Chen Dongcheng shrugged and said: "The third-party payment market is so big. Although they have the largest market share, they do not leave opportunities for other platforms."
Even JD Finance can obtain a valuation of US$7.5 billion using Ant Financial as a reference.
The potential of Cao Cao Finance is naturally far greater than that of JD Finance.
As the Spring Festival Gala ended, investment institutions began to contact Zhu Zijing and Chen Dongcheng.
Ask Cao Cao Financial if it has a financing plan and what the valuation is planned to be.
Guo Rongjun also developed in the financial circle and has a keener sense of smell.
"Now that the higher authorities are more determined to rectify small loans, many of my friends have started to run away. It will not be so easy to make money in this industry in the future."
Chen Dongcheng asked curiously: "Uncle Guo has not considered changing careers?"
Guo Rongjun shook his head and smiled bitterly: "It's difficult. Entering an unfamiliar field easily will make you stumble easily."
"By the way, will your financial company promote loan business in the future?"
Chen Dongcheng smiled and nodded: "It's already online. It's similar to Alipay's Huabei and Jiebei. The names are just different."
Not taking advantage of such a good opportunity would be a waste of money.
Since Cao Cao Financial launched the borrowing function, it has instantly captured a group of loyal users.
The number of people actively applying for credit exceeds 30 million.
Generally, a debt model is formed, and users will be more loyal to the platform.
Guo Rongjun opened Cao Cao Pay, pointed at the 'casual payment' and asked, "Is this it?"
“This is just one of them. Compared with Ali’s Huabei, it belongs to the category of consumption first and repayment later.
There is also ‘Anxin Borrowing’, which is similar to Borrowing, but focuses on loan business, with varying amounts.”
Lao Guo frowned and glanced at Chen Dongcheng.
"To be honest, your business is no different from the small loans we do now."
"Essentially it's the same, but the gameplay is different."
Chen Dongcheng explained with a smile: "I have hundreds of millions of users, but you don't.
I will package the debts generated by Cao Cao Pay users through casual payments or borrowing into ABS bonds and sell them to earn the interest difference."
Guo Rongjun touched his chin: "The central government has regulations that small loan business cannot exceed 1.5 times the registered capital.
However, the actual implementation of each province will be different. In which city do you plan to register the company?"
"Mountain Castle."
“Earlier before, I had already asked people to go through the approval procedures.
The registered capital is set at 6 billion, and according to Shancheng’s policy, the maximum loan amount can be 13.8 billion.”
This is not a secret, and Chen Dongcheng does not need to hide it from Guo Rongjun.
After hearing this, Guo Rongjun shook his head: "Not enough. With the amount of money paid by Cao Cao, this amount is not enough to fill the gap between his teeth."
To give a simple example, even out of caution, the per capita credit limit is only 5,000.
This 13.8 billion can only grant credit to 2.76 million people.
Compared to the more than 30 million applicants, this is a drop in the bucket.
Chen Dongcheng smiled vaguely and said: "Policies are policies, and there will always be some delays in implementation."
"You mean..."
Guo Rongjun understood it. He had been in the small loan business before, so he naturally understood the gameplay.
It’s just that they are not as big as Jack Ma.
Chen Dongcheng smiled and nodded: "Of course I have other countermeasures, such as cooperating with Weizhong Bank and adopting a joint loan model."
Guo Rongjun thought for a moment and asked: "You mean joint capital contribution and joint loan?"
"Yes, this is the way Weizhong Bank has been developing. If I can secure the cooperation with Universe Bank, other banks will definitely be interested."
Guo Rongjun sighed: "The back wave is scary, I think your model is very reliable.
To put it bluntly, you are just earning the interest difference."
He understands the principle, but he can't do it at all because he doesn't have the capital.
Not to mention anything else, how much will it cost just to sponsor the Spring Festival Gala?
Starting at least one billion!
Not to mention that in order to retain these users, a series of subsidy programs must be formulated.
That's all real money burning.
"I'm back."
When Lao Guo was sighing with emotion, Guo Jingxuan came back.
Lu Suzhen had been watching TV and immediately came over: "Xuanxuan, who do you think is coming?"
Guo Jingxuan followed the direction pointed by Lu Suzhen and saw Chen Dongcheng looking at her, her tone of voice somewhat resentful.
"Hey, isn't this Mr. Chen? Why do you remember visiting my house?"
Guo Rongjun smiled knowingly and said: "You guys talk first, your aunt and I will buy some food and eat at home tonight."
After speaking, Guo Rongjun winked at Lu Suzhen, leaving the two of them with space.
"Hey, I just got home and had a rest, so I wanted to visit Uncle Guo and Aunt Lu."
Chen Dongcheng knew that he would definitely be unable to hide, so he asked, "How about I take you to my house tomorrow?"
"Going to your house?"
Guo Jingxuan said angrily: "You want me to have a fight with Li Xingyao?"
Damn it, it was really exposed.
Chen Dongcheng thought in his heart and said: "I am wrong in this matter, how about I make it up to you after the year?"
"How to compensate?"
Guo Jingxuan was a little moved, but her face was still cold, and she couldn't be coaxed.
"Let me think about it. I'm going to England after the year to watch Tottenham's Champions League game. Are you interested?"
Chen Dongcheng asked with a smile, knowing that Guo Jingxuan would definitely not refuse.
Guo Jingxuan snorted before saying: "It's a deal, you won't be able to run away after the new year."
"Don't worry, wait for my call." Chen Dongcheng vowed.
Then we talked about other things, and the atmosphere finally improved.
Guo Jingxuan was also amused by Chen Dongcheng's story about the hardships of the Spring Festival Gala, which made her laugh.
Lao Guo actually walked around the community with Lu Suzhen. When he entered the house, he first took a look at his precious girl.
With a smile all over his face, he didn't look unhappy at all.
"Well, it turns out that the person who untied the bell still needs to tie it."
When Lao Guo saw Guo Jingxuan being unhappy before, he thought it must have something to do with Chen Dongcheng.
Looking at it now, I guess I was right.
"Dad, why didn't you buy anything?" Guo Jingxuan asked in confusion.
"It's Chinese New Year, there's no one selling anything. My family has bought everything in advance. I'll have some drinks with Dongcheng in the evening, and you and your mother will make some dishes."
Guo Rongjun waved his hand and said casually.
Chen Dongcheng saw this and felt like a mirror.
"Aunt Lu is so good at cooking, she will definitely have more bowls of rice at night."
"You kid, let's continue our chat. Can you tell me how you plan to operate next?"
Guo Rongjun first went under the TV cabinet and rummaged through the cabinets to find a box of rare tea leaves, slowly brewed the tea, and then poured a cup for Chen Dongcheng.
Chen Dongcheng picked some less important things to tell Guo Rongjun, which greatly touched Guo Rongjun.
"It's hard to do business in the small loan market now. Everyone is dancing on the edge of a knife. I'm also a little frustrated and plan to sell the company."
Lao Guo sighed, still a little unwilling. Anyone who missed a stable way of making money would be like this.
Chen Dongcheng clinked tea cups with Guo Rongjun, comforted Lao Guo, and then asked: "Uncle Guo, you should know a reliable brokerage, right?"
"Absolutely. If you want to cooperate with a securities firm, I can recommend you a few that I have cooperated with and they have a very good reputation." Guo Rongjun said cheerfully.
"You must find a broker, preferably one with a good reputation. After all, it involves long-term cooperation." Chen Dongcheng said affirmatively.
"Let me think about it, Yinhai Securities is quite suitable for you. It has a good reputation and is not too strong."
Lao Guo thought for a while and suddenly asked.
Chen Dongcheng still trusts Lao Guo.
"Okay, I'll ask someone to check it later. If there's no problem, I'll cooperate with them."
Guo Rongjun is not worried that Chen Dongcheng will suffer losses. In order to win Chen Dongcheng's two big orders, Yinhai Securities will definitely give in.
"You have the traffic, they have the talent and experience, and if you work together, there will be no problem."
Just by looking at the cooperation between Ant Financial and Deppon Securities, you can get an idea.
Since Deppon Securities embraced Ant Financial, it has developed rapidly and ranks among the best among securities firms.
Most of the ABS securities of the two major businesses of Huabei and Jiebei are handed over to Debon for issuance.
Now that Cao Cao Pay has launched a similar business, as soon as the news gets out, the major securities companies should fight for it.