Chen Dongcheng frowned and listened to Xie Jingyu's report.
"Boss, there seems to be a female anchor over there. The camera just caught you."
"I suggest you and Miss Zhuang leave first, and I will take care of it."
"Okay, you don't need to be too nervous, I'm not a celebrity."
Chen Dongcheng didn't take it seriously, patted Xie Jingyu, and pulled Zhuang Manting away.
Xie Jingyu stayed where he was, smiling bitterly and shaking his head: "Boss, you are much more popular than celebrities."
After Chen Dongcheng left under the escort of two bodyguards, Xie Jingyu walked behind the female anchor.
I glanced at the barrage, and everyone was asking if that was Chen Dongcheng?
Xie Jingyu patted the girl's shoulder gently, and the girl turned her head with a confused look in her eyes.
"This more than five thousand is your hush money."
Xie Jingyu took out more than fifty red banknotes, put them in the female anchor's bag, and whispered to the girl.
Noticing that the girl didn't respond, Xie Jingyu pointed at the barrage.
The girl finally came back to her senses, coughed slightly and spoke to the live broadcast room.
"The man just now was not Mr. Chen. I went over and took a look. There was a second-generation rich man who looked a bit like Mr. Chen, picking up girls."
"Really or not?"
"Why do I feel like you're teasing me?"
"Anchor, if you are kidnapped, just blink."
All the comments in the live broadcast room were filled with disbelief, and the girl’s camera kept pointing at the crowd on the Bund.
"I really didn't lie to you. Look, everyone has left."
The girl moved the camera around, but there was nothing there.
Many people are a little regretful. If they had just captured a picture of Mr. Chen’s face, it would have been a hot search!
The girl touched the more than 5,000 yuan in her pocket and thought that she might not be able to earn so much in a month just by relying on rewards.
…
Mr. Chen on the other side received a text message from Xie Jingyu as soon as he returned to the car: "Boss, it's done."
Chen Dongcheng threw his cell phone aside and said to Pang Zhengyang: "Go back to Tomson Yipin."
Zhuang Manting drank some wine, her face became rosy, and she teased Chen Dongcheng.
"You are so popular now. Everyone knows that you are worth a lot of money. Many girls dream of being your princess."
"It's not a good thing for people to be too famous. In the past, no one would recognize us when we went to the Bund."
Chen Dongcheng shook his head and sighed, lowering the car window to let in the breeze.
If you shoot it from the angle of a drone, the white Bentley Bentayga is driving neither fast nor slow on a wide avenue in the brightly lit Shanghai.
The Bund is not far from Tomson Yipin. As the car drove into the community, the security guard at the door saluted.
"You see, being rich is so boring." Chen Dongcheng joked.
Zhuang Manting rolled her eyes at Chen Dongcheng: "If you say this, many people will want to beat you up."
"If we were really exposed just now, would you regret it?"
Zhuang Manting suddenly asked lightly when the elevator was approaching the door of her home.
Chen Dongcheng's eyes suddenly narrowed and he glanced at Zhuang Manting.
This is definitely a gift!
Mr. Chen did not hesitate and said immediately: "Of course not. What if our relationship is known to the outside world?"
"You pass."
Zhuang Manting was indeed very satisfied and gave Chen Dongcheng a light kiss on the lips as a reward.
"How is this enough?"
Chen Dongcheng smiled evilly and picked up Zhuang Manting.
As the elevator arrived, I quickly ran to the door and entered my palm print to open the door.
As the heavy copper door closed, only Pang Zhengyang was left with his head lowered, like Chen Dongcheng's shadow.
…
Yinhai Jinhui is very fast, in order to prove their strength.
Cao Cao paid for his first abs product and it was sold within a day.
Yin Yanwu reported the good news to Chen Dongcheng: "Mr. Chen, fortunately you have lived up to your destiny.
Your company's first ABS product is very popular in the market.
It didn't take much effort for us to find a financial institution for you that is willing to subscribe."
Yinhai Jinhui is backed by its parent company, Yinhai Securities, and has no shortage of connections and funds.
The interest rate Cao Cao paid for his first ABS product was very impressive, reaching 6%.
The issuance interest rate is higher than that of traditional banks, and Ant Financial’s Huabei and JD.com’s Baitiao serve as precedents.
There were many institutions participating in the subscription, and the 2 billion quota was quickly divided among many institutions.
"I have already read the subscription form you sent.
I will let Zhu Zijing discuss the specific commission settlement with you."
Yin Yanwu didn't care much about commissions, they were just small amounts of money.
"Mr. Chen, if Cao Cao pays for the next ABS product, it's better to release it while it's hot, what do you think?"
There are quite a few brokers keeping an eye on Cao Cao's payment.
As far as Guang Yin Yanwu knows, there are several companies that are not weaker than Yinhai Securities.
This meat is almost up to your mouth, so you can’t throw it away no matter what.
Chen Dongcheng had no intention of temporarily breaching the contract.
It is still necessary to have a good relationship with a securities firm.
When companies issue bonds, they are indispensable for various arrangements.
"Okay, the remaining 11.8 billion will be handed over to you."
Chen Dongcheng said very cheerfully.
"Thank you so much, Mr. Chen. If you have a chance to come to the capital, I will treat you to dinner."
Yin Yanwu was overjoyed and kept thanking Chen Dongcheng.
In this cooperation, it was Chen Dongcheng who took the initiative.
The total size of ABS products issued by Yinhai Jinhui before was less than 2 billion.
Now Cao Cao's payment suddenly made a huge order of 13.8 billion.
No amount of thanks to Yin Yanwu can be expressed enough.
Moreover, abs can have unlimited leverage.
At its peak, Ant Financial's small loan company had leverage that was more than 80 times higher than what was rumored to be.
As long as it is not exposed for a day, Ant Financial can just sit back and make money.
Of course, when it comes to earning power, Huabei is definitely not as good as Borrower.
However, the nature of the two products is different. Jiebei belongs to the category of cash loans and will be subject to supervision sooner or later.
The scene of Huabei is controllable and it can still continue to be issued, but the profit will be less than that of borrowing.
Random payment has the same nature as Huabei. After launching this business, it has stabilized a large number of existing users.
Zhu Zijing is also working on building a credit system for Cao Cao's payment.
Both Ant Credit and Tencent Credit were established with the purpose of reducing the proportion of bad debts.
Yin Yanwu mentioned to Chen Dongcheng that Ant Financial’s ABS products were sold out within minutes of their launch.
The reason for such popular subscriptions is the Sesame Credit system created by Lao Ma.
Huabei and Jiebei businesses can control bad debts to about 1%.
Since January 2015, eight companies have been selected to trial personal credit reporting services.
Lao Ma then set out to build Sesame Credit, and its development speed far exceeded that of other companies.
So far, Sesame Credit has achieved remarkable results in just two years.
After getting the personal credit license issued by the above, it seems to be within reach.
This is not the case.
Chen Dongcheng is certain that Ant Financial has repeatedly defaulted on its contracts and is wildly leveraged.
The higher authorities will definitely not approve a personal credit report license to Ant Financial.
For such an important license, it is most likely that the superiors will set up a company to do it themselves, and multiple companies will participate in the cooperation.
However, there is nothing wrong with starting to build your own credit system. Cao Cao Financial has established a new department within it, named the Credit Information Department.
The main business is to analyze Cao Cao Pay users through big data and control bad debts to a minimum within a reasonable range.
For a time, Cao Cao Financial recruited many talents in the financial field to improve the combat effectiveness of its senior management team.
Based on the current performance of Cao Cao Finance, it is no wonder that its valuation exceeds that of JD Finance.
The general quotations from investment institutions are around US$8 billion, and institutions that want to subscribe are like crucian carp crossing the river.
Zhu Zijing has been very busy recently. Domestic and foreign investment institutions have been chatting with him about valuation and prospects every day.
It's just a matter of saying it directly, you just fill in the number and we'll see how much you invest.
Zhu Zijing knew the plans of these institutions.
Looking at the country, the one with the greatest potential to challenge the status of WeChat Pay and Alipay is none other than Cao Cao Pay.
The first two companies are behemoths. If they invest in Cao Cao Finance at this time, they will make a profit without losing any money.
Zhu Zijing has been waiting for the sales situation at Yinhai Jinhui.
As long as all the 13.8 billion ABS products are sold smoothly, Zhu Zijing will dare to call out a valuation of 10 billion US dollars.
Just thinking about it makes my blood boil!
Who would have thought that Cao Cao Finance, which was unknown at the time, would one day become a super unicorn with a valuation of tens of billions of dollars.
When Zhu Zijing joined, he didn't even dare to think so.
It is too difficult to get to this point. Under the strong pressure of WeChat and Alipay, it can obtain 1% of the third-party payment market share.
Without the help of many brother companies, it would undoubtedly be a dream.
Takeout, bicycles, taxis, online shopping...
Covering almost all payment scenarios, Cao Cao’s payment has achieved good results.
Of course, the most important point is that sponsoring the Spring Festival Gala has become the most critical node in the development of Cao Cao Pay.
With more than one billion viewers, Cao Cao Pay has received unprecedented exposure.
In the first quarter of this year, Cao Cao Pay’s market share increased significantly.
Although it is still not as good as Alipay and the % has been increased to 5%.
This growth rate makes all employees of Caocao Financial feel incredible.
Especially the promotion of QR codes in offline stores, Cao Cao Pay sent a local promotion team to promote the QR code collection business door to door, and the online and offline transaction volume skyrocketed at the same time.
After hearing the report, Chen Dongcheng poured cold water on Zhu Zijing.
“Even Ant Financial’s A-round financing was discounted by 65%.
JD.com even signed a gambling agreement.
What do you think these investment institutions will ask of you?
Annual net profit growth must not be less than 20%?
If it cannot be listed within five years, the major shareholders will invest in the buyback?"
Zhu Zijing was shocked and immediately alerted.
During this period, many top investment institutions came to our door one after another.
Coupled with the fact that Cao Cao paid so quickly to become famous, Zhu Zijing felt a little overwhelmed without even realizing it.
In other words, he is not the only general manager.
Everyone in the entire company was somewhat complacent and confused by the results in front of them.
"We are still far behind in terms of market share compared to Alipay and WeChat Pay. We are so complacent just after achieving such a small result. How can I continue to trust you?"
The calmer Chen Dongcheng's voice was, the more scared Zhu Zijing became.
His face was full of guilt, and he lowered his head and did not dare to look directly at Chen Dongcheng.
"Director Chen, I..."
"The capable are promoted and the mediocre are demoted. I don't need to stress this simple truth, right?"
Chen Dongcheng looked at Zhu Zijing, his tone was serious, but he couldn't help but feel a little disappointed.
This talent he had personally poached was not a last resort, and he did not want to make the decision to kill Ma Su in tears.
Zhu Zijing's face was filled with shame: "Director Chen, I will keep your words in mind and rectify the impetuousness in the company. We will not consider financing for the time being."
Zhu Zijing could feel Chen Dongcheng's disappointment in him, and he couldn't help blaming himself in his heart.
Wherever I went, I forgot about myself.
The better Cao Cao's financial performance, the more dazzling Zhu Zijing's resume will be.
What's more, no one would be willing to give up Cao Cao Financial's equity incentives.
Super unicorns with a valuation of tens of billions of dollars are ranked high in the entire Internet circle.
Chen Dongcheng's eyes were warm. He had already noticed that Zhu Zijing was a little distracted, so this time he took the opportunity to hit him.
Cao Cao Financial is definitely the most important destroyer in the aircraft carrier of the Cao Cao Group, and there is absolutely no room for failure.