"What kind of party?" Zhang Yida asked Chen Bingyao.
"There are gatherings of Chinese people in Singapore, Malaysia, Indonesia, Thailand and other places." Chen Bingyao said.
"Is it appropriate for me to go to the party of your chaebol children?"
Chen Bingyao shook his head and said with a smile: "Introducing a few friends to you will be very helpful for you to open the market in Southeast Asia.
Besides, you are also the best entrepreneurial young man in China, and they all want to meet you.
We are all young people, so just make friends."
"Okay then! Thank you for your kind invitation." Zhang Yida agreed directly without any hesitation.
He is aware of the power of Chinese chaebols in Southeast Asia. Their political influence may be a little bit, but their economic influence is absolutely nothing.
If you can get to know some Chinese plutocrats, it will be much easier for you to work overseas, such as Ruixiang, Yimin Wangjin, and Doushi.
…
The next day.
9 pm.
Zhang Yida and Chen Bingyao arrived at the port together. After getting off the car, Zhang Yida saw a luxury yacht tens of meters long docked in the port.
Chen Bingyao pointed to the yacht and introduced: "This is the yacht of the Guo family, Lyra."
"The Guo family? Kerry or Hong Leong?"
In Zhang Yida's impression, there are many chaebol families named Guo in Southeast Asia, and there are three most famous ones.
One is the Kuok family of the Kerry Group with Malaysia's richest man Robert Kuok as its core, the other is the Kuok family of Singapore's Hong Leong Group founded by Kuok Fong Fong, and the third is the Malaysian Hong Leong Group founded by Kuok Fong Fong's nephew Kuok Ling Chan after the family split.
Needless to say, the Kuok family is the richest man in Malaysia, the “Hotel King” and the “Asian Sugar King”, Shangri-La Hotel, and Arowana cooking oil are all owned by their family.
Singapore's Hong Leong Group is mainly engaged in hotels, real estate, banking and finance and other businesses, and has more than a dozen listed companies.
Malaysia's Hong Leong Group, the second richest man in Malaysia after the Robert Kuok family, owns 13 listed companies in Malaysia, Singapore, the Philippines and Hong Kong.
"For the Hong Leong branch in Singapore, the host of today's banquet is the third generation successor Guo Yisheng."
Chen Bingyao introduced Zhang Yida as he walked.
The two of them walked into the yacht. Zhang Yida saw more than a dozen dressed-up men and women sitting on the luxurious yacht sofa. They should all be in their twenties or thirties.
"Bingyao, why are you here?" A man in his thirties greeted Chen Bingyao in Hokkien.
"Brother Yisheng, let me introduce to you. This is Mr. Zhang Yida from mainland China, the chairman of Ruixiang Financial Technology Group."
Chen Bingyao introduced Zhang Yida to the person who greeted him. He said: "Yida, this is Mr. Guo Yisheng."
Zhang Yida shook hands with Guo Yisheng, and the latter smiled at him and nodded, saying: "I have heard of Mr. Zhang Yida's name for a long time. I am very happy to meet you."
"Thank you, Mr. Guo, and I'm glad to meet you."
Zhang Yida looked at Guo Yisheng, who was calm and upright in front of him, and couldn't help but sigh in his heart. There is a reason why he has been rich for three generations. All his children have received very high education.
Not to mention talent, temperament is a very good thing.
"Yida, why didn't you say hello to me when you came to Singapore?"
Li Hengbo, who was sitting on the sofa, stood up and walked over while talking.
"Hengbo, do you know Mr. Zhang Yida?" Guo Yisheng asked curiously.
"Of course! We are old friends." After saying that, Li Hengbo turned to look at Zhang Yida and said, "Yida, are you right?"
"Haha" Zhang Yida chuckled and explained: "Temasek is our sharp investor."
"Oh!" Guo Yisheng nodded, indicating that he understood. He also knew that Temasek invested extensively, and it was normal for him to invest in a financial technology company in mainland China.
Then Guo Yisheng introduced other people to Zhang Yida:
"This is Indonesia's Sinar Mas Group..."
"This is the Indonesian Salin Group..."
"This is the Indonesian Astra Group..."
"This is the Indonesian Needle Group..."
…
Zhang Yida shook hands with the third and fourth generations one by one and said hello.
"This is my cousin, Guo Huiqi."
Guo Yisheng introduced Zhang Yida to a girl sitting at the end of the sofa.
Guo Huiqi was twenty-three or four years old and was fashionably and beautifully dressed. She stood up and shook hands with Zhang Yida and said: "Hello, Mr. Zhang, I am also in finance. We can communicate more in the future."
"Really?" Zhang Yida smiled and asked, "Which area is Miss Guo responsible for?"
"I am responsible for the family's asset management, mainly focusing on the banking industry."
Zhang Yida was moved in his heart and asked again: "Rongcheng Bank seems to have shares in Hong Leong Malaysia, right?"
Guo Huiqi smiled and said: "Yes, we bought shares in Chengdu Bank in 2007 and have never reduced our holdings. We are currently the second largest shareholder.
Mr. Zhang, you seem to know our company very well!"
"Actually, I don't know much about it." Zhang Yida added: "Because my hometown is Rongcheng, I know a little more about the banks in my hometown."
"Oh, that's right!" Guo Huiqi nodded and said, "I've studied your journey to start a business, and it's amazing. You seem to be still in college!"
"Haha" Zhang Yida smiled and said: "That's right!"
Guo Huiqi looked at Zhang Yida with a puzzled expression and asked: "Why do you think it counts?"
"I basically didn't go to class, so I can't be considered a qualified student." Zhang Yida explained to her.
"You still have such an operation? Your school really loves you very much!"
Guo Huiqi added: "I heard from Chen Bingyao that Ruixiang Group is aggressively expanding its presence in the Southeast Asian market?"
"It is mainly focused on investing in and launching joint ventures. Southeast Asia is a market that we value very much."
"It's because China's Internet market dividends have dried up, and we need to look for new incremental markets outside."
Zhang Yida looked at the girl in front of him with admiration and said, "You seem to understand the Chinese Internet market very well."
Guo Huiqi smiled and said: "Then you are too flattering to me. I only have a little research on China's business market because of my work."
"Shouldn't we study more about the banking industry?" Zhang Yida asked her back.
"Compared to traditional banks, I am more interested in Internet finance."
Guo Huiqi sighed, looked at Zhang Yida and said: "In your opinion, we chaebol children may have enough food and clothing, just wait to take over.
But we are also very stressed. On the one hand, it is not easy to take over the class, and on the other hand, sometimes we also want to make our own way."
"Like Chen Bingyao?"
Zhang Yida smiled and shook his head. This is because he is surrounded by blessings and does not know the blessings! What's wrong with winning by lying down?
Guo Huiqi thought Zhang Yida was laughing at her, so she raised her eyebrows and said, "You were not born in this kind of family. You don't understand the situation of a big family."
Zhang Yida looked at her with his head tilted and said: "Don't look down on me. I can barely be considered a rich second generation. Although my family wealth is a few zeros less than yours, in China, I am still in the top 100 of the more than 400 million families in China."
Thousands of families.”
"Ha ha!"
Guo Huiqi clasped her hands and said, "Disrespect, disrespect!"
After a few jokes, the two of them got to know each other quite a bit.
Zhang Yida said with a smile: "Since you want to start your own business, why don't you try it yourself? Is it because your family doesn't support it?"
Guo Huiqi smiled but didn't answer. How could it be so easy to start a business? Success would be fine, but failure would be embarrassing for the family.
"Hong Leong Group and Chengdu Bank jointly established a licensed consumer finance company called Jincheng Consumer Finance Company. Have you heard about this company?"
Guo Huiqi suddenly became alert. She looked at Zhang Yida and asked, "Mr. Zhang, you know our industry very well."
Zhang Yida knew that the other party had misunderstood him, so he shook his head and said: "Jincheng Consumer Finance Company is one of the few licensed consumer finance companies at present, so of course I understand it very well.
To some extent, Yimin Wangjin is still a competitor with it."
Guo Huiqi motioned to Zhang Yida to continue. Zhang Yida smiled disdainfully and said, "Then do you know where their business growth rate ranks among the currently opened licensed consumer finance companies?
Ranked first and last.”
Guo Huiqi felt that she was about to figure out Zhang Yida's intention. She looked at Zhang Yida and said, "What about Mr. Zhang's opinion?"
Zhang Yida sighed and said, "Do you know the value of that consumer finance license? It's a crime for them to do this!"
Looking at Zhang Yida with a distressed look on his face, Guo Huiqi thought to herself, it's not your company, so why are you distressed?
Zhang Yida had something completely different in mind, a licensed consumer finance company with 10 times leverage. This license is simply priceless for Ruixiang and Yimin Wangjin.
The conditions for applying for this license are that the operating income of non-financial enterprises in the most recent year is no less than 30 billion yuan, the net assets are no less than 30% of the total assets, and the company has been profitable for two consecutive years...
Financial companies need more than 5 years of experience in consumer finance, total assets of 60 billion, and profitability for two consecutive years...
Then the sponsoring shareholders also have a common condition: they cannot transfer their equity in the consumer finance company within 5 years.
Jincheng Consumer Finance Company was established in February 2010, and this peach is already ripe...
"Just commit a crime! It's none of my business anyway." Guo Huiqi looked indifferent.
Zhang Yida said: "Don't you want to start your own business? Jincheng Consumer Finance is very suitable for you."
Guo Huiqi's expression changed, but she still pretended to be indifferent and said, "I'm not very interested."
"Ms. Guo, do you know how many Internet finance companies in China are coveting this license? Your current management team is too mediocre and incompetent.
The King's Number was turned into bronze by them, which is sad and lamentable.
If you look at it again, Home Credit Consumer Finance, which is also a foreign-owned company, became the richest man in the country by lending money."
Looking at Zhang Yida who was chattering endlessly, Guo Huiqi stopped him and said, "Go on! Tell me what you think."
Zhang Yida was at a loss for words and looked at Guo Huiqi, who was looking at him with a smile. He thought to himself that he was too attractive, now it's better, he has been manipulated.