Zhang Yida was wearing a tight-fitting and exquisite Ming Dynasty Hanfu, riding on a horse that glowed white-gold in the sun, holding a bow and arrow in his hand, and was aiming at a grass target standing fifty meters away.
With a "swish" sound, the arrow flew out.
I'm a little embarrassed that I didn't hit the target.
The coach who stood beside Zhang Yida and watched smiled and said, "Mr. Zhang, you have made great progress. The power of the arrow is sufficient, but the accuracy needs to be improved.
This is already very good, many bosses can’t even draw this 40-pound bow!”
Zhang Yida nodded, swung his right arm, and fired several bows in succession. His arm was a little sore.
Zhang Yida felt that the ancient warriors were so awesome that their strength and physical strength were far greater than those of modern people.
I wonder if modern athletes can compete with ancient warriors?
The coach was very curious about the golden horse under Zhang Yida's crotch, which had a thin head, tall neck, slender limbs, thin skin and fine hair, and light steps. He looked at it carefully and asked:
"Mr. Zhang, is this the Akhal Tejin Horse?"
"right!"
Zhang Yida felt that the coach was quite knowledgeable, and he could tell the horse's academic name at a glance.
"My dear!"
After getting the exact answer, the coach also exclaimed.
This is the "bloody horse" in ancient times, also known as "Tianma" and "Dawan BMW"!
Emperor Wu of the Han Dynasty did not hesitate to launch a war and expedition to the Western Regions for it!
"Mr. Zhang, where did you buy this horse?" the coach asked curiously. It's not ancient times anymore. It's impossible to go to war to steal the horse! He guessed that Zhang Yida spent a lot of money to buy it.
"Turkmenistan, there are many such horses in this country!"
"many?"
The coach smiled and said, "The number is relatively speaking! It is said that there are only more than 3,000 such horses in the world!"
"Well, the number is still relatively rare, and it is considered a protected animal. The people of Turkmenistan like it very much, and even print its image on the national emblem and currency."
After saying that, Zhang Yida got off his horse and saw the coach's love for "Xiao Jin". He pointed at Xiao Jin and said, "Come on, ride and feel it!"
The coach waved his hands repeatedly, "That's impossible. I don't dare to ride a horse with tens of millions of dollars!"
"It's okay! It's just like an ordinary horse!"
Seeing Zhang Yida's sincere invitation, the coach stopped being pretentious. After thanking Zhang Yida, he quickly got on his horse, clamped his legs together, and urged Xiao Jin to run out.
Zhang Yida looked at the coach who was galloping with envy. He was not such a good equestrian, and he did not dare to let Xiao Jin run too fast. If he accidentally got knocked off the horse, he might break his bones.
"Mr. Zhang, wipe your sweat!"
Song Caiwei, who was standing not far away, walked over and handed over a white towel.
"Thanks!"
Zhang Yida took the towel and wiped the sweat from his forehead.
"Dong dong dong dong dong!"
The cell phone rang suddenly. Song Caiwei took it out and looked at it and said, "Mr. Zhang, this is the number of Chairman Li Jie of Chengdu Bank!"
"What does he want from me?"
Zhang Yida murmured, took the phone and greeted with a smile: "Director Li, good morning!"
"Hello, Director Zhang!"
The two exchanged pleasantries, and Li Jie said: "Director Zhang, logically speaking, I shouldn't have made this call.
But the pressure within our group is too great, so my old man is here to bother you!"
Zhang Yida guessed that it was about Jincheng Xiaojin, and said with a smile: "You are a senior, if you have anything to say, just say it!"
"That's right. Isn't Jincheng Consumer Finance a little too anxious to cut off the second-offset house business?"
Li Jie said in as gentle a tone as possible, "As people mature with age, he was a little worried about Zhang Yida's youth and arrogance, so he directly criticized him on the phone, which made the scene a bit embarrassing."
"Oh, this thing!"
Zhang Yida smiled and said: “In addition to consumer finance companies, banks and trust companies are also doing the second-offset housing business.
Compared with product interest rates, we can't compete with others, and we can only be secondary customers that others don't want.
The most critical thing is that offline business needs to be developed city by city, which is too slow."
"I know all this," Li Jie said with a smile, "I know that Mr. Zhang, your family has a big business, and you look down on such a small business.
But an annual profit of tens of millions is not a lot for Chengdu Bank. We also have to stabilize the stock price, which has its own difficulties.
My suggestion is that we carry out the brochure loan and offline housing second-offset business at the same time.
Once the kit loan is launched, we will gradually give up the second-offset business for houses.
In this case, everyone can take care of it."
Zhang Yida smiled and said: "It can be like this, but it will slow down the development of online business.
I do have a proposal!"
"Speaking!"
“Before Jinnangdai is launched, let Jincheng Consumer Finance become Yimin Wangjin and the capital end of Yimindai.”
Zhang Yida paused and continued: "Just wait until the loan volume of Jinniandai increases, and then transfer the funds back."
“Are Yimin Wangjin and Yimin Dai still short of funds?”
Li Jie was very surprised. Last time Zhang Yida asked two companies to discuss cooperation with Chengdu Bank, and the financing bank granted the two companies 1 billion yuan and 500 million yuan in credit respectively.
If the loan period is short, say three months, and the money is rolled over, a loan of 6 billion can be issued.
"Yes," Zhang Yida smiled, "their two companies have relatively large loan amounts, with average annual loans of tens of billions, so they have a huge demand for funds."
"This method is feasible," Li Jie asked again, "Then how to calculate the capital cost?"
"How about 8 points? All bad debts will be taken care of by Yimin Wangjin and Yimin Dai."
Li Jie was a little moved, but still showed a very hesitant look, "Eight points is a bit low, Mr. Zhang, the capital cost of P2P is as high as ten or twenty points."
"That's another P2P. Our P2P has brand effect and various halo bonuses, and the capital cost has been reduced to less than 10 points."
Li Jie is no stranger to P2P, which is very popular on the market. He doesn't believe Zhang Yida's nonsense! With overwhelming online advertising, various interest rate coupons and investment red envelopes given to users, how can the capital cost be only 10 points?
"Mr. Zhang, 8 points is indeed too low. There are not many good funding channels on the market like Jincheng Consumer Finance.
You give it 9 points. In addition to Jincheng Xiaojin providing loan funds to Jinnangdai, all the remaining funds are approved by Yimin Wangjin and Yimindai."
Zhang Yida calculated the accounts for him, "Jincheng Consumer Finance can have up to 10 times leverage, and Chengdu Bank can provide 10 billion in funds to Jincheng Consumer Finance.
6 points wholesale to Jincheng Consumer Finance, and Jincheng Consumer Finance wholesales to Yimin Wangjin and Yimin Dai.
You don’t have to take any risks, and you can make a net profit of 200 million a year.”
After hearing this, Li Jie was also thinking, this is a good idea. Directly approving 10 billion yuan to Yimin Wangjin and Yimindai is a bit exaggerated. After all, these two companies do not have formal financial licenses.
Jincheng Consumer Finance is different, it is a licensed consumer finance company.
Jincheng Consumer Finance can also earn some channel fees through this transaction, leaving all the responsibility of collecting the money to Yimin Wangjin and Yimin Dai.
Li Jie has also been under great pressure in the past few years since he took office. A wave of bad debts broke out in the banking industry in Sichuan and Sichuan Province in 2014-2015, which triggered a chain reaction. The revenue growth and profit growth of Chengdu Bank were greatly affected.
A low state.
73% of the loans in Chengdu Bank are corporate business, and the proportion of personal loans is only 27%.
Li Jie was wondering if he could take this opportunity to start up the retail loan business of Chengdu Bank.
The average deposit cost of Chengdu Bank is 1.5%, and it is wholesaled to Jincheng Consumer Finance at an interest rate of 6%, which is a net profit of 4.5 points.
"RMB 10 billion in loans is too scary. Our total deposits are only over RMB 300 billion, and this number includes current and short-term deposits.
Even if I agree, the board of directors will not agree."
Zhang Yida laughed, 10 billion is indeed an astronomical figure for a local bank.
"It doesn't necessarily mean that 10 times the leverage must be fully leveraged. Three to five billion is also acceptable.
For the rest of the balance, Mr. Li, you have a lot of friends and you can also recruit banks from Rongcheng Rural Commercial Bank and other prefecture-level cities.
A family can raise a lot if they pool together several hundred million.
The more you collect, the more Jincheng Spending Money will make, and these profits will be fed back to Chengdu Bank."
This is the benefit of licensed consumer finance. In addition to accepting deposits from shareholders’ domestic subsidiaries and domestic shareholders, you can also borrow money from banks, insurances, trusts and other financial institutions, and you can also issue financial bonds.
"Okay, this matter is too big. Our Chengdu Bank needs to convene a board of directors to discuss it."
Li Jie was really tempted. Rongcheng Bank's profit growth has been weak in the past two years and it really needs more profitable projects.
Zhang Yida has strong assets and, in his opinion, is a very good partner.
After hanging up the phone, Zhang Yida was also wondering if Director Li could raise 10 billion in funds?
P2P funds are too expensive, which has always been a constraint for Yimin Wangjin and Yimindai to pursue high-quality customers and higher profits.
In the previous life, there was an Internet financial model called "loan assistance," and this is what Zhang Yida is doing now.
Including Weilidai and Huabei, they are also following this path. Banks provide funds, loan-assisted platforms, that is, online loan platforms, provide customer acquisition and risk control, and everyone shares the money they make.
In addition to its own funds, Ruixiang's Yongbei and Daibei have been cooperating with the four major banks for lending funds, and also issued an ABS bond.
Yimin Wangjin and Yimindai are a little bit different, so they can only cooperate with local banks. The disadvantage is that the interest rate is high, but it is also much lower than P2P funding costs.
"Law~"
The coach rode Xiao Jin around the racecourse for a few laps. When he came back, the horse's hooves just lifted up and stopped a dozen meters away from Zhang Yida.
It can be seen that the coach is very careful and is afraid of any safety accidents if he gets too close.
The coach led the horse over and said with a smile as he walked: "It is indeed a famous horse with tens of millions of dollars. It can run very fast. Thanks to Mr. Zhang, I got to experience it today!"
"You're welcome!"
Zhang Yida liked Xiao Jin very much, so he went up to him and kept stroking the horse's neck.
Compared to the Bugatti Veyron, he feels that Xiao Jin rides it better.
Before leaving, I took a few cool photos while riding a horse and posted them on WeChat Moments, Weibo, and TikTok.