Li Hengwu is the second son of *** and grandson of ***.
However, she became someone else’s bride!
Zhang Yida coughed twice and said, "What, I wish them a happy marriage! Have a good baby... good health!"
"Why!"
Li Hengbo sighed, "Stop teasing me. Every family has sutras that are difficult to recite."
Zhang Yida expressed his understanding of this and did not struggle with this issue. He said with a smile: "Just because of our relationship, the Li family has to give me two digital banking licenses, right?"
"What? Did I hear correctly? You want two?"
Li Hengbo's sharp voice came from the phone.
Zhang Yida slaps his mouth, why does it feel like Li Hengbo is a bit effeminate?
But don't be infected by his cousin, stay away from dangerous people like them in the future.
"Ruixiang, Yimin Wangjin, Yimin Wealth, Yimindai, Ruixin, these are 5 companies. One company is not too much, right?"
Li Hengbo laughed, "Brother, besides Ruixiang, do the other four companies have anything to do with us?"
Zhang Yida secretly thought that he had made a mistake. He had known that he should have completely tied Temasek to the chariot.
"Well, for the sake of my friend's sake, in addition to Ruixiang, four other companies have formed a consortium to apply, and you will grant me a digital wholesale banking license."
Li Hengbo smiled bitterly, "Do you really think Singapore belongs to our Li family? Our aunt spoke out in the media and strongly opposed the succession of the third generation of the Li family."
Zhang Yida knew who the "aunt" Li Hengbo mentioned was ***, his youngest daughter.
She is also a strange woman, she is over 60 years old and has never been married.
Although they very much recognized their Hakka identity, Mr. and his son deliberately put aside their blood connection with China and never returned to their hometown to worship their ancestors.
Some politicians of Chinese descent in Asia, when necessary, will go to China to seek their roots and worship their ancestors, or to recognize their Chinese ancestry.
For example, Lien Chan, Jiang Xiaoyan, and Lu Xiulian from Wanwan; Corasan, Aquino, and Duarte from the Philippines; Chuanlupa, Thaksin, and Yingluck from Thailand; Roh Tae-woo and Roh Moo-hyun from South Korea;
Former Malaysian Prime Minister Abdullah Abdullah also maintains contact with his Malay relatives in Qiongdao;
Even Suharto, the murderous Indonesian president, quietly visited his ancestral home, Xinghua, in the Fuzhou area before he fell seriously ill.
"Both licenses are not enough? How about this? Mix some of your local companies and we jointly apply for two head offices, right?"
Li Hengbo felt it was still a bit tricky. With so many pairs of eyes staring at him, they didn't dare to be too partial.
"In this case, let me ask Aunt Jing for instructions."
Zhang Yida immediately realized that the "Aunt Jing" the other party was talking about should be Temasek CEO Ho Ching, who is also the First Lady of Singapore and is quite energetic.
"Okay, I'll leave it to you. My bottom line is that Ruixiang controls a digital bank, and four Yimin companies control a digital wholesale bank."
Li Hengbo felt that Zhang Yida was still too greedy, and said with a smile: "Let me tell you this, as Grab is the largest Internet group in Southeast Asia headquartered in Singapore, they must have one, and Sea can also get one.
Leech Financial took another one, Ruixiang took another one, and gave another one to the local consortium.
The five license plates have been divided up now, how can there be more.
Anyway, it will be open later, why don’t you take one first and wait for the second one to open in the second phase?”
Zhang Yida thought this plan was okay, but he still told Li Hengbo to pay more attention to this matter and accept him as a favor.
…
"How's the harvest going?"
Zhang Yida left Fan Hongyang and Fang Yuhan alone and became concerned about the top priorities of the two companies.
Fan Hongyang said with some shame: "Sorry, Mr. Zhang, the company has really tried its best, and there is still 65 billion to be collected."
"We are still a little short of the set target, and there is still 22 billion to be collected."
Fang Yuhan sighed, "In addition to these problems, there are also some new problems."
"What's the problem?" Zhang Yida asked.
"Escape from debt!"
Fan Hongyang's eyes were serious, "Because P2P is now experiencing a series of thunderstorms, and the country is also retreating.
Therefore, many borrowers mistakenly believe that they do not need to pay back the money they borrowed from P2P.
Because there was no credit report, the platform collapsed, and no one came to collect the debt.
If you borrow this money, you will earn it."
Fang Yuhan nodded, "Yes, there are many such people. What's more, they organized an "Anti-Collection Alliance" group.
In the group, a group of loan sharks comfort and encourage each other, and even share their experiences in fighting debt collection."
Fan Hongyang took out his mobile phone, opened the pictures one by one, handed them to Zhang Yida, and said: "Mr. Zhang, take a look, it is so rampant now, the situation is not optimistic!"
Zhang Yida took a look and saw screenshots of some QQ groups and WeChat group chats. The content talked about various anti-collection strategies and tricks.
"You are afraid of collection. Do you know what collection is afraid of?"
"Record the collection agent to irritate him. If he dares to curse, I will immediately complain to him with the recording."
"Yes, there was a severe crackdown on March 15 this year. These financial companies are not afraid of death and let them come."
…
Zhang Yida pinched his eyebrows, what a fatal blow!
Nowadays, any company that dares to be too high-profile will be treated as a routine loan and will not be dealt with.
"The most serious thing is the emergence of anti-collection intermediaries and anti-collection companies." Fan Hongyang said with a serious face, "Because of the algorithm mechanisms of platforms such as Dioshu and Kuaishou.
If you are interested in information such as collections, loans, and liabilities, the algorithm will recommend these related accounts to you.
This whirlpool effect soon involved all borrowers on the short video platform, forming a new anti-collection alliance.
This is like setting up torches in the dark. Everyone has a goal and quickly gathers together.
In the past, members of the anti-collection alliance were just scattered troops, but through these short video platforms, they have begun to form a huge army with core leaders.
Currently, there are hundreds of these slightly famous accounts on multiple short video platforms such as DouYu and Kuaishou.
Their number of fans ranges from thousands to tens of thousands, forming an anti-collection alliance of at least millions of people.
In addition, the leaders of the anti-collection alliance are extremely professional.
These leaders mainly fall into three categories: one is those who have encountered debt problems themselves and come to share their experiences;
One type is loan intermediaries. When their business volume dropped, they switched sides and joined the anti-collection camp.
The third category, which is also the most lethal, is the new wave of people who have joined the group and have worked in finance and debt collection.
In their words, so many people in the debt collection industry have been arrested, yelled at and beaten, and often complained about, which makes them very stressed.
If you don’t want to waste your expertise, just join the enemy camp!”
Fang Yuhan took over and said, "Now the anti-collection strategy is developing in a team-oriented, centralized and professional direction.
With the joining of these leaders, their group has become more and more adept at dealing with debt collection.
In the past, borrowers would respond to debt collection calls in a submissive manner and would not dare to speak back even if they were scolded.
It would be better now to take the initiative to call and flirt with the girl who is doing collection work.
It’s not just us who deal with mutual funds, commercial banks, licensed consumer finance companies, and credit card debt collectors all dare to deal with us like this.
Take the concept of "interest suspension and suspension of accounts" as an example. According to Article 70 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks":
In special circumstances, if the amount of credit card debt exceeds the cardholder's ability to repay, but the cardholder is still willing to repay, the card-issuing bank can negotiate with the cardholder on an equal footing to reach a personalized installment repayment agreement. The maximum period shall not be
More than 5 years.
This means that if you cannot repay the money, you can negotiate with the bank. One option is to stop increasing interest and slowly repay the principal.
Many borrowers don't understand this, so there are professional financial talents who teach them how to do this.
Argue with the bank, complain on the phone, and try to negotiate a solution.
If the bank disagrees, go to the China Banking and Insurance Regulatory Commission to file a complaint and ask for a suspension of interest rates.
Even these professional anti-collection companies have templates for saying things, including company bankruptcy, personal illness, unemployment, or even mother diagnosed with cancer...etc.
These companies use short video accounts to gather borrowers, attract them to WeChat accounts, and start selling their anti-collection services.
For example, paying for knowledge, business school courses, buying memberships, charging 10%-20% service fees, etc.”
Fan Hongyang said earnestly: "The purpose of the anti-collection alliance is only to obtain service fees from borrowers, so it only pursues short-term interests. In the long run, it will harm these borrowers.
For some unreasonable demands, financial institutions may appear to compromise, but will put these borrowers on a dishonest list, making it difficult to borrow money in the future.
Of course, for some platforms that launch anti-aircraft guns, especially those that bundle insurance to covertly cut off interest rates, I think this kind of refund is reasonable.
But this is not the case for Yimin Net Finance. From operation to present, I dare to say with all my heart that we have never issued a loan with a compound annual interest rate exceeding 36%.
Including any handling fees, it definitely does not exceed 36%.
Enterprises like ours are innocent!
Profits are already thin, and if things get messed up like this again, I’m afraid we’re going to have a loss report in the second quarter.”
Fang Yuhan suggested: "Mr. Zhang, I wonder if we should unite with relevant departments to crack down on some profit-making intermediary companies.
We can ignore other people's affairs and dare to make trouble over our heads to make them look good.
Only by knocking the mountain and shaking the tiger can the situation be stabilized."
Zhang Yida pondered, this situation is different from the loan fraud in Tazhai Village.
Even commercial banks can't deal with these people, what can I do?
Change the short video recommendation algorithm?
Call the police?
Sending text messages to borrowers, correct guidance?