"Do you have any opinions on Xingchen Bank's business strategy?"

Liu Yi doesn’t know much about banks. The one we usually contact most is commercial banks, including storage funds, personal mortgage loans and car loans.

China's banks are the simplest in terms of operation. Before, Chinese people liked to store. However, since the world economy, the storage rate of Chinese families has been rapidly decreasing, and the debt ratio has actually increased.

What is the reason?

It's the house price!

The continuous rise in housing prices has allowed Chinese families to take out the savings of generations.

The country makes money from the people, and this is the characteristic of this era.

Local finance needs high land price transfer fees to maintain, and for this reason, real estate prices are also rising.

Everyone looked at each other, and finally their eyes fell on the executive vice president of Star Holdings.

Within the company, the executive vice president is in charge of internal management.

The rights are quite large.

Seeing that everyone was looking at him, Fang Luo couldn't help but scratch his head. He knew a little about this bank, but he didn't know much about it.

Xingchen Holdings often deals with banks, but basically when facing banks, Xingchen Holdings performs quite strongly.

"I think we should work hard on small and medium-sized enterprise loans and personal loans!"

It is difficult for small and medium-sized enterprises to obtain loans from banks in China. This is also closely related to the development of small and medium-sized enterprises.

First of all, the debt relationship between small and medium-sized enterprises. The complex debt relationship makes it difficult for banks to guarantee their right to be paid first.

The lack of fixed assets and credit records makes it quite difficult for small and medium-sized enterprises to handle mortgages and credit loans.

As for personal loans, this is a very good project for banks. As long as you do a good job of reviewing personal loans, the risk is basically not too great.

Especially mortgage loans, for banks, are basically considered zero-risk loans.

The bank is now confident and bold in carrying out mortgage work.

"Well, is there any?"

Liu Yi nodded, this is OK.

Xingchen Holdings must choose a group of small and medium-sized enterprises to support it.

Many small and medium-sized factories, although they only produce simple parts, China's entire industrial system is really inseparable from them.

"We can conduct in-depth exploration on personal consumption loans!" Bai Lu said lightly. As the head of the investment department, she naturally attended this meeting. She was very annoyed about meetings, especially the meeting she was not hosted by herself.

If it were the meeting he chaired, Bai Lu would think there would be no problem.

The establishment of Star Bank is also a good thing for the investment department.

The confidentiality of the entire fund of Xingchen Holdings is a considerable improvement.

Now, Xingchen Holdings has to use funds, and it will soon be spread everywhere. Due to bank reasons, Xingchen Holdings has had several investment leaks.

Fortunately, it did not cause much loss, but Bai Lu also maintained deep doubts about the confidentiality ability of domestic banks.

"Personal consumption loan, this is good, let's talk about it in detail!"

"This can be combined with Yipai. Yipai has more than 100 million users now!"

Fang Luo: "Now Yifu has registered users reaching 120 million, and the active users are about 80 million!"

The valuation of Yipa, a payment software placed under Xingchen Technology, is quite high.

If it is taken out alone, it would be a completely easy task to exceed 100 billion.

You should know that Yipai is bound to WeChat and JD.com, and Yipai has an advantage in the field of mobile payment.

Now Xingchen Technology is vigorously promoting offline payment, and Yipai's market share is increasing.

"For so many users, we can establish our own credit system to provide personal consumer loans to users with good credit."

China has not gone through the credit card era, or in other words, when the credit card era just improved, it was destroyed by the Internet finance era.

The vigorous development of mobile payment in China has a lot to do with the fact that China does not have so many historical burdens.

To put it bluntly, China's economic development can be said to have developed from a poor and poor person.

Before the reform and opening up, what was the Chinese economy?

The most fundamental thing about China is the complete industrial system!

This is the internal driving force for the rapid development of China's economy.

However, if we consider the industrial system, we will find that China is backward in many aspects, which can be said to be a comprehensive backwardness.

Being backward is also beneficial, that is, when new technologies emerge, they can be promoted without any resistance in China.

If mobile payment is promoted in the United States, it will affect the interests of many interest groups.

Liu Yi was shocked to remember a way of remembering the memory.

JD Baitiao and Alibaba Huabei!

These two products are actually bank credit card consumption.

However, after being launched by the two companies, it is an Internet product and is very convenient to use.

Internet products have one very important feature, that is, convenience.

Because it is convenient, it is used more people.

It is often troublesome to go to the bank to apply for a credit card.

As long as the conditions are met, it will be directly activated for you.

"I suggest that Xingchen Bank be put together with Xingchen Technology's Internet financial products under Xingchen Finance."

Xingchen Finance now has Yi Payment and Huayuan Xingchen Securities.

Xingchen Finance has no reputation, but its strength is beyond words.

"Yu'ebao is also placed under Xingchen Finance?"

"right!"

Liu Yi waved to Chen Baitao, signaling her to come over and said, "Call Fang Ruoshan and ask Xingchen Technology to apply for a temporary suspension of trading!"

"What's the reason?"

Chen Baitao was stunned for a moment. The stock price of Xingchen Technology has fluctuated quite strongly recently. It can hit the daily limit in the morning and hit the daily limit in the afternoon.

The stock price of Xingchen Technology is obviously someone is making a mistake.

However, Xingchen Technology has no reaction at all in the face of fluctuations in its stock price.

The CSRC did not respond at all, and this made it seem a bit abnormal.

The CSRC should have investigated the stock price fluctuations like StarChen Technology! It is very obvious that someone is manipulating it.

Although Xingchen Technology is now large in market, there are very few stocks circulating on the market.

Liu Yi and Xingchen Holdings, plus Tao Yueqins, the stocks in the stocks in the company will not be traded, and a large number of investment institutions hold Star Technology for a long time.

Since this way, there have been really not many stocks trading in the secondary market.
Chapter completed!