"Chen Xi, what on earth is going on? I don't quite understand." Zhao Lingshan asked in a low voice. Although she studied well in school, only experienced people in finance understand this kind of thing.
"What I just said above , There are pros and cons, but the people who benefit are all... By the way, Feng Yun just asked me to come on stage to say a few words, and Brother Feng also asked me to say a few words... Let's see what Feng Yun said first. "Chen Xi. The explanation was unclear, which made Zhao Lingshan even more curious.
Soon, the people from the bank finished speaking, and the next ones to come were the CEOs of well-known companies.
These people come up to cater to the agency and other departments, flatter them and praise them for their wise decisions.
Feng Jian, as the boss of Aba Aba, is currently a well-known figure on the Internet, even more famous than some celebrities.
Feng Yun stood up, walked near Chen Xi, glanced at him, made a gesture, and then strode forward.
As soon as he went up, all major media focused their cameras on the stage.
“Hello everyone, I’m Feng Yun... Today’s conference is about financial reform. The leaders just now and CEOs from different industries talked about the new regulations that will be launched soon, so let me also talk about my My opinion... This is not just my opinion, it is very The thoughts of many entrepreneurs. There are many problems in the current financing process, but everyone knows it, but they dare not say it, so as for me..." Feng Yun opened his mouth and dared to raise the 'problem'. Many bosses touched their chins with interest.
"Oh, I've reminded him before, why can't Old Feng help himself?" The man who persuaded Feng Yun at the door with his "sincere words" pretended to be sorry.
"Hey, are you still worried about him? Among us bosses, he is the most talkative. If you go up there, you probably won't be able to say a few words for a long time." The person next to him teased.
Feng Yun looked at the audience.
To be honest, he was still a little nervous inside, but he had already said what he said before, so he could only bite the bullet and continue: "There are big problems with the current financing methods and processes. We entrepreneurs, companies Nowadays, the boss’s net worth is not even the billions. Countless. But why is it so difficult to 'borrow' money? I have gone to the bank for loans since I started my business. However, I didn't have anything valuable as collateral at that time, so I couldn't get the loan. I have nothing to say. But now I am a boss worth hundreds of millions. Financing is still so difficult. The boss sitting here must have encountered the same situation. The current financing cost is too high. One hundred million actually requires a service fee of one point to three points, and some even as high as ten points. Above. If I get one billion, I will give others one hundred million in vain. What business needs to be done to make up for the lost money?”
Feng Yun’s words made the people in the organization look ugly. This kind of thing is already an unwritten rule, but Feng Yun actually took it seriously. Saying it in front of so many people is like a slap in their face.
Why is this?
First of all, let’s talk about why the bosses of major companies like to set their headquarters in a place like Huajing.
That's because this is a special city. Although Magic City is known as the city with the first comprehensive economy in the country, in a certain sense it cannot be compared with Huajing at all. In Huajing, there are many things that even the devil can't do, but they can be done here.
Let’s talk about financing issues.
As we all know, there are many cities across the country, and there are basically financial companies in each city.
Enterprises need funds, and the first place they go to for loans is banks. If they cannot be approved, their second choice is to find other financial companies.
Then the problem comes, not all financial companies can meet the needs of every enterprise.
What if a company needs 100 million, but the financial company feels that the risk is too great, or it doesn't have that much money on hand?
Then a certain manager or CEO of this company will send the details of the financing to Huajing.
As a result, financing projects across the country will basically converge on Huajing, which is one of the reasons why Chen Xi receives so many project plans in his mailbox every day.
The CEOs of these financial companies across the country go to such great lengths to help those companies with financing because they want to get a share of the service fees.
If Huajing's financial company can't handle it, he will find someone else who can handle it.
The cost of establishing this layer-by-layer relationship can be imagined.
But the final outlet for this capital is often banks.
Chen Xi was sweating on his forehead after listening.
What did Feng Yun want to do? His words probably offended countless people.
You know, if a company completes a few orders every year, it will get hundreds of millions of intermediary service fees to help companies raise funds. Even if it is distributed to others, hundreds of millions will still arrive. , it is simply a huge profit industry.
Chen Xi came into contact with this business when he first arrived in Huajing, and he still understands it very well. The loan assistance companies that are spread all over the country are mini versions of one of the businesses of this investment company.
Many entrepreneurs present have suffered greatly from this, and their debts are increasing.
The big bosses that most people see on the Internet appear to be prosperous and worth billions of dollars, but in fact it is difficult to raise funds.
Ordinary people think that banks only lend money to rich people and not to poor people. But they don't know that rich people have to pay a huge price to borrow money. For a long time, they can only offset the money from intermediary services and interest by doing huge profit business.
As for why what Feng Yun said made people at the bank look bad, it is because financial companies wear the same pants as banks when it comes to financing.
Banks will first use the excuse that corporate loans are not up to standard, and then use financial companies to collect benefits before lending to companies. Or two financial companies cooperate to increase the cost of financing.
Anyway, the ones who end up footing the bill are the bosses who want to raise funds. Banks and financial companies are thinking about how much they can make, so they raise service fees like crazy.
You know, those big companies can easily spend hundreds of millions, billions, or even tens of billions on certain projects. You still need to find several financial companies to get this money. The service fees of each company are different. Often, if you are short of a small amount of money, the boss will bite the bullet and give a service fee of more than ten points, which is pitiful just thinking about it.
One of the reasons why the Xu family was ruined was this, which also led him to feel that he must not have enough money, so he started squandering money, choosing to live one day at a time.
However, this situation is common everywhere. Think about it, Smith from ANZ in Tu'ao also took Chen Xi's service fee before choosing to lend money, but there was no intermediary link.
"Damn it, this guy is crazy, how dare he say anything."
"It's so fun. I've long been unhappy with the current financing costs. The expenses are getting higher every year. Who the fuck? I can't bear it anymore."
"Although I usually find Feng Yun very annoying, he just said what I really want to say."
The bosses in the audience were talking to each other in a low voice. With.
“TMD, this guy wants to destroy our jobs.”
"You just got so much money from us, and now you are turning your back on us?" "The bank will not lend him money in the future."
"Yes, that's right, it's just a supercilious look. Wolf.”
The CEOs of several banks looked livid.
You must know that these things are illegal, but they are all things that the bank tacitly approves of. Now that such shameful things are suddenly brought to the table, everyone would be scared and angry.
If this is not done well, all the bank CEOs will be laid off.
Feng Yun looked at several bank executives who were swearing. He secretly wiped the sweat from his head and said, "I haven't finished speaking yet, so don't be nervous. Now. There are many people who have difficulty in running small businesses or have difficulties in daily life. They are not easy to borrow money from relatives and friends. So what should they do since Aba Aba Group launched Alipay? It’s just our phone It is just a payment tool for e-commerce platforms. After being separated from the e-commerce platform and operated independently, it has added life functions. The number of users has increased rapidly, and now it has reached a certain scale. Now our Alipay plans to launch a new consumer credit product... "
Chen Xi sat in his seat and listened silently. Feng Yun did not name the consumer credit product, but he knew that it was the famous Huaba in his previous life.
In the past, Chen Xi often saw some idiots on the Internet thanking Feng Yun for lending them money, saying that banks would not lend them money, and Hua Bar would not dislike them for being poor.
These people never consider why they are poor, but instead thank others for lending them usury. Therefore, there is a reason why people are poor. First, the causal relationship is not clear.
Feng Yun continued to speak on the stage. He separated his consumer credit products from those of the bank, giving full play to his ability to talk.
In itself, his flower bar is similar to credit cards and consumer loans, but under Feng Yun's explanation, it actually makes people feel that it is completely different and reasonable.
"What I just said may have misunderstood some bank CEOs. I will explain it in detail next. We Ababa Ababa are definitely not competing for business with banks, but cooperating with you. Everyone. Everyone knows that Aba Aba’s main business is e-commerce, and it is currently the leader in the e-commerce industry. This is all due to our business model, which is small profits but quick turnover. Since this model is so successful, why can’t we. How about applying it to the financial industry? You must know that banks have requirements for lending, which results in a small number of customers, and not everyone is willing to go to the bank for a loan. Some people don’t like those cumbersome processes. So... the new product we launched can perfectly match the bank, saving customers the tedious borrowing process and quickly connecting with the bank..."
Feng Yun did not say it directly, but everyone understood it.
That is to take the bank's money and lend it to others. As long as Huaba has more users, the bank will eventually be the beneficiary.
This caused the bank executives, who had looked unhappy just now, to discuss privately with great interest.
Isn’t this model what Feng Yun calls small profits but quick turnover, but this ‘small profit’ is for banks. Feng Yun can use this to borrow money from banks and ask for low interest rates. However, when he lent it to people at the bottom, it was not a small profit.
What Feng Yun said is different from traditional private lending companies and online loans. Huaba is hovering between over the line and not over the line. That is the so-called 'regular'. The most important thing is quantity. big. Based on the number of users of AbaAba, these borrowers are such a terrifying number. Those bank executives are excited just thinking about it.
"Ha." Feng Jialun and Rogers chuckled, looking a little disdainful.
Both of them look down upon this method of making money.
From this moment on, CEO Feng Yun has been eliminated from the title of outstanding entrepreneur in Feng Jialun's heart.
"This guy is really eloquent. Didn't you say he wanted to trick you? What are you going to do?" Zhao Lingshan looked at the man talking on the stage and asked Chen Xi in a low voice.
"Haha, he was just there to trick me into speaking on stage, so I'll go up and give him a big gift." Chen Xi replied coyly.
His words immediately attracted the attention of Feng Jialun next to him.
"Hey, do you have anything to say? Are you going to go on stage to say it later? Weren't you coy and unwilling to go up before?"
"Brother Feng, I'm really afraid of causing trouble for you. As for the credit report issue, I want to say, do you dare to let me say it? I went up to speak on behalf of Huakai Capital. Aren't you worried that people from the bank will do it in the future? Making things difficult for you?”
“Haha, Yin You think too much? I brought you here today just to see how courageous you are. I can’t go up and say it, but you don’t have to worry about Hua Kai. , it seems to be stronger than you think. I’m still preparing to deal with Feng Yun.”
“This guy treated me like a child and brainwashed me just now, but he really made my blood boil. I have to say, his eloquence is really amazing. First-class. If it were done in ancient times, he would definitely be able to do it. Come out of a sect..."
"Oh? You look confident, have you figured out a way to fight back against him?"
"How can this be considered a counterattack? Contributing to society..."
Chen Xi raised the corners of his mouth and winked at Feng Jialun.
Feng Yun carefully glanced at the bank executives not far away and saw that their attitudes were not as aggressive as before, so he secretly breathed a sigh of relief and felt complacent about his eloquence in his heart. .
He has long been unhappy with the people in the bank. Today he not only teased them, but also allowed those people to choose to continue to cooperate with him, and he was also able to promote his new products. It was like killing three birds with one stone. .
And many of the 'tech' big guys here have faces as ugly as eating Xiang.
Is this okay?
The nationwide loan business will be monopolized by Feng Yunhe Bank in the future, so they are just playing ball. The loan platform they worked so hard to build before will become a bubble in the future.
“Damn it, I just invested several hundred million and got a loan, and it’s over this time.”
“Damn it, I just got dozens of A financial lending company..."
" Fuck, Feng Yun’s trick is really vicious. He knows that our number of users is not as large as his, so he monopolizes the market as soon as possible..."
"His mouth...is really the best in the world...he can do anything dirty. Said to be white..."
These bosses didn't care whether it was a big deal or not, and started cursing one by one. (End of this chapter)