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Text 0497 War

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    At the beginning of May, Ling Nan was transferred to the board of directors of United Bank. At the end of the month, Qiu Zhizhang resigned. His superiors directly appointed Ling Nan as the new general president, chairman, and party secretary. He was the only person in United Bank who had not passed the vote in more than ten years.  President.  As Huang Guangyao said, the era of extralegal privileges is over, and United Bank has completely returned to the group of the five major state-owned banks.  Two weeks later, Lin Qiang, Qian Bo and others came to the airport together and put Qiu Zhizhang on the flight to Los Angeles. Surprisingly, Chen Xingyuan also came. The two old people hugged each other and said goodbye indifferently. There was no hatred, only freedom and ease.  .  The story of that generation has completely come to an end. They are great, but it¡¯s time for someone to take over.  In June, Jijing Bank and WeChat reached an industrial strategic cooperation, with Jijing Bank responsible for product operations and WeChat responsible for channel sales. At the same time, they launched a "micro-earning" financial product, which users can purchase through the "WeChat Wallet" platform.  Purchases and redemptions can be made for as little as one penny, with no cap, and an annualized rate of return of 3.25% is guaranteed.  This is actually a flexible version of conventional short-term financial products. Customers do not need to go to the bank to purchase and redeem, or sign bundles of contracts. They only need to operate on their mobile phones or computers to complete the purchase.  Profit is calculated daily and the operation is completed within one minute.  Soon, with the love of the market and flexible operation, the annual rate of return of "small profit" exceeded 3.5%.  Lin Qiang finally put himself in his shoes and felt the viral propaganda power of WeChat.  Taking advantage of the momentum, the two parties launched the "Big Money" product in August. Compared with "Micro Money", the investment threshold for Big Money is 100,000 yuan, divided into one, three and five years, regardless of which period.  During this period, its income completely exceeded that of government bonds.  With the excellent reputation of Micro-Zhuan, DaZhuan¡¯s sales have also received a series of good news.  In less than September, its one-year income has exceeded 4%. A considerable number of people have begun to form the habit of using "WeChat Wallet" to manage money, including Lin Qiang himself.  After the craze of WeChat smart terminal communication products.  "WeChat Wallet" has set off a new round of craze. Even though the number of wallet users is much smaller than that of communication products, the value of individual users is hundreds of times ahead of the latter.  Luo Yongsheng¡¯s first step into the financial industry was launched, and the stock price continued to rise. Now, he no longer has to worry about capital and financing.  Lin Qiang is naturally not a coolie, those products are sold through the WeChat platform.  In the end, everything will flow into Jijing Bank. In just six months, Jijing Bank's savings increased by 35%. This may not seem like a large proportion, but in today's struggling banking industry, an annual growth of 5% is already  Not easy anymore.  Even Huang Guangyao of China Commercial Bank.  When the half-year financial report was released, the annual growth was expected to be only 4.3%, which was only about 1/8 of Jijing Bank¡¯s half-year growth.  In fact, no matter who it is, working with Luo Yongsheng is basically guaranteed to make a profit, it just depends on who has the courage.  On the contrary, being bold always requires taking risks.  When the income of a product can steadily exceed that of national debt, it is time for the people above to take action.  First it was the China Banking Regulatory Commission, then the Central Bank, then the Ministry of Finance, and even the Ministry of Industry and Information Technology. Documents were pressed down one by one. People above have discovered that the rise of "WeChat Wallet" will shake the strength of macroeconomic control.  It will also infringe on the interests of industries within the traditional system.  When soldiers came to block them and water came to cover them up, Lin Qiang and Luo Yongsheng began to show off their magical powers, either playing Tai Chi or pretending to be stupid. With the efforts of both interpersonal and public relations, they were able to withstand this wave of pressure for the time being, but further and bigger plans are also coming.  Had to put it on hold for now.  This is the fight against policy.  Continuously and carefully test the bottom line without directly irritating the other party.  With the help of this cooperation, Jijing Bank has survived its reputation crisis.  And Lin Qiang is like a savior.  Being held up to the altar.  Huang Guangyao once said that he belongs to this era. However, under the influence of the mobile Internet, the speed of changes in the times has caught people off guard. Although Huang Guangyao's entry into the Chinese Commercial Bank also brought good results, his brilliance was eclipsed by Lin Qiang's.  It was completely covered up, because Lin Qiang took a different path.  Huang Guangyao may be the fastest horse on the mainland, but Lin Qiang is already evolving wings.  Aiwujiwu, because Jijing Bank has not been listed, its subsidiary Great Wall Group has become the darling of the capital market. Although the popularity of the product has not had a significant direct impact, the capital trend is always one step ahead, and Great Wall Group has become the darling of the capital market.  Apart from WeChat, it is the most favored target of capital pursuit.  After all, the WeChat tree is too big, but Great Wall Group may still have room.  Lin Qiang was walking in the third-floor corridor of the Great Wall Building. Yue Qianli and Qin Zheng, an old man and a young man, were on his left and right sides. One was his deputy and the other was his secretary.  The group staff in the corridor stopped and bowed.  "President Lin." "President Lin." "Mr. Lin."   Lin Qiang nodded casually in agreement.  Now he is valued, needed, admired, and flattered.  Here, no one dares to doubt him or despise him. He has become the savior of the entire group.  On the other hand, what he did was far ahead of his predecessor, and even completely overshadowed Chen Xingyuan's previous influence.  Relying on strength and results, Lin Qiang has established a firm foothold here. Even if he does not rely on Tong Feifei, the actual controller, he can still use his iron fist.  "President Lin" Yue Qianli leaned behind him and whispered, "Well I heard someone call you Director Lin just now." "It's a slip of the tongue, the streets here are full of directors." "Haha, at least explain,  Your status is no less than that of a director." Yue Qianli said with a smile, "Can we plan something" "It's not necessary." Qin Zheng next to him said, "Lin Xing promised not to participate in the board of directors."  "Promise?" Yue Qianli laughed dryly, "Liu Bei promised to revive the Han Dynasty, but didn't he become the emperor and establish a new country? Now that everyone is expecting him, the opportunity cannot be missed." "You are too impatient." Qin Zheng frowned, he and Yue Qianli  Qianli never got along well. After all, one is a radical with a lot of clever ideas, and the other is a conservative. "Lin Xing, isn't this what you want to talk about this time?" "It's something else." Lin Qiang smiled and patted him twice.  People, "Don't worry, I have no interest in the board of directors, and I don't need to be a director at all." "" Even Yue Qianli couldn't guess the meaning of this.  In the conference room, everyone is seated.  First, Qin Zheng reported the financial status and expectations for the second quarter. This is a routine process.  "Due to policy pressure, product sales growth is expected to slow down in the third quarter. Savings growth will also be affected, and our estimate is 6.2%." After Qin Zheng finished his report, he sat down safely.  "6.2 is already very high. It has caught up with the previous year's growth." The young director was very different from his previous attitude. He smiled and clapped, "Since President Lin took over, he has achieved immediate results. He has revitalized the bank in no time. I admire him.  I admire it." Several other directors also followed the words and sent a few words of flattery and encouragement. Now the bank has become the hope of the group.  This is what Cheng Qiang really wants to see.  The group secretary immediately stood up and said: "So, do any of the directors have anything to ask?" "No, how could it be possible?" "President Lin is managing very well, so there is no need for more questions." "It mainly depends on Lin.  Does the president have any needs? Is there anything our group can help with? "The kind eyes focused on Lin Qiang. In just six months, things have changed.  Lin Qiang nodded to Yue Qianli beside him.  Then Yue Qianli stood up.  I revisited Chen Xingyuan's IPO documents and talked about the listing and stock raising.  If I have to say, the current situation is better than when Chen Xingyuan proposed it. The popularity of Jijing Bank has surpassed that of the Great Wall Group. With countless positive influences, it is the best time for IPO.  Once successful, the capital problem that has plagued this place for a long time will be solved, if Lin Qiang wants to.  We can expand hundreds of business outlets within a year, instead of doing it slowly like squeezing out toothpaste now.  Chen Xingyuan¡¯s failure was due to Cheng Qiang¡¯s complete opposition.  And now, in the entire group, who still has this power?  It¡¯s hard to say whether Tong Feifei has any problem, at least not among the directors in this conference room.  The directors had no reason to object.  Approved in principle, the capital operation department will cooperate with the bank to carry out follow-up work.  Although the old director sits at the top, he has completely lost his control over the board of directors, even if he wants to raise objections.  I can't find a suitable reason either.  The eyes that had been cast on him were focused on Lin Qiang.  This is the reality. Those people valued themselves back then because they became strong.  And they now value Lin Qiang because of Tong Feifei and the child who is about to be born.  The old director felt that it was time for him to retire.  At Union Bank, the situation is not so optimistic.  It is true that the investment from Bank of America has made United Bank very comfortable, but the departure of Qiu Zhizhang, Huang Guangyao and Lin Qiang, the three generations of old, middle and young people, and the third-level cadres of high school and junior high schools has undoubtedly shaken the competitiveness of talents to a great extent.  However, the new leaders transferred by Ling Nan and appointed by him are mostly officials and theoretical people. Their performance is not much worse than that of Huang Guangyao. Even if Zheng Shuai does many things, he will be better than them.  .  With the arrival of a group of cadres headed by Ling Nan, a strong sense of bureaucracy loomed in the UnitedIt spread throughout the industry.  With the money from Bank of America, they no longer worry about life and death. Without Huang Guangyao's encouragement, they no longer work hard for performance, replaced by a set of bureaucratic things.  In addition to these, there is another tacit fact that everyone knows, that is, the salary of leading executives has been greatly increased. In the era of Qiu Zhizhang, this number was finally suppressed. As the general manager, Qiu Zhizhang  , the annual income is only about 700,000, Huang Guangyao naturally exceeded one million due to his outstanding performance.  In the second half of the year, United Bank's executive salaries returned to the level of Xing Li's era. In just half a year, the money in Ling Nan's pocket exceeded Qiu Zhizhang's entire year's income. I don't know if this will happen again when counting year-end bonuses.  What's up.  Under the influence of a series of events, many signs that had just emerged were destroyed.  ¡°In the past, many middle-level leaders thought this was their own business, but now they only think it is the country¡¯s money.  Many senior leaders are relatively self-disciplined and hard-working, because they know that one day they may be able to join the board of directors or even become president, but now they are lazy because these are the leaders who have the final say. This is officialdom, not a business.  As for Ling Nan, he has been the head of the Municipal Finance Bureau for many years, so what he is best at doing is spending money, not making money.  Since taking over, a number of projects have been launched, including "Business Self-Service Kiosk", "New Version of Backend System" and other projects that are innocuous but require huge investments.  At the same time, United Bank's investment in advertising and marketing has also increased several times, reaching the limit of the domestic banking industry.  People at Union Bank are getting used to this rhythm.     July.  Zhang Ren resigned and switched to Jijing Bank, becoming the deputy director of the cooperation project between Jijing Bank and WeChat.  He is a lovely person, and the reason for his resignation revealed in private made Lin Qiang want to laugh - "The boss has to use that expensive and stupid team! I have been building suburban outlets for more than half a year, and in the end all Party B was replaced by the leader.  The furniture, construction, and equipment were all changed! Damn it! Besides, the people above dare to negotiate with me, so they should just inform me of the rebate!  I¡¯ll give it to you! I¡¯ll never do any engineering projects again in this life! It¡¯s so fucking stupid!¡± Originally, it was not easy for people like Zhang Ren to invest in building a business network, and he devoted all his efforts to it.  , but in the end he was denied by his superiors because of the project benefits, which he couldn't bear.  After several rounds of moves with the policy.  At the beginning of the new school year in September, a new product was launched - "micro-loan".  If the previous "small profits" and "big profits" have always been experiments, "micro loans" are the real big move. Maybe Luo Yongsheng is really a genius, maybe he is just good at pirating foreign products before others do. In short  This time it is no longer a simple optimization of channels, but a real change of channels.  In the traditional financial system.  People deposit their excess money in banks, and then the banks lend it to people in need. The circulation of money is realized, and banks earn interest rate differences. In this, banks are an essential intermediary.  "Micro-loan" actually optimizes this intermediary.  Just like eBay and Amazon dominated the e-commerce wave, WeChat dominated the "e-finance" wave this time.  On WeChat¡¯s financial platform.  Merchants and individuals can apply for loans, and Jijing Bank will review their qualifications and provide mandatory legal support.  When these loans are approved, they will be announced on the platform, and each individual user can see it, and they can choose whether to lend out the money they have.  The loan purpose and income will be specified in the loan plan.  term, etc., which is equivalent to a simplified version of a bank loan contract.  Users can see all information clearly and transparently, and then combine it with their own conditions to reduce the number to one hundred.  Money ranging from hundreds of millions to hundreds of millions was loaned out.  If the loan is overdue and the borrower fails to repay the loan, Jijing Bank will be responsible for repaying the loan to the investor. After that, Jijing Bank will go through legal procedures and forcibly confiscate and auction the mortgage assets to make up for its losses.  During this process, Jijing Bank and WeChat will jointly charge a 1% service fee from the lender. This part of the fee will be fully borne by the lender and is completely free for users.  1%, which seems very small, is much less than absorbing savings and then lending. More profits are received by users, and lenders also save capital. When they borrow money from banks, the lowest interest rate is 6.5%, but it usually reaches  8%, and on the "Micro Loan" platform, users will invest money if they are given an interest rate of 5%. Even if they pay a 1% service fee, they still save a lot.  The bank¡¯s interests seem to have been squeezed. On the surface, Jijing Bank seems to have lost money by participating in this matter. ????????? But in reality?  The bank did lose money, but it was not Jijing Bank.  Just like the previous product, due to theDue to its convenience, many merchants and even individuals have begun to choose this platform for loans, and those who originally took loans through conventional channels will not change channels so quickly.  The emergence of new channels quickly attracted a large number of users. Many people and companies initially applied for loans with the attitude of giving it a try, but they did not expect that the loan manager of Jijing Bank came to review them half a day later, and a small number of them passed the review.  The loan preparation amount is immediately listed on the platform.  Then it comes to the operation. In the early days of the platform, it was impossible for so many users to dare to invest money like this. Therefore, assuming that the two million loan information was actually invested in scattered ways by Jijing Bank and WeChat in the name of individual users.  1.8 million, others saw that 200,000 was enough, so they began to invest small amounts of money to achieve a loan of 2 million.  Luo Yongsheng is very skillful in playing this set, and all of his products relied on this set in the early stages.  Subsequently, those who invested 200,000 found that repayments were deposited into their accounts every month, resulting in stable and high returns!  It¡¯s actually a monthly payment instead of a yearly payment!  !  This is where the core interests lie!  So they rushed to tell each other, telling their relatives and friends how smart they were and how easily they got bank business!  Luo Yongsheng¡¯s marketing strategy unfolded.  This platform is unique, and there are hundreds of banks.  Jijing Bank is one of hundreds that lends money through traditional channels and strives for interest rate differentials.  ??Jijing Bank is the only one that can earn this 1% through the WeChat platform.  So in the long run, the bank loses money.  But it does not include Jijing Bank.  Lenders and investors will undoubtedly have a win-win situation. The bank's 5% profit has become 1%. On the platform, any loan will give them at least 5% annual income, and it can be as high as 1% over a multi-year period.  8%, or even exceed 10%.  Not only that, according to the loan rules.  Usually borrowers will repay their money every month, and if they deposit their money in the bank, they will only receive interest after one year The first batch of users who are willing to take risks begin to reap the benefits.  But business is not so easy. For the 1% service fee, banks need to invest manpower to review qualifications.  You need to take risks, and in the early stages of the project, you have to face a lot of useless labor.  To this end, the project team has also expanded to 200 people, working overtime day and night. Lin Qiang had to express condolences frequently and stay up late and work overtime with them.  He said, "Comrades, hold on, you will be the masters if you do it." Many times, even Luo Yongsheng came to encourage the project team members.  Encouraged by semi-legendary and super-legendary figures, the project team repeatedly burst out of energy in a high-pressure environment.  But both Lin Qiang and Luo Yongsheng knew that it was impossible to go on like this.  It¡¯s time to establish a joint venture.  There are very few people who can see the future.  "Small profits" and "big profits" make people in banks and groups sit and count their money, so they naturally obey Lin Qiang.  However, "micro-loans" had limited profits in the early stages. What's even more intolerable is that this product is competing with your own bank for business, and it's doing so at a loss.  Within the group, some doubts began to arise, and many people thought that Lin Qiang had gone too far this time.  There is an undercurrent within the industry that this product is too much.  Almost starting to shake the foundation of the industry!  In fact, in recent years, private lending has developed rapidly, and many people have spontaneously bypassed banks.  Although there will be considerable risks, there will also be considerable benefits. More importantly, it is convenient. The bank loan process is too complicated and troublesome.  "Micro-loan" has successfully solved the troubles of these people. It is more convenient, faster and more efficient. Although it will charge a 1% service fee, it is better than being cheated and the boss running away and losing everything, right?  The original private transaction was brought to light, and it was on the most popular WeChat in the country. This made the people at the top no longer sit still. Dozens of banks jointly signed the central bank's request to ban this product. The documents from the top looked like a war.  Books came one after another, and Lin Qiang and Luo Yongsheng began to bear tremendous pressure.  Although they are absolutely clear that this is the trend and this is the future, in the face of the strong counterattack of the old forces, they are still alone. They are just businessmen, and there is still a long way to go before they can be as rich as the enemy and influence the political situation of the country.  At the end of the year, Luo Yongsheng and Lin Qiang's family had a picnic party. After eating, Hu Su and Wang Wenjun made room, leaving Lin Qiang and Luo Yongsheng to talk.  Now the two are not only friends, but also partners and comrades-in-arms. They are fighting a war that belongs to them and only to them.  The future must be like that, it¡¯s just a question of who will do it and when.  "The higher ups have issued an ultimatum." Lin Qiang rubbed his hands and lay alone in the sun with his eyes closed. "If we don't stop platform lending, our bank's business license will be revoked." "Yeah"Luo Yongsheng was also lying down, but he had his eyes open. "Say something.  " Lin Qiang laughed. "I don't know" "I don't know?  Lin Qiang couldn't laugh or cry, "You are Luo Yongsheng, the legend of this era Luo Yongsheng!"  You said you didn¡¯t know!  How to explain this to the people of the motherland!  " "I just don't know" Luo Yongsheng said with a bitter smile, "I'm not a god.  " No one could have imagined that the two big guys would chat like children. Luo Yongsheng then said: "Did you know that the concept of WeChat was proposed more than ten years ago and attracted millions of venture capital investments?  While doing it, they tried to integrate communication software into Motorola's system, and even succeeded in the end.  " "Succeeded?  How did I not hear it being said?  " "Because that company declared bankruptcy.  "Luo Yongsheng shook his head and smiled, "They succeeded. At that time, it was a very innovative and excellent product. Unfortunately, even 2G network was a trendy thing at that time, let alone WIFI.  Who is making it for?  " "" "So, you have to button it up tightly.  Luo Yongsheng gestured, "If it's too early, if there are no conditions, you will definitely fail; if it's too late, it will become someone else's!"  you are nothing!  !  " "Hey" Lin Qiang sighed, "Do you want to give up?  "    "do not give up.  "Luo Yongsheng squinted at the sun. He seemed to be angry, telling the sun, I am not afraid of your glare, I will just stare at you. "If you don't give up, I will lose my job, brother.  " "We pause.  Luo Yongsheng stood up and said seriously, "The current platform still has many imperfections, and the processes and technologies need to be optimized. Let's give ourselves some time and give the world some time."  When the opportunity comes, we must be the most prepared.  " "Will the joint venture continue to operate?  " "Yes, the focus has been changed to strategic research and development.  Luo Yongsheng looked at Lin Qiang and said, "Are you willing to continue doing this?"  If the pressure is too much, I can do it myself.  " "What words.  Lin Qiang stood up and gave Luo Yongsheng a high-five, "Let's make sure we don't interfere with my plan to retire at the age of 40!"  " "You are so leisurely!  Luo Yongsheng scolded, "I'm already reaching 50!"  Don¡¯t fight like a guy in his 20s!  By the wayyou are basically a young man in his 20sI always forget this.  "    "Ha ha!  " Amidst the laughter, the sound of a WeChat message came from Lin Qiang's mobile phone. He looked down and exploded instantly. "I have to go" Lin Qiang stood up urgently, sweat dripping from his forehead. "Something happened to the bank?  Luo Yongsheng said in shock, "The license will not really be revoked, right?"  " "No chores" Lin Qiang packed up his things and said seriously, "Tell Wenjun that I need to go back to the bank in an emergency and help me take her home!  Thank you!  !  !  " "Oh" Luo Yongsheng couldn't figure out what could cause Lin Qiang to be so anxious. The most important thing was that he hadn't told himself yet!! Lin Qiang drove toward the city at full speed. The phone next to him only showed three words.  A word. ¡°It¡¯s about to give birth.  "
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