"What are you talking about? Are you so happy?"

A lot of people came to Qingyun Investment's wealth feast. The top executives of the group got together for a small meeting which ended quickly. As soon as I walked out, I ran into Wang Jianning, Wu Guanjun, and Zhang Weiqiang who were chatting animatedly.

Sun Hongbin greeted several other executives and approached them, "Waiting for me, why don't you go and swing a few clubs? Or I can go and sing a few songs with Mr. Wang."

"No, no, we're just chatting."

Wang Jianning made room for him and said with a smile, "I just heard from Lao Zhang that the real estate company has received a large amount of money and is preparing to make a big splash in the real estate industry. Why don't we continue to deepen our cooperation?"

"You mean the Yida Plaza thing?"

Although Sun Hongbin is specifically responsible for the Shenzhou Electronics business, he also serves as the chairman of the Yongchuang Group. Zhang Weiqiang, the president of Qingyun Real Estate and the property company, was originally the vice president of his company.

He has a lot of say in the group's real estate business and has done a lot of research, so he said, "I was just about to tell you about this. Yida specializes in commercial real estate and is not very interested in commercial residential properties.

Yongchuang specializes in commercial residential development, while Longfor focuses on commercial apartment leasing. The three of us complement each other's strengths. Now the real estate company has raised a large amount of funds from several funds.

It would be a waste if we only use the money to buy properties that have already been built or are waiting to be renovated. It would be better to establish a deeper level of cooperation with Yida, such as opening another 200 Yida Plazas across the country in the next five years.”

“Forty a year?”

Wang Jianning took a deep breath. He just wanted to get some money from Qingyun, but now he was making such a big move in one go?

“Well, Mr. Li’s original words were that the group should further bundle local resources to create better conditions for the implementation and promotion of other businesses, but what about the resources currently controlled by the group?

There is no way to generate huge economies of scale in a short period of time. The Internet economy is too concentrated and can only develop and settle in a few cities. It is difficult to transform it into covering major cities across the country.

Yida Commercial Plaza is currently focusing on site selection and construction, investment promotion, management and operation, attracting popularity, creating jobs and tax effects, with profits and taxes exceeding 100 million yuan in a city and over 10,000 employees.

Wherever he goes, he is always a guest of honor. Especially the assembly line operation mode that was put into operation within 18 months is most suitable for resource blending and creating a favorable environment for other businesses of the group."

After Sun Hongbin recounted the original words, he could not wait to say: "At present, Yida has only completed the initial coverage in first- and second-tier cities. The next step is that you will inevitably develop towards the sub-center cities of each province.

As for Longfor, in addition to commercial apartments, the next step is to move towards business office buildings. The four of us will work together.

Yida builds the plaza, Yongchuang develops high-end commercial communities in the surrounding area, Longhu builds commercial apartments and business office buildings, and Qingyun follows the old rules and is responsible for financial support. How do you do that? "

Wu Guanjun certainly had no objection, but he was worried about the insufficient demand for business offices in second- and third-tier cities.

In response to the doubts, Wang Jianning took the initiative to explain: "The cost of acquiring land in second- and third-tier cities is very low, and with Qingyun Group providing funds behind the scenes, there is no need to worry about anything.

In addition, the investment locations are basically still within the urban areas of prefecture-level cities, which gather wealthy people among the population of millions. Even with a little publicity, there may not be great business prospects.

However, it is still profitable to build a medium- to high-end commercial office building of about 100 square meters with partitions, rent it out or even sell it to small and medium-sized companies, and be responsible for after-sales maintenance.”

Then he turned to Zhang Weiqiang and said, "Tell me the truth, will it be too much to support the construction of 40 Yida Plazas at the same time?"

"It shouldn't be too difficult."

Zhang Weiqiang thought for a while, "In addition to the U.S. dollar currency, the company needs to continue to invest overseas. As for the remaining RMB assets, half of them are allocated in the stock market, and the other half are basically in the real estate industry."

Funds raised by the foundation will generally not be used for venture capital investment. The unified statement to the outside world is to ensure the safety of funds. In fact, it is because most of the invested companies are friendly cooperative businesses.

Everyone knows each other well, and there are group orders to support them, such as orders to BOE and Qingyun Electronics, which are friendly companies that provide supporting construction, and industry leaders that the group will be involved in on a large scale in the next step.

Investing money in it is a sure win, and with Li Zehua himself acting based on the brand impression he is familiar with, they have been able to stand out in history, and now there is additional funding.

There's no reason why it would do worse, right?
Zhang Weiqiang didn't know all this, but he knew that the three industrial funds of ACD alone could raise nearly 10 billion US dollars, and the shares of funds settled in RMB would not be redeemed.

Instead, according to the group's plan, a portion of the overseas funds and foreign guarantees and domestic loans will be reduced to fill the shortfall, as for the remaining RMB.

Without exception, all will be distributed in proportion to Qingyun Real Estate Company, plus the employee stock ownership platform, with each person receiving 50,000 shares, based on the current base of several million employees in the group and friendly companies.

Even if only half of the people invested money, it would be tens of billions of RMB. At this time, the housing prices in the most core areas of second- and third-tier cities are only a few thousand yuan.

In the same location and with the same area in first-tier cities, a Yida Plaza costs one to two billion yuan. Even the Yida Plaza in Pudong, Shanghai, requires an investment of five to six billion yuan (excluding Qingyun headquarters and supporting facilities).

In a small inland city, it can be done with tens or hundreds of billions of dollars.

Of course Wang Jianning would not refuse. He immediately arranged for his subordinates to make a plan based on the scale of 40 commercial plazas per year and prepare a project preparation team.

After finishing the work, he asked again, "Is Mr. Li done with his work? I have something else to ask him. Recently, several venture capital firms have come to us to discuss cooperation with theaters and big entertainment.

He also said that he approved it. Is that true or false? "

Sun Hongbin shook his head. "I don't know about this. The boss was taken away to discuss something as soon as he came out. I'll ask for you later."

Li Zehua was too busy. Too many people came. He kept moving between various forces and made countless promises. Of course, he reaped a lot of rewards. Countless foreign funds came in with checks.

Faced with a business that is sure to make a profit, wealthy people hardly take money seriously, fearing that they will get on board too late and not be able to grab enough share.

There were also those who took a different approach and directly blocked Yao Xiangjun's way to inquire about the information of Industrial Fund B's employee stock ownership platform. After getting the answer they wanted, they patted their chests and made guarantees on the spot.

"Our factory is one of the most important suppliers and partners of Chaoxu Electronics. More than 10,000 people in the factory are grateful to Qingyun Group for giving us a chance to work. Since President Yao said that we welcome employees from other companies to invest in our factory,

I am not talented, but I would like to express my opinion on behalf of all the factory workers. All of them should invest, 50,000 yuan per person, right? Give me half a month to collect the 600 million yuan and I will send it to you."

Yao Xiangjun looked at him speechlessly, then looked at the business card and understood. It was an electronics factory in Jiangsu Province. The owner was Chen Jiaxiang, a native of Fujian Province, the place where people stick together the most.

"Mr. Chen, will you please reconsider it? What if someone is unwilling?"

“No, if anyone is unwilling, the company can take over.

Don't worry, the company attaches great importance to the cooperation with Qingyun. To show my sincerity, I am willing to pay out of my own pocket to equip all business, management and other teams in the company with Roewe mobile phones.

The minimum purchase amount is 2,000 or more.”

"Then on behalf of Rongwei Electronics, I would like to thank Mr. Chen for his support."

"Okay, okay, we are all family."

Chen Jiaxiang had already planned that Qingyun promised a guaranteed return of 6-10 percentage points every year, and the investment direction was booming real estate projects and expanding operations, with the shares of Qingyun's subsidiaries as guarantee.

Look at 吃了ｍａ, Hummingbird, Yunyunbang, and Qingyun Electronics. Which company has not developed into a leader in the industry?
Even though Qingyun Agriculture is temporarily making a loss, it is a long-term business. It is a high-quality project that used to be so hard to find that all employees are now allowed to hold shares.

Then we have to act quickly?

It doesn't matter that he doesn't have that much money. He can just go back to his hometown and call all his relatives and friends at home and abroad, and everyone can pool together and raise 600 million in minutes.

Invest in Qingyun Group and share the dividends of development, which is a guaranteed profit!
If it were someone else, they might worry that it was a Ponzi scheme, trying to raise some money and run away or something like that, but since Li Zehua himself signed the joint and several guarantee, who would be afraid?
Pinxixi, a local life service company, is valued at US$80 billion and will apply for an IPO on the New York Stock Exchange and Nasdaq in January next year. As long as it is approved, the market value of this company alone will be enough to cover the risks.

Not to mention the shares offered by WeChat Technology and Weifuzhi, each worth $200 million, he thought people would wait and see, but someone bought 500 shares right away. Wow, $10 billion, without blinking an eye, he rushed in and applied for ten shares worth $2000 million at once, but it was still a question whether he could win the lottery.

Seeing the lively scene of everyone applying for subscription enthusiastically, Chen Jiaxiang felt unsure. After discussing with the boss of a company who came with him for a long time, they finally came up with another solution.

Hey, this employee stock ownership platform is pretty good. One share is 50,000, so it's no problem to make 3,000 to 5,000 a year. It's a little less, but it's stable, reliable and large in quantity!
These days, being bold is useless. There are many people eyeing good projects, and the extra cost to complete them smoothly is also high. In the end, when we do the math, 6 million yuan can only yield to million yuan in returns every year.

There is a whole month after maturity to redeem the principal, and the investment income is paid annually. It is quite cost-effective. The most important thing is to look at who comes, a large number of state-owned assets.

This means that Qingyun Industry’s investment share is strongly supported from above, and when money is urgently needed, it can be converted into cash instantly in the financial market.

Where can you find high-quality assets with stable returns, strong backing, good liquidity, and large quantities?
Yao Xiangjun understood a little bit. So he was planning to turn the employees' shares into his own, right?
He said, “Mr. Chen, we welcome your investment, but you have to think carefully. Afterwards, this part of the shares will be transferred to the micropayment platform, which requires real-name authentication.

In addition, if your company needs additional funds for development in the future and wants to establish a strategic partnership with Qingyun Investment, you will need to check the specific shareholding information. "

"Is it so troublesome? Can't we hold it in the name of the company?"

Chen Jiaxiang frowned, "Can you be flexible?"

"Who would complain about having too much money?"

Yao Xiangjun understood the meaning of his private actions, but refused without hesitation. What a joke! Even if he was willing to help, he could avoid the company's subsequent audit.

Considering that the other party earns tens of millions every year, at most he can give himself a dividend red envelope of several million. However, his income from Qingyun Investment Fund alone is as high as 30 million US dollars.

The contract stipulates that the portion held by company executives is a benefit held on behalf of the company, similar to options, which will be given naturally if they perform well.

If any behavior is discovered that is detrimental to the interests of the company, the additional income generated may not necessarily be given in addition to the principal.

He must be crazy to go against his own stable income of over 100 million just for a few million dollars.

Chen Jiaxiang was helpless and started to inquire about the time and details of the micropayment platform, trying to see if there was any workaround.

Yao Xiangjun is also unsure, "It depends on whether all conditions are ripe. There will definitely be no major moves this year."

Not to mention this year, it may not be promoted in micropayments even after another year, mainly due to the limitation of the scale of smartphone users, similar to the killer weapon Yu'ebao in later generations.

It will surely cause a global sensation once it makes its debut. Coupled with Qingyun’s own several high-yield funds (the actual growth rate is conservatively estimated to be above 20%), the scale of funds that can be accommodated is terrifying.

It will easily cause a shock to the existing financial system, and the banks will come to hold us accountable. We have to do it, and we have to be cautious until the actual number of active users reaches 100 million or 200 million.

Play all your cards once again and try to create a sensational effect. As long as the benefits are big enough, what does it matter if you offend a bank once?

Moreover, Li Zehua is now negotiating with the four major banks...

“As for the shares of MyBank, if the State-owned Assets Supervision and Administration Commission, the central bank, the Ministry of Finance, and the China Banking Regulatory Commission believe that it is acceptable to make slight changes to the original plan, Qingyun is willing to accept it.

After all, there are quite a few financial institutions cooperating with Micropayment overseas, but in return, we demand more management rights.

The previous agreement was that state-owned assets would hold 51% of the shares, Qingyun Group would hold 49% of the shares, and the day-to-day operating rights would be transferred from state-owned assets to Qingyun at 2%.

But those are domestic Internet finance-based businesses and do not include other financial businesses conducted by MyBank outside the mainland.

In particular, Ant Financial Services Group itself does not have any offline branches. Now it is suddenly going to add branches in Southeast Asia and Africa. How will it do this and who will manage it?
These are all issues that require separate discussion.”

Li Zehua's attitude has not changed. Internet finance must be regulated, and it must be relatively strict. It cannot be left alone, even if the profits are a little less.

Otherwise, the chaos of 13-15 will recur, leading to a complete loss of trust between superiors and subordinates and tit-for-tat confrontation, and the ones who will suffer are those companies that operate lawfully and are prepared to take root for the long term.

So when he took the initiative to propose that Internet companies holding Internet financial payment licenses should provide a minimum reserve ratio of 8-12% in accordance with banks, the higher-ups nodded with satisfaction.

Peers were criticizing him, and public opinion controlled by the Tengda Ali Group was fanning the flames, angrily accusing Qingyun Group of disrupting the normal market operating order. Even Sina jumped out to accuse Li Zehua of doing his job.

The relevant persons in charge of the four major banks and the persons in charge of relevant fields of the financial industry did not say anything about changing the operating nature and equity distribution of Ant Financial Services Group, but they were very interested in Qingyun's proposal.

The head of the central bank was even more blunt: "Any enterprise involved in Internet financial payment and related fields should strictly abide by relevant laws and regulations.

Mr. Li said it very well. Since it concerns the vital interests of the people, companies should strictly control risks and should not simply leave all options to the market, nor try to shift the risks.

Screening target customers based on Internet big data is far more efficient, faster, easier to reach transactions, and saves labor costs than meeting customers directly through offline outlets.

If we leave it alone, it will easily lead to bad situations such as unlimited mortgages. Once risks arise, who will cover the bottom line..."

In short, it is imperative to strengthen supervision, raise the participation threshold, and increase the capital reserve ratio of enterprises.

Li Zehua took advantage of the break when the head of the central bank was speaking and said to the leader of the China Banking Regulatory Commission: "Leader, if you want the horse to run fast and steady, it can't just eat grass.

MyBank has no business outlets in China, but it suddenly wants to open one overseas. It was previously agreed that the Minsheng Bank Group would take on this important task, and several Southeast Asian companies including Temasek would participate in the investment.

The current share distribution plan is 73% domestic and 46% overseas. The daily management rights are in the hands of Qingyun, and the overseas part, especially the Southeast Asian part, is in accordance with the agreed ratio.

Of the 40% held by Qingyun, 15% was taken over by the four major banks. It will first gain a foothold under the Minsheng brand, and then, depending on the specific development of the situation, transform it into the brand of the four major banks.

Now they suddenly want to add MyBank. The original intention is good, to help domestic capital go overseas. The key is that if there is no benefit for foreign capital, there will be no motivation to promote this matter..."

Everyone wants to do good things for their white girlfriend.

The key point is that people are not fools. The internationalization of RMB cannot be achieved overnight. The conflicts of interests and resource exchanges involved are difficult even at the national level.

The leader of the CBRC said very bluntly, "If there were no difficulties, we would not come to you. Since the day it was established, Minsheng Group has clearly stipulated that it is a joint-stock commercial bank with private enterprises as shareholders.

It is not easy for the state to hold shares, but if the "going global" strategy is implemented, there must be a commercial bank that is fully controlled by the state. In fact, Ant Financial cannot assume this responsibility.

But it is the best pathfinder, exploring a feasible path through practice and providing support for the Big Four banks to go global in the future.”

"So I'm being treated as a guinea pig?"

Li Zehua didn't know whether to laugh or cry. "It would be better to let the four major banks cooperate to establish a new joint-stock bank to participate in overseas competition."

When it comes to more sensitive matters, he doesn't dare to speak out directly. After all, the nature of the Big Four banks determines that it will never be possible for domestic private individuals to hold a large number of shares at a public level.

The biggest problem with going overseas is that after the core resources are exchanged, others will want to invest to share the profits. Maybe Li Zehua will be able to become a major private shareholder of the four major banks in the future.

Is this decent?

It doesn't match the publicity.

The CBRC leader did not hide the truth from him. “We are currently discussing it, and we are still unclear about what to do. There are huge differences among all parties. You always come up with new ideas, which is really a headache for us.”

Li Zehua laughed and said, "What's the headache of doing good things? Maybe in a few years, currencies will be interchangeable, and RMB can be used freely in Southeast Asia." (End of this chapter)