legendary trader

Chapter 900 901 Spare tire? (Thanks to all readers, and to all friends who rewarded monthly and recommended tickets)

The two communicated in the car for a while, and quickly reached a consensus.

Based on the belief in Xie Kai's vision, also, so far, Xie Kai's investment decisions seem to be all right, and they chose to invest in Ping An Insurance.

But because of the company's management model, that is, no matter how much money they invest, they can't get control of the company, so their financial investment will be reduced as much as possible, and they can't eat it all.

With the tone of the two of them talking first, after seeing Xie Kai in a while, many things can be settled quickly, and it shouldn't waste too much time.

Zheng Xiaopang completely agreed with Chen Fan's intention at this moment, but in fact, he just wanted to finish the job as soon as possible so that he could go home.

After driving back to Baorun Garden, the car did not drive into the gate of the villa area, but parked outside the Chaofan Investment office building next to it. Chen Fan and Zheng Xiaopang got off the car and walked into the company building.

The two soon arrived at Xie Kai's office, and after the secretary brought tea and left, the three began to talk.

Because the information obtained before was obtained by Xie Kai through asking someone, it was not official official news, but this time Chaofan Investment contacted Ping An Insurance through official channels, so the information obtained was more comprehensive.

"Mr. Chen and Mr. Zheng, before we thought that the other party wanted to raise funds to expand the company's capital, but the information we got after this contact was that they were actually looking for a large international company and hoped to obtain management and technical support. In several contacts, we are asking about the successful experience of our company."

Xie Kai has long been familiar with these two big bosses, and he doesn't like politeness. Simple and direct is their style, so they didn't beat around the bush.

"What management and technical support do they want?"

Zheng Xiaopang asked suspiciously.

"From the information we have collected, their company's internal structure seems to want to undergo a major change. It should be the company's management model. They want to learn from the management methods of mature foreign insurance companies to establish an efficient and simple high-level management structure.

In addition, they now have a certain amount of insurance funds in their hands, and what they need is help in fund management and investment.

For insurance companies, the main business is actually two pieces, one is to obtain insurance policies, and the other is to increase the investment value of the received insurance funds. Their investments tend to be conservative, mainly buying government bonds.

Now their shareholders hope to expand the scope of investment. The main reason is that they have saved too much money in the past two years and need to find new investment projects. Entering the international capital market has become their current goal. "

Xie Kai explained, "This is also the reason why they chose to introduce a foreign-funded insurance group for this expansion. I have already found out that it is HSBC Insurance Group. At the beginning, we thought it was HSBC Bank.

In addition, it is said that American capital, including Morgan and Goldman Sachs among their shareholders, seems to be considering withdrawing, at least reducing their shareholding in the company. "

"This is strange. Among their shareholders are experts in this field, and they still need to find foreign aid. Those shareholders still want to withdraw, is it because of the failure of the internal power struggle?"

Zheng Xiaopang was even more puzzled, squinting his eyes and said.

"This, I don't know."

Xie Kai shook his head, "In fact, Ping An Insurance's shareholders change quite frequently. Many of the previous major shareholders have cleared their positions and quit the company, and many of the current shareholders are newcomers in recent years."

But when Xie Kai said this, a little hesitation appeared on his face, as if there was something hidden, but it was hard to say.

Chen Fan naturally saw his attitude, and then said lightly, "Mr. Xie, if you have anything to say, just say it. Is there anything else to say here?"

"I just heard that the shareholders who quit in name before actually just dispersed their shares in the hands of some affiliated companies, and didn't really leave.

However, it is still unclear about the controller of Ping An Insurance. At present, it seems that the company's top management is indeed controlling the company's operations, and shareholders seem to have very little influence on the company's operations. "

Xie Kai said.

"Ok?"

Chen Fan was slightly stunned when he heard the words. He vaguely remembered that Xie Kai said that Ping An Insurance had no actual controller and that the company's development was controlled by the company's senior management. The only thing that changed this time was the previous shareholders. The most important thing is that the company's old shareholders have left, but now the rumors from Xie Kai's mouth have become invisible behind the scenes.

Why do they hide behind the scenes? Are they controlling the development of the company, and now the top management of Ping An Insurance are just pawns they control?
A series of questions appeared in Chen Fan's mind, and he was a little confused.

"We don't care what we heard. The current situation is that Ping An Insurance Company means to reject us as a shareholder?"

Zheng Xiaopang asked suddenly at this moment.

"There is no such thing."

Xie Kai shook his head, "Although they hoped to introduce HSBC Insurance Group as the company's major shareholder to help the company straighten out its management structure, they did not refuse when we asked about taking a stake, but said they could consider it, but the shares need to be discussed. "

"Spare tire?"

Chen Fan asked.

Xie Kai did not shake his head this time, but nodded after thinking about it and said: "I think it is possible, it depends on whether their first choice will fully subscribe for this part of the shares. Major shareholders provide management and technical help, but cannot control the company."

While in the car, Chen Fan also discussed with Zheng Xiaopang that he would invest a maximum of 3 million yuan in Ping An Insurance, that is, only 5% of the shares would be enough.

But at this time, Chen Fan and Zheng Xiaopang just looked at each other, with a dumbfounding expression on their faces.

After Xie Kai finished speaking, the office fell into a moment of silence, neither Chen Fan nor Zheng Xiaopang continued to speak.

After a while, Chen Fan asked Xie Kai: "Mr. Xie, what do you think of the Ping An Insurance project? Do you still insist on investing?"

To be honest, I heard that their extraordinary investment company may be just a backup tire prepared by Ping An Insurance, because the 6 million yuan raised by Ping An Insurance this time must have been accurately calculated by the company's senior management, involving 10% equity financing, then It must have been approved by the company's board of directors. In principle, this financing plan cannot be changed easily.

Ping An Insurance Company should also be worried that HSBC Insurance Group will withdraw from the financing negotiations because it has no control, or that it is unwilling to fully subscribe for this part of the equity, so it maintains contact with Chaofan Investment, otherwise when there is a clear financing target, it will generally not Contact potential buyers privately.

For the operation of the company, of course, the stronger the capital, the better.

And Xie Kai also saw something from the eye contact between Chen Fan and Zheng Xiaopang just now. It seemed that the two bosses were not very satisfied, at least not as expected.

Regarding Chen Fan's question, Xie Kai lowered his head and remained silent for a moment, then raised his head and said to Chen Fan: "Mr. Chen, I still think it is possible to invest in Ping An Insurance.

Although this company has not been established for a long time, only more than ten years old, compared with those companies that were established very early, Ping An Insurance's development momentum is the best.

Moreover, in recent years, the domestic insurance market has just begun to take off. I have also reported the development of the insurance industry to you before.

In the past, we Chinese people were not interested in buying insurance due to habitual problems, but in recent years, due to the improvement of living standards, people have begun to pay attention to the quality of life. Faced with the high incidence of diseases and high medical expenses, Chinese people have begun to pay attention to the value of the insurance.

Of course, there are other factors. For example, auto insurance has seen the fastest growth in premium income in the past two years. This is also because everyone has money and can buy a car. Buying a car naturally requires buying insurance, so you can feel more at ease when driving.

However, people's resistance to buying insurance gradually began to fade, and people began to accept this business.

To put it bluntly, it was caused by natural disasters and man-made disasters. We don't want to lower our current living standards because of some accidents.

There must be a lot of room for development in the insurance business, so when Mr. Chen proposed the idea of ​​acquiring an insurance company, I actually hoped to complete this investment as soon as possible, because it was indeed profitable.

Since you want to invest, you must choose the company with the best development momentum. Because the industry has developed, small companies can only share the dividends of some industries, and only large companies can obtain huge opportunities from them, which are the most valuable targets for investment.

To be honest, if you really want to invest in the insurance industry, I think you should choose from the top-ranked companies in the industry, and find the company with the fastest development and the best momentum among them.

According to the information of these insurance companies collected during this period, Ping An Insurance Company is undoubtedly the best asset among them. "

After speaking, Xie Kai looked at Chen Fan and Zheng Xiaopang calmly, waiting for their final decision.

At this time, Xie Kai knew that it was useless to continue to say what he said. Although he was very optimistic about the development prospects of Ping An Insurance Company, he was only an executor, and now it was time for the boss to make a decision.

"I don't like uncontrolled transactions."

After a while, Chen Fan spoke.

Hearing this, Xie Kai's heart sank. He understood the meaning of Chen Fan's words. If HSBC Insurance Group and Ping An Insurance Company reached an agreement, then no matter how hard they tried, the negotiation would eventually fail, because Ping An Insurance The company has no excess shares to transfer to them.

"Is it true that emerging insurance companies do not have much competitive advantage over Ping An Insurance?"

Zheng Xiaopang also suddenly asked on the side.

Xie Kai shook his head, "The chance is not great. To establish a new insurance company, it will take a while just to lay out outlets, and it is still market development.

Of course, the most important thing is to choose to operate the business. After all, the qualifications of the insurance industry are divided into property insurance and life insurance.

Although there are voices in the domestic insurance industry to carry out mixed operations, as far as we know, the higher authorities do intend to let go of this opening, but they will only target specific targets, that is, large companies in those industries.

If mixed operations are really allowed, there is a high probability that Ping An Insurance will be one of them. I guess this is also one of the reasons why Ping An Insurance introduced new shareholders in this round of financing. "

"Didn't you always suggest before that it would be better to start an insurance company out of an acquisition?"

Zheng Xiaopang asked curiously.

"That's because I was not familiar with this industry before, and I just said it according to what I know. Now it seems to be one-sided."

Xie Kai also told the truth, and he didn't feel embarrassed. He didn't know the insurance industry before, and he just made a judgment based on the information he learned from newspapers and magazines.

However, after understanding this period of time, he also knew that his original idea was actually wrong.

With Xie Kai's words, Zheng Xiaopang stopped talking. He must not know as much about the insurance industry as Xie Kai did. If Chen Fan hadn't said that he could get a large amount of money through the insurance company, he actually didn't know anything about the business of the insurance company. , Investment is actually the most profitable.

As for buying insurance to make money, well, it’s not much different from gambling, because you can’t know whether the insured customer will have an accident and you need to make a claim.

"Then go to Zhang Quan and ask him to help collect some information about HSBC Insurance Group and see their attitude towards this project. Let's continue the contact."

Chen Fan thought for a while, and then he said, "Also, how is the selection of other insurance companies going?"

"The people below are still in contact, so far there has been no major progress.

According to Mr. Chen, we focus on the insurance companies engaged in the life insurance industry, because it is for the insurance funds that the company can obtain.

We believe that engaging in endowment insurance and survival insurance is the easiest way to deposit funds for investment in a short period of time, especially endowment insurance. The effective time of insurance is fixed, that is, the payment will not start until the insurance contract stipulates. "

Xie Kai said.

"Then hurry up, continue to contact Ping An Insurance as an investment project, and the focus of your work is still to acquire and control an insurance company.

Listening to what you said just now, the idea is correct. In addition, you must also make some preparations for your own preparations for establishing an insurance company. If there is no chance to make a purchase, then establish an insurance company by yourself, mainly focusing on pension insurance. "

Chen Fan nodded slightly and said.

"Okay, I know what to do when I get down."

Xie Kai responded.

"Also, the next time you contact people from Ping An Insurance, you can say that our advantage mainly lies in the investment in the international financial market. We have many successful transaction cases, but it is not convenient to describe them, but we have trading accounts. Continuously becomes data for them to query."

Chen Fan felt that since he still intends to continue to contact Ping An Insurance Company and look for opportunities to invest in shares, he should take out some of his own advantages.

And what advantages do you have here?
(End of this chapter)