Winner Takes It All, Resurrection 2009

While the boss is working hard outside, he is also busy at home.

As one of the most important figures in the group, Lin Wenhui, who was once a senior executive of Temasek, is currently in charge of the group's financial affairs and Minsheng Financial Holdings.

In fact, Qingyun Investment and Weipay are both under his leadership. In addition, he has met a large number of powerful people through industrial funds. Externally, Wu Yibin controls WeChat Technology and echoes him.

Lin Wenhui's position became increasingly stable, but power was not so easy to wield. The responsibilities and enormous pressures that came with it also caused this young man in his thirties to show signs of baldness early on.

"Boss Qin, please rest assured that the special funds you applied for have been carefully discussed by the head office and have been approved. They will be disbursed as scheduled in the next two days. Yes, it will not delay your normal work progress.

Okay, keep in touch. I hope you can take care of my business. Let's have a drink together later. I'll treat you. Okay."

After ending the call, he touched his slightly sore eyes and took the opportunity to rest for a while.

He has to deal with a lot of similar scenarios every day. Every one of them is difficult to deal with. Some of them involve relationships with approval authorities during the company's business operations.

They have legal and compliant business projects, and you can make a call or ask for a favor and get tens of millions or even hundreds of millions of funds for emergency use. It is not clear whether the funds are finally used for the projects or for short-term borrowing to make a profit.

He has no right to interfere, and he doesn't bother to interfere.

But only he himself knew that too many requests like this had seriously affected his normal work progress. His boss asked him to take over Minsheng Financial Holdings, mainly to complete the offline layout.

At the same time, he had to take into account the mission at sea, but now a lot of social etiquette came to him, and he tried his best to avoid causing trouble.

If we have to blame someone, we should blame Qingyun for having too much business volume and involving too many industries. Naturally, there are many mothers-in-law above them. In the past, they only used gloves from people like Fang Guohui to intercept the business.

It is human nature to provide accommodation for relatives and friends. After all, when people work and contribute, they are bound to bring personal emotions into the equation. If you don’t even help take care of the friends I introduced to you, then why should I take care of you?

The essence of interests and resources lies in exchange. It is really good if you help me and I help you. However, in the past, these issues were resolved by the management of each subsidiary company themselves.

The decision-making committee and the board of directors can only see a set of data in the statistical data report, such as how many billions of public relations maintenance expenses and related transactions this year were, and what proportion of the company's gross profit margin they accounted for.

As long as it does not exceed the warning line and there is no blatant transfer of interests, everyone tacitly agrees not to mention it. Only Mr. Liu from the Compliance Supervision Department is responsible for investigating whether there is any embezzlement in the middle.

But now, Qingyun, a private enterprise, has wrested control of Minsheng Financial Holdings from Zhongxin Poly and the Comprador Group, making a bank that once had a market value of hundreds of billions.

He has completely become Qingyun's money bag, and everyone comes to him after smelling the clues. He has a clearer understanding of the so-called related loans, from being dumbfounded at the beginning to being numb now.

Only a few months have passed, and this has become a major feature of the country. People are no longer particular about what they eat and drink. If they are short of money, they just reach out and take it, as if it were their own passbook.

This one has several million, that one has tens of millions, and it is not uncommon to encounter people with tens of millions of dollars in financial resources. Although we were mentally prepared from the beginning, in just three months, the related loans amounted to more than 10 billion yuan.

Lin Wenhui still couldn't stand it. When he reported to Gu Shijie, he couldn't help but complain publicly, "We must find a way to curb this trend. Why do people come to talk to me directly?
What's more, it has only been a short time and there are related loans as high as 16.7 billion. Wouldn't it be to billion in a year?

This is too much, how much net profit does the group make in a year? If they keep eating it up, I won't have to do anything all day long, just accompany them to take money out of the company.

How do my business friends in Yanjing call me until now?
Hehe, you are such a sucker, you are such a spendthrift boy! "

Gu Shijie was also in a headache, but for the sake of the overall situation, he could only swallow his anger and say, "Look at it more positively. Xingcheng Bank has just started to conduct business in Hunan Province and surrounding areas. It has reported related businesses in recent months.

The amount is more than 4 million yuan. The most bizarre thing is that many small counties came directly to us and asked to sell special urban construction bonds. They also asked us to take the lead in subscribing and even take the initiative to undertake so-called face projects.

Isn't this obvious?

But what can we do? When doing business anywhere, you must abide by the rules. A company can fight against heaven and earth, but it dare not go against the government.

Because with just a ban, we can pack up our stalls and go home to eat. It's not so bad on the surface, everyone maintains a decent eating manner, knows how to cooperate for mutual benefit, and as long as there are taxes and jobs, that's enough.

But the deeper they go, the less they care about their dignity, and they act as if they want to have mountains of gold and silver directly loaded into their home. However, there are tentacles and foundations behind them that extend in all directions, and it's hard to say which real god is standing there.

Just think of it as buying peace of mind. Anyway, I have no intention of taking it back after lending it out. As long as the main business is done well, and half of the results discussed by the decision-making committee are completed, the losses can be easily covered. "

Lin Wenhui choked and frowned, "The problem now is that it has delayed my normal work. Please send a director here to be responsible for the job of buying butts and making up for the smiles."

He was miserable and too lazy to keep up, but he really didn't have any suitable candidates under his command. It would be okay to let highly qualified talents in the team take charge of financial work, but it would be a bit lacking in private exchange of interests.

Gu Shijie was very curious. "Look for Mr. Wu Yibin. Doesn't he have a lot of excellent talents under him? He has enough pimps, not to mention those specially trained beauties. I feel itchy when I see them.

Wow, those who don't know would think they are in the land of women, where all kinds of beauties can be found. I heard that the starting standards are selected based on the top high-net-worth account managers in the private domain of financial institutions.

I have also seen this in several banks of Pufa Bank. Each one of them is one in a million. Who can handle such stature and eloquence?

Even Wang Sicong couldn't take his eyes off it, let alone the simple art of entertaining people, which is easy to do."

"Old Gu, don't fool me. This is a trap that was tailor-made for me. Anyone who steps on it will get into trouble, but you, old man, will be safe no matter how you jump on it.

Even if something serious happens, you will only be held accountable for negligence or something like that.”

Lin Wenhui is also a shrewd person. What is his relationship with Wu Yibin? Even though he has a lot of special and high-quality resources, he can use them himself or send them to formal occasions, especially to his own side.

That is the way to die.

One of them was once the senior global investment president of Temasek, and the other was the executive president of domestic business. To put it bluntly, Li Zehua valued them because of their outstanding abilities.

This is mainly because there is no deep-rooted network of interpersonal relationships in the country, so it is unlikely to collude with outsiders to erode the company's basic resource base, and also because of Temasek's identity protection.

Even if you do something excessive or beyond the line, the higher-ups won't hold it against you.

However, the related-party transactions of financial holding companies are themselves a business of profit distribution. No matter who is in this position, they will inevitably be involved in it in the future.

He is not stupid. On the one hand, he is both a referee and an athlete, and the competition is not to be seen in public. If something really goes wrong, he will have a hard time defending himself and it will be easy to be tabooed.

What if one day the boss thinks that he has embezzled money and wants to start a new business, how can he prove his innocence?

Should we get out those private transaction records and confront each family one by one?
Only a madman would do such a thing. Lin Wenhui was planning to run away. He didn't want to get too deeply involved, otherwise how could he maintain his transcendent position within the group?

The boss would even rather use Liu Zijie's right-hand men to take charge of Southeast Asian business and micropayments, but also to balance the relationship between the two factions and prevent him, Wu Yibin, and Zhou Shouyuan from growing bigger in Southeast Asia.

He knew the pros and cons of this very well, so he wanted to delay the timing of his launch so that he would have some room to maneuver if something went wrong in the future.

After listening to him, Gu Shijie no longer refused, because if he didn't want this position, it would definitely be taken by Yang Zhichao. Anyway, his people were in Yanjing and could take over at any time.

After conducting insider trading, Lin Wenhui was finally able to free up his hands and follow the data obtained from Qingyun Big Data Center, Pinxixi, JD.com, and Yunyunbang.

This year's loan issuance tasks are assigned to each offline outlet. People's livelihood is not short of money. It has pledged more than 600 tons of gold from the central bank, as well as European government bonds, other precious metals, and US dollar equivalents.

Through external guarantees and domestic loans, or simply by selling assets in exchange for RMB, the liquid cash controlled by the group's proprietary trading department alone is as high as more than 100 billion (including financing and financial bonds).

Combined with the disposable amount of industrial funds shared through micropayment, even if he spends 1 billion yuan a day, he still cannot spend it all in a year.

"Information can be falsified, but data will not lie. The first batch of small and medium-sized enterprises and self-employed households that can pass the preliminary review are all related parties to the group's subordinate businesses. They either open online stores, or register restaurants on Chimei.com, or are self-employed logistics practitioners. These people have one thing in common, that is, they have certain assets.

And through continued operation, there will be surplus funds in the company's account, so even if there are unforeseen risks, the risk of loan non-recovery can be minimized..."

At the joint financial meeting of Minsheng Financial Holdings and Micropayment, Lin Wenhui spoke decisively and gave instructions to executives of other companies in the Qingyun system who were attending the meeting:

"Especially Mr. Jiang from Qingyun Great Eastern Insurance, you are going to make a fortune this time. In addition to the risk protection business for credit loans, the group also has additional bundled insurance business for tens of millions of small and medium-sized customers.

As long as they take out loans from the group and have business dealings and cooperation, the group will carry out targeted promotion of future protection based on their own conditions. These people are seeking money.

During the initial communication process, we found that as long as there are pseudo-middle-class people, or real middle-class families, with stable income and good future prospects, they can fight inflation and preserve the value of their assets.

I have a strong interest in life and health protection, property insurance and other businesses. Previously, I did not have enough desire to buy them because I was worried about being cheated or other factors.

Now we have first-hand resources that face customers directly, and we can develop financial management-type principal guaranteed insurance, financial and low-risk financial management businesses, as well as the logistics industry and online car-hailing business.

Individual car owners who purchase in-vehicle navigation services through Qingyun AutoNavi Maps and the vehicle insurance customer groups developed can all be attracted in, and being able to buy a car proves that one has certain assets.

The spring of your insurance business is coming, and the boss has repeatedly said that you should seize the opportunity to work hard. As long as you don’t cross the red line and don’t transfer funds out, you can do as much as you can. "

Insurance and securities business are also in charge of his group's chief financial officer. Jiang Yi is also from Southeast Asia, and the two have a good relationship. Upon hearing this, he smiled and said, "Thank you for the company and Mr. Lin's care.

Next, we will adjust the insurance policy in a timely manner according to the actual situation, and strive to launch more financial management and principal protection projects with simple processes to earn more profits for the company. "

There is one thing that everyone here is well aware of, and that is the huge amount of deposited funds collected in the name of premiums and temporarily deposited in the insurance company's account.

Since Qingyun acquired Great Eastern's domestic insurance business, Great Eastern Insurance's premium income has grown at an astonishing rate.

That was not a simple doubling, but a huge increase from hundreds of millions of annual premiums before taking over to billions in one go. After 2011, there was a double growth stimulus from financial clients and group clients.

When Qingyun acquired the company, it promised to achieve 10 billion yuan in premium income within five years, and it seemed that it had a chance to accomplish this in the second year, all thanks to the huge success of cotton futures.

The Taishan faction and Dingguo were defeated in one breath. The former contributed Minsheng Financial Holdings, and the latter contributed the full license of the insurance channel.

Due to the increase in premium income and sales of financial bonds, the scale of funds held by Qingyun Great Eastern is increasing day by day. What is capital?

This is capital.

Li Zehua could even arbitrarily inflate the valuation of subsidiaries effortlessly and use the insurance company's money to purchase shares. The management rights remained unchanged and the company's valuation skyrocketed.

There is no need to worry about no one taking over, because of its terrifying market share in the industry and the foundation for sustained growth after future listing. There is no way to short sell, and the worst that can happen is that affiliated companies will hold shares in each other.

There will always be investors who will rush in and take over at high prices. A virtuous cycle ecosystem has been established, and the next step is the harvest season.

The entire financial system that Lin Wenhui was in charge of was mobilized and began to expand wildly.

The businesses that other people are in charge of are also developing steadily. With the cooperation foundation of Nokia and ZTE, the Electronic Technology Group, Roewe Electronics, and Chaoxu Electronics, which originally had the greatest hidden dangers, have been strengthened.

It also began to move forward in great strides, and the recruitment of high-quality talents never stopped. For a time, there was a lot of wailing in the industry, and various so-called technology companies accused Qingyun of being unethical.

How can this be done?

Cheap engineering master's students were originally the best scientific research workers. A large number of them could be recruited with a monthly salary of 6,000 yuan when they first arrived. However, when Qingyun arrived, the starting salary was 10,000 yuan.

What does an internship period of three to five to six months mean?
As long as you can prove your ability, you will be immediately converted to a full-time employee, with a monthly salary of 15k, and a starting annual salary of 18k. As for the mainstays like old workhorses, hehe, it doesn't matter how many thousands they earned in research institutes before.

Once you come here, you will be directly responsible for the project and be the leader. You will start at P6. There is no need to mention the salary and benefits. The housing guarantee is fully guaranteed. Qingyun has proved with practical actions what it means that knowledge changes destiny.

No matter where you came from, do you want to stay in a first-tier city?

No problem. Look at the luxury homes Qingyun Real Estate has. Which one do you like?

Move in first, rent?
What's the rent? We are family, why should we pay any money? The company will pay for you. That's not all. You have to live here for three to five years and make outstanding contributions to the company's scientific research projects.

Congratulations! Even if the management wants to buy it at a 5% discount, as long as you can contribute outstanding scientific research results, you will be directly given the right to reside without individual property rights. You will have everything you deserve except that you cannot trade it.

After a certain number of years of service, permanent rewards will be given directly.

Only technology is advanced productivity. This sentence is deeply engraved in Li Zehua's soul. He is fed up with being manipulated and humiliated by foreign high-tech companies and vowed to pay them back double in this life.

The big boss above is an "angry" young man, and the company has built a high-efficiency industrial ecosystem of its own, with a steady stream of active money injected. If you don't spend money now, when will you?

Unfortunately, in the process of leapfrog development, Liang Xiaolong was destined to be the biggest tragic figure.

In agriculture, there is no such thing as taking shortcuts. If it works, it works. If it doesn't, it doesn't. Every grain of food is earned through blood and sweat, and is created through years of hard work.

There are no shortcuts except to keep your feet on the ground.

However, Qingyun Agriculture is still the only loss-making enterprise in the company in the true sense, even Roewe Electronics created the 798 sales miracle with a cost of thousands of yuan.

That was also due to the profits transferred by the hardware and software companies that provided related services. It was propped up by a transfusion. After calculating the accounts for 798, hey, there was still a net profit of 100 yuan. Didn’t expect it?
WeChat, Eat, Micropayment, Fengniao and other companies, your family gets 50, my family gets 30, plus the state includes it in the 13% subsidy for home appliances going to the countryside, and there is also an 18% tax rebate subsidy for exports.

The sales are so good that everyone benefits, from the company to the sales channels, salesmen and consumers. The only ones who are crying hard are the smartphone and keypad feature phone competitors.

Damn Qingyun, he doesn’t make money himself, and doesn’t allow others to make excess profits. He is simply a coward!

Roewe is making money, Qingyun Power Technology is also making money, but agriculture is the only one that is not making money, and the losses are getting worse and worse.

If Liang Xiaolong was not the fourth official employee of the company (Li Zehua 1, Yang Zhichao 2, Yu Li 3), and was not the boss’s fellow townsman from southern Hunan, he would definitely be his confidant.

He thought he was being exiled. Anyone who saw the net loss of 5 million yuan every month would not look better than him. He applied for capital injection at the monthly decision-making committee meeting.

He felt that the people around him were looking at him strangely, until he ran to Yang Zhichao for help. Coincidentally, Yu Li and Wu Wenhui were also there, and Wu Wenhui's face was full of strangeness when she heard what he said.

After a long while, he finally said, "It's not that I dislike your huge losses, it's that I doubt whether you are capable of leading Qingyun Agriculture, because before you went there, it had a loss of 8 million yuan."

Liang Xiaolong was completely confused. "Isn't it good for me to help the company save money? The transportation and acquisition businesses were previously handled by the company, but now they are transferred to Fengniao and Yunyunbang, and their performance has skyrocketed.

After the purchasing business was decentralized, the income of cooperating farmers also showed a significant increase, and the number of registered users of WeChat technology and micropayments also increased significantly in rural areas.

This is all good news!”

Yu Li said with a smile: "But you lose money too slowly, I guess the boss will give you trouble when he comes back."

Liang Xiaolong thought about it and always felt that something was strange.

It was Yang Zhichao who cleared his confusion for him, "When you can serve more than 100 million farmers, you will know the value of Qingyun Agriculture's existence." (End of this chapter)