The others also looked at Ye Xuantong, wanting to know that this nephew, who had always been inconspicuous and was even evaluated as a waste of the Ye family, was going to make some amazing moves.Ye Xuantong didn't rush to say his request, but glanced at Ye Yun coldly and said, "Third brother, this matter I said has something to do with you.I hope you'll be able to restrain yourself later. ”As soon as Ye Yun heard this, he was angry in his heart for no reason.He felt that he had been insulted inexplicably, Ye Xuan had something to do with him, even if it was a dime, but Ye Yun also knew the proportions, he judged the situation very well, and knew that the elders didn't want to hear more about the quarrel between them at this moment, so he was very wise to shut up.But the surging anger in his eyes poured out on Ye Xuantong.The boss who called Ye Xuantong over has been quietly watching.It wasn't until this moment that he spoke: "Xuantong, if the uncle asks you to say it, you can say it boldly, and you don't have to worry about who this matter has to do with it."
Even if it was related to me, I wouldn't be emotional about you.Not to mention the third child, who has always been generous, right, the third child" The boss spoke for Ye Xuantong in the name of Ye Xuantong, but in fact, he put a trap on Ye Yun.Ye Yun snorted coldly and did not answer.Ye Xuantong smiled slightly and said, "The two elder brothers are very broad-minded, I naturally know it."
And what I want is just a little thing that the two brothers can't see in their eyes, and I believe that the two brothers will not embarrass me. ”Speaking of this, Ye Xuantong paused slightly, and then said his true purpose: "I want the Huaan Development Bank in the hands of the third brother, which is on the verge of bankruptcy." ”As soon as the words "what" came out, they were immediately shocked.Ye Yun, in particular, reacted the most violently.He looked at Ye Xuantong in disbelief, as if he suspected that his ears were broken, and asked: "You say it again, what do you want" Ye Xuantong stared at Ye Yun quietly, and repeated word by word: "I want the Huaan Development Bank in your hand" "Hehehehehehehehe" Ye Yun laughed three times in a row, and the expression on his face was as if he had heard an extremely ridiculous thing."
Do you know what a private bank is, do you know the development direction of a private bank, do you know how to make a profit, do you know how many private banks in the market have achieved profitability now, you don't understand anything, you dare to ask for a bank without shame, why don't you go to the sky" Ye Yun roared angrily.Although Huaan Development Bank has not achieved a turnaround in his hands, it is not a project that he values.But don't rob others yourself, that's completely different.Children will get bored playing with a bunch of toys by themselves and throw them everywhere.But when another child comes to snatch it, these originally inconspicuous toys suddenly become treasures.A big battle is guaranteed to break out between the two.This kind of humanity brought out from the mother's womb is actually very difficult to overcome.Ye Yun felt challenged at this time.A wasted person who had achieved nothing actually wanted to snatch the toy from him, it was ridiculous that Ye Xuantong ignored Ye Yun's anger.Instead, Ye Walnut said mercilessly: "You know, you know everything."
Then why is this bank still close to the limit of losses in your hands and facing closure" "I" Ye Yun was speechless in an instant.This is like a dagger inserted into Ye Yun's heart, killing with one blow."
Actually, I have analyzed the reasons for the loss of the third brother's bank, but I don't mind telling the third brother."
Ye Xuantong spoke at the right time."
Take the first batch of five private banks as an example.According to the data of the China Banking Regulatory Commission, as of the end of this year, the total assets of the five private banks were 114.9 billion yuan, the loans were 51.2 billion yuan, and the non-performing loan ratio was 034.The total assets of the first batch of five private banks have also exceeded 100 billion yuan, which is a pretty good start.However, three of the five contributed most of the pretty data, and the other two had little to offer.One of them is our Ye family's Huaan Development Bank.I think all the uncles and uncles here also know it in their hearts," all the elders in the room looked at Ye Xuan in the same eye and didn't speak.The things involved in this are too complicated, in fact, even if you change people, you may not be able to do it well.After all, this is an emerging business, and only five have been approved in the country, just like a blind man crossing a river, he can only walk by feeling the stones.It's normal to have wins and losses.However, Ye Xuantong himself was not wrong, since the three others could not lose money, why did the Ye family lose money It is not that the management is not good, seeing that no one is talking, Ye Xuantong smiled and continued: "I compared the other three profitable banks and found that there is a very serious problem in our bank.That is the ambiguity of positioning.Taking the earliest profitable micro bank as an example, the bank is positioned as a "small deposit loan", and does not be a pure online bank with offline and no outlets.With the help of the Internet background of shareholders, a number of products of Weizhong Bank have achieved good results.The bank's main loan product, "micro-loan", uses big data risk control to face the microfinance market, and adopts the method of rapid lending and borrowing and repayment at any time, which has achieved good results.According to the data in the middle of this year, since its official operation in May last year, the number of its individual customers has exceeded 6 million, the number of active credit users of micro-loans has reached 30 million, the cumulative issuance of loans has exceeded 20 billion yuan, and the management of customer assets has exceeded 20 billion yuan.The main thinking of their bank is the platform strategy, that is, to act as a link to the customer.The competition is for the customer base and to create an inherent platform.Our family is still holding the thinking of a traditional commercial bank to be a private bank in the new era, and we don't want to think that the traditional customer base has long been carved up by state-owned banks, how can there be a new bank's living space to develop according to this strategy, I am afraid that the first private bank to die is none other than our Ye family. ”"You talk nonsense, don't think that if you parrot the words of some experts, you can belittle our Ye family's bank for nothing, you don't deserve it, don't forget your identity, what have you done for the Ye family, except for deviating and disgrace the Ye family, it is useless, you still want to take away the banking business, I will wait for another five hundred years" Ye Yun seemed to have been poked in the sore spot, and hurriedly defended.It's just that these words are very offensive and not convincing enough.It does not explain why the bank lost money under him."
Yes, I don't see that Xuan Tong will not only contradict the elders, but still have his own ideas.If the bank is handed over to you, what path will you make for it" Ye Xuan nodded with his uncle and praised Ye Xuan in the same sentence.This statement, although it cannot be said that it supports Ye Xuantong, can be regarded as impressed by Ye Xuantong, and his attitude has been loosened."
To hide it from my uncle, I already have a huge customer base that is not inferior to other banks, and it is extremely sticky.On the basis of this customer base, I will focus on small and medium-sized lending and storage, after all, this is the most basic business.At the same time, it will develop in the direction of private banking and build Huaan into the first private customized business bank established for ordinary people in China," Ye Xuantong said confidently.Can you not be confident that the eLoanBao customer base has now become an ant on a hot pot, waiting for someone to take over and make their money back.Of course, the stickiness of these customers is high, and I am afraid that we will never be able to find a more sticky customer base.It's just that these words are not enough to go into detail, and can only be vaguely stated."
It's kind of interesting to have a private business for the general public."
Not only Ye Xuantong and Uncle, but even the other elders also nodded one after another.expressed his recognition of Ye Xuantong's idea.Papapa, at this time, the boss of the Ye family added fuel to the fire, and applauded Ye Xuantong."
Xuantong, I really didn't expect that you still have such ability, your words simply made me stunned, if you hadn't spoken first, I would have wanted to come over and run this bank myself.After all, it is better to be able to save the Ye family's assets than to rot in the hands of some people. ”The boss of the Ye family is clearly determined to give Ye Xuantong a cannon rack today and help Ye Xuantong fight Ye Yun.The two most outstanding juniors of the Ye family, but the battle between them is also full of swords and swords."
Boss, what do you mean Ye Xuantong said those ideas, in fact, I have thought of them a long time ago, I am ready to implement them immediately, you jump out at this time to pick fruits" Ye Yun lied, not afraid of blushing, and said.The boss of the Ye family directly sneered, saying that no one believed his nonsense.Ye Yun felt that he was a little lost, and if he continued like this, he was afraid that everyone would really be moved by Ye Xuantong's words.He decided to attack Ye Xuantong from what Ye Xuantong didn't have, and told everyone that he could only run the bank.Ye Yun turned his head to look at Ye Xuantong, his eyes flashed with cold hatred, and asked, "Xuantong, since you want Hua'an Bank so much, I don't want to embarrass you as a brother."
I'll ask you two things, if you can do them all, then I'll give it to you immediately without saying a word" Ye Xuantong raised his eyebrows and asked: "Which two things" Everyone present also looked at the two brothers with interest, guessing what the two things Ye Yun said."
First of all, from the preparation to the establishment of Huaan, all the management personnel were hired by me, and everyone has a prominent financial resume and an extraordinary sense of money.In particular, Zhang Qilei, the current CEO of the bank, is a well-known financial talent.It's such a team, do you have it, don't think I'm going to give you this team with the bank. ”Ye Xuantong smiled lightly and glanced at his sister beside him.Now he finally understands the reason why his sister worked tirelessly to get Mu Qizhong out of prison.It turned out that the stage that my sister promised to Mu Qizhong was this."
What are you laughing at, just honestly admit who are the people around you, don't think I don't know, the highest grade is some teachers, those people teach elementary school students okay, it's better to engage in finance," Ye Yun said angrily."
That's right, my teachers and friends can't do finance.But I have another friend, if he can't do it, I'm afraid Huaxia won't be able to find a second one. ”Ye Xuantong showed his confidence and said softly.