Zhao Yi stayed at home and completed all the work in only a week. This was unimaginable before. This is the terror of primary artificial intelligence. It is no problem to defeat ten thousand people with one person.
While Zhao Yi was busy with these things, Zhao Yi also asked the law firm to help handle the application procedures for Hengxuan Technology Company and Golden Shield Technology Company.
The main business of Lingcheng Technology Company is to operate customer service services and translation systems, while the main business of Jindun Technology Company is network security protection.
Both companies are headquartered in Jiujiang. Since Zhao Yi plans to build Jiujiang into an Internet technology city, he will definitely continue to do so.
The current three companies alone seem a bit weak, and more Internet technology companies must be brought over. When a cluster effect is formed, then Zhao Yi does not need to worry so much, and other companies will consciously move there.
However, judging from the current speed of Internet development, it will take a long time for these two businesses to be truly developed. Not only these two businesses, it can be said that if the entire Internet technology company wants to develop and grow, it will take a long time. gestation period.
This is why Zhao Yi wants Hong Kong Telecommunications Company to lay optical fiber networks all over the world. To be honest, although this area is profitable, it is not as profitable as mobile communications.
It's just that Zhao Yi is unwilling to wait for the natural development of things. In that case, it may take ten years to form an Internet wave, which is too slow.
According to Zhao Yi's vision, he hopes to complete the laying of the optical fiber network within three years and cultivate Internet users in about five years, which means that the expected time has been more than doubled.
Just when Zhao Yi was resting for three days, the heads of the four major banks called Zhao Yi one after another, wanting to discuss with him in detail about the online payment system.
Half a month passed, and they finally figured out that in fact, the pure online payment system did not harm their interests. The online payment system was just a pure online payment intermediary.
However, Alipay in the previous life has integrated so many financial functions, which can be regarded as touching the cheese of these banks. However, in Zhao Yi's view, neither party deserves sympathy, because they are all performing for their own interests.
Like borrowing, the annualized interest rate reaches more than 18%. This is a naked usury, and the leverage of small loans is too high. With a principal of 3 billion yuan, more than 300 billion yuan was loaned out, and the leverage is more than 100 times.
And the high-profit part is left to Ant Financial for itself, while the low-profit part is left to banks and investors. If it really loses money, it will only be a loss of 3 billion yuan, and the remaining 300 billion yuan will be lost. Investors need to bear it.
This is an obvious mismatch between risks and benefits. I believe that as long as the government is not confused, it will not be allowed to do this at all. Once a thunderstorm occurs, the impact will be a financial tsunami, which is quite detrimental to the country's economic development.
As ordinary people, we should not listen to what capitalists say, but see how capitalists do things. Anyone can say nice things, but his actual actions represent their true intentions.
Xinghan Technology Company's online payment system will not excessively pursue high profits even if it reaches Alipay's user scale in the future. It will mainly focus on building a platform with financial security as the primary condition.
Therefore, the cooperation between Zhao Yi and these banks is really a matter of mutual benefit, and he really has no intention of playing tricks in it.
In Zhao Yi's view, it is better for him to do this than letting others do it. At least he thinks he has a bottom line in doing things. Anyway, he does not expect the online payment system to bring him much benefit.
Zhao Yi first came to the headquarters of Bank of China, where he was last time, and told their president about the online payment system, hoping to gain their support.
When I came here this time, the Bank of China was very crowded. In addition to the president, there were several other senior bank officials. However, Zhao Yi didn't even have a secretary with him. He just sat there naked. opposite.
"After internal discussions about the cooperation in the online payment system that Mr. Zhao mentioned last time, we feel that there is no problem with the cooperation, so we came here this time in the hope that both of us can reach a final consensus," the president said.
"Thank you very much for your support. This will be an important milestone in the development of the domestic Internet and will definitely accelerate the development of the domestic Internet economy in the future.
At the same time, our traditional banks can also take advantage of the Internet. The proportion of Internet business will definitely become more and more important in the future. This is a win-win situation. " Zhao Yi said politely.
"Mr. Zhao is too polite, this is the current cooperation, Xinghan Technology Company still occupies more interests, or in the short term, our bank does not gain any benefits.
We hope that this cooperation will be mutually beneficial, so we hope that Mr. Zhao can agree to some of our conditions. "
After hearing the president's words, Zhao Yi frowned. If he felt unhappy, it was true. He felt like he had been blackmailed by others. No one was happy.
Zhao Yi's expression was also seen by people from the Bank of China. The president quickly said: "These things will not embarrass Mr. Zhao too much. It can be considered a cooperation that is beneficial to both parties."
"Oh, let's talk to President Lao. I'll see if it's suitable. If it's suitable, I wouldn't mind strengthening our cooperative relationship," Zhao Yi said.
"That's right, our Bank of China is preparing to carry out internal reforms, narrow the service gap with international banks, and expand international business, so we need to find some partners in terms of funds and management."
Hearing this, Zhao Yi was a little surprised. Should we start talking about integrating with internationalization now? In his previous life, Zhao Yi often heard this word, but he had no specific impression of who was the first to put it forward.
Bank of China currently only has branches in Hong Kong and Macau, and does not have much business in other countries and regions. It seems a bit early to start talking about international integration.
Zhao Yi tried hard to think about what had stimulated these large state-owned banks to be so eager to integrate with internationalization. After thinking about it for a while, he didn't understand the reason.
However, their management needs to be improved. This has nothing to do with internationalization. Bank of China is also one of the shareholders of Minsheng Bank.
During this year, Minsheng Bank introduced many modern management measures, which significantly reduced operating costs. At the same time, its capital utilization rate far exceeded these large state-owned banks.
If there is a reason, it may be that it was stimulated by Minsheng Bank. There is also fierce competition among banks. If they do not make changes, they will be surpassed by Minsheng Bank sooner or later.
Moreover, their burden is greater than that of Minsheng Bank. Even under the same level of competition, Minsheng Bank's capital operating costs are one level higher than theirs.
They may have seen this, so they took advantage of this opportunity and wanted to cooperate with Zhao Yi to reform their management methods, reduce operating costs, improve capital utilization, and reduce bank bad debts.
If Zhao Yi did not have a financial company, they probably would not seek cooperation with Zhao Yi. To achieve their goals, money alone would not be enough. They also needed to provide them with better reform ideas and pave the way for their internationalization.
Zhao Yi may not be a senior banker himself, but his HSBC bank is quite internationalized. He can definitely transfer people from HSBC to help them reform bank management.
As for paving the way for them to go international, Zhao Yi can also help. If a bank wants to go national and develop overseas business, the main thing is whether customers recognize the bank.
In other words, if there are not many customers who trust this bank, it will not absorb many deposits. Without deposits, it will not be able to expand its loan business, and the result will be an endless loop.
But if Zhao Yi helps, then their international business will be much easier to develop, because Zhao Yi's industries are spread all over the world, not to mention those companies that participate in the company, there are also many overseas assets and companies directly under Zhao Yi's ownership.
In the past few years, Sunflower Investment Company, except for providing funds for Zhao Yi at the beginning, spent most of the time on the profits it earned to acquire global industries. Zhao Yi didn't have any assets, large or small. Count in detail.
If the Bank of China opens overseas branches, then Zhao only needs to open the accounts of these overseas companies to their branches, which will bring them a large amount of deposits, and then they can use these deposits to lend.
And as so many companies do business with them, other companies will trust them more, and overseas business will gradually develop, at least with a foothold.
Although they don't know how many assets Zhao Yi has overseas, looking at his domestic assets, they can see that overseas assets may not be less than domestic assets.
Therefore, it was inevitable for them to seek cooperation with Zhao Yi. Zhao Yi not only met their urgent needs in both aspects, but Zhao Yi was also a domestic citizen and more worthy of their trust than foreign capitalists.
In fact, let alone internationalization, it is domestic business. They see Minsheng Bank expanding wildly, and they are a little anxious. If it continues slowly, there will not be much soup for them to drink in the country.
This is forced by the situation. If internationalization is their long-term goal, it is their immediate task not to let Minsheng Bank stand out.
And now that the reform of state-owned enterprises is underway, as state-owned banks, they have to assume greater financial service responsibilities, making their funding problems always stretched. This is also one of the important factors why they hope Zhao Yi will invest in them.
After thinking about it, Zhao Yi was actually quite excited. Each of the four major state-owned banks in his previous life was very large in size and was the anchor of my country's financial sector. If he could become a shareholder, the benefits to him would be huge in the future.
Moreover, I already have Minsheng Bank in my hands. If I invest in these large state-owned banks, my influence in the domestic financial field will be even greater.
Of course, as a small shareholder of these state-owned banks, it is impossible to influence the policies of these banks, but he still has this influence, and he is willing to be an investment shareholder.
Banking is different from high technology. Zhao Yiyi has no interest in the shares of high-tech companies, just like he did with IBM. After using IBM, he will give 5% of IBM's shares to Sold.
Because it is too easy for the high-tech industry to defeat the other party, and the high-tech industry is naturally highly monopolistic. As long as it has an advantage, it will slowly erode the other party's market back.
In a traditional industry like banking, it is very rare to have a monopoly. Even Zhao Yi would not think that Minsheng Bank could monopolize the domestic banking market. This is impossible, and even the most advanced technology is in vain.
To be honest, if Minsheng Bank can achieve the scale of ICBC in its previous life in the future, it has already exceeded his expectations, and wanting more is just a luxury.
This is why he is so keen on investing in domestic banks. It's just that he didn't have the opportunity before. But now, this opportunity is right in front of him. It's impossible not to be excited.
"You are also one of the shareholders of Minsheng Bank. If you need anything, I am very willing to provide some help." Zhao Yi said with a smile.
After hearing Zhao Yi's words, the president coughed and said: "We have communicated with relevant government departments in order to speed up domestic financial reform, strengthen reform, and provide better financial support for the domestic real economy.
We are ready to take out 20% of Bank of China's shares and look for strategic investors to help us realize modern financial management and develop international markets.
Through comparison of various conditions, Mr. Zhao is our superior candidate. We hope that we can reach cooperation on these issues. "
Zhao Yi had already analyzed what the president said just now. The only thing that surprised him was that Bank of China was willing to take out 20% of the shares, which was not low.
And if the 20% of the shares is only cooperated with him, it will basically declare that he is the only partner, because this share ratio is already very high.
"This is no problem at all. We will then form a negotiation team and conduct relevant talks at this time." Zhao Yi said.
No matter how much the shares were, Zhao Yi decided to take them all. Let alone 20% of the shares, it was 50% of the shares. Zhao Yizhao took it without mistake. He could still afford this small amount of money.
The two parties reached an agreement on this matter, and the next thing was much easier. Zhao Yi and Bank of China reached a cooperation agreement on the online payment system. Specifically, Xinghan Technology Company needed to come over and conduct more detailed cooperation negotiations with them.
After talking with the Bank of China, Zhao Yi went to several other banks one after another. The situation he encountered was surprisingly consistent with the one here, that is, there was no problem with the cooperation of the online payment system, but he just hoped to reach a shareholding cooperation with Zhao Yi.
This made Zhao Yi feel like pie in the sky, so unreal. Although at the scene, he would not refuse such cooperation because the benefits he gained were very obvious.
Of course, in the short term, Zhao Yi invested real money. If the domestic economy does not develop rapidly, he may not be able to earn much money.
However, he is personally very confident in the domestic economy. In the future, the future development prospects of these state-owned banks, which are still slightly weak, are unlimited, and his interests are also foreseeable.
But on the way back, Zhao Yi sat in the car and thought about why the government would give him such a big gift. He could imagine how much benefit these bank shares would bring in the future.
Those government leaders must know better that no one in this world is a real fool, especially those who have mixed up to this level, they are all ghosts and ghosts.
If a bank wants to cooperate with him, it may be because of a real need and he is the most suitable person. But if four banks do this, there must be something fishy behind it.
But along the way, Zhao Yi couldn't figure out why. Is it really because, as he thought before, the government wants to speed up domestic financial reform, but at the same time it doesn't want foreign capital to get involved.
Under this premise, only Zhao Yi in China has this condition, which can not only achieve the purpose of financial reform, but also avoid the erosion of foreign capital.
Zhao Yi, who couldn't find the reason, could only think so. Otherwise, he really couldn't explain the problem. He wouldn't cooperate with him just because he was handsome. The problem was that although he was not ugly, he didn't match the handsomeness. side.
If you can't understand this problem, you can only put it behind you. Meaningless thinking will only waste brain cells.
After returning, Zhao Yi asked accounting firms and law firms to dispatch elites to form a negotiation team and start relevant negotiations with the four major banks.
Zhao Yi does not need to participate in the early detailed negotiations. Only at the end, when the negotiations are almost complete, he is checking some negotiation contracts. If they are suitable, he can just sign them.
In just a few days, the relevant procedures for the Hengzhen Technology Company and Golden Shield Technology Company that Zhao Yi applied to establish have been completed. For ordinary people, it is impossible for ordinary people to go through company procedures so quickly.
However, Zhao Yi is a subject of special care. As long as the company Zhao Yi applies for establishment, it will be processed as quickly as possible without any delay.
In fact, none of the companies that Zhao Yi applied to establish in person is simple, and they may all grow into super giants in the future. Otherwise, Zhao Yi would not bother to bother with those small companies.
After all the company's procedures were completed, Zhao Yi did not ask the human resources company to help find talents. Instead, he directly interviewed two senior leaders from Fanxing Software Company and asked them to serve as the heads of the two companies.
Nowadays, in the domestic software industry, anyone with some skills has been captured by Fanxing Software Company. Instead of looking for talents outside, it is better to give employees inside Fanxing Software Company a chance.
It is very difficult to get ahead in Fanxing Software Company now. You have to climb up step by step. It is completely different from when it was first established.
Otherwise, when Xinghan Technology Company and Qianxun Technology Company were established, a group of people would follow them. They were doing this for their own future. Only by jumping out could they achieve overtaking in corners.
So after Zhao Yi released the news to Fanxing Software Company that he wanted to recruit the heads of two new companies, those who thought they had good abilities were ready to make a move.
The only person who is unhappy is Liao Xingkai, the president of Fanxing Software Company. However, he is a migrant worker himself and knows the mentality of his subordinates very well. As long as he is still here, it is basically impossible to get a higher position.
If you look at it from this perspective, Zhao Yi is helping him by transferring his subordinates to give promotion opportunities to the people below, and at the same time, it also gives a chance to employees at the company's vice president level.
In the end, Zhao Yi selected Wang Zuo as the president of Hengzhen Technology Company and Pan Jianjun as the president of Golden Shield Technology Company from among many vice president-level employees. (End of chapter)