After the college entrance examination, I became the strongest prodigal son

Chapter 106 Financial Services
Mergers and acquisitions!

Lightyear Financial Group is not 100% controlled by Lightyear Technology, but Lightyear Technology holds 60.00% of the shares of Lightyear Financial Group, Lin Chen holds 5.00%, and Chen Yu holds 30.00%. As for other things [-]% of the shares belong to other people.

They may be people or groups that hold shares in Lightyear Financial Group, but they are not ordinary people.

As the financial center of Huaxia, it goes without saying that Shencheng has developed over the years. Lin Chen is standing on top of a building, which is the headquarters building of Light Year Finance.

Property rights naturally belong to Lightyear Finance.

Lin Chen really likes to buy properties. Basically, Light Year Technology and Light Year Finance buy properties directly for his residence.

"Dong Chen, we have already purchased 500 billion Gurney Electric, North East A, Shencheng Port and other companies with excellent management and great development potential!"

Lin Chen nodded, looking at the president of Light Year Bank!
After Lightyear Technology acquired Jiangcheng Bank, it quickly changed the name of the bank to Lightyear Bank, and injected capital into Lightyear Bank to dilute the shares of other shareholders, and finally merged Lightyear Bank into Lightyear Bank. Year Financial.

Banks are the core of a consortium.

This point, in the past, present and foreseeable future, will not change.

After the completion of the establishment of Light Year Finance, the Light Year Consortium was also formally formed.

Lin Chen didn't have much control over Lightyear Finance, because he didn't have much contact with finance and didn't know much about it.

Of course, Lin Chen still knew some core issues.

Finance does not exist alone. It must rely on the real economy. There is no financial industry without the real economy.

From the past history, we can clearly see that there are not a few countries that play finance and kill themselves.

For example, Spain, France, England...

And the future of America!
"Our Light Year Bank will be based on two major businesses in the future, corporate business and personal financial business. , Banks provide services to rich people, our Light Year Bank is not like this, we also want to provide financial services to people without money!"

"We will rely on the big data network to screen individual customers and select people with high credit to become our customers. For people with high credit, we can directly apply for a certain amount of loans without any review. Loans."

The data construction of the credit system, with the help of Lightyear Technology, was actually launched very quickly by Lightyear Finance.

Although Guangnian Bank is called a bank, it can actually be called an Internet financial company.

Because Guangnian Bank has begun to differentiate itself from traditional banks in many business developments.

Of course, Lightyear Banking does not mean that it will give up traditional banking services.

This will definitely not be given up, because the traditional banking business can also bring huge profits to Light Year Bank.

For example, in terms of bank outlets, Light Year Bank has covered all prefecture-level cities across the country in one go in the past three months.

Now it is continuing to sink to county-level cities.

Zhang Qing: "Chairman Chen, regarding personal housing loans, I think we can do more in this regard!"

Lin Chen: "That's okay. In this way, Light Year Bank issued a regulation that students of key universities can get preferential housing loans in Light Year Bank, and provident fund loans will be discounted by [-]%!"

Hearing Lin Chen's words, everyone was stunned.

Can it still be like this?
"Chen Dong, this is not very good!"

"There's nothing bad about it. I think it's good. Now some people say that going to college is useless. I want to tell those people that going to college is useful. At least in the eyes of our bank, every college student is the best quality." client!"

Zhang Qing didn't care about Lin Chen's discounts on student loans for key universities.

Financial provident fund loans are accepted, and with a [-]% discount, in fact, the bank still makes some money.

Moreover, doing so is also conducive to cultivating customers.

You must know that even if the college students of key universities do poorly after graduation, they are better than many people.

"Also, with regard to bank risk control, it must be done well. Now there are many enterprises in China that should be eliminated directly. They have no technology and backward production. Such enterprises should go bankrupt. We should support those who have Enterprises that are willing to develop and carry out scientific and technological research and development.”

Hearing this, Zhang Qing couldn't help but feel that Guangnian Bank really gave loans to those backward enterprises.

"Dong Chen, don't worry, after we go back, we will clean up these companies!"

Lin Chen nodded and continued to say: "About Internet finance, Internet finance is not separate from the bank, we have to combine it together, we still do a good job in this regard, but it is far from enough, you come down and go Think about it, don’t rest on your laurels and eat, I hate losing my motivation the most!”

Well, sometimes Lin Chen was not enterprising, especially in his last life, but in this life, Lin Chen was quite enterprising.

Because there is a sense of accomplishment!
The sense of accomplishment is very important. If you do something, you will have no sense of accomplishment at all. I believe that no one can persevere in doing it.

Like those soldiers guarding the frontier, why they can persevere is a very important reason, a sense of accomplishment!
"I don't know much about finance, but using technology to make finance easier is a must. In terms of technology research and development, we must increase. I took a look. The entire financial sector, scientific research The investment is too low!"

Everyone looked at each other, thinking in their hearts, they really are people who were born in technology!
Everyone knows that Lin Chen values ​​​​technical investment.

Just looking at the funds invested by Lightyear Technology in scientific research last year, it is more than the investment in scientific research in many countries.

Looking at the night of Huangpu River in the distance, Lin Chen was talking on the phone with Chen Yu.

"How's it going? There's no problem over there, right?"

Chen Yu has been working in the capital for a long time, and he doesn't know much about the situation of Lightyear Financial in Shencheng. After all, Chen Yu is the general manager of Lightyear Technology, not the general manager of Lightyear Financial.

Lightyear Finance is just a subsidiary holding company of Lightyear Technology, and it is an independent legal person company.

"The problem is nothing, but the R&D investment is not enough!"

Chen Yu smiled lightly: "Okay, when are you coming back?"

"It will take two days, I'm going to visit some universities in Shanghai!"

Although the university is already on holiday now, it is also a holiday for students. In fact, the university is still operating normally.

For example, the school leaders are still working in the school!

Lightyear Technology's demand for talents is increasing now, because more and more R&D projects now require a lot of human resources.

Huaxia graduates many college students every year, but the undergraduate graduates are not of much use in research and development work.

(End of this chapter)