Comeback 1992

Who is the Xinghai Group represented by Han Songlin, the major shareholder of People's Bank!

At this time, Dong Wenbiao was caught in a dilemma. In the position of vice president, Dong Wenbiao was already thinking about how the People's Bank of China should go.

Then, Dong Wenbiao selected a development route for People's Bank, mainly supporting the development of small and medium-sized private enterprises.

For small and medium-sized enterprises, for banks, the loan risk is relatively large.

"Director Han, the People's Bank has received the support of the Xinghai Group, but compared with the established banks in China, it is still very weak in terms of funds."

It has been less than three years since the People's Bank was established.

"Because of the small scale of funds, the customers we will face should be mainly concentrated on small and medium-sized enterprises. Within our management, we have reached a consensus that we will mainly do business with small and medium-sized enterprises in the future." Dong Wenbiao took out his A report to Han Songlin, this is a market analysis report made by People's Bank.

Han Songlin flicked through the report, various data, and analysis, needless to say; the conclusion of the entire report is that private enterprises are the most dynamic enterprises in Huaguo. Extremely rich returns.

After reading the report, Han Songlin handed the report to Tang Yan. Tang Yan looked at the report with a feeling of light in her eyes.

This report is very similar to Skyfire Hammer Investment's internal report.

Tianhuo Hammer Investment is very concerned about the private small and medium-sized enterprises in Huaguo, and naturally knows the vitality of private small and medium-sized enterprises.

These enterprises are still small and medium-sized enterprises, and they can become large-scale enterprises that stir up the world in ten or twenty years.

Han Songlin: "It's really good to do business with small and medium-sized enterprises. I believe that you can also make money, but you must also do a good job in risk control. Small and medium-sized enterprises have great risks and great benefits. But how to reduce the risks? This requires you, Dong Wenbiao, to think a lot. To be a bank, you can’t just pay attention to business scale, but also pay attention to risks. All over the world, banks go bankrupt every year, basically because of problems with risk control. People's Bank of China must take heed of this."

Chapter 574

Dong Wenbiao nodded solemnly, looked at Tang Yan, and said proactively: "Dr. Han, in terms of risk control, our People's Bank has relatively few talents. I hope to borrow some talents from THC Investment."

Han Songlin also looked at Tang Yan, and without waiting for Tang Yan to express his opinion, he agreed directly: "Well, THC Investment sent some people over to set up the risk control department of People's Bank."

Putting one's own people in the People's Bank is something that the Xinghai Group has been doing all the time.

Dong Wenbiao was able to cooperate in such a way. To be honest, Han Songlin felt quite normal while being surprised.

Dong Wenbiao was also very surprised at this time. Before, he was still suspicious of the relationship between THC Investment and Xinghai Group; now, it has been completely implemented, and the relationship between the two is very strong.

"The risk control department must be under the leadership of President Dong." Han Songlin thought for a while, and then continued; the risk control department is a very annoying role in many companies.

But a company without risk control will have a big problem one day.

The establishment of the Risk Control Department is not to restrict Dong Wenbiao, but to let the Risk Control Department act as a business supervision department to prevent the following risks.

You know, as a bank that deals with money, there are too many dirty things in it. If there is no strict risk control, the branches below will be able to poke the sky out of the basket.

Han Songlin believes in Dong Wenbiao's ability, and also believes that in this life, Dong Wenbiao will surely achieve greater achievements than his previous life without the restrictions of shareholders.Dong Wenbiao's ability to focus more on the operation of the bank is very important to the People's Bank of China.

In fact, this has already been evident. Since September, the pace of opening branches of the People's Bank of China has been accelerating.

Throughout September, six branches are making formal preparations, and [-] branches are still applying.

Wen Yue led a person over at this time: "Boss, Mr. Mi is here!"

Seeing Mi Yi, Han Songlin stood up happily: "Mi Yi, long time no see!"

Mi Yi has light makeup on her face, a white long-sleeved shirt with lace, black trousers and high heels, and she looks like an urban beauty.

"It's getting more and more beautiful!"

Mi Yi pursed his lips and smiled lightly, pointing to the corner of his eyes: "Boss, look at me, the nasolabial folds have come out."

"Oh, really, what a pity!"

Mi Yi looked at Tang Yan, walked over and hugged Tang Yan: "Ah, Tang Yan, long time no see."

Tang Yan pretended to be uncomfortable and said, "Sister Mi Yi, don't get excited, I'm a little out of breath!"

"Haha, I'm sorry, I'm so excited. If Skyfire Hammer hadn't invested a lot of money in us, we wouldn't be able to hold on any longer." Mi Yi felt that Tang Yan had developed a lot.

Hearing that Tang Yan just smiled, it is hoped that the software will not be able to persist?

This is the number one software company in China, occupying more than 80.00% of the domestic industrial software market.

Formed a de facto monopoly.

Well, it doesn't matter how many markets it occupies; the important point is that Han Songlin will not let Wangwang Software fail to persist.

Hopeful Software has not been profitable since it was acquired by Xinghai Group.Is the software expected to generate income?

Indeed, it is expected that the software will start to enter the international market last year.

After Hopeful Software entered the international market, it did not say that it was implementing a free strategy, but charged a fee. The price is naturally relatively cheap; because of the cheap price, Hopeful Software has won the favor of many customers.

Don't think that foreign companies don't like to use cheap products, they also like it; they didn't have a choice in the past, but when they have a choice, they will naturally try to reduce costs.

Of course, if people get the free version of Hopeful Software from China, Hopeful Software will not care about it; it depends on whether they dare to use it, and come to bet that Hopeful Software will not overestimate them.

Entering the international market, it is expected that the software belongs to the strategy of using offense to defend.

I don't want foreign software vendors to come to the Huaguo market to make trouble.

For Han Songlin, he has experienced that most of the domestic industrial software market will be occupied by foreign countries in the future, and industrial software will be suspended by the United States.

Industrial software is the soul of a country's industry, which must not be occupied by other countries.

The purpose of hopeful software is to strengthen the industrial soul of Huaguo!

This is something that every employee who enters Hopesoft must know.

Playing the patriotism card, many companies have suffered backlash, such as Fantasy Company; the reason for the backlash is very simple, that Fantasy Company has a different heart.

Talk about patriotism, but in action, there is no behavior for the country at all.

It is expected that the behavior of software in the international market will disgust some software companies.

Fortunately, the software is expected to appear a little incompetent.

Otherwise, some software companies in the United States want to do something.

Han Songlin didn't dare to go too far. The United States is still in full swing, and the Hua Kingdom still has a lot of things to ask the United States. If it goes too far, it will be troublesome.

Frustrated?kind of.

But you have to be patient, it's really cool to be in a wave, but Hua Guo at this time is really not suitable for toughness.

Toughness is a strategy that is adopted only when one is invincible; if one's own strength is insufficient, one has to pay attention to tactics in doing things.

"President Dong, let me introduce you, this is Mi Yi, the general manager of Wangwang Software!"

"Mi Yi, this is Dong Wenbiao, the new president of the People's Bank of China."

Dong Wenbiao said very politely: "Mr. Mi, it's a pleasure to meet you!"

"Hello, President Dong!" Mi Yi had a smile on his face. He was called by Han Songlin today, so it should be related to People's Bank!

The change of a new president of the People's Bank of China did not cause much disturbance in the capital.

There are too many things happening in the capital every day. Some people will pay attention to the fact that the bank has changed its president, but most people don't care.

Mi Yi didn't pay much attention to the bank. As a software company, it is expected that the software is an asset-light company and has little dealings with banks.

Han Songlin called himself here and met with the president of the People's Bank. Why?

Expect software loans from banks?

Banks do not have a strong desire to lend to asset-light companies such as Hopeful Software, because the risks are too high for banks.

Wait, there is hope that there is a possibility of cooperation between the software and the bank!

In the application of computer technology, the financial system has always been at the forefront.

Before other industries knew what a computer was, banks had already started to build networks.

After several people sat down, Han Songlin said, "I remember, Wangwang Software is doing database!"

Mi Yi: "We are working on a database, and we have reached cooperation with many companies across the country."

As for the development of industrial software, it is expected that the software is still in a state of loss.

But in terms of the database, it is hoped that the software can barely achieve a balance between revenue and expenditure.

Han Songlin looked at Mi Yi with an inexplicable expression. Is this counting as revealing his achievements to himself?

Miyi really has this meaning. Hopeful Software implements a free strategy on industrial software, allowing Hopeful Software to occupy an absolute market in the domestic industrial software market.

After occupying the market, Hopefulsoft did not give up the follow-up development of industrial software, but continued to invest heavily in software development.

In addition to industrial software, Hopeful Software is also involved in other software development, such as database development.

Even doing some software custom development and so on.

For example, accepting projects from some public institutions and the like.

Anyway, in order to make money, Mi Yi really worked hard.

But even so, Hopeful Software is still losing money every year.

How can Xinghai Group continue to invest money without revealing the results?

It has to be said that Mi Yi really underestimated Han Songlin's determination; for Han Songlin, whether Hopeful Software makes money is not that important to a certain extent.

Chapter 575

Can traditional banks play Internet finance?One thing for sure, yes!

But why did traditional banks fail to play Internet finance well? For a long period of time, banks were even in a state of opposition to Internet finance.

This is not difficult to understand.

To give a very simple example, a team has been winning games. At this time, if the head coach is suddenly changed, will it give people a feeling that the team is crazy?

Same goes for banks!

For a long time, it goes without saying how profitable the banking industry in Huaguo is; if a bank's annual net profit does not reach tens of billions, it is ashamed to call itself a national bank.

Earning tens of billions a year, this ability to make money is too scary.

Anyway, it is rare for a manufacturing company to reach such a level; as a manufacturing company, if it can earn billions a year, it is already considered a veteran, and it is definitely a top-ranking manufacturing company in China.

Banks make money doing traditional business like this. At this time, if they are allowed to engage in Internet finance, normal people will not make decisions like this; unless it is a lunatic.

And lunatics are often called geniuses.

Internet finance is very profitable. After seeing it, various banks also entered the market one after another.

But there are already many predators in this market. As a latecomer to the market, it becomes a bit difficult to seize the market again.

It's too early to talk about Internet finance now!

Han Songlin just wants to do one thing now, let People's Bank plug in the wings of technology.

"If the People's Bank of China wants to acquire customers, it must provide customers with a better user experience. For example, transfer money, transfer money with peers, it is unrealistic to talk about instant transfers, and we can't achieve it technically. However, we The future pursuit is definitely to realize the transfer of peers to the account within seconds."

Han Songlin: "It doesn't matter if it can't be realized now. We can take our time and set a goal first, transfer money between peers, and get the account in 10 minutes. Is this okay? Now 10 minutes, a year later we will 5 minutes, 3 minutes, and finally reach the account in seconds."

"The Internet is the future, and banks must actively use computer technology and Internet technology to better serve our customers. Only by putting customers first can banks acquire more customers."

Dong Wenbiao listened carefully to Han Songlin's words. Han Songlin said that he would not interfere with the management of People's Bank of China, but if he really thought that the management could follow his own ideas, he would be wrong.

Once it is said that the bank has not met the requirements of the Xinghai Group in terms of development, it will become inevitable to replace the management.

For example, the change of the president of the People's Bank of China this time will be changed in a matter of a few days.

Dong Wenbiao didn't want to be replaced. The platform of People's Bank is really too important to him; there are only so many banks in Huaguo. If he can't realize his ambition in People's Bank, then he will no longer have a chance .

Mi Yi put a fruit into his mouth, and while listening to Han Songlin's words, he somewhat understood why Han Songlin called him over.

If you make a system for a bank, is it expected that the software will work?

In the past, Mi Yi really didn't think about it, but suddenly there was a feeling that his eyes were opened.

As far as software development is concerned, is there any company in China that is stronger than Wangwangsoft at this time?

Not bragging, really not.

Many companies come to HopeSoft to poach people, but it is not so easy to poach people from Hopesoft.

First of all, in terms of wages, it has to hit a lot of companies.

"Does the Internet bank know?"

Dong Wenbiao nodded seriously. He naturally knew about internet banking and its development potential.

"Internet banking must be paid attention to. People's Bank should focus on the development of this area. There are very few online banking businesses now, but the business can be cultivated. After enjoying the convenience of online banking, I don't think anyone will refuse. use."

As for the security of online banking?This should be the most basic thing.

"The bank can also produce some wealth management products. You can discuss this with Tang Yan in detail."