My rebirth is different.

Chapter 578 The Future of Pudong Development

This is not normal!

Why does the largest shareholder give up the chairmanship to the second largest shareholder?

For a moment, the third largest shareholder, Zong Wang, Hank, the representative of Citigroup, and President Wu, were all stunned on the spot.

The first person to react was Mr. Wang of Modu International Group. He was also a member of the system. He quickly figured it out, and immediately raised his hand happily and said with a smile: "The candidate recommended by Mr. Liu is too suitable. The overall ability is obvious to all. Under his leadership, I believe that Shanghai Pudong Development Bank will usher in new glory. I agree!"

Well, the top three shareholders have all agreed, and there is no need to ask the attitude of the rest.

Hank deadpanned and raised his hand in agreement.

President Wu was surprised and delighted, and he never thought that Yu Wenfei would be the new chairman!

This is my junior, my dear!

I had a fight with the chairman about the loan from Jiale Company a while ago, and Yu Wenfei must not forget this feeling, so with Yu Wenfei, the chairman and the second largest shareholder, covering me, the days to come But it's better.

Yu Wenfei smiled slightly, "Thank you for the trust of all shareholders. Let me express my opinion first. I already have a general direction for the future planning of Shanghai Pudong Development Bank. After becoming the chairman, I will join hands with President Wu to expand the scope of Shanghai Pudong Development Bank. business, and will not disappoint shareholders.”

The chairman, of course, controls the general direction of the company and basically does not participate in daily management.

Therefore, holding such an extra position will not have much impact on Yu Wenfei.

He just wants to let Shanghai Pudong Development Bank move forward according to his own ideas under his own control, and escort the launch of WeChat payment business!
When the new chairman takes office, of course he has to report his work ideas and policies to the board of directors. Yu Wenfei doesn't want to bother everyone to get together for a special meeting to listen to his report. Just think about it.

"When it comes to financial expertise, it's obvious that several of you here are much more professional than me." Yu Wenfei said with a smile.

Everyone will also smile. Except for Yu Wenfei and Mr. Wang from Shanghai Magic Capital International, the other three are all elites in the financial industry.

Needless to say, President Wu has served as the president for many years, and has worked in the financial industry for more than 20 years after graduating from Jiaotong University with a master's degree in finance.

Needless to say, the one from Citigroup is obviously one of the elites in the financial industry.

As for President Liu of International Trust Investment, his qualifications are much deeper than that of President Wu!Educational background, experience, etc., completely overwhelm President Wu's existence, otherwise the city would not be able to rest assured that hundreds of billions of funds will be entrusted to him.

No matter how talented and accomplished Yu Wenfei was, he was clearly inferior to these people in terms of professionalism.

"However, as for the development of Shanghai Pudong Development Bank, maybe I, a layman, can look at this issue from another angle. And what I will say next will help Shanghai Pudong Development Bank complete the corner overtaking! From a local commercial bank, Become a national bank second only to the four major state-owned banks!" Yu Wenfei said seriously, his face turned serious.

The meeting room was completely silent, and everyone was listening to him attentively. Although Yu Wenfei's words were a bit loud, Shanghai Pudong Development Bank has a good foundation. Relying on the construction and development of Pudong New Area and the support of the city, it has developed rapidly.

But no matter what, it was just a local bank that started in Pudong New Area. It was not even as good as Modu Bank, and it was not ranked well in the whole country.A provincial-level local bank drawn from any province will be much stronger than Shanghai Pudong Development Bank.

Why is Yuwenfei confident that Shanghai Pudong Development Bank will become one of the top national banks?

"In the next period of time, our Shanghai Pudong Development Bank will focus on two aspects. The first is the credit card business!" Yu Wenfei said bluntly.

Hank from Citibank's mouth curled up, a smile appeared on his face, and he felt a little contemptuous in his heart. Yu Wenfei has been blowing his feelings for a long time, which is the credit card business.

Anyone who is a senior person in the banking industry doesn't know the importance of the credit card business, what do you need to say?

All banks are vying for high-quality credit card customers, but in the environment at that time, many people still misunderstood credit cards deeply.Chinese people have a good habit of saving, and credit cards are used to overdraft future income, which is contrary to the tradition of Chinese people.

Therefore, although the major banks are advocating the credit card business and making great efforts to find customers, the results are not very good.

Even so, all banks did not give up their efforts, because they all know that the market share of credit card business will determine the future of the bank!
Shanghai Pudong Development Bank is only a local bank. Although it has also launched credit card business, the business progress is not very smooth due to the small number of outlets and small coverage.

Credit cards are very restrictive, especially at that time in 2003, it was very troublesome to repay with just one credit card.Because you need to go to the branch of the bank to which the credit card belongs to repay the repayment, there is no so-called cross-bank repayment.

Fortunately, several major state-owned banks have a lot of outlets, and the repayment is more convenient.

But for small banks, this is too troublesome.

Except for Hank, the others were a little bit disapproving, but they didn't say anything, waiting for Yu Wenfei to continue to explain.

Obviously, Yu Wenfei also expected everyone's reaction. He continued calmly: "The second aspect is actually closely related to the credit card business, and that is the online banking business! In the future, our Shanghai Pudong Development Bank will fully open it. Internet banking allows all users to freely make payments and repayments through the Internet! This will also completely solve the problem of too few outlets of our Shanghai Pudong Development Bank."

online bank?

This has aroused everyone's interest.

Mr. Liu, President Wu, and Hanke are all veterans in the financial industry. Of course, they have heard of the concept of online banking.

However, this concept has not yet been fully implemented. In Europe and the United States, some banks have begun to tentatively launch online banking services, but none of them have fully promoted them.As for the domestic, there is no bank that has this business, but I heard that China Merchants Bank in the south is preparing to start this business.

"Oh? Can Mr. Fei explain this in detail? Online banking is a very trendy business, but as far as I know, conducting financial services on the Internet is very risky. If users don't know how to operate computers, plus If the computer has a virus or something, it will pose a great risk, how to solve this problem?" Mr. Liu asked with great interest.

"It doesn't matter if you don't know how to operate a computer. We can simplify the operation so that users can understand it at a glance. In addition, when the online banking was first launched, the functions can be less. After everyone gets used to it, we will slowly add functions. As for computer viruses and so on , this is actually very easy to solve. Set up a technical department, recruit technical experts, and develop online banking payment security plug-ins. Every time a user starts the online banking client, the plug-in will automatically scan the computer working environment to prevent virus intrusion. Fully rolled out, combined with our credit card business, we will be ahead of all competitors and occupy the main consumer group of the new generation!" Yu Wenfei said with high spirits.

President Wu, President Liu, Hanke and the others fell into contemplation. Yu Wenfei's idea is very feasible at present!
Although there are still many technical problems that need to be solved, they are not major problems, and all technical problems can be solved. However, once this strategic transformation is successful, it will determine the future of Shanghai Pudong Development Bank!
"But... Shanghai Pudong Development Bank is still a small bank. We can't spread the outlets across the country. Even if the online banking is good and the credit card is easy to use, how will the users get the card? How will they repay the loan in the future? The card can't be used. Get out, what's the point of the rest."

Hanke said suddenly, he felt that he had caught the loophole in Yu Wenfei's plan, that is landing!No matter how good the plan sounds, it is empty talk if it cannot be implemented!
The simplest question is that Shanghai Pudong Development Bank now has more than a dozen outlets in Shanghai, and there are seven or eight outlets in Jiangsu and Zhejiang provinces. This is also the way that Shanghai Pudong Development Bank directly contacts users, and the coverage is too small.

Then, users from other places can’t come to Shanghai just to get a card, right? Will they have to come to Shanghai every month when repaying the loan?

"Mr. Hanke is right. Are we going to expand nationwide and open outlets? Will the risk be too great..." Mr. Liu also frowned.

How could Yu Wenfei have not considered this question? He smiled and explained patiently: "Let's talk about the card application first. Why do customers have to go to the branch to apply? Gentlemen, times have changed! Now the Internet is so In developed countries, we can directly open the online application channel, and users can mail in any required materials, or just send electronic materials directly!
Of course, we cannot give up on traditional channels. If Shanghai Pudong Development Bank wants to become a large national bank, it still needs channels and outlets.But we can take it step by step first. The first step is to set up outlets in all provinces and cities across the country, and gradually develop in the future.

Occupy first- and second-tier cities first, because our potential target customers are the most concentrated in these big cities!In addition, have you forgotten my other identity? "

Everyone was taken aback, another identity of Yu Wenfei?
Oh, Yu Wenfei has many identities, such as great writer, student, Internet entrepreneur, big boss, etc. Which one is he talking about?

"Facebook! It has Facebook, a network social platform with the most concentrated white-collar groups. It can be said that more than % to % of the groups who are eligible to apply for credit cards have Facebook accounts! Use Facebook as a channel to promote , Bundling our credit card with online banking for promotion, the effect should be much better than offline outlets!"

(End of this chapter)