In other words, there are sub-brands of the group in stages. The main body of the Group is Shenzhen Qianhai Feida Financial Services Co., Ltd. (hereinafter referred to as "Qianhai Feida"), and its largest shareholder and actual controller is Gao Yunhong. Gao Yunhong is the chairman, executive director and controlling shareholder of CMA Holdings, a Hong Kong listed company.
Meanwhile, Gao Yunhong is the founder of CMA, which mainly includes Shenzhen CMA Technology Holdings Co., Ltd. (formerly known as Shenzhen CMA Financial Holdings Co., Ltd., hereinafter referred to as CMA Technology). Feida Technology not only owns Feida Dai Yun, but also is the third largest shareholder of Shizuishan Bank.
If before this, the main tone of Internet finance industry was expansion, then after 20 18, the main tone of Internet finance will become contraction.
Regarding phased layoffs, let's listen to what people in the industry say first:
"The store was laid off, the offline business was laid off and all 2,000 people were laid off."
"The layoffs are real. Suddenly, the first day was normal. The next day, I immediately asked to sign the contract, and then I left. "
"Soon, even in the morning, I said I would lay off employees. I will inform you in the afternoon and let you go tomorrow. "
"In fact, there was a contraction at the end of last year. First, cut down some unprofitable cities. "
"We have dozens of points across the country, and it is normal to lay off 1 2,000 people. Hundreds of people have been laid off in Shenzhen alone, not to mention nationwide. "
First, the company adjusted its strategic development direction.
Second, the internet finance industry as a whole began to shrink.
NBD: It is reported that your company has recently laid off a large number of employees and even closed its offline stores. Is it true?/You don't say. /You don't say.
That is, there is a group: that is, the adjustment of group personnel and channels is a normal business activity, and enterprises also have corresponding actions. The number of cooperative stores in our country has always been dynamic. At the end of 20 18, personnel and channels were optimized based on the market environment and internal strategic adjustment of the company.
NBD: If the above information is true, how many people will be laid off? What areas are involved in the closed offline stores?
There is one group: the optimization is mainly based on the adjustment of 20 19 channel strategy, and our offline business is changing from asset-oriented mode to asset-oriented mode. At the same time, according to the regional market situation, sales team and individual performance, future development space and other comprehensive factors, the normal inflow and outflow of personnel. The purpose of adjustment is to improve efficiency and better serve customers.
NBD: Will you only develop online business and abandon offline business in the future?
Youqun: Scenario consumer financial services have always been an important business of our company, and we will not give up offline business. At present, all departments and sub-brands of the company are operating normally. In the future, we will adhere to the inclusive finance route, focus on the digital technology platform of consumer financial services, and help customers realize a better life with the power of financial technology.
NBD: I learned from many sources that the number of layoffs in your company is as high as 2,000. Is this number true? Will layoffs continue in the future?
There are groups: not so many. Our company will adjust its normal business according to the strategic plan and effectively protect the legitimate rights and interests of customers, partners, employees and the company.
NBD: Has the operation of your company changed a lot since last year? Are layoffs also to improve the company's operating conditions?
That is to say, there are groups: as we all know, the market environment has changed a lot since 20 18, and many enterprises are actively responding, improving efficiency, reducing costs and actively transforming. As an innovative financial service company, we will continue to keep our initial intention, calmly respond and make positive changes, such as changing the offline team from asset-oriented mode to light mode. All the changes are for the better, so that the company can take on more social responsibilities.
That is, some public relations groups did not respond positively to the number of layoffs.
As a star company in the industry, the news of layoffs in stages spread like wildfire, which brought a lot of shock to the industry.
In 20 18, all business divisions will be integrated into directly affiliated groups in stages, and
The original shareholders of Haidafei are Gao Yunhong, Shenzhen Luluxin Technology Co., Ltd., Shenzhen Qianhai Bo Shi Capital Management Center (Limited Partnership) (hereinafter referred to as "Qianhai Bo Shi"), Zhuhai Wenhui Equity Investment Enterprise (Limited Partnership) and IOT Xiangtong Network Technology Partnership (Limited Partnership) (hereinafter referred to as "IOT Xiangtong"). According to the survey information, the above five shareholders hold 25%, 25%, 20%, 15% and 15% respectively.
It is worth noting that Gao Yunhong is the actual controller of the former Haida Iflytek. Although Gao Yunhong's direct shareholding in Qianhai Feida is only 25%, it is the largest shareholder of IOT Xiangtong and the top ten shareholders of Qianhai Bo Shi, holding 99.90% and 5% respectively.
Back to Gao Yunhong himself, he is the chairman, executive director and controlling shareholder of CMA Holdings, a Hong Kong-listed company. CMA Holdings, formerly known as Zhan Feng Holdings, landed on HKEx Growth Enterprise Market in September 20 15 and successfully transferred to the main board in July 20 17. At the end of 20 17, Gao Yunhong acquired nearly 70% equity of Zhan Feng Holdings through a wholly-owned subsidiary, and became the controlling shareholder of the listed company in one fell swoop. 2065438+In March 2008, Zhan Feng Holdings officially changed its name to CMA Holdings.
According to the semi-annual report of CMA Holdings for 20 18, the directors have actively sought other business opportunities to diversify the existing business of the Group and explore new markets with growth potential.
It is worth mentioning that on 20 18, CMA applied for shares in Shizuishan Bank, which was successfully voted by the shareholders' meeting. Feida Technology officially became the third largest shareholder of Shizuishan Bank.
0030 10 shows that at the end of 20 15-20 17, the total assets of Shizuishan Bank were 45.21400 million yuan, 51205438+0 billion yuan and 60.539 billion yuan respectively. At the end of September, 2065438+2008, the total assets of Shizuishan Bank were 62.645 billion yuan, an increase of 2 1.06 billion yuan or 3.48% compared with the beginning of the year. At the end of September, 2065438+2008, the balance of deposits was 42.390 billion yuan and the balance of loans was 35.364 billion yuan. At the end of September 20 18, the total profit and net profit were 268 million yuan and 654.38+75 million yuan respectively.
It is worth noting that the non-performing loan ratio of Shizuishan Bank increased and the provision coverage ratio decreased. As of 2065438+September 2008, the NPL ratio of Shizuishan Bank was 2.49%.
, an increase of 0.38 percentage points compared with the end of 20 17; The provision coverage ratio was 146.98%, which was 9. 16 percentage points lower than the end of 20 17.
National business daily
Related Q&A: Was it accepted by the staging court? 1. Is it accepted by the staging court? 1. It was accepted by the provisional court. Although when signing a loan contract, there are many projects in stages and the total cost is high, the state stipulates that the interest shall not exceed 36%, which is not protected by some laws. If the arrears are not repaid, they will be brought to court in stages, and the court will accept them. After the court wins the case and fails to perform the court's judgment within the performance period, it will apply to the court for enforcement. When the court accepts enforcement, it will inquire about the real estate, vehicles, securities and deposits under the name of the lender according to law. 2. Legal basis: Article 675 of the Civil Code of People's Republic of China (PRC) stipulates that the borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time. Second, is there an installment credit report? There are all installments. The existing installment loan funds are all from banks, so all loan records will be reported to the credit bureau. As long as there is no overdue behavior, it will not have a negative impact on personal credit. However, once it is overdue, even if it is only one day overdue, it will be recorded in the credit report. After paying off the debt, it will be kept in personal records for five years, and will be cleared automatically after five years. If the arrears are not paid off, the records will never be clear, which will affect the borrowing activities in other financial institutions in the future.