Winning the new financial era

Chapter 21 I like you very much

After the delivery was completed, Ruixiang Technology first returned the 20 yuan previously loaned to the company to Zhang Yida.

张益达看着账户里1360万余额不知道该干什么了，其中140万是之前抵押了两套房产的贷款，还是瞒着父母贷的。另外1220万是卖掉了1%股份获得的250万美元（税后200万美元）兑换的。

Repay the loan when you go home during the Chinese New Year!In the past, it was because of the double insurance that the start-up capital was insufficient.Now that you have money, return it quickly!After all, it was done without telling the parents, and it was nothing glorious.

One-tenth of the small goal set before starting a business has been completed, and 1000 million has been obtained in this way.

buy a car?Buy a suite?
I must buy a car, and it will be convenient to commute from school to work later.

Sports car, not a good choice.It's neither practical nor too high-profile. After all, I'm still a student, and the company has just started to grow a bit, so I bought a multi-million dollar sports car with the cash out, which didn't give investors or other outsiders a particularly good impression.

Investors invest money in the company, and the money is given to you for the development of the company, not for your enjoyment.

Then buy a Panamera, which is less high-profile and more practical.

house?Definitely still have to buy one, villas are fine, ordinary houses or apartments are fine, and it is best to be close to schools and companies.

There should be some money left over, which can be used to start a P2P business. Although P2P companies will face liquidation and various negatives in the future, such a company is needed for business promotion to fill the business territory.

Renrenyoudai has just received US$1.3 million in Series A financing, which is the largest single-round financing in the global Internet finance industry.This news undoubtedly gave the market a shot in the arm. Until the regulatory action in 2017, P2P was always a favorite in the market. It was highly sought after by capital, and the wave of financing was higher than the wave.

If you want to run a P2P home, who will take care of it?I definitely need to temporarily focus my career on Ruixiang Technology, at least before the B round of financing.

You need to find someone who you can control to take care of it. P2P is a double-edged sword. If you don't play it well, you will cut yourself all over.

According to my previous life experience and familiarity with various regulatory policies, it must be no problem to play by myself, and this plate must be under control.

Huh, suddenly Zhang Yida thought of a candidate.

Ding Siyao, the girl who took out a housing loan for herself.Graduated from Sichuan University of Finance and Economics, and the major is also the counterpart.What's more important is that the girl's self-motivated spirit moved me very much.At the same time, she also has her own bottom line, not the kind of girl who messes with clients casually for the sake of performance.

Zhang Yida opened WeChat, found Ding Siyao's WeChat, and sent a message:
"What are you doing? Are you interested in starting a business in the capital?"

The specific content of entrepreneurship is not very clear, let's see Ding Siyao's reaction first.

Ding Siyao just finished handling the loan for the client at this moment, picked up his mobile phone, and saw this wechat.

Emei frowned slightly, he was very impressed with Zhang Yida, she was her first client.Ever since Zhang Yida made an order and received a commission of 1.4 yuan, she has been encouraged.The work in the next two months seemed to be on the hook, and I passed countless passes. I won the company's sales crown for two consecutive months, and I was soft on various honors and commissions.

Now that Zhang Yida proposed such an invitation to let her give up her monthly salary of tens of thousands of yuan, and still go to a strange city in the capital to work hard, she really couldn't let go.

Politely replied:
"Thank you handsome guy for your invitation! I'm doing a good job here in Rongcheng. I haven't thought about starting a business for the time being, and I lack relevant management experience and skills."

Zhang Yida was not discouraged when he saw this, and continued to ask on WeChat:

"How much salary can you get a month in Rongcheng now? How long will it take to buy a house?"

Ding Siyao replied again:

"I can now earn 3 yuan a month, which is our company's top seller. I expect to be able to buy a house in Rongcheng after three years of hard work."

Zhang Yida laughed, feeling funny, and typed again:
"According to the current monthly salary of 108, you can earn 2 million in three years. But in three years, the house price in Rongcheng should rise to [-] square meters. Is it your salary that is rising faster, or the house price?"

Ding Siyao was a little upset, what's wrong with my wife.jokingly asked:
"Then when I go to the capital and start a business with Mr. Zhang, how much salary can I get? Can I still buy a house in the capital for three years? Then ask Mr. Zhang to take care of the little girl."

Zhang Yida was not angry either, and continued to reply:
"Buy a house in three years? It won't take that long, sooner or later, you can get a house in the capital by your own efforts."

Ding Siyao looked at the message on the phone, shook his head and smiled, and continued:
"Master Zhang, my family is not as big and successful as yours. I come from the countryside and I don't have so many opportunities for trial and error. My biggest dream is to buy a house in the city and bring my parents to the city to enjoy happiness. You want me to give up all foundations now and go to the capital to start a business with you. If the business fails, you go back to school to continue studying and continue to be your wealthy son. I mutter? What should I do?"

Zhang Yida felt that this girl was still under too much pressure, and she was eager to get ahead.Buying a suite in a big city and settling down has almost become an obsession.

This is exactly the dream and pursuit of many young people in the contemporary era. Only when they have their own house in a big city can they have a place to live and live, and only then can they have a home and sustenance.

The house has also killed the dreams and pursuits of many young people.Work hard, work hard and bear the burden of hard work in the post, isn't it just for a house?Poetry and distance, wash up and sleep, realists should calm down.

After thinking for a moment, Zhang Yida decided to give this girl a chance, and it was up to her to choose whether to catch it or not.typed:

"I am planning to start a P2P online lending company in Beijing, connecting investors at one end and borrowers at the other end.

You don’t have to worry about the early investors, another company under my umbrella will help drain traffic, and will also bring in some operational experts to assist you.

You are mainly in charge of the borrower, and you have done loans, so I think you are more suitable.

The basic salary is set at 5 a month, and a bonus will be given to you at the end of the year if you do well. The bonus amount will not be lower than your basic salary.

In addition, you can also give up the high salary and get a monthly salary of 1, but give you 5% of the company's shares.

By the way, the initial investment of the company is about 600 million, you can think about it.

Don't rush to answer me, you can search for information about me and Jingcheng Ruixiang Technology on Qiandu before thinking about it. "

After finishing speaking, Zhang Yida didn't continue to speak, because he thought you were more beautiful, and couldn't bear the pressure you had to bear so hard to give you a chance.It's up to you whether you get in the car or not!

On the other hand, Ding Siyao was a little confused because the amount of information Zhang Yida sent was too much.

I quickly took out my mobile phone and checked what is P2P online lending.

P2P online lending refers to direct lending between individuals through the Internet platform.It belongs to a subcategory of the Internet finance industry. Originated in the UK in 2005, and then spread to China, it is an imported product. In 2007, the first platform, Paipaidai, was born in China. In 2012 last year, it had already obtained a round A financing of US$2500 million from Heishan Capital.

This month, the Renren Youdai platform also received US$1.3 million in Series A financing, jointly invested by institutions such as Zhiai Capital and Penguin Industry Win-Win Fund.

Ding Siyao himself also studied finance, so he immediately understood the operation principle of the platform.It is to absorb investors' funds at one end, and to issue loans at the other end, earning interest spreads and various service fees.

In addition, various capitals continue to inject capital into the Internet finance industry, which also shows their optimistic attitude.As an emerging industry, the potential is indeed unlimited.

Ding Siyao was a little moved, and felt that he had more potential than being a loan salesman himself.Even if you don't make any money for a while, if you do it, there is always a chance.

Then I searched for Zhang Yida and Ruixiang Technology, and a lot of news reports appeared.

"Ruixiang Technology, founded by entrepreneurial pioneer Zhang Yida, received US$5000 million in Series A financing within two months of its establishment."

"Internet financial upstart Rui has nearly 2.5 million registered users of the software under the technology, with a valuation of [-] million U.S. dollars."

It's full of reports like this.

Ding Siyao was a little surprised, and read the news side by side, and generally had a more specific understanding of Ruixiang Technology and Zhang Yida.

"He said that the diversion investors of his subsidiary companies should be referring to this Ruixiang Technology! It holds tens of millions of Internet financial traffic."

Ding Siyao secretly said.

After thinking for a while, I noticed a detail. Ruixiang Technology was founded less than 2 months ago, probably in October.Venture capital of 10 million, is it more than 100 million mortgaged for the two houses?
Thinking of this, Ding Siyao felt extremely incredible.

Fortunately, at the beginning, I thought he was a son of a rich family, and the mortgaged house was used for all kinds of extravagance.

Unexpectedly, this is how he got his first pot of gold in starting a business?

In 2 months, he founded a mutual fund company with a valuation of 2.5 million US dollars.Are all the 18-year-old kids so powerful now?
Ding Siyao is a little confused now, if she hadn't searched for these materials, she would have sneered at Zhang Yida's offer.A little kid is still fooling his sister.

But now after searching for information and understanding the real situation, I am a little excited but also a little worried.

Emotion is to go to a big city like Beijing to do high-end Internet financial projects, with high salaries and even shares.

I was worried because I was afraid that I would not be able to do this project well if I went to the capital. If the project failed, I would be empty-handed.At the same time, the position in Rongcheng with a monthly salary of 3 yuan was also given up.

It was so difficult to make a choice, Ding Siyao felt that he needed to calm down.Think clearly before giving an answer, rashly agreeing not to be responsible to yourself, nor to the other party.

Reply to Zhang Yida on WeChat:
"Zhang Dong, you give me two days, I will think about it carefully and give you an answer as soon as possible.

Also, are you sure you want me to be the person in charge of the asset side?I'm afraid that if I don't have enough experience, I won't do well, and it will delay your project. "

Zhang Yida looked at it and smiled, it seemed that he had searched for reports about himself on the Internet.He was called Mr. Zhang just now, but now he is Mr. Zhang again.

replied:
"Okay, think about it carefully! After thinking about it, call me!

In addition, the person in charge of the asset side, I like you very much.We can learn slowly without experience, the main thing is that you must have a diligent and motivated heart.

Don't worry, I'm not kidding with you.

I am serious about doing business! "

(End of this chapter)