Winning the new financial era

Chapter 23 Payment Layout
After dealing with a bunch of things about buying a car and a house, the office building at Wudaokou has also been renovated.

Ruixiang Technology moved out of the school's Innovation and Entrepreneurship Center and moved into Kelin Building.

Kelin Building is located between Beijing University and Wudaokou, adjacent to Zhongguancun. The feng shui and location are very good.

The entire Kelin Building is 50 floors high, and the surrounding supporting facilities are complete. It has just been completed for less than 2 years, and the inside and outside of the building are as brand new.

Ruixiang Technology rented the 1200th and 35th floors with an annual rent of 36 million, with a total area of ​​3000 square meters.

The decoration design style is fashionable and simple, simple and bright.At the same time, a lot of green plants are also arranged to make the whole space look more vibrant.

The chairman's office covers an area of ​​200 square meters. The use of light-colored sofas, wood-colored floors, office desks and chairs blends naturally, and the vertical table lamps create a touch of home comfort.

Bookshelves are also arranged, and many history books and books on economics and management are placed.

Zhang Yida was very satisfied. He walked to the huge and bright floor-to-ceiling windows and looked into the distance. The view was wide and the sun was shining brightly.

"Bang bang" knocked on the door.

Zhang Yida turned his back to the door and said, "Please come in!"

Looking back, Lin Zhenyang, who was dressed in formal attire and had his hair combed meticulously, smiled and led a refined middle-aged man in his 30s who was also in business attire into the office.

Lin Zhenyang introduced:

"This is the CFO recommended by Blackshirt Capital, Mr. Lei Dongming."

Zhang Yida stepped forward and warmly shook hands, beckoning the two to sit on the sofa, and asked the executive to bring three cups of steaming coffee.

The three leaned on the leather sofa, and Lei Dongming took the lead in introducing:

"Dong Zhang, I graduated from the School of Economics and Management of Aoki University in 02, and then went to the University of Chicago in the United States to study for an MBA. I worked at Goldman Sachs for 5 years in investment and mergers and acquisitions, and then went to Liehu Mobile as CFO to guide Liehu Mobile. listed.

Mr. Shen in the black shirt recommended me to come to Ruixiang Technology as CFO, and I am deeply honored.

As a dark horse in the field of domestic mutual funds, Ruixiang Technology has no doubts about its development potential and space.

To be able to work with such young talents as Mr. Zhang and Mr. Lin is also very happy and inspiring to me.

I believe that under the leadership of Mr. Zhang and Mr. Lin, Ruixiang Technology will surely make a career in the mutual fund industry and become a great company.

And I will also use my more than 10 years of investment, mergers and acquisitions, and financial management experience to plan and solve all financial management problems for the company, and do a good job in logistics support. "

Zhang Yida laughed, thinking that Lei Dongming, a sea turtle, was very good at talking and expressing his views. All the elites in the business field were really good people.

Blackshirt Capital sent him to join Ruixiang Technology as a talent introduction to supplement Ruixiang's strength. The second is to arrange for someone to intervene in the company's management and understand the company's trends.

After all, tens of millions of dollars are not thrown in vain. Venture capital should not only help the invested company strengthen its strength, but also prevent the founders of the company from hollowing out the company or doing other things that are not conducive to the company.This can be regarded as the post-investment management of venture capital institutions!

Lei Dongming first flattered him and Lin Zhenyang when he came up, and then stated that he only pays attention to the financial affairs of the one-third of an acre of land, and will not interfere in the management.

Zhang Yida smiled and said:

"On behalf of Ruixiang, I welcome you to join us.

Mr. Lei is an expert in the field of finance and investment. He has also served as the CFO of a listed company in China Concept Stocks. He is familiar with the listing operation process. Mr. Lei will need to contribute a lot in this area in the future! "

Lei Dongming said modestly:

"Wherever it is! It's all about responsibility and what should be done."

Zhang Yida was about to weigh the ability of this CFO, and asked again:

"I don't know Mr. Lei, what do you think of the current Internet financial development and various opportunities?"

Lei Dongming knew that he was considering himself. Before he came to report, he had already collected and summarized various news in the field of mutual funds.Smiling calmly:

"This year can be regarded as the first year of development in the field of Internet finance. Ant Financial took the lead in launching Yu'e Bao, which opened the era of Internet wealth management.

Today, the total deposits of domestic residents have exceeded one billion yuan.For ordinary people in China, financial management channels are still too single.

Most people's financial management methods are deposit savings, or bank financial products, currency funds, and dividend insurance.These financial management methods are safe, but they have low returns and cannot beat inflation.

The high returns in the stock market are also accompanied by high risks, and many ordinary people are afraid to invest.

The emergence of Yu'E Bao and various Internet financial management platforms has filled the gap in the domestic financial management market, taking into account the characteristics of higher returns than banks and lower risks than the stock market, so it is basically foreseeable that it will be popular with the public in the future.

As Ruixiang Technology is a financial supermarket, the more popular the Internet wealth management platform is in the market, the greater the room for development.The status will also rise with the tide.

What Ruixiang has to do is to firmly control the flow and wait for the wind to come.

In addition, I think Ruixiang still has plenty of funds, and in the future, it can selectively invest in several potential start-up mutual fund companies.To maximize the benefits of this wave of industry development.

Conversely, when these companies grow stronger, they can become the company's product partners and feed back Ruixiang Technology.The money we took out of our left hand pocket was earned back in our right hand.

In addition, the company's current products are relatively single.

We can all get involved in online loans, fund sales, and Internet insurance sales in the future.

We will maximize the advantages of our traffic, provide customers with richer financial products, and create greater profits and values.

We can participate in the three traditional banking businesses of deposit, loan and remittance.Create new finance with Internet empowerment.

It's just that it is very difficult to obtain the corresponding financial license in China.

To save this piece, you need bank, fund, insurance, and trust licenses.

Loans require consumer finance and Internet small loan licenses.

Remittances are required to pay for a license.

Of course, the above are some immature ideas of mine, and some of them may not be so realistic and prepared. I hope Dong Zhang and Mr. Lin will not laugh at me. "

Zhang Yida applauded and applauded:

"Mr. Lei really hit the nail on the head when he saw the problem, and some ideas coincided with mine.

If Ruixiang Technology wants to control traffic, it needs to improve many layouts, expand the market, and increase marketing expenditures.

Expand market share, increase revenue, and raise more funds.Then use financing to burn money and continue to expand the market size.

The pace cannot be slow, and the track must be firmly occupied in front of the opponent.

Expand the market size→increase financing→finance and burn money to continue to expand the scale→continue financing...

Winning most of the market size in this field and winning most of the financing invested in this market is my true inner thought.

We have an absolute advantage in market size, and our competitors cannot raise capital and have no money to provide us with vicious competition.

It must be fast, and rely on the financing rhythm to drag down the opponent.Otherwise, there will be a tug-of-war, and all kinds of money will be burned at that time. The company should not want to make a profit, and it will be a junk stock if it goes public.

So our funds seem to be abundant, but in fact they will be used for marketing and expanding the scale.

But what you said about investing in start-up mutual funds is a good idea.

The company arranges a strategic investment team, and you are responsible for managing the selection of projects and investing in mergers and acquisitions.

Initially, 5000 million will be drawn for you, and the angel round and the A round will be the main ones first!

Cash can be invested less, but our traffic resources can also be counted as a kind of capital and mixed together.

In addition, I have been considering the matter of expanding products and obtaining relevant licenses.

Don't worry about this, you can only come one by one.

It is not advisable to swarm in. It is necessary to maximize the utilization of resources and make breakthroughs at a single point. After gaining an absolute advantage in one field, we must deploy the next one.

The advantages of this year's financial management have basically been determined, and next year we will deploy online loan diversion business.

In terms of licenses, the most necessary thing is to pay for licenses.

Deposit and loan business are all channeled to our partners, and we do not need to be licensed.Instead, the partner is required to be licensed.

In terms of remittance, I want to do direct sales business, scan code payment and mobile payment.

It means that everyone can go out with a mobile phone, and can pay with the mobile phone, bringing society into a cashless era.

This business is currently being promoted by Ahri and Penguin Funds, and we are at a latecomer if we want to do it, and we can't burn as much money as others.

So I've been thinking about where is the entry point?

It doesn't take much to cut in, and I'm very satisfied if I can occupy a 10% share.

Creating a payment software can attract new users for us, absorb traffic at the same time, and increase user activity and stickiness.

The three directions of deposit, loan and remittance are completed, so it can be said that the user's asset situation is fully grasped.

Financial management, borrowing, transfer consumption, combined with our accounting data and credit card data.We can launch personal credit scores and do risk control output business for other financial institutions.

The most missing link now is payment, which is very troublesome.There must be scenarios or traffic support. Ali is promoted by e-commerce, and now Alipay users have exceeded 3 million.Penguin has a large number of users, so it is relatively easy to promote.

Mr. Lei, do you have any good ideas? "

Lei Dongming was really engrossed in listening, what Zhang Yida said was so attractive, and he was still thinking about it in various ways.Zhang Yida suddenly called him, and it took him a long time to react, and hurriedly replied:

"How about we start with the subdivision of third-party payment?
In the early stage, we will focus on industry needs and develop industry applications, such as providing third-party payment interfaces for wealth management companies and loan companies, and take the financial industry first.

Then gradually push it to person-to-person and person-to-small businesses. "

Zhang Yida thought about it, and this is more realistic, including the existing customers, and now it is just to continue to deepen cooperation.nodded and said:
"It makes sense, but I'm too impatient. We can't do the giants at the moment, let's develop a wave of wretchedness first!"

I also think of the popularity of third-party payment licenses in later generations, and the transaction price is more than one billion.Hastily opened the mouth and said:

"You should do some research first to see if we have time to apply for a license to issue it this year? Buy it before it's too late. This project cannot be stopped and must be launched immediately."

Lei Dongming agreed, and then ran around to inquire about the relationship.

Zhang Yida recalled the fiery financial license trading market in later generations, and wondered whether he should quickly hoard a wave of licenses, speculate on licenses, and sell a wave of licenses during the peak price period of 17-18, earning ten times or eight times the income.

Take the payment license as an example, this is a standard configuration for giants, such as Ahri and Penguin.Goudong was acquired. It is said that Meituan acquired it in 16 at a cost of more than one billion.

The third-party payment license business can be divided into three parts: Internet payment and mobile payment, prepaid card issuance and acceptance, and bank card acquisition.The highest value is Internet payment and mobile payment.

This year's 13 years should be the year with the most payment licenses issued, and it seems that more than ten or twenty will be issued next year. The last one released in 15 became a swan song.

In the end, there were only more than 200 stocks in the national stock market, the kind with a price but no market.However, for Internet giants, financial giants, real estate and communication giants, one billion eight hundred million is not unaffordable.The key point is to complete the strategic layout and legal operation.

It was only in 2010 that it began to require licensed operations. The previous e-commerce giants ran naked without a license.

This is also a financial phenomenon in the country. They are all innovating first, and then rectifying when there is a mess, and then require a license to work.

　Ladies and gentlemen, it is recommended to collect and take a wave!
　　


(End of this chapter)