Winning the new financial era

Chapter 34 Dare to add a bet

Ge Erping has been deeply fascinated by this software since he earned 360 yuan in the investment financial supermarket some time ago.

Especially after the 12 invested platforms expired one after another, the 1200 yuan recharged and invested was also successfully withdrawn to the bank card.

This kind of love and trust in Touronghui has reached its peak. Every day, I will open the Touronghui app to scan advertisements to see if there are any new platforms launched, so as to continue to make money.

Today, as usual, Ge Erping took out his mobile phone and opened the Touronghui APP after he turned on his computer and started working.

The banner advertisement on the homepage is different from yesterday. Is there a new platform launched?

Ge Erping hurriedly clicked on the advertisement to see the content:
"Yimin Wealth was launched grandly, and the founder who was born in Ahli shouted out the slogan to subvert Yu'ebao.

Join hands with Touronghui to launch an activity, invest 100 yuan monthly bid, reward investors 30 yuan, and inviters 10 yuan.

In addition, Yimin Wealth also presents 888 yuan cash coupons to each new user. "

Ge Erping is very happy, it still has the original taste and the familiar formula.It's sending money again, what the hell is this 888 yuan cash coupon?
With doubts, Ge Erping clicked on the advertisement jump link to register Yimin Wealth, and then downloaded the APP.

Log in to the APP, recharge 100 yuan, and get a reward of 30 yuan after completing the January investment.

Then he began to check the 888 yuan cash coupon of Yimin Wealth APP.

There are three cash coupons, 80+258+550 totaling 888 yuan, which require an investment of 1000 yuan, 3000 yuan, and 1 yuan to activate.

The cash coupon is only valid for 7 days, and it will expire if it is not used after 7 days.

Ge Erping was a little entangled, and finally gritted his teeth and voted for a monthly bid of 1000 yuan. The 80 yuan cash coupon in the account was unfrozen and turned into a balance.

Click on the cash withdrawal, and the bank card received a text message of 80 yuan in a few seconds.

Ge Erping was a little moved, and looked at the other two cash coupons, hesitating for a long time.Thinking that the more than a dozen platforms recommended by Touronghui before investing have all been successfully withdrawn to the account, so there should be no problem.

In the end, I was heartbroken and recharged another 13000 yuan, investing a sum of 3000 yuan and a sum of 10000 yuan. The cash coupons of 258 yuan and 550 yuan were automatically unfrozen and became the balance.

Click to withdraw cash, and 808 yuan will be credited to the account smoothly.

Looking at the 14100 yuan invested in the account, Ge Erping did some calculations. The income is about 888 yuan + 30 yuan for investment, financing and exchange rewards, and there will be interest when the investment matures.

利率是10%，投资一个月的利息收益就是14100×10%÷12个月，等于117.5元。

The final total income is 1035.5 yuan, the monthly return rate is 7.34%, and the annual return rate is 88%.

It's a good deal!
365 Accounting Manager has launched an investment accounting book, hurry to record a sum, and remember to withdraw cash in a month.

Originally, the activity launched by Yimin Wealth only invested 100 yuan and rewarded 30 yuan.

The 888 yuan cash coupon was temporarily added by Zhang Yida. The purpose is very simple, that is to quickly increase the investment amount and improve the platform data.

Next, I am going to get in touch with venture capital, this money can't afford it!
He asked him to take out the 100 million working capital prepared by the company to make 888 yuan cash coupons for users to withdraw cash in the early stage.

Now Yimin Investment can be regarded as an empty shell. Without financing, Zhang Yida has to borrow money to pay his salary.

The effect of burning money is really good, reaching 10 registered users in 10 days.

Among them, 9 is the traffic from Ruixiang’s technology cooperation, and the other 1 is the natural traffic from various free promotions on the platform.

The total number of investment users is 9.1, 9 are paid for promotion, and 1 are natural users.

其中投资100元的占据了主流，达到了80%；投资1000元的有10%，投资4000元的有7%，投资14000元以上的只有3%。

Finally, the total transaction volume reached 8998 million.

The price is that the promotion fee of 360 million yuan was burned, and 888 million yuan of 530.5 yuan cash coupons were awarded.

The company's spare 100 million working capital was burned out, and 430.5 million invested by investors was also embezzled.

So now the company not only has no working capital, but also has a hole of more than 400 million yuan waiting for Zhang Yida to make up.

Zhang Yida pulled out the operating data from the background, made a plan, and made an appointment with Shen Beipeng and Xu Xiaoming.

In a private club, Zhang Yida took out the financing plan and said mysteriously:

"Teachers, I have started another company, and I am here to ask the two Gods of Wealth for alms."

Xu Xiaoming was so surprised that he made trouble again!What a toss!Picked up the financing plan and looked at it.

Shen Beipeng was not so easy to talk, he picked up the financing plan and put it aside, and said in a serious tone:
"Mr. Zhang Yida, you should know that we have an agreement.

How long has Ruixiang been financing now?Before the second tranche of financing is in place, you are in a hurry to start a business again.

I'm not saying serial entrepreneurs are bad, the key is that a person's energy is limited.You can't do two things well while being distracted from two.

If you insist on going your own way, we black shirts are considering whether to trigger the backup clause in the financing agreement and suspend the issuance of the second financing. "

Seeing Shen Beipeng so angry, Zhang Yida comforted him:
"Mr. Shen, listen to me first.

I also found two co-founders for this second company, and they are usually in charge of the company's business.

I am mainly responsible for financing and acting as a consultant, and usually focus on Ruixiang Technology.On the other hand, the company can still operate without me.

The most urgent thing for me now is to bring Ruixiang Technology to the market as soon as possible, so as to bring you two teachers a rich return on investment.

Today I also brought the latest operating report of Ruixiang Technology, you can take a look first.

The number of users of Touronghui exceeded 1500 million, the number of users of 365 Bookkeeping Butler exceeded 1000 million, and the number of users of Kawang Credit Card Butler also reached 800 million.

In addition, the recent development of the loan supermarket is also very gratifying. It has matched a loan transaction volume of 3 million yuan within half a month of its launch, creating an operating income of 300 million yuan. "

Hearing this, Shen Beipeng was a little moved, and Ruixiang's technology development was too fast.The number of users is increasing by several million every month, and the loan supermarket section has also been opened. After the revenue is stable, it is estimated that it will be several hundred million per year.

The development momentum is very gratifying!

Shen Beipeng's face finally turned from cloudy to sunny, and he smiled and said:

"Since you young people are full of energy, then go toss it!

The premise is that it is necessary to ensure the steady growth of Ruixiang's business here. "

For Shen Beipeng's performance, Zhang Yida was not surprised. Venture capital is like this. After all, real money has been paid out, so it is normal to have some concerns.

Shen Beipeng picked up the financing plan book and read it carefully. When he saw the series of numbers "Yimin Wealth has been online for 10 days, the cumulative registered users are 10, the cumulative investment users are 9.1, and the cumulative turnover is 8998 million", his eyelids twitched.

After counting carefully again, after confirming that there were not many zeros, he took a deep look at Zhang Yida and thought to himself what kind of evil is this!Is it that easy to start a business in his hands?
After Shen Beipeng and Xu Xiaoming read the plan, it was already half an hour later.

In the middle, Zhang Yida didn't say a word, just drank his coffee silently, with a calm demeanor and full of confidence.

Xu Xiaoming was the first to speak:

"Yida! You must be sure that the operating data of Yimin Wealth is true. There is no moisture. You can't fool the teacher!"

Hearing his question, Zhang Yida knew there was something going on and was already tempted.So sincerely said:

"Mr. Xiao Ming, this data is absolutely true. If you want to see it, I can take you to the company to adjust the background data later. Now you can make a few random calls to ask customers."

Xu Xiaoming nodded, stopped talking, and looked at Shen Beipeng.

Shen Beipeng first contemplated his words, and then said:

“Hei Shirt has participated in the P2P industry, and last year invested in the A round of Paipaidai’s US$2500 million.

In addition, recently, Renrenyoudai only completed a US$1.3 million A round a while ago. Lixin.com also received a US$1000 million A round from Softbank China in a month. Yiyindai also received a B round from IDG and Morgan Stanley in 2011. $3000 million...

Therefore, at this stage, Yimin Wealth has just entered the game and lagged behind at the start. I am not very optimistic.

This is a money-burning industry, one step behind, step by step behind. "

Zhang Yida shook his head, knowing that Shen Beipeng was suppressing first and then rising, and wanted to lower the valuation.said firmly:

"They started earlier, but this is a trillion-level market that can accommodate enough competitors, and no one can fully occupy the market.

A winner-takes-all approach doesn’t work in this business.

The way to resist risks in financial investment is to diversify investment. An investor will not put all his money into one platform.

This industry will only form a pattern of more than ten top platforms, plus dozens or hundreds of medium-sized platforms.

Yimin Wealth is confident to be one of the top ten platforms, and even become one of the best. "

Shen Beipeng was very interested in this point of view, and motioned Zhang Yida to continue.

Zhang Yida organized the language and continued to preach:
"If you want to become a top platform, you must burn money.

Why do I dare to say that Yimin Wealth can become the best among the top platforms?

Because of me, I am in control.How did Ruixiang Technology start?The two should be very clear.

Burning money in Internet finance is a craft!

I can make the fire bigger while saving more firewood than others.

In other words, I can control lower costs and make higher efficiency.

If other companies make tens of billions of transactions, they may need to lose 5 million. I am confident that 3 million will be achieved.

It may take 3-5 years for other companies to achieve a transaction volume of tens of billions, but I am confident that it will be achieved within 2 years. "

When Shen Beipeng heard Zhang Yida's words, he didn't refute, but began to think seriously.

If Zhang Yida manages this Yimin Wealth with the level of operation of Ruixiang Technology, it is indeed a great advantage over his peers in terms of cost control and efficiency improvement.

Xu Xiaoming looked at Zhang Yida admiringly from the sidelines. When investing, he valued people more and valued the first impression.

Regardless of whether Shen Beipeng voted or not, he was moved by Zhang Yida's words anyway.At least follow up a little bit.

After thinking about it, Shen Beipeng looked at Zhang Yida with piercing eyes and said:

"Since you are so confident, do you dare to add a bet?"

(End of this chapter)