Winning the new financial era

Chapter 71

The program of the cultural performance is still very exciting, there are dramas, poetry recitations, songs and dance performances.

They are all programs carefully rehearsed by students in their spare time, and they still look very pleasing to the eye.

Zhao Erya has more literary talents, and she also sang a song on stage in a dress, which won applause from all the halls.

Zhang Yida also applauded, looked at Zhao Erya who was shining on the stage, and waved at her, I don't know if she saw it or not.

After the party, Zhang Yida made an appointment with a group of alumni. At that time, everyone will get together and discuss in detail the formulation of specific rules and regulations of the association and other related matters.

Zhang Yida came outside the dressing room at the backstage of the party and sent Zhao Erya a WeChat message:

"Are you done? I'll wait for you outside the dressing room."

"Wait a little longer, I haven't removed my makeup yet!" Zhao Erya replied.

"If you're hungry, go eat first! Don't wait for me." A minute later, he sent another WeChat message.

"I'm not hungry, I'll wait for you." Zhang Yida typed a reply.

Zhang Yida stood at the door of the dressing room and waited and waited, but Zhao Erya never came out.On the contrary, the students who passed by were wave after wave.

After changing their costumes and removing their make-up, many students came out and saw Zhang Yida here, and even said hello to him.

Most of the people who greeted him were girls, and Zhang Yida didn't know any of them, but he smiled politely and replied a few words.

A few extroverted girls also offered to add him on WeChat, but Zhang Yida couldn't put on airs, so he had no choice but to agree.

When Zhao Erya came out, she happened to see this scene.The girls still planned to chat with Zhang Yida for a few more words, and they were familiar with each other, so they had no choice but to leave now.

"Who are they?" Zhao Erya came over and pinched Zhang Yida's waist and said.

"She, they! I, I don't know each other either!" Zhang Yida stammered bitterly.

Zhao Erya didn't quite believe it, and her questioning eyes kept patrolling Zhang Yida.

"I really don't know! I'll wait for you here, and then they will come to say hello to me.

I can't put on an air of condescension, can I?I had no choice but to talk to them perfunctorily. "

Zhang Yida was very helpless, his sister wanted to attack me, what could I do?
"Can't you just put on a dead face? Just pretend to be cold." Zhao Erya said while walking with her arms around Zhang Yida.

"I'm still studying in school. It's not good to be too cold and too airy. After all, we are all classmates. It's not good for you to act like you don't get close to strangers.

Everyone will only say that you, Zhang Yida, are now a big business, and you pretend to be a B in front of your classmates.It's okay to spread it in schools, but it's not good to spread it in society.

Many investors will think that you are not a good person, and if you get a big deal, you will go up if you have some achievements.

In this way, the human design will be destroyed, and many investment opportunities will be lost. "

Zhang Yida began to enlighten Zhao Erya, making a lot of nonsense.

Zhao Erya felt that what Zhang Yida said made sense, so she stopped embarrassing him.

……

Song Caiwei came to the post of administrative assistant today, wearing a sky blue business attire, black stockings and high heels, she looks very tall.

Zhang Yida sized her up and said:
"You have just joined the company, so if you don't understand the business, please ask the old employees!

Come on!I hope you can achieve better development in Ruixiang! "

Song Caiwei teased the big waves she had just permed, smiled like a flower and said:

"Okay, I will obey President Zhang's decree!"

Zhang Yida looked at the lively and cheerful senior sister in front of him, smiled and said:
"You have entered this state very quickly! The company needs a talent like you.

Work hard, promotion and salary increase are not a dream, and options are not far away. "

Song Caiwei covered her mouth with a light smile and said:

"Is it because the company has become bigger, and the bosses have their own deception skills?"

"I'm really not fooling around, we issue 200 million options every year.

There will be a rank adjustment based on KPI every 3 months. "

Zhang Yida spread his hands and said.

"Okay, okay, boss, I will work hard. I will work hard to create value for the company and complete the KPI." Song Caiwei replied with a smile, following Zhang Yida's words.

After the two continued to chat for a few words, Song Caiwei said goodbye and left.

She went to the assistant's office next to Zhang Yida's office and began to receive pre-job training from another assistant.

The training content is very simple, first learn to organize documents and materials, and start from the simplest work.

Song Caiwei has no complaints, as long as she can get close to Zhang Yida's life and observe him closely, she will be very happy.

……

The first phase of the B round of financing of US$5 million received US$2 million, equivalent to RMB 12.4 billion.

This part of the money allocated 4 million yuan to Guanghua College of Peking University and invested in the Guanghua Smart Financial Center project for the development and experimentation of high-tech.

Originally, Ruixiang had 2.46 million cash reserves, nearly 1 million was spent on investing in Lefenqi and Miaofenqi, and 5000 million was spent on promotion of personal payment.

In addition, Ruixiang Group had a net profit of 14 million yuan in the first quarter of 4.8, which was obtained after deducting various R&D investments, personnel salaries, and sales expenses in the first quarter.

In the last inventory, Ruixiang Group currently has a cash reserve of 14.2 billion yuan.

Zhang Yida decided to start buying, buying, buying, and ordered CFO Lan Lan to start looking for suitable acquisition targets in the market.

4 types of targets, companies that must hold a fund sales license, an insurance agency license, an Internet small loan license, and a public offering fund license.

The first three licenses are relatively cheap, one for 3 million, and two for 2000 million.

Mutual fund licenses are very hard to come by. There are currently 95 licenses in the country, which are basically firmly controlled by banks, insurance companies, and securities companies.

Zhang Yida didn't think about buying one at a time, that's unrealistic.It is not easy to do it with funds, because this kind of transaction requires the approval of the China Banking and Insurance Regulatory Commission.

Ruixiang’s short establishment time is a flaw, and it has not been listed, so it is not a mature company.This is the impression in the eyes of regulators.

Therefore, we can only settle for the next best thing, first take a stake in a public offering fund company, become the second shareholder, and then gradually figure it out.

After telling Lan Lan about the acquisition tasks and requirements, Lan Lan immediately started the relevant investigation and acquisition work.

At the same time, Sharp also held a high-level meeting internally.At the meeting, Zhang Yida announced several new strategies:
"First, create several new business segments such as fund supermarkets, insurance supermarkets, trust supermarkets, bank wealth management supermarkets, etc., and improve the overall financial layout.

Second, benchmark Yu’ebao and start to create a “change jar” monetary fund wealth management project.

Third, after obtaining the Internet micro-credit license, the offline consumption installment project "Touronghui Wallet" and the cash loan project "Touronghui IOU" will be launched.

According to the Mung Bean credit score, Touronghui wallet and IOU will first open a certain amount to some people with the best credit evaluation.

Users with Touronghui wallet quota can choose to pay in installments when paying at offline merchants that Mobaopay cooperates with.

The Internet microfinance company under the Ruixiang Group undertakes this part of the consumption installment credit, and the user repays the loan to the microfinance company in installments.

Touronghui IOU means that the user has obtained the quota, and can directly borrow money and withdraw it to his bank card.Borrow and repay at any time, and interest is calculated on a daily basis.Or equal principal and interest, monthly repayment.

Fourth, set up a crowdfunding subsidiary named Diandianchou to create a free serious illness fundraising platform. "

Seeing that everyone was puzzled, Zhang Yida looked at them and said:

"If you have any questions? Just say it."

"Mr. Zhang, I can understand the first three things you said, and they are all about improving our company's financial layout. But what is this crowdfunding for? It's still free. Is it for public welfare?"

Gu Panpan was considered an old man in the company, so he was the first to speak and asked.

"We will definitely do crowdfunding. It's normal for everyone to have misunderstandings. Listen to my analysis first, and then express your opinions."

Zhang Yida scanned the crowd, gestured for everyone to be calm, leaned on the chair with his hands folded and said:

"In my understanding, crowdfunding can be divided into two types, one is commercial crowdfunding, such as equity crowdfunding, which is now on the rise.

One person initiates a project, and everyone joins in to invest.If you make money, everyone shares it, and if you lose money, everyone bears it.

This is actually a bit similar to private equity funds, but private equity funds need 100 million to invest.The threshold is low, and even tens of thousands can vote.

But there are many deficiencies in this thing. The review of projects and the use of funds are seriously lacking in supervision.

I dare to assert that commercial crowdfunding cannot be done in China.

What we want to do is another kind of public welfare crowdfunding.

Yes, we don't make money, we make an Internet donation platform.

Some people are seriously ill, but the family is poor and cannot afford the treatment.what to do?In the past, I was a neighbor in the neighborhood, and relatives and friends donated money to help.

Now is the Internet age, we can move this kind of donation online.

Someone in the family is seriously ill and cannot afford to be treated.Then upload the patient's information and the hospital's certificate to our crowdfunding platform. After strict review by our staff, the background will generate a crowdfunding project for him.

This crowdfunding project cannot be placed on the investment platform, we operate alone.

For example, go to WeChat, QQ and other social software to share and forward.People who see it can donate on the platform.

We don't take any donations, all of them are given to patients and users. "

After a pause, Zhang Yida smiled again and said:

"Everyone is thinking that the project is not profitable, how to maintain long-term operation?
This is simple. In the early stage, we did only do public welfare, without any profit, only investment and loss.

In the later period, user traffic came up, and we sold insurance.

To correctly promote insurance awareness, users have no money to treat illnesses because they have not bought insurance, so they can only initiate crowdfunding donations.

This project relies entirely on selling insurance to generate profits, and only by making profits can the long-term operation of the platform be maintained.

In addition, another advantage is that it actually helped some families in need.It can bring a certain good reputation to our platform! "

Now everyone has no opinion, Zhang Yida has thought out the structure of the platform, and has taken into account both losses and profits.

Then what is there to object to!
The specific promotion depends entirely on social promotion. QQ+WeChat basically covers netizens all over the country.It is the best publicity and promotion channel for crowdfunding platforms.

"Do you think Penguin will agree to our crowdfunding on their platform?" Lin Zhenyang interjected.

"Let them take the shares and play together. This project cannot do without them." Zhang Yida replied without thinking.

This project can't be played without penguins, it is too highly dependent on social and communication software.

Big traffic!Spread the word fast!
(End of this chapter)