Winning the new financial era

Chapter 74 Preparations before the war
On this day in mid-May, Zhang Yida had just finished work, leaned on the leather seat, turned on the massage button, and prepared to relax for himself.

Great health care does not mean great health care. Only by buying a massage chair can we maintain high-intensity work.

I took out my phone and checked the news, and saw a hot topic.

"Jumei successfully registered on the New York Stock Exchange, 31-year-old Chen Oucheng became the youngest CEO in the history of the New York Stock Exchange in 220 years"

"In three years, the beauty vertical e-commerce company Jumei has achieved a monthly sales breakthrough of 10 to 6 million"

"Worth over 80 billion, Chen Ou's worth surpasses green longan rich second generation Yang Huihui, becoming the richest post-[-]s"

"Jumei's stock price rose by nearly 10% on the first day of listing, and its market value reached 40 billion US dollars"

Zhang Yida opened WeChat, and the group was very lively.Chen Ou posted a picture of ringing the bell at the New York Stock Exchange to the group, and everyone was sending messages to congratulate him.

Looking at the high-spirited Chen Ou in the photo, Zhang Yida was a little envious, but he was not jealous. He didn't think Ruixiang and Yimin's future could not compare with Jumei.

After dialing Chen Ou's phone number, Zhang Yida congratulated with a smile:
"Brother Ou, congratulations on Jumei's listing! Ten billionaire, the youngest CEO in the 220-year history of the New York Stock Exchange, I am very envious! With you as our goal, we will work harder."

"Haha, thank you Yida. I just finished the bell-ringing ceremony here, and there is a press conference soon. I won't talk to you any more. I will treat you to dinner when I return home. Be sure to appreciate it!"

Chen Ou's life is now the highlight moment, and Zhang Yida can feel his joy through his mobile phone.

"Okay, then I'm going to eat the big family!" Zhang Yida also responded directly, thought about it, and reminded:

"Brother Ou, I saw some unfavorable news about Jumei on the Internet! You have just gone public, so you have to pay attention to public opinion! Otherwise, it will be very troublesome to reflect the situation on the stock price."

"Well, what you are talking about is the fake product scandal! It's okay, it's just that some media are jealous of Jumei's listing and want to blackmail some money. I have already asked the public relations department to solve this. It's not a big problem, but thank you Yida for your reminder gone."

For Zhang Yida's expression of concern for him, Chen Ou still appreciates it.

Zhang Yida didn't say much, it was enough to say something once.

The year 2014, the year of listing, was the last glory of Jumei. In the future, it will go downhill step by step, and the stock price has fallen by more than 90% from the peak.

That wasn't cut in the waist, it cut off the ankle directly.

Later, Chen Ou also gradually disappeared from the spotlight, and it was not until that time that he bet on sharing a power bank with the son of the richest man that he returned to the mainstream.

……

"Ari made a move, and it was a two-line attack. Online, they connected with Meituan, Didi and other consumer service companies, and cut into the online consumption scene;

Offline, they announced a huge subsidy of 50 billion yuan to expand merchants. "

As the president, Lin Zhenyang is reporting to the chairman and CEO Zhang Yida.

Zhang Yida sneered twice, Jack Ma's shot was really extraordinary.made a comment:

“We also do both.

First, contact Didi and Meituan, and other companies with payment scenarios.

Starting from the fee rate, Ali's rate is [-]/[-], and we are [-]/[-].

We have lower rates, and we must make partner companies more willing to promote our Mobao payment.

The market of companies such as Meituan and Didi has hundreds of millions of users.And it can enrich our usage scenarios and increase the stickiness of Mobao Pay users.

Second, continue to carry out our ground push plan.

The core expenditure of local promotion lies in the salaries of local promotion personnel, user subsidies, and merchant subsidies.

We can’t afford less user subsidies and merchant subsidies than Ahri, but we have an advantage in the salary of local promoters.

Le Fenqi and Miao Fenqi are promoting nationwide colleges and universities, and we will join forces with them to form a colleges and universities promotion alliance.

Through this alliance, a group of college students who can speak well and are willing to work hard to make money will be selected.Let these college students do the ground pushing work for us.

The labor cost of college students is definitely lower than that of social people, and this can save us a lot of cost.

Another one, we can follow the Le Fen and Miao Fen phases to receive the fruits of victory.

The campus market is developed by them, and students are selected and trained by them.

The campus agents of the two companies in the school are still very good. I have seen that the sales performance of the two companies in recent months can be said to have grown by leaps and bounds, all thanks to the help of these student agents. "

Lin Zhenyang's eyes lit up a little, this is a good idea!
The two to three thousand colleges and universities in the country basically cover every prefecture-level city in the country. Accepting this group of student agents is equivalent to completing the layout of the national territory.

The two acted in two ways. Lin Zhenyang was in charge of contacting online consumer scene companies such as Meituan and Didi, and Zhang Yida was in charge of offline promotion.

Zhang Yida called Lu Min, and joked after connecting:
"Boss Lu, Qudian has been developing very well recently!"

"Where is it, Mr. Zhang, you are kidding me again.

It has been more than two months since the development of Miaofen, and now the colleges and universities in the capital are also fully covered.

Next, we will radiate to surrounding provinces and cities, but the 800 million you gave last time to support product development and market promotion in the capital has almost been exhausted.

If we want to expand the market size, we must start the A round of financing. "

Lu Min is also a good person, and seized the opportunity to complain to Zhang Yida.I want Zhang Yida to take the lead and contribute money and efforts.

"Okay, it's all trivial. I'll ask the strategic investment department to come to your company later, and they will talk to you about this in detail."

Zhang Yida paused, then said with a smile:
"I have a new project here, are you interested in participating in Nan?"

"What new project? Mr. Zhang, just tell me, if you can use it, I, Lu Min, just let me know."

Lu Min's chest was also pounding, Zhang Yida's new project, so he had to join.

Not only because Ruixiang is the shareholder of Miaofen, Yimin is the fund provider of Miaofen, but more importantly, it is Zhang Yida.

It's like turning a stone into gold!He also knew that Huayi Capital was also founded by Zhang Yida.All three companies are well-known in the industry.

Now that Zhang Yida has a new project, why hesitate?Get in the car now!
Zhang Yida went straight to the point and said:

"Ruixiang wants to promote mobile payment, and is preparing to launch a college promotion alliance project with Miaofen in stages."

"Oh, push the alliance! What do you need to do in installments?" Lu Min was a little puzzled, and didn't quite understand.

Zhang Yida went on to say:

"Ruixiang pays for projects, and Miao pays people in installments.

We took out activity funds and mobile payment promotion projects here, and Miao Fenqi was responsible for helping us select campus agents.

It is almost the same as your criteria for selecting campus agents. Those who can speak well and are eager to make money will do.

I was thinking, how to make this activity a little taller.It is best to unite with various colleges and universities to obtain their support.

Let some students from poor families be able to work-study through this opportunity; let some hard-working students get social practice through this opportunity. "

"It's no problem! Mr. Zhang, don't worry, I'll take care of this matter." Lu Min felt that this matter was not difficult, so he just asked the staff below to recruit more people when recruiting campus agents.

Zhang Yida recalled that the reputation of campus loans in later generations was really bad, and he said:

"Your Miaofen installment loan interest rate should be set a little lower, and it must not exceed the red line of 36% annualized.

Although the regulatory authorities have not explicitly prohibited lending to students and the red line of lending interest rates, I estimate that sooner or later this will be included in the supervision.

Make plans early! "

Lu Min felt that Zhang Yida was a bit alarmist, so he laughed dryly: "It's not that serious! Before, students could get credit cards. Let's just keep a low profile. And I don't call it a loan, it's called a shopping installment."

Zhang Yida didn't want to talk about it with him, so he continued:

"Let's not talk about this, anyway, you must be careful!

Campus loans must have a bad reputation, so we set up this local push alliance to whitewash your reputation.

Moreover, we cannot make money from this local push alliance, it has to be a public welfare one. "

"Okay, public welfare is also very good. Mr. Zhang, just do it according to your idea, and I will support you!"

Lu Min is also a shrewd person, knowing that this project does not have much lucrative value, Miao Fenqi's participation will indeed help to improve Miao Fenqi's reputation, and at the same time, it will also bring Zhang Yida closer.

Then Zhang Yida called Xiao Weijie again, made a haha ​​and said:

"Mr. Xiao, there is a good project, do you want to work on it together?"

"Uh, Mr. Zhang, what project is it?"

Compared to Lu Min, Xiao Weijie, who was born as a programmer, is a little more dull.

Zhang Yida told Xiao Weijie what he had said to Lu Min.

Xiao Weijie readily agreed and said:

"Mr. Zhang, your idea is very good, and I support it very much!
Although we can't afford the money in installments at this stage, there is absolutely no problem in contributing. "

"Okay, I have two options.

Option [-], we cooperate with Miaofenqi in the northern region, and cooperate with you Lefenqi in the southern region.

Option two, the three parties cooperate with each other in the national market. "

Zhang Yida raised another question that caused Xiao Weijie a headache.

Why do you have a headache?Lefenqi and Miaofenqi are colleagues and competitors.

Xiao Weijie was very unhappy when he knew that Ruixiang had invested in another company, Miaofen.

Later, after Yimin provided another 5 million cooperation funds, the relationship was restored.

After thinking about it, Xiao Weijie sighed and said:

"Let's cooperate with the three parties! Do the whole country!"

In the end, Xiao Weijie's rationality overcame his sensibility, and the tripartite cooperation in the national market will definitely bring him a better reputation than that in the southern market.

And now that there are more and more campus installment platforms, with more competitors, his hostility towards Miao Fenqi is not so strong.

After all, the national market is so big, and it’s not just your family.

"That's fine, this time the three of us will cooperate together. Through this opportunity, the two of you can also suppress other competitors to me.

While focusing on commercial interests, we must also cherish feathers.

By doing public welfare, to wash away and dilute your original sin! "

What Zhang Yida said was very explicit, but Xiao Weijie didn't refute it, instead he thought it made sense.

Zhang Yida also heaved a sigh of relief after finalizing the cooperation intention with Le Fenqi and Miao Fenqi.

Why make it public welfare?Ruixiang wanted to save costs, and asked the two of them to work for Ruixiang.

This is also something that can’t be helped. The mobile payment battle with Leech Financial Services and Penguin is a protracted war of attrition. If you win a bullet, you have a better chance of winning!
(End of this chapter)