Winning the new financial era

Chapter 82 Little Red Flags Are Planted All Over the Country

It was almost twelve o'clock in the night when Zhang Yida received He Qingxuan's call. At this time, he had just finished his company affairs and returned home.

After listening to He Qingxuan's explanation of the cause of the incident, the process and the emergency situation he is facing now, Zhang Yida understood:
"This is cheated by unscrupulous advertisers. Other industries just cheat advertising fees and put them in the P2P field, which will easily lead to insufficient capital supply and a run on the platform, and finally the platform will be thundered.

There are a group of professional wool parties in the P2P field, who specialize in investing in short-term targets on the platform, and only make initial investment.The purpose is to gather the platform wool and get various rewards.

There is no conversion rate and retention at all. When encountering such customers, the advertising cost is basically in vain. "

The next day.

Zhang Yida, Chen Shaojie, CEO of Yimindai, Zhuang Chuguang, CEO of Yimin Puhui, and other staff members of Yimin Financial Services, including finance and legal affairs, came to Jingrui Group.

He Shenghua and his daughter were already waiting at the entrance of the company. Zhang Yida stepped forward and greeted He Qingxuan with a smile:
"Qingxuan, long time no see!"

Immediately looking at He Shenghua again, He Qingxuan introduced:
"This is my dad!"

Zhang Yida and He Shenghua shook hands and nodded to each other:
"Uncle He, hello, I'm Zhang Yida."

"Mr. Zhang, hello! I'm He Shenghua."

Others, including Chen Shaojie and Zhuang Chuguang, also stepped forward to greet each other.

Yu Moutao didn't feel very good, why did Mr. He go online with Yimin Financial Services again?Why didn't such thick thighs be hugged earlier?
No one answered his question, He Shenghua glanced at him coldly, if it wasn't for the seriousness of the matter today, he would have been punished a long time ago.

A group of people entered the conference room, Zhang Yida spoke first:

"Uncle He, I checked, Jingrui Loan has been cooperating with Yimin and Ruixiang for a long time.

Why don't you find Ruixiang to promote when you go online on the P2P platform? "

He Shenghua was a little embarrassed and didn't know how to speak. He really didn't understand Internet finance!That's why I was deceived and deceived in various ways.

Seeing that He Shenghua was in trouble, Zhang Yida also skipped this topic and said:

"Uncle He, let's talk about your thoughts! Do you want to sell 2 million mortgage claims, or the entire group?"

He Shenghua heard that if he had a choice, he would still want to keep the company and only sell the debt. The key depends on whether the transaction price can make up for the 2 million hole.

Looking at Zhang Yida, he said:

"Mr. Zhang, let's talk about your plan first!"

Zhang Yida said calmly:
"Option 2, [-] million mortgage debtors will take over at the original price, but we need to pledge the equity of Jingrui Loan Company to us.

After the creditor's rights expire, less than 5% of the bad debts will be borne by Yimin.The portion exceeding 5% will be compensated by Jingrui.

Option two, 4000 million acquisition of Jingrui Group, Yimin assumes all debts and responsibilities. "

This condition was obtained after discussions between Zhang Yida and Yimin's management team.Originally, the conditions were even more stringent, but Zhang Yida changed them slightly considering the relationship between He Qingxuan and Zhao Erya.

The change is not too big, and Yimin will bear it within 5% of the bad debt, which is not too much trouble.

After hearing this condition, He Shenghua felt that he really found the right person this time.This condition can't be said to be very good, but it is definitely not bad.

Nodding his head, he said, "I'm inclined to plan one."

He Qingxuan poked his father with his hand, and He Shenghua said: "Option [-] is also possible, both options are fine. Mr. Zhang is up to you to decide! I agree with both."

This was also what the two father and daughter discussed last night, and Zhang Yida couldn't be disadvantaged because of some human relations.

Zhang Yida recalled the emergency meeting with Chen Shaojie and Zhuang Chuguang last night. Their suggestion was:

"Yimin Financial Services is about to complete the A round of betting, and will soon start the B round of financing.

Acquiring a 2 million mortgage creditor's rights is dispensable for Yimin, and there are tens of millions of interest in lending money by himself.

If it is the acquisition of Jingrui Loan Company, it will gain a mature mortgage loan team.

With the addition of this mature team, the development of Yimin Puhui will be accelerated.

The current situation of Yimin Financial Services is that Yimin Wealth Management and Yimin Wealth are developing too fast, and the fundraising is too fast, and the asset side cannot keep up with the development of the capital side.

Moreover, the asset quality of housing mortgage loans is higher than that of general credit assets.

After the acquisition and digestion of Jingrui, when the B round of financing is carried out, the loan business scale, business growth rate, and stable asset quality can be used to tell investors a story. "

Thinking of this, Zhang Yida was not pretentious, and said directly:

"Then let's talk about mergers and acquisitions directly!"

A trace of reluctance flashed in He Shenghua's eyes, but he nodded in agreement.

The next thing will be handed over to the legal affairs and financial teams of both parties to do the docking.

Then, He Shenghua hosted a grand banquet for Zhang Yida and his party.

On the table, He Shenghua raised his wine glass, looked at Zhang Yida and sincerely thanked him:

"Mr. Zhang, thank you for taking action this time. It can be said that you have solved a big problem for me."

"Uncle He, you're welcome. The acquisition of Jingrui is beneficial to both our company and you. It's a win-win situation for all parties. Just treat it as a business."

Zhang Yida clinked glasses with He Shenghua and said.

"Having said that, I still have to thank you!" He Shenghua blushed from drinking, and he also took it lightly. This time, he had to thank the young man in front of him for being able to exit the game with dignity.

Seeing that Zhang Yida has taken charge of two large financial groups, Ruixiang and Yimin, at a young age, he can't help feeling that his own era is finally over.

Old and out of date.

With 4000 million and my wife, my daughter will happily spend the rest of her life!
He Qingxuan has never left Zhang Yida with her beautiful eyes on the table. The boy who went to the mountains and rivers in southern Yunnan with him last year has become a business tycoon.

This time, he spent hundreds of millions easily to resolve his father's crisis.

The most rare thing is that the purchase price was lowered without adding insult to injury.

After the father and daughter contacted Zhang Yida last night, He Shenghua expressed his psychological offer: 500 million!
Yes, it is 500 million, which is the same as the price quoted by Liang Weimin.

Anyway, He Shenghua would not sell the company to Liang Weimin even if he was killed.As long as Zhang Yida is willing to take over and give him 500 million pension funds, he will agree to the deal.

He Qingxuan offered Zhang Yida a glass of wine and said softly:
"I don't know how to thank you. I will return your favor slowly in the future!"

Looking at the orchid-like woman in front of him, Zhang Yida smiled and said:

"We are friends! If I encounter difficulties in the future, you can help me too!"

……

"Mr. He, since you know everything, I won't hide it anymore. The buyer I contacted is Liang Weimin's vest.

I admit it this time, I'm sorry for you! "

Yu Moudao said frankly, and bowed to He Shenghua.He was called into the office by He Shenghua 2 minutes ago, and there was a burst of scolding and mocking:

"You are an unfamiliar white-eyed wolf, who gave you the chance to be promoted and raise your salary..."

"You are so stupid to cooperate with that idiot Liang Weimin.

If that idiot doesn't leak the news, it is really possible for you to succeed. "

Yu Moutao didn't refute it either, it's just a winner and a loser.If you choose the wrong partner, you can't blame others.Packed up my things and left.

……

"Holy shit, Yimin Financial Services acquired Jingrui Group for 4000 million yuan. What are you doing, and how did you not know until the transaction was completed?
Yu Mou Tao said?Didn't he swear to me that the deal was okay? "

Liang Weimin was angry at Director Liu at the moment.Director Liu was also very helpless. When he contacted Yu Moudao, he was scolded for leaking the news, which led to the failure of the acquisition.

Although he knew that Young Master Liang was mainly to blame for his lax tone, he didn't dare to blame him!I can only be trained there silently.

Seeing that Young Master Liang had finished his anger, Director Liu tentatively asked:

"Young Master Liang, what should we do next? Should we continue targeting Jingrui Group?"

"What a fart! But you can go and find out the details of this Yimin Jinfu. If you dare to rob me, if you have a chance to make things difficult for them, do it."

Liang Weimin is such a small-minded person, but he is not stupid. He knows that there are hidden dragons and crouching tigers in the capital, so he should check first before taking action.

……

After Zhang Yida completed the acquisition of Jingrui Group, he split the entire group into several parts:

The loan store of Jingrui Loan Company was merged into Yimin Puhui, becoming the second branch center in Beijing.

In addition, some elite soldiers from Jingrui Loan will be dispatched to various places in North China to prepare for nationwide business expansion.

Jingrui Wealth Management changed its name to Ruimin Wealth Management and developed in a differentiated manner with Yimin Wealth Management.

Yimin Wealth Management focuses on low interest rates and long bids; Ruimin Wealth Management focuses on high interest rates and short bids.

Such a dual-platform strategy can cover users with different investment needs and risk preferences to the greatest extent.

While retaining the original employees of Ruimin Wealth Management, it introduced the assessment standards of Yimin Financial Services, and if they fail to pass, they will be persuaded to leave.

At the same time, Yimin Wealth Management deployed an elite technical team and operation team to carry out a comprehensive transformation of the Ruimin Wealth Management platform.

After Jingrui Wealth Management (Ruimin Wealth Management)'s original 3.6 million creditor's rights were taken over by Yimin Financial Services, all the creditor's rights were placed on Yimin Wealth Management and made into investment targets, and individual users of Yimin Wealth Management took over this part of the creditor's rights.

And after Ruimin Financial Management gets rid of this historical burden, it can go into battle with ease.

First of all, the advertisements are connected to Ruixiang’s wealth management supermarket, and Ruixiang conducts massive customer diversion.

Secondly, all investment targets are made into short-term products of 1-6 months.Miaofenqi and Lefenqi are the asset suppliers.

Every time the two installment payment e-commerce platforms, Miao and Lefenqi, receive a payment for installment purchases, Ruimin Wealth Management publishes it on the platform and makes it into an investment product.

All claims are matched one by one, and there is no maturity mismatch and fund pool.

Zhang Yida dare not be careless on this point, He Shenghua is a lesson from the past.

Now he would rather be a little more trouble and earn less money, and not issue bids indiscriminately.

Rubbing his swollen temples, Zhang Yida felt tired for a while.

He was in charge of splitting up the Jingrui Group, and it took more than half a month to get it done.

But hard work will pay off. Zhang Yida looked at the national map hanging on the wall and smiled with satisfaction.

Several provinces and cities in North China on the map have already planted small red flags, which means that loan stores have been established locally.

"When will it open all over the country?"

Zhang Yida sighed with emotion.

(End of this chapter)