Winning the new financial era

Chapter 87
After planning the bike-sharing plan, Zhang Yida began to raise funds.

Dogford drew 2 million from the profits of the past two months, and dared not draw too much, for fear of affecting the normal operation of the company.

After all, this is Zhang Yida's cash cow, which still earns more than 2000 million yuan a year, so it can't be killed by too much bloodletting at one time.

In addition, they approached Yimin Financial Service Group and Ruixiang Jinke Group to advance their salary for the next year. The total amount is only 500 million, which is not a large amount. Zhang Yida is also the absolute controlling shareholder and the chairman.

So it was easy to get the advance payment, and the finance was transferred to the Zhang Yida card, with a total of 500 million yuan after tax.

In addition, the total evaluation of the house and car is 714 million, and the loan is 7% for a total of 500 million.The money was loaned by the company and then lent to Zhang Yida.

Zhang Yida has 250 million of his own funds, invested 100 million in Daiwei, and reserved 50 for living expenses, and can take out 100 million.

The start-up capital of the shared bicycle project, which adds up to 1600 million yuan, is enough.

With the money, Zhang Yida registered a company called "Jingcheng Huimin Technology Co., Ltd."

In the future, Huimin Technology will be the main body of the shared bicycle operation, and the name of the bicycle will also be called "Huimin Bicycle".

Then Zhang Yida mobilized all his connections and began to recruit hardware engineers for bicycles and smart car locks, and soon built a research and development team of more than 20 people.

Rented an abandoned factory workshop in the suburbs, bought a bunch of bicycle assembly parts, and the hardware team began to develop the first generation of shared bicycles.

……

Huayi Capital Office.

Lei Dongming told Zhang Yida about the recent development of Huayi Capital.

"After nearly half a year of fundraising, the first phase of Huayi Capital's fund of US$2.5 million has finally been raised." Lei Dongming looked happy. During this period of time, it can be said that he has run away and exhausted all means to raise funds.

"Oh, that's a good thing! It's worth celebrating." Zhang Yida was also very happy.Said with emotion:

"Toutiao, Didi, the investment funds of the three Meituan companies have finally been raised!"

"Of the 2.5 million US dollars, Toutiao invested 1 million, Didi spent another 9750 million, and Meituan spent 5000 million. Only 250 million US dollars are left."

Lei Dongming sighed again, 99% of the first phase of funds that had been raised with great difficulty had been spent, and 1% was left.

"U.S. $250 million is enough to invest in another project. I have a project here, are you interested?"

Zhang Yida said with a smile.

"What project? Let's hear it." Lei Dongming frowned, and leaned in front of Zhang Yida, as if he was listening attentively.

"Bike sharing!"

Zhang Yida decided to get another round of financing from Huayi Capital, so that the fat and water would not flow to outsiders.

"Is it the kind of public bicycle? It is placed in a public area for citizens to rent and ride?"

When Lei Dongming heard the word "sharing", he thought of the public.

"Yes, the public bicycles used to be municipal projects. The government led the operation.

Our shared bicycles are put into operation by the company. "

Zhang Yida nodded. Public bicycles first appeared in the Netherlands. Before the opening of the 07 Olympic Games, the Beijing Municipal Government put 5 public bicycles in the city for the convenience of citizens and tourists.

"This project is not easy to make a profit! Beijing, Lin'an and many other provincial capitals had public bicycles a few years ago, but they haven't seen much in the past two years."

Lei Dongming is not very optimistic about this project, and the municipal engineering can't go on, let alone a private company.The project must have suffered huge losses, and major cities cannot continue to develop it.

"It is still possible to make a profit. Both Ruixiang and Yimin can place advertisements on bicycles. In addition, bicycle rental and riding can also be charged.

Most importantly, I plan to launch a bicycle rental app.In the future, there will be [-]-[-] million users of the bicycle APP, which will become a huge traffic entrance. "

Zhang Yida said seriously that since he decided to do bike sharing, he must make it a national-level application.

"Two or three hundred million users? Return the traffic portal? Still need to place advertisements?"

Lei Dongming is also in a daze for three consecutive times. There will be so many users?
And asked again:

"Two to three billion users, you have to do business all over the country? How many bicycles do you need?"

"With an urban population of 5 million, if there are 50 people per car, 1000 million cars need to be put in."

Zhang Yida thinks that 1000 million bikes in the city is definitely enough. The combined bike sharing of major brands in later generations has exceeded this number. The excess quantity has resulted in a lot of waste of resources.

"Ten million... bicycles?"

Lei Dongming stuttered a little, and the shocks Zhang Yida gave him became bigger and bigger.

"Yes, 1000 million vehicles almost cover all major cities in the country. I expect at least 500 million vehicles in actual production. Because after other competitors enter the market, they will definitely release bicycles like crazy.

We are the first to complete the launch of 500 million bicycles, and it is expected that the victory will be established. "

Zhang Yida roughly estimated the market development in his mind.

Here's what he envisioned:

"Use Huayi Capital to invest 250 million US dollars in its own angel round, and after a few months to wait for the development and production to be completed, it will directly launch 1 bicycles at a time.

After one or two months of operation, it is running well.Directly start the A round of financing, and then launch 10 bicycles to occupy the market in first-tier cities.

At this time, there will be followers, and there may be hundreds or thousands of bicycles put on the market in the early stage.

Relying on its market share and first-mover advantage, Huimin Bicycle launched the third round of financing, and then launched hundreds of thousands of bicycles to the market.

At this time, competitors may launch tens of thousands of vehicles, but their market share and quantity still lag behind Huimin Bicycle.

Huimin Bicycle should take advantage of its first-mover advantage and financing rhythm, and use its far-leading market share to quickly defeat its competitors, forming a Matthew effect.

When the number of Huimin bicycles launched reaches 500 million, other competitors are still in the order of hundreds of thousands, and the balance of victory and defeat is basically tilted towards Huimin bicycles. "

"A bicycle costs 200 yuan, 1000 million is 20 billion yuan!"

Lei Dongming began to calculate, muttering.

"The 200 yuan you mentioned is an ordinary bicycle, and our bicycle needs to be equipped with a smart lock. The body must also improve the manufacturing process from the direction of sturdiness and durability.

At least 1000 yuan a car. "

Zhang Yida corrected Lei Dongming that he would not build low-cost but high-damage bicycles like the fof in his previous life. Only good quality bicycles will make users prefer them.

“好，以1000元成本计算的话，1000万辆单车就是100亿元。就算是500万辆也要50亿元。

Then it is impossible for the bicycle not to be damaged, right?If it is damaged, it needs to be repaired and replaced, which is another cost.

Then it is impossible for these 500 million bicycles to travel to various cities with long legs, right?This requires shipping costs.

Then each city has to have operating personnel, and the scheduling cost is another sum.

If the delivery of several million bicycles is achieved, it is estimated that there will be thousands of employees at the headquarters.This year at least hundreds of millions of labor costs.

I figured out that to achieve the situation you mentioned in operating 500 million shared bicycles nationwide at the same time, at least 100 billion will be invested. "

Lei Dongming felt that Zhang Yida was usually very shrewd, so why did he think about doing this project?I don't understand.

"Are you finished? Let me explain this to you slowly!" Zhang Yida knew that Lei Dongming had never witnessed the grand occasion of shared bicycles in later generations. From the current point of view, it is indeed a bottomless pit.

"Wait, there is still a problem. How to make a profit? It's not impossible to invest 100 billion yuan if it can be profitable in the future. It's just that I don't see any profit prospects."

Lei Dongming spoke so dryly that he just took a sip of water and added a few words to Zhang Yida. He really couldn't bear to see Zhang Yida jump into the pit.

"Cost and profit, two questions, right!"

Zhang Yida looked at Lei Dongming with a smile, ready to start teaching him.

"Yes, you convince me first. If you convince me, I'll give you $250 million."

Lei Dongming shook his head while talking, thinking that this shared bicycle is not a good project.It sounds like a bottomless pit.

Zhang Yida said:

"Then let's talk about the cost first!

The tens of billions of cost you mentioned is true, and you have calculated this account very accurately. You are indeed a veteran financial driver!

Bicycle depreciation is amortized by 2 years, which is a cost of 50 billion a year. "

Lei Dongming nodded. There is absolutely nothing wrong with this algorithm, and the cost of 50 billion is only a lot more.

"Okay, then let's make a profit." Zhang Yida continued with a smile and a calm expression:

“Let’s talk about bicycle riding charges first.

A bicycle is ridden three times a day, with a fee of one yuan each time, and 500 million bicycles are worth 54.75 billion a year.

Let's talk about the deposit.

The deposit for each user is 299 yuan. We assume that a bicycle corresponds to 10 users, that is 5000 million users × 299 yuan, which is equal to 149.5 billion.

We do not touch user deposits, but we can cooperate with Ruimin Financial Management to launch a deposit financial product.

The 149.5 billion loan interest is calculated at an annualized rate of 24%, and the income is 35.88 billion.

Interest is calculated at a rate of 12% for users, and the investment income is still 17.94 billion.Huimin Bicycle and Ruimin Wealth Management each have half, and Huimin Bicycle can earn 8.97 million yuan in revenue.

There are also advertisements. If Huimin Bike has tens of millions of users, the value of advertisements will be great.

Body advertisements, APP boot page advertisements, APP built-in advertisements, APP diversion entrance advertisements...

We will add the wealth management supermarket and loan supermarket to it later, and the annual advertising revenue will definitely not be lower than the current sharp direction.Even if it is 10 billion.

Riding fees + deposit wealth management products + advertising, a total of 73.72 billion.

Compared with the annual cost of 50 billion, do you think it can be profitable? "

Zhang Yida spread his hands and looked at Lei Dongming with a pensive expression.I can't stop laughing in my heart, are you about to be limped by my brother?

"What you said makes sense! But I always feel that this matter is not so simple? Is there something I have overlooked?"

Lei Dongming thinks this is feasible in theory, but the actual operation may not be so simple!

"Actually, I'm thinking less. The riding data of shared bicycles and user information are the most invaluable.

With this information, we can accurately place advertisements and increase the value of advertisements; we can also cooperate with Mung Bean Credit to jointly build user big data.

In the future, mung bean credit will make money, and part of it will be given to shared bicycles! "

In Zhang Yida's mind, shared bicycles can also form an industrial interaction with several current companies.This is what Zhang Yida values ​​most.

As for making money?Zhang Yida didn't know what to do.If it can break even in the future, it will be Amitabha!

(End of this chapter)