Winning the new financial era

Chapter 91 Corporate Social Responsibility
The team of Yimin Financial Services is growing day by day, and the original one-story office building can no longer accommodate it.Now each subsidiary has rented a separate floor of office.

Zhang Yida walked around from Ruimin Financial Management on the 26th floor, Yimin Puhui on the 27th floor, Yimin Loan on the 28th floor, Yimin Financial Management on the 29th floor, to Yimin Wealth on the 30th floor.

Walking into Yimin Financial Services CEO's office, Zhang Yida immediately saw Ding Siyao who was writing and drawing on paper with his head buried.

Ding Siyao looked up and saw that it was Zhang Yida, he was a little surprised, then smiled and said:
"Mr. Zhang, why are you here?"

"I just came here casually. Check out everyone's recent work." Zhang Yida looked at the notebook on the table again, and asked, "What are you writing?"

"I'm writing work notes." Ding Siyao pursed his lips and smiled, and then said:
"Yimin Wealth's business is getting more and more complicated now, and I can hardly handle it if I don't work harder."

"Take your time! Don't worry. Your adaptability is still very strong. Yimin Wealth is the earliest profitable subsidiary of the entire group. You are doing very well."

Zhang Yida praised.

Being praised by Zhang Yida, Ding Siyao was a little happy, and said, "Mr. Zhang, wait a moment, I'll get you a glass of water."

Just as Zhang Yida was about to say no, she turned around and left the office.

Zhang Yida looked around the office. When he saw a bookshelf, he walked over and looked through it. There were some financial and management books.

There are many creases in the book, and there are notes and annotations on some pages. It can be seen that Ding Siyao often flips through these books.

"It's very hardworking and eager to learn." Zhang Yida secretly thought.

After a while, Ding Siyao made a cup of tea and brought it to Zhang Yida's office.

"Do you often read these books?" Zhang Yida asked while holding a book in his hand.

"Well. My experience and knowledge are still too shallow. I often encounter some unsolvable problems. Either ask Mr. Chen or Mr. Fan.

I have asked so many times that I am embarrassed myself.Simply buy some books and learn by yourself. "

Ding Siyao didn't hide anything, and admitted it openly.

Zhang Yida put the books away, looked at Ding Siyao, and asked:
"MBA from Jingda HSBC Business School, are you interested in studying? If you want to go, the company will pay you to sign up."

"Can I?" Ding Siyao looked at Zhang Yida expectantly.

"What's wrong? You are the CEO of Yimin Wealth, and you have the qualifications." Zhang Yida looked at her and said:

"The key is whether you want to go or not?"

"I want to go!" Ding Siyao nodded solemnly.

"Study hard when you go. Earn [-] billion to repay me in the future." Zhang Yida joked.

"Don't worry, Yimin Wealth will definitely earn you 10 billion in the future." Ding Siyao was very confident and promised Zhang Yida directly.

"Oh, so confident?" Zhang Yida reclined on the sofa in Ding Siyao's office, crossed his legs, and seemed to be listening attentively.

Ding Siyao walked slowly to another sofa, flattened her hip skirt and sat down, with her legs closed and her waist straight, reporting to Zhang Yida:
"At present, we have acquired an insurance brokerage license and a fund sales license, and the private equity fund management company is also registered with the China Foundation Association.

In the future, Yimin Wealth will only focus on the fields of wealth management and asset management, and the P2P business has been completely divested to the Key Account Department of Yimin Wealth Management.

In the future, I suggest opening a branch in Hong Kong to deploy global asset management. "

Zhang Yida nodded, it was also his order to spin off the P2P business to Yimin.After the VAM is completed, there is no need for the P2P business of Yimin Wealth.

This is also risk cutting. In the future, the major business sectors will operate independently without interfering with each other and risk will not be passed on.

"Let's talk about your future positioning of benefiting people's wealth!" Zhang Yida wanted to see what skills Ding Siyao had learned after training for so long.

Ding Siyao pondered for a long time, and said: "The reform and opening up has been going on for so long, and the number of people who got rich first is also very large.

In the future, Yimin Wealth will provide all-round services around these people.Including investment immigration, high-end education, high-end insurance, global asset allocation, family office, etc. "

"Your positioning is very precise, and I agree with it. After Yimin Wealth Management enters the capital market next year, the next one will be to promote the capital operation of Yimin Wealth.

What you have to do now is to lay a good foundation and train a good team.Wait for the time to come. "

Zhang Yida has a precise market positioning and cycle considerations for all major industries under his umbrella, and has already planned everything in secret, and now he is just giving her a vaccination first.

……

The Huinongdai platform was formally established, affiliated to Yimin Financial Services, and became a subsidiary.

The positioning of this platform is to take root in the countryside, serve thousands of peasant customers, and drive rural people to become rich.

The initial capital was 1000 million provided by the group, and the board of directors would not agree no matter how much it was, because most people were not very optimistic about this project, and the investment of 1000 million was treated as charity, and it was a loss to make money.

Zhang Yida did not believe in evil, and shouted at the project launch ceremony:

"I am here to set a goal. In a period of three years, Huinongdai's business outlets will cover the whole country, complete a loan amount of 3 billion, and serve 100 borrowers."

The pie is a bit big, and everyone thinks that if Yimin Loan and Yimin Puhui come to shout this slogan, there will be no problem at all.

Shen Beipeng and Xu Xiaoming also attended the project launch ceremony on behalf of the shareholders of the two institutions, happily watching the high-spirited speech on the stage from the audience.

Xu Xiaoming said quietly: "This goal is a bit big! Do you think it can be accomplished?"

Shen Beipeng glanced at him, then turned his attention to Zhang Yida on the stage, and said:

"It's hard to say. He is a person who likes to create miracles!"

Xu Xiaoming nodded in agreement, and said:
"This field is also very popular with the society and the government! Just look at how many reporters and media have come to the hotel today."

A reporter asked: "Mr. Zhang, what kind of considerations drove you to start this Huinongdai?"

Zhang Yida took the microphone and replied on stage: "Because some parts of our country are still poor and backward. To realize the Chinese dream and create a well-off society in an all-round way, there is a long way to go.

As an enterprise with a sense of social responsibility, Yimin Financial Services Group is eager to breathe and share the fate with the country, to revive our great Chinese nation, eliminate poverty and backwardness, and build a well-off society in an all-round way. "

There was thunderous applause from the audience, and this answer was great and upright.

Another reporter asked:

"Mr. Zhang, who are the main targets of your Huinongdai loan? In addition, what is the loan interest rate?"

Zhang Yida smiled and replied:

"As a small and micro financial service organization rooted in rural areas, Huinongdai aims to provide diversified financial services based on microfinance for those low- and middle-income groups in counties who cannot fully enjoy the services of traditional financial institutions. products to help them develop industries, increase income, and realize a better life as soon as possible.

Specific service customers can be simply summarized as farmers, fruit farmers, vegetable farmers...

We promise that the loan interest rate will not exceed 24%. The risk rating of each customer is different, and the interest rate is different. "

Another reporter asked:

"The annualized loan interest rate is as high as 24%, will it increase the burden on farmers?"

Zhang Yida knew that a reporter would ask this question, so he prepared his speech a long time ago, saying:

"First of all, I would like to declare here that Huinongdai is a commercial lending institution, not a public welfare organization.

When a loan is issued, interest will definitely be charged.At present, the source of funds for lending is to cooperate with P2P institutions such as Ruimin Wealth Management and Huimin Wealth Management.

In other words, the money was invested by online lenders.They use part of their spare money for financial management, and they must earn a certain amount of income.We use these funds to lend to farmers in need.

In addition, Huinongdai, as a commercial organization, needs to maintain a certain profit in order to operate in the long run.

In the future, we will gradually reduce capital costs and operating costs, lower interest rates, and provide better and more favorable financial services. "

Everyone in the audience nodded their heads, approving Zhang Yida's philosophy. Loans are not for charity. It would be nice to be able to give farmers a relatively favorable interest rate.

Many reporters asked questions, and Zhang Yida also answered them one by one.He is not showing off, he is sincerely wanting to enter rural finance.It is definitely not profitable in the early stage, but there is still hope for profit in the future.

Major media outlets have also published reports:
"Yimin Financial Service Group enters Sannong loans to help new rural construction"

"Hui Nongdai's Three-Year Ten Billion Loan Plan"

"Promise that the annual interest rate of loans will not exceed 24%, Huinongdai's sense of social responsibility"

……

Zhang Yida ignored the reports because he had already embarked on a journey to Ganzhou Province.

He was accompanied by Zhao Erya and several staff members.

Zhao Erya asked on the plane:
"Is Ganzhou fun? How long shall we stay?"

Zhang Yida is happy, who told you that he is here to play!But thinking of being busy throughout the summer vacation, I invited her to come to Ganzhou together.

Zhang Yida laughed and said:
"When things are done, I will accompany you to play for a few days! We are going to the countryside, so you must be mentally prepared."

Zhao Erya was unhappy, and muttered:

"The countryside is just the countryside. It seems that I can't bear hardships."

"You'll know when you go." Zhang Yida felt that he would be able to give her a big surprise.

The plane landed at Tianshui Maijishan Airport. When Zhang Yida and the others walked out of the airport, they saw a few people in white shirts holding a big sign that read:

"Welcome to Beijing Yimin Financial Services Group!"

Zhang Yida and others walked over and asked:

"Hello, are you a comrade from the Gangu County Poverty Alleviation Office?"

Knowing that Zhang Yida is the chairman of Yimin Financial Services Group, several staff members warmly shook hands with him and invited him to the side of the road to get in the car.

Zhang Yida and his party consisted of 6 people, plus several staff members who came to the airport to greet them, a total of 11 people, they took 3 black Volkswagens together, and drove to the necessary destination.

TS City Valley County.

(End of this chapter)