Winning the new financial era

Chapter 94

The next day.

Zhao Erya was tired all night last night, her whole body hurt, and she didn't want to get up.Zhang Yida and other members of the inspection team first went to worship Jiang Wei's ancestral hall, and then came to the embroidery village.

Every household in this village also does embroidery. Zhang Yida and his team visited several companies and conducted a comprehensive investigation on the quality of embroidery products, sales channels, and production capacity.

The last stop is the Ridge Animal Industry Village.

Ridge beast is a decorative building component, mainly used for roof decoration of temples, made of wood, glass, brick carving, stone carving, ceramics and other types.

The ridge animals in Valley County are still somewhat famous, and they are provincial intangible cultural heritage.

After talking with the villagers, Zhang Yida learned that this set of things is no longer popular today, and it was okay in ancient times. Because of superstition, the ancients at that time would add ridge beasts to the eaves when building various temples.

In today's words, their products will be used in some antique buildings and temples.The main products have been transformed into civil bricks.

I stayed in Valley County for another two days, inspecting the local conditions and customs of the other side.

Today Zhang Yida came to the Office of County Magistrate Wu and made a note to say goodbye to him.

"Why don't you stay for a few more days? Mr. Zhang. Are you in such a hurry to return to the capital?" County Mayor Wu began to ask to stay.

Zhang Yida had no choice but to explain: "Mayor Wu, we have done almost all the inspections in the Valley County. I have several other companies in the capital, and I have a lot of things to do.

Only next time I will continue to bother you. "

Then Zhang Yida handed over another document to County Magistrate Wu, saying:
"This is an industry report compiled and compiled by our company's inspectors.

It mainly focuses on how to expand the scale of production and operation in several industries such as chili, hemp shoes, embroidery, and spine beasts, and how to make product sales go global.

In addition, I hope that government agencies will take the lead in increasing policy support for the above-mentioned industries and guiding the standardized development of the industries.

Let farmers form planting cooperatives and production cooperatives such as handicraft cooperatives.

We use Huinong Loan to provide the funds needed to expand production. Farmers use the funds to purchase some equipment and raw materials for production. Let's work together to boost the economy. "

"Great! Thank you Mr. Zhang for your help and support to our Valley County. On behalf of the 65 fathers and villagers in the county, I would like to thank you." County Mayor Wu held Zhang Yida's hand cordially and expressed his sincere thanks.

"Haha, Magistrate Wu is being polite." Zhang Yida thought for a while, but forgot to mention one more thing.Then he said:

"Next, we will initiate the establishment of Huinong Microfinance Company in Ganzhou Province, and set up a branch in Valley County. I hope County Mayor Wu will take care of us!"

"Haha, if you encounter any problems in Shanshan County in the future, just ask." County Mayor Wu said with a hearty smile.

In this way, Huinongdai and the Valley County Government signed the framework agreement for the first phase of the "Huinong Cooperative Loan".

The agreement stipulates:

In the next year, Huinongdai Company will provide farmers with an initial installment of 5000 million yuan and interest rates ranging from 12% to 24% for farmers in Valley County to expand their production and operation scale.

The Valley County Government is responsible for guiding and cooperating with the employees of Huinongdai Company to complete the review and management work before, during and after the loan.

Why set up a small loan company?
This is also Zhang Yida's consideration of further reducing the cost of funds to reduce the burden on farmers' borrowers.

At present, through 10%-16% of the cost, plus operating costs, Huinongdai may even lose money.

Losing money is not a problem, but losing money is valuable.

Therefore, Zhang Yida decided to adopt the model of microfinance company clusters to operate, and in the future, each province will open a Huinongdai microfinance company.

Microfinance companies cannot accept deposits, and the source of funds is capital contributions from shareholders. No more than two banking financial institutions are allowed to borrow funds from microfinance companies, but the amount of funds does not exceed 50% of the net capital.

On the plane flying to the capital, Zhao Erya leaned on Zhang Yida's shoulder and said softly:
"I've only seen such poor places on TV before, but after I came to these places myself, I realized that it was not an exaggeration at all.

It's already 2014, and there are still places that are so behind, I can't believe it. "

Zhang Yida scratched her nose and said with a smile: "You grew up in the capital, of course you have never seen a poor place. When will I take you to Daliang Mountain in Sichuan and Sichuan? It is even poorer than the valleys." .”

"Ah, is it even more backward than the Valley County? That's unimaginable." Zhao Erya's eyes were wide open, with a look of surprise on her face.

Then he smiled and kissed Zhang Yida: "You are really amazing. If Huinongdai outlets spread all over the country in the future, it will really benefit thousands of households."

Looking up at the clear sky outside the porthole, the white clouds drifting away, Zhang Yida was also in a good mood, and slowly replied:
"There will be such a day. And I predict that within three years, branches will be opened in all provinces across the country, and tens of billions of farmers' entrepreneurial loans will be issued to help [-] poor families live a better life."

……

In the evening, Zhang Yida was dragged by Zhao Erya to her house.Zhang Yida didn't want to go empty-handed, and didn't know what to buy, so he just bought another box of Moutai and brought it to the door.

My father-in-law likes to drink, so you can buy this.

Zhao Wenbin looked at Zhang Yida holding a box of Moutai again, a little dumbfounded, this kid is sincere, and joked:

"Buying so much wine again, are you trying to overwhelm me?"

Cold sweat broke out on Zhang Yida's head. The last time he drank in Zhao Erya, he was overwhelmed by his father-in-law.My own drinking capacity is not enough in front of his old man, so I should keep a low profile.

He smiled and said, "Uncle Zhao, let's drink a bottle this time. Just drink some health wine. Drinking too much will hurt your body."

Zhao Wenbin stopped teasing him, and asked him to go to the study to talk about things.Zhao Erya helped her mother Wang Hongxin and went to the kitchen to cook together.

In the study, Zhao Wenbin gave Zhang Yida a cigarette, smiled and said:

"I heard that Rui raised $5 million in Series B financing from the financial technology group? You are developing very fast. When do you plan to go public?"

Zhang Yida lit his cigarette, took a puff, and said:

"The B round of financing raised 5 million US dollars, but the money has not been spent. It is estimated that the C round of financing will be launched by the end of the year.

It is still early to go public, and it will take at least a few years to stabilize the mobile payment market share. "

Zhao Wenbin nodded, put the cigarette in the ashtray and flicked it, looked at Zhang Yida with a solemn expression:
"I heard that you are competing with Ali and Penguin in the mobile payment market? Facing such giants, you are not afraid of tigers.

What if I can't grab it?Have you thought about the way out? "

Zhang Yida knew that he cared about himself, and said with a smile:
"If you can't grab it, just do the business they don't like, and you can have a market value of billions of dollars in the future.

But at the top of the sky, it will have a market value of 100 billion US dollars.

If mobile payment can share the world with the two of them, Ruixiang will have a chance to achieve a market value of tens of billions or hundreds of billions of dollars in the future.

Speaking of this, Zhang Yida said solemnly, "So, I have to fight."

Zhao Wenbin nodded: "Okay, you can just think about it yourself. When you are young, you really need to have this drive in your career."

Changed the subject again and asked: "I heard that Ruixiang has cooperated with Handing Group and has become the second largest shareholder of Hantai Fund, right? Do you want to further develop licensed finance in the future?"

"Yes, of course, the fund company will not miss the opportunity to buy shares. In the future, the licenses of banking, insurance, trust, and consumer finance will all be sought.

Without a license, it is a motley crew.Holding a license to work is a stable way. "

The idea in Zhang Yida's mind is to become a big financial holding company and get all the financial licenses he can get.

Zhao Wenbin laughed loudly, pointed at Zhang Yida and said, "Your boy is a little ghost, with good sense of business and politics.

Your idea is right, get more financial licenses if you have the opportunity.This is a scarce resource, and the potential for future appreciation is huge. "

Zhao Wenbin has been in politics for many years, and he is still very clear about the direction of the policy, so he is going to give Zhang Yida some advice.

After snuffing out the cigarette butt, Zhao Wenbin said again:
"My job will be transferred after a while, and I will go to other provinces. If I am in the capital, I still have some friends. If you encounter problems that cannot be solved, you can go to them."

Zhang Yida was a little surprised that Zhao Wenbin was going to be transferred, and asked:

"Uncle Zhao, which province are you going to?"

"Qianzhou Province." Zhao Wenbin replied.

Zhang Yida smiled and congratulated, "Then congratulations, Uncle Zhao, you've been promoted every step of the way."

Zhao Wenbin glanced at Zhang Yida and joked:
"There is still some backwardness over there. Are you interested in investing in the past?"

Although Zhang Yida didn't think Qianzhou had any investment value, Zhao Wenbin had asked about it, so he could only bite the bullet and say:

"Um... Uncle Zhao... I have a Huinong Loan company. I can go to Qianzhou to set up a small loan company, and then issue small business loans to local farmers to stimulate the economy and create jobs."

Zhao Wenbin was joking, but Zhang Yida didn't expect Zhang Yida to take it seriously, so he said:
"Hui Nong Loan Company, your trip to Ganzhou to investigate is also to carry out the business of this company, right?"

"Yes, it is to investigate the local customs and market environment, to see what is suitable for planting in the local area? What is farmed? What kind of handicrafts are there. Then grant these farmers start-up loans to help them start a business and become rich."

Zhang Yida began to put gold on his face, and a sentence was very smooth.

"The nature of this company and the starting point of its establishment are very good. You just follow the steps. Even if this company doesn't make any money, or even makes a small loss, you have to keep going. Do you understand what I mean?"

Zhao Wenbin still approves of Huinongdai Company, which can be regarded as a company with a sense of social responsibility.

Of course Zhang Yida understood what Zhao Wenbin meant, this is a good channel to gain social influence and establish a positive corporate image!Nodding and smiling, "Uncle Zhao, I understand."

Zhao Wenbin said: "It's good to understand. To run a business, you must have the people and the country in your heart, so that you can do it for a long time and do it smoothly."

He tapped the desk a few times with his fingers, looked at Zhang Yida again and said:
"When Huinong Loan is refinancing, it would be best if we could bring in a few more banks and other financial institutions to bring in the Poverty Alleviation Foundation."

"Uncle Zhao, that's a good suggestion." Zhang Yida understood what he meant in seconds, and invited some heavyweight partners to come in and do it together.After thinking for a few seconds, he said:
"When Sharp raised its C round of financing, I also planned to introduce national capital."

Zhao Wenbin nodded slightly, the corners of his mouth curled up, a child can be taught.

　Dear readers, please bookmark, ask for recommendation, and apply for the third signing????
　　


(End of this chapter)