Winning the new financial era

Chapter 19
Ge Erping was an ordinary white-collar worker in an office building. He squeezed out of the crowded subway in the morning as usual, and clocked in at exactly nine o'clock to enter the company.

Sitting in his seat, he took a sip of coffee, and leisurely scrolled through Weibo on the computer.

I saw the number one on Weibo’s hot search list, “Ruixiang Technology, a new sharp mutual gold company, once again distributed 8000 million coins.”

What the hell is this?Out of curiosity, Ge Erping clicked in.

"Invest 100 yuan for seven days to a month, and you can earn 30 yuan reward."

"Investing in 12 platforms, 1200 yuan can earn 360 yuan."

"Invite a friend to register and invest in a platform, and get a reward of 10 yuan."

"Invite a friend to register and invest in 10 platforms, and the reward is 120 yuan."

"For the above activities, the total cash reward is 8000 million, the number of places is limited, first come first served!"

"Activity address: Touronghui APP, 365 Accounting Manager APP, Card King Credit Card Manager."

"APP download channels: Android, Apple and other major mobile phone application markets."

……

Hey, this is interesting!Ge Erping searched the mobile app and downloaded all three mobile apps.

Register and log in one by one, and a pop-up advertisement on the homepage introduces the content of the event and how to participate.

After looking at the pop-up advertisement and having a clear understanding of the event, I forked out the advertisement page.

The advertisements of the 12 investment platforms on the home page swipe down on the mobile phone one by one, and they are displayed one by one. Seeing that less than half of the originally displayed activity quotas of 5 to 10 have been snatched away, Ge Erping is a little anxious.

Quickly click on the advertisement page of a platform, jump to the link to register an account, and just about to complete the next recharge investment, the company boss called everyone to a meeting.

Reluctantly quit the app, put away the phone, and Ge Erping went to a meeting.

At the meeting, the boss assigned an urgent task, and the big guy hurriedly took over the task and started to work.

This busy work lasted a whole day, and Ge Erping had already forgotten about the investment.

After work, Ge Erping remembered the matter of investing and getting rewards, and hurriedly took out his mobile phone to log in to the APP to have a look.

"It's okay, it's okay, there are still [-] to [-] places."

Ge Erping put his mind back to his stomach, and started to operate in a leisurely manner. He completed the registration and investment of 12 platforms one by one.Seeing the balance of 360 yuan displayed in the backstage account of Touronghui, click to withdraw cash, and the bank card will show that 2 yuan has been received in the account within 360 minutes.

Ge Erping was very happy, so he opened the 365 Accounting Steward APP, and the "banner" activity page on the home page showed:
"Love to keep accounts and know how to live."

"The first 365 Accounting Steward Challenge Competition, waiting for you to fight!"

"Users who keep accounts for 365 consecutive days will be rewarded with 365 yuan in cash."

"If you interrupt one day of bookkeeping within a year, you need to spend a replacement card."

"The way to get a replacement card is to invite new users to register. The first replacement card needs to invite 3 new users to get it, the second replacement card needs to invite 6 new users to get it, and the third needs 9 people. And so on. You can only get 5 replacement cards at most."

This is interesting, using their software for continuous accounting for one year, the reward is 365 yuan, one yuan per day.If you forget that the bookkeeping is interrupted in the middle, you can also invite new users to get a replacement card.

Come on, join one now.Take good care of the accounts. I used to be a paycheck every month, and I didn’t know where the money was spent.From now on, learn to keep accounts, learn to plan financial management, and save money to marry a wife.

Ge Erping smiled naively, imagining where his future wife would be.

Then Ge Erping opened the Card King Credit Card Steward APP, the home page is also an event page, click to enter the displayed content:
"One-click credit card management, just use Kawang Credit Card Manager."

"Users can bind their billing mailboxes with one click, and enjoy services such as managing bills, calculating interest-free periods, finding discounts, reminding repayment dates, online fast repayments, and applying for cards online."

"Now bind the credit card, and get a 30 yuan credit card repayment coupon, which will be activated in June, and you can deduct 6 yuan for the credit card repayment every month."

"In addition, if you invite a new user to register for the app and successfully repay a credit card once, the inviter will be rewarded with a 30 yuan credit card repayment coupon. The more you invite, the more you get, there is no limit!"

Ge Erping quickly bound his credit card, and saw that there was an extra 30 yuan repayment coupon in his account.Moreover, the APP also shows that it will be my own repayment date in 7 days. After the calculation, it is correct, and the statistics are very accurate.

I tried to use the card king credit card housekeeper to pay off a credit card bill, and the 5 yuan repayment coupon was deducted.Log in to the bank's APP, and it shows that the credit card repayment is successful.

Hey, it's really convenient!I quickly bound the other six or seven credit cards, all in one interface, and the repayment date and bill amount are clear at a glance.

Ge Erping felt that he liked these three softwares very much, so he quickly gave Amway to his colleagues.

Share the invitation links of Touronghui, 365 Bookkeeping Steward, and Kawang Credit Card Steward with colleagues, classmates, and friends through WeChat and QQ.

After thinking about it again, I started to compile a post, listing the various advantages of the three major software, and posted the post to the post bar, forum, and attached my own invitation link.

What happened to Ge Erping is just a microcosm. Now Weibo, Tieba, forums, major QQ and WeChat groups are all discussing these three products and promotion invitations.

The offline situation is similar. Colleagues and classmates recommend each other, the product is easy to use, and there are rewards to get.Everyone is a promoter.

The final result was that the promotion activities were too popular, and the 12 million promotion fees prepaid by the 8000 platforms in the second round were burned in three days.

For Ruixiang Technology, in addition to the gross profit of 4800 million, the number of users of Touronghui has soared to 500 million, and it is still growing at a high speed. It has become a representative of Internet celebrity software with a lot of money.

The number of users of 365 Bookkeeping Butler and Card King Credit Card Butler has also soared and exceeded 100 million, and the products have gained a lot of fame.

Zhang Yida couldn't close his mouth with a smile after reading all kinds of reports.

The product launch was a success and things are getting better.

So the joint due diligence team of Zhenke Fund and Blackshirt Capital also settled in Ruixiang Technology.

A team of more than ten people, including lawyers and accountants, went through three days of investigation.

From the founder to the middle management, to the background of ordinary employees, the resume of the company has been touched all over.

Capture various detailed data of the company's three software from the background, analyze and demonstrate in detail.

Compare and verify the company's various funds and accounts one by one.

In the end, various detailed data were obtained, all kinds of data were summarized, a survey report was written and sent to two funds, and Ruixiang Technology Company was withdrawn.

Zhenke Fund and Blackshirt Capital received the investigation report, held an investment decision-making committee and passed the vote, and began to discuss with Zhang Yida about the details of the shareholding.

"Mr. Zhang, with all due respect. None of your three softwares have much technical content, and a few college students can tinker with them. The asking price of 2 million U.S. dollars is too high, and Blackshirt Capital can only give you 1 at most. billion dollar valuation."

The person who spoke was Shen Beipeng, a tall, thin, white and clean middle-aged man from the capital in black.He looks gentle, but his attitude is very tough.

Zhang Yida smiled lightly, and said:

"Technology is simple and cheap, but creativity is priceless.

The financial supermarket concept created by Touronghui, centralized advertising promotion, reduces costs, and improves advertising promotion efficiency and influence.

Currently, as the largest and most influential financial advertising online platform in the country, it has gained 2 million registered users in less than 500 months.I think whether this persuasion is strong enough, whether it can be done casually.

365 Bookkeeping Manager and Card King Credit Card Manager are tool software that undertake the function of assisting traffic flow. They have been on the market for three days and have won millions of users.

In the future, the three softwares will go hand in hand as a troika, each of which will win hundreds of millions of users.

With more than [-] million users, becoming the largest financial traffic portal is our ultimate goal.

At that time, the pricing power of advertising in the entire financial industry will be jointly controlled by several major traffic giants and Ruixiang Technology.

At present, the company has been established for two months, and has achieved 1.4 million revenue and 8400 million gross profit.

When other companies are still burning money, we have found the correct profit model.

In the future, with the development of the mobile Internet, the prosperity of the Internet financial industry has arrived.

The bigger the market, the bigger the cake. Every mutual financial company that wants to expand its scale and market must come to us to advertise.

What we want to eat is the biggest and most delicious cake. "

Shen Beipeng nodded, it made some sense, but painting cakes is useless to him.He questioned again:

"Where is your company's moat? Where is your core competitiveness?"

Zhang Yida feels that the king of venture capital is really difficult to deal with, so it's not easy to fool around, so let's talk about something dry!road:

"There are two moats, the first is to seize the market first, cultivate user loyalty, and win with speed.

The second is our product matrix. In the future, we will add provident fund stewards, financial management and investment classes, online education for financial courses, and so on.All products will become planets, revolving around the star of Touronghui, input traffic for him, and then turn it into cash by Touronghui.Advertising revenue is only a kind of income at present, and we will consider expanding more monetization channels in the future.

The core competitiveness is rich in products, and all units work together.Followers are welcome in any single subdivision, and I will let them feel what it feels like for a regiment to fight an army. "

Shen Beipeng and Xu Xiaoping on the side applauded at the same time, Shen Beipeng finally showed a smile, and praised:

"Blackshirt Capital agrees to invest! You have successfully convinced me!"

He extended his right hand to shake Zhang Yida's hand, and encouraged him:
"Work hard, young man, I like you!"

Zhang Yida said again:

"On the basis of the pre-investment valuation of 2 million US dollars and the financing of 5000 million US dollars, I still have one condition."

"Please tell me." Shen Beipeng said.

"AB equity institutions, you take A shares, with 1 vote per share. Management takes B shares, with 10 votes per share."

Zhang Yida said word by word.He still thinks it is very important to control the enterprise.

"It's no problem, I wouldn't dare to vote without you!" Shen Beipeng said with a chuckle.

"I still have a small request. Whether you agree or refuse will not affect our cooperation." Zhang Yida said.

"any request?"

Shen Beipeng said a little displeased.Investors are here to invest and donate money to the company, and it is not his style to back down.

"I'm going to sell 1% of my shares to improve my life."

"In principle, it is not allowed, but I like you very much, young man, 1% of the shares, black shirt capital will take it."

Shen Beipeng agreed.As far as the $200 million is concerned, the blackshirt capitalists have a big business, and they just need to get more shares.

　After the companies invested by venture capitalists go public, they often sell their shares to cash out quickly.However, the founders were unwilling to sell the company they had worked so hard to create, so they designed a dual-level shareholding system.The stocks are divided into two classes, A and B.Class A shares publicly issued to outside investors have only one vote per share, while Class B shares held by the management can cast 1 votes.If the company is sold, the two classes of shares will have equal rights to dividends and sales proceeds. Class B shares are not publicly traded, but can be converted into Class A shares on a 10:1 basis.This ownership structure allows management to strike out without fear of being fired or facing a hostile takeover.Because even the founders, who hold about one-third of Class B shares, and important insiders can continue to control the company's destiny even if they lose a majority stake.This structure is relatively rare among publicly traded companies and has been reviled by advocates of good corporate governance.They believe that the concentration of a large amount of power in the hands of a few is undemocratic.

　　
　
(End of this chapter)