Winning the new financial era

Chapter 2 Set a tenth of a small goal first
In my previous life, I didn't make any money from playing games or writing novels, and all of them were earned through online investment.

The level of the game is too poor to be an anchor, pass!

After writing two novels, they both hit the street, and they were even complained about by the master reader, who pulled him out and flogged his corpse!Come on, I won't serve you anymore!I won't write in this life!
Then let’s continue to invest online. In my last life, I was exposed to online financial management in the first semester of college, that is, at the beginning of 2014. It was neither too early nor too late, but I didn’t seize any opportunities that should be seized.

In 2013, Little Ant launched Yu'E Bao, leading the trend of online financial management on the Internet, which can be called the first year of Internet finance.

Subsequently, all kinds of baby-related financial management sprung up like mushrooms, and there were as many as five or six thousand online financial management platforms.

Unlike the O2O group buying "hundred-group battle" and the online live broadcast "thousand-broadcast war", the winner takes most of the share, and one track cannot accommodate too many entrepreneurs.

Internet + finance, this track is wide enough, a trillion-level market.I remember that in 2019 before rebirth, there were 10 or [-] mutual fund companies listed on Nasdaq, New York Stock Exchange, and Hong Kong Stock Exchange, most of which were at the unicorn level, that is, with a market value of more than US$[-] billion.

Internet banking, Internet securities companies, Internet insurance, Internet wealth management, Internet loans and other industries all have good opportunities.

Among them, the most lucrative ones must be online loans. What is the slogan of contemporary young people?
"Everything can be staged"

"Driving School Training Phases"

"Ticket installment"

"Travel Staging"

"Cosmetic plastic surgery staging"

"Car Insurance Installments"

"3C Digital Installment"

……

After reviewing his thoughts, Zhang Yida found that 2013 can be said to be full of opportunities, and any mutual fund segment can be listed separately if it is well done.

In his previous life in 2019, he often regretted that he missed too many opportunities.Being complacent after making a little money is a joke in front of some mutual money bosses.

When I graduated in 2017, the Internet finance field was stymied by regulation.Basically, the domestic memory market is shrinking and undergoing transformation.

Therefore, as a fresh graduate, he had no choice but to give up this line of work.In addition, there were some problems with the feed factory at home, so I have been in charge of the feed factory at home until 2019 after graduation.

However, news about mutual funds has also been concerned.For example, a certain company listed on NASDAQ raised hundreds of millions of dollars, a certain company invested in a licensed consumer finance company, a private bank, and went overseas to Southeast Asia, Africa, and Latin America, and quickly developed into the number one market share in the local market.

All of these news attracted Zhang Yida, making him eager to get involved in the field of mutual funds.However, due to the fact that the family's feed factory business is facing a critical period of transformation, and the time window for mutual funds to start a business has been missed.

The final result was like this. Zhang Yida bid farewell to the mutual fund industry with regrets and did not start a business.

In the last semester of his sophomore year in his previous life, in 2014, Zhang Yida accidentally came into contact with Ping An Lu Jinsuo, an Internet wealth management platform under Ping An Group.

At that time, Lufax was doing a new user attraction activity. New users who registered and invested one dollar would be given 500 yuan of no-threshold investment coupons.Invest 500 yuan in investment certificates for another month. After one month expires, you can withdraw 500 yuan of principal plus investment income with the principal and interest.

Zhang Yida saw the news on the Internet, and tried to register and invest himself, and earned 500 yuan after spending one yuan.

All this attracted Zhang Yida, and he really wanted to find out what was going on in it.Is it safe coins?Or is it that Internet companies have been subsidized madly in order to attract new users?
Then, he slowly entered the mutual gold circle.

At the beginning, I registered on various platforms and became new users to get rewards, and then cooperated with the platforms to help them attract new users to earn promotion fees.

In this way, a cooperation of tens of thousands and tens of thousands has saved 70 million in more than three years.Not to mention much achievement, but it can be regarded as adding some adjustments to college life!

Because I still have to study, the courses are also very heavy.In his previous life, Zhang Yida thought about starting a company in college, which would be dedicated to promoting various platforms.I also thought about building a website to divert traffic to major platforms and collect advertising fees.

Or because of the problem of going to school, I am afraid that I will not be able to do a part-time job, and I have no entrepreneurial experience.After all, he was too young to miss the opportunity.

There is a similar company called Rong361, which was established in 2011. It is known as a mobile financial smart selection platform, providing search and comparison and application services for financial products such as loans, credit cards, and wealth management.

When I wanted to start a business during college in my previous life, the company I most wanted to imitate or benchmark was this company.Later, the company was listed on Nasdaq in 2017, with a market value of up to US$35 billion.

Individual power is limited. In my previous life, I had been doing mutual funds in college, so I didn't make any achievements.

If I make a website at this time and come out to fight with Rong 361.It is very hopeful to carve out a piece of the cake without seeking to kill the opponent.

If nothing else, Rong 361 should have raised $3000 million in Series B financing, led by Sequoia Capital China.Next year, there will be a C round of US$6000 million led by Temasek.In the next year, there will be a round D financing of 10 billion yuan from Yunfeng Fund!
The speed and scale of this financing should not be underestimated, and the team is also very good, including turtles returning from Wall Street, and founders who went there to join.

However, I also have my own advantages. I have a prediction of the future mutual gold trend beyond their 6 years.This alone will allow me to avoid many pitfalls in the future.

You must know that starting a mutual fund business can make money quickly, but getting too close to money can easily lead to various problems and even crimes.

Later, the strong supervision of mutual funds also caused many mutual fund bosses to deviate from their original intentions and did too many outrageous things for money!

"Campus Loan"

"Naked loan"

"Violent Collection"

"Data Trafficking"

Too many, too many to list. "I definitely won't do these things, they are all minefields." Zhang Yida thought to himself.

"They have money, and I have future predictions"

"They have a team, and I will also pull a team!"

"Maybe at the beginning, my team is a little weaker. If we find more technology, the talents in operation should not be much worse?"

Zhang Yida meditated for a while.

Make up your mind, you must do it vigorously in this life, don't be cowardly.

To complete the goal of a house in the capital first, it takes about one-tenth of the small goal mentioned by Boss Wang. Of course, it refers to the house price in 17. Haiding District remembers that it has probably risen to about 10 a flat.Now it should be more than 13 in 4 years.

By the way, there are also parents, remind them to transform as soon as possible, selling pig feed is really hopeless.

In the 16 years of the previous life, the family feed factory put into production a new type of feed, and invested tens of millions of dollars.The R&D and production process was extremely difficult, but the feed that finally met the expectations of the parents was not welcomed by the majority of farmers, and it was unsalable.

Tens of thousands of tons of feed were piled up in the warehouse and could not be sold, and my parents were worried about their gray hair.

Seeing that most of the working capital of the factory is on this, if the feed cannot be sold, there will be no payment.It has already affected the normal operation of the factory. In the end, the strong man broke his wrist and gave a discount of [-]% before clearing the goods.

After this battle, the career that entrusted his parents' life-long painstaking efforts can be said to be seriously damaged.

From 14 to 16, more than two years and nearly three years, tens of millions were invested in the research and development of new feed.

Coupled with the unsalable feed from 16 to 17, the warehouse was cleared at a low price.In the final inventory of losses, a total loss of 200 million was lost.

Fortunately, my parents have always been cautious in doing business, and basically seldom operate in debt.That is, there is no loan to buy raw materials for feed production and new production line equipment.Otherwise, there will definitely be a backlog of hundreds of millions of dollars in goods that time, and bankruptcy is a certainty.

When I graduated from university in 17, the family business was facing a major test.Due to the setbacks in the launch of new feeds, old feeds are also phased out.The market share in the surrounding markets of Rongcheng is also declining day by day.

At that time, I did not escape and shrink back. I first persuaded my parents, took out all the remaining funds of the family of 1000 million, mortgaged the factory land and equipment for 2000 million, and invested a total of 3000 million in the pet food market, and carried out a difficult transformation. battle.

Entering the field of pet food was a carefully chosen decision by Zhang Yida.

First of all, it does not have a big span with the field of pig feed, and they all produce things for animals to eat.

Second, the factory buildings and personnel are all ready-made, and the equipment can be used after modification
Third, all go through online marketing channels, open Taobao and Tmall flagship stores, and cooperate with animal online celebrities to deliver goods live.

Especially the third point, Zhang Yida University has basically been engaged in the field of Internet marketing for several years, and he is not unfamiliar with this field, so he has some experience.In addition, the billing period of this sales model is very short, and the settlement with the partner is once every ten days and half a month.Unlike before, it was common for pig feed distributors to default on their accounts for several months and half a year.

At that time, during the transformation of the factory, the most lacking thing was capital flow, and the capital chain was too tight.

Fortunately, the transformation was very successful. In the first year of 17, the operating income reached 5000 million, the net profit reached 2000 million, and the loan was repaid smoothly.

Because it is a self-made pet food brand, after the product became popular, word of mouth fermented. In 18, the operating income reached 3 million yuan, and the net profit reached 3000 million yuan.In addition, it also spent 8000 million yuan to invest in new plants and equipment to supplement production capacity, so the profit margin has declined.

19年10月份等张益达重生的时候，前9个月营业收入是7个亿了，全年预计不低于9个亿。

At that time, Zhang Yida was still talking to some pet food and veterinary experts and scholars about the expansion and development of some new pet food and medical supplies.The picture is very big, and I want to get a share of the pet market.

Then, after a night of sleep, I returned to 2013 inexplicably.

"There are still a few days before the National Day holiday, so let's go home. Let's just ask parents to transform into the pet food market. There are too many pig feed giants. Zhengda, I hope they are all players who have been cultivating for decades. No If there are too many opportunities, the market will not be big!"

"And I will also implement my next venture capital, 100 million, it will be regarded as my corporate strategy consulting service fee."

Thinking of this, Zhang Yida inadvertently smiled.

Just arrange it like this, there's nothing wrong with it, old iron 666!

(End of this chapter)