Winning the new financial era

Chapter 204 Hidden danger
"Mr. Zhang, Mr. Lu Min is here."

Song Caiwei walked into Zhang Yida's office and reported at the door.

"Huh?" Zhang Yida was a little confused. Lu Min is the CEO of Miaofenqi. After investing 800 million yuan in angel investment in him, Zhang Yida rarely contacted him, and he didn't know why he came to visit.

But since the man came, Zhang Yida would definitely welcome him, and said to Song Caiwei, "Let him in!"

Although Zhang Yida didn't have much contact with Lu Min, he still knew the development of Miaofenqi very well.

Miaofenqi completed the D-round financing of US$4 million in April this year. It completed the D-round financing within one year of its establishment. This financing pace is comparable to that of Ruixiang and Huimin.

Without Zhang Yida's series of companies, Lu Min would definitely be the most handsome boy in the venture capital market in 14-15.

Wearing a pair of glasses, Lu Min looked quite refined. He entered Zhang Yida's office with a big smile on his face, and greeted him:

"Mr. Zhang, long time no see! You are as handsome and talented as ever."

Zhang Yida greeted him with a smile and nodded, and waved his hand to signal him to enter the tea room next to the office. Zhang Yida also got up and entered the tea room.

"I heard that Ruixiang has completed another 25 billion US dollars in financing, and it was invested by the six major state-owned central enterprises. It is really amazing...

Among my peers at home and abroad, I dare say that you can't find one who is more awesome than Mr. Zhang.

As far as BAT is concerned, I think Ruixiang has a good chance to be on an equal footing with them, or even surpass them..."

After entering the tea room, Lu Min never stopped praising her.Zhang Yida didn't dislike others from praising himself, but he didn't answer the conversation and made tea silently.

Lu Min was there alone and talked for a long time. Seeing that Zhang Yida was not very chatty, he straightened himself up and cut to the point:
"Mr. Zhang, let's discuss something!"

"Discussion? What's the matter?"

After Zhang Yida made the tea, he handed a cup to Lu Min, and asked back.

Zhang Yida poured tea himself, and Lu Min hurriedly thanked him, and said, "Yes, about Miaofenqi's E-round financing."

"Rong! This is nothing to discuss."

Zhang Yida was very surprised by Lu Min's reaction. Didn't all the previous rounds of financing be completed with a call from Ruixiang?

This round of financing, I came here to have an interview with myself, how strange!
"Ahem!" Lu Min laughed dryly, and said, "The E-round financing is led by Leech Financial Services."

"Oh!" Zhang Yida exclaimed, drank a sip of tea, and asked lightly: "Why do you want Leech Financial to lead the investment?"

Lu Min couldn't guess what Zhang Yida was thinking, so he said honestly: "Ari is willing to provide a traffic portal for Miaofenqi on Alipay, and also agrees to allow us to access Sesame Credit.

The college student installment mall does not make money at all. After the company researches and decides, it wants to transform into a consumer installment platform for the public. "

Zhang Yida didn't say a word, the initial installment of 800 million was just a random one.

Does Miaofenqi have great potential?Not easy to define.

In the previous life, Miaofenqi had been going uphill until the end of 17, and its market value reached a maximum of 115 billion US dollars shortly after it went public.

Then it kept going downhill. After the 180-day lifting period, the market value hovered at more than 20 billion US dollars for a long time.

Why is this happening?

Lu Min's listing is too high-profile, student loans are on the cusp, and the media likes to pick up the original sin of the company. Miaofen's shareholders pretend to show off the rate of return, and the venture capital colleagues are jealous of eye drops, catching up with the domestic cash loan supervision...

There are many reasons. Even if Miao installs a net profit of three or four billion a year, it will not be able to stabilize the stock price, which is plummeting.

The best choice is to cash out a wave before the listing of Qudian, and then cash out another wave when it goes public, so as to clear the warehouse early.

Zhang Yida didn't plan to use the money cashed out for other things, and just donated it to the Hope Project.

At that time, Lu Min approached Zhang Yidala to invest. Even if Zhang Yida didn't take a stake in Qufenfen, there would be other people or investment institutions.

If Zhang Yida grabs some shares, he can also give back to the society.Take it from the people and use it for the people.

Other venture capital institutions dare not do this.These are all huge profits and returns belonging to investors, and fund managers are not qualified to control them.

In the previous life, Leech Financial Services also took a stake in Miaofenqi, and also provided payment portals and Sesame Credit.

But later, due to the pressure of public opinion, the cooperation with Miao Fenqi was terminated, and all the shares of Miao Fenqi were liquidated.

When Leech Financial was liquidating, all other VCs were gone, and the market value was less than $20 billion...

After six months of listing, the stock price plummeted by 8%. Lu Min taught American leeks a vivid lesson.

Until Zhang Yida was reborn, American Leek and Miao Fen had lawsuits every now and then.

"Okay! As long as you think it is beneficial to the development of Miaofen, let Leech Financial Services invest in it!"

Zhang Yida readily agreed, and Leech Financial's shareholding was the biggest boost to the previous life's take-off in installments.

Even if Zhang Yida disagrees, other shareholders will agree.

Although Rui Xiang competed with Leech Golden Clothes, they both put on a dignified formation, so there was no need to play small tricks.

What's more, Leech Financial's shareholding can also drive Miaofenqi's business improvement and valuation/market value improvement.

Ruixiang will cash out more money in the future, and build more Hope Primary Schools.

Lu Min felt a little surprised, he was ready to be sprayed by Zhang Yida, but Zhang Yida agreed easily with just one word.

Who doesn't know that Ruixiang and Leech Golden Clothes are mortal enemies?Businesses are highly overlapping.

Including Lu Min, who has always considered himself a member of the "Sharp Xiang Clan", now that he, the "number one boy", is going to join the enemy, Zhang Yida is not shocked at all, not surprised at all!
Lu Min thought about it, and there was only one possibility: Ruixiang didn't care about Miaofenqi, and looked down on himself.

Thinking of this, Lu Min felt a little sad and resentful.

I have started my own business for ten years and failed more than a dozen times. Now that I have made such a big scene, the result is still not taken seriously by others.Don't care about yourself at all.

Lu Min secretly swore in his heart: he must hold Leech Jinfu's thigh tightly!Make the enterprise a market value of [-] billion US dollars!Let all those who look down on themselves be slapped in the face.

Lu Min continued to chat with Zhang Yida for a few more words, then left Zhang Yida's office with a cold face.

Walking out of the gate of Ruixiang's company, Lu Min looked inside and cheered himself up: Lu Min, come on!Stick to your dream and step on Ruixiang in the future.

Zhang Yida didn't know what was going on in Lu Min's mind, and if he knew it, he would yell for injustice.

Let you go to Leech Financial Services, you feel that you are not valued;

If you are not allowed to seek refuge, you probably feel that Rui Xiang is a villain.

……

"Mr. Zhang, once our financial supermarket raises the threshold for cooperation platforms, it will shut out countless small and medium-sized enterprises.

Revenues and profits are bound to be massively impacted. "

Gu Panpan came to Zhang Yida's office and persuaded him to withdraw his life.

"Enterprise development should not only focus on profits. It must also maintain the company's own brand and reflect the company's sense of social responsibility.

Look at how many P2P platforms have run away this year?
Although there is no problem with the platform we cooperate with at present, it does not mean that there has been no problem.

Eliminating unqualified platforms is not only a matter of now, but also of the future.

Even when it is a last resort, I will consider shutting down this business directly.

The financial supermarket has 7 major business segments, and the Internet financial supermarket is just one of its branches.

Although it is the branch with the largest revenue contribution, the proportion of revenue in the entire financial supermarket segment is gradually decreasing.

What does this mean?It shows that other business sectors are developing rapidly.

With this energy, you might as well expand the business of the other 6 major business sectors.

If the revenue of Internet financial management supermarkets decreases, it will be made up by other sectors! "

It is impossible for Zhang Yida to "weaken" the business strategy of the Internet wealth management supermarket.He began to instill other ideas in Gu Panpan, trying to dissuade her.

Gu Panpan frowned, thinking in his heart, is it that serious?If necessary, Internet financial management supermarkets will also be shut down.

She is an old courtier who started her business with Zhang Yida, and she knows that Ruixiang's oldest business is an Internet wealth management supermarket.

Although Ruixiang's current business has almost spanned the entire financial field, the Internet financial supermarket is what she has the most affection for.

Although the current Internet financial management supermarket is about to become tasteless, it was done bit by bit with her countless efforts at the beginning.

"Mr. Zhang, if this is not the case, we will increase the due diligence of the cooperation platform.

If there is a problem found, we will terminate the cooperation and take it off the shelves.

If no problem is found, we will continue to cooperate.

Ruixiang can not exist today without the long-term support of many old customers.

Now that I have such a hand, I am afraid that it will affect Ruixiang's reputation and reputation. "

Gu Panpan still did not give up and was still trying to persuade Zhang Yida.

"Wealth management supermarkets are no different than others. The reason why users invest in a certain P2P platform is inseparable from our diversion and recommendation.

Although we have made a risk warning and a statement of responsibility.

But if a certain platform is really thunderstormed, users who have suffered huge property losses will definitely come to blame us.

To say that the accusations are light, maybe you have to claim compensation, and come to the company to pull a banner downstairs to collect debts. "

Zhang Yida knows better than retail investors in China, and their awareness of investment risks is not high.

It's okay to say that nothing happened, but if something happens, it will definitely turn your face.

Not to mention sharpness, some relatives recommend relatives to invest in P2P, and they become enemies when they lose money.

"Is it that serious?"

Hearing what Zhang Yida said, Gu Panpan's expression became a lot heavier.She shuddered when she thought of the scene where hundreds or thousands of people came to the company downstairs to pull banners.

If that happens, Ruixiang's other businesses will also be affected.

Of course, as long as Ruixiang gives all customers the bottom line, this phenomenon will not happen.

Users will also send a good person card to Ruixiang, and praise the national good company.

But is it possible?
You earn the money, and the risk is borne by Ruixiang.

"It's much scarier than you can imagine. We have seven major financial supermarkets. Let's take a look at the business overlap between Leech Financial Services and ours.
The only thing they don't have are Internet wealth management supermarkets and loan supermarkets.

But the loan supermarket is coming soon, they have invested in Miaofenqi, and they will soon help the other party divert traffic, which is a disguised loan supermarket.

Internet financial management supermarket, I guess Leech Financial Services would not dare to touch.

If I hadn't relied on it to get started, I didn't want to touch this mine.

Even if you carry a time bomb on your back at any time, you don't know when it will explode.

Do you think that those who engage in P2P business are all legitimate?Now there are no regulatory constraints, and most of them are operated by Sao.

Do it for the last year! At the end of 16, the Internet wealth management diversion business was completely stopped. "

After listening to Zhang Yida's words, Gu Panpan looked at Zhang Yida and persuaded him, "Mr. Zhang, it's so dangerous, why don't we close this business now!"

Zhang Yida wanted to laugh. Women are timid. Before, they vowed to persuade themselves to keep the Internet wealth management business, but now they are frightened by themselves and start to persuade themselves to close the business.

"It's not that dangerous anymore! There are many small businesses taking advantage of troubled waters, and they have the weakest ability to resist risks.

Many large enterprises are relatively compliant. "

Zhang Yida knew that the thunderstorms in his previous life were in 17 and 18, especially in 18, when a lot of large P2Ps died.

Before that, all the dead fish were small fish.

If he hadn't made a bet on his back, Zhang Yida would have jumped off the car right now.

The business has also started, and it is a hidden danger to keep the Internet financial management supermarket.

(End of this chapter)