Winning the new financial era

Chapter 214 Education Stages
"Xiao Qi, there is good news!"

After Qi Xiaoming was called into the office by the general manager Yang Pengfei, he thought he was going to criticize himself again, but he didn't expect to hear such a sentence from him.

"What good news? Mr. Yang."

Qi Xiaoming asked curiously when he saw the smile on Yang Pengfei's face.

"Let me tell you! Our company has just received a strategic investment.

Mr. Chen has already let go, and is studying the latest promotion policy, which will be officially launched soon.

You cheer up the colleagues below, and if you persist for a few more days, the time to fight back will come. "

Yang Pengfei swept away the decadence of the past few days, and his whole body became more energetic, and his words also revealed a strong sense of confidence and confidence.

"Oh. Strategic investment? How much money did you raise?"

Qi Xiaoming saw that Mr. Yang was so confident, he was singing like a turned serf, and he was also very curious about the amount of financing, so he asked a little.

Yang Pengfei glanced at him, and then slowly said: "Anyway, it will be made public soon, so it's okay to tell you. We raised 3 million US dollars, which is nearly 20 billion yuan when converted into RMB.

The investors are also well-known, including CITIC Industrial Investment Fund and China Merchants.

In addition, our company has also signed tens of billions of contracts with China CITIC Bank and China Merchants Bank behind them. "

"I'll go, it's so awesome!" Qi Xiaoming sighed, and then asked curiously: "What's the meaning of the tens of billions of contracts?"

"What do you think?" Yang Pengfei rolled his eyes at him before saying, "Think about it! We are an Internet finance company, what can we cooperate with a bank for? Financial management? Transfer? It must be a loan."

"That means the two major banks have lent us 100 billion yuan?"

Qi Xiaoming also reacted, and said very surprised.

"That's right! I heard that Mr. Zhang was really angry this time, and he said that he would teach these clowns who don't understand the rules of the industry and disrupt the order of the industry."

Yang Pengfei raised his legs and said with a smile.In his opinion, it was long overdue.

Some time ago, their Yimin Loan Zhongyuan Provincial Company was hanged and beaten by other colleagues in various ways to rob customers.

He has been holding a breath in his heart, and he has long wanted to fight back, but due to the lack of orders from the headquarters and corresponding activity funds, he has not taken any action.

"Mr. Zhang has personally intervened?" Qi Xiaoming asked.

"Isn't that right! Although Mr. Zhang is busy with his official duties and manages a lot of things every day, he is very aware of the slightest disturbance in the following."

When mentioning Zhang Yida, Yang Pengfei's words were full of respect and admiration.After all, the other party has built such a big foundation at such a young age, so he can't accept it.

"Mr. Yang, have you met Mr. Zhang? I saw a short Douyin video from him some time ago. In the video, he was talking and laughing with Bonima and Robin Lee."

"I must have seen it! Before I went to the capital for a meeting, Mr. Zhang shook my hand kindly and encouraged me.

You must know that more than 20 provincial presidents came here at that time, and those who received this treatment were just me and a few other provincial presidents with outstanding performance. "

Qi Xiaoming asked again: "Is Mr. Zhang really still a college student? I heard he's only 20 years old?"

Yang Pengfei nodded and said, "It's about the same age as you, 95 years old."

"I was born in 92." Qi Xiaoming corrected.Then he sighed again: "This person is dead compared to others, and he is thrown away when compared with goods. He is also born in the 90s, so he is too good!"

"What's the use of being envious of others? You have to act yourself.

Xiao Qi, I am still very optimistic about you.Work hard, our group is so big, there are many positions. "

Qi Xiaoming nodded, and said with firm eyes: "Yes, we must act. I have only one thing on my mind now, and that is to make achievements, to make achievements."

Yang Pengfei patted him on the shoulder and encouraged him: "Then act quickly! Take stock of all the clients who are still with you, and review more failed cases.

The policy will come down soon, and it will be the turn of others to envy you. "

With high fighting spirit, Qi Xiaoming walked out of Yang Pengfei's office full of chicken blood.

Looking at his back, Yang Pengfei smiled and said, "Who said it's not easy to take care of post-90s? Management is about craftsmanship."

……

"Principal Yu, good morning!"

Looking at Qi Xiaoming who pushed the door in, Principal Yu frowned and said:
"Mr. Qi, didn't I tell you a while ago? We are not considering cooperation with your company for the time being."

"Principal Yu, don't be in a hurry. You might as well listen to me about our cooperation conditions first. After listening, it's not too late for you to make a decision!"

Qi Xiaoming had a thick skin, so he found a seat and sat down after speaking.Then he took out a brochure from his handbag and handed it to Principal Yu.

Principal Yu took the brochure and squeezed it. It was very thin, only a few pages, but the quality of the paper was very good. It could be seen that some thought was put into it.

Principal Yu unfolded the folded brochure, and the title on the homepage was "Yimindai has won 120 billion financing, hereby give a big reward to users and cooperative merchants."

"120 billion financing, is it true or not? How big is your Yimin Loan?"

Principal Yu pursed his lips, with a look of disbelief.

"Yes, the 120 billion financing consists of 20 billion equity financing and 100 billion debt financing.

These news can be searched online.

Principal Yu, please continue to read, there is a picture on the brochure.The picture shows our chairman Mr. Zhang Yida signing the contract with two major investors, CITIC and China Merchants. "

After hearing this, Principal Yu continued to look down, and there was indeed a picture of an on-site signing.

In the picture, a handsome young man in a suit is standing in the middle, his hands are crossed and he tightly holds the hands of two middle-aged men standing on the left and right sides of him.

Principal Yu didn't know Zhang Yida, so he asked, "Is that young man standing in the middle your boss? So young? Is it reliable?"

"right.

If you have ambition, you will not be old, but if you have no ambition, you will live a hundred years.

Although our boss is young, besides Yimin Loan, he also has a US listed company with a market value of tens of billions - Yimin Wangjin.

In addition, he also founded a series of companies such as Ruixiang and Huimin Bicycle.

He ranks 75th on the Forbes list, with a net worth of 162 billion. "

Qi Xiaoming saw that Principal Yu was a little suspicious of his boss, so he hurriedly educated him about his knowledge.

When Qi Xiaoming said this, Principal Yu had some impressions. He had heard of such a number one person before, but his impression was not deep, and he didn't immediately fall into his seat.

"Okay! I admit that you, Yimindai, have strength. But doing business is not only about these things, Mr. Qi, please tell us about your conditions!"

Seeing that Principal Yu's attitude was no longer so tough, Qi Xiaoming began to say:
"Compared with other financial companies in the market, our Yimindai Company is undoubtedly stronger and has more advantages in cooperation.

First of all, we have cooperated with banks to obtain lower-cost funds, so we can crush most companies in the market in terms of user interest.

This is also beneficial to Principal Yu and your training school.

Once you choose to cooperate with Yimindai, compared with other peers, you can provide education installment products with lower interest rates and more popular users.

Secondly, our company is more willing to give profits to partners.

It turns out that the cooperation commission we give to our partners is: [-]% of the loan amount.

Now we can give you a three percent rebate. "

Principal Yu thought about these words silently, and asked after a long time: "Then how much interest can you pay at least? Qiandu's interest is very sincere, and the annualized interest rate of the installment products given is 16%-17% .”

"We used to have an annualized rate of 20%, but now we have adjusted it. The interest rate has dropped by 5 points, and the annualized rate is 15%, which is definitely lower than that of Qiandu Money."

Qi Xiaoming had found out a long time ago that the interest rate of his company is definitely the lowest in the industry. I don't believe these principals are not tempted.

Principal Yu nodded, showing a satisfied smile, and then asked: "Then do you still have to pay the deposit?

You previously asked our training institutions to pay a 10% or 20% deposit to the installment platform to ensure that the students really came to learn.

In fact, I think this step is a bit redundant.There is no need to pay for things like Qiandu. "

"Well. We also changed the rules, so we don't have to pay."

From Qi Xiaoming's point of view, he also felt that this deposit was a bit redundant, which was very detrimental to his business development.

Now that the deposit is waived, he is sure to convince more principals of training institutions.

"Okay! Mr. Qi, since you are so sincere, then we will cooperate with you Yimindai!"

Qi Xiaoming quickly took out the contract from his bag and handed it to Principal Yu.

Principal Yu took it over, looked at it, and asked, "Mr. Qi, your cooperation period is too long! At least three years to start.

There is also liquidated damages, my dear, 1000 million! "

Seeing Principal Yu's hesitation, Qi Xiaoming added to the fire: "Principal Yu, there is no free lunch in the world. You should understand this sentence.

We give the lowest interest rate and the highest cooperation commission in the whole industry, just hoping to cooperate with you for a long time.

In the field of education installment, no company can compete with us except Qiandu.

Even if it is Qiandu, it is impossible to give better cooperation conditions. "

Principal Yu thinks about it too, 15% interest is the same as bank credit card interest, it seems to be even higher.

Taking into account the bank's capital costs, operating costs, and cooperation rebates, it is estimated that Yimin Loan is almost losing money.

"That's fine! Let's do it!"

Principal Yu feels that the conditions are still very favorable. The educational installment product will help him recruit students, and the cooperation rebate is a considerable income.

In the end, I happily signed the cooperation agreement.

Qi Xiaoming finished this cooperation signing, and hurried to the next training institution.

"Principal Zhao, what era is this? Your school is still cooperating with an education installment platform that uses offline manual review.

How long does it take to review?How many hours or a day?
If you cooperate with Yimindai, the students can directly fill in the application in Yimindai's APP. After filling out the information application in 1 minute, the review result can be issued in 10 seconds. "

"Principal Sun, the annual loan interest rate is 15%, and the commission rebate is 3%. This is the sincerity of our Yimindai."

……

Qi Xiaoming shuttled between cities, relying on his extraordinary eloquence and company policies, mainly because of good company policies, he won cooperation from one school after another.

(End of this chapter)