Winning the new financial era

Chapter 218 Interest Exchange
"Sincere?"

The shareholders of Yi'an Insurance who attended with Cheng Xiangjun kept thinking about this word in their hearts, and all of them frowned.

Zhang Yida was also a businessman after all, and they guessed that the so-called "sincerity" was nothing more than profit.

Zhang Yida is so generous, but he wants to put Yi'an Insurance on the shelves of Touronghui for sale, and also lowers the cooperation fee rate. What is the plan?
The sense of responsibility of major shareholders?This is bullshit.

Although Ruixiang is the major shareholder, it only holds 15% of the company's shares.

With only such a small stake, there is no need to work so hard.

Everyone vaguely guessed Zhang Yida's plan, and a shareholder asked Zhang Yida tentatively: "Mr. Zhang, I don't know how to show this sincerity? Please show it clearly."

Zhang Yida smiled and said: "Let me talk about the insurance supermarket, one of the seven major financial supermarkets of Ruixiang, and a little mutual aid!
Insurance Supermarket was established by Ruixiang last year. Today, there are more than 1 million users who have used this service and have insurance policy purchase records.

At present, the average daily policy transaction volume of insurance supermarkets has exceeded 100 million. "

"1 million people? 100 million orders? There are so many?"

A shareholder of Yi'an Insurance questioned, and the others also looked at Zhang Yida suspiciously.

Zhang Yida scratched his eyebrows and said, "These insurance policies are not all the big ones you imagined, with annual premiums of tens of thousands of yuan for life insurance and critical illness insurance.

Most of them are consumer insurance and accident insurance, with an annual payment of tens or hundreds of dollars. "

"This kind of small order, the profit is not big!" Some shareholders commented.

Zhang Yida looked at him and replied: "Yes, the profit is not big. But our customer base is mainly born in the 80s and 90s, and they are the aborigines of the Internet.

What is Rui Xiang doing?Cultivate their insurance buying habits.

The amount of consumer insurance is not large, but it can be regarded as the first step for users to purchase Internet insurance, and the next consideration is further transformation and guidance.

Slowly guide users from small-amount consumer insurance to large-amount critical illness insurance and life insurance.

In addition, insurance policy sales will not be particularly frequent, and many users may only buy large-value insurance a few times in their lifetime.

Because the amount is huge, many users need to hesitate and consider repeatedly.

If E'an Insurance wants to enter the big cake of critical illness and life insurance, it must first build a sense of trust for users.

In cooperation with Ruixiang, start with small insurance types such as consumer insurance, accident insurance, and travel insurance. Once you have a certain foundation, add other insurance types. "

Several shareholders nodded repeatedly, saying what they said was old-fashioned, not ambitious at all, and it sounds like it is feasible.

Zhang Yida went on to introduce: "Diandianchou is a serious disease crowdfunding website under Ruixiang, and the current number of users has exceeded 5000 million.

Diandianbao is an insurance brokerage brand under Diandianchou, which is responsible for monetizing the precise insurance traffic diverted by Diandianchou.

Contrary to insurance and financial supermarkets, Diandianbao focuses on critical illness insurance and various life insurances. "

Speaking of this, Zhang Yida emphasized his tone: "Why is this happening? This is determined by the content of the platform.

Every day on Diandianchou, there are various tragedies in the world. Users have seen too much, and they are no longer so confident in their bodies, and they have begun to consider configuring a critical illness insurance to add some protection to themselves.

Therefore, Diandianbao’s critical illness insurance has sold very well, and its business growth rate has almost doubled every month. "

After finishing speaking, Zhang Yida spread his hands and said with a smile: "If you don't pay attention, you will talk too much. Let's go back to the original question—sincerity."

"Okay. Mr. Zhang, we know Ruixiang's sincerity. Tell me what you want? Or what do we have to pay?"

Cheng Xiangjun was also impressed by Ruixiang's strength, and asked Zhang Yida very straightforwardly.

"Yes! Mr. Zhang, we deeply admire Ruixiang's strength. Just tell us, how do we cooperate?"

"You Rui has always presided over the work of Yi'an Insurance, and I agree with both hands."

"Yes, I support it too!"

Seeing the strength of Sharp Vector, other shareholders also echoed.

"Okay, then let me just say it straight! Ruixiang needs to pay a very high price to help Yi'an Insurance get started.

Therefore, we need a certain amount of return. After three years, Ruixiang will become the controlling shareholder of E-On Insurance. "

As soon as Zhang Yida finished speaking, everyone fell silent.Several small shareholders turned their attention to Cheng Xiangjun.

The companies they represent are all small shareholders, and Yinzijie Group has the most shares. Like Ruixiang, it has 15% shares and is tied for the largest shareholder.

As long as Yi'an Insurance develops well, the minority shareholders don't care who will be the major shareholder or even the controlling shareholder.

Originally a financial investor, purely trying to make money.The day-to-day management of the company is not up to them either.

Be it Ruixiang or Yinzijie, they will support whoever can make them rich.

Although they recognized Ruixiang's strength more, several shareholders were afraid of offending Cheng Xiangjun, so they did not express their opinions easily, and they were going to wait and see Cheng Xiangjun's reaction.

Cheng Xiangjun was also very conflicted. On the one hand, he hoped to obtain the huge traffic from Ruixiang, and on the other hand, he was reluctant to lose his position as a major shareholder.

Seeing the changing expression on Cheng Xiangjun's face, Zhang Yida knew that the boss was weighing gains and losses.

From his previous life, this big boss frequently stalked Internet financial hotspots, and it can be seen that he is a person who values ​​profit over fame.

Zhang Yida was about to add another fire, and said, "You Rui has been managing Yi'an Insurance, and after three years, I will definitely give you a satisfactory return.

At present, the paid-in capital of Yi'an Insurance is 10 billion yuan, which can be regarded as 10 billion yuan in net assets.

Three years later, I promise to achieve a net worth of 50 billion yuan.

If it can’t be done, Ruixiang will give up becoming the controlling shareholder, and then renegotiate the management rights of the company.”

The eyes of several minority shareholders lit up, this is not bad!Five times return in three years.

Although they were very tempted, but knowing that their opinions would not have much effect, the key lies in Yin Zijie's attitude.

Cheng Xiangjun calmly analyzed Zhang Yida's words, thinking, he is so confident that he has even set the conditions for a five-fold increase in net assets in three years.

At the same time, he also saw Zhang Yida's emphasis on the insurance business.

He guessed that the strategic proportion of the insurance business in the sharp system must be very high.

You can't agree so easily, and wait for a while to see if you can get some more benefits, so Cheng Xiangjun said:

"Mr. Zhang, I think this matter needs to be discussed in the long term. Yi'an Insurance is about to open. We should focus more on this and try to get off to a good start.

As for the controlling shareholder, don't worry!After operating for a period of time, the company's business is on the right track, and we will sum it up together.

This is like fighting a war. Before the war started, we discussed how to divide the spoils.

I'm also speaking from the bottom of my heart, which may not sound so pleasant to my ears.

Mr. Zhang, please forgive me! "

Zhang Yida looked at Cheng Xiangjun, who was looking at him with a smile, and thought, what a slippery old loach!

Its use of delaying tactics is nothing more than two ideas: either want to invest resources in a desperate way, and at the same time be reluctant to give up the position of major shareholder;

Or they just want to control themselves and ask for more benefits.

"That's fine! Let's talk about this today. Let's discuss the rest of the matter later!"

Zhang Yida expressed his opinion.

All the small shareholders were disappointed, why did they admit it?
Oh, what a pity!You should argue with Old Fox Cheng!We are all for you.

They are really sorry, Rui Xiang has such thick thighs, if they don't play with them in the future, how much money will they lose?
It's over, it's useless to talk about it.

They decided to communicate more with Zhang Yida in private to show their support.

In any case, Ruixiang must be firmly tied to the chariot of Yian Insurance.

"Mr. Cheng, please stay."

Cheng Xiangjun stopped leaving, looked at Zhang Yida with a smile on his face, and said, "Mr. Zhang, is there anything else?"

"Yes! How about talking alone?"

Zhang Yida said with a smile.

Cheng Xiangjun thought, this is right!Let's discuss the conditions carefully, there is no problem that cannot be solved.

So Cheng Xiangjun nodded and replied: "All right!" After speaking, he walked back to the conference room from the door, sat down in the chair opposite Zhang Yida, and looked at Zhang Yida, waiting for the other party to speak.

Zhang Yida's call to Cheng Xiangjun was also noticed by other small shareholders who had already left the meeting room.They were all wondering what exchange conditions Zhang Yida would offer Cheng Xiangjun.

"Mr. Cheng, has Yin Zijie ever thought about entering the field of wind control system technology output?"

Cheng Xiangjun scratched his head and said, "I've thought about it! But I don't have big data accumulation! It's useless to do it.

Our main products are: computer printing inspection system, batch printing inspection system, bill image exchange business processing system, bank-enterprise reconciliation management system, centralized business image operation platform, remote authorization management system, etc.

Unlike you, Ruixiang, who have accumulated a large amount of C-end user data.

You can export risk control technology, but we can't. "

Zhang Yida nodded, Cheng Xiangjun was still very self-aware.He also said: "Ruixiang's subsidiary Tiance Technology is focused on the export of risk control technology. At present, Zhongnong Gongdu has cooperation with Tiance Technology.

Yinzijie has a bank customer base, and we have technology.

I think we can work together. "

"Oh. What kind of cooperation method?" Cheng Xiangjun asked with interest.

"Be the core agent of Tiance Technology." Zhang Yida threw out his own terms of exchange.

He has repeatedly considered the cooperation space between Yinzijie and Ruixiang, and the risk control technology that is closest to the business has been exported.

Yinzijie has cooperated with joint-stock banks and rural commercial banks across the country, mainly providing them with some technical services commonly used by banks.

After nearly 20 years of development, Yin Zijie has accumulated very deep bank connections.

Ruixiang is different, relying on the relationship of shareholders to win the cooperation with the four major banks.

When the business continued to expand downwards, especially the city commercial banks and rural commercial banks encountered a lot of soft nails.

In a small city, people are very particular about personal connections, and cooperation cannot be won just because of a good product.

Ruixiang asked Yin Zijie to be his own agent, which just took advantage of the other party's strengths. At the same time, Ruixiang could cooperate with more banks and make a small profit.

Cheng Xiangjun is also considering that Yin Zijie has cooperated with more than 360 banks across the country. If half of the banks can purchase Ruixiang's risk control system, the income can also increase by several hundred million.

"Come on! But I want the sole agency in the banking industry."

"no problem!"

(End of this chapter)