Winning the new financial era

Chapter 29 Loan Supermarket Online
After hearing what Zhang Yida said, Wang Hongxin had a general understanding of the development process of Ruixiang Technology.

Although Zhang Yida spoke modestly, she believed that this was by no means a fluke.praised:

"Xiao Zhang, you are really young and promising!"

Zhang Yida said modestly:

"Auntie's reputation is too high. The company is still very young, and there is still a lot of competition to face. If the company wants to develop better, I still have a lot to learn and work hard."

Wang Hongxin nodded, more satisfied with Zhang Yida.Famous at a young age, but neither arrogant nor impetuous.The temperament is calm, and there are hills and valleys in the chest.

Wang Hongxin asked a few more questions about the company's products and specific business directions.

Zhang Yida also answered one by one.

After dinner, before leaving, Wang Hongxin said:

"Xiao Zhang! Yaya, this girl is not sensible! You have to let her be more. Besides, come to our house when you have time. Yaya's father must like you very much!"

Zhang Yida was a little puzzled, and replied blankly: "Oh, yes, auntie!"

Zhao Erya shyly said: "Mom, what are you talking about? The relationship between us is not what you imagined."

Wang Hongxin, on the other hand, looks like someone who has come here, giving you a look to experience it for yourself.Can't I see your affectionate eyes and the way you want to tie your heart to others?

After Wang Hongxin left, Zhang Yida and Zhao Erya stared at each other.

Zhao Erya blushed like a monkey's butt, and said in a voice as small as a mosquito: "My mother talks like this, don't be angry!"

Zhang Yida couldn't laugh or cry and said, "It's okay. I was worried that you would be angry."

Zhao Erya muttered in a low voice: "I'm not angry! I can't wait for it!"

After saying this, he secretly glanced at Zhang Yida.Seeing that Zhang Yida was staring at him, he quickly lowered his head again, not daring to meet his gaze.

After buying two cups of milk tea, Zhang Yida and Zhao Erya had a cup each, and went back to the company talking and laughing.Under the envious eyes of the young lady at the front desk, Zhao Erya waved goodbye to Zhang Yida and went back to the telemarketing office area.Zhang Yida also turned around and went back to his office in the opposite direction.

Zhao Sheng is a salesman of the capital mortgage company. Today, he carried a stack of loan leaflets and distributed them all over the street. His legs were numb and his hands were sore.Not many leaflets were sent out, and there was no sign of customers.

He went back to the company dejectedly, sat in a daze at his desk, and couldn't even pay the rent if he didn't bill again.After graduating from college, he didn't want to go back to his hometown in the countryside. He liked the prosperity of the capital, so he entered a mortgage company in the capital and became a salesman.

It has been half a year since I joined the company, but the performance fluctuates from good to bad.

For example, it’s the end of the month, and I haven’t billed yet, so I get a basic salary of 3000 yuan. After paying the rent, there is not much left. I really almost vomited after eating steamed buns and pickles.

Just when he was depressed, the director came out, clapped his hands and said:
"Everyone listen to me, there is good news."

All the salesmen put down their work and prepared to listen to the director's speech.

The director smiled and said:

"Our company has recently successfully signed a cooperation agreement with Ruixiang Technology. In the future, after mortgage customers in the BJ area submit loan order applications on the website and APP of Ruixiang Technology, the order will be presented through the background opened by Ruixiang Technology. The order There are customer contact numbers and basic information on it.

They are all customers who have been precisely screened and meet our company's loan access conditions.

We will assign these customers to everyone, and after everyone gets the information, they will contact the customer to go to the store or come to the door to apply for a loan.

Of course, our company spent money to obtain these customer data.If everyone successfully bills in the end, the commission will be less than that of customers developed by themselves.

But everyone should know that if there are more customers, it means that everyone has a higher chance of billing. Even if the commission is less, it is better than not being able to bill for a month and getting a basic salary. "

After the speech, the salespersons in the audience had mixed reactions, and most of them thought that this was actually quite good.It is better to have a bill and a commission than not to get a penny.

The director smiled and began to assign the client list to everyone.Today, Ruixiang submitted dozens of loan orders to the backstage, all of which cost money, so we must strike while the iron is hot!

Huang Xi is the owner of a start-up company. He is sitting in the office in a daze at this moment, feeling as if he has been drained of energy.Malaise.

Glancing at the lobby outside the office, a dozen brothers who have followed him for several years in his entrepreneurial journey are working overtime to make game projects.

Look at them so professional, so dedicated.Huang Xi couldn't bear to tell them the truth. The truth was that the company's capital chain had been broken, it was about to go bankrupt, and it was almost impossible to pay wages.

Looking back on these years, after graduating from a prestigious school, I joined Soli Changyou, starting as a developer and then working as a project manager.After the company went public, they sold the stocks rewarded by the company, and recruited a group of brothers to start their own businesses and start developing games.

After doing it, I realized that starting a business and working part-time are completely different things.The few games developed have all gone to the street, and the savings over the years and the money from selling stocks have all been lost.

A man in his thirties has nothing but a flat in the capital.

When the card king credit card manager was paying off his credit card, he saw a loan advertisement promoting housing loans, so he resolutely filled in the loan application information.

I think I can still win, so I have to fight.Huang Xi clenched his fists tightly, for himself and for a group of brothers who followed him to start a business, this time he blocked all his wealth and made a final fight.

"Beep," the phone rang, and Huang Xi picked it up.

"Hello, are you Mr. Huang Xi?" asked over the phone.

"Yes, I am. Who are you? What's the matter?" Huang Xi asked.

"My side is from a mortgage company? Excuse me, do you need a house mortgage loan?"

"Well, I want a loan, how soon can I get it?" Huang Xi asked eagerly.

Zhao Sheng is very excited, the information provided by this company is very accurate!Someone needs a loan at the first call.So he started to introduce the company's mortgage products again, and asked about Huang Xi's house size, location, whether the full payment is a mortgage...

"Well, come here! Come to our company to talk, and if it's suitable, we can handle it today." Huang Xi was rather anxious, and his salary would be paid in two days, and he needed money to develop a new game project.

Zhao Sheng hesitated for a moment, and was about to leave work, so he was asked to go over and apply for a loan.But when I thought about billing and earning money, I agreed with my heart.

After asking about the location of Huang Xi's company, I took the subway for nearly 2 hours to get to Huang Xi's company.

With Huang Xi's cooperation, Huang Xi entered the loan application materials.It was agreed to go to the housing management bureau to handle the mortgage tomorrow, and the list was completed.

This scene is just a microcosm. When Ruixiang Technology Loan Supermarket was first launched, there were not many loan partners, but there were so many customers who submitted loan applications that the partners were too busy.

With this wave of cooperation, all loan companies have made a lot of money.

It is not a loss for Ruixiang Technology Co., Ltd., if a successful customer loan is diverted, a channel fee of 1% of the loan amount will be charged to the partner.

If we help loan cooperation companies match up a loan amount of 10 billion yuan a year, we will also have an income of 1000 million yuan.

The bigger advantage is that through this loan supermarket, you can gradually get online with loan companies all over the country.

After a while, P2P companies can also come to a wave of financial cooperation with them, not limited to traffic cooperation.In the future, risk control systems can also be developed and sold to these companies, including paid calls for credit score inquiries.

One-stop service from customer acquisition, to risk control, to lending funds.For collection, forget it, it's a minefield.

While looking at the data report of the loan supermarket, Zhang Yida thought of many things.

With the traffic platform of Ruixiang Technology as the core, it is an aircraft carrier.

With P2P business, risk control output business, big data personal credit scoring and other businesses as escort ships.

Jointly form a huge aircraft carrier formation of "Internet + Finance + Technology".

The goal is very ambitious, but the current Ruixiang is still very young, and it can only be laid out step by step.

Lei Dongming knocked on the door of the chairman's office, and walked in with a red face.

Seeing his happy look, Zhang Yida guessed that there was news about the license payment.asked:
"I'm so happy, is there anything to say about paying for the license?"

Lei Dongming chuckled and said:
"The chairman's eyes are like a torch, and he saw right through me!
It must be too late to apply for a license. I heard from friends in some agencies that the country is about to close the gates!

If I want to buy it, I have found two that are interested in selling.

The first company is Jingcheng Digital Communication. They have a payment license, which was obtained in June 12. Their business covers Internet payment and digital TV payment.It cost 6 million to register last year, but now the asking price is not low, 1000 million.

The second company is Rongcheng Mobao Payment Technology Co., Ltd., which obtained the license in March 10. Its business covers Internet payment and mobile phone payment. With a registered capital of 3 million, it has been losing money for 3900 consecutive years, and now its net assets are less than 3 million.The asking price is 3000 million. "

Zhang Yida's eyes lit up, this price can be won immediately, no need to bargain.Keep it in your hands for a few years, and the value will go up!
Zhang Yida stated:

"Priority is given to Rongcheng Magic Treasure. Internet payment and mobile payment are the future trends. The asking price is 8000 million, right! Go get in touch with them, quote the price, and try to lower it to 6000-7000 million.

Uncle, he has lost money for 3 consecutive years and is still so arrogant!

It's not that the country is not allowed to apply for a license now, but it's too time-consuming to apply, review and then issue.After getting the license plate, the day lily was cold.

You go to the bottom first, the lower the price, the better.At the same time, don't procrastinate, get it as soon as possible, so as not to have long nights and dreams. "

Lei Dongming nodded, expressing his understanding.At the same time, he was also very satisfied with Zhang Yida's trust in him, so he was rewarded with 10 stock options when he joined the company, and he also handed over the company's first acquisition to himself.

This acquisition case must be done beautifully!To prevent some people from always talking about themselves behind their backs, and getting a lot of options without making an inch of merit.

Zhang Yida has also heard some voices in the company questioning Lei Dongming. After all, other senior executives are veterans of entrepreneurship, and only Lei Dongming was airborne.

It is normal to have some private struggles within the company. Where there are people, there are rivers and lakes.As long as it does not affect the normal and healthy development of the company!

If anyone affects the development of the company, then I will show no mercy!
Now is the initial acceleration stage of my career, and many layouts and ideas must be based on the thriving growth of Ruixiang Technology.

No setbacks can be tolerated, otherwise the speed of development and potential will be limited, and the worst will be surpassed by competitors and latecomers.

Now there is no moat of its own business, no core security barriers.

So Zhang Yida didn't dare to be careless at all. Apart from attending classes at school every week, he just stared at the company.He is not envious of the wonderful entertainment life of other peers!

After all, the road of starting a business is chosen by himself, and he is not willing to go to the top to see the scenery!
(End of this chapter)