Winning the new financial era

Chapter 310 Want to Hug Rice's Thigh
"Yida, I heard that you just bought a building, congratulations!"

Zhang Yida was also a little curious, why did Hu Gang think of calling himself.

"Brother Gang, thank you for the flower basket!"

A few days ago, for Ruixiang's housewarming, Handing Group also sent flower baskets, but neither Hu Gang nor Wang Xiaojie were present in person.Zhang Yida hadn't seen these two for a long time, so he didn't know what they were doing recently.

"The current momentum of Ruixiang Group is even higher than last year."

Hu Gang was also very emotional in his heart, he could afford 30 billion to buy a building, and Ruixiang Group had really grown up.

He now has a headache when he hears the figure of 30 billion. Others' 30 billion bought the building, and his own 30 billion has brought in hundreds of millions of zombie registered users.

"Yida, I want to ask you a favor!"

Zhang Yida's heart tightened, he was most afraid of hearing such words.It's almost like ordinary people hearing that a friend wants to borrow money.

"Brother Gang, you don't have to be so polite, I will help if I can."

"Jiandaibei has encountered some difficulties now. You are an expert on the Internet. I would like to ask you to help point out the way!"

It's not enough to borrow money, Zhang Yida's heart is in his stomach.

"Is it because of Guotiao?"

Hu Gang's face was a little ugly, and he said after a long while, "You also heard about it?"

"Eh... After all, there are so many media reports, I have heard about it~ I have heard about it."

"Actually, this matter, we were also taken advantage of by criminals after we borrowed money, and we are also victims."

"I understand. The society is like this now. The forest is big and there are all kinds of birds."

Hu Gang didn't know whether Zhang Yida had listened to his explanation, and he couldn't care less about it now.

"Yida, you were there when we signed VAM last year. At that time, VAM required us to reach 8000 million daily active users, but looking at it now, I guess we can't finish it..."

Hu Gang spoke in a softer voice, with a trace of resentment.

Zhang Yida was taken aback. I didn't force you to sign this. Although VAM is a good idea I came up with, but if you can't make it, you can't blame me, can you?
"Brother Gang, I don't know what you mean..."

"You have created so many popular apps, can you give me two tricks? It doesn't take much, just let us complete 8000 million daily active users.

In addition, after the matter is completed, I will personally give you 20% of the shares of Loan Bei! "

A big gift of tens of billions!According to the current valuation of 525 billion yuan, which is a bit illusory, 20% of the shares are 105 billion.

But is Zhang Yida so easy to buy?

Zhang Yida sighed, "Brother Gang, I appreciate your kindness. Of all the companies under my umbrella, only Ruixiang can reach 8000 million daily active users.

I'm afraid I'm going to live up to your expectations!Because I can't give you any good tricks. "

Hu Gang was a little disappointed. He even took out "tens of billions" of shares as a thank-you gift, but he couldn't come up with any coups from Zhang Yida.

It seems that the bet is lost.Counting the 15% premium repurchase, there will be another loss of 3.75 million.

"Yida, why do you think I foolishly agreed to this obviously impossible bet?"

"Judging from the hot scene at that time, there is a chance for borrowing Bei to complete this bet.

But who would have thought that the user would uninstall the app after taking the reward?
To me, the content and service packages of APP still haven’t kept up.

However, the information of your hundreds of millions of users is not considered a loss. If you think of other ways, you still have a chance to earn back. "

Hu Gang felt that he was still too inflated at the time, and called out a pre-money valuation of 500 billion for Lender Bei.

Burning money, burning out the feathers of this place!

"Yida, I'll sell you the loan, do you want it?" Hu Gang said suddenly.

Zhang Yida froze for a moment, what am I doing!At least 5% of your hundreds of millions of users are guided to you by us.

Overlapping users, at least as high as 50%.I have something to use?Learn from you to put notes, and be educated by various public opinions in turn?
"Brother Gang, you're kidding, I can't afford more than 500 billion yuan."

"You don't need 500 billion. I'll sell it to you for 50 billion. We have more than 1 million users. It costs less than 30 yuan per user, which is very cost-effective."

"The main reason is that it is useless for us to buy it. The board of directors will definitely not agree."

Zhang Yida cursed inwardly, it's all over, and he wants to sell it for 50 billion yuan, but I won't even buy 5 million yuan.

"What about 35 billion? We don't make money either, just get back the promotion costs.

If the loan falls into your hands, it should be able to play a greater role.

Didn’t you buy a Two-dimensional website Bilibili recently?I heard that the broken website is worth 10 billion US dollars.

A loan worth even half of it? "

Zhang Yida smiled wryly, I can't answer your words!
With a market value of tens of billions of dollars in the future, they will not even be able to go public after borrowing. This is a big gap, okay?

"Brother Gang, there is really no acquisition value for us on loan.

I'm not saying that borrowing money is worthless, but for us, it can't play a complementary role in business.

Peer-to-peer lending is the kind of loan, such as Yimin Wangjin and Ruimin Wealth Management. "

Hu Gang also somewhat understood what Zhang Yida meant, but he didn't like the loan, and 35 billion was too expensive.

"Okay! I'll think of a way myself!"

After hanging up the phone, Hu Gang decided that from now on, after borrowing money, he would stop promotion in an all-round way and start profitable projects.Regardless of other things, at least get back the investment cost of more than 30 billion first.

"Mr. Hu, are you looking for me?" Wang Lu walked into Hu Gang's office.

"I think the overdue management fee you mentioned last time is a bit low, so you should increase it a bit?"

Wang Lu thought for a while and said, "Well, let's change the system so that the overdue management fee will be added according to the increase in the overdue time, up to 30% of the principal."

"By the way, there are still people urging, how many registered collectors are there now?"

Wang Lu replied, "There are more than 30 people."

"I remember that this product is to put the information of overdue customers on the Internet, and anyone can remind them, and if they come back, the loan will be considered as a commission, right?"

"Yes." Wang Lu nodded, "This product can be regarded as lowering the entry threshold for collectors, calling on the whole people to participate in the action against Lao Lai, and it can be regarded as a great contribution to the joint construction of a credit society."

"Okay, stop chanting these empty slogans! Grab all these projects and try to make some profit first."

……

Chuanshu Xingwang Bank was officially approved by the China Banking Regulatory Commission, becoming the seventh private bank in China to be approved for establishment.

Recently, Xingwang Bank was approved to be established as a hot spot on the Internet, that is, the third Internet bank of WeBank and MYbank was born.

The first to fourth largest shareholders of Xingwang Bank are Xinwang Group, Ruixiang, Rice and Heiqi Chain respectively.

Both Xinwang and Heiqi are local A-share listed companies in Sichuan and Sichuan, while Ruixiang and Rice are super unicorn companies with a valuation of tens of billions of dollars.

Under the strong alliance, the outside world is very curious whether Xingwang Bank has a chance to surpass the established WeBank and MYbank.

Inside a private club in Beijing.

A banquet was going on, and there were only four people sitting at the big round table, namely Liu Yonghao, Zhang Yida, Lei Jun and Cao Shiru.

"Come on, let's have a cup to celebrate that our Xingwang Bank has finally been officially approved for establishment."

Liu Yonghao stood up, raised his wine glass and congratulated loudly.

"Mr. Liu, the bank was approved, and you contributed a lot to it. We should respect you for this cup."

What Lei Jun said is correct. As a major shareholder, Liu Yonghao has indeed contributed more.

Zhang Yida also agreed with Lei Jun, "Yes, Mr. Liu, we respect you with this cup."

Liu Yonghao waved his hand, "We are all partners, so don't be so polite."

"After the bank is approved, a large number of software engineers and financial technology R&D engineers are needed in the next preparation process.

In this regard, Yida and Mr. Lei are the only ones who support you.

The senior talents of Xinwang Group are all engaged in biotechnology research and development. "

"There is no problem at all. Rice Group can transfer a team of people to join Xingwang Bank at any time."

Lei Jun expressed his attitude with a smile, and Zhang Yida also expressed his attitude: "Ruixiang is fine."

"Yida, I heard that Ruixiang also invested in Jincheng Xiaojin?" Liu Yonghao asked.

"Yes, this is also a layout for licensed consumer finance."

Lei Jun smiled and said, "Ruixiang is silent, and has collected all the domestic financial licenses.

Bank-securities basic insurance, consumer finance, payment, online small loans, fund sales, insurance brokerage, insurance agency, financing guarantee..."

"One trust license is missing!" Cao Shiru added.

Seeing several bigwigs reviewing their financial licenses, Zhang Yida laughed and said, "Rui Xiang is engaged in the financial industry, so the license must be obtained!

Sister Cao is right, she still needs a trust license.There are only 68 in the whole country, but I really want them. Seniors, if you have resources, let me introduce them! "

"Trust licenses are too rare, and transactions rarely flow out." Liu Yonghao said again: "As long as you are patient, you can still come across them every few years."

"Don't force it, just let it be!"

"You have a good mentality! Let nature take its course!"

Lei Jun asked again: "I heard that Ruixiang has invested in Transsion mobile phones?"

"Yes, we plan to develop in the African market."

Cao Shiru praised: "Yida, your business has gone to Africa? It's really amazing. The black flag chain didn't even break out of Sichuan and Sichuan provinces!"

"Africa to promote mobile payment?"

Seeing Mr. Lei seemed very interested, Zhang Yida explained: "Because of wars and diseases in Africa, few countries are suitable for promoting mobile payment.

We just planted a flag in the past and tasted it. "

"Pre-installed software?"

Zhang Yida nodded to admit that Lei Jun was engaged in mobile phones, and the cooperative promotion here was very clear.

"Rice is doing very well in India. Factories have been opened in India. Many Indians think that rice is their domestic mobile phone."

Zhang Yida brought the topic up again to Lei Jun, who laughed and said, "Isn't Ruixiang also a mobile payment company in India? Do you want to cooperate with Rice?"

"Compared with pre-installed software, I want to establish an Indian joint venture financial company with Rice."

Zhang Yida was very envious of the installed capacity of Rice in India, and Rice had a very good reputation in India, so he was so fascinated that Ah San almost didn't want it.

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(End of this chapter)