Winning the new financial era

Chapter 60
Director Liu laughed and said:

"Brother Wang, you are indeed a smart person.

Then I will tell you the truth!What you said is all correct. The 3 registrations were all done by the machines we arranged.

Investment users are basically wool parties.

As far as your platform is concerned, the UI interface is also ugly, and there is no state-owned capital, venture capital stock, and with this background, no two people will really invest. "

Wang Qihang's hands and feet were icy cold, and he really guessed it right.

The 600 million advertising fee can basically be said to be in vain.

How should I explain to Mr. He?

Wang Qihang felt distressed, the advertising fee was wasted, and the performance didn't improve, so he guessed that he was almost at the end of his job as the director of operations.

Seeing Wang Qihang not speaking for a long time on the other end of the phone, Director Liu comforted him:

"Brother! You are also a businessman, and you have a background in promotion, and you know what the current Internet promotion industry is like.

If you don't use the amount, and don't add some fake amount, you can't make it through this day, can you?

These are small things that you don't need to worry about. "

Wang Qihang sighed and said:

"I know that the advertising promotion industry is very deep, but if your data is faked like this, I will definitely not be able to make a job. Maybe I will be kicked out in a short time!"

Director Liu laughed and said:

"Brother, what you said is serious.

The contract was signed by Mr. He, what does it have to do with you?
Even if the transformation effect is not good in the future, you Mr. He will only blame us Huasi.

It has nothing to do with you.You can rest assured. "

Wang Qihang sarcastically said:

"It's okay for you to deceive Xiaobai with your words, but don't play this trick in front of me.

The cooperation is carried out in multiple phases. As the operations director, I am responsible for the online operations and data analysis of the entire company.

Based on your data, the crime of "overseeing" will definitely not go away.

And I also encouraged Mr. He to cooperate with you for the second phase.

After the later things were exposed, it is estimated that Mr. He has the heart to kill me. "

Director Liu also stopped pretending and asked directly:

"Then why don't you tell me what you mean? We don't speak secret words in front of the wise.

Let's talk about it! "

Wang Qihang's hand holding the phone trembled slightly, his knuckles turned white, and he wished he could crush the phone.

With fierce eyes, he said viciously:

"Two ways!

First, you must ensure that the following data are all true.I just turned a blind eye to the previous data and passed it.

Second, I will resign from Mr. He now.It's better to leave early, lest the shit pot behind me be caught on my head. "

Director Liu is a little flustered, this is not okay!

You can't resign!You are gone, no one should cooperate with me inside and out.Then how to complete the task that Young Master Liang entrusted to me?
Director Liu took a deep breath and said, "Wait for me for half an hour. I will reply in half an hour."

Director Liu hung up the phone and went straight to Liang Weimin's office.

Liang Weimin saw the flustered expression of Director Liu who pushed the door in, and asked:

"What's the matter? In a panic.

How about Jingrui Fortune?It took so long to get 600 million advertising fees, so hurry up. "

Director Liu hurriedly reported and told Liang Weimin a series of things about Wang Qihang.

Liang Weimin was furious when he heard this, he slapped the table and stood up, with a fierce look in his eyes, and said:
"You tell him, or you can stay in Jingrui for me, and cooperate with us to finish the play.

Either I will expose his commercial bribery now and let him sit in prison. "

Director Liu was shocked after hearing this, his face turned pale, and he wiped the cold sweat from his forehead.If this matter gets out, he can't get away with being a briber!

As for Young Master Liang, what is his identity.If he is stabbed out, he will definitely be picked out, and he will be responsible for it all.

Director Liu persuaded: "Young Master Liang, you can't do this, it will hurt both sides!
And if you destroy Jingrui, the goal of destroying the He family will not be achieved.

Focus on the overall situation!
Our goal is to bring down the He family, so don't get angry with him. "

Liang Weimin thought for a while, and it was the same reason, so he asked:
"Then tell me, is there any good way?"

Director Liu began to think about it. When his own safety was at stake, his mind began to run rapidly.

Half a minute later, Director Liu thought of a way, and said with joy on his face:
"Money! Let's smash him to death with money!

The first time I offered him 5 yuan, he accepted it without much refusal.

This shows that he loves money, and he has no moral cleanliness.

The reason why he turned against us now is because he is afraid that we will make him lose his job.

As long as our money is in place, he would definitely rather lose his job and choose to cooperate with us. "

The corners of Liang Weimin's mouth raised slightly, and he said grandly:

"money is not the problem.

It doesn't matter if all the profits from this order are given to him.

However, you must cooperate with us, and you must empty out the He family. "

Director Liu nodded, took out his mobile phone and dialed Wang Qihang.

Director Liu said with a smile:

"Brother Wang! I will give you an answer now."

Speaking of this, Director Liu deliberately paused, listening to the rapid breathing on the other end of the phone, he knew that Wang Qihang's heart might not be calm at the moment.

After pausing for a few seconds, he continued:

"We choose the third way!"

Wang Qihang asked in surprise, "What is the third way?"

Director Liu continued to add:
"The third way is that we will give you 30% of the cooperative advertising fee we receive."

Wang Qihang asked in disbelief:

"30%?"

Director Liu said in a positive tone:

"Yes, it's 30%.

If you receive another 1000 million in advertising fees later, you will be given 300 million.

If you receive 3000 million advertising fees, you will get 900 million. "

Wang Qihang was stunned and didn't reply for a long time.

The heartbeat in the chest was very fast, and the breathing became a lot faster.He licked his dry lips and said:

"Let me think about it again!"

After saying this, the whole person was stunned.

He himself doesn't know how to say this?Shouldn't you agree immediately?
He is mainly a little scared, he dare not take such a high rebate!
After saying this, the whole person began to worry about gains and losses again.What if Huasi no longer cooperates in the future?So much money just missed?

Director Liu glanced at Liang Weimin, ready to ask him for instructions.

Liang Weimin raised his hand, gestured a "5", and nodded to Director Liu.

Director Liu swallowed his saliva, he was a little tempted, and continued:
"It's 50% at most. No matter how much, Huasi will have to give up cooperation."

Wang Qihang squinted his eyes, then opened them again, and said in a low voice:

"Okay, 50%, I agree."

After hanging up the phone, Director Liu asked Liang Weimin for credit:

"Young Master Liang, how is it? I'll get rid of him at 50%, leaving 20% ​​of our company's profits."

Liang Weimin said disdainfully:
"The 2000 million advertising fee is only 400 million profit, which is not enough for me to buy a car.

We don't want this money, throw it all away.Give me the data to be real, and you must not make He Shenghua suspicious. "

Director Liu nodded helplessly and said:

"Okay! I'll try to double the data again. Old He's advertisements are getting better and better, so he won't be suspicious."

Liang Weimin waved his hand and said:
"Okay, watch it!
After this matter is settled, you will be promoted to the general manager of the company. "

When Director Liu heard the excitement, he patted his chest and said:

"Young Master Liang, this matter is on my old Liu. I promise to make it beautiful for you. If it doesn't work out, I'll come to see you myself!"

Liang Weimin wanted to laugh a little, this old Liu is really old fritters!

Before asking him to do something, he was all kinds of twitchy, saying it was difficult to do, impossible, and all kinds of evasions.

Now he threw out the bait of the general manager, as well-behaved as a begging dog wagging its tail.

……

Yimin Financial Services.

Ding Siyao's office.

Zhang Yida came over today to check on the work progress and was asking Ding Siyao.

"I haven't been here for a long time, how is Yimin doing?" Zhang Yida asked with a smile.

Ding Siyao stroked her hair, revealing her beautiful face, smiled slightly, and said:
"Yimin Wealth has raised more than 10 billion yuan. Next, we plan to apply for a fund sales license and an insurance brokerage license to expand our business scope."

Zhang Yida scratched the back of his head, the development speed of Yimin's wealth was a bit beyond his imagination.Now start to lay out funds and insurance.

After thinking about it, I think it should be supported.So he said:
"I am in favor of the layout of funds and insurance. Yimin Wealth is now getting bigger and bigger, and there are more and more customers.

To meet the asset allocation services of different customers, our own business lines must also be vigorously improved. "

Ding Siyao nodded and said:
"Yes, there are more and more customers now, some like equity investment with high risk and high return, some like securities investment with medium risk and medium return, and some like insurance with low risk and low return.

Therefore, we need to equip a wide range of financial products for customers with different risk preferences to choose from. "

Zhang Yida thought that these two small financial licenses in later generations would have been priced at tens of millions or even hundreds of millions of dollars, and they could still apply for it now. In the future, the application threshold will be continuously raised, and the number of licenses issued will be reduced, so the price will naturally decrease. A rising tide lifts all boats.

So he said to Ding Siyao: "Then you go to apply! Apply first, and buy if you can't apply."

Ding Siyao said with a bitter smile: "How can we have the money to buy it now? If we can't apply, we can only temporarily put it on hold. I asked about buying a license. The transfer price of a national insurance brokerage license is 2000 million, and the fund sales license is 4000." Ten thousand.

If you buy both licenses, you need at least 6000 million.

Our Yimin Financial Services Group only has tens of millions of dollars left in its accounts, and the purchase of a license will completely drain the working capital. "

Zhang Yida has some headaches. Yimin Financial Services is burning too much money here. Currently, except for Yimin Wealth, which is able to break even, several other subsidiaries are losing money.

Zhang Yida then looked at the latest financial statement, full of emotions!

Yimin Financial Management has reduced its advertising investment, and is currently focusing on tapping the potential of existing users.

Although the cost of advertising has been greatly reduced, the continuously expanding operation team and the newly recruited customer service team of hundreds of people have greatly increased the labor cost.

The advertising expenditure is 300 million and the manpower expenditure is 500 million, which means a loss of at least 800 million per month.

As for the company's operating income, it is basically used as a sales expense subsidy to wealth management users.

Otherwise, relying on the 10%-16% fixed interest and not issuing red envelope investment coupons, it will not be able to attract users.

There is too much competition in the industry, and everyone is making money at a loss, or fighting for profit to snatch users.

In the case of Yimindai, it has only been online for a week, and a total of 1000 million loans have been issued.

It's not that I don't want to put more money out, but the main reason is that the risk of online customers is still too high.Chen Shaojie and his risk control team are still doing further data analysis.

Make further adjustments based on the results of data analysis to increase or decrease the scale of lending.

In short, there is no rush for Yimindai, so we can only deal with it slowly.

Don't think about making a profit for the time being, at least a few months of labor costs will be lost.

The risk control and product R&D team of more than 50 people has a monthly labor cost of more than 100 million.In other words, Yimindai lost more than 100 million per month.

As for Yimin Pratt & Whitney, at present, the two branches in Rongcheng and Beijing cost nearly 1000 million in the early stage to open.

At present, it is not profitable yet. A team of 2 people in two branches requires at least 300 million monthly manpower expenditure.

It will definitely not be profitable within a few months, because the team is still in the process of sharpening, and there will not be much performance at all.

In Zhang Yida's final calculation, the combined monthly losses of the four subsidiaries of Yimin Financial Services Group reached more than 4 million.

The cash reserve of the entire group is less than 5000 million.

But the situation is not dangerous, because the cash flow has been positive.

The monthly business scale is steadily increasing. Every time the cooperative loan company receives a sum of funds, it will transfer the interest of the funds for the next year or even two years.

This income alone has reached 2 million.

It's just that the 2 million will be distributed to every investor bit by bit in the next year or two.

Because it is not going to be distributed now, the money can be used.

Just like Goudong and their card supplier payments, Yimin Wealth Management can also use this account cycle to do something.

The simple understanding is to "eat more than enough food without money", spend this part of the income, and then fill this hole with the operating income later...

Until funds such as venture capital come in and drag the company out of the pit.

Or if several other subsidiaries are profitable, they can also fill in this pit.

It's just that the company has always had a certain amount of free cash, so Zhang Yida has never used this batch of money that has been confirmed for the next 1-2 years.

But with the 2 million in hand, Zhang Yida didn't panic anymore.

This is the user's interest money, just fill it back after misappropriating it.Anyway, it does not affect the distribution of user income. If the payment is in place on time, it will be fine, and it will not cause any pressure and negative effects on platform operations.

(End of this chapter)