Back home, when the family was having lunch at the dining table, Zhang Qinghua couldn't help but ask again.
"Who? Liu Yonghao? The one who sells feed?"
Liu Yonghao was famous in Sichuan and Sichuan. Xia Xiaorong was a little surprised and asked.
"We met on the plane! I originally wanted to chat with him about the development situation and trends of the feed industry.
As a result, he saw that I was extremely talented and talented in business, and as we were chatting, he suddenly wanted to invite me to open a bank together."
Zhang Yida replied calmly while picking up vegetables. After speaking, he pretended to glance at his father casually.
Zhang Qinghua's old face was slightly red, and he thought to himself, is there anyone who is so rude to me? I just want to celebrate the Chinese New Year and make everyone happy!
Then he heard the word "bank" again. Zhang Qinghua's eyes widened. He looked at Zhang Yida and said in surprise:
"Open... a bank? Should you invest in a city commercial bank or start a new private bank?"
"Private bank. When people ask your son what he does in the future, just tell him he runs a bank.
From now on, our family will also be a wealthy family with a bank."
Zhang Yida is quite proud of himself. His relatives in his hometown don’t understand anything and often say that Ruixiang is a loan shark...
Not only relatives back home, but also some prejudiced people in society view Ruixiang this way.
Even if Ruixiang's lending interest is the highest, the daily interest rate is 0.6%, which is equivalent to an annual interest rate of 21.9%.
They also think this interest rate is usurious because the bank's annual interest rate is only a few percent.
Zhang Yida really wants to criticize these people. If you mortgage your house to me, I can give you a certain percentage of interest.
Consumer finance business, such as bank credit cards, including various penalty interests, late payment fees, and compound interest, is only higher than Ruixiang.
However, since a bank has a big brand, people are more willing to trust the bank.
Therefore, Zhang Yida plans to set up a bank to clear his name and at the same time make Ruixiang's development smoother.
"Do you want to open a private bank? Is it like Minsheng Bank?"
Zhang Qinghua asked, in his opinion, the bank does not open just as soon as it is opened. There are various procedures, capital contributions...many issues, and he has to take care of them for his son.
Zhang Yida knew that his father had always been a cautious person, so he simply said what he said to Liu Yonghao on the plane again.
"For 29.5% of the shares, your company will get several hundred million, right? Do you still have enough funds?"
Zhang Qinghua expressed concern.
"Small problem, most of the more than 9 billion raised last year has not been touched, and the company still made a profit of more than 700 million.
If it doesn’t work, just continue to raise funds.”
Zhang Yida felt that if he didn't continue to spend money on mobile payment, Ruixiang would not be able to spend all of his money, and he would be able to make up for it by investing in the bank.
"I heard from the second aunt next door that a company sent out 600 million red envelopes during the Spring Festival Gala yesterday, and she received more than 10 yuan. The software is called Toulonghui. Is it your company?"
Seeing that her son actually nodded and admitted, Xia Xiaorong began to scold her son again:
"I said, you kid, why do you spend so much money when you have it?
We also distributed 600 million red envelopes to people across the country. Did your money come from the strong wind?
I still remember when I was a kid, I gave you 10 yuan as pocket money every day, but you couldn’t bear to use it to buy snacks, so you kept it all in your piggy bank..."
"I didn't use all of it to buy fireworks afterwards! I set off all the fireworks worth more than 1,000 yuan by myself, and it took several hours to set them off. It was so cool!"
Zhang Yida added something in his mind but did not dare to say it out loud.
"It's not just 600 million! He gave out another 215 million red envelopes for collecting five blessings."
Zhang Qinghua added another blow, which was regarded as revenge. He happily watched his wife educating his son.
"What? More than 800 million? Zhang Qinghua, your son really needs to take good care of it.
He doesn’t understand the hardships of starting a business! He will suffer the consequences in the future.
We were running a feed factory at that time! We borrowed money from all our relatives and friends, and even got a loan from a bank.
I wish I could break a penny in half and spend it..."
Xia Xiaorong began to tell the story of her couple's hardships in starting a business. Zhang Yida had grown up listening to these stories since he was a child, and he had already developed an immunity.
When I was a kid, I failed in my exams. My mother told the same story. It’s not easy for your parents to make money! It’s not easy for you to study!
It’s the same story of disobedience and getting into trouble.
This set of stories can be called the growth bible that has accompanied Zhang Yida for twenty years.
If mom wants to talk, let her do it! Zhang Yida didn’t interrupt and just went to eat his own food.
"Actually! His more than 800 million was well spent! People on the Internet said that he made a lot of money from this deal, at least 8 billion..."
Zhang Qinghua saw that the heat was almost over, and it was time to come out and clean up the mess. Usually when he had nothing to do, he would search and follow news about his son on the Internet.
The Spring Festival Gala red envelopes and the Five Fortune Collection activities have also been interpreted by some Internet celebrities. More than 800 million yuan has brought more than 80 million new users, and the customer acquisition cost is as low as 10 yuan.
Judging from the current average customer acquisition cost in the Internet industry of hundreds of yuan, more than 80 million new users will cost more than 8 billion.
Ruixiang made a lot of money from this deal.
After telling all this to Xia Xiaorong, Xia Xiaorong looked better now and gave her husband a reproachful look, meaning why didn't you tell me earlier? I scolded my son until he couldn't speak.
Zhang Qinghua smiled in his heart. If I had told him earlier, how could I watch the drama of Yan Mu's training?
"By the way, I sold some shares of Yimin Net Financial some time ago and cashed out more than 900 million.
Dad, aren’t you going to expand your territory next? I’ll give you 500 million.”
Is there such a good thing? Zhang Qinghua was overjoyed. He also wanted to do something big!
The Dogford dog food brand has slowly been established, and the sales model has been figured out, but it is short of money to expand its scale.
Seeing her husband's success, Xia Xiaorong knew that he wanted to accept the 500 million from her son. She glared at her husband fiercely and said to Zhang Yida:
"Son! You should keep that money for yourself! You have dozens of companies. If something urgent happens and you need money, you can still pay it.
You don’t have to worry about me and your dad, we have money, the dog food factory made more than 80 million this year, it’s enough to build two more factories.”
"Yes! Keep it for yourself for emergencies! You have plenty of money."
Zhang Qinghua was glared at by his wife and immediately responded.
"No need. I'm short of money and can just look for venture capital. Yimin Wangjin will be listed in the second half of this year, and I may have to cash out by then. I'm not short of money at all."
Zhang Yida pretended to be wealthy. It is not easy to honor parents these days.
"You want to go public? So soon? How long have you been starting a business? It's less than two years. You don't meet the conditions!"
Zhang Qinghua was surprised at first, and then shook his head repeatedly.
"Go to the United States, where conditions are low and you can get up if the market value is high."
Zhang Yida explained.
"When you founded Ruixiang, you invested one million. This 500 million will be considered as withdrawal dividends."
Seeing that his parents were determined not to accept the money, Zhang Yida persuaded them from another angle.
Xia Xiaorong glanced at Zhang Qinghua and voted one million, why didn't I know about this?
It’s over, you’re cheating! Zhang Qinghua glared at his son and began to say:
"By the way, County Magistrate G is coming to our house this afternoon, and he probably wants to talk to you about repaying your hometown.
Let me give you a vaccination first, and see if there are any industries suitable for development in your hometown?"
"Let's talk about one million first. Didn't County Magistrate G come just this afternoon? What's the rush?"
Xia Xiaorong tilted her head and looked at Zhang Qinghua with a half-smile.
Oops! Failed to change the topic! Zhang Qinghua smiled and said to his wife:
“I did this with great pains! I wanted to provide my son with a valuable opportunity to start a business.
Look, isn’t this a success?
Without my one million dollars, would my son be able to achieve such great success?"
"I didn't say I couldn't invest money in him. But why don't you discuss it with me?"
Seeing his wife speaking so righteously, Zhang Qinghua thought to himself: "Can I tell you? It's already out of the question."
"Hey, blame me. I happened to be busy opening a dog food factory at that time. When I was busy with work, I forgot to tell you."
Zhang Qinghua slapped his head and said with a look of regret.
"That's right, I told dad and asked him to tell you about it, but he probably forgot about it later."
The basket that Zhang Yida poked out still had to be helped by Dad to carry it.
"Okay, okay! Let's not talk about this anymore. Let's talk about what County Magistrate G is coming to do this afternoon!"
Xia Xiaorong also knew that there was not much point in asking about this matter now. The money was spent on her son anyway.
…
"Here is County Magistrate G? Please take a seat!"
In the afternoon, County Magistrate G and his secretary came to Zhang Yida's home. Xia Xiaorong quickly brought plates of fruits and greeted them warmly.
Zhang Yida shook hands with County Magistrate G and his secretary warmly. County Magistrate G said with a smile:
"I have known for a long time that there is a young hero in our Jinyu County, and today I finally have the opportunity to visit him.
"County Magistrate G, it's serious. It's my turn to visit you. I just got home today and I wanted to visit you in a few days."
Zhang Yida's size is just right, neither too close nor too distant.
At noon, Zhang Qinghua gave him a general introduction to the situation of this parent officer.
As a major taxpayer in the county, Zhang Qinghua is familiar with County Magistrate G, but his friendship is not deep.
After chatting for a while, County Magistrate G said:
"Yida, you are a business tycoon. Our county's economy has been struggling. Can you give me some advice?"
"Haha, I can't talk about giving advice. I mainly work on the Internet and am not very familiar with agriculture and industry."
Zhang Yida is not being modest, he really doesn’t understand, so he doesn’t talk nonsense if he doesn’t understand.
"It's okay, let's all communicate! Speak freely."
County Magistrate G did not put on any airs. He knew that Zhang Yida's business strength was very strong, and he, a small county magistrate, might not be able to appreciate it.
"Then let me tell you. The pillar industry of our county is still agriculture. The fact that agriculture is the main industry is basically determined by the geographical environment. There is nothing unshakable about this."
Seeing County Magistrate G nod, Zhang Yida continued:
“The advantage is that it is relatively close to the provincial capital, so we can build tourist agriculture and farmhouses!
In addition, our county also has historical and cultural monuments. As one of the Eight Pillars of Central Sichuan, our Yunding Stone City was the front line against the Yuan soldiers during the Southern Song Dynasty, and is as famous as the Diaoyu City where Meng Ge Khan was killed.
Yunding Stone City has ruins of ancient city walls and gun towers...
It’s still possible to create a small tourist attraction…”
County Magistrate G nodded. He thought what Zhang Yida said was quite good. He didn't try to make too big a deal, and what he said was relatively practical.
So he said:
"Yida, I heard that you are also studying history. You come to make Yunding Stone City a cultural tourism project. What do you think?
We have such wonderful historical and cultural monuments in Jinyu County, and it would be a great pity not to build them properly!"