After the completion of the transaction, Ruixiang Technology first returned the 200,000 that had been lent to the company to Zhang Yida.
Zhang Yida looked at the balance of 13.6 million in the account and didn't know what to do. 1.4 million of it was the loan that had been mortgaged for two properties before, or was borrowed without telling his parents. The other 12.2 million was the US$2.5 million obtained from selling 1% of the shares.
($2 million after tax) exchanged.
Pay off the loan when you get home for the Chinese New Year! I did this because I was afraid of insufficient funds to start a business for double insurance. Now that I have money, pay it off as soon as possible! After all, I did it without telling my parents, so it’s not a glorious thing.
One-tenth of the small goal set before starting the business has been completed, and 10 million was obtained.
Buy a car? Buy a house?
I definitely want to buy a car because it will be convenient for commuting from school to work.
A sports car is not a good choice. It is neither practical nor too high-profile. After all, I am still a student, and the company has just grown a little and has grown a little bit, so I will use the cash-out money to buy a multi-million sports car and give it to investors, including other outsiders.
The impression is not particularly good.
Investors invest money into the company, and the money given to you is for you to develop the company, not for your enjoyment.
Then buy a Panamera, which is less high-profile and more practical.
House? You definitely have to buy one. Forget about a villa, an ordinary house or apartment is fine. It’s best to be close to schools and companies.
There should be some money left over to start a P2P business. Although P2P companies will face liquidation and various negative effects in the future, business promotion now needs such a company to fill the business territory.
Renrenyoudai has just received US$130 million in Series A financing, setting the world’s largest single round of financing in the Internet finance industry. This news undoubtedly gave the market a shot in the arm. Until the regulatory measures in 2017, P2P was the market’s favorite.
It is highly sought after by capital, and the financing wave is getting higher and higher.
When running a P2P business, who should I look for to take care of it? I definitely need to temporarily focus my career on Ruixiang Technology, at least before the B round of financing.
You need to find someone you can control to take care of it. P2P is a double-edged sword. If you don't play well, you will be cut all over.
Based on my experience in my previous life and my familiarity with various regulatory policies, there is definitely no problem if I play by myself, and this plate is definitely under control.
Hey, Zhang Yida suddenly thought of a candidate.
Ding Siyao, the girl who applied for a house loan for herself. She graduated from Sichuan University of Finance and Economics, and her major was in the right field. More importantly, that girl’s drive to make progress impressed me. At the same time, she also had her own bottom line, and was not the kind of person who wanted to
The girl who has a good performance and casually fucks with customers.
Zhang Yida opened WeChat, found Ding Siyao’s WeChat, and sent a message:
"What are you doing? Are you interested in starting a business in the capital?"
The specific content of starting a business was not explained very clearly. Let’s wait and see Ding Siyao’s reaction first.
Ding Siyao had just finished applying for a loan for a client. She picked up her phone and saw this WeChat message.
Emei frowned slightly. She had a deep impression of Zhang Yida and was her first client. After placing an order with Zhang Yida and receiving a commission of 14,000 yuan, she was encouraged. The next two months of work were like cheating.
, passed countless tests, won the company's sales crown for 2 consecutive months, and received various honors and commissions with ease.
Now that Zhang Yida has made such an invitation, asking her to give up her monthly salary of tens of thousands of yuan and go to the capital to work hard in a strange city, she really can't give up.
He replied politely:
"Thank you, handsome man, for the invitation! I have a good job here in Chengdu. I have not thought about starting a business for the time being, and I lack relevant management experience and skills."
Zhang Yida was not discouraged when he saw this, and continued to ask on WeChat:
"How much salary can you get in Chengdu now? How long will it take to buy a house?"
Ding Siyao replied again:
"I can now earn 30,000 yuan a month, and our company is the best in sales. I expect to be able to buy a house in Chengdu in another three years of hard work."
Zhang Yida laughed, feeling interesting, and typed again:
"Based on the current monthly salary of 30,000 yuan, you can earn 1.08 million yuan in three years. But in three years, the house price in Chengdu should rise to 20,000 per square meter. Is your salary rising faster, or the house price rising faster?"
Ding Siyao was a little unhappy, what was wrong with my mother? She asked jokingly:
"Then when I go to the capital and start a business with Mr. Zhang, how much salary can I get? Can I still buy a house in the capital in three years? Then please take care of the little girl, Mr. Zhang."
Zhang Yida was not angry and continued to reply:
"Buying a house in three years? If it doesn't take that long, as soon as next year, or as slowly as the year after, you can get a house in Beijing through your own efforts."
Ding Siyao looked at the messages on her phone, shook her head, smiled, and continued:
"Master Zhang, my family is not as big as yours. Coming from a rural area, I don't have so many opportunities for trial and error. My biggest dream is to buy an apartment in the city and bring my parents to the city to enjoy happiness.
You want me to give up all my foundation now and go to the capital with you to start a business. If the business fails, you go back to school to continue studying and continue to be your wealthy son. I muttered? What should I do? "
Zhang Yida felt that this girl was still under too much pressure and was eager to get ahead. Buying an apartment and settling down in a big city has almost become an obsession.
This is also the dream and pursuit of many young people today. Only by having their own house in a big city can they have a place to settle down and live, and can they have a home and sustenance.
Houses have also killed the dreams and pursuits of many young people. If you work hard and work hard at your job, don’t you just want a house? Poems and distant places, just go to sleep. Realists should be calmer.
After thinking for a moment, Zhang Yida decided to give this girl a chance. Whether she can catch it or not depends on her own choice. He typed:
"I am planning to set up a P2P online lending company in Beijing, connecting investors on one end and borrowers on the other.
You don’t have to worry about early investors. Another company under my umbrella will help attract traffic and will also bring in some operational experts to assist you.
You are mainly responsible for borrowers and you have done loans, so I think you are more suitable.
The basic salary is set at 50,000 per month, and if you do well, you will be given a bonus at the end of the year. The bonus will not be lower than your basic salary.
In addition, you can also give up the high salary and get a monthly salary of 10,000, but give you 5% of the company shares.
By the way, the initial investment of the company is around 6 million, you can consider it.
There’s no need to rush to answer me, you can search for information about me and Jingcheng Ruixiang Technology on Qiandu before you consider it.”
After saying that, Zhang Yida didn't speak any more. He just saw that you were pretty and couldn't bear to put you under so much pressure, so he worked so hard to give you a chance. Whether you get in the car or not is up to you!
On the other side, Ding Siyao was a little confused. The amount of information sent by Zhang Yida was too large.
I quickly took out my mobile phone and looked up what P2P online lending is.
P2P online lending refers to direct lending between individuals through the Internet platform. It is a subcategory of the Internet financial industry. It originated in the United Kingdom in 2005 and then spread to China. It is an imported product. In 2007, the first domestic loan was born
The platform Paishoudai has received US$25 million in Series A financing from Blackshirt Capital last year in 2012.
This month, the Renrenyoudai platform also received US$130 million in Series A financing, jointly invested by institutions such as Zhaiai Capital and Penguin Industry Win-Win Fund.
Ding Siyao also studied finance, and she immediately understood the operating principles of the platform. One end absorbs investor funds, and the other end issues loans, earns interest spreads and various service fees.
In addition, various types of capital continue to invest in the Internet finance industry, which also shows their optimistic attitude. As an emerging industry, it does have unlimited potential.
Ding Siyao was a little moved. She felt that she really had more potential than being a loan salesperson. Even if she didn't make much money for a while, if she did it, there would always be a chance.
Then I searched for Zhang Yida and Ruixiang Technology, and a large number of news reports appeared.
"Ruixiang Technology, founded by 18-year-old entrepreneurial pioneer Zhang Yida, received US$50 million in Series A financing within two months of its establishment."
“Internet financial upstart Ruixiang Technology’s software has nearly 10 million registered users, with a valuation of US$250 million.”
It's all reports like this.
Ding Siyao was a little surprised. He read all the news one after another, and generally had a more detailed understanding of Ruixiang Technology and Zhang Yida.
"The investors he mentioned in his subsidiary companies should be referring to Ruixiang Technology! It holds tens of millions of Internet financial traffic."
Ding Siyao said secretly.
After thinking for a while, I noticed a detail. Ruixiang Technology was founded less than 2 months ago, probably in October. The startup capital was one million. Could it be the more than one million used to mortgage the two houses?
Thinking of this, Ding Siyao felt particularly incredible.
Unfortunately, at first I thought he was a rich man who used the mortgaged house to spend all kinds of extravagant money.
Unexpectedly, this is how he got his first pot of gold in starting a business?
In 2 months, he founded a mutual fund company with a valuation of US$250 million. Are 18-year-old kids so awesome now?
Ding Siyao is a little confused now. If she hadn't searched for this information before, she would have scorned the conditions proposed by Zhang Yida. A little brat still deceived her sister.
But now after searching for information and understanding the real situation, I feel a little moved but also a little worried.
The idea is to go to a big city like Beijing and work on a high-end Internet financial project, with a high salary and even shares.
I was worried that I would not be able to complete the project well if I went to Beijing. If the project failed, I would lose everything. At the same time, I also gave up the position in Chengdu with a monthly salary of 30,000 yuan.
It was so difficult to make a choice. Ding Siyao felt that she needed to calm down. Think clearly before giving an answer. She agreed rashly and was not responsible for herself or the other party.
Reply to Zhang Yida on WeChat:
"Director Zhang, please give me 2 days, I will think about it carefully and give you an answer as soon as possible.
In addition, are you sure you choose me to be the person in charge of the asset side? I'm afraid that I don't have enough experience and can't do it well, which will also delay your project."
Zhang Yida looked at it and smiled. It seemed that he had searched for reports about himself on the Internet. Just now he was called Mr. Zhang, and now he is called Director Zhang.
replied:
"Okay, think about it carefully! Once you've thought about it, call me!
In addition, I like you very much as the person in charge of the asset side. If you have no experience, we can learn slowly. The main thing is that you must have a diligent and motivated heart.