After Qi Xiaoming was called into the office by General Manager Yang Pengfei, he thought he was going to criticize himself again, but he didn't expect to hear him say something like this.
"What's the good news? Mr. Yang."
Qi Xiaoming asked curiously when he saw the smile on Yang Pengfei's face.
"Let me tell you! Our company has just received strategic investment.
Mr. Chen has already said that he is studying the latest promotion policy and will officially launch it soon.
Give your colleagues below a good boost and encourage them. If you persist for a few more days, the time to fight back will come."
Yang Pengfei swept away the decadence of the previous days and became much more energetic, and his words revealed a strong sense of confidence and confidence.
"Oh. Strategic investment? How much money has been raised?"
Seeing that Mr. Yang was so confident, Qi Xiaoming was very curious about the amount of financing, so he asked a little.
Yang Pengfei glanced at him and then said slowly: "It will be made public soon anyway, so it doesn't hurt to tell you. We have raised US$300 million, which is nearly 2 billion yuan when converted into RMB.
The investors are also well-established and are CITIC Industrial Investment Fund and China Merchants Group.
In addition, our company has signed tens of billions of contracts with CITIC Bank and China Merchants Bank behind them."
"Go ahead, you're so awesome!" Qi Xiaoming sighed, then asked curiously: "What does the tens of billions contract mean?"
"What do you think?" Yang Pengfei rolled his eyes at him and then said, "Think about it for a moment! We are an Internet financial company. What can we cooperate with banks on? Financial management? Transfers? It must be a loan."
"That means these two major banks have borrowed 10 billion yuan to lend us loans?"
Qi Xiaoming also reacted and said in great surprise.
"That's right! I heard that Mr. Zhang got really angry this time and said that he would teach these clowns who don't understand the rules of the industry and undermine the order of the industry a lesson."
Yang Pengfei crossed his legs and said with a smile. In his opinion, this should have been the case a long time ago.
Some time ago, their Yimin Dai Zhongyuan Province company was beaten down by other peers and used various tricks to steal customers.
He has been holding a breath in his heart, and he has long wanted to retaliate in kind, but due to the lack of orders from the headquarters and corresponding funds for activities, he has not taken any action.
"Mr. Zhang has personally checked in?" Qi Xiaoming asked.
"Isn't that right! Although Mr. Zhang is busy with official duties and has many things to do, he is very aware of the slightest disturbance below."
When Yang Pengfei mentioned Zhang Yida, his words were full of respect and admiration. After all, he had established such a big foundation at such a young age, so it was hard not to accept it.
"Mr. Yang, have you met Mr. Zhang? I saw a short Douyin video he posted some time ago. In the video, he was chatting and laughing with Bonima, Robin Lee and a group of other big guys."
"I must have seen it before! I went to Beijing for a meeting before, and Mr. Zhang even shook my hand cordially and gave me a few words of encouragement.
You must know that there were more than 20 provincial presidents who came here at that time, and the only ones who had this salary were me and a few other provincial presidents with outstanding performance."
Qi Xiaoming asked again: "Is Mr. Zhang really still a college student? I heard he is only 20 years old?"
Yang Pengfei nodded and said, "I'm about the same age as you, I was born in 1995."
"I was born in 1992." Qi Xiaoming corrected him. Then he sighed: "This man has to compare with others, and he has to throw away when comparing goods. He is also born in the 1990s, he is too good!"
"What's the use of envying others? You have to take action yourself.
Xiao Qi, I am still very optimistic about you. Work hard, our group is so big and there are many positions."
Qi Xiaoming nodded and said with firm eyes: "Yes, we need to take action. There is only one thing on my mind right now, and that is to achieve results and achieve results."
Yang Pengfei patted him on the shoulder and encouraged: "Then act quickly! Take stock of all the customers you are still following, and review more failed cases.
The policy will be released soon, and then it will be others' turn to envy you."
Qi Xiaoming walked out of Yang Pengfei's office with high morale and full of chicken blood.
Looking at his retreating back, Yang Pengfei smiled and said: "Who said it is difficult to manage people born in the 1990s? Management is about craftsmanship."
…
"Principal Yu, good morning!"
Looking at Qi Xiaoming pushing in the door, Principal Yu frowned and said:
"Mr. Qi, didn't I tell you some time ago? We are not considering cooperation with your company for the time being."
"Principal Yu, don't be anxious yet. You might as well listen to me explain the terms of our cooperation first. After listening, it's not too late for you to make a decision!"
Qi Xiaoming was very cheeky. After saying this, he found a seat and sat down. Then he took out a brochure from his handbag and handed it to Principal Yu.
Principal Yu took the brochure and pinched it. It was very thin, only a few pages, but the paper quality was very good, and it was obvious that some thought had been put into it.
Principal Yu unfolded the folded brochure, and the title on the homepage was "Yimindai has received 12 billion yuan in financing, and hereby gives great feedback to users and cooperative merchants."
"12 billion in financing, is it real or fake? How big is the scale of your Yimin loan?"
Principal Yu pursed his lips with a look of disbelief.
"Yes, the 12 billion yuan in financing consists of 2 billion in equity financing and 10 billion in debt financing.
These news can be searched online.
Principal Yu, please read on. There is a picture on the brochure. The picture shows our chairman, Mr. Zhang Yida, and two major investors, CITIC and China Merchants, signing an on-site contract."
After Principal Yu heard this, he looked down and found a picture of the signing ceremony.
In the picture, a handsome young man in a suit stands in the middle, his hands crossed and tightly holding the hands of two middle-aged men standing on the left and right sides of him.
Principal Yu didn't know Zhang Yida and asked: "The young man standing in the middle is your boss? So young? Is he reliable?"
"right.
If you have ambitions, you will not grow taller in years; if you have no ambitions, you will live a hundred years in vain.
Even though our boss is young, in addition to Yimin Dai, he also owns a U.S. listed company with a market value of tens of billions - Yimin Wangjin.
In addition, he also founded a series of companies such as Ruixiang and Huimin Bicycle.
He ranks 75th on the Forbes list, with a net worth of 16.2 billion."
When Qi Xiaoming saw that Principal Yu was questioning his boss, he quickly gave him some knowledge.
When Qi Xiaoming said this, Principal Yu was somewhat impressed. He had heard of such a number one person before, but he was not very impressed and did not immediately take his seat.
"Okay! I admit that Yimindai has the strength. But doing business is not just about these things. Mr. Qi, please tell me your conditions!"
Seeing that Principal Yu's attitude was no longer so tough, Qi Xiaoming began to say:
“Compared with other financial companies on the market, our Yimin Loan Company is undoubtedly stronger and has more cooperation advantages.
First of all, we cooperate with banks and can obtain lower-cost funds, so we can crush most companies on the market in terms of user interest.
This is also beneficial to Principal Yu and your training school.
Once you choose to cooperate with Yimindai, you will be able to provide education installment products with lower interest rates and more popular with users than other peers.
Secondly, our company is more willing to transfer profits to partners.
It turns out that the cooperation commission we give our partners is: 2% of the loan amount.
Now we can give you a three percent rebate."
Principal Yu silently pondered these words and asked after a long time: "Then what is the lowest interest rate you can give? Qiandu's interest rates are very sincere. The annualized interest rate of the installment products they provide is 16%-17%.
."
"We originally had an annual interest rate of 20%, but now we have adjusted it. The interest rate has dropped by 5 points, and the annual interest rate is 15%, which is definitely lower than Qiandu Money."
Qi Xiaoming has already found out that his company's interest rate is definitely the lowest in the industry, and he doesn't believe that these principals are not interested.
Principal Yu nodded, showed a satisfied smile, and asked: "Do you still have to pay the deposit?
You previously asked our training institution to pay a 10% or 20% deposit to the installment platform to ensure that students are truly here to learn.
Actually, I think this step is a bit redundant. Like Qiandu, you don’t have to pay.”
"Yes. We have also changed the rules, so you don't have to pay."
From Qi Xiaoming's perspective, he also felt that this deposit was a bit redundant and was very detrimental to his business development.
Now that the deposit is waived, he is sure to convince more principals of training institutions.
"Okay! Mr. Qi, since you are so sincere, then we will cooperate with you Yimindai!"
Qi Xiaoming quickly took out the contract from his bag and handed it to Principal Yu.
Principal Yu took it, looked at it, and asked: "Mr. Qi, your cooperation period is too long! It should start at least three years.
There is also liquidated damages, my dear, 10 million!"
Seeing Principal Yu's hesitation, Qi Xiaoming added fuel to the fire: "Principal Yu, there is no such thing as a free lunch. You should understand this sentence.
We offer the lowest interest rates and the highest cooperation commissions in the entire industry, hoping to have long-term cooperation with you.
In the field of education installment, no company can compete with us except Qiandu.
Even Qiandu cannot provide better cooperation conditions."
Principal Yu thought about it. The interest rate of 15% is the same as the interest rate for bank credit cards. It seems to be higher.
Taking into account bank capital costs, operating costs, and cooperation rebates, it is estimated that Yimin Dai will almost lose money and make a profit.
"Okay then! Just leave it like that!"
Principal Yu feels that the conditions are quite favorable. The educational installment products can help him recruit students, and the cooperation rebates are a considerable amount of income.
Finally, I happily signed the cooperation agreement.
Qi Xiaoming ended the cooperation signing and rushed to the next training institution.
"Principal Zhao, what era is this? Your school is still cooperating with an education installment platform that uses offline manual review.
How long does it take to review? How many hours or a day?
If you cooperate with Yimindai, students can fill it out directly in Yimindai’s APP. They can complete the application in 1 minute and get the review results in 10 seconds.”
"Principal Sun, the annual loan interest of 15% and the commission rebate of 3% are the greatest sincerity of our Yimin Dai."
…
Qi Xiaoming traveled between cities, relying on his excellent eloquence and company policies, mainly good company policies, to win the cooperation of one school after another.