Several Yi'an Insurance shareholders who were present with Cheng Xiangjun kept thinking about this word in their hearts, and all of them frowned.
After all, Zhang Yida is also a businessman. They guessed that the so-called "sincerity" is nothing more than profit.
Zhang Yida is so generous. He wants to put Yi'an Insurance on the TouRonghui sales list and lower the cooperation rate. What is he trying to do?
The sense of responsibility of major shareholders? This is nonsense.
Although Ruixiang is the major shareholder, it only holds 15% of the company's shares.
If you only hold such a small amount of shares, you don't have to work so hard.
Everyone vaguely guessed Zhang Yida's plot. One shareholder asked Zhang Yida tentatively: "Mr. Zhang, I don't know how to show this sincerity? Please make it clear."
Zhang Yida smiled and said: "Let me talk about Ruixiang's insurance supermarket, one of the seven major financial supermarkets, and Diandian Mutual Aid!
Insurance Supermarket was established by Ruixiang last year. Today, more than 100 million users have used this service and have policy purchase records.
At present, the average daily policy transaction volume of the insurance supermarket has exceeded 1 million."
"100 million people? 1 million orders? That many?"
A shareholder of Yi'an Insurance questioned aloud, and others looked at Zhang Yida with doubts on their faces.
Zhang Yida scratched his eyebrows and said: "These policies are not all the big orders you imagined, with annual premiums of tens of thousands of yuan for life insurance and critical illness insurance.
Most of them are consumer insurance and accident insurance, with annual premiums of tens or hundreds of yuan."
“This kind of small order is not very profitable!” commented a shareholder.
Zhang Yida looked at him and replied: "Yes, the profit is not big. But our customer base is mainly those born in the 80s and 90s, who are the natives of the Internet.
What is Ruixiang doing? Cultivating their insurance purchasing habits.
The amount of consumer insurance is not large, but it can be regarded as the first step for users to purchase Internet insurance. The next thing to consider is further conversion and guidance.
Slowly guide users from small-amount consumer insurance to large-amount critical illness insurance and life insurance.
In addition, policy sales will not be particularly frequent, and many users may only buy large amounts of insurance a few times in their lives.
Because the amount is huge, many users need to hesitate and consider repeatedly.
If Yi'an Insurance wants to cut into the big pie of critical illness and life insurance, it must first build trust among users bit by bit.
In cooperation with Ruixiang, we will start with small insurance categories such as consumer insurance, accident insurance, and travel insurance. Once we have a certain foundation, we will add other insurance categories."
Several shareholders nodded repeatedly, and what they said were all mature words. They were not ambitious at all, and they sounded quite feasible.
Zhang Yida went on to introduce: "Diandianchou is a serious disease crowdfunding website owned by Ruixiang, with currently more than 50 million users.
Diandianbao is the insurance brokerage brand of Diandianchou, which is responsible for monetizing the precise insurance traffic diverted by Diandianchou.
Just the opposite of insurance and financial supermarkets, Diandianbao’s main focus is critical illness insurance and various life insurances.”
Speaking of this, Zhang Yida emphasized his tone: "Why is this happening? This is determined by the content of the platform.
There are all kinds of human tragedies on Diandianchou every day. The more users see it, the less confident they are in their bodies, and they start to consider configuring a critical illness insurance to give themselves more protection.
Therefore, Diandianbao’s critical illness insurance is selling very well, and its business growth rate is almost doubling every month.”
After finishing speaking, Zhang Yida spread his hands and said with a smile: "If I'm not careful, I'll go off topic too much. Let's go back to the original question - sincerity."
"Okay. Mr. Zhang, we know Ruixiang's sincerity. Tell us what you want? Or what do we have to pay?"
Cheng Xiangjun was also impressed by Rui Xiang's strength and asked Zhang Yida very straightforwardly.
"Yes! Mr. Zhang, we deeply admire the strength shown by Ruixiang. Just tell us, how can we cooperate?"
"Yourui has always been in charge of the work of Yi'an Insurance, and I support it with both hands."
"Yes, I support it too!"
Seeing the strength that Rui Xiangjie has shown, other shareholders also agreed.
"Okay, let me tell you the truth! If Ruixiang wants to help Yi'an Insurance get started, it will cost a lot.
So we need a certain return, and Ruixiang will become the controlling shareholder of Yi'an Insurance in three years."
As soon as Zhang Yida finished speaking, everyone fell silent. Several small shareholders turned their attention to Cheng Xiangjun.
The companies they represent are all small shareholders, and the one with the largest shares is Yinzijie Group, which, like Ruixiang, has 15% of the shares, and is tied for the largest shareholder.
As long as Yi'an Insurance develops well, the small shareholders don't care who will be the major shareholder or even the controlling shareholder.
They are financial investors in the first place, purely trying to make money. They do not have the power to run and manage the company on a day-to-day basis.
Be it Rui Xiang or Yin Zijie, they will support whoever can make them rich.
Although they recognized Ruixiang's strength, several shareholders were afraid of offending Cheng Xiangjun and did not express their stance easily. They were prepared to wait and see Cheng Xiangjun's reaction.
Cheng Xiangjun was also very torn. On the one hand, he hoped to obtain Ruixiang's huge traffic, but on the other hand, he was reluctant to lose his position as the major shareholder.
Seeing the changing expression on Cheng Xiangjun's face, Zhang Yida knew that the big boss was weighing the pros and cons.
From his past life, this big boss frequently took advantage of Internet financial hot spots, and it can be seen that he is a person who values profits over fame.
Zhang Yida was ready to add fuel to the fire and said: "Yu Rui has always managed Yi'an Insurance, and he will definitely give everyone here a satisfactory return in three years' time.
At present, Yi'an Insurance's paid-in capital is 1 billion yuan, which can be regarded as 1 billion yuan in net assets.
Three years later, I promise to achieve a net worth of 5 billion yuan.
If it fails, Ruixiang will give up becoming the controlling shareholder and renegotiate the company's management rights at that time."
The eyes of several small shareholders lit up, this is not bad! A return of five times in three years.
Although they are all tempted, they know that the statements of themselves and others will not have much effect. The key lies in Yin Zijie's attitude.
Cheng Xiangjun calmly analyzed Zhang Yida's words and thought to himself, he is so confident that he even laid out the conditions for a five-fold increase in net assets in three years.
At the same time, he also saw the importance Zhang Yida attached to the insurance business.
He guessed that the strategic proportion of insurance business in Ruixiang system must be very high.
He couldn't agree so easily and delay for a while to see if he could get some benefits in return, so Cheng Xiangjun spoke:
"Mr. Zhang, I think this matter needs to be considered in the long term. Yi'an Insurance is about to open for business. We should focus more on this and strive for a good start.
As for the controlling shareholder, don't worry! After it has been operating for a period of time and the company's business is on the right track, we will take a closer look together.
It's like fighting a war. Before the war begins, we're already discussing how to divide the spoils.
These are my words from the bottom of my heart, and they may not sound so pleasant to your ears.
Mr. Zhang, please forgive me!"
Zhang Yida looked at Cheng Xiangjun, who was looking at him with a smile, and thought to himself, he is really a slippery old loach!
Its use of delaying tactics has nothing more than two ideas: either it wants to trick Ruixiang into investing resources, but at the same time it is reluctant to give up its position as a major shareholder;
Or they just want to tease themselves and ask for more benefits.
"Okay! Let's talk about this today. Let's discuss the rest later!"
Zhang Yida expressed his position.
All the small shareholders looked disappointed, so why did they give in?
Oh, what a pity! You should argue with Old Fox Cheng! We all support you.
They really regret that Rui Xiang has such thick thighs. If they don't take them to play in the future, how much money will they make?
The matter has come to this, and it is useless to say more.
They decided to communicate more with Zhang Yida in private to show their support.
No matter what, Rui Xiang must be firmly tied to Yi'an Insurance's chariot.
"Mr. Cheng, please stay."
Cheng Xiangjun stopped leaving, looked at Zhang Yida with a smile on his face, and said, "Mr. Zhang, is there anything else?"
"Yes! How about we talk alone?"
Zhang Yida said with a smile.
Cheng Xiangjun thought to himself, this is right! Let's discuss the terms carefully, there is no problem that cannot be solved.
So Cheng Xiangjun nodded and replied: "Okay!" After saying that, he walked back to the conference room from the door, sat down on the chair opposite Zhang Yida, and looked at Zhang Yida, waiting for the other party to speak.
Zhang Yida's action of calling Cheng Xiangjun was also noticed by other small shareholders who had already left the conference room door. They were all wondering what kind of exchange conditions Zhang Yida would offer Cheng Xiangjun.
"Mr. Cheng, have Yin Zijie ever thought about entering the field of risk control system technology output?"
Cheng Xiangjun scratched his head and said: "I have thought about it! But there is no big data accumulation! It is useless to make it.
Our main products are: computer verification system, batch verification system, bill image exchange business processing system, bank-enterprise reconciliation management system, centralized business image operation platform, remote authorization management system, etc.
Unlike you, Ruixiang, which has accumulated a large amount of C-end user data.
You can export risk control technology, but we can’t.”
Zhang Yida nodded, Cheng Xiangjun was still very self-aware. He added: "Ruixiang's subsidiary Tiace Technology is focused on the output of risk control technology. Currently, China Agricultural and Industrial Construction Capital has cooperation with Tiace Technology.
Yinzijie has a bank customer base, and Ruixiang has the technology.
I think we can work together."
"Oh. How about a cooperation method?" Cheng Xiangjun became interested and asked.
"Be the core agent of Tiance Technology." Zhang Yida offered his terms of exchange.
He repeatedly considered the cooperation space between Yin Zijie and Ruixiang, and exported the risk control technology closest to his business.
Yinzijie cooperates with joint-stock banks and rural commercial banks across the country, mainly providing them with some technical services commonly used by banks.
After nearly two decades of development, Yin Zijie has accumulated very deep banking connections.
Ruixiang is different. It relies on its relationship with shareholders to win cooperation with the four major banks.
As business continues to expand downwards, especially city commercial banks and rural commercial banks have encountered many soft nails.
Small cities are very particular about personal connections, and good products alone are not enough to win cooperation.
Ruixiang asked Yin Zijie to be his agent, which would give full play to the other party's strengths. At the same time, Ruixiang could also cooperate with more banks and make a small profit.
Cheng Xiangjun is also thinking about it. Yin Zijie has cooperated with more than 360 banks across the country. If half of the banks can purchase Ruixiang's risk control system, their income can increase by several hundred million.
"Okay! However, I want the exclusive agency rights in the banking industry."