"What are you doing? Do you want to resign?" Zhang Yida looked at the resignation letter handed to him by He Qingxuan, and then asked.
He Qingxuan's eyes were red and her face was very haggard. She nodded and said, "I don't want to cause you any more trouble. You have helped my family so much, and you may never be able to repay your kindness in this life."
I was very naive before, thinking that I could enter your company, help you work, and repay you little by little.
But now that I think about it, I actually can’t help with anything. I can’t code, I can’t do operations, I can’t do marketing..."
Zhang Yida frowned, knowing what He Qingxuan meant by "kindness".
In 2014, He Shenghua's P2P platform Jingrui Wealth suffered a run. It was Zhang Yida who acquired the company, allowing He Shenghua to escape and avoid criminal punishment.
"Actually, you don't have to do this. After acquiring Jingrui Wealth, which is now Ruimin Financial Management, I personally also received very good returns.
This is a win-win situation, there is no such thing as kindness or kindness."
He Qingxuan smiled: "I have to thank you after all."
"What are your future plans?" Zhang Yida asked.
He Qingxuan blurted out: "I want to start my own business."
"Then what do you want to do?" Zhang Yida was also curious, so he asked again.
"Starting a business in the field of self-media is very popular, and it is quite consistent with my major."
Zhang Yida nodded and said: "Yes, you are from Communication University, so you are indeed a good match."
"Okay! Since you have chosen to start a business, I wish you all the best."
Zhang Yida also knows that the plastic sisterhood between He Qingxuan and Zhao Erya has broken down. If she still stays in Huimin Travel Group, it will always be a thorn in Zhao Erya's side.
"Thank you! Come on too, I'm looking forward to the day when Ruixiang Group and Huimin Travel Group will shine around the world."
Looking at He Qingxuan's leaving figure, Zhang Yida felt vaguely reluctant to give up. He knew that it was just possessiveness at work.
Song Caiwei met He Qingxuan who was leaving Zhang Yida's office and called "Assistant He". The latter did not stop, nodded and smiled at her, and left again.
Song Caiwei looked at her slightly lonely back and was very suspicious. She usually wanted to have a few words with herself. What happened today?
Song Caiwei knocked on the door with doubts, and walked into Zhang Yida's office after obtaining Zhang Yida's consent.
She had sharp eyes and immediately saw the resignation letter on the table. After thinking about it again, she asked: "Did Assistant He resign?"
"Yeah." Zhang Yida replied with a faint nasal voice.
"Okay, why would she resign?" Song Caiwei was a little confused.
"She wants to start her own business." Zhang Yida replied.
Song Caiwei was a little surprised and said: "Isn't she not graduated yet? Now she wants to start a business."
"I haven't graduated, so I'm not starting a business. Entrepreneurship has nothing to do with any of this."
Song Caiwei put her chin on her hands and said, "Then I really admire her for her ideas and her ability to take action."
"What? You also want to start a business?" Zhang Yida joked.
"I'm a bit worse. I'm not suitable. I'm more suitable for collecting rent and waiting to die."
Zhang Yida smiled, thinking that her family had more than a dozen apartments in Yangcheng, and she indeed had the family conditions.
"Okay, let's stop chatting and inform the senior management of the group to hold a meeting!"
…
Ruixiang Group Conference Room.
"Has the financial report for 2015 been released? Let us know when it is released." Zhang Yida asked CFO Lan Lan who was sitting next to him.
Lan Lan nodded, stood up, closed the blinds with the remote control, then opened the PPT file and began to report:
"Ruixiang Group recorded a total operating income of 15.514 billion yuan in 2015, a year-on-year increase of 137.8%; net profit was 377 million yuan, a year-on-year decrease of 49.33%;
The seven major financial supermarkets contributed 7.202 billion yuan in revenue. The revenue share dropped by 22% from last year. The revenue growth rate increased by 43.15% from last year; the net profit was 4.75 billion yuan...
…
Mobao Payment’s revenue was 3.664 billion yuan, an increase of 493.8% year-on-year, and its net profit was -3.221 billion yuan.
Technology business revenue was 875 million yuan, an increase of 2,400% year-on-year, and net profit was -2.877 billion yuan.
Consumer finance business revenue was 3.268 billion yuan, an increase of 1110% year-on-year, and net profit was 1.307 billion yuan.
Wealth management business, including securities, funds, insurance, etc., had revenue of 342 million yuan and net profit of 255 million yuan.
Other businesses include investment income of 163 million yuan."
After hearing this, Zhang Yida scratched his forehead. More than 6 billion was burned in mobile payment user subsidies and technology research and development investment. The actual figure may be even more than this.
Because the mobile payment business and technology business themselves also have certain operating profits, they have also been filled into these two bottomless pits.
"After deducting technology research and development investment and mobile payment business subsidies, what should be the net profit?" Zhang Yida asked.
"Excluding these two businesses, the operating profit of other businesses is 6.475 billion yuan."
Lan Lan had already calculated this number and knew that Zhang Yida would ask, so she quickly answered.
Zhang Yida nodded and motioned for Lan Lan to sit down. He glanced around at the company executives present, and then slowly said:
"Since 2014, Ruixiang's business has basically reached revenue balance. However, we have never made a substantial profit because the profits have been offset by mobile payment subsidies and technology research and development investment.
In the near future, these two businesses will be a roadblock to the group's substantial profitability.
But in the long run, mobile payment represents user traffic, user activity, and retention rate;
Technology represents advanced technology and advanced products.
Therefore, we not only cannot waver in our investment in these two businesses, but also continue to increase it.”
There is no fool who can sit here, and they all nodded in support.
Zhang Yida continued: "Through the financial report, we can see that the financial supermarket's revenue growth rate is declining, and it is the slowest among the five pillar businesses.
The financial supermarket business, which accounted for 71% of the group's total revenue last year, now accounts for less than half, only 46.4%.
We can finally take off the hats of advertising agencies and intermediaries.
What does this mean? It means that the business has almost hit the ceiling.
The incremental market is no longer big, and we need to start intensive cultivation and focus on the existing market."
Zhang Yida turned to look at Gu Panpan, general manager of the platform operation business group, and asked, "Do you have any plans?"
Gu Panpan stood up and replied: "We have also noticed the changes in the market. In response to this situation, the next step will be to provide the cooperative enterprises with a more complete promotion and cooperation plan."
Zhang Yida nodded slightly and said: "The profit of the financial supermarket business has always been the highest in the group. It is not an exaggeration to call it a cash cow."
Gu Panpan saw many of her male colleagues glance at her chest and their faces turned red with embarrassment.
Zhang Yida coughed and said, "We're still in the meeting, don't think about it."
"hey-hey!"
The executives present all laughed. The oldest among them was only around 40 years old, so they were all relatively young, so the atmosphere was still very lively.
Zhang Yida continued to say to Gu Panpan: "Currently, mobile payment and technology research and development still require blood transfusion from the group. So your task is very arduous.
Next year, I won’t have high demands. I will be satisfied if either revenue or net profit reaches a 30% increase.”
"Guaranteed to complete the task."
Gu Panpan replied with great enthusiasm, and the executives present looked at him frequently.
Zhang Yida smiled. Although Gu Panpan was a female general, her ability to execute things was stronger than that of most men.
Although he is an entrepreneurial veteran, he never relies on his old skills to sell off his old skills, nor is he picky about his business.
Most of the time, the tasks and things assigned by me are completed with excellence.
Therefore, Zhang Yida has always valued her, and he has never been stingy in job promotions and option grants.
Zhang Yida then looked at Xie Huaiyu, general manager of the Open Technology Business Group. He has always been in charge of the sales and operations of the technology business and mobile payment business, and he is also one of the "culprits" of a loss of more than 6 billion.
"Mr. Zhang, don't look at me like that, I'm so scared."
Xie Huaiyu's family knows his own affairs and knows that he is a big spender and others are a big earner, so he is very low-key during meetings.
"I don't mean to blame you." Zhang Yida shook his head with a smile, took out a document from the table, handed it to the other party, and said:
"On the contrary, I want to praise you. According to Analysys statistics, our Mobao Pay market share has increased from 5% in the fourth quarter of 2014 to 12.5% today.
Although there is still a big gap compared to Paybay's 50% and Penguin's 30%, the gap is constantly narrowing.
Your goal for 2016 is to increase your market share to 20%.
Do you dare to accept this military order?"
Xie Huaiyu swallowed. The market share increased by 7.5% in 2015. It would be difficult to replicate this miracle in 2016.
But looking at Zhang Yida's sharp eyes, he nodded and agreed, but he still needed some support. He said: "Mr. Zhang, how much loss is allowed for mobile payment this year?"
"Within 5 billion, you can do whatever you want!"
Upon hearing this, Xie Huaiyu felt as if he had been given a shot of chicken blood. He suddenly felt confident and nodded hurriedly.
"What about you?" Zhang Yida asked Wang Lina, general manager of the mobile service business group.
Wang Lina said: "Currently, we operate 4 independent APPs: 365 Accounting Manager, Kawang Credit Card Manager, Diandianchou, and Jinniu Finance.
The first two were mainly used to divert financial supermarket business. As the number of registered users reached 100 million and 50 million respectively, user growth slowly slowed down."
Zhang Yida nodded lightly, accounting and credit card are both apps with limited scenarios.
The former requires users to have good habits, while the latter requires users to have credit cards, so it cannot become a national-level APP and can only become a distribution channel for Ruixiang Financial Supermarket’s business.
Then I heard Wang Lina continue to say: "Currently, our focus is on Diandianchi and Jinniu Finance.
In the former, while we are expanding the number of users, we are also developing Internet insurance sales business. The current conversion situation is relatively satisfactory, which shows that people's insurance awareness is awakening.
In the latter, we have successively invited many financial self-media authors to join the platform, which not only enriches financial content, but also creates an atmosphere of a financial community.
At present, commercial realization is still relatively limited, and it mainly cooperates with securities companies to carry out some account opening business and deposit business."
"Okay, let's continue at this pace."
Zhang Yida does not have high expectations for the mobile service business group. He basically regards it as a business supplement and traffic distribution channel, which is not particularly important.