After hearing what Zhang Yida said, Wang Hongxin had a rough understanding of the development history of Ruixiang Technology.
Although Zhang Yida said it more modestly, she believed that this was not achieved by luck. She praised:
"Xiao Zhang, you are really young and promising!"
Zhang Yida said modestly:
"Auntie, I'm overly praised. The company is still very young and needs to face a lot of competition. If the company wants to develop better, I still have a lot to learn and work hard on."
Wang Hongxin nodded, feeling even more satisfied with Zhang Yida. He became famous at a young age, but he was neither arrogant nor impetuous. His temperament was calm and he had a lot of troubles in his heart.
Wang Hongxin asked a few more questions about the company's products and specific business directions.
Zhang Yida also answered them one by one.
After dinner, before leaving, Wang Hongxin said:
"Xiao Zhang! Yaya, this girl is ignorant! You have to be more patient with her. Also, come and sit at our house when you have time. Yaya's father must like you very much!"
Zhang Yida was a little confused and replied blankly: "Oh, okay, Auntie!"
Zhao Erya said shyly: "Mom, what are you talking about? The relationship between us is not what you imagined."
Wang Hongxin, on the other hand, looks like someone who has been there before. I'll give you a look to see for yourself. Can't I see in your affectionate eyes that your heart longs to be tied to someone else?
After Wang Hongxin left, Zhang Yida and Zhao Erya stared at each other with big eyes and small eyes.
Zhao Erya's face was as red as a monkey's butt, and her voice was as low as a mosquito's and she said: "My mother talks like this, don't be angry!"
Zhang Yida couldn't laugh or cry and said: "It's okay. I was worried that you would be angry."
Zhao Erya muttered in a low voice: "I'm not angry! I just wish it was better!"
After saying this, he glanced at Zhang Yida secretly. He found that Zhang Yida was staring at him, so he quickly buried his head again, not daring to look at him.
I bought two cups of milk tea, one each for Zhang Yida and Zhao Erya, and returned to the company chatting and laughing. Under the envious eyes of the young lady at the front desk, Zhao Erya waved goodbye to Zhang Yida and returned to the telemarketing office area. Zhang Yida also turned around.
He went back to his office in the opposite direction.
Zhao Sheng is a salesperson at a Beijing mortgage company. Today he was carrying a stack of loan leaflets and handing them out all over the street. His legs were numb when he stood and his hands were sore. Not a few leaflets were distributed, but the customer's
No shadow was seen.
He went back to the company dejectedly and sat in a daze at his desk. He couldn't even pay the rent if he didn't pay bills. After graduating from college, he didn't want to go back to his hometown in the countryside. He liked the prosperity of the capital, so he joined a mortgage company in the capital to start a business.
member.
It’s been half a year since I joined the company, but my performance has fluctuated between good and bad, and I’ve often had a bad meal.
For example, it's the end of the month, and I haven't paid any bills yet. I'm still getting a basic salary of 3,000 yuan. After paying the rent, there's not much left. I'm almost vomiting after eating the steamed buns and kimchi.
Just when he was depressed, the director came out, clapped his hands and said:
"Everyone, listen to me, I have good news."
All salesmen put down their work and prepared to listen to the director's speech.
The director smiled and said:
"Our company has recently signed a successful cooperation agreement with Ruixiang Technology. From now on, after mortgage customers in Beijing submit loan order applications on Ruixiang Technology's websites and APPs, the orders will be presented through the backend opened by Ruixiang Technology for our company. The order
It contains the customer's contact number and basic information.
They are all customers who have been carefully screened and meet our company's loan access conditions.
We will allocate these customers to everyone, and after everyone gets the information, they will contact the customers to apply for loans at the store or door-to-door.
Of course, it costs our company money to obtain these customer information. If everyone successfully places an order in the end, the commission will be less than if you develop customers yourself.
But everyone should know that having more customers means that they are more likely to open orders. Even if the commission is smaller, it is better than not being able to open orders for a month and getting a basic salary."
After speaking, the salespeople in the audience had mixed reactions. Most people felt that this was actually quite good. It was better to open orders and get commission than not getting a penny at all.
The director smiled and began to assign customer lists to everyone. Today, Rui Xiang submitted dozens of loan orders to the backend, all of which cost money. We must strike while the iron is hot!
Huang Xi is the owner of a start-up company. He is sitting in his office in a daze. He feels as if he has been drained of energy and energy. He is listless.
Glancing at the lobby outside the office door, a dozen brothers who had followed him on his entrepreneurial journey for several years were working overtime to produce a game project.
Seeing how professional and dedicated they were, Huang Xi couldn't bear to tell them the truth. The truth was that the company's capital chain had been broken, it was about to go bankrupt, and it was almost impossible to pay wages.
Looking back on my own years, after graduating from a prestigious school, I joined Souli Changyou, working as a development employee and then as a project manager. After the company went public, I sold the company's rewarded stocks and started my own business with a group of brothers to develop games.
Only after doing this did I realize that starting a business and working are completely different things. I developed several games but they all failed, and I lost all my savings and money from selling stocks over the years.
He is in his thirties and has nothing but an apartment in Beijing.
When I was paying off my credit card at KaWang Credit Card Manager, I saw a loan advertisement promoting housing loans and resolutely filled in the loan application information.
I felt that I could still win, so I had to give it a try. Huang Xi clenched his fists, and for himself and for a group of brothers who followed his entrepreneurial journey, he spent all his wealth this time in a last-ditch effort.
"Dudu," the phone rang, and Huang Xi answered the call.
"Hello, are you Mr. Huang Xi?" the person on the phone asked.
"Yes, I am, who are you? What's wrong?" Huang Xi asked.
"I'm from a mortgage company here? Do you need a mortgage loan?"
"Well, I want a loan. How soon can I get it?" Huang Xi asked eagerly.
Zhao Sheng was very excited. The information provided by this company was very accurate! As soon as he made the first call, someone needed a loan. So he started to introduce the company's mortgage products and asked about Huang Xi's house area, location, full payment or mortgage.
…
"Well, come over here! Come to our company to discuss it, and if it's suitable, we'll handle it today." Huang Xi is quite anxious. His salary will be paid in two days, and he also needs money to develop new game projects.
Zhao Sheng hesitated for a moment, as he was about to get off work, so he asked him to go over and apply for a loan. But thinking that he had to write bills and make money, he agreed in a heartbeat.
After asking about the location of Huang Xi Company, I took the subway for nearly 2 hours to get to Huang Xi Company.
With Huang Xi's cooperation, Huang Xi entered the loan application materials in three strokes, five divisions and two divisions. It was agreed that he would go to the Housing Authority to apply for the mortgage tomorrow, and the order was completed.
This scene is just a microcosm. Ruixiang Technology Loan Supermarket has just been launched. There are not many loan partners, but there are so many customers submitting loan applications that the partners are busy.
With this wave of cooperation, each loan company is making a lot of money.
It is not a loss for Ruixiang Technology Company. If a customer is successfully redirected for a loan, the partner will be charged a channel fee of 1% of the loan amount.
If you help a loan cooperation company match a loan amount of 1 billion a year, you will still have an income of 10 million.
The bigger benefit is that through this loan supermarket, you can gradually connect with loan companies across the country.
After a period of time, P2P companies can also cooperate with them on a wave of funds, which is not limited to traffic cooperation. In the future, they can also develop risk control systems and sell them to these companies, including paid calls for credit score inquiries.
One-stop service from customer acquisition, to risk control, to lending funds. If it’s collection, forget it, it’s a minefield.
Zhang Yida thought of a lot while looking at the data report of the loan supermarket.
With the traffic platform Ruixiang Technology as the core, it is an aircraft carrier.
Use P2P business, risk control output business, big data personal credit scoring and other businesses as escort ships.
Jointly form a huge aircraft carrier fleet of "Internet + Finance + Technology".
The goal is very ambitious, but the current direction is still very young, so we can only lay out the plan step by step.
Lei Dongming knocked on the door of the chairman's office and walked in with a glowing face.
Seeing his happy look, Zhang Yida guessed that there was news about the license payment. He asked:
"So happy, is there any explanation about the payment of the license plate?"
Lei Dongming laughed and said:
"The chairman has a keen eye and saw through me right away!
It’s definitely too late to apply for a license. I heard from some friends in government agencies that the country is preparing to close the country!
If you want to buy it, I have heard from two companies who are interested in selling it.
The first company is Beijing Digital Communications. They have a payment license, which they obtained in June 2012. Their business covers Internet payment and digital TV payment. They spent 10 million to register last year, and now the asking price is not low, 50 million.
The second company is Chengdu Mobao Payment Technology Co., Ltd., which obtained the license in March 2010. Its business covers Internet payment and mobile phone payment. It has a registered capital of 39 million. It has been losing money for 3 consecutive years and its current net assets are less than 30 million. Asking price
It’s 80 million.”
Zhang Yida's eyes lit up. He could take the price directly without any counter-offering. If he held it in his hands for a few years, the value would keep rising!
Zhang Yida stated:
"Prioritize Chengcheng Mobao. Internet payment and mobile payment are the future trend. The asking price is 80 million, right! Contact them, submit a quotation, and try to lower it to 60-70 million.
Damn it, you’ve been losing money for three consecutive years and you’re still so arrogant!
It’s not that the country doesn’t allow you to apply for a license now, it’s just that it’s too time-consuming to apply, review, and then issue. Once you get the license, it’s almost as if it’s cold.
You should explore the bottom first, the lower the price, the better. At the same time, don’t waste time, get it as soon as possible to avoid long nights and nightmares.”
Lei Dongming nodded and expressed his understanding. At the same time, he was also very satisfied with Zhang Yida's trust in him. He was rewarded with 100,000 share options when he joined the company and handed over the company's first acquisition to him.
You must do this acquisition beautifully! Otherwise, some people will always talk about you behind your back and get a lot of money options without making any achievements.
Zhang Yida has also heard some voices in the company questioning Lei Dongming. After all, other senior executives are entrepreneurial veterans, but Lei Dongming was airborne.
It's normal to have some private struggles within the company. Wherever there are people, there are rivers and lakes. As long as it doesn't affect the normal and healthy development of the company, that's fine!
If anyone affects the development of the company, I will show no mercy!
Now is the initial acceleration stage of my career, and many layouts and ideas must be based on the vigorous growth of Ruixiang Technology.
You can't stand any setbacks, otherwise your development speed and potential will be limited at first, or you will be surpassed by competitors and latecomers at worst.
Currently, there is no moat for the company and no core security barriers.
Therefore, Zhang Yida does not dare to be careless at all. Apart from attending classes at school every week, he is also watching at the company. He does not envy the wonderful entertainment lives of other peers!
After all, he chose the path of entrepreneurship, and he would not be willing to wait until the top to see the scenery!