"Yida, I heard that you just bought a building, congratulations!"
Zhang Yida was also a little curious as to why Hu Gang remembered to call him.
"Brother Gang, thank you for the flower basket!"
A few days ago, when Ruixiang was moving into a new house, Handing Group also sent a flower basket, but neither Hu Gang nor Wang Xiaojie were present in person. Zhang Yida hadn't seen these two people for a long time, and he didn't know what they were doing recently.
"Ruixiang Group's current momentum is even higher than last year."
Hu Gang was also very emotional. He could afford 3 billion to buy a building. Ruixiang Group had really grown up.
He now gets a headache when he hears the number 3 billion. Someone else's 3 billion bought a building, and his own 3 billion bought hundreds of millions of zombie registered users.
"Yida, I want to ask you a favor!"
Zhang Yida's heart tightened, as he was most afraid of hearing such words. It was similar to ordinary people hearing that a friend wanted to borrow money.
"Brother Gang, you don't have to be so polite. I will help you if I can."
"Dianyibei is encountering some problems now. You are an expert on the Internet. I would like to ask you to help point out a clear path!"
It's not just a matter of borrowing money, Zhang Yida felt his heart in his stomach.
"Is it because of the fruit issue?"
Hu Gang looked a little ugly, and after a while he said, "Have you heard about it too?"
"Um...after all, there are so many media reports, and I've heard about it. I've heard about it."
"Actually, regarding this matter, criminals took advantage of us when we borrowed money. We are also victims."
"I understand, society is like this now. There are all kinds of birds in the forest."
Hu Gang didn't know whether Zhang Yida listened to his explanation, and he didn't care about it anymore.
"Yida, you were there last year when we were doing the loan and bet match. At that time, the bet required us to reach 80 million daily active users, but looking at it now, we probably won't be able to complete it..."
Hu Gang spoke softer and quieter, with a hint of resentment.
Zhang Yida was stunned. I didn't force you to sign this. Although betting is a good idea that I came up with, you can't blame me if you can't complete it?
"Brother Gang, I don't know what you mean..."
"You have created so many popular apps, can you give me a couple of tricks? It doesn't take much, just let us complete the 80 million daily active users.
In addition, after the matter is completed, I will personally give you 20% of the shares of Loan Bei!"
A big gift of tens of billions! According to the current valuation of 52.5 billion yuan, which is a bit too inflated, 20% of the shares would be 10.5 billion yuan.
But is Zhang Yida so easy to buy?
Zhang Yida sighed, "Brother Gang, I appreciate your kindness. Among all my companies, only Ruixiang can reach 80 million daily active users.
I'm afraid I'm going to live up to your expectations! Because I can't give you anything to recruit."
Hu Gang was a little disappointed. He had given out "tens of billions" of shares as a thank you gift, but he couldn't get any clever tips from Zhang Yida.
It seems that the bet is lost. Including the 15% premium buyback, we will still lose another 375 million.
"Yida, why did I stupidly agree to this obviously impossible bet?"
"Judging from the heated scene at the time, Lianbibei had a chance to complete this bet.
But who would have thought that users would uninstall the APP after receiving the reward?
Let me tell you, the content and service packages of the APP have not kept up.
However, the information of your hundreds of millions of users is not a loss. If you think of other ways, you still have a chance to make money back."
Hu Gang felt that he was still too inflated at the time, so he gave Lianye Bei a pre-money valuation of 50 billion.
Burning money has created a lot of chicken feathers in this place!
"Yida, I will sell you the loan shell, do you want it?" Hu Gang suddenly said this.
Zhang Yida was stunned for a moment, why should I take it? At least 5% of your hundreds of millions of users were introduced to you by us.
The number of overlapping users is at least 50%. What’s the point of me holding it? Can I follow your example and be educated by various public opinions?
"Brother Gang, you're kidding me. I can't afford more than 50 billion."
"You don't need 50 billion, I'll sell it to you for 5 billion. We have more than 100 million users, which works out to less than 30 yuan per user. It's very cost-effective."
"The main reason is that it's useless for us to buy it. The board of directors will definitely not agree."
Zhang Yida cursed secretly in his heart, even though he already had this amount, he still wanted to sell it for 5 billion, but I wouldn’t even buy it for 500 million.
"What about 3.5 billion? We don't make any money either. We just need to get back the promotion costs.
Once the loan is in your hands, it should be more effective.
Didn’t you recently buy a two-dimensional website, Station B? I heard that that crappy website cost $1 billion.
The loan isn’t even worth half of what it is?”
Zhang Yida smiled bitterly, I can't accept your words!
With a market value of tens of billions of dollars in the future, I can't even get listed on the loan. Isn't this a huge gap?
"Brother Gang, loan money really has no acquisition value for us.
I'm not saying that borrowing money has no value, but that it doesn't complement our business.
Peer-to-peer lending is the kind of thing that LendingBei, Yimin Wangjin, and Ruimin Financial Management all do.”
Hu Gang also understood Zhang Yida's intention to some extent, but he didn't like borrowing money. 3.5 billion was too expensive.
"Okay! I'll think of a solution myself!"
After hanging up the phone, Hu Gang decided to stop the promotion of Bei Yao from now on and start profit-making projects. Regardless of anything else, he should at least get back the investment capital of more than 3 billion yuan.
"Mr. Hu, are you looking for me?" Wang Lu walked into Hu Gang's office.
"I think the overdue management fee you mentioned last time was a bit low. You should be able to increase it a little more, right?"
Wang Lu thought for a moment and said, "Well, let's change the system so that the overdue management fee will be stacked according to the increase in the overdue period, up to 30% of the principal."
"By the way, everyone is still urging us. How many registered collectors are there now?"
Wang Lu replied: "There are more than 300,000 people."
"I remember that this product puts the information of customers whose loans are overdue on the Internet. Anyone can call them back, and the loan amount will be counted as a commission, right?"
"Yes." Wang Lu nodded, "This product has lowered the entry threshold for debt collectors and called on all the people to participate in the campaign against old debt collectors. It has made a huge contribution to building a credit society."
"Okay, stop shouting these empty slogans! Grab these projects and try to make some profits first."
…
Sichuan Sichuan Xingwang Bank received formal approval from the China Banking Regulatory Commission, becoming the seventh private bank in China to be approved for establishment.
Recently, Xingwang Bank was approved to be established as an Internet hotspot, namely WeBank, and the third Internet bank of MYbank was born.
The first to fourth largest shareholders of Xingwang Bank are Xinwang Group, Ruixiang, Rice and Black Flag Chain.
Xinwang and Black Flag are both local A-share listed companies in Sichuan, while Ruixiang and Daimi are super unicorn companies with a valuation of tens of billions of dollars.
With the strong alliance, the outside world is very curious about whether Xingwang Bank has a chance to surpass the established WeBank and MYbank.
In a private club in Beijing.
There was a banquet going on, and there were only four people sitting at the big round table, namely Liu Yonghao, Zhang Yida, Lei Jun and Cao Shiru.
"Here, let's have a drink to celebrate that our Xingwang Bank has finally been officially approved for establishment."
Liu Yonghao stood up, raised his wine glass and cheered loudly.
"Mr. Liu, the bank has been approved and you have contributed a lot to it. We should toast you with this cup."
Lei Jun is right. As the major shareholder, Liu Yonghao does contribute more.
Zhang Yida also agreed with Lei Jun, "Yes, Mr. Liu, we toast you this cup."
Liu Yonghao waved his hand, "We are all partners, so don't be so polite."
“After the bank is approved, a large number of software engineers and financial technology R&D engineers will be needed in the subsequent preparation process.
In this regard, Yida, Mr. Lei, you two are the only ones who have a lot of support.
The senior talents of Xinwang Group are all engaged in biotechnology research and development."
"There is no problem at all. DaMi Group can mobilize a team of people to join Xingwang Bank at any time."
Lei Jun expressed his attitude with a smile, and Zhang Yida also expressed his attitude: "It's okay for Rui to come this way."
"Yida, I heard that Ruixiang also invested in Jincheng Consumer Finance?" Liu Yonghao asked.
"Yes, this is also some layout for licensed consumer finance."
Lei Jun smiled and said: "Ruixiang is silent and has collected all domestic financial licenses.
Bank-securities basic insurance, consumer finance, payment, online small loans, fund sales, insurance brokerage, insurance agency, financing guarantee..."
"We still need a trust license!" Cao Shiru added.
Seeing several big guys taking stock of their financial licenses, Zhang Yida laughed and said: "Ruixiang must get a license if he wants to work in the financial industry!
Sister Cao is right, we still need a trust license. There are only 68 in the country. I would like one. If you seniors have the resources, please introduce it!"
"Trust licenses are too rare, and transactions rarely occur." Liu Yonghao added: "As long as you are patient, you can still come across one every few years."
"Don't force it, just let nature take its course!"
"You have a good attitude! Let nature take its course!"
Lei Jun asked again: "I heard that Ruixiang invested in Transsion Mobile?"
"Yes, we plan to develop in the African market."
Cao Shiru praised: "Yida, your business has gone to Africa? It's really amazing. Black Flag Chain has not even broken out of Sichuan and Sichuan provinces!"
“Africa should promote mobile payment?”
Seeing that Lei Jun seemed very interested, Zhang Yida explained: "Due to war and disease, few countries in Africa are suitable for promoting mobile payment.
Let’s just go over and plant a flag and have a taste of it.”
"Pre-installed software, right?"
Zhang Yida nodded to acknowledge that Lei Jun was in the mobile phone business, and the cooperative promotion here was very clear.
"Rice is doing very well in India. Factories have been opened in India. Many people in India think rice is their domestic mobile phone."
Zhang Yida brought the topic to Lei Jun again, who smiled and said: "Don't Ruixiang also have a mobile payment company in India? Do you want to cooperate with Rice?"
"Rather than pre-installed software, I would rather establish an Indian joint venture financial company with Rice."
Zhang Yida is very envious of the installed capacity of rice in India, and rice has a very good reputation in India, so much so that Ah San is so obsessed with it that he simply wants it.