Then let me tell you the truth! Everything you said is correct. All those 30,000 registrations were generated by our machines.
Investment users are basically wooly people.
As for your platform, the UI interface is ugly, and there are no state-owned assets or venture capital stocks. With this background, no two people will actually invest."
Wang Qihang's hands and feet were cold, and he had really guessed it.
That 6 million in advertising expenses can be said to have been wasted.
How should I explain this to Mr. He?
Wang Qihang felt sad. Advertising expenses were wasted, and his performance could not improve. He estimated that his job as the operations director was about to end.
Seeing that Wang Qihang was silent on the other end of the phone for a long time, Director Liu comforted him and said:
"Brother! You are also from operations and promotion background, and you also know what the current Internet promotion industry is like.
If you don’t cheat on the quantity, and don’t adulterate it with some fake quantity, how can you survive this day?
These are small things, you don’t have to worry about them.”
Wang Qihang sighed and said:
"I know that the advertising and promotion industry is very deep, but if your data is fake like this, I will definitely not be able to deliver. Maybe I will be kicked out soon!"
Director Liu chuckled and said:
"Brother, what you said is serious.
The contract was signed by Mr. He, what does it have to do with you?
Even if the transformation effect is not good in the future, you, Mr. He, will only blame us, Hua Si.
It has nothing to do with you. You can rest assured."
Wang Qihang sarcastically said:
"It's okay for you to lie to Xiaobai, but don't do this in front of me.
The cooperation is carried out in multiple phases. As the operations director, I am responsible for the online operations and data analysis of the entire company.
Based on your data, the crime of "oversight" will definitely not escape.
And I also encouraged Mr. He to cooperate with you for the second phase.
After what happens later is exposed, Mr. He will probably have the intention to kill me."
Director Liu stopped pretending and asked directly:
"Then tell me what you mean? We won't say anything secretly in front of Mingren.
Let’s talk about it!”
Wang Qihang's hand holding the phone trembled slightly, his knuckles turned white, and he wanted to crush the phone.
With fierce eyes, he said viciously:
"Two ways!
The first one is that you must ensure that the following data is true. I will just turn a blind eye to the previous data and pass by.
Second, I’m going to resign from Mr. He now. It’s better to leave early, so as not to blame me later.”
Director Liu was a little flustered, this is not okay!
You can't resign! After you leave, no one will cooperate with me inside and outside. So how can I complete the tasks that Mr. Liang has given me?
Director Liu took a deep breath and said, "Just wait for me for half an hour. I will give you an answer in half an hour."
Director Liu hung up the phone and went straight to Liang Weimin's office.
Liang Weimin saw Director Liu pushing the door in and looked a little flustered, and asked:
"What's going on? You're in a panic.
How's it going with Jingrui Fortune? It took so long to get 6 million in advertising fees, so you should hurry up on this matter."
Director Liu hurriedly reported and told Liang Weimin a series of things about Wang Qihang.
Liang Weimin was furious after hearing this. He slapped the table and stood up, with a fierce look in his eyes and said:
"You tell him, or you can stay in Jingrui and cooperate with us to finish this play.
Either I should expose his commercial bribery now and let him go to jail."
After hearing this, Director Liu was shocked, his face turned pale, and he wiped the cold sweat from his forehead. If this matter was revealed, he would not be able to get away with it as a briber!
As for Mr. Liang, what is his identity? If he is exposed, he will definitely be picked out and he will take the blame.
Director Liu persuaded: "Young Master Liang, you can't do this, it will hurt both sides!
Moreover, if you destroy Jingrui and destroy the He family, your goal will not be achieved.
We must put the overall situation first!
Our goal is to bring down the He family, so we must not get angry with him."
Liang Weimin thought about it and realized the same reason, so he asked:
"Then tell me, what's the best way?"
Director Liu began to think. When his own safety was at stake, his mind began to work rapidly.
Half a minute later, Director Liu thought of a way and said with a happy face:
"Money! Let's use money to kill him!"
The first time I gave him 50,000 yuan, he accepted it without much rejection.
This shows that he loves money and has no moral obsessiveness.
The reason why he is falling out with us now is because he is afraid that we will make him lose his job.
As long as we have enough money, he will definitely be willing to lose his job and choose to cooperate with us."
The corners of Liang Weimin's mouth raised slightly and he said grandly:
"Money is not an issue.
It doesn't matter if all the profits from this order are given to him.
However, you must cooperate with us and be sure to empty out the He family."
Director Liu nodded, took out his cell phone and dialed Wang Qihang's number.
Director Liu smiled and said:
"Brother Wang! I will give you an answer now."
Speaking of this, Director Liu paused deliberately. Listening to the rapid breathing on the other end of the phone, he knew that Wang Qihang's heart was probably not calm at the moment.
After a pause for a few seconds, he continued:
"We choose the third way!"
Wang Qihang asked in surprise: "What third way?"
Director Liu continued to add:
"The third way is that we give you 30% of the cooperative advertising fees we receive."
Wang Qihang asked in disbelief:
"30%?"
Director Liu said in a positive tone:
"Yes, it's 30%.
If I receive another 10 million in advertising fees later, I will share 3 million with you.
If I receive 30 million in advertising fees, I will share 9 million with you."
Wang Qihang was completely stunned and didn't reply for a long time.
The heartbeat in the chest was very fast, and the breathing was a lot faster. He licked his dry lips and said:
"I'll think about it again!"
After saying this, everyone was stunned.
He didn't even know how he said this. Shouldn't he agree immediately?
He was mainly afraid because he didn't dare to take such a high rebate!
After saying this, everyone began to worry about gains and losses again. What if Wensi no longer cooperates in the future? So much money has been missed like this?
Director Liu glanced at Liang Weimin and prepared to ask him for instructions.
Liang Weimin raised his hand, made a "5" sign, and nodded towards Director Liu.
Director Liu swallowed his saliva. He was a little tempted and continued:
"The maximum is 50%. No matter how much it goes, we, Hua Si, will have no choice but to give up cooperation."
Wang Qihang squinted his eyes, then opened them again, and said in a low voice:
"Okay, 50%, I agree."
After hanging up the phone, Director Liu asked Liang Weimin for credit:
"Master Liang, what do you think? I will get rid of him with 50%, and our company will still have 20% profit."
Liang Weimin said disdainfully:
"Twenty million in advertising fees is only 4 million in profit, which is not enough for me to buy a car.
We don’t want this money, just spend it all. Give me the real data and don’t make He Shenghua suspicious.”
Director Liu nodded helplessly and said:
"Okay! I'll try to double the data. Lao He's ads are getting better and better, so he won't be suspicious."
Liang Weimin waved his hand and said:
"Okay, just watch!
Once this is done, I will promote you to the position of general manager of the subsidiary company."
Director Liu became excited upon hearing this, patted his chest and said:
"Young Master Liang, this matter has been taken care of by me, Lao Liu. I promise to handle it beautifully for you. If it doesn't work well, I'll come to see you personally!"
Liang Weimin wanted to laugh a little, this old Liu was such an old fool!
When I asked him to do something before, he was always coy about it, saying it was hard to do, couldn't do it, and all sorts of shirks.
Now I throw out the bait of general manager and behave like a dog wagging its tail to beg.
…
Yimin Financial Services.
Ding Siyao's office.
Zhang Yida came over today to check on the work progress and was asking Ding Siyao.
"I haven't been here for a long time. How are you doing here in Yimin?" Zhang Yida asked with a smile.
Ding Siyao smoothed her hair and revealed her beautiful face. Li Duo smiled slightly and said:
"The amount of funds raised by Yimin Wealth has exceeded 1 billion. Next, we are also preparing to apply for a fund sales license and an insurance brokerage license to expand our business scope."
Zhang Yida scratched the back of his head. The development speed of Yimin's wealth was a bit beyond his imagination. Now they have begun to deploy funds and insurance.
After thinking about it, I felt that I should support it. So I said:
"I support the layout of funds and insurance. Yimin Wealth is now getting bigger and bigger, with more and more customers.
In order to meet the asset allocation services of different customers, we must also vigorously improve our own business lines."
Ding Siyao nodded and said:
"Yes, there are more and more customers now. Some like equity investment with high risk and high return, some like securities investment with medium risk and medium return, and some like insurance with low risk and low return.
So we need to be equipped with a wide range of financial products for customers with different risk preferences to choose from."
Zhang Yida thought that in later generations, these two small financial licenses had been raised to tens of millions or even hundreds of millions in transaction prices. Now they can still apply. In the future, the application threshold will continue to be raised, and the number of licenses will also be reduced. The price will naturally be
A rising tide lifts all boats.
So he said to Ding Siyao: "Then you go and apply! Apply first. If you can't apply, buy it."
Ding Siyao smiled bitterly: "How can we have the money to buy it now? If we can't apply, we can only put it on hold temporarily. I asked about buying a license. The transfer price of a national insurance brokerage license is 20 million, and the fund sales license is three or four."
Ten million.
If you buy both licenses, you will need at least 50 to 60 million.
Our Yimin Financial Services Group only has tens of millions left in its account now. If we buy the license, we will completely deplete our liquidity."
Zhang Yida has a headache. Yimin Financial Services is burning money too fast. Several subsidiaries are currently losing money except Yimin Wealth, which is able to break even.
Zhang Yida then looked at the recent financial statements and was filled with emotions!
Yimin Financial Management has reduced its advertising investment and is currently mainly exploring the potential of existing users.
Although a lot of expenses have been reduced in advertising, the ever-expanding operations team and the newly recruited customer service team of hundreds have greatly increased labor costs.
Advertising expenditure is 3 million yuan and labor expenditure is 5 million yuan, which is a monthly loss of at least 8 million yuan.
As for the company's operating income, it is basically used as sales expense subsidies to financial management users.
Otherwise, it would be impossible to attract users just by relying on a fixed interest rate of 10%-16% without issuing red envelope investment coupons.
The competition in the industry is too great, and everyone is trying to make money at a loss, or fighting for profit margins to grab users.
As for Yimindai, it has only been online for a week and has issued a total of 10 million loans.
It’s not that I don’t want to lend more money, it’s mainly that the risks for online customers are still too great. Chen Shaojie and the risk control team he leads are still doing further data analysis.
Make further adjustments based on the data analysis results, whether to increase or decrease the loan scale.
In short, we can't rush things on Yimindai's side, so we can only take care of them slowly.
If you want to make a profit, don't even think about it for the time being. You will still have to lose money on labor costs for at least a few months.
The risk control and product development team of more than 50 people has monthly labor costs of more than one million yuan. In other words, Yimindai is losing more than one million yuan every month.
As for Yimin Puhui, the current two branches in Chengdu and Beijing cost nearly 10 million yuan in the early stage to open.
It is not profitable yet, and the monthly labor expenditure for a team of 300 people in two branches is at least 1.5 million.
It will definitely not be profitable within a few months, because the team is still working hard and will not be able to produce much results at all.
Zhang Yida's final calculation showed that the combined monthly losses of the four subsidiaries of Yimin Financial Services Group reached more than 11 million yuan.
The entire group's cash reserves are already less than 50 million.
But the situation is not dangerous because cash flow has been positive.
The monthly business scale is steadily increasing. Every time the cooperative loan company receives a fund, it will pay the interest on the fund for the next one or even two years.
This revenue alone has reached 200 million.
It’s just that these 200 million will need to be distributed to every investor bit by bit in the next one or two years.
Since it is not going to be distributed now, the money can be used.
Just like Goudong and other card suppliers' payments, Yimin Financial Management can also use this account cycle to do something.
The simple understanding is that "Yin eats Mao Liang", spend this part of the income, and then use the subsequent operating income to fill this hole...
Until funds like venture capital come in and drag the company out of the pit.
Or if several other subsidiaries become profitable, they can also fill this hole.
However, the company has always had a certain amount of free cash, so Zhang Yida has not used this amount of money that has been determined for the next 1-2 years.
However, with these 200 million in hand, Zhang Yida did not panic.
This is the user's interest money. You can just misappropriate it and then fill it back. Anyway, it will not affect the distribution of user income. If it is paid in time, it will be fine and it will not cause any pressure or negative impact on the platform operation.