The program of the cultural performance is still very exciting, including dramas, poetry recitations, songs and dance performances.
These are all programs carefully rehearsed by students in their spare time, and they still look very pleasing to the eye.
Zhao Erya is more artistic, and she also sang a song on stage in a formal dress, which won applause from the whole house.
Zhang Yida also applauded and looked at Zhao Erya, who was shining brightly on the stage, and waved to her. He didn't know if she saw it.
After the party, Zhang Yida agreed with a group of alumni on a time when everyone would gather together to discuss in detail the formulation of the association's specific rules and regulations and other related matters.
Zhang Yida came to the dressing room at the backstage of the party and sent Zhao Erya a WeChat message:
"Are you done? I'll wait for you outside the dressing room."
"Wait for me a little longer, I haven't taken off my makeup yet!" Zhao Erya replied.
"If you are hungry, go and eat first! No need to wait for me." A minute later, another WeChat message was sent.
"I'm not hungry, I'm waiting for you." Zhang Yida typed a reply.
Zhang Yida stood at the door of the dressing room and kept waiting. Zhao Erya never came out. Instead, groups of students passed by.
Many students came out after changing into their costumes and taking off their makeup, saw Zhang Yida here, and even said hello to him.
Most of the people who greeted them were girls. Zhang Yida didn't recognize any of them, but he still smiled politely and replied a few words.
Several outgoing girls also proposed to add him on WeChat. Zhang Yida couldn't put on any airs, so he had no choice but to agree.
When Zhao Erya came out, she happened to see this scene. Several girls planned to continue chatting with Zhang Yida to make them look familiar, but now they had to say goodbye and leave.
"Who are they?" Zhao Erya came over and pinched Zhang Yida's waist and said.
"She, they! I, I don't know them either!" Zhang Yida stammered with a grimace.
Zhao Erya didn't quite believe it, and her questioning eyes kept wandering over Zhang Yida.
"I really don't know you! I will wait for you here, and then they will come to say hello to me.
I can't act condescending, right! I can only talk to them perfunctorily."
Zhang Yida is very helpless. The girl wants to attack me. What can I do?
"Can't you put on a dead face? Just pretend to be aloof." Zhao Erya hugged Zhang Yida's arm and said as she walked.
"I'm still studying in school. It's not good to be too aloof or too arrogant. After all, we are all classmates. It's not good for you to act like you don't want to approach strangers.
Everyone will only say that your business, Zhang Yida, is now big, and you are pretending to be B in front of your classmates. It doesn't matter if it is spread like this in school, but it will be bad if it spreads to society.
Many investors will think that you are not a good person. If you have some achievements, your tail will rise to the sky.
In this way, the personality will be destroyed and a lot of investment opportunities will be lost.”
Zhang Yida began to enlighten Zhao Erya and made a lot of lies.
Zhao Erya felt that what Zhang Yida said made sense, so she stopped embarrassing him.
…
Song Caiwei came to work as an administrative assistant today. She wore a sky blue professional suit, black stockings and high heels, making her look very tall.
Zhang Yida looked her over and said:
“You have just joined the job, and if you don’t understand anything about the business, please ask the senior employees for help!
Come on! I hope you can achieve better development in Ruixiang!"
Song Caiwei teased her newly permed hair and said with a smile:
"Okay, I will comply with General Zhang's decree!"
Zhang Yida looked at the lively and cheerful senior sister in front of him, smiled and said:
"You enter this state very quickly! Our company is in need of talents like you.
If you work hard, promotion and salary increase are not a dream, and options are not far away."
Song Caiwei covered her mouth and chuckled:
"Is it because the company has grown bigger and the bosses have their own deception skills?"
"I'm not fooling you. Every year we issue one to two million share options.
Rank adjustments will be made based on KPIs every three months."
Zhang Yida spread his hands and said.
"Okay, okay, boss, I will work hard. Work hard to create value for the company and complete KPIs." Song Caiwei answered with a smile on her face, following Zhang Yida's words.
After the two continued to chat for a few words, Song Caiwei said goodbye and left.
She went to the assistant's office next to Zhang Yida's office and started receiving pre-job training from another assistant.
The training content is very simple. You first learn to organize documents and materials, and start with the simplest tasks.
Song Caiwei has no complaints. As long as she can get close to Zhang Yida's life and observe him up close, she will be very happy.
…
The first phase of Series B financing of US$500 million has received US$200 million, equivalent to RMB 1.24 billion.
This part of the money was allocated 400 million yuan to Guanghua College of Peking University and invested in the Guanghua Smart Financial Center project for the development and experimentation of high-tech.
Originally, Ruixiang had 246 million in cash reserves, but nearly 100 million was spent on investing in Lefenqin and Miaofenqin, and 50 million was spent on promoting personal payment sites.
In addition, Ruixiang Group had a net profit of 480 million in the first quarter of 2014, which is calculated after deducting various R&D investments, personnel salaries, and sales expenses in the first quarter.
At last count, Ruixiang Group currently has 1.42 billion yuan in cash reserves.
Zhang Yida decided to start buying and buying, and ordered CFO Lan Lan to start looking for suitable acquisition targets in the market.
Category 4 targets must hold a fund sales license, an insurance agency license, an Internet small loan license, and a company with a public fund license.
The first three licenses are relatively cheap, ranging from 10 to 20 million or 20 to 30 million each.
Mutual fund licenses are rare. There are currently 95 in the country, and they are basically firmly controlled by banks, insurance companies, and securities companies.
Zhang Yida did not think about purchasing one directly at once, that would be unrealistic. It would not be easy to do it if he had the funds, because such a transaction would require approval from the China Banking and Insurance Regulatory Commission.
Ruixiang's short history is a flaw, and it has not been listed on the market, so it is not a mature company. This is the impression it has in the eyes of regulators.
Therefore, we can only settle for the next best thing, first invest in a public equity fund company, become a second shareholder, and then gradually pursue it.
After informing Lan Lan of the acquisition mission and requirements, Lan Lan immediately launched relevant investigation and acquisition work.
At the same time, Ruixiang also held a high-level meeting internally. At the meeting, Zhang Yida announced several new strategies:
“First, build several new business sectors such as fund supermarkets, insurance supermarkets, trust supermarkets, and bank wealth management supermarkets to improve the overall financial layout.
Second, we started to build a “change jar” currency fund financial management project based on Yu’e Bao.
Third, after obtaining the Internet small loan license, it began to launch the offline consumption installment project "Touronghui Wallet" and the cash loan project "Toulonghui IOU".
Touronghui Wallet and IOU will first open a certain amount to some people with the best credit evaluation based on Mung Bean’s credit score.
Users with Touronghui wallet quota can choose to consume in installments when paying at offline merchants that Mobao Pay cooperates with.
The Internet small loan company under Ruixiang Group will undertake this part of the consumer installment debt, and the user will repay the loan in installments to the small loan company.
The TouRongHui IOU means that after the user has obtained a quota, he can directly borrow money and withdraw it to his bank card. He can borrow and repay at any time, with interest calculated on a daily basis. Or, he can pay back the principal and interest in equal amounts in monthly installments.
Fourth, set up a crowdfunding subsidiary named Diandianchou to create a free fundraising platform for serious illnesses."
Seeing that everyone was a little confused, Zhang Yida looked at everyone and said:
"If you have any questions? Just tell them."
"Mr. Zhang, I can understand the first three points you mentioned, and they are all part of improving the financial layout of our company. But what is this crowdfunding for? Is it free? Is it for charity?"
Gu Panpan was considered an old man in the company, so he was the first to speak.
"We are definitely going to do crowdfunding. It is normal for everyone to have misunderstandings. You should listen to my analysis first and then express your opinions."
Zhang Yida glanced around the crowd, gestured for everyone to calm down, folded his arms and leaned on the chair and said:
“In my understanding, crowdfunding is divided into two types. One is commercial crowdfunding, such as the equity crowdfunding that is currently popular.
One person initiates a project, and everyone comes to pool their money to invest. If you make money, everyone will share it, and if you lose money, everyone will bear it.
This is actually a bit similar to private equity funds, but private equity funds require 1 million to invest. The threshold is low, and you can invest tens of thousands to ten thousand.
However, there are many shortcomings in this thing. There is a serious lack of supervision in the review of projects and the use of funds.
I dare to assert that commercial crowdfunding cannot be done in the country.
What we want to do is another kind of public welfare crowdfunding.
Yes, we don’t make money, we build an Internet donation platform.
Someone is seriously ill, but the family is too poor to afford medical treatment. What should I do? In the past, neighbors, relatives and friends donated money to help.
Now is the Internet age, we can move this kind of donation online.
Someone in your family is seriously ill and cannot afford medical treatment. Then upload the patient information and hospital certification to our crowdfunding platform. After strict review by our staff, a crowdfunding project will be generated for him in the background.
This crowdfunding project cannot be placed on the TouRongHui platform, we operate it independently.
For example, share and forward it on social software such as WeChat and QQ. People who see it can donate on the platform.
We don’t take any money from donations, and all of them are given to patients and users.”
After a pause, Zhang Yida smiled again and said:
“Are everyone thinking about how to maintain long-term operation if the project is not profitable?
This is simple. In the early stage, we did only do charity, there was no profit, only investment and losses.
Later, when user traffic increases, we sell insurance.
To correctly promote insurance awareness, users have no money to pay for medical treatment because they do not have insurance, so they can only initiate crowdfunding donations.
This project relies entirely on selling insurance to generate profits, and only with profits can the platform operations be maintained for a long time.
In addition, another advantage is that it actually helps some families in need. It can bring a certain good reputation to our platform!"
Now everyone had no objections. Zhang Yida had thought out the structure of the platform and considered both the losses and profits.
Then what is there to object to!
Specific promotion relies entirely on social promotion. QQ + WeChat basically covers netizens across the country. It is the best publicity and promotion channel for crowdfunding platforms.
"Do you think Penguin will agree to us launching this crowdfunding on their platform?" Lin Zhenyang interjected.
"Let them become shareholders and let us all play together. This project cannot be separated from them." Zhang Yida replied without hesitation.
It would be impossible to play this project without penguins, as it relies too heavily on social and communication software.