The Yimin Financial Services team is growing day by day, and the original one-story office building can no longer accommodate it. Now each subsidiary has rented a separate first-floor office.
Zhang Yida walked around, starting from Ruimin Financial Management on the 26th floor, Yimin Puhui on the 27th floor, Yimin Loan on the 28th floor, Yimin Financial Management on the 29th floor, all the way to Yimin Wealth on the 30th floor.
Walking into the office of the CEO of Yimin Financial Services, Zhang Yida immediately saw Ding Siyao with his head buried in writing and drawing on paper.
Ding Siyao looked up and saw Zhang Yida, and was a little surprised, then smiled and said:
"Mr. Zhang, why are you here?"
"I just came over and took a look at everyone's recent work." Zhang Yida looked at the notebook on the table and asked, "What are you writing?"
"I'm writing work notes." Ding Siyao pursed her lips and smiled, and then said:
"The business of Yimin Wealth is becoming more and more complicated. I can hardly cope with it if I don't work hard."
"Take your time! Don't be in a hurry. Your ability to adapt is still very strong. Yimin Fortune is the earliest profitable subsidiary of the entire group. You are doing very well."
Zhang Yida praised.
Ding Siyao was a little happy to be praised by Zhang Yida, and said: "Mr. Zhang, wait a moment, I will get you a glass of water."
Just when Zhang Yida was about to say no, she turned around and left the office.
Zhang Yida looked around the office and saw a bookshelf, so he walked over and looked through it. They were all financial and management books.
The book has many creases, and some pages contain notes and annotations. It can be seen that Ding Siyao often looks through these books.
"She is very hardworking and eager to learn." Zhang Yida thought to himself.
After a while, Ding Siyao made a cup of tea and brought it into Zhang Yida's office.
"Do you often read these books?" Zhang Yida asked while holding a book in his hand.
"Well, my experience and knowledge are still too shallow. I often encounter some problems that cannot be solved. I either ask Mr. Chen or Mr. Fan.
I’ve asked so many times that I’m embarrassed myself. I just bought some books and studied it myself.”
Ding Siyao did not hide anything and admitted it openly.
Zhang Yida put the book away, looked at Ding Siyao, and asked:
"Beijing University HSBC Business School MBA, are you interested in studying it? If you want to go, the company will pay for your registration."
"Can I?" Ding Siyao looked at Zhang Yida expectantly.
"What's wrong? You are the CEO of Yimin Fortune, so you have this qualification." Zhang Yida looked at her and said:
"The key is whether you want to go or not?"
"I want to go!" Ding Siyao nodded solemnly.
"Study hard when you go. You can repay me by earning 10 to 8 billion in the future." Zhang Yida joked.
"Don't worry, Yimin Wealth will definitely earn 1 billion for you in the future." Ding Siyao was very confident and directly promised Zhang Yida.
"Oh, so confident?" Zhang Yida was lying on the sofa in Ding Siyao's office, with his legs crossed, as if he was listening attentively.
Ding Siyao walked to another sofa, smoothed her hip-covering skirt and sat down, with her legs closed and her waist straight, and she reported to Zhang Yida:
“Currently we have acquired an insurance brokerage license and a fund sales license, and private equity fund management companies have also been registered with the China Foundation Association.
In the future, Yimin Wealth will only focus on the fields of wealth management and asset management, and all P2P businesses have been divested to the Yimin Financial Management Key Account Department.
In the future, I suggest opening a branch in Hong Kong to lay out global asset management."
Zhang Yida nodded and divested the P2P business to Yimin, which was also his instruction. After the bet was completed, there was no need for the P2P business of Yimin Wealth to exist.
This is also a risk segmentation. In the future, each major business segment will operate independently without interfering with each other and risks will not be transferred.
"Talk about your future positioning of Yimin wealth!" Zhang Yida wanted to see what skills Ding Siyao had learned after practicing for so long.
Ding Siyao thought for a long time and said: "After so long of reform and opening up, the number of people who got rich first is also very large.
In the future, Yimin Wealth will provide all-round services around this group of people, including investment immigration, high-end education, high-end insurance, global asset allocation, family offices, etc."
"Your positioning is very precise, and I agree with it. After Yimin Financial Management enters the capital market next year, the next step will be to promote the capital operation of Yimin Financial Management.
What you have to do now is to lay a good foundation, train a good team, and wait for the opportunity to come."
Zhang Yida has precise market positioning and cycle considerations for each of his major industries. He has already planned everything secretly. Now he just needs to take precautions with her first.
…
The Huinong Loan platform was officially established and affiliated to Yimin Financial Services and became a subsidiary.
The positioning of this platform is to take root in rural areas, serve tens of thousands of rural customers, and drive rural people to become rich.
The initial capital was 10 million yuan provided by the group, but no matter how much the board of directors disagreed, because most people were not optimistic about this project, they invested 10 million yuan as charity, making a profit at a loss.
Zhang Yida did not believe in evil and shouted at the project launch ceremony:
"I am here to set a goal. Within three years, Huinong Loan business outlets will cover the whole country, complete 10 billion in loans, and serve 500,000 borrowers."
This pie is a bit too big, and everyone thinks that if Yimindai and Yiminpuhui came to shout this slogan, there would be no problem at all.
Shen Beipeng and Xu Xiaoming also attended the project launch ceremony on behalf of the two institutional shareholders. They happily watched the high-spirited speech on the stage.
Xu Xiaoming whispered: "This goal is a bit big! Do you think it can be accomplished?"
Shen Beipeng glanced at him, then turned his attention to Zhang Yida on the stage and said:
"It's hard to say. He is a person who likes to create miracles!"
Xu Xiaoming nodded in agreement and said:
"This field is also very popular with society and the government! Look at how many reporters and media came to the hotel today."
A reporter asked: "Mr. Zhang, what considerations drove you to establish this Huinong Loan?"
Zhang Yida took the microphone and answered on the stage: "Because some parts of our country are still very poor and backward. There is a long way to go to realize the Chinese dream and create a moderately prosperous society in an all-round way."
As a socially responsible enterprise, Yimin Financial Services Group is eager to breathe and share the same destiny with the country, to rejuvenate our great Chinese nation, eliminate poverty and backwardness, and build a moderately prosperous society in all respects."
There was thunderous applause from the audience, this answer was very upright.
Another reporter asked:
"Mr. Zhang, who are the main people your Huinongdai provides loans to? In addition, what is the loan interest rate?"
Zhang Yida smiled and replied:
“Huinongdai, as a small and micro financial service institution rooted in rural areas, aims to tailor diversified financial services, mainly microcredit, for low- and middle-income groups in counties who cannot fully enjoy the services of traditional financial institutions.
products to help them develop industries, increase income, and realize a better life as soon as possible.
Specific service customers can be simply summarized as farmers, fruit farmers, vegetable farmers...
We promise that the loan interest rate will not exceed 24%. Each customer's risk rating is different and the interest rate is different."
Another reporter asked:
“With the annual interest rate on loans reaching a maximum of 24%, will it increase the burden on farmers?”
Zhang Yida knew that a reporter would ask this question, so he had already prepared his words and said:
“First of all, let me state here that Huinongdai is a commercial lending institution, not a public welfare institution.
Interest will definitely be charged when issuing loans. The current source of loan funds is cooperation with P2P institutions such as Ruimin Financial Management and Huimin Financial Management.
In other words, the money is invested by online lenders. They use part of their spare money for financial management, and they must earn a certain amount of income. We use these funds to lend them to farmers in need.
In addition, as a commercial institution, Huinongdai needs to maintain a certain level of profit in order to operate in the long term.
In the future, we will gradually reduce capital costs and operating costs, lower interest rates, and provide better and more favorable financial services."
Everyone in the audience nodded, approving Zhang Yida's idea. Loans are not for charity. It would be good if they could be given to farmers at a relatively favorable interest rate.
Many reporters asked questions, and Zhang Yida answered them one by one. He was not putting on a show, he really wanted to get involved in rural finance. It will definitely not make money in the early stage, but there is still hope for profit in the future.
Major media outlets also published reports:
"Yimin Financial Services Group enters agriculture, rural areas and rural areas loans to assist the construction of new rural areas"
"Huinongdai's three-year 10 billion loan plan"
"Committed to a loan with an annual interest rate not exceeding 24%, Huinong Dai's social responsibility"
…
Zhang Yida ignored these reports because he had already embarked on a journey to Ganzhou Province.
He was accompanied by Zhao Erya and several staff members.
Zhao Erya asked on the plane:
"Is Ganzhou Province fun? How many days should we stay?"
Zhang Yida Yile, who told you that I came here to have fun! But I thought I would be busy throughout the summer vacation, so I asked her to come to Ganzhou with me.
Zhang Yida smiled and said:
"When everything is done, I will accompany you to play for a few days! We are going to the countryside, so you must be mentally prepared."
Zhao Erya was unhappy and muttered:
"A rural area is a rural area. It seems like I can't bear the hardship."
"You'll know when you get there." Zhang Yida felt that he would be able to give her a big surprise.
The plane landed at Tianshui Maijishan Airport. When Zhang Yida and others walked out of the airport, they saw several people wearing white shirts holding a big sign that read:
“Welcome to Jingcheng Yimin Financial Services Group!”
Zhang Yida and others walked over and asked:
"Hello, are you a comrade from the GG County Poverty Alleviation Office?"
After learning that Zhang Yida was the chairman of Yimin Financial Services Group, several staff members shook hands with him warmly and asked him to get in the car at the roadside.
Zhang Yida and his party, a total of 6 people, plus several staff members who came to greet them at the airport, a total of 11 people, boarded three black Volkswagens and drove to their inevitable destination.