"Mr. Zhang, Mr. Lu Min and Mr. Lu are here. ”

Song Caiwei walked into Zhang Yida's office and reported at the door.

"Huh?" Zhang Yida was a little puzzled, Lu Min was the CEO of Miao Installment, and after investing 8 million yuan in angel investment to him, Zhang Yida rarely contacted him, and he didn't know what he was doing when he came to the door.

But since the person is here, Zhang Yida must still receive it, and said to Song Caiwei: "You let him in!"

Although Zhang Yida doesn't have much contact with Lu Min, he still knows the development of Miao Staging well.

Miao Installment completed the D round of financing of 100 million US dollars in April this year, and completed the D round of financing in one year after its establishment.

If there is no Zhang Yida's series of companies, Lu Min is definitely the most beautiful boy in the venture capital market in 14-15 years.

Lu Min wore a pair of glasses, and the whole person looked quite sven, he entered Zhang Yida's office with a smile on his face, and said hello:

"Mr. Zhang, long time no see! You are still as handsome and talented as ever. ”

Zhang Yida smiled and nodded to say hello, waved his hand to signal him to enter the tea room on the side of the office, and Zhang Yida also got up and entered the tea room.

"I heard that Ruixiang has completed another $2.5 billion in financing, which is still invested by six state-owned central enterprises, which is really amazing......

Among my peers at home and abroad, I dare to say that I can't find one more powerful than Mr. Zhang.

BAT, I think Ruixiang also has a good chance to be on an equal footing with them, or even surpass their ......."

Entering the tea room, Lu Min never stopped praising him. Zhang Yida did not exclude others from praising himself, but he didn't answer the call and made tea silently.

Lu Min talked there alone for a long time, and saw that Zhang Yida didn't talk much, so he straightened up and cut to the topic:

"Mr. Zhang, let's discuss something!"

"What's the matter?"

After Zhang Yida made the tea, he handed a cup to Lu Min and asked rhetorically.

Zhang Yida poured the tea himself, Lu Min was busy thanking him, and said: "Yes, about the E round of financing of Miao Installment." ”

"Rongbei! What is there to discuss. ”

Zhang Yida was very strange about Lu Min's reaction, didn't the previous rounds of financing inform Rui Xiang that it would be over?

This E round of financing, I also came to interview myself, it's too strange!

"Ahem!" Lu Min laughed dryly, and said: "The E round of financing is led by Leech Financial. ”

"Oh!" Zhang Yida exclaimed, took a sip of tea, and asked lightly: "Why do you want to let Leech Jinfu lead the investment?"

Lu Min couldn't guess Zhang Yida's thoughts, so he said honestly: "Ahri is willing to provide a traffic entrance for Miao Installment on the payment shell, and agree to let us access Sesame Credit."

The college student installment mall is not profitable at all, and after the company's research and decision, it wants to transform into a consumer installment platform for the masses. ”

Zhang Yida didn't speak, and the original installment of 8 million was just a casual son.

Is there a lot of potential? It's hard to define.

In the previous life, Miao Installment had been going uphill until the end of 17 years, and its market value reached a maximum of $11.5 billion shortly after it was listed.

Since then, it has been going downhill, and after the 180-day lifting period, the market value has hovered at more than $2 billion for a long time.

Why is this happening?

Lu Min's listing is too high-profile, and the issuance of loans to students is on the cusp, and the media likes to pick up the original sin of the enterprise......

There are many reasons, even if the net profit of three or four billion yuan a year is wonderful, it can't stabilize the stock price.

The best choice is to cash out a wave before the Qudian goes public, and then cash out another wave when it goes public, and clear the warehouse as soon as possible.

Zhang Yida didn't plan to use the money to do anything else, and donated all of it to the Hope Project.

At that time, Lu Min found Zhang Yidala to invest, even if Zhang Yida did not invest in the installment, there were other people or investment institutions to invest in the shares.

Zhang Yida grabbed some shares and could repay the society. Take it from the people, use it for the people.

Other venture capital institutions don't dare to do this. These are all huge profit returns for investors, and fund managers are not qualified to control them.

In the previous life, Leech Financial Services also invested in Miao Installment, and also provided payment for Bei traffic entrance and Sesame Credit.

But later, under the pressure of public opinion, the cooperation with Miao Installment was terminated, and all the Miao Installment stocks were cleared.

When Leech Financial was cleared, all other venture capitalists ran out, and the market value was less than 2 billion US dollars......

Half a year after listing, the stock price plummeted by 8%, and Lu Min taught American leeks a vivid lesson.

Until Zhang Yida was reborn, there were lawsuits between American leeks and Miao installments.

"Okay, as long as you think it's beneficial to the development of Miao's installment, let Leech Financial Services take shares!"

Zhang Yida readily agreed, and the investment of Leech Financial Services was the biggest boost to the take-off of Miao's phases in the previous life.

Even if Zhang Yida disagrees, the other shareholders will agree.

Although Ruixiang competes with Leech Jinfu, they are also in a dignified formation, and there is no need to play some small actions.

What's more, the investment of Leech Financial Services can also drive the business improvement and valuation/market value of Miao Installment.

Ruixiang will cash out more money in the future, and can also build a few more hope primary schools.

Lu Min felt a little surprised, he was ready to be sprayed by Zhang Yida, but Zhang Yida agreed lightly.

Who doesn't know that Ruixiang and Leech Financial Services are mortal enemies?

Including Lu Min, he has always thought that he is a member of the "Ruixiang Department", and now that he, the "number one horse boy", is about to defect to the enemy, Zhang Yida is not shocked at all, not surprised at all!

Lu Min thought about it, and there was only one possibility: Ruixiang didn't care about the wonderful staging and looked down on himself.

Thinking of this, Lu Min felt a little sour in his heart and a little resentful.

I have been in business for ten years, I have failed more than a dozen times, and now I am making such a big scene, but the result is still not taken seriously. I don't care about myself at all.

Lu Min secretly swore in his heart: We must hug the thighs of the leech suit, make the company reach a market value of 100 billion US dollars, and let all those who look down on themselves be slapped in the face.

Lu Min continued to chat with Zhang Yida for a few words, and then left Zhang Yida's office with a cold face.

Walking out of the gate of Ruixiang Company, Lu Min looked inside and cheered himself: Lu Min, come on! Stick to your dreams and trample Ruixiang under your feet in the future.

Zhang Yida didn't know what Lu Min was thinking, and he must have shouted that he was wronged.

let you go to the leech financial service, you feel that you don't pay attention to you;

If you don't let you take refuge, you probably think Rui Xiang is a villain.

......

"Mr. Zhang, once our financial supermarket raises the threshold of the cooperation platform, it will turn away countless small and medium-sized enterprises.

Revenues and profits are bound to be hugely impacted. ”

Gu Panpan came to Zhang Yida's office and persuaded him to take back his life.

"The development of enterprises cannot only focus on profits. It is also necessary to maintain the company's own brand and reflect the company's sense of social responsibility.

Look at how many P2P platforms have run away this year?

Although there are no problems with the platform we work with at present, it does not mean that there will always be problems.

Eliminating unqualified platforms is not only to be done now, but also in the future.

Even as a last resort, I would consider shutting down the business altogether.

The financial supermarket has 7 major business segments, and the Internet wealth management supermarket is only one of the branches.

Although it is the largest contributor to revenue, the proportion of revenue in the entire financial supermarket sector is gradually decreasing.

What does this mean? It shows that other business segments are developing rapidly.

With this energy, you might as well expand the business of the other 6 major business segments.

The decrease in the revenue of the Internet wealth management supermarket will be made up by other sectors!"

It is impossible for Zhang Yida to "weaken" the business strategy of the Internet financial supermarket to be shaken. He began to instill other ideas in Gu Panpan, wanting her to dispel her thoughts.

Gu Panpan frowned, thinking to himself, is it that serious? If necessary, the Internet financial management supermarket will be shut down.

She is an old courtier who started with Zhang Yida, and knows that Ruixiang's oldest business is the Internet financial management supermarket.

Although Ruixiang's current business is almost spanning the entire financial field, what she has the most feelings about is this Internet financial management supermarket.

Although the current Internet financial management supermarket is about to become a chicken rib, it has also condensed her countless efforts and done it bit by bit.

"Mr. Zhang, otherwise, we will increase the due diligence of the cooperation platform.

If there is a problem, we will terminate the cooperation and remove it from the shelves.

If there is no problem, we will continue to cooperate.

Ruixiang can have today, and it is inseparable from the long-term support of many old customers.

Now that I have such a hand, I am afraid that it will affect Ruixiang's reputation and reputation. ”

Gu Panpan still didn't give up, and was still trying to persuade Zhang Yida.

"The financial supermarket is no better than the other. The reason why users will invest in a certain P2P platform is inseparable from our diversion and recommendation.

Although we have made a risk warning, and a statement of responsibility is assumed.

But if a certain platform is really thundered, users who have suffered huge property losses will definitely blame us.

It is said that the accusations are light, and maybe you have to claim compensation and come downstairs to the company to pull banners to collect debts. ”

Zhang Yida knows nothing more than China's retail investors, and their awareness of investment risks is not high.

It's okay to say that there is no accident, but if something happens, you will definitely turn your face.

Not to mention Ruixiang, some relatives recommended their relatives to invest in P2P, and they became enemies when they lost money.

"Is it that serious?"

Hearing Zhang Yida say this, Gu Panpan's face became a lot heavier. She shuddered at the thought of hundreds or thousands of people coming to the downstairs of the company to pull up banners.

If that happens, Ruixiang's other businesses will also be implicated.

Of course, as long as Ruixiang gives all customers a cover, this phenomenon will not occur.

Users will also issue a good person card to Ruixiang and praise a good national enterprise.

But is it possible?

You earn the money, and the risk is borne by Rui.

"It's so much scarier than you think. We have seven major financial supermarkets, can you see what business overlaps between Leech Financial and us?

They are the only ones who don't have an internet financial supermarket and a loan supermarket.

However, the loan supermarket is coming soon, and they have invested in the wonderful installment, and they will soon help each other divert the flow, which is a loan supermarket in disguise.

Internet financial management supermarket, I guess Leech Financial Services will not dare to touch.

If I hadn't relied on it in the first place, I wouldn't have wanted to touch this mine.

Even if you carry a time bomb on your back at any time, you don't know when it will explode.

Do you think that those businesses that engage in P2P are formal? Now there are no regulatory constraints, and most of them are operated in a sassy manner.

Let's do it for the last year! At the end of 16 years, the Internet financial diversion business was completely stopped. ”

After listening to Zhang Yida's words, Gu Panpan looked at Zhang Yida and persuaded: "Mr. Zhang, it's so dangerous, or let's close this business now!"

Zhang Yida wanted to laugh, women are timid, and they swore to persuade themselves to keep the Internet financial management business, but now they are frightened by themselves and begin to persuade themselves to shut down the business.

"It's not that dangerous! There are many small enterprises that fish in troubled waters, and they have the weakest ability to resist risks.

Many of the large enterprises are still relatively compliant. ”

Zhang Yida knew that the thunderstorm in his previous life was in 17 and 18, especially in 18, and a bunch of large P2P died.

Before that, it was all small trash fish that died.

If it weren't for the bet, Zhang Yida would have wanted to jump out of the car now.

The business has also been done, and it is a hidden danger to keep the Internet financial management supermarket.