"Mr. Liang, it's still interesting for you financial planners. Ruixiang people are so arrogant that they look down on us and don't cooperate with us.

What's wrong with our Piggy platform?

The cumulative trading volume of tens of billions of dollars is no less than that of Yimin Netgold, which is listed in the United States.

From CCTV to local stations, all of them have advertisements for our Piggy Treasure.

In terms of scale, we have hundreds of branches and tens of thousands of financial planners across the country.

Rui Xiang really looks down on people, this kind of company will end sooner or later. ”

Liang Weimin smiled and looked at the pig treasure executive in front of him and said wine.

Some time ago, he imitated Zhang Yida's starting path and founded a wealth management supermarket and a loan supermarket.

The wealth management supermarket is named "Wealth Planner", and the loan supermarket is named "Borrowing Money".

Due to the lack of traffic, financial planners cooperate with some small P2P companies, and their business has not improved much.

But a few days ago, the executive of Zhu Zhubao found himself and wanted to sign a cooperation agreement with him on behalf of Zhu Zhubao.

"A big contract of 100 million. "It's a windfall from heaven, and Liang Weimin can't find the north.

In his mind, Zhuzhubao is currently the largest P2P company in the country, and advertisements are overwhelming.

Being able to cooperate with such a powerful company, financial planners can really be regarded as shit luck.

"Brother, let me tell you! Ruixiang is now valued at tens of billions of dollars, and he has long been unable to look down on this small deal.

But we are not the same as financiers, we are a startup.

We treat all customers equally, whether it is a contract of 100 million yuan or a contract of 10,000 yuan, we will do our best to provide customers with the best quality service. ”

Liang Weimin's words made the executives of Zhu Zhubao feel so cool in their hearts!

"Brother Liang, just saying this to you, I expected you to be a person who has achieved great things.

You have completed this 100 million yuan contract, and I will sign a few more contracts with you in the future.

One billion and eight billion, it is not a problem. ”

When Liang Weimin heard this, he hurriedly picked up his wine glass and said, "Big brother, come, I'll toast you." If you can give your little brother a hand, your little brother will be grateful. ”

Liang Weimin has heard the legend of Zhu Zhubao and knows that people are not bragging, and the company is really powerful.

I heard that there are so many beautiful women in the company, and they are all the boss's harem......

The LV stores in Beijing were all bought out by their company, and the company's monthly salary expenditure was more than 1 billion yuan......

Liang Weimin is very envious of this big guy!

For this kind of local tyrant, Liang Weimin's figure is very low, and the leakage points between people's fingers are enough to earn themselves.

Zhu Zhubao executives are very satisfied with Liang Weimin's upper path, and they like to deal with this kind of smart people.

After being full of wine and food, Liang Weimin invited the executives of Zhu Zhubao to go to the club to relax, ready to deepen the friendship, the three irons of life!

......

Inside the Pet.com office.

Lu Fenghai reported to Zhang Yida about his recent work, and he said: "Mr. Zhang, at present, the monthly GMV of PeTe.com has exceeded 500 million yuan.

But the business growth has slowed down significantly, after all, pet e-commerce is only a vertical segment of e-commerce, the ceiling is very low, and it feels like it is about to hit this ceiling. ”

"What do you think?" Zhang Yida asked.

After more than a year of experience, Lu Fenghai has a very good understanding of the pet market, he said: "The pet market, in addition to e-commerce and O2O services, there is a lot to do.

For example: pet sitting, pet food, grooming, photography, medical, social, funeral......

With so many subdivisions, I am the most optimistic about pet hospitals.

Without him, the market is the largest and most profitable. ”

"From the Internet to the entity, this step is a bit big!"

Zhang Yida knows that pet medical care is a good segment, but because it is a real industry, he is a little worried that Lu Fenghai will not be able to control it.

Lu Fenghai said: "Without relevant experience, we can take a smaller pace in the early stage and invite some professional managers in related fields."

According to reports, the average annual consumption of a single pet by cat and dog owners exceeds 5,000 yuan, and more than 400 yuan per month.

In addition to pet food, the biggest expense is pet medical care.

A dog needs to be vaccinated against rabies once a year, 480 yuan for 1 shot, dewormed once every 3 months in vitro and once a month in vivo......

If cats and dogs give birth and get sick, it will be more expensive.

If we can build a chain pet medical brand in the country, and the online drainage by Peite.com, the business will definitely be good.

At present, China's pet ownership has ranked third in the world, but the proportion of pet families is only 6%, far less than the United States, Germany, Japan and other countries pet market penetration rate of more than 30%, China's pet market development space is still very large. ”

"The 250 million yuan of the A round of financing is only tens of millions left, which is not enough to open a pet hospital, right?" Zhang Yida asked.

In the past year, Peite.com has been increasing market subsidies and attracting new promotions, if it weren't for the considerable profits in the pet market, this financing would have been spent a long time ago.

Lu Fenghai nodded and said, "It's true that the funds are not enough, and a new round of financing needs to be launched." ”

"Okay, then another round of melting, test the waters of pet medical care. ”

Pete is one of the slowest growing industries in Zhang Yida's industry. Since Lu Fenghai wants to pursue development, Zhang Yida has no reason to object.

......

"Peter.com predicts that the GMV in 15 years will be between 4 billion yuan ~ 5 billion yuan, and the median value will be 4.5 billion yuan.

According to the GMV valuation method, GMV multiplied by 0.6 is 2.7 billion yuan.

It's okay to estimate 2.7 billion yuan before investment, right?"

Zhang Yida set his sights on Zhang Sanshi of Gaoling Capital, this capital tycoon is very interested in the pet market, and when he heard that Pete was going to be financed, he came non-stop.

"No problem, as of September this year, the GMV of Pete has reached nearly 3 billion yuan. There are still three months to go, and I believe that the completion of 1.5 billion yuan GMV is not a problem. ”

Zhang Sanshi lifted his glasses, put down the Pate net financial report in his hand, and said with a smile.

Zhang Yida likes this kind of cheerful person, and said: "Then the B round of financing will raise 300 million yuan! Just enough for the post-investment valuation of 3 billion yuan." ”

Zhang Sanshi was a little too little, and said: "Yida, your e-commerce business promotion can't be stopped, and you have to open a pet hospital." 300 million yuan is a little less!

Zhang Yida shook his head and said with a smile: "Take your time! The pet e-commerce business is almost balanced, and the pet hospital is just testing the water."

Once the model is tried, follow-up financing will definitely be launched. ”

Zhang Sanshi knew that Zhang Yida wanted to launch the pet hospital brand, and then start a new round of financing after the valuation was greatly increased.

This is indeed the most cost-effective for the founder, avoiding excessive dilution of equity and raising more funds.

So Zhang Sanshi stopped persuading, sighed, and said, "Okay! 300 million is 300 million." These days, I can't invest money if I want to, it's difficult!"

Then, Gaoling Capital began to conduct due diligence on Peite.com, including financial data, operational data and other aspects.

After the due diligence was completed, Zhang Yida and Zhang Sanshi signed a Series B financing agreement on Peite.com.

Based on the pre-investment valuation of RMB 2.7 billion, Gaoling Capital invested RMB 300 million in Petra.com, bringing the post-investment valuation of Petra.com to RMB 3 billion.

After the B round of financing, the shares were changed to:

Zhang Yida: 52.488%

Lu Fenghai: 5.832%

Option Pool: 6.48%

Blackshirt Capital: 11.52%

Zhenke Fund: 6.48%

IDG：3.6%

SoftBank: 3.6%

Gaoling Capital: 10%

After receiving 300 million yuan in venture capital funding, Petra.com started the buy-buy-buy mode.

In Beijing, Modu, Chang'an, and Rongcheng, they each bought a pet hospital and named it "Pate Pet Hospital".

These four cities have the most pets in the country, accounting for 24% of the market share of the 100 billion pet market.

Because the market is large, the competition is also more intense.

Lu Fenghai ordered the program ape to upgrade the function of Pete.com, and added a "pet online consultation" function on the APP and web page.

Users only need to go through the online consultation to connect to the pet hospital.

The pet hospital has a special person responsible for answering questions online, helping users solve simple illnesses online, and mailing pet medicines to users.

For complex diseases, it is recommended that users go to offline hospitals for treatment.

As soon as this function was opened, it was well received by the majority of users, and a large number of users consulted pet doctors online every day.

Many users are also complaining that there is no Pate pet hospital in their city.

Lu Fenghai struck while the iron was hot, and successively acquired and renovated several Pate hospitals in several cities, and the business was also very hot.

The test of the pet hospital can be regarded as a great success.

......

"Mr. Zhang, the "smart token" cooperated by the investment and finance exchange and the four major banks has been tested for many rounds, and its performance is very stable, and it can be officially launched. ”

"Really? I'll try. ”

After Zhang Yida upgraded the investment and financing app, he logged in to the APP to find the one-account service page and clicked in.

A message pops up alert:

"Detected user one-account authorization: Peite.com, Kawang Credit Card Manager, 365 Bookkeeping Manager, Yimin Net Finance...... and dozens of other APPs.

Users can freely check the buttons of the four major lines of industry, agriculture, China and construction behind the logo of each APP.

After the bank card is bound to the account, you can authorize the above APP to automatically bind/unbind the card through the account, and there is no need to go to the third-party APP to bind/unbind the card.

Realize "once the card is tied and used everywhere". ”

Zhang Yida was at the back of Peter.com, and checked the Bank of China and the China Construction Bank. and checked the Industrial and Commercial Bank of China and the Agricultural Bank of China behind Yimin Net Finance.

Then Zhang Yida logged in to the Pete APP, looked at the card binding situation, and sure enough, he was bound to the Bank of China card and the CCB card.

Yimin Netfinance is the same, with an ICBC card and an ABC card.

Zhang Yida went to the one-account service page of the investment and financing APP again, and closed the "binding authorization" of the bank cards of Peite.com and Yimin Netjin.

went to log in to the Peite.com and Yimin Netgold APP, and sure enough, the bank card was unbound.

The development of this smart token is not too difficult, and it is mainly necessary to connect with the four major banks and the cooperative APP of Investment and Finance Huiyiwangtong.

With this "artifact", users who use the investment and financing account can repeat a lot of card binding actions in the future.

In the past, every time a user registers an APP and wants to bind a card to this APP, they must first authenticate their real names, and then enter the card number one by one.

Now, as long as it is the cooperative APP of the investment and financing exchange, users can "bind the card with one click", and the switch is in the investment and financing APP.

However, there are not many cooperative APPs of Investment and Finance, mainly enterprises under Zhang Yida's name.

In the next step, the wisdom token will be expanded to enterprises in which Ruixiang invests and invests.

Waiting for Yiguantong to cooperate with hundreds of mainstream APPs on the market, the product is basically considered a success.

Small and medium-sized enterprises, Zhang Yida is also more confident to win cooperation. Like BAT, it will definitely not cooperate with the investment and financing of the account.

But Zhang Yida doesn't care, it's nothing less of them.

As long as the top 100 Internet companies cooperate with most of them, basically this smart token can reflect the effect of convenience.