"Yida, I heard that you just bought a building, congratulations!"

Zhang Yida was also a little curious, how did Hu Gang remember to call himself.

"Brother Gang, thank you for the flower basket!"

A few days ago, when Ruixiang moved to the joy of housewarming, Han Group also sent a flower basket, but neither Hu Gang nor Wang Xiaojie was present in person. Zhang Yida hasn't seen these two people for a long time, and I don't know what they've been doing recently.

"Ruixiang Group's momentum today is higher than last year. ”

Hu Gang was also very emotional in his heart, he could afford to buy a building for 3 billion, and Ruixiang Group had really grown.

He now has a headache when he hears the number of 3 billion, other people's 3 billion bought a building, and his own 3 billion in exchange for hundreds of millions of zombie registered users.

"Yida, I'd like to ask you for a favor!"

Zhang Yida's heart tightened, and he was most afraid of hearing such words. It's like an ordinary person hearing a friend ask for money.

"Brother Gang, you don't have to be so polite, I will definitely help if I can. ”

"Loan Bei is running into some problems now, you are an expert in the Internet, I want to ask you to help show the way!"

It's not just about borrowing money, Zhang Yida's heart is put in his stomach.

"Is it because of the fruit strip?"

Hu Gang's face was a little ugly, and he said after a while: "You have heard about it too?"

"Uh...... After all, there are so many media reports, and I have heard of it~ I have heard of it. ”

"Actually, this matter, our loan Bei was also exploited by criminals, and we are also victims. ”

"I understand, that's how society is now. The forest is big, and there are all kinds of birds. ”

Hu Gang didn't know if Zhang Yida listened to his explanation, and now he can't care so much.

"Yida, you were also there when you borrowed Bei to sign the bet last year, and the gambling required us to reach 80 million daily active users at that time, but looking at it now, it is estimated that it will not be completed......"

The more Hu Gang spoke, the quieter he became, with a hint of resentment.

Zhang Yidalen, this is not something I forced you to sign, although the bet is a good idea I proposed, but you can't finish it, and you can't rely on me?

"Brother Gang, I didn't know what you meant......"

"You've made up so many popular apps, can you give two tricks?

In addition, after the matter is completed, I will personally give you 20% of the shares of the loan!"

According to the current valuation of 52.5 billion yuan, which is a bit fictitious at the time of the loan, 20% of the shares are 10.5 billion.

But is Zhang Yida so easy to buy?

Zhang Yida sighed, "Brother Gang, I understand your kindness, all my companies, only Ruixiang can reach 80 million daily active users."

I'm afraid I'm going to fail your expectations! ”

Hu Gang was a little disappointed, and he took out "tens of billions" of shares as a thank you gift, but he couldn't take out any tricks from Zhang Yida's mouth.

It seems that the bet is lost. Counting the 15% premium repurchase, there will be another loss of 375 million.

"Yida, why do you think I stupidly agreed to this obviously unfinished bet in the first place?"

Judging from the hot scene at that time, Loan Bay had a chance to complete this bet.

But who would have thought that users would uninstall the app after receiving a reward?

If you want me to say, the content and service packages of the APP have not kept up.

However, the information of your hundreds of millions of users is not a loss, and if you think of other ways, you still have a chance to earn it back. ”

Hu Gang felt that he was still too inflated at that time, and shouted a pre-investment valuation of 50 billion to the borrower.

Burning money has burned this chicken feather!

"Yida, I'll sell you the loan, do you want it?" Hu Gang suddenly said.

Zhang Yida paused for a moment, what am I doing with it! At least 5 percent of your hundreds of millions of users are from us.

The number of overlapping users is at least as high as 50%. I have a hairy use? Learn from you to put a strip and be educated by various social public opinion in turn?

"Brother Gang, you're kidding, more than 500 billion, I can't afford it. ”

"You don't need 500 billion, 50 billion will be sold to you, we have more than 100 million users, and it is very cost-effective to calculate less than 30 yuan per user. ”

"The main thing is that it's useless for us to buy it, and the board of directors will definitely not agree. ”

Zhang Yida scolded in his heart, it's all on this, and he still wants to sell 50 billion, and 500 million Lao Tzu won't buy it.

"What about 3.5 billion? We don't make any money, just get back the cost of promotion.

If the loan falls into your hands, it should be of greater use.

Didn't you buy a two-dimensional website B recently? I heard that the broken website is 1 billion US dollars.

It's not even worth half of it to borrow money?"

Zhang Yida smiled bitterly, I can't answer what you say!

In the future, the market value of tens of billions of US dollars, the loan Bei will not even be able to go public, which is a big difference.

"Brother Gang, for us, there is indeed no acquisition value for us.

I'm not saying that borrowing and lending has no value, but for us, it doesn't play a complementary role.

The kind of point-to-point borrowing that kind of borrowing Beibei, Yimin Netfinance, and Ruimin Wealth Management are all like this. ”

Hu Gang also somewhat understood what Zhang Yida meant, but he couldn't look down on loans, and 3.5 billion was too expensive.

"Okay, I'll figure it out for myself!"

After hanging up the phone, Hu Gang decided to start a complete stop promoting and carry out profitable projects from now on. Regardless of anything else, at least get back the investment capital of more than 3 billion yuan first.

"Mr. Hu, are you looking for me?" Wang Lu walked into Hu Gang's office.

"I think the overdue management fee you mentioned last time is a bit low, so it should be a little bit more expensive, right?"

Wang Lu thought for a while and said, "Well, let's change the system so that the overdue management fee will be added up to 30% of the principal according to the increase in the overdue duration." ”

"By the way, there are still people urging, how many registered collectors are there now?"

Wang Lu replied: "There are more than 300,000 people. ”

"I remember that this product is to put the customer information of overdue loans on the Internet, anyone can urge, urge back, and the loan will be considered a commission, right?"

"Yes. Wang Lu nodded, "This product can be regarded as lowering the entry threshold for collectors, calling on the whole people to participate in the action of cracking down on the old lai, and it can be regarded as making a great contribution to the construction of a credit society." ”

"Okay, stop shouting these empty slogans! Grab all these projects and strive to make some profits first. ”

……

Sichuan Shu Xingwang Bank was officially approved by the China Banking Regulatory Commission (CBRC) for the establishment of the bank, becoming the seventh private bank in China to be approved for establishment.

Recently, Xingwang Bank was approved to become an Internet hotspot, that is, the third Internet bank of WeBank and MYbank.

The first to fourth largest shareholders of Xingwang Bank are Xinwang Group, Ruixiang, Rice and Black Flag Chain.

Xinwang and Heiqi are both local A-share listed companies in Sichuan and Shu, while Ruixiang and Rice are super unicorn companies valued at tens of billions of dollars.

Under the strong alliance, the outside world is very curious about whether Xingwang Bank has a chance to surpass the old WeBank and MYbank.

In a private club in Beijing.

There was a banquet going on, and there were only four people sitting at the big round table, namely Liu Yonghao, Zhang Yida, Lei Jun and Cao Shiru.

"Come, this cup, to celebrate the official approval of our Xingwang Bank. ”

Liu Yonghao stood up, picked up his wine glass and congratulated loudly.

"Mr. Liu, the bank has been approved, and you have contributed a lot to it, and we should respect you for this cup. ”

Lei Jun is right, Liu Yonghao, as a major shareholder, does contribute more.

Zhang Yida also spoke out in agreement with Lei Jun, "Yes, Mr. Liu, we respect you for this cup." ”

Liu Yonghao waved his hand, "Everyone is a partner, so don't be so polite." ”

"The bank was approved, and in the next preparation process, a large number of software engineers and R&D engineers in financial technology were needed.

In this regard, Yida, Mr. Lei, only the two of you have a lot of support.

The senior talents of Xinwang Group are all engaged in biotechnology research and development. ”

"There is no problem at all, and the rice group can send a team of people to join Xingwang Bank at any time. ”

Lei Jun smiled and expressed his attitude, and Zhang Yida also said: "It's no problem to be sharp here." ”

"Yida, I heard that Ruixiang has also invested in Jincheng Consumer Gold?" asked Liu Yonghao.

"Yes, this is also some layout for licensed consumer finance. ”

Lei Jun said with a smile: "Ruixiang is silent, and all the domestic financial licenses have been collected."

Bank-Securities Basic Insurance, Consumer Finance, Payment, Online Small Loans, Fund Sales, Insurance Brokerage, Insurance Agency, Financing Guarantee, ......"

"There's still a trust license left!" Ms. Cao added.

Seeing several bigwigs taking stock of their financial licenses, Zhang Yida said with a smile: "Ruixiang is engaged in the financial industry, and you must get a license!"

Sister Cao is right, there is still a trust license missing. There are 68 in the country, I want to, if you have resources, you can introduce them!"

"Trust licenses are too scarce and rarely flow out of transactions. Liu Yonghao said again: "As long as you are patient, you can still meet every few years." ”

"Don't force it, let it be!"

"You're in a good state of mind!

Lei Jun asked again: "I heard that Ruixiang invested in Transsion mobile phones?"

"yes, we're going to go to the African market and develop it. ”

Cao Shiru praised: "Yida, your career has gone to Africa? It's really amazing, the Black Flag Chain hasn't even rushed out of Sichuan and Shu Province!"

"Africa to promote mobile payments?"

Seeing that Lei Jun seemed to be very interested, Zhang Yida explained: "Because of war and disease in Africa, few countries are suitable for promoting mobile payment.

Let's just go over and plant a flag and stop there. ”

"Pre-installed software, right?"

Zhang Yida nodded and admitted, Lei Jun is engaged in mobile phones, and the cooperation and promotion here are clear.

"Rice is doing very well in India, factories have been opened in India, and many Indians think that rice is their domestic mobile phone. ”

Zhang Yida brought the topic to Lei Jun again, and the latter smiled: "Isn't there a mobile payment company in India?

"Rather than pre-installing software, I would like to set up an Indian joint venture finance company with rice. ”

Zhang Yida is very greedy for the installed capacity of rice in India, and the reputation of rice in India is very good.