After saying goodbye to his parents at the airport, Zhang Yida returned to the capital alone.

As soon as they arrived in the capital, they immediately threw themselves into the intense work.

First of all, on the side of Yimin Investment Management Company, due to the increasingly complex business, in order to facilitate management, Zhang Yida carried out a group reorganization:

Yimin Investment Management Co., Ltd. was changed and upgraded to Yimin Financial Information Service Group, referred to as "Yimin Financial Services".

There are 4 wholly-owned subsidiaries under its umbrella:

The main operator of Yimin Wealth Management Platform, Jingcheng Yimin Wealth Management Internet Financial Services Co., Ltd.;

Yimin Wealth Operating Entity, Jingcheng Yimin Wealth Management Co., Ltd.;

The main operator of the online loan platform Yimin Loan, Jingcheng Yimin Loan Financial Information Service Co., Ltd.;

The main operating body of the offline loan platform Yimin Puhui, Jingcheng Yimin Puhui Information Consulting Co., Ltd.

In 2014, Yimin Financial Services is ready to take three steps:

The first step is to reduce the financial cooperation of external lending companies, and gradually lend funds from its own platform Yimin Loan and Yimin Puhui.

The second step is to completely stop the capital cooperation of external loan companies, and let the self-owned loan platform complete the lending.

The third step is to connect the self-owned loan platform to other financial institutions, including but not limited to banks, P2P, small loan companies, etc.

When Zhang Yida announced the news at the meeting, Chen Shaojie looked excited.

Chen Shaojie knows that the opportunity for Yimin Loan and Yimin Inclusive is coming, and it seems that the group will increase the resource tilt of the loan platform this year.

Zhang Yida continued:

"At present, my thinking is this, the loan platform is walking on two legs, online and offline.

Yimin Loan Online Loan Application Platform will increase cooperation with Ruixiang, and Ruixiang will be responsible for traffic input and customer recommendation. Yimin Loan should do a good job in review, disbursement and post-loan management.

At present, there is only one Yimin loan product, and the APP is named Yimin Loan Loan.

The customer application process is to download the APP, register and log in, and upload the information for authorization. It includes uploading ID cards, authorizing the People's Bank of China to inquire about credit information, social security provident fund, uploading credit card bills and so on.

Yimin Puhui will open two branches in Beijing and Rongcheng to carry out pilot work. If the effect is good, it will be replicated and promoted on a large scale across the country.

At present, there are 3 types of Yimin inclusive products, housing easy loan, car easy loan, and credit easy loan. Corresponding to the application qualification, housing, car, and credit.

The customer's application process is first signed by the loan store clerk, the information is uploaded to the system background, the risk control system conducts a preliminary review, and then the manual reviewer conducts the final review.

There are three biggest difficulties in the development of loan business, customer acquisition, risk control, and collection, which correspond to three links before, during, and after the loan.

Customer acquisition can be supported by Ruixiang, risk control is completely dependent on our own technology, collection by ourselves within 3 months of overdue customers, more than 3 months overdue customers to the cooperative asset management company for follow-up.

I am most concerned about risk control, Mr. Chen, is there a problem with this one?"

Chen Shaojie saw Zhang Yida looking at him, raised his chest confidently, and said:

"Mr. Zhang, you can rest assured that the Eagle Eye system we developed has gone through many rounds of testing, and can complete more than 300 dimensions of information collection, identification and cross-verification within 30 seconds. Under the eagle's eye, it is guaranteed that the old man has nothing to hide. ”

Zhang Yida smiled and said, "That's good! I'm looking forward to Hawkeye's performance." ”

Of course, he is looking forward to it! He worked hard to recruit dozens of programmers in the field of big data technology application and senior risk control personnel of the bank to join Yimin Loan.

Let these dozens of technical elites work for several months, and they are still working overtime during the New Year, and they have worked hard to finally spend 30 million yuan to create this set of risk control system.

If this system hits the streets, Zhang Yida is afraid that he will be mad. You must know that the capital chain of Yimin Financial Services is very tight, and after spending 30 million yuan to invest in risk control research and development, the group's working capital is less than 70 million.

Yimin Financial Services is now riveting up and down, and it is necessary to make a beautiful turnaround this year, complete the bet, and take off the hat of loss.

Ding Siyao, Fan Hongyang, and Chen Shaojie also took the lead in rushing to the front line. The whole company is running at high speed like a sophisticated engine.

Ruixiang Jinke Group has set up two new subsidiaries, namely Jingcheng Mung Bean Credit Management Co., Ltd. and Jingcheng Tiance Technology Co., Ltd., and the number of subsidiaries has reached 7.

What do Mung Bean Credit and Tiance Technology do?

In Zhang Yida's planning, Mung Bean Credit is a product that objectively presents an individual's credit status through cloud computing, machine learning and other technologies.

Based on the Internet financial data of Ruixiang Jinke's products, and establish data cooperation with public institutions and partners such as social security inquiry network and housing provident fund inquiry network.

Different from traditional credit data, mung bean credit data covers almost all financial asset fields such as credit card repayment management, loans, transfers, wealth management, social security provident fund payment, financial bookkeeping, etc.

By analyzing a large number of financial transactions and behavioral data, "Mung Bean Credit" can evaluate the credit of users, which can help Internet financial enterprises to draw conclusions on the user's willingness to repay and repayment ability, and then provide users with fast credit and cash installment services.

Therefore, after the product is formed, Mung Bean Credit will continue to cooperate with major Internet financial platforms to earn cooperation fees, and will further absorb data from other platforms to improve its products.

Again, it will continue to consolidate the position of Ruixiang Technology as a "third-party Internet financial technology service platform".

Tiance Technology provides big data analysis products, operation and risk control solutions for Internet financial enterprises.

To put it simply, it is to sell an advertising analysis system, plus an operating system, and a risk control system.

Ruixiang Technology started with traffic advertising, selling advertising analysis systems, which is definitely a golden signboard, and there is a steady stream of customers.

The operating system is also very marketable, and the growth rate of Ruixiang Technology is the best advertisement.

As for the risk control system, it is necessary to cooperate with Mung Bean Credit to collect and analyze the data of the entire Ruixiang Jinke Group to form various reports, and finally refine a mature risk control system.

In the future, the cooperation with major Internet financial companies will not only be limited to customer acquisition advertising and traffic, but also credit management, technology output and other aspects.

may also form a fierce competition with Leech Financial Service, which is exciting and sour when you think about it.

At the next high-level meeting of Ruixiang Jinke, Zhang Yida issued several orders:

"First, accelerate the incubation of the two major projects of Mung Bean Credit and Tiance Technology, and the task is adjusted to the highest priority of the group, and all resources are prioritized.

Second, establish a government public relations department and carry out cooperation with various government websites such as the social security inquiry network and the provident fund inquiry network. After the cooperation is reached, the social security and provident fund inquiry portals will be opened in each product APP of the group, and relevant data will be collected after obtaining the user's authorization.

Thirdly, on the basis of the existing B2C cooperation in Internet finance, the strategic layout of Dama Payment will horizontally develop other industries, such as developing cooperation with game companies to provide them with recharge payment portals. ”

Speaking of this, Zhang Yida paused, glanced at the senior executives of the subsidiaries present, and said lightly:

"Have you played the WeChat red envelope for this year's Spring Festival?"

Lin Zhenyang said with a smile: "After playing, I sent out thousands of red envelopes, this idea is really interesting." ”

"Yes, this plan is too good, it's the first time in the world. ”

"I think the penguins have another killer feature, and the giants are getting bigger and bigger!"

......

Other executives also made some comments, praising penguin products and cattle, planning cattle and the like.

Seeing that everyone was getting more and more excited about the discussion, Zhang Yida waved his hand to stop everyone, and after being quiet, he spoke:

Jack Ma called the WeChat red envelope a sneak attack on Ahri's Pearl Island launched by penguins.

You know why?

They are all seizing the C2C personal payment market.

What's the use of robbing?

Do finance, do big data finance.

If finance is the blood of the economy, then payment is the blood vessel of finance and the core infrastructure of a country's financial system.

What am I saying this for?

The future is the era of cashless transactions and digital payments.

We are sharp to hold the Internet payment plus mobile payment license, how can we not rush in and get a piece of the pie?

Moreover, the payment data is related to our entire financial strategy, and without this part of the data, there is no way to improve the products of Mung Bean Credit and Tiance Technology.

Therefore, no matter how hard it is, we have to start this project.

If we don't do it, we may fail, and if we don't do it, we will always be trapped in a corner and make some bitter money!"

Seeing that Zhang Yida was more and more interested, Lei Dongming couldn't help coughing his throat and reminded:

"Mr. Zhang, we all understand what you said. I also understand the importance of strategy, but what are we going to do with the giants? It is impossible to get a burning stick to resist the aircraft artillery?

Moreover, the company does not have sufficient liquidity now, and taking too many projects at once will only distract us and cause great pressure on the company. ”

Zhang Yida glanced at Lei Dongming, and Lei Dongming looked at him sincerely.

After Lei Dongming came to Ruixiang, he liked the positive energy and vibrant environment here, and the company's business has been steadily rising.

But now that such a big strategic project is about to be launched, he is afraid that the good situation that Ruixiang has managed to fight will be dragged down, so he can't help but bluntly admonish.

Zhang Yida looked at Lei Dongming, who was very hard-headed, with appreciation, smiled at him, and then said:

"Mr. Lei asked this question very well?

What do we do to compete with the giants? And the company's energy will be distracted, which will put a lot of pressure on the company.

I'm here to explain that I'm not asking you to die, I already have a complete plan. Fighting with giants, it's useless to rely on head iron alone.

At present, the company is still focusing on the development of mung bean credit and Tiance technology.

However, we have to make a splash first for personal payment C2C.

Next, we are going to start the B round of financing, half of the money raised will be given to Mung Bean Credit and Tiance Technology, and the other half will be invested in the payment battlefield.

If we can hold a part of the share in the payment battlefield, we can launch a Series C financing with a 5% or 10%.

As long as there is market share there, even if it is not much, VCs will add to us.

What is venture capital? Institutions that seek high returns in the midst of high risk.

They bet on Ahri and Penguins, and even if they win, how many times will they earn? 0.5 times? 1 times?

Besides, now the giants are not short of money and will not take their money.

If we bet on our victory, or say that we have three points with the giants, it is not uncommon to have a base of 10 times the return, dozens of times.

What to do? We don't have to teach them.

All we need to do is take a position on the payment battlefield, hold it firmly, and look for opportunities to expand.

As long as we are victorious, the supply of ammunition in the rear will be endless. ”