Zhao Erya has been very happy recently, and she is finally with Zhang Yida.

In his spare time, he occasionally makes an appointment with Zhang Yida to eat and go shopping.

For example, Zhang Yida didn't have anything important to do today, so he went shopping with Zhao Erya, which can be regarded as relaxing and relaxing!

After getting in the car, Zhang Yida asked:

"Where are we going today?"

Zhao Erya smiled sweetly and said:

"Let's go to Sanlitun, there's a new Uniqlo there, and I haven't been there yet. ”

Zhang Yida was drinking water and almost choked when he heard it. I'm going, Sanlitun Uniqlo, and I think of the jokes of the later generations.

"A hundred years can be repaired in the same boat, and a thousand years can be repaired to Uniqlo. ”

"The most beautiful thing is not the rainy day, but with you in the fitting room. ”

I couldn't hold back my laughter, "Hahaha".

Zhao Erya looked at Zhang Yida, who was smiling nervously, and thought that it wouldn't be because of the pressure at work recently, and he was about to go crazy!

Some distressed hugged Zhang Yida, put Zhang Yida on his ear and said:

"Don't be in too much of a hurry, just take your time and take it slowly.

You're already too much ahead of your peers, stop running so desperately.

Even if you don't achieve anything, I still like you. ”

Zhang Yida patted Zhao Erya on the back and didn't speak.

The two drove to Sanlitun and accompanied Zhao Erya for a stroll, not the kind of staging room that went to the fitting room.

The days passed quickly, and the final exam ushered in in a blink of an eye, Zhang Yida also took the final exam, relying on the memory of his previous life, he made a temporary surprise before the exam. Zhang Yida himself feels that he should be able to cope with the past and will not fail the course.

Ruixiang Financial Technology Group and Yimin Investment Management Co., Ltd.'s financial statements and operating statements have been submitted.

As of now, the total number of users of the Touronghui Financial Supermarket APP has reached 20 million, the number of registered users of the 365 Accounting Butler APP has also exceeded 20 million, and the range of users of Kawang Credit Card Butler is slightly narrower, which can reach 12 million.

The investment and financing financial APP was launched later, with only 2 million users, but the cumulative number of followers in Weibo, forums, Zhihu, official accounts and other self-media has reached 5 million.

Of course, it is announced that the total number of users of the entire group has reached 60 million.

In fact, after deducting some overlapping users, the overall user base is 40 million.

Despite this, the mutual fund companies in the outside world are still rushing to cooperate, after all, the flow of mutual funds here is too huge, and at the same time it is very accurate, and the cooperation effect is quite satisfactory to all parties.

Therefore, in the whole year of 2013, Ruixiang Jinke Group has recorded an operating income of 256 million yuan in the first year of its establishment.

Among them, the advertising revenue of financial recommendation diversion was 200 million yuan, accounting for 78.1% of the total revenue.

The advertising revenue of the loan supermarket recommended diversion was 30 million yuan, and the total amount of loans matched was 3 billion yuan, accounting for 11.7% of the total revenue.

Soon after the credit card supermarket sector was launched, a total of 100,000 credit cards were handled, and the price of cooperation with banks was an average of 100 yuan per card, so it recorded 10 million revenues, accounting for the smallest proportion of total revenue, only 3.9%.

Mobao paid more than 1,600 yuan in revenue, and the net profit was -9 million yuan, accounting for 6.3% of revenue.

The gross profit of the whole group is about 150 million yuan, but after deducting the group's own advertising expenses of 50 million yuan, R&D investment expenses of 30 million yuan, office expenses and employee salaries of 20 million yuan, and the loss of Mobao payment is 9 million yuan.

In the end, the company's pre-tax net profit in 2013 was 41 million yuan.

In addition, the acquisition of Mobao paid 60 million yuan and injected 40 million yuan.

Series A venture capital received 50 million US dollars, equivalent to 305 million yuan.

The entire Ruixiang Jinke Group has a total of 246 million cash reserves and short-term wealth management funds.

On the side of Yimin Investment Management Company, the development is also gratifying.

Up to now, the registered users of Yimin Wealth Management APP have reached 200,000, including 150,000 trading users, the cumulative transaction amount of the platform has reached 1.2 billion, and the balance of loans is 330 million.

On the side of Yimin Wealth, the turnover reached 200 million, because they are all long-term bids from 6 months, so the platform is also 200 million. Even if no one invests in the next few months, the pending income will remain at 200 million.

If calculated according to the starting time of the VAM on January 1, then as of the end of January, the total turnover of Yimin Wealth Management is 700 million yuan, and the total turnover of Yimin Wealth is 200 million, and the total turnover of Yimin Wealth is 200 million, and 200 million yuan is to be collected.

The total turnover of the two is 900 million, and 380 million is to be collected. If you can't see any problems with the goal of completing the bet, there is no big problem.

Zhang Yida finally breathed a sigh of relief, and betting on this really put a lot of pressure on him.

However, after reading Yimin's financial report, the financial data is not optimistic, and the funds are consumed quickly.

The income seems to be considerable, first of all, it has cooperated with a microfinance company to issue a loan of 500 million yuan a year, and charged 100 million yuan in cooperation fees at an annualized rate of 20%.

But this 100 million yuan needs to be distributed to users as user revenue in the next year. Only 30 million or 40 million can be recognized as profit after deducting the user's interest.

Sales expenses, Yimin Wealth, to raise 200 million funds, need to pay 6 million cooperation fees to major 4S stores.

The sales expenses of Yimin Wealth Management are divided into two parts, 30 million yuan was spent on advertising parties such as Ruixiang Technology, and 8.6 million yuan was spent on investment vouchers for users to distribute registration red envelopes to users.

This is still the result of adjusting the rules for the use of the 888 yuan red envelope given by users when they sign up.

Originally, it was an investment of 1,000 yuan, 3,000 yuan, and 10,000 yuan a month, and three red envelopes of 80 yuan, 258 yuan, and 550 yuan could be used respectively.

Now it has been changed to 1,000 yuan for 18 yuan red envelope, 3,000 yuan for 28 yuan red envelope, 10,000 yuan for 68 yuan red envelope, 30,000 yuan for 168 yuan red envelope, 50,000 yuan for 368 yuan red envelope, 100,000 yuan for 668 red envelope.

A total of 1,318 yuan registered red envelopes and 6 investment vouchers. And 3 larger red envelopes need to invest in the 3-month standard to be activated, and 3 smaller red envelopes can be activated by investing in the 1-month standard.

There are many benefits to this, the first is to reduce operating costs, and the second is to guide users to invest a larger amount and longer target through red envelopes.

In terms of office expenses, the office space was expanded to 2,000 square meters, and the monthly rent required 600,000 yuan a month, and it cost 3.6 million yuan to pay the half-year rent.

In terms of personnel salary, the team has expanded to nearly 200 people, and the monthly salary is at least 3 million.

The 150 million venture capital funds given by the black shirt are currently only 100 million.

Zhang Yida's scalp is a little numb, and at this rate, the funds will be exhausted in a few months, and then he will become insolvent and declare bankruptcy.

No wonder there were so many P2P platforms running away in the previous life, the early stage was too expensive, the cost of raising funds was too high, and the interest income from lending could not break even at all.

Unless the platform operation enters the mature stage, the cost of capital is reduced to less than 10% per annum, and then the loan is lent out at a compliant interest rate of 24%-36%.

There is an interest rate difference of more than 10 or 20 points, and at the same time, the loan scale must be maintained at the scale of 10 billion yuan per year, and the loan period must be one year, or the loan scale of 20 billion yuan, the loan period is 6 months, and so on......

In this way, the platform will have a gross profit of more than 10 or 2 billion yuan a year, and then 5% of the bad debts will be paid 5 billion, advertising sales expenses will be hundreds of millions, personnel salaries will be one or two billion, and R&D investment will be one or two billion.

If the bad debt is well controlled, it may be possible to make a profit of hundreds of millions. If the bad debt exceeds 10%, it is basically very likely to lose money.

Retract your thoughts and think far away. Zhang Yida said secretly in his heart: "The first shot in the early days of the company's establishment has been fired, and now it has begun to take shape, and then we must control the cost of advertising, and at the same time, we must set up our own asset-side lending, and earn a few more percent!"

Chen Shaojie has been seizing the time to develop and polish the risk control system, and there are only ten days before the Chinese New Year, and it is expected that he will not be able to launch his own loan products until after the Lunar New Year.

Ruixiang Jinke and Yimin Investment Company are both engaged in Internet finance, but their circumstances are very different.

Yimin is like a gold digger, and Ruixiang is to sell water to gold diggers.

Many of the gold diggers may not have dug up gold mines, but those who sell water have already made a lot of money.

In fact, Zhang Yida really wanted Ruixiang to invest in Yimin Company, but there were many overlapping shareholders, which belonged to related financing, and the gambling was not completed, and the shareholders on both sides had black-shirt capital.

If you want to invest, the black shirt will definitely be the first to jump out and oppose it.

Moreover, as a neutral advertising platform, Ruixiang will alienate itself from other Internet finance company advertisers if it invests in Yimin.

You can't vote! Hey, a penny is hard to beat a hero.

Zhang Yida grabbed his hair and rubbed his face, except for lending money to increase his income, he couldn't think of a better way for the time being.

You can't invest in Yimin, you can invest in other companies!

Zhang Yida called Lei Dongming and said with a smile:

"Mr. Lei, I looked at Ruixiang's financial report, our company's current liquidity is 246 million, and the funds can be said to be relatively abundant.

In 14 years, it is expected that the three major business segments of wealth management supermarket, loan supermarket and credit card supermarket can achieve greater revenue and profits. With the increase in the number of cooperative companies, the payment sector should be able to turn losses into profits.

I plan to set aside more than 100 million yuan for R&D investment in the newly established big data credit section and risk control system technology output section.

Another 100 million, in addition to the 50 million promised to the strategic investment department, the remaining 50 million I also plan to allocate to you.

Your task is to spend all this 100 million in 2014!"

Lei Dongming was a little flattered, and he could be said to know more about the company's financial situation than Zhang Yida.

According to the current trend, the revenue of more than 100 million yuan and the net profit of hundreds of millions in 14 years are almost proper.

At present, the company still has more than 200 million yuan on its books, and there is no place to spend it except for buying some short-term financial management in the bank.

Now I hear Zhang Yida say that he will add 50 million yuan and give himself 100 million yuan to invest, and I am a little happy, and I also feel that this is the correct posture of using money.

He cleared his throat and said:

"Mr. Zhang, I am very much in favor of your wise decision.

Now is the period of the explosion of Internet finance, and the more you invest at this time, the more you will return in the future.

Of course, investing is not a blind investment.

First of all, it is best to make a layout around our upstream and downstream, which can form a linkage with our existing business.

Secondly, we don't have much money at present, so it is recommended to focus on angel rounds and A rounds, and it is best to add cash and a part of the company's advertising resources.

Finally, it is recommended to invest in front of VC and PE, they are generally easy to speculate on the price after they come in, and it is not their money anyway, so it is not distressing to spend it at all. ”