"Why are you resigning?" Zhang Yida glanced at the resignation letter He Qingxuan handed to him, and then asked.

He Qingxuan's eyes were red, and her face was very haggard. She nodded and said, "I don't want to trouble you anymore." You have helped my family too much, and your kindness may not be repaid in this life.

I used to be naïve and thought that I could enter your company, help you work, and repay you little by little.

But now that I think about it, I can't really help with anything. I don't know how to code, I can't do operations, I can't do marketing ......"

Zhang Yida frowned, knowing what He Qingxuan's so-called "kindness" was.

In 14 years, He Shenghua's P2P platform Jingrui Fortune suffered a run, and it was Zhang Yida who bought the company, which allowed He Shenghua to escape and avoid criminal punishment.

"Actually, you don't have to be like this, I have acquired Jingrui Wealth, which is now Ruimin Wealth Management, and I have personally obtained a good return.

It's a win-win situation, and there's nothing about kindness or gratitude. ”

He Qingxuan smiled: "I still have to thank you after all." ”

"What are your plans for the future?" asked Zhang Yida.

He Qingxuan blurted out: "I want to start my own business." ”

"Then what do you want to do?" Zhang Yida was also curious, so he asked again.

"As a start-up in the field of self-media, this industry is quite hot, and it is quite compatible with my major. ”

Zhang Yida nodded and said, "Yes, you are from Communication University, and you are indeed the right person." ”

Since you have chosen to start a business, then I wish you all the best. ”

Zhang Yida also knows that He Qingxuan and Zhao Erya's plastic sisterhood has broken down, and if she still stays in Huimin Travel Group, it will always be a thorn in Zhao Erya.

"Thank you, come on, I am looking forward to seeing the day when Ruixiang Group and Huimin Travel Group shine in the world. ”

Looking at the back of He Qingxuan's departure, Zhang Yida was vaguely reluctant in his heart, he knew that this was just possessiveness.

Song Caiwei met with He Qingxuan, who had left Zhang Yida's office, and shouted "Assistant He", who did not stop, nodded and smiled at her, and left again.

Song Caiwei looked at her slightly lonely back, very suspicious, she usually wants to talk to herself for a few words, what's going on today?

Song Caiwei knocked on the door with doubts, and walked into Zhang Yida's office after obtaining the latter's consent.

Her eyes were very sharp, and she immediately saw the resignation letter on the table, and then thought about it, and asked, "Has Assistant He resigned?"

"Hmm. Zhang Yida faintly replied nasally.

"Okay, why does she want to resign?" Song Caiwei was a little puzzled.

"She wants to start her own business. Zhang Yida replied.

Song Caiwei was a little surprised, and said, "Isn't she not graduating yet? ”

"I didn't graduate, and I wasn't the same entrepreneur. Entrepreneurship has nothing to do with any of this. ”

Song Caiwei propped her chin with her hands and said, "Then I admire her a lot, she has ideas and action." ”

"What, you want to start a business too?" Zhang Yida teased.

"I'm a little bit worse, I'm not suitable. I'm more suitable for collecting rent and waiting for death. ”

Zhang Yida smiled, thinking that her family still has more than a dozen suites in Yangcheng, and she does have this family condition.

"Okay, let's stop chatting and notify the senior management of the group to have a meeting!"

......

Ruixiang Group meeting room.

"Is the 15-year financial report out? Zhang Yida asked Lan Lan, the CFO sitting beside him.

Lan Lan nodded, stood up, closed the blinds with the remote control, and then opened the PPT file again, and began to report:

In 2015, Ruixiang Group recorded an operating income of 15.514 billion yuan, an increase of 137.8% year-on-year, and a net profit of 377 million yuan, a year-on-year decrease of 49.33%;

The seven major financial supermarkets contributed 7.202 billion yuan in revenue, accounting for 22% of revenue compared with last year, and the revenue growth rate increased by 43.15% compared with last year, and the net profit was 4.75 billion yuan......

......

The revenue of Mobao Pay was 3.664 billion yuan, an increase of 493.8% year-on-year, and the net profit was -3.221 billion yuan.

The revenue of the technology business was 875 million yuan, an increase of 2400% year-on-year, and the net profit was -2.877 billion yuan.

The revenue of consumer finance business was 3.268 billion yuan, an increase of 1110% year-on-year, and the net profit was 1.307 billion yuan.

Wealth management business, including securities, funds, insurance, etc., revenue was 342 million yuan, and net profit was 255 million yuan.

Other businesses, including investment income of RMB163 million. ”

After hearing this, Zhang Yida scratched his forehead, mobile payment user subsidies and R&D investment in science and technology have burned more than 6 billion, and the actual data may be more than this.

Because the mobile payment business and the technology business themselves also have a certain operating profit, they have also been filled into these two bottomless pits.

"After deducting R&D investment and subsidies for mobile payment business, what should be the net profit?" asked Zhang Yida.

"After deducting these two businesses, the operating profit of other businesses is 6.475 billion yuan. ”

Lan Lan had already calculated this number, and knew that Zhang Yida would ask, so he quickly answered at this time.

Zhang Yida nodded and motioned for Lan Lan to sit down, he glanced at a circle of company executives present, and then slowly spoke:

"Ruixiang has basically reached a revenue balance since 14 years. But we have never made a large profit, because the profit has been offset by mobile payment subsidies and technology research and development investment.

In the short term, these two businesses are obstacles to the Group's substantial profitability.

However, in the long run, mobile payment represents user traffic, user activity, and retention rate;

Science and technology represent advanced technology and advanced products.

Therefore, we must not only not waver in the investment in these two businesses, but also continue to increase. ”

None of the fools who could sit here nodded in support.

Zhang Yida continued: "Through the financial report, we can see that the revenue growth rate of the financial supermarket is declining, and it is the slowest growth among the five pillar businesses.

The financial supermarket business, which accounted for 71% of the group's total revenue last year, now accounts for less than half, only 46.4%.

We can finally take off the hat of advertising agency, agency agency.

What does this mean? It means that the business is almost hitting the ceiling.

The incremental market is no longer large, and it is necessary to start intensive cultivation and focus on the stock market. ”

Zhang Yida turned his head to look at Gu Panpan, general manager of the platform operation business group, and asked, "Do you have any plans?"

Gu Panpan stood up and replied: "We are also aware of the changes in the market, and in response to this situation, the next step will be to give cooperative enterprises a more perfect promotion and cooperation plan." ”

Zhang Yida bowed slightly and said: "The profit of the financial supermarket business has always been the highest in the group. It's not an exaggeration to call it a cash cow. ”

Gu Panpan saw that many male colleagues glanced at his chest, and his face turned red.

Zhang Yida coughed and said, "It's still in a meeting, don't think about what you have." ”

"Hey, hey!"

The executives present all laughed, and the oldest of them was only in their 40s, and they were all relatively young, so the atmosphere was still very lively.

Zhang Yida continued to say to Gu Panpan: "At present, mobile payment and technology research and development still need group blood transfusion. So your task is daunting.

Next year, I don't ask for anything too high, and I'll be satisfied with a 30% increase in revenue and net profit. ”

"Guaranteed to get the job done. ”

Gu Panpan replied with a full of anger, and the executives present frequently looked sideways.

Zhang Yida smiled, although Gu Panpan is a female general, she is stronger than most men in execution.

Although he is an entrepreneurial veteran, he never relies on the old to sell the old, nor does he pick and choose the business.

The tasks and things I commanded were completed brilliantly most of the time.

Therefore, Zhang Yida has always valued her, and he has never hesitated to promote her position and issue options.

Zhang Yida also looked at Xie Huaiyu, general manager of the open technology business group, where he has always been in charge of the sales and operation of the technology business and mobile payment business, and is also one of the "culprits" who lost more than 6 billion yuan.

"Mr. Zhang, don't look at me like that, I'm panicking. ”

Xie Huaiyu knows his own family affairs and knows that he is a big money slender, and he is a big moneymaker, so he is very low-key when he has a meeting.

"I don't mean to blame you. Zhang Yida shook his head with a smile, took out a document from the table, handed it to the other party, and said:

"On the contrary, I would like to praise you. According to Analysys statistics, our market share of Mobao Pay has increased from 5% in Q4 2014 to 12.5% today.

Although there is still a big gap compared to 50% of the paid shells and 30% of the penguins, the gap is constantly narrowing.

Your 16-year goal is to increase your market share to 20%.

Do you dare to take this military order?"

Xie Huaiyu swallowed a mouthful of saliva, 15 years a year to increase the market share of 7.5%, 16 years to replicate this miracle, I am afraid it is a little difficult.

But looking at Zhang Yida's sharp eyes, he still nodded in response, but he still had to ask for some support, he said: "Mr. Zhang, how much is allowed to lose money in mobile payment this year?"

"Within 500 million, you can do it!"

As soon as he heard this, Xie Huaiyu was like being beaten with chicken blood, he suddenly became confident, and nodded busily.

"What about you?" asked Wang Lina, general manager of the mobile service business group.

Wang Lina said: "At present, we operate a total of 365 bookkeeping butlers, Kawang credit card butlers, Diandianchou, and Taurus Finance 4 independent apps.

The first two, mainly for the financial supermarket business diversion, as the number of registered users reached 100 million and 50 million respectively, slowly, the growth of users slowed down. ”

Zhang Yida nodded lightly, bookkeeping and credit cards are both APPs with limited scenarios.

The former requires users to have a good habit, and the latter users have credit cards, so it is impossible to become a national-level APP, and can only become a distribution channel for Ruixiang's financial supermarket business.

I heard Wang Lina continue: "At present, our focus is on Diandianchip and Taurus Finance.

In the former, while expanding the number of users, we are also carrying out Internet insurance sales business, and the current transformation situation is still relatively ideal, indicating that the people's insurance awareness is awakening.

In the latter, we have successively invited many financial self-media authors to settle on the platform, enriching financial content and creating an atmosphere of financial community.

At present, commercial realization is still relatively limited, and it mainly cooperates with securities companies to carry out some account opening business and deposit business. ”

"Okay, just keep going at this pace. ”

Zhang Yida does not have much expectations for the mobile service business group, which is basically regarded as a business supplement and traffic distribution channel, which is not particularly important.