After the completion of the transaction, Ruixiang Technology first returned the 200,000 yuan that was previously lent to the company to Zhang Yida.

Zhang Yida looked at the balance of 13.6 million yuan in the account and didn't know what to do, of which 1.4 million was a loan that mortgaged two properties before, or a loan from his parents. The other $12.2 million was exchanged for $2.5 million ($2 million after tax) from the sale of 1% of the shares.

When you go home for the Chinese New Year, you should pay off the loan! Before, it was for double insurance and I was afraid that the start-up capital would not be enough. Now that you have money, pay it back as soon as possible! After all, it was done without telling your parents, and it is not a glorious thing.

The one-tenth small goal set before starting a business has been completed, and 10 million has been obtained.

Buying a car, buying a suite?

The car is definitely to buy one, and it is convenient to commute from school to company in the back.

Sports cars, not a good choice. It is neither practical nor too high-profile, after all, it is still a student, and the company is only a little bigger and a little better, so it takes the cash money to buy a sports car of several millions, which is not particularly good for investors, including others in the outside world.

Investors invest money in the company, and give you money to develop the company, not to give you pleasure.

It's good to buy a Paramela, it's not so high-profile, and the practicality is better.

You must still buy a house, forget about the villa, an ordinary house or apartment, preferably close to the school and the company.

There should still be some money left, and it should be used to start a P2P, although P2P companies will face liquidation and various negatives in the future, but now the career boost needs such a company to fill the career map.

Renrenyou has just received $130 million in Series A financing, setting a record for the largest single round of financing in the global Internet finance industry. This news undoubtedly gave the market a shot in the arm, until 2017, before the regulatory shot, P2P was the market's sweetheart, highly sought after by capital, and the financing wave was higher and higher.

Who will take care of the P2P business? I definitely need to focus my career on Ruixiang Technology for the time being, at least before the B round of financing.

You have to find someone who you can control to take care of it. P2P is a double-edged sword, and if you don't play it well, you'll cut yourself all over your body.

Based on the experience of his previous life and his familiarity with various regulatory policies, it is definitely no problem to play by himself, and this plate must be controllable.

Hey, in an instant, Zhang Yida thought of a candidate.

Ding Siyao, the girl who took out a mortgage for herself. Graduated from Sichuan University of Finance and Economics, and his major is also the right one. What's more, the girl's self-motivated energy impressed herself. At the same time, she also has her own bottom line, and she is not the kind of girl who casually with customers for the sake of performance.

Zhang Yida opened WeChat, found Ding Siyao's WeChat, and sent a message to the past:

"What are you doing, are you interested in starting a business in Beijing?"

The specific content of entrepreneurship is not particularly clear, let's see Ding Siyao's reaction first.

Ding Siyao had just finished applying for a loan to a customer at this time, and when she picked up her mobile phone, she saw this WeChat.

Emei frowned slightly, and he was very impressed by Zhang Yida, who was her first customer. Since Zhang Yida opened an order and got a commission of 14,000 yuan, she has been very encouraged. The work in the next 2 months is like a hanging, passing countless battles, winning the company's sales championship for 2 months in a row, and various honors and commissions are soft.

Now Zhang Yida has put forward such an invitation, asking her to give up her salary of tens of thousands of yuan per month, and she is still going to work hard in a strange city in Beijing, which is indeed a bit unbearable.

politely replied:

"Thank you for the invitation! I work very well here in Rongcheng, I haven't thought about starting a business for the time being, and I lack relevant management experience and skills. ”

Zhang Yida was not discouraged when he saw this, and continued to ask on WeChat:

"How much salary do you get a month in Rongcheng now, and how long do you have to work hard to buy a house?"

Ding Siyao replied:

"I can get 30,000 yuan a month now, which is the top seller of our company, and I expect to work hard for another three years to buy a house in Rongcheng. ”

Zhang Yida laughed, feeling funny, and typed again:

"According to the current monthly salary of 30,000 yuan, you can earn 1.08 million yuan in three years. But in three years, the house price in Rongcheng should rise to 20,000 square meters. Is it your wages that are rising fast, or are house prices rising fast?"

Ding Siyao was a little unhappy, what happened to the old lady's willingness. Teasingly asked:

"Then when I go to the capital and start a business with Mr. Zhang, how much salary can I get? Can I still buy a house in the capital for three years? Then ask Mr. Zhang to take more care of the little woman. ”

Zhang Yida was not angry, and continued to reply:

"Buying a house in three years? It won't take that long, fast next year, slow the year after next, you can rely on your own efforts to get a suite in Beijing. ”

Ding Siyao looked at the message on her phone, shook her head and smiled, and continued:

"Young Master Zhang, my family is not as big as yours. My family is from the countryside, and I don't have so many opportunities for trial and error, my biggest dream is to buy a house in the city and bring my parents to the city to enjoy the blessings. If the business fails, you go back to school to continue your studies and continue to be your wealthy son. I muttered, "What am I going to do?"

Zhang Yida felt that this girl was still under too much pressure, and she was eager to get ahead. Buying a suite in a big city and settling down has almost become an obsession.

This is also the dream and pursuit of many young people today, having their own house in a big city, only then can they have a place to settle down, and only then can they have a home and sustenance.

The house has also stifled the dreams and pursuits of many young people. Isn't it just for a suite? Poetry and distance, wash and sleep, realists better calm down.

After thinking for a while, Zhang Yida decided to give this girl a chance, and it was up to her to choose whether she could catch it or not. Typing:

"I plan to set up a P2P online lending company in Beijing City, connecting investors at one end and borrowers at the other.

You don't have to worry about the early investors, another company under my umbrella will help drain the traffic, and some operation experts will come in to assist you.

You're mainly responsible for the borrower, and you've made loans, so I think you're a good fit.

The basic salary is positioned at 50,000 a month, and you will be given a bonus at the end of the year if you do well, and the bonus number will not be lower than your basic salary.

In addition, you can also give up a high salary and take a monthly salary of 10,000 yuan, but give you 5% of the company's shares.

By the way, the initial investment of the company is about 6 million, you can consider it.

Don't be in a hurry to reply to me, you can search for information about me and Jingcheng Ruixiang Technology on Qiandu before you consider it. ”

After speaking, Zhang Yida didn't continue to speak, that is, seeing that you are more beautiful, I can't bear you to bear so much pressure, so hard work will give you a chance. It's up to you whether you get in the car or not!

On the other side, Ding Siyao was a little confused, and the amount of information sent by Zhang Yida was too large.

Quickly took out his mobile phone and checked what P2P online lending is.

P2P online lending refers to direct lending between individuals through Internet platforms. It belongs to a subcategory in the Internet finance industry. It originated in the United Kingdom in 2005 and then spread to China, which is a foreign product. In 2007, the first platform was born in China, and last year in 2012, it has received a $25 million Series A financing from Black Shirt Capital.

This month, the Renyou Loan platform also received $130 million in Series A financing, which was co-invested by institutions such as Zhiai Capital and Penguin Industry Win-Win Fund.

Ding Siyao herself is also from a financial background, and she immediately understood the operating principle of the platform. It is to absorb investors' funds at one end, and issue loans at the other end, earning interest margins and various service fees.

In addition, the continuous capital injection of various capitals into the Internet finance industry also shows a positive attitude. As an emerging industry, the potential is indeed limitless.

Ding Siyao was a little moved, and felt that she really had more potential than being a loan salesman. Even if you don't make any money for a while, you always have a chance to do it.

Then I searched for Zhang Yida and Ruixiang Technology, and there were large news reports.

Ruixiang Technology, founded by Zhang Yida, an eighteen-year-old entrepreneurial pioneer, received $50 million in Series A financing within two months of its establishment. ”

"Internet finance upstart Ruixiang Technology has nearly 10 million registered users of its software, with a valuation of 250 million US dollars. ”

It's all about that.

Ding Siyao was a little surprised, read the news next to each other, and generally had a more specific understanding of Ruixiang Technology and Zhang Yida.

The diversion investors of the subordinate companies he said should be referring to this Ruixiang Technology, which has tens of millions of Internet financial flows. ”

Ding Siyao said secretly.

After thinking for a while, I noticed a detail, Ruixiang Technology was founded less than 2 months, probably in October. With a start-up capital of one million, is it more than one million mortgaged to those 2 houses?

Thinking of this, Ding Siyao felt particularly incredible.

At the beginning, I thought that this was a rich boy, and the mortgage house was used for all kinds of extravagance.

Unexpectedly, how did he get the first pot of gold in his business?

In 2 months, he founded a mutual fund enterprise with a valuation of 250 million US dollars. Are all 18-year-old kids so good now?

Ding Siyao is a little entangled now, if she hadn't searched for these materials, she would have scoffed at Zhang Yida's conditions. A little kid still fools his sister.

But now that I have searched for information and learned the real situation, I am a little moved but also a little worried.

Yidong is to go to a big city like Beijing to do high-level Internet financial projects, with high salaries and even shares.

I was worried that I would not be able to do the project well when I went to the capital, and if the project failed, I would be empty. At the same time, the position of 30,000 monthly salary in Rongcheng was also abandoned.

It's so difficult to choose, Ding Siyao feels that she needs to calm down. After thinking clearly, he gave an answer, and rashly promised that he was not responsible for himself or the other party.

replied to Zhang Yida on WeChat:

"Dong Zhang, you give me 2 days, I'll think about it and give you an answer as soon as possible.

In addition, are you sure to choose me to be the person in charge of the asset side? I am afraid that I am inexperienced, and if I do not do well, it will also delay your project. ”

Zhang Yida looked at it and smiled, it seemed that he had searched for reports about himself on the Internet. Just now he was called Zhang Gongzi, and now he is Zhang Dong again.

Replied:

"Okay, think about it!

In addition, I like you very much, the person in charge of the asset side. Without experience, we can learn slowly, the main thing is that you have to have a diligent and motivated heart.

Don't worry, I'm not messing around with you.

Do business, I'm serious!"