A third-party appraisal agency has been introduced to evaluate the value of the existing business management system, risk control system and other types of software.

Considering a variety of factors, including operating hours, bad debt rate, covered groups, number of people covered, etc., an appraisal value of 112 million is given for all intangible assets.

Director Liu and others were a little dumbfounded, 12 million yuan more than the 100 million price code offered by Zhang Yida.

But it doesn't matter, the most important procedures and processes in public affairs are in the office, and with this value assessment, Director Liu can explain it when he goes back.

It doesn't matter if it's expensive, as long as all the non-compliant factors are excluded.

Otherwise, the foundation's internal appraisal price will be tens of millions, and if he Lao Liu buys shares at a valuation of more than 100 million, the news will be transmitted back to the foundation, and others will not know how to speculate about him.

It is possible to say that he took a benefit fee or something, which affected his promotion. He was still young, and he felt that he still had a chance to climb up, and he did not dare to do risky things.

Director Liu came over this time and didn't bring the young man who fired at Zhang Yida last time.

What are you kidding, you don't have any eyesight, and you get him in trouble. He planned to change the department for the young man after a while, and send him away.

The temple can't accommodate the true gods!

After getting the appraisal price of 112 million yuan in intangible assets and 100 million yuan in tangible net assets for Huinong loans, totaling 122 million yuan, Director Liu immediately gave feedback to his superiors and asked them to make a decision.

I don't know if Zhang Yida is proud of his past achievements, or if the Huinong loan project is more face-saving for the leaders.

The decision-making efficiency of the Foundation for Poverty Alleviation was very efficient, and it gave a definite reply within a few days:

To vote, you must vote, and you are required to account for 20% of the shares.

Zhang Yida, together with Xu Xiaoming, Shen Beipeng, Ruixiang Group, Yimin Group, and the Poverty Alleviation Foundation, signed a capital increase agreement.

Zhenke Fund invested 53.66 million yuan, Black Shirt Capital invested 214.64 million yuan, Poverty Alleviation Foundation invested 224.4 million yuan, Ruixiang Group invested 448.8 million yuan, and Yimin Group invested 58.5 million yuan, a total of 1 billion yuan to inject loans to benefit farmers.

Change of Shares to:

Zhang Yida: 9.79%

Zhenke Fund: 5%

Blackshirt Capital: 20%

Foundation for Poverty Alleviation: 20%

Ruixiang Group: 40%

Yimin Group: 5.21%

The original shareholding structure of Huinong Loan is the same as that of Yimin Financial Services Group:

Zhang Yida: 72%

Option Pool: 9%

Fan Hongyang: 4.5%

Ding Siyao: 4.5%

Blackshirt Capital: 8%

Zhenke Fund: 2%

The option pool was cleared by Zhang Yida, and the shares of Fan Hongyang and Ding Siyao worth 6.39 million were exchanged by Zhang Yida at an equivalent price, and a part of Yimin's wealth and Yimin's wealth management equity was transferred to them.

Yimin Financial Services Group is currently short of funds, so it has only invested 58.5 million, and its shares only occupy 5.21%.

Zhang Yida directly holds 9.79% of the shares of Huinong Loan, indirectly holds 16.8% of the shares of Huinong Loan through Ruixiang Group, and indirectly holds 3.75% of the shares of Huinong Loan through Yimin Group.

In total, it holds 30.34% of the shares.

As for the right to control, because he has the right to speak in Yimin Financial Services Group and Ruixiang Financial Technology Group, Zhang Yida is equivalent to having 55% of the right to speak in Huinong Loan.

After the completion of the capital increase, Huinong Loan received 1 billion yuan in cash at one time, and has the 10 provinces with the most poor counties in China: Guangxi, Henan, NMG, Shanxi, Sichuan, Sichuan, Hebei, Shaanxi, Qianzhou, Yunnan and Ganzhou.

Nine provincial-level microfinance companies were newly established, each with a registered paid-in capital of 100 million yuan. The original Ganzhou Huinong Microfinance Company increased its capital to 100 million yuan.

With sufficient development funds, Huinong Loan began to recruit employees, set up offices in poor counties, and recruited local people as business personnel.

Export the valley county model to other provinces and cities.

The business investigation team went to the poverty-stricken counties to conduct inspections, and conducted on-the-spot visits to several types of rural industries such as planting, animal husbandry, and handicrafts, and formed a loan guidance report.

Then the business personnel will conduct door-to-door field visits, home visits, and conduct a preliminary review of risk control.

After passing the preliminary examination, the borrower is submitted to the headquarters of Huinong Loan in Beijing, and the headquarters conducts big data risk control verification and decides whether to finally lend money.

……

At the same time, Huinong Loan held a Series A financing press conference, announcing that it had received 1 billion yuan of financing led by Ruixiang Group and followed by Black Shirt Capital, Poverty Alleviation Foundation, Zhenke Fund and Yimin Group.

At the conference, Zhang Yida announced the establishment of 10 provincial-level microfinance companies in the central and western regions at one time, once again shouting the slogan of "10 billion yuan in three years", emphasizing the corporate vision of "supporting farmers to generate income and eradicating poverty".

Many mainstream media and official media came to the press conference, and a series of investigative reports on Huinong Loan were carried out.

"Miracle of Valley County, a Good Company for Poverty Alleviation and Agricultural Assistance-Benefiting Farmers Loan"

"Half a year, more than 1,500 poor families in poverty-stricken counties have generated tens of thousands of yuan in income, and Huinong Loan has practiced the core values of socialism with practical actions"

"Benefiting Farmers Loan Spent 1 Billion Yuan to Initiate the Establishment of a Small Loan Company to Help Farmers in the Central and Western Regions of China, Hoping to Drive Hundreds of Thousands of Poor Families Out of Poverty and Towards a Well-off Life"

……

All kinds of media praised the loans for farmers, and Zhang Yida was a little fluttering.

This time it was really in the limelight, and Ruixiang's $2 billion financing was not so widely spread.

These 10000000000000 are worth it!

Zhang Yida secretly rejoiced in his heart.

In particular, the name and praise of several official media such as People's Daily Online and Xinhuanet have pushed the prestige of benefiting farmers to the peak.

During this time, Zhang Yida received various phone calls every day, and some media wanted to interview him, as well as entrepreneurs such as Huang Xin, Zhang Ming, Chen Wei, Robin Li, Dongfang Yu, Hu Gang, and Wang Xiaojie all expressed their desire to invest in Huinong Loan.

For media interviews, Zhang Yida has always declined. However, in this interview with the mainstream official media, Zhang Yida readily agreed.

Many entrepreneurs wanted to invest in Huinong Loan, but Zhang Yida refused on the grounds that it was inconvenient to refinance after the A round of financing.

However, he didn't say anything, saying that he could also carry out A+ round of financing or B round of financing after a while.

It is also very good to attract a vote of entrepreneurs to strengthen their voices.

For the loan to benefit farmers, Zhang Yida has never thought of using it to make money, but as a stage to realize the value of his life.

Bringing hundreds of thousands of families out of poverty is a great merit.

However, this driving process must be long and arduous, and Zhang Yida is not in a hurry to do it well and succeed for a while, he is willing to wait for ten or eight years.

In the society, there is also a burst of praise for Huinong Loan and Zhang Yida on the Internet, praising Huinong Loan as a conscientious enterprise and Zhang Yida as a conscientious entrepreneur.

There are also some Taoist gentlemen who jump out and say that Huinong Loan is an enterprise that sells its reputation and reputation, and puts usury under the cloak of charity and poverty alleviation, which is much higher than the bank interest.

He also said that if the loan for benefiting farmers is sincere in poverty alleviation, it should not charge interest, and interest-free loans should be issued.

Soon someone came out to educate them on how to behave, saying:

Granting interest-free loans first will make the borrower inert and have the idea of getting something for nothing.

The Chinese have always emphasized that they will work hard to get rich, and that the interest on loans benefiting farmers is to let the peasants have pressure and motivation to work and change their backward appearance with their hands.

Second, Huinong Loan is an enterprise, there is a cost of labor and capital, how can all interest-free loans be issued for long-term operation?

If you want to benefit more people, you should collect interest, sustain the company's growth, and grow in scale to provide this service to more poor areas and people.

This comment was analyzed very thoroughly, and it simply said Zhang Yida's heart, and he received tens of thousands of likes in Zhihu, and even Zhang Yida couldn't help but order a like.

……

January 1, 2015 is a new year.

In the studio, Yang Lan was dressed intellectually and said in front of the camera:

"Hello everyone, welcome to "Interview with Yang Lan". ”

What are we doing when we are 20 years old?

Champion Hou Huo went to the 20-year-old wolf Juxu and won the Canghuang Beigu.

Zuckerberg founded the social empire Facebook at the age of 20 and became the world's youngest billionaire.

Our protagonist today is also a 20-year-old young man, can you guess who it is?

Please, Mr. Zhang Yida. ”

Zhang Yida, dressed in a black suit, walked to the front of the stage from behind the scenes, said hello to the audience, Yang Lan and the audience in front of the TV, said hello, and sat down on the sofa in the studio.

Thank you very much for accepting our visit.

Including me, there are many viewers in front of the TV who are very curious about you. I would like to ask, what motivated you to start a business in the first place?

Yang Lan asked with a smile on her face.

Zhang Yida thought for a moment and replied:

"Once when I went out, I forgot to bring my wallet. The weather was hot again, and I walked to the side of the road to buy a bottle of water, but found that I didn't have anything with me except a mobile phone.

I was like, if only my phone could pay for it.

So, there was the later Mobao payment. ”

Before coming, Zhang Yida had made a draft, and in this interview, he will definitely ask what is the motivation for founding Ruixiang?

It can't be said to be for money!

So Zhang Yida thought of such a reason, and by the way, he advertised Mobao Payment.

"Mobao payment is very convenient! Take out your mobile phone and scan the QR code, you can pay, which is really convenient for people's lives. ”

Yang Lan praised first, and then asked:

"Tell me about your entrepreneurial experience, how to grow a business from small to big?"

Zhang Yida replied with a smile like a sunny boy:

"Ruixiang was the first recommendation service of Internet financial products, and 13 years was the first year of the outbreak of Internet finance, and Ruixiang just seized this wave of opportunities.

Our APP is called Investment and Finance, which includes three major functions: investment, financing and exchange.

At first, there was only a casting function, but after gaining the favor of some users. We found that the function of only investing was too simple, and then we added the fusion and convergence.

Finance is borrowing, and remittance is transferring.

After these two features were launched, our user base has skyrocketed.

Ruixiang is a customer-oriented Internet financial company, and its development to this day is inseparable from the support and companionship of users along the way, as well as encouragement.

We don't force the expansion of the enterprise, all development is natural.

More than half of the users are recommended by friends and obtained by word-of-mouth.

Specifically, some users found our software to be very easy to use, which can invest, borrow, transfer, manage credit cards and bookkeeping......

The financial functions are complete and easy to use.

You recommended me, I recommended him, one to ten, ten to hundred, and it grew like this.

Ruixiang now has 200 million users, all of whom are very sticky users, and nearly half of them, or 100 million people, use our software every day. ”

Zhang Yida's wave of hard breadth made Yang Lan frown slightly, do young people like to play for themselves so much?