Zhang Yida returned home, lit a cigarette, and stood by the window alone.

Zhao Erya's affection for himself, he has always understood.

He is a slow-burning person, and he looks uninhibited on the outside, but he is actually very sullen on the inside.

That's probably the type!

Zhang Yida smiled, snuffed out the cigarette butt, and went to bed to rest.

The next day, Zhang Yida was in his office.

Lei Dongming's eyes lit up and said:

"Mr. Zhang, didn't you tell me to pay attention to start-up Internet finance companies?

I recently fell in love with a project, Pengcheng's start-up company, called Le Installment, which mainly targets college students to do campus installment shopping.

Here's the information, take a look!"

After speaking, he also handed over a document.

Zhang Yida took the information and glanced at it, isn't this one of the originators of campus loans?

At present, only 3C digital installment on campus is still being done, and cash loans will be provided to students in the future.

Zhang Yida held his chin and began to think.

To invest or not to invest?

Even if he doesn't invest, other venture capitalists will invest, including Goudong, who later invested in this company.

Even if this company does not do the campus market, other companies will do it.

Campus loans are like an open Pandora's box, and people who come and go want to enter this market to pan for gold.

In the past, college students could apply for credit cards, and in 04 years, the first college student credit card was issued by Guangfa Bank, and since then, various banks have entered the campus staking and seizing the market.

At its peak in '08, the proportion of college students' credit cards reached nearly 40%.

Later, as the number of cardholders climbed, bank risk management was insufficient, and the overdue repayment rate and bad debt rate of college students also continued to rise.

By mid-'09, the bank had shut down the credit card business for college students.

But the market demand is there, and the campus installment APP fills the position in time, and it has won all the college markets in two or three years.

For a time, campus installment shopping and cash installment have become the darling of the college student market, which is highly sought after and popular.

Due to the lack of corresponding systems and regulatory constraints, campus staging companies have grown savagely.

Some lawless elements have seized the opportunity to enter this market and engaged in "naked loans" and "campus loans" in the nature of usury, thus turning this market into a miasma and being condemned and spurned by the whole society.

It was not until May 17 that the China Banking Regulatory Commission and the Ministry of Education issued a notice prohibiting all companies from carrying out campus loan business.

Most of the more formal companies have exited the market, but there are still a handful of unscrupulous people who are lending covertly.

Although Leqi later withdrew from the campus market, it was listed on the NASDAQ at the end of 17 years with a market value of more than $2 billion based on the foundation laid in more than three years.

Zhang Yida looked at the information, the founder Xiao Weijie, born in 1983, served as the director of Penguin Tenpay.

Penguin people do have a set of products, Le installment was established in August 13, and the installment mall was launched in October, which ranged from half a year to a year and a half earlier than Huabei and Goudong Baitiao. It is indeed a pioneer in the market!

Putting down the information, Zhang Yida looked at Lei Dongming and asked:

"What is the current valuation of this company?"

Lei Dongming smiled, knowing that the boss was tempted, and replied:

"As soon as it was established in August 13, Le Installment received 10 million yuan in angel round financing from Evergreen Capital, diluting 30% of the shares, and the post-investment valuation was 33.33 million yuan at that time.

At that time, because there was no product, it was completely based on Xiao Weijie's past resume and the valuation given by the team members who were born in penguins.

In October 13, they made the installment mall, and now it has been on the market for three months, and it has now reached a monthly sales of 20 million yuan, while maintaining a high-speed growth rate in an upward increase.

In my estimation, the valuation would have to be at least 5-10 times higher.

It is about 150 million ~ 300 million RMB.

Converted to US dollars, it is 25 million ~ 50 million. ”

Zhang Yida calculated in his heart that he invested 5 million ~ 10 million US dollars at this time, accounting for 20% of the shares.

Even if it is diluted to only 10% after listing, there is a market value of more than 200 million US dollars, which can be increased by 20~40 times.

It's a good deal!

Zhang Yida was very curious about how Lei Dongming found this company, so he asked again:

"How did you find this company?

I also know so much about other people's information. ”

Lei Dongming pursed his lips and smiled:

"I know the staff of their angel investment agency, Evergreen Capital!

The person in charge of the project at the time was Li Lin, who was the managing partner of Evergreen Capital.

I have dealt with her before, and recently she recommended this happy installment company in the WeChat circle of friends.

I was more interested, so I chatted with her on WeChat, and then asked for a copy of the information to study it.

Didn't I come to you to consult?"

Zhang Yida bowed slightly, saying that he understood, which is very common in the field of venture capital, and the last round of investors helped entrepreneurs find the next round of financing. Not only to post on Moments, but also to take the founder to major VC/PE institutions.

Zhang Yida agreed:

"I'm also interested in this company, and consumer installment is also a subdivision of the financial industry.

It can also form an effective linkage with our business, and investing in them can be regarded as a layout for the upstream and downstream of Internet finance!

Is the financial statement for 13 years out?

Look at how much liquidity there is, this kind of company can invest in a few more, and different subdivisions can also be laid out and improved.

In addition, you can make an appointment with Huaqing Capital and Xiao Weijie to finalize the investment as soon as possible. ”

Lei Dongming nodded, turned around and walked out of the office.

Zhang Yida sighed with emotion, 13 years is the first year of the development of Internet finance, and 14 years is a year of vigorous development! Heroes from all walks of life will also appear on the stage to lead the trend and development of mutual finance.

"Toot toot" phone rang.

Zhang Yida picked up the mobile phone and saw that it was an unfamiliar mobile phone number, picked up the phone and said:

"Hey, hello, who's that?"

"Mr. Zhang, hello, I'm Qi Yuhao, your Porsche car buying consultant. A gentle female voice said on the other end of the phone.

"Oh, hello, what's the matter?" Zhang Yida was a little curious, wouldn't it be another new car or accessories!

"That's right, our Porsche 4S store will launch a car friends salon on the 20th of this month, and now we invite you to participate, are you free?" Qi Yuhao asked.

After thinking for a moment, Zhang Yida had a flash of inspiration and asked:

"Do you need sponsors for this kind of event?"

Qi Yuhao was a little confused, this Mr. Zhang's thinking was too out-of-the-box!

"I want to ask our leaders about this, I can't be the master of this.

Also, which sponsor is it?"

Zhang Yida replied:

"Okay, you go and ask your leader, and then give me an answer!

Our company is called Jingcheng Yimin Investment Management Co., Ltd., and its Internet wealth management product is called Yimin Wealth, which is for middle-class and wealthy families to achieve asset appreciation services.

Some time ago, it received tens of millions of dollars in Series A financing from Blackshirt Capital.

The sponsor is this wealth of benefiting the people, can you ask the leaders if they can cooperate?"

After a while, Zhang Yida's phone rang again.

"Mr. Zhang, hello, I am Wang Le, the general manager of the Porsche 4S store. A middle-aged male voice on the other end of the phone said.

"Mr. Wang, hello. Zhang Yida said hello.

"Mr. Zhang, I don't know how you want to cooperate with our store?" Wang Le asked politely.

"That's right, I have a Yimin wealth company under my umbrella, which is engaged in wealth management and Internet wealth management business. Aren't you going to have a marathon? Our company would like to sponsor this event.

It's best for car owners to get together, and we'll send two financial planners over to give you a wealth management course. In addition, I would like to indirectly recommend our company's wealth management products.

Of course, car owners are free to choose whether to invest or not. Regardless of whether someone buys a wealth management product in the end, our company will give your company a sponsorship.

You can try the effect first, and if the effect is good, you can reach a larger and more comprehensive cooperation with your group. ”

Zhang Yida explained the sponsorship cooperation plan in a few words.

After hearing this, Wang Le thought for a while, after all, it involves financial management, finance, which is related to money, and said that there is greater cooperation. Don't dare to make a decision. You need to discuss it with the company's top management.

Their store is only one of the 10 stores in Greater China of Jiecheng Group, the largest distributor of Porsche China, and there is also a group management above, and he, the general manager, cannot be too big.

Wang Le replied: "Mr. Zhang, I need to report and discuss with the leaders of the group. Get back to you as soon as possible."

Zhang Yida said: "Okay, as soon as possible! We are also in contact with Maserati, you can give me an answer as soon as possible." Whether you succeed or not, you're all friends!"

After speaking, Zhang Yida hung up the phone with a smile.

This is just an idle move and an attempt, and it doesn't matter whether it succeeds or not.

If it can be done, it will be the best!

Let Yimin Investment set up a sub-brand for the mid-to-high-end market to serve high-net-worth individuals.

If the cooperation is effective, you can also find Maserati, Bentley, Ferrari and other 4S stores to cooperate in the future.

Wang Le, after putting down the phone, he kept looking up information about Zhang Yida and Yimin's wealth on the Internet.

A search, there is a lot of information! Wang Le was a little surprised!

Zhang Yida's Ruixiang Fintech Group, which raised $50 million and was valued at hundreds of millions of dollars, and Yimin Wealth, which also received $25 million in Series A financing.

Wang Le didn't dare to delay, and immediately made a phone call to the group headquarters to explain the situation and the information he knew about Zhang Yida.

After listening to Zhang Yida's plan, Jiecheng Group was also very interested. We are ready to send a special person to Yimin Wealth Company to discuss specific cooperation plans.

The efficiency was very high, and the next day Zhang Yida received the cooperation negotiation team of Jiecheng Group in Yimin Wealth Company.

After some verbal war, a preliminary cooperation plan was reached.

The plan is very simple, that is, when the car friend salon is held, Yimin Wealth dispatches financial planners to give lectures in the past, which is actually to promote financial products.

3% of the funds raised will be returned to Jiecheng Group as a cooperation fee.

Both parties are satisfied with this result, and Jiecheng Group can maximize customer value and increase revenue. Yimin Wealth can also take the opportunity to launch a wealth management product serving the mid-to-high-end market to increase the company's fundraising.

Yimin Wealth has carried out a brand restructuring, P2P is named Yimin Wealth Management, the wealth management brand with mid-to-high-end market positioning is named Yimin Wealth, and the asset side Yimin Loan has also been established.