Fan Hongyang, CEO of Yimin Finance, sent good news:

"As of the end of August, the total turnover of Yimin Wealth Management has exceeded 10 billion! The turnover in August has reached a new high, with a monthly turnover of 1.5 billion, and a total of 3.5 billion yuan to be collected.

At present, the platform is catching up, and the transaction volume and scale to be collected have ranked among the top ten in the country, second only to Lufax, Yiyin Loan, Palap Loan and other old platforms. ”

Zhang Yida knew that this was the data of Yimin Wealth, and the data of Yimin Wealth alone had a transaction volume of 2 billion yuan, and more than one billion yuan was to be collected.

But it's all a family, and it's nothing to combine the data together.

Now there is a flamboyant wind in the industry, raising $1 million is said to be millions of dollars, and raising millions of dollars is said to be nearly 10 million dollars. There are also those who count the debt financing of venture capital as equity financing, and they are blowing to death.

Zhang Yida also understands that boasting is exaggerated, and it seems that the strength is a little stronger, and customers, suppliers, and partners also look up to you.

This exaggerated wind is reflected in the Internet financial management industry, which is to blow the turnover data and the data to be received, so that the platform is larger and stronger, and customers can invest with peace of mind.

Yimin Wealth has spun off the P2P business and put it all into Yimin Wealth Management, which is not only to avoid risks, but also to prepare for the listing of Yimin Wealth Management.

Zhang Yida replied to Fan Hongyang by email:

"It is indeed a great thing that the transaction volume exceeds 10 billion, contact various media to hold a press conference to hype up the heat.

In addition, there are still 4 months to the end of the year, and we will rush to another wave and strive to achieve a turnover of 20 billion!"

After processing Yimin Wealth, I clicked on the email of Chen Shaojie, CEO of Yimin Loan:

The second-generation risk control system of Yimin Loan has performed well, and the overdue rate has been reduced to 5%.

In addition, in addition to the cash loan project, the company has also entered the field of education and medical aesthetic staging, and has cooperated with hundreds of education and training companies and medical beauty and plastic surgery hospitals.

At present, the business quality of the two major scenarios is stable, and there are no large-scale bad debts and malicious loan fraud. ”

Zhang Yida frowned, the education staging and medical beauty staging are okay at present, and this market will be rotten in the future.

There are two main reasons, one is that education and training institutions and medical aesthetic institutions are uneven, and customers are not satisfied with the services they provide, so they do not plan to repay the loans, and there are a lot of bad debts.

The second is that in order to compete for partners, lending institutions are fighting a price war, and offering higher and higher cooperation commissions to educational institutions and medical aesthetic institutions. Of course, this part of the cost is ultimately paid by the user, so the interest rate of the loan issued by the lending institution is getting higher and higher, and the quality of the user is getting worse and worse.

This is a vicious circle, the interest rate is high, the quality of the customer base is poor, and then the user cannot afford to pay it back. In order to cover bad debts, lenders have to raise interest rates, and then users are worse off and even more unaffordable. The lender raised interest rates again......

Reply to Chen Shaojie email:

"The overdue rate must be controlled and must be kept below 3%.

In addition, education installment and medical aesthetic installment are in addition to risk control for borrowing customers. It is also necessary to evaluate and control the risk of partners.

Including the qualifications of partners, past performance, and customer praise should be taken into account.

If the customer is not satisfied with the service provided, he will definitely not be willing to repay the loan! So these factors have to be taken into account. ”

Fang Yuhan, the newly appointed CEO of Ruimin Financial Management, sent an email to Zhang Yida:

"Mr. Zhang, Ruimin Wealth Management (formerly Jingrui Wealth) has been operating normally for more than a month after the transformation.

After learning that we acquired Jingrui Wealth, some of the previous Wool Party customers withdrew when their investments expired, and some of them chose to stay on our platform because of the strength of our parent company. This part is about 100 million.

The new turnover is 120 million, and the current monthly turnover remains at the level of more than 100 million, and continues to grow well. By the end of the year, the monthly turnover is expected to reach 300 million. ”

Fang Yuhan used to be an elite on Wall Street, and later joined Yiyin Loan, and this time he was poached by Zhang Yida's high salary + equity.

However, this woman did not disappoint Zhang Yida, and as soon as she took office, she made drastic reforms, and brought Ruimin Financial Management back on the right track in more than a month.

Because of digging her, I also had some unpleasant trouble with Senior Brother Tang Ning. For now, the price is worth it.

In addition, it turned out that Jingrui Fortune's wool party customers actually left 100 million to be collected, which was completely unexpected.

With these customers alone and 100 million to be collected, basically the 40 million that acquired Jingrui Fortune will be earned back in the next two years. This wave is not a loss!

Zhang Yida wrote an email to Fang Yuhan and replied:

"The development of Ruimin Financial Management is good, and your credit is obvious to all. It's been a hard time!

In addition, Ruimin Wealth Management's annual goal this year is to reach 2 billion turnover, counting the hundreds of millions of turnover of Jingrui Wealth in the past;

Also, how has the deposit financial product for shared bicycles been developed?

This deposit wealth management product must take into account both liquidity and profitability. There are also users who may return the deposit at any time, and how can users trust the financial platform, and how to carry out the cooperation with Huimin Bicycle?

These factors must be taken into account, and a plan should be come up with as soon as possible, and we will officially launch it at the end of September. ”

Bao Bufan, CEO of Huinong Loan, was the former vice president of the Rural Commercial Bank, a man in his forties, and there was no hope of further progress in his career, so he was recruited to take over Huinong Loan.

Bao Bufan reported:

"Ganzhou Huinong Microfinance Company has obtained the approval of the Ganzhou Provincial Banking Regulatory Bureau and officially announced its establishment.

At present, the registered capital of microfinance companies is only 10 million, and it is slightly insufficient to lend with its own funds or leverage financial leverage. The company is very urgent need for new capital injection, and I hope that Mr. Zhang can solve it.

In addition, the valley county branch was officially established, the preliminary screening and risk control of local farmers have been completed, and the first phase of 10 million loans is about to be issued. ”

asked for money again, and Zhang Yida found that none of his companies were not short of money, except for Dogfud.

The greater the potential, the more money the company will burn in the early stage, and there is basically no great development potential for making money as soon as it comes up.

Zhang Yida replied to Bao Bufan:

"Stick to it for a period of time, and make certain achievements first, and then start the A round of financing.

You have to keep an eye on the affairs of Valley County. This is the first project of our loan to benefit farmers, and we cannot afford to lose it. Whether or not you can get financing, and how large it is, depends entirely on the performance of the project in the valley county!"

After the emails of the six subsidiaries of Yimin Financial Services were processed, Zhang Yida began to look through the emails of Dogfud again.

Lu Fenghai's successor, Gu Bin, the second general manager of the company, reported:

"The company's Taobao store has been upgraded to a second gold crown store, with a good score of more than 1 million points.

In addition, the monthly net profit exceeded 3 million yuan, and Mr. Zhang could come and withdraw it at any time if necessary. ”

His words made Zhang Yida a little embarrassed, as his only cash cow, Dogfud was going to be milked every few months, and he squeezed 5 million for Pete Net, and 5 million for Huimin Bicycle.

In this way, it is refreshing to have other companies in hand, but Dogfud's own development is restricted.

Zhang Yida replied to Gu Bin:

"The net profit has reached a new high, and your contribution is not small!

I have decided that this year Dogfud's profits will no longer be extracted. With the remaining funds, you see whether to expand the scale, expand more product categories, or open more stores.

In addition, you pay more attention to self-media marketing. Dogved can try to break through from this piece. ”

Lu Fenghai, CEO of Petra.com, sent an email saying:

"In August, Peite.com completed 24.2 million transactions! At present, it has been stationed in 5 cities of Beijing, Shanghai, Peng, and Yangrong. ”

Zhang Yida touched his chin, and the target of 20 million transactions in August was exceeded. Ruixiang and Yimin are also helping to shout, and the mall advertisements in the APP are all for the brother company.

Of course, Lu Fenghai himself is still working very hard, leading the team to develop 5 cities, and it took a lot of effort to promote offline.

Zhang Yida replied to him: "Come on, 40 million next month, 80 million next month." We'll be able to do it!"

Ruixiang's 150 million users are not just for fun, and there are 15 million people who have dogs and cats.

It's just that at present, O2O services can only be provided in 5 cities, and e-commerce can serve the whole country. This has some impact on the drainage and promotion of Ruixiang, after all, you can't serve users in some areas.

But even so, Ruixiang has made a huge contribution, and half of the user traffic of Pete comes from Ruixiang. Of course, advertising fees still have to be paid.

However, compared to the traffic effect brought by Ruixiang, this is just a trivial matter.

Qin is the chief human resources officer of Huimin Bicycle, who is temporarily in charge of the overall business of Huimin Bicycle, and he reported to Zhang Yida:

"Dispatchers have already started recruiting, and after training from the company, they will be launched to the market together with Huimin Bicycle at the end of September. ”

The Huimin bicycle has not yet been built, but Zhang Yida decided to recruit a team of dispatchers in advance.

Because it is impossible to wait for the bicycle to be listed, and then rush to recruit people. The dispatcher and the bike are definitely online at the same time.

In addition, Zhang Yida asked Qin Zheng to recruit dispatchers who gave priority to Shunfeng and Goudong. Because the couriers of these two companies are recognized as having good service and can endure hardships.

There is also the age of the dispatcher who chooses 20-40 years old, on the one hand, it is indeed a manual work to carry bicycles. In addition, Zhang Yida plans to train this group of people as the backbone, and when the business expands to all parts of the country in the future, the outstanding performers among them will act as management.

But if you want to be a manager, you have to carry a bicycle for me for at least half a year. Starting from the grassroots level is regarded as a large-scale military training.

Zhang Yida replied to Qin Zheng by email: "OK, I have high hopes for this batch of dispatchers. I hope that the dispatcher management of the whole country will be born from them. ”

On the side of Huayi Capital, Lei Dongming called and said overjoyed:

"Our second phase of funds has officially started to be raised!"

Zhang Yida was very bland, first said "oh", and then said with a smile:

"I've recently looked for a batch of companies, do you want me to send it to you?"