After dealing with a bunch of matters related to buying a car and a house, the office building over there at Wudaokou was also renovated.

Ruixiang Technology moved out of the school's Entrepreneurship and Entrepreneurship Center and settled in the Kelin Building.

Kelin Building is located in the middle of Jingda and Wudaokou, adjacent to Zhongguancun, feng shui and location are very good.

The whole Colin Building is 50 floors high, the surrounding supporting facilities are perfect, it has just been completed less than 2 years, and the building is like brand new inside and outside.

Ruixiang Technology rented two floors on the 35th and 36th floors at an annual rent of 12 million, with a total area of 3,000 square meters.

The decoration design style adopts a fashionable and simple style, simple atmosphere and brightness. At the same time, a lot of green plants are also arranged to make the whole space look more vibrant.

The chairman's office covers an area of 200 square meters, and the use of light-colored sofas is mixed with wood-colored floors, desks and chairs, and standing table lamps create a faint sense of home comfort.

Bookshelves are also arranged, and there are many history books and books on economics and management.

Zhang Yida was very satisfied, walked to the huge bright floor-to-ceiling window, and looked into the distance, with a wide field of vision and bright sunshine.

There was a knock on the door.

Zhang Yida turned his back to the door and said, "Please come in!"

Looking back, Lin Zhenyang, who was dressed in formal clothes and had meticulously combed his hair, smiled and led an elegant middle-aged man in his thirties who was also dressed in professional clothes into the office.

Lin Zhenyang introduced:

"This is the CFO recommended by Blackshirt Capital, Mr. Lei Dongming. ”

Zhang Yida stepped forward and shook hands warmly, beckoned the two to sit down on the sofa, and asked the executive to send three cups of steaming coffee.

The three of them leaned on the leather sofa, and Lei Dongming took the lead in introducing:

"Zhang Dong, I graduated from the School of Economics and Management of Aoki University in 02, and then went to the University of Chicago to read an MBA, engaged in investment and mergers and acquisitions at Goldman Sachs for 5 years, and later went to Tiger Hunting Mobile as a CFO to tutor Tiger Hunter Mobile to go public.

Mr. Shen, who is in a black shirt, recommended me to serve as the CFO of Ruixiang Technology, and I am deeply honored to do so.

As a dark horse in the field of domestic mutual finance, Ruixiang Technology has undoubted development potential and space.

It is also very happy and exciting for me to be able to work with young talents like Zhang Dong and Mr. Lin.

I believe that under the leadership of Mr. Zhang and Mr. Lin, Ruixiang Technology will make a career in the mutual finance industry and become a great company.

I will also use my more than 10 years of experience in investment, mergers and acquisitions, and financial management to plan and solve all problems in financial management for the company, and do a good job in logistics support. ”

Zhang Yida laughed, thinking that Lei Dongming, a turtle, was very good at talking and expressing his attitude, and the elites in the business field were really all human spirits.

Blackshirt Capital sent him to join Ruixiang Technology, as a talent introduction to supplement Ruixiang's strength, and the second is to insert a personal hand to intervene in the company's management and understand the company's trends.

After all, tens of millions of dollars are not thrown in vain, and venture capital should not only help the invested company grow its strength, but also prevent the company's founder from hollowing out the company or doing something other detrimental to the company. This can be regarded as the post-investment management of venture capital institutions!

Lei Dongming first patted him and Lin Zhenyang's ass, and then said that he only paid attention to the financial affairs of one acre and three points of land, and would not interfere in management.

Zhang Yida smiled and said:

"On behalf of Ruixiang, I welcome you to join us.

Mr. Lei is an expert in the field of finance and investment, and has also served as the CFO of a listed company with Chinese concept stocks, and is familiar with the listing operation process.

Lei Dongming said modestly:

"Whereever, whereever! is the duty, the right thing to do. ”

Zhang Yida was about to weigh the CFO's ability, and asked again:

"I don't know Mr. Lei, what do you think about the development of Internet finance and various opportunities today?"

Lei Dongming knew that he was thinking about himself, and he had already collected and summarized all kinds of news in the field of mutual finance before he came to report. smiled calmly:

"This year in the field of Internet finance can be called the first year of development. Ant Financial took the lead in launching Yue Bao, ushering in the era of online financial management.

Today, the total deposits of domestic residents have exceeded 100 billion yuan. For the domestic people, the financial management channel is still too single.

Most people's financial management methods are deposit savings, or bank wealth management products, money market funds, and dividend insurance. These financial management methods are safe and secure, but they have low returns and cannot beat inflation.

The high returns of the stock market are also accompanied by high risks, and many people dare not invest.

The emergence of Yu'e Bao and various Internet wealth management platforms has filled the gap in the domestic wealth management market, taking into account the characteristics of higher returns than banks and lower risks than the stock market, so it is basically foreseeable that it will be sought after by the public in the future.

As a financial supermarket, Ruixiang Technology is more sought after by the market and has more room for development. The status will also rise.

What Ruixiang has to do is to firmly control the flow and wait for the tuyere to arrive.

In addition, I think Ruixiang still has a lot of funds, and in the future, I can selectively invest in several potential start-up mutual finance companies. To the greatest extent to enjoy this wave of industry development dividends.

In turn, these companies have grown and grown, and they can become partners of the company's products, and feed back to Ruixiang Technology. The money we took out of our left hand bag was earned back with our right hand.

In addition, the company's current products are still relatively simple.

Like online loans, fund sales, and Internet insurance sales, we can all get involved in the future.

Maximize the advantages of our traffic, provide customers with richer financial products, and create greater profits and value.

We can all participate in the three traditional banking services of deposit, loan and remittance. Empower with the Internet to create new finance.

It's just that it is very difficult to obtain the corresponding financial license in China.

This deposit requires bank, fund, insurance, and trust licenses.

Loans require consumer finance and Internet small loan licenses.

A payment license is required for remittance.

Of course, the above are some of my immature ideas, and some may not be so realistic and prepared, and I hope that Zhang Dong and Mr. Lin will not laugh. ”

Zhang Yida clapped his hands and cheered:

"Mr. Lei really hit the nail on the head when he saw the problem, and some of his thoughts coincided with me.

If Ruixiang Technology wants to control the traffic, it will also improve a lot of layouts, expand the market, and increase marketing expenditures.

Expand market share, increase revenue, and raise more capital. Then use financing to burn money and continue to expand the market scale.

Don't slow down, you have to get ahead of your opponents and hold the track.

Expand the scale of the market→ increase financing→ financing burns money, continue to expand the scale→ and then continue to finance......

Winning the vast majority of the market size in this field, and winning the vast majority of the financing invested in this market is my true heart.

We occupy an absolute market size advantage, and competitors will not be able to raise capital, so there will be no money to do vicious competition for us.

It must be fast, relying on the rhythm of financing to drag down the opponent. Otherwise, a tug-of-war will be formed, and then it will be all kinds of money burning, and the company should not want to make a profit, and it will be a junk stock if it is listed.

Therefore, we look at the abundant funds, in fact, they will be used for marketing and expanding the scale.

But when you say investing in start-up mutual finance companies, this is a good idea.

The company has a strategic investment team, and you are responsible for managing the selection of projects and investment and M&A.

50 million will be allocated to you at the beginning, mainly in angel rounds and A rounds!

Cash can be invested a little less, but our flow resources can also be counted as a kind of capital mixed investment.

In addition, I have been thinking about expanding the product range and obtaining the relevant licenses.

This can't be rushed, you can only come one by one.

It is not advisable to swarm on the bee, we must maximize the use of resources, make a breakthrough at a single point, and achieve an absolute advantage in one field before laying out the next one.

The advantages of this year's financial management have basically been determined, and the online loan diversion business will be deployed next year.

In the case of a license, in fact, the most needed is a payment license.

The deposit and loan business is diverted by us to the partner, and we do not need to be licensed. Instead, it requires the partner to be licensed.

I want to do direct business, scan code payment and mobile payment.

That is, everyone can go out with a mobile phone, and the mobile phone can be paid, so that the society has entered the cashless era.

At present, Ahri and Penguin funds are being promoted, and we want to be in a latecomer, and we can't burn money compared to others.

So I've been thinking about where is the entry point?

It doesn't take too much to cut in, and I'm very satisfied if I can occupy a 10% share.

Creating a payment software can attract new users for us, and at the same time attract traffic, improve user activity and stickiness.

After the completion of the layout of deposit, loan and foreign exchange, it can be said that the user's assets are fully grasped.

Financial management, borrowing, transfer and consumption, combined with our bookkeeping data and credit card data. We can launch personal credit scores and do risk control output business for other financial institutions.

Now the most missing link is payment, which is very nerve-wracking. There must be a scene or traffic support, Ahri relies on e-commerce to promote, and now Alipay users have exceeded 300 million. Penguin has a huge number of users, and it is relatively easy to push.

Mr. Lei, do you have any good ideas?"

Lei Dongming really listened attentively, what Zhang Yida said was too attractive, and he was still thinking about it there. Zhang Yida suddenly called him, and it took him a long time to react, and he hurriedly replied:

"Why don't we start with the segmentation of third-party payment?

In the early stage, we will focus on industry needs and develop industry applications, such as making third-party payment interfaces for wealth management companies and loan companies, and first eating the financial industry.

And then gradually push it to person-to-person, person-to-small and micro businesses. ”

Zhang Yida thought about it, this is more realistic, including customers are ready-made, and now it is just to continue to deepen cooperation. Nodding his head, he said:

"It makes sense, but I'm too anxious. We can't do it at the moment, so let's develop a wave of obscenity first!"

I also remembered the popularity of the third-party payment license in the future, and the transaction price was more than one billion. Hurriedly spoke:

"You do your research first, and see if we have time to apply for a license this year? ”

Lei Dongming agreed, and then ran around to inquire about the relationship.

Zhang Yida recalled the hot financial license trading market in the future, and thought about whether to quickly hoard a wave of licenses, speculate on licenses, and sell a wave during the peak price of 17-18 years, ten times and eight times the income.

Take the payment license as an example, this is the standard configuration of giants, Ahri, Penguin. Goudong was acquired, and Meituan's acquisition in 16 years is said to have cost more than a billion yuan.

The third-party payment license business can be divided into three parts: Internet payment and mobile payment, prepaid card issuance and acceptance, and bank card acquiring. The highest value is Internet payment and mobile payment.

This year's 13 years should be the year with the most payment licenses, and it seems that more than a dozen or twenty will be issued next year. The last one released in 15 years became a swan song.

In the end, there are only more than 200 in the national stock market, and there is no market for them. However, for Internet giants, financial giants, real estate and communication giants, one billion and eight billion yuan is not unaffordable. The focus is on completing the strategic layout and legal operation.

It was only in 2010 that it began to require a license to operate, and the previous e-commerce giants were all unlicensed streaking.

This is also a financial phenomenon in the country, which is to innovate first, rectify after getting out of the basket, and then require a license to work.