It was nearly twelve o'clock in the evening when Zhang Yida received He Qingxuan's call, and he had just returned home from his busy company affairs.

After listening to He Qingxuan talk about the cause of the incident, the process and the emergency situation he is facing now, Zhang Yida knew:

"This is cheated by unscrupulous advertisers, and other industries are still just pit advertising fees, and if they are put in the P2P field, it is easy to cause a run on the insufficient supply of funds, and eventually the platform will thunder.

In the P2P field, there are a number of professional wool parties, specializing in short-term targets on investment platforms, and only making first investments. The purpose is to gather wool on the platform and get various rewards.

There is no talk of conversion rate and retention at all, and when you encounter this kind of customer, the advertising cost will basically be wasted. ”

Following.

Zhang Yida, Chen Shaojie, CEO of Yimin Loan, Chen Shaojie, CEO of Yimin Puhui, and other staff of Yimin Financial, including finance, legal affairs, etc., came to Jingrui Group.

He Shenghua's father and daughter were already waiting at the door of the company, and Zhang Yida stepped forward and greeted He Qingxuan with a smile:

"Qing Xuan, long time no see!"

Immediately looked at He Shenghua again, He Qingxuan introduced:

"This is my dad!"

Zhang Yida shook hands with He Shenghua and nodded to each other:

"Uncle He, hello, I'm Zhang Yida. ”

"Mr. Zhang, hello! I'm He Shenghua. ”

Others, including Chen Shaojie and Zhuang Chuguang, also stepped forward to greet each other.

Yu Moutao didn't feel good, why did Mr. He hook up with Yimin Financial Service again? Why didn't he hug such a thick thigh earlier?

No one answered his question, He Shenghua's cold gaze swept over him, if it weren't for today's big thing, he would have been cleaned up a long time ago.

The group entered the conference room, and Zhang Yida spoke first:

"Uncle He, I took a look, Jingrui Loan has always cooperated with Yimin and Ruixiang.

Why don't you look for Ruixiang to promote the P2P platform online?"

He Shenghua was a little confused, he didn't know how to speak, he really didn't understand Internet finance! That's why he was deceived and deceived in all kinds of ways.

Seeing that He Shenghua was in difficulty, Zhang Yida also skipped this topic and said:

"Uncle He, let's talk about your thoughts! Do you want to sell 200 million mortgage debts, or the entire group?"

When He Shenghua heard this, if he had a choice, he would definitely still want to keep the company and only sell the creditor's rights, and the key was to see if the transaction price could make up for the 200 million hole.

looked at Zhang Yida and said:

"Mr. Zhang, let's talk about your plan first!"

Zhang Yida said with a calm face:

"Plan 1, 200 million yuan of mortgage bond equity will be accepted at the original price, but the equity of Jingrui Loan Company needs to be pledged to us.

After the maturity of the creditor's rights, the bad debts shall be borne by Yimin within 5%. More than 5% will be compensated by Jingrui.

Plan 2, 40 million mergers and acquisitions of Jingrui Group, Yimin bears all debts and responsibilities. ”

This condition was obtained by Zhang Yida and Yimin's management. Originally, the conditions were more harsh, but Zhang Yida took into account the relationship between He Qingxuan and Zhao Erya, and changed it slightly.

The change is not big, and the bad debt is added within 5% of the Yimin to bear it, and it is not too down.

He Shenghua listened to this condition, and felt that he had really found the right person this time. It's not a good condition, but it's definitely not bad.

Nodding his head, "I'm leaning towards option one." ”

He Qingxuan poked his father with his hand, and He Shenghua said again: "Plan 2 is also fine, both plans are fine." Mr. Zhang, let you decide! I agree with it. ”

This was also discussed by the two fathers and daughters last night, and Zhang Yida could not be allowed to suffer because of some personal relationships.

Zhang Yida remembered the emergency meeting with Chen Shaojie and Zhuang Chuguang last night, and the suggestions of the two of them were:

"Yimin Financial Services will immediately complete the A round of gambling and will soon start the B round of financing.

The acquisition of a 200 million housing loan debt is dispensable for Yimin, and there are tens of millions of interest to lend money by yourself.

If it is the acquisition of Jingrui Loan, it will gain a mature home mortgage team.

With the addition of this mature team, the development of Yimin Inclusive will be accelerated.

At present, the situation of Yimin Financial Services is that the development of Yimin Wealth Management and Yimin Wealth is too fast, the fundraising is too fast, and the asset side cannot keep up with the development of the capital side.

And the asset quality of a home mortgage is higher than that of a general credit asset.

After acquiring Jingrui and digesting it, when the B round of financing is carried out, you can use the scale and growth rate of the loan business, as well as the stable asset quality to tell the story to investors. ”

Thinking of this, Zhang Yida was not hypocritical, and said directly:

"Then let's talk about mergers and acquisitions!"

A hint of reluctance flashed in He Shenghua's eyes, but he also nodded in agreement.

The next thing is left to the two legal and financial teams to do the docking.

Then, He Shenghua gave a grand banquet to Zhang Yida and his party.

At the table, He Shenghua raised his wine glass, looked at Zhang Yida and thanked him sincerely:

"Mr. Zhang, I really thank you for taking action this time. It can be said that it solved a big problem for me. ”

"Uncle He, you're welcome. The merger and acquisition of Jingrui is beneficial to our company and to you, and it is a win-win situation for all parties. It's good to think of it as a business. ”

Zhang Yida and He Shenghua clinked their glasses and said.

"Having said that, I still have to thank you!" He Shenghua was so drunk that his face was flushed, and he also looked down on it, this time he was able to get out of the game with dignity, but he still had to thank the young man in front of him.

Seeing that Zhang Yida was at the helm of the two large financial groups of Ruixiang and Yimin at a young age, he couldn't help but feel that his own era had passed after all.

I'm old and can't keep up with the times.

With 40 million with his wife, her daughter will live the second half of her life happily!

He Qingxuan has never left Zhang Yida with a pair of beautiful eyes on the table, and the boy who went to southern Yunnan with him last year has become a business tycoon.

This time, he easily took out hundreds of millions to resolve his father's crisis.

The most rare thing is that there is no downfall and the acquisition price is lowered.

After the two father and daughter contacted Zhang Yida last night, He Shenghua said his psychological offer: 5 million!

Yes, it is 5 million, which is the same as the quotation made by Liang Weimin.

Anyway, He Shenghua would not sell the company to Liang Weimin if he was killed. As long as Zhang Yida is willing to take over and give him 5 million pension money, he will agree to the transaction.

He Qingxuan toasted Zhang Yida with a glass of wine and said softly:

"I don't know how to thank you. Let's slowly repay your favor in the future!"

Looking at the woman in front of him with a temperament like Lan, Zhang Yida smiled and said:

"We're friends! If I'm in trouble in the future, you can help me!"

......

"Mr. He, since you know everything, then I won't hide it. The acquirer I contacted was Liang Weimin's vest.

This time I admit it, I'm sorry for you!"

Yu Moutao said frankly and bowed to He Shenghua. Two minutes ago, he was called into the office by He Shenghua, and he scolded and ridiculed:

"You are a white-eyed wolf who can't be raised, who gave you the opportunity to get a promotion and a raise......

"You're really stupid to cooperate with that idiot Liang Weimin.

If that idiot doesn't leak the news, there's a real chance you'll get away with it. ”

Yu Moutao didn't refute it, he just became the king and lost it. If you choose the wrong partner, you can't blame anyone else. Packed up and left.

......

", Yimin Financial Services acquired Jingrui Group for 40 million. What do you eat, and how do you know when the transaction is completed?

Didn't he swear to me that the deal was fine?"

Liang Weimin was angry at Director Liu at this moment. Director Liu was also very helpless, he went to contact Yu Moutao and was scolded, scolding them for leaking the news, which led to the failure of the acquisition.

Although he knew that Liang Shao's tone was not strict, he didn't dare to blame him!

Seeing that Liang Shao was angry, Director Liu asked tentatively:

"Liang Shao, what should we do next? Do you want to continue to target Jingrui Group?"

"It's still a fart! But you can check the details of this Yimin Financial Service, dare to rob Lao Tzu's Hu, and if you have the opportunity to add to them, you can do it. ”

Liang Weimin is such a small-minded person, but he is not stupid, he knows that the dragon and crouching tiger in the capital are hidden, so he will check the bottom before taking action.

......

After Zhang Yida completed the acquisition of Jingrui Group, he split the entire group into several parts:

The loan stores of Jingrui Loan Company were merged into Yimin Puhui and became the second branch center of Beijing.

In addition, a part of the elite soldiers from Jingrui Loan will be sent to various parts of North China to prepare for nationwide business expansion.

Jingrui Wealth was renamed Ruimin Wealth Management to carry out differentiated development with Yimin Wealth Management.

Yimin Wealth Management focuses on low interest and long bids, while Ruimin Wealth Management focuses on high interest and short bids.

Such a dual-platform strategy can cover users with different investment needs and risk appetites to the greatest extent.

At the same time as the original employees of Ruimin Financial Management were retained, the assessment standards of Yimin Financial Services were introduced, and those who failed to meet the requirements were discouraged.

At the same time, Yimin Wealth Management has dispatched an elite technical team and operation team to carry out a comprehensive transformation of the Ruimin wealth management platform.

After the original 360 million creditor's rights of Jingrui Wealth (Ruimin Wealth Management) were taken over by Yimin Financial Services, all the creditor's rights were put on Yimin Wealth Management and made into investment targets, and the individual users of Yimin Wealth Management ate this part of the creditor's rights.

After Ruimin Financial gets rid of this historical burden, it can travel lightly.

First of all, the advertisement is connected to Ruixiang's financial supermarket, and Ruixiang conducts massive customer diversion.

Secondly, all the investment targets are made into short-term products for 1-6 months. Wonderful Installment and Joy Installment are the asset suppliers.

Every time the two installment e-commerce platforms of Miao and Le Installment receive an installment shopping creditor's right, it will be released on the platform by Ruimin Wealth Management and made into an investment product.

All claims are matched one-to-one, and there is no maturity mismatch and no pooling.

Zhang Yida didn't dare to be careless on this point, and He Shenghua was a lesson from the past.

Now he would rather take a little trouble and earn a little less than issue bids indiscriminately.

Rubbing his swollen temples, Zhang Yida only felt tired.

He was responsible for the work of splitting up Jingrui Group, and it took more than half a month to get it preliminarily completed.

But hard work pays off, Zhang Yida looked at the national map hanging on the wall and smiled with satisfaction.

On the map, several provinces and cities in North China have planted small red flags, indicating that they have set up loan stores in their local areas.

"When will it be open all over the country?"

Zhang Yida sighed with emotion.