"Sincerity?"

Several Yi'an Insurance shareholders who attended with Cheng Xiangjun kept chanting this word in their hearts, and their brows were tightly locked.

Zhang Yida is also a businessman after all, and they guess that the so-called "sincerity" is nothing more than profit.

Zhang Yida is so generous, and he wants to put Yi'an Insurance on the shelves for investment and financing, and he lowers the cooperation rate, what is the picture?

The sense of responsibility of the major shareholders? This is.

Although Ruixiang is a major shareholder, it only accounts for 15% of the company's shares.

With only such a small share, you can't work so hard.

Everyone vaguely guessed Zhang Yida's scheme, and a shareholder tentatively asked Zhang Yida: "Mr. Zhang, I don't know how to show this sincerity? ”

Zhang Yida smiled and said, "I'll talk about the insurance supermarket, one of the seven major financial supermarkets of Ruixiang, and a little mutual aid!"

The insurance supermarket was established last year, and now it has used this service, and more than 100 million users have a record of policy purchases.

At present, the average daily policy turnover of the insurance supermarket has exceeded 1 million. ”

"100 million people, 1 million orders, so much?"

A shareholder of Yi'an Insurance questioned loudly, and others also looked at Zhang Yida with suspicion.

Zhang Yida scratched his eyebrows and said: "These policies are not all the kind of big orders you imagine, life insurance with annual payments of tens of thousands of yuan, and critical illness insurance.

Most of them are consumer insurance and accident insurance, with annual payments of tens or hundreds of yuan. ”

"This kind of small order, the profit is not big!" said a shareholder.

Zhang Yida looked at him and replied, "Yes, the profit is not big. But our customer base is mainly the post-80s and post-90s, who are the aborigines of the Internet.

What is Ruixiang doing? Cultivate their insurance buying habits.

The amount of consumer insurance is not large, but it can be regarded as the first step for users to purchase Internet insurance, and the next thing to consider is further conversion and guidance.

Slowly guide users from small amount of consumer insurance to large amount of critical illness insurance and life insurance.

In addition, policy sales are not particularly frequent, and many users may only buy large amounts of insurance a few times in their lifetime.

Because the amount is huge, many users need to hesitate and consider it repeatedly.

If e-On Insurance wants to cut into the big cake of critical illness and life insurance, it must first build a sense of trust for users little by little.

In line with Ruixiang, we will start with consumer insurance, accident insurance, and travel insurance, and then add other insurance categories. ”

Several shareholders nodded again and again, saying that they were all old-fashioned, not ambitious at all, and it sounded quite feasible.

Zhang Yida went on to say: "Diandiantiao is a serious illness crowdfunding website owned by Ruixiang, and the number of users has exceeded 50 million.

Diandianbao is an insurance brokerage brand under Diandiancuo, which is responsible for monetizing the precise insurance traffic channeled by Diandiancuo.

Contrary to the insurance and financial supermarket, the main direction of Diandianbao is critical illness insurance and various types of life insurance. ”

Speaking of this, Zhang Yida accentuated his tone: "Why is this happening? This is determined by the content of the platform.

There are all kinds of human tragedies every day, and users have seen too much, so they are no longer so confident in their bodies, and they have begun to consider configuring a critical illness insurance to add some protection to themselves.

Therefore, Diandianbao's critical illness insurance is selling very well, and the business growth rate is almost doubling every month. ”

After speaking, Zhang Yida spread his hands and said with a smile: "If you are not careful, you will say too much off-topic." Let's return to the original question - sincerity. ”

"Alright. Mr. Zhang, we know the sincerity of Ruixiang. Tell me what you want, or what do we have to give?"

Cheng Xiangjun was also impressed by the strength shown by Ruixiang, and asked Zhang Yida very simply.

"Yes, Mr. Zhang, we deeply admire the strength shown by Ruixiang. Just tell me straight, how do you need us to cooperate?"

"You Rui has always been in charge of the work of e-Insurance, and I am in favor of it with both hands. ”

"Yes, I support it too!"

Other shareholders also chimed in when they saw the strength of Rui Vector.

"Okay, then I'll just say it! Ruixiang needs to pay a lot of price to help Yi'an Insurance get started.

Therefore, we need a certain return, and in three years, Ruixiang will become the controlling shareholder of Yi'an Insurance. ”

As soon as Zhang Yida's voice fell, everyone stopped talking. Several small shareholders have set their sights on Cheng Xiangjun.

The companies they represent are all small shareholders, and the largest number of shares is Yinzijie Group, which is the same as Ruixiang, with 15% of the shares, tied for the largest shareholder.

As long as the development of Yi'an Insurance is good, who will be the major shareholder, or even the controlling shareholder, they minority shareholders don't care.

It was originally a financial investor, purely trying to make money. It is not their turn to have the day-to-day management of the enterprise.

Whether it is Ruixiang or Yin Zijie, whoever can bring them to make a fortune, they will support whomever they want.

Although they recognize Ruixiang's strength more, several shareholders are afraid of offending Cheng Xiangjun, so they don't express their positions easily, and are ready to see Cheng Xiangjun's reaction.

Cheng Xiangjun is also very entangled in his heart, on the one hand, he hopes to get a huge flow of sharp direction, and on the other hand, he is reluctant to lose his position as a major shareholder.

Seeing the uncertain expression on Cheng Xiangjun's face, Zhang Yida knew that this big guy was weighing gains and losses.

From the previous life, this bigwig frequently rubbed the hot spots of Internet finance, and it can be seen that he is a person who values profit over fame.

Zhang Yida was ready to add another fire, and said: "Rui has always managed Yi'an Insurance, and after three years, I will definitely give everyone here a satisfactory return."

At present, the paid-in capital of Yi'an Insurance is 1 billion yuan, which can be regarded as 1 billion yuan of net assets.

Three years later, I promised to achieve a net worth of 5 billion yuan.

If it can't be done, Ruixiang will give up becoming the controlling shareholder, and then renegotiate the management rights of the enterprise."

The eyes of several small shareholders lit up, this is not bad! A five-fold return in three years.

Although they are all very tempted, they know that their statements and others will not play a big role, and the key lies in Yin Zijie's attitude.

Cheng Xiangjun calmly analyzed Zhang Yida's words, and said in his heart, he is so confident that he has even opened the conditions for a five-fold increase in net assets in three years.

At the same time, he also saw that Zhang Yida attached great importance to the insurance business.

He guessed that the strategic proportion of the insurance business in the Ruixiang system must be very high.

can't agree so easily, delay it for a while, and see if you can exchange it for some benefits, so Cheng Xiangjun spoke:

"Mr. Zhang, I think this matter needs to be considered in the long run. Yi'an Insurance is about to open, and we should pay more attention to this and strive for a good start.

As for the controlling shareholder, don't worry! After a period of operation, the company's business is on the right track, and we will take a good look at it together.

It's like going to war, before the war starts, we discuss how to divide the spoils.

I'm also saying something from the bottom of my heart, and it may not sound so good to the ear.

Mr. Zhang, forgive me!"

Zhang Yida and Cheng Xiangjun, who was looking at him with a smile, looked at each other, and said in their hearts, what a slippery old loach!

Its use of delaying tactics is nothing more than two ideas: either they want to invest resources in a hurry, and at the same time they are reluctant to give up their position as a major shareholder;

Or you just want to take care of yourself and ask for more benefits.

"Okay then! That's it for today. Let's discuss the rest later!"

Zhang Yida said.

A group of small shareholders are full of disappointment, why do they admit it?

Hey, it's such a pity! You should argue with Cheng Lao Fox! We all support you.

They really regret that Ruixiang has such thick thighs, if they don't take them to play in the future, how much less money will they have to make?

At this point, it is useless to say more.

They decided to communicate more with Zhang Yida in private to show their support.

In any case, Ruixiang must be firmly tied to the chariot of Yi'an Insurance.

"Mr. Cheng, please stay. ”

Cheng Xiangjun stopped leaving, looked at Zhang Yida with a smile on his face, and said, "Mr. Zhang, is there anything else?"

"Yes, how about a one-man conversation?"

Zhang Yida said with a smile.

Cheng Xiangjun said in his heart, this is right! Let's talk about the conditions, there is no problem that cannot be solved.

So Cheng Xiangjun nodded and replied: "That's okay!", after speaking, he walked back to the conference room from the door, sat down on the chair opposite Zhang Yida, looked at Zhang Yida, and waited for the other party to speak.

Zhang Yida's action of calling Cheng Xiangjun was also noticed by other small shareholders who had already left the door of the conference room. They are all speculating about what kind of exchange conditions Zhang Yida will give Cheng Xiangjun.

"Mr. Cheng, has Yin Zijie ever thought about entering the field of risk control system technology output?"

Cheng Xiangjun scratched his head and said, "I've thought about it! But there is no big data accumulation!

Our main products are: computer verification system, batch verification system, bill image exchange business processing system, bank-enterprise reconciliation management system, centralized business image operation platform, remote authorization management system, etc.

Unlike you, you have accumulated a large amount of C-end user data.

You can do the output of risk control technology, we can't. ”

Zhang Yida nodded, Cheng Xiangjun was still very self-aware. He also said: "Ruixiang's subsidiary, Tiance Technology, is focused on the output of risk control technology, and at present, China Agricultural Industry and Construction has cooperation with Tiance Technology.

Yinzijie has a bank customer base, and we have technology.

I think we can work together. ”

"Oh. What kind of cooperation method?" Cheng Xiangjun was interested and asked.

"To be the core agent of Tiance Technology. Zhang Yida threw out his own quid pro quo.

He has repeatedly thought about the cooperation space between Yin Zijie and Ruixiang, and the closest risk control technology to the business has been exported.

Yinzijie cooperates with joint-stock banks and rural commercial banks across the country, mainly providing them with some technical services commonly used by banks.

After nearly 20 years of development, Yinzijie has accumulated very deep banking contacts.

Ruixiang is different, relying on the relationship of shareholders to win the cooperation with the four major banks.

When the business continued to expand downward, especially the urban commercial banks, the rural commercial banks encountered a lot of soft nails.

Small cities pay great attention to personal relationships, and it is not just good products that can win cooperation.

Ruixiang asked Yin Zijie to be his own agent, just to give full play to the strengths of the other party, and at the same time, Ruixiang can also cooperate with more banks and make a small profit.

Cheng Xiangjun is also considering that Yinzijie has cooperated with more than 360 banks across the country, and if half of the banks can purchase Ruixiang's risk control system, the income can also increase by hundreds of millions.

"Okay, but I want exclusive agency rights in the banking industry. ”

"No problem!"