Zhang Yida has a sentence in his heart that MMP doesn't know whether to talk about it or not, and the operation of net assets is a bit floating.

In the strict sense of the word, Huinong Loan is not a pure Internet company, and its business is basically carried out offline, and a large number of branches will be established in the future to recruit a large number of offline business personnel.

It is not an Internet finance company in the absolute sense, but more similar to a traditional microfinance company.

However, Huinong Loan also has certain Internet and technology genes, and the risk control system and business management system are all developed by itself.

So Zhang Yida said with a smile:

"Net assets are also shared, that is, in addition to fixed assets, Huinong Loan also has some intellectual property rights and virtual property, which is converted into about 100 million.

What do you think?"

Director Liu frowned, the reason why the foundation intends to invest in Huinong Loan is that it has achieved proud development results in just half a year since the establishment of Huinong Loan, and it has great potential, and he wants to buy shares at this time to pick up a bargain.

According to their internal assessment, the value of the loan for farmers will reach the top at most tens of millions at this time.

As far as I know, it has only been half a year since the transaction of the Huinong loan! Can your risk control system and business management system be worth 100 million?

This 100 million is your family's words!"

A young man sitting next to Director Liu was eager to perform in front of the leader, and took the lead in firing at Zhang Yida.

Seeing that the chairman was embarrassed, Bao Bufan, CEO of Huinong Loan, hurriedly came out to solve the siege, and said sarcastically:

"This little comrade said it very well! Whether it is worth 100 million or not, I think everyone has a pole in their hearts.

In order to show fairness, we will ask a third-party appraisal agency to evaluate the value of all intellectual property rights of Huinong Loan.

The risk control system with a bad debt rate of less than 1% is better than the system I used to work in a rural commercial bank.

I'm wondering if 100 million is a bit low.

Director Liu, what do you think?"

After speaking, Bao Bufan looked at Director Liu with a smile.

Director Liu glanced at Comrade Xiao Li who was sitting next to him, and asked you to talk more, and then I will clean you up when I go back.

Director Liu hurriedly laughed and said:

"I don't have an opinion, just according to Mr. Bao's intentions! Ask a third party to do a value assessment, which is fair, just and open. ”

After the group from the Poverty Alleviation Foundation left, Bao Bufan approached Zhang Yida and said:

"Mr. Zhang, what do you think? I came out of the system, and I know the situation inside, many of the people inside are rigid and stubborn, and they are not very receptive to new things.

Looking for them for financing?

It's better to find a venture capital institution to finance it!"

Bao Bufan was a little angry, the situation in the conference room today made him angry, what kind of thing? If you don't understand high technology, don't make a big fuss.

Zhang Yida patted him on the shoulder and reassured:

"Old Bao, I know what you mean. With such a situation, we have no choice.

If Huimin Loan wants to become bigger, it must pull them into the car.

With their shares to endorse us, it will be much easier for Huimin Loan to connect with bank funds and even issue bonds.

In addition, Huimin Loan will expand to the whole country next, and it is inevitable to deal with cows, ghosts, snakes and gods from all over the country, and we need them to make tiger skins for us. ”

Bao Bufan also calmed down, he was also the vice president of the Rural Commercial Bank, Zhang Yida pulled a little, and naturally understood the reason. He nodded and said:

"I understand, or Mr. Zhang is thoughtful. ”

"I have released the slogan of 10 billion yuan in three years to benefit farmers, and it will not be a success to slap me in the face. There's still two and a half years to go, and it's all up to you. ”

Zhang Yida patted Bao Bufan on the shoulder and said with a wink.

"In the first half of this year, 50 million were released, and there are 9.95 billion ...... This...... It's not funny!"

Bao Bufan looked at Zhang Yida with a sad face, and he remembered that Zhang Yida did pretend to be such a beep at the press conference half a year ago.

At that time, he had not yet joined Huinong Loan, and these things were later mentioned by his colleagues.

Hey, 100 billion, what's this called!

But he didn't dare to scold Zhang Yida, so he kept sighing with a bitter face.

"Hey, don't pretend, I know your ability, can this thing still stump you?"

Zhang Yida couldn't hold back and laughed heartlessly.

"If you lend 10 billion yuan, you have to have enough funds, right! Even if it is mainly a one-year loan, you have to have 3 billion yuan of funds to roll in it!"

Bao Bufan said seriously, this number was calculated by him after careful consideration. If the loan funds are insufficient, what will be used to complete the loan target of 10 billion yuan in two and a half years.

In addition, there is another meaning to say this, that is, to ask Zhang Yida for funds and resources.

"1 billion, this round of capital increase and share expansion, we will expand the paid-in capital to 1 billion, and the small loan company still has 0.5 times leverage, and you can find a bank to raise 500 million.

Another 1.5 billion will be raised through the issuance of bonds!

Let's do it for a year and see the results. If there is a funding gap, let's start financing again. ”

Zhang Yida appeased Bao Bufan in three or two sentences, and he asked excitedly:

"Do you really want to expand the capital to 1 billion?"

"Well, Ruixiang and Yimin Financial Services Group are both here to participate in the capital increase, and then call Black Shirt Capital and Zhenke Fund, it is estimated that it will be about the same!"

Zhang Yida looked into the distance, and began to think about how to persuade Shen Beipeng and Xu Xiaoming.

......

"Mr. Xu, Huinong Loan will be split and operated independently, we plan to increase our capital and shares to 100000000000000000000000000000000000000000000000000000000000000000000

Zhang Yida called Xu Xiaoming with a smile and said.

"1000000000000000000000000000000000000000000000000000000000000000

Xu Xiaoming has always been very concerned about the loans for farmers, and he feels that the poverty alleviation loans are very meaningful, and he promised Zhang Yida earlier that he was looking for him for lack of funds.

Now I know that the overdue rate of Huinong loans is less than 1%, and the risk control technology is first-class, I am more and more interested in investment.

After the A round of financing of Yimin Financial Services Group, Zhenke Fund currently holds 2% of the equity of Yimin Financial Services Group after VAM incentives.

After the split operation of Huinong Loan, the 2% equity was transferred to Huinong Loan Company.

The current net assets of Huinong Loan, including tangible assets and intangible assets, are valued at 110 million yuan, and after the 1 billion cash capital increase, Zhenke Fund needs to invest 20 million yuan if it wants to maintain its shares from being diluted.

Of course, if you want to take more shares, I have no objection, but not more than 5%.

How is it? Mr. Xu.

The next round of funding is not so cheap. ”

"Okay, then 5% share, Zhenke invested. ”

Xu Xiaoming directly agreed, and he also knew that this loan for farmers did not have much oil and water, and it would not have a high return on investment if it developed in the future.

But he still decided to invest without hesitation, not only out of trust and optimism about Zhang Yida, but also out of a good idea to repay the society.

It was very smooth to take down Xu Xiaoming, but Shen Beipeng's side was in trouble.

"Black shirt capital takes one or two hundred million out, that's no problem at all. But have you thought about Yida, and what are the future development prospects of Huinong Loan?

Where to go public, and how to give investors an exit channel?

Also, what is the position of this loan benefiting farmers? Poverty alleviation is the main priority, with benefits secondary, or is it profit-oriented, and poverty alleviation by the way?"

Shen Beipeng asked questions like a cannon, even if Zhang Yida was used to dealing with him, his scalp was numb from being asked.

After sorting out the language, Zhang Yida said:

"The future development direction of Huinong Loan will not waver, and it will continue to take root in rural areas and deepen rural finance.

If it goes public, I don't think it will be considered in three years. As for the future, maybe it will be listed on the A-share market!

In addition to listing, there are mergers and acquisitions or equity transfers!

Ruixiang will also develop in rural areas in the future, and the potential of urban residents has basically been tapped.

The vast countryside also contains many opportunities.

When the loan for farmers is developed, Black Shirt Capital can carry out equity transfer, and I think some companies will be interested.

In particular, New Hope is a company that is related to the rural market.

They don't want it, and Ruixiang can buy back your shares when the time comes.

In addition, the positioning of loans benefiting farmers will not change, with poverty alleviation as the main priority and interests as the secondary.

Making money doesn't necessarily mean making money, but it certainly doesn't lose money. It is to make certain concessions to interest on the basis of not affecting our normal operation and expanding scale.

You can rest assured that even if you don't make money, the size of the company will go up, and the shares will increase in value. ”

After listening to Zhang Yida's words, Shen Beipeng smashed his mouth and said:

"Black Shirt Capital wants 20% of the shares, and there is no need to sign a repurchase agreement.

I have only one request, that is, to benefit farmers not to forget their mission and original intention, and to persevere in determining the direction and goals.

Not to mention the many words, I believe you have a deep understanding of how difficult rural finance is.

I am also very pleased that the Huinong Loan has been successful in the valley county of Ganzhou Province, but it does not mean that this set can be easily replicated throughout the country.

Don't blindly pursue scale and growth, be steady!"

Shen Beipeng's words sounded the alarm for Zhang Yida, and Zhang Yida thought that the success of Valley County made him float a little, thinking that it was as if the national market was captured.

The farmers in the valley county are simple and repay the loans in time. It does not mean that the farmers in every region are so simple, and there will be no shortage of borrowers who cheat on loans in the future, or use the borrowed funds to eat, drink and have fun.

For this problem, we can only strengthen the risk control link.

The original intention of the Benefiting Farmers Loan was to issue entrepreneurial loans to farmers and lead them out of poverty.

If it is dragged down by the farmers' malicious loan fraud or the abnormally high overdue rate, it will become a joke.

In particular, the financial technology and super-first-class risk control technology that have been promoted will be slapped in the face, and if it is not good, it will be passed on to Zhang Yida personally and the two major groups of Ruixiang and Yimin.

It sounds ironic that those who engage in high-tech Internet finance have been killed by fraudulent loans and overdue loans, but it is not impossible.

No matter how good the risk control system is, it is also controlled by people.

If there is a problem, especially the front-line salesman, the person responsible for the preliminary review of the loan and the borrower collude inside and outside, it is scary to think about it.

Zhang Yida decided that the follow-up must introduce an inspection mechanism to all departments of the company, especially the business department and the risk control department, to prevent the emergence of pests.

Kill one and show no mercy.

Ruixiang Group is a little better, the borrowers are internally screened high-quality customers to open credit lines.

Yimin Financial Services has three major borrowing ends, Yimin Loan, Yimin Inclusive Loan, and Huinong Loan, all of which are relatively easy to breed pests.