Zhang Yida was considering Lu Qi's words, and all companies invested in Huimin Travel and obtained their own benefits.

If a company travels behind the Huimin journey, it may have to bear billions of losses a year.

If everyone evens out the damage, everyone will be hurt, but the damage will be smaller.

"In addition, Yida, I have seen that Doushi also has the shareholding structure of Pindodo, the former is 80% shareholding, and the latter is 61.1%.

But your stake in Huimin Travel is very diluted, and the shareholding ratio is only 29.78%.

If all three companies inject assets into the merger, your shareholding in Zhonghe Group will decrease compared with that in Douyin and Pindodo.

If the valuation of Doudodo and Shake Eyes skyrockets in the next year or two, you will lose a lot. ”

"Well, I understand. ”

Zhang Yida's mind is now drifting far away, thinking of the various encounters and fates of the little yellow car and the little orange car in his previous life.

If nothing else, it will be difficult for Huimin Travel to obtain a large investment of more than $1 billion in the future.

It can't be said that it is difficult, it should be said that it is basically hopeless.

Unless Huimin Travel can enter a profitable state.

Otherwise, investors are not stupid, you have more than 80% of the market share, and you can't make a profit, do you have to be 100% monopoly to make a profit?

The project has entered the middle and late stages of the project, and the storytelling and concept cannot fool investors.

Everyone pays attention to one point, and that is "profit".

If Huimin Travel burns the last bit of money in his hand and is unable to obtain new financing for a long time, he is afraid that he will have to tear up with the investment institution.

In this case, investment institutions either sell their old shares and flee, or grit their teeth and continue to give Huimin Travel blood transfusion.

No matter which one it is, it will have an impact on Huimin travel. The former caused turmoil in the company, and the latter estimated that Zhang Yida was pulled for a blood transfusion.

However, Zhang Yida knows that the situation of Huimin Travel is much more optimistic than that of Xiao Huang and Xiao Cheng in his previous life.

First of all, the market pattern is not a competition between sandpipes and mussels, and there is a fisherman squatting next to Harrow Bicycle;

Secondly, Huimin Travel has opened online car-hailing, as well as diversion cooperation with other companies, including deposit financial management, and the financial situation can barely be seen;

In the end, it is his own financial resources standing behind him that are much stronger than Dai Wei and others.

However, with the two-stirring sticks of Harrow Bicycle and Little Blue Bicycle in the way, it will always hinder the price increase of Huimin Bicycle.

"In fact, I have a way to let Zhonghe Group get control of Huimin Travel, and at the same time, it will not cause your shareholding in Zhonghe Group to decrease, but can also increase your shareholding in Zhonghe Group. ”

Zhang Yida looked at Lu Qi and asked, "You mean to replace my equity in Huimin Travel with the equity of Zhonghe Group." ”

"Yes, that's the way. ”

Zhang Yida frowned and said: "I'm afraid that the investment institutions have opinions, and they may not be able to convince them." ”

"There is a way, and investors are most concerned about when Huimin Travel will be profitable.

As for merging or not, they don't care. According to my contact in the past few days, some investors still feel that the valuation of Doushi and Pindodo is too high.

In their view, there are only users, no revenue, and the future situation is difficult to say.

If you fight for it, they think it may be a Jumei product, and it is Vipshop, and it is basically impossible to surpass Goudong and Taobao. ”

Lu Qi lifted his glasses and said: "We are like this, Ruixiang, and even Zhonghe Group, as well as Ruimin Wealth Management, Yimin Loan, and Pate Holding Group, we all cooperate with Huimin Travel for payment."

As far as I know, the latter three companies have no right to speak because of poor traffic, or small company size, and they are all paid cooperation with Huimin Travel honestly.

However, Ruixiang and Shake Vision, as well as Pindodo, are not paid, and at most they are mutually diverted with Huimin travel. ”

"That's for sure," Zhang Yida said, "The number of users of Ruixiang, Shake Vision, and Pindodo is not weaker than that of Huimin Travel, so the status is equal."

The number of users of Ruimin Wealth Management and their companies is so many 8 million, there is no comparison.

It's impossible, call an app with 10 million users to guide traffic to an app with 100 million users!"

Lu Qi nodded, "That's right, but then we will suffer a little loss and give Huimin a sum of money, and the investors will have nothing to say."

Each of our companies purchased a batch of free cycling cards and distributed them to members of their respective platforms as membership rights to help Huimin Travel expand its revenue.

In addition, the Huimin Travel APP needs to be redesigned, and the diversion page needs to be jumped, which will always have an impact on user conversion.

Isn't that mini program starting to become popular now?

We have developed small programs for Pindodo, Doushi, Ruixiang, Yimin Loan, Ruimin Wealth Management, and Pete Network, and have done it on the Huimin Travel APP.

Most of the profits generated by these businesses are given to Huimin Travel, which is the greatest support. ”

Lu Qi paused, and said: "In addition to these, Huimin Travel itself has also explored ways to make profits, such as increasing the unit price of customers, riding frequency, and so on.

We are all doing our best to see if we can make Huimin Travel profitable.

If we can enter the state of profitability, we will consider whether to integrate into Zhonghe Group at that time.

If you can't get into a profitable state, you can only pool money to support it.

Ruixiang and Zhonghe Group are larger and can make more money.

Anyway, my opinion is that Huimin Travel has reached the ripe season, and we must try to enter a profitable state.

If it still can't reach a profitable state, either everyone will work together to raise it, or it will ...... Abandon.

Of course, there is no real attempt yet, just preparing for the worst. ”

Zhang Yida didn't speak, if the shared bicycle can't make a profit for a long time, should he give it up?

Probably not, Zhang Yida thought, it's a big deal for Lao Tzu to learn magnesium groups, and directly load the Huimin bicycle into the spelling dodo.

To scan the code to ride, you must download the Pindodo software.

Once you download the Pindodo software, there are so many "9 pieces of 9" and "19 pieces of 9", I don't believe that you don't have a single one that is tempted.

And the overlap between shared bicycle users and Pindoduo users is very high, they are all young people who are running around for life, and they don't pay so much attention to the quality of life!

"Okay, you go and get in touch with the major shareholders! Zhonghe Group, merge with Dododo and Shake Vision, and then inject my personal holdings in Huimin Travel. ”

Lu Qi nodded, Zhang Yida's plan to adopt his own proposal is undoubtedly the most perfect.

......

"Welcome all three!"

In the meeting room of Ruimin Wealth Management, Zhang Yida and the three executives of Wezhong Tax Bank shook hands one by one.

Ruimin Wealth Management wholly acquired WeTaxbank at a consideration of RMB 240 million.

Among them, 120 million yuan in cash and 120 million yuan in additional equity issued by Ruimin Wealth Management.

Zhao Yanhui, Geng Xinwei and Xu Wei obtained 0.7%, 0.525% and 0.175% of the shares respectively, as well as 48 million, 36 million and 12 million in cash.

Zhang Yida's personal shareholding in Swiss Wealth Management also declined, from 64.8% to 63.66%;

The shareholding ratio of Yimin Netfinance decreased to 9.82%, and Zhang Yida also indirectly held 4.67% of the shares of Ruimin Wealth Management through Yimin Netfinance.

In total, it also holds a total of 68.33% of the shares of Yimin Wealth Management.

Zhang Yida looked around at the company executives present and said: "Ruimin Wealth Management will upgrade the company's brand to Ruixin Group and comprehensively transform the field of corporate credit, everyone is psychologically prepared, right?"

An executive asked: "Mr. Zhang, our company's current main business is P2P, and the company's valuation is also supported by P2P." How should P2P business be handled in the future?"

"The regulatory environment for P2P business in China is becoming more and more complex, and we must be prepared for both.

At present, we have three subsidiaries: Ruimin Wealth Management, Xinglong Loan, and Wezhong Tax Bank, covering three major businesses: P2P, supply chain finance, and tax and banking platform.

From the perspective of business logic, Ruimin Wealth Management absorbs funds, Xinglong Loan conducts customer acquisition for corporate borrowers, and Weizhong Tax Bank provides risk control audit.

There is no problem with this set of business logic, and it will not be shaken for the time being.

It is just that the focus of our work will gradually shift to the field of corporate credit.

With the grasp of enterprise credit data, there are too many things we can do, we can make loans by ourselves, we can export risk control services, and we can also help enterprises do marketing and connect resources. ”

Fang Yuhan nodded and asked, "Mr. Zhang, then you still need to give instructions on the specific direction of the next work." ”

"The establishment of the M&A department," says Zhang, "includes corporate inquiry websites, SaaS software or financial cashier software.

There is only one purpose, to cover as many enterprises as possible and collect enterprise data. ”

Fang Yuhan said: "Okay, I'll go down and start arranging." ”

"Do you still have plenty of money?"

Fang Yuhan said with a smile: "There is still more than half of the $100 million injected by Yimin Netgold, and there is no need to inject capital for the time being." ”

Then she sighed again, "Mr. Zhang, do we really want to shrink the P2P business next?"

Now that P2P is in full swing, if we let go now, we will completely give up the market to our peers. ”

"In addition to the cooperation with Huimin Bicycle, other marketing channels have begun to shrink to reduce marketing expenditure. ”

Fang Yuhan's face was a little ugly, and he said: "The online drama insert advertisement we cast last time worked very well, did it stop later?"

"Stop!" Zhang Yida said, waving his hand.

"Yes!" Although Fang Yuhan was a little helpless, he could only obey the command.

"Next, I will announce some personnel orders. ”

Zhang Yida disrupted the three senior executives of Weizhong Tax Bank, the former CRO Xu Wei was promoted to the COO of Xinglong Loan, and the former chairman Xu Yanhui was transferred to the group headquarters as the CTO.

Geng Xinwei, the former CEO, continues to serve as the CEO of the subsidiary Wezhongshuiyin.

The three of them were very satisfied with Zhang Yida's arrangement and felt that they had been reused.

After the meeting ended, Zhang Yida left Fang Yuhan alone.

Zhang Yida knew that she might have some ideas, so he reassured: "I know that Ruimin Financial Management has developed to this day, and you have also put in a lot of efforts.

But let's face it, the Internet finance industry is too chaotic now, especially the C-side.

Runaways, non-suckers, non-collectors, all kinds of people. On the B side, because of the high threshold and thin profits, few people are willing to do it.

So, that's our chance......"

Fang Yuhan saw that Zhang Yida deliberately left himself and explained so much to himself, and the grievances in his heart were also swept away.

"Mr. Zhang, don't worry! I will definitely complete the task you have assigned with quality and quantity. ”

Fang Yuhan had a lot of resentment in her heart, and she knew that she had to endure it.

Seeing that Yimin Net Finance and Yimin Wealth have been listed, it is either the turn of Yimin Loan or their Ruixin Group.

But then Zhang Yida poured a basin of cold water on her, "If you go public, you can only arrange for Yimin Loan to go first, and their conditions are ripe in all aspects."

Ruixin Group, Xinglong Loan and Weizhong Tax Bank are too small, even if they are listed, they can't support much scale, so let's slow down!"

Fang Yuhan felt extremely aggrieved, if it weren't for the fact that she had been in the workplace for more than ten years and had been beaten countless times by society, she would have been about to cry at this moment.

Is there such a bully?

The majority of profits are distributed to benefit the people, and the asset side is not allowed to engage in profitable cash loans and consumer finance, and the most difficult corporate finance is cultivated.

Now it is also suffering from business transformation, and the listing has been delayed......

"Okay, I'll obey the arrangement!"

When he said this, Fang Yuhan felt an indescribable sadness, and his lips were pursed tightly.

It is really sad for those who hear it, and tears for those who see it!

Seeing this, Zhang Yida didn't say much, and said secretly: In a few years, you will understand my hard work, and I have also found a sunny avenue for Ruixin Group.

Doing corporate credit, corporate loans, and serving the small and micro economy, compared with consumer finance, it is simply full of positive energy!