Shen Beipeng moved quickly, and in a few days, he found helpers, two institutions, IDG and SoftBank China.

The investment of 100 million yuan was led by Blackshirt Capital, and IDG, SoftBank China, and Zhenke Fund each invested 50 million yuan.

IDG and SoftBank were a little unhappy, and when they found a good project, they both wanted to lead the investment.

In the end, it was Zhang Yida who made the decision, and the next round was led by IDG and SoftBank China, so that the matter could be settled.

After the completion of the RMB 250 million Series A financing, the shares of Petra.com were changed to:

Zhang Yida: 58.32%

Lu Fenghai: 6.48%

Option Pool: 7.2%

Blackshirt Capital: 12.8%

Zhenke Fund: 7.2%

IDG：4%

SoftBank China: 4%

Zhang Yida also has 20 votes for 1 share, with 93.3% of the absolute voting rights.

After receiving 250 million yuan in financing, Peter.com can also operate freely.

The operation sub-center continued to sink, and established local push branches in more than 30 provincial capitals and second-tier cities, recruited local push personnel, and continued to pull pet service merchants to settle in the Pete O2O service platform.

If it is online, it will increase advertising and drainage to attract new C-end registered users.

Search for keywords such as "pet feed", "pet hospital", "pet bath" and "pet care" on the three major search engines of Qiandu, 361 and Sogou, and all of them pop up on the advertising registration page of Peite.com.

The keyword "pet" in the major mobile phone application markets was also bought by Peter.com, and as soon as I searched for the word "pet", I immediately jumped out of Peter.com APP.

The self-media department is also making efforts, WeChat public account, Weibo, Tieba, Zhihu, and all kinds of Q&A websites are all praise posts from Pete.com.

Under the powerful money-burning offensive, the operational data of Petra.com ushered in a period of growth, and soon the number of registered users exceeded the million mark, moving towards higher data.

......

After dealing with the matter of Pete.com, Zhang Yida set his sights on Diandian.

After Chen Sheng, CEO of Diandianchip, was scolded by Zhang Yida last time, he was really ashamed and brave, and spent all his energy on Diandianchip.

Zhang Yida set him a goal of reaching 5 million registered users by December 31, and now it is only mid-November, and the number of registered users has exceeded 4 million. With just over a month to go, it should be possible to easily reach the 5 million target.

Called Chen Sheng to the office, the two sat on the sofa, Zhang Yida first gave a few words of encouragement, and highly affirmed his work during this time.

Chen Sheng was very excited, and finally kept his position. The progress of the work has been very slow before Diandian, and it is even slower than a snail compared with the parallel subsidiaries of Mung Bean Credit and Tiance Technology.

Chen Sheng was also helpless, he felt that he had done his best. But after being severely criticized by Zhang Yida, he learned from the pain, and really found a way for data expansion.

That is to rub the traffic of penguins and promote them in the WeChat circle of friends.

Promotion is also a technical activity, and it is necessary to concentrate the user's G-point.

Therefore, Chen Sheng selected a few terminally ill patients who have more stories and are easy to arouse the sympathy of users to launch crowdfunding, and then raised funds at full speed, and the whole company invested resources in the crowdfunding promotion of these patients.

One is a rural girl who was raised by her grandparents after her parents died when she was a child, and she was finally admitted to university, but she suffered from leukemia......

One is that a poor student in the countryside has been admitted to 985 University by his own efforts for many years, and he also has a good job after graduation. After half a year of marriage, he was diagnosed with uremia, and in the face of high medical expenses, his wife divorced and abandoned him, and the old father and mother in the countryside were helpless......

There is also a pair of 3-year-old twin girls who suffer from blood cancer, and in the face of sky-high medical expenses, their parents are selling cars and houses to save their children......

These stories are all real and typical. The staff of Diandianchip edited sensational articles for them and posted them on Diandianchip.

Then I shared it from Diandiantiao to the WeChat circle of friends, and when I saw such a tragic story, everyone was helping to donate money and forward it.

In just a few days, with the enthusiastic help of the masses, these fundraising projects were fully funded, and the staff of Diandiancai handed over the funds to several families who were in urgent need of life-saving money as soon as possible.

In the thousand words of gratitude from several families, the staff of Diandiancai took photos with them one by one to record this touching moment. and then posted these photos one by one to Diandianchip as a follow-up report.

And let each family write a word of thanks, and the system will retrieve the donor's information from the background, and send a text message to the donors one by one to thank you.

This is also what Zhang Yida specially emphasized, Diandiancai as a public welfare project:

"We must not only help families in need, but also live up to every love. ”

All the flow of funds for crowdfunding, as well as the follow-up patients, must be disclosed to all donors.

To be open and transparent, we must let every love be implemented.

Only by building this level of trust in the public welfare can this society promote a better society.

These activities were very successful, not only helped many families, but also benefited a lot, and completely made a reputation.

In just over a month, the number of users has skyrocketed by more than 3 million.

These more than 3 million users are not patient users who have initiated crowdfunding, but only light users who have logged in to Diantiao authorized by WeChat, or have made a donation once, or have only registered an account authorized by WeChat, and have no donation record.

Zhang Yida has always been very concerned about Diandian, and he is no stranger to operational data, and then asked:

"There are more than 4 million Diandian users, how many are the APP and WeChat, and how many are the daily and monthly users?"

Chen Sheng's face turned pale all of a sudden, and he asked about his difficulties again. Seeing this, Zhang Yida smiled and said with relief:

"It's okay, I'm glad you've reached over 4 million registered users now.

It is also normal for customers to have low viscosity. After all, who doesn't get sick logs in to our APP every day!"

Zhang Yida said this, Chen Sheng's face looked better, took a deep breath, and said:

"There are less than 500,000 APP users, and the other 3.5 million are basically WeChat users.

500,000 monthly active users, daily active users...... Less than 100,000!"

This data is really ugly, the ratio of APP and WeChat has reached 1:7, and most of the traffic comes from WeChat Dad.

There are 500,000 monthly active users, less than 1/8 of the total number of registrations. The daily active users are even worse, with only tens of thousands of people opening the app every day.

Zhang Yida thought for a few seconds and ordered:

"This stickiness is too low to be good for our plans for the future.

In this way, you can recruit more people for content operations, especially in the insurance knowledge section, write more articles, and send them to the Diandiantiao APP and official account.

Through the popularization of insurance knowledge, improve user stickiness and APP open rate.

In addition, it also instills the idea of insurance to the public, and lays a good user base for the "Diandian Mutual Assistance" project that we will launch next. ”

"Is it the project of mutual aid for serious illnesses?"

Chen Sheng had heard Zhang Yida mention this project before, but he didn't expect it to be put on the agenda so soon.

"Yes, it's mutual aid for serious illnesses.

Members who join can enjoy a benefit ranging from 300,000 yuan or 100,000 yuan in the event of a critical illness, and the cost will be shared by all members.

Diandian Mutual Aid makes it easier for low- and middle-income people and invisible poor people to obtain health insurance, and to a certain extent, alleviates and prevents the phenomenon of poverty and poverty due to illness in this part of the population. ”

Zhang Yida concluded that Diandian's mutual aid seems to be good, but there are still many flaws, mainly to cultivate insurance awareness for users and prepare for the launch of the ultimate product "Diandianbao".

Chen Sheng nodded and asked again:

"What kind of threshold do you need to set to join Diandian Mutual Aid?"

"Three conditions.

First, comply with health notices.

Second, the age range is 18-59 years old, and younger and older ages are at higher risk, so we will consider liberalizing them later.

Third, the mung bean credit score is higher than 650 points. ”

Zhang Yida has long thought about it, mung bean credit is the core key, and people without credit must not be pulled into this kind of mutual aid plan.

"Specific guarantees?" asked Chen Sheng as he took out a pen and paper and began to record.

"It mainly covers 100 major diseases, including malignant tumors! It does not provide other benefits such as mild illness and exemption, and it is just a critical illness product that "solves the problem of food and clothing".

The specific terms will be discussed with an actuary and legal counsel.

The amount of coverage is fixed.

If you suffer from a critical illness before the age of 18-39, you can get a claim of 300,000 yuan. Between the ages of 40 and 59, you can get a payout of 100,000.

The older you get, the higher the risk, the lower the amount of compensation! ”

Zhang Yida began to give Chen Sheng detailed answers, and analyzed them one by one.

"How much does it cost?" Chen Sheng asked again.

"Adopt the method of "guarantee first, pay later", you don't need to pay when you join, but there will generally be one or two deductions every month.

DiandianMutual Aid counts how many people are sick in each period, how much money needs to be paid in total, plus 10% of the operation and management fee, and then it is evenly shared by all members who join DiandianMutual.

Suppose 100 people are sick in the current period, and each person pays 300,000 yuan, and the total claim amount is 30 million yuan, plus 10% of the management fee, it is 33 million yuan.

If 5 million members join our Diandian Mutual Aid Program, they will share 6.6 yuan each month.

Therefore, there is no need to pay money when you join, but the money will be deducted from the user's Mobao payment account every month. If the deduction is not successful for more than 5 days, it will automatically withdraw from Diandian Mutual Aid and affect the credit history of Mung Bean. ”

Diandian Mutual Aid is not a public welfare, and it will definitely not be free like Diandian, and will charge 10% of the management fund as a management fee for the operation of the project. Zhang Yida still thinks it is very reasonable for this.

"Do you need an insurance company to issue a product?" Chen Sheng asked the point.

"Yes, but we have an insurance broker license and can participate in the design of insurance. If you find an insurance company to cooperate, you can customize the insurance plan for the customer and recommend the product. ”

Zhang Yida said with a smile, this step has been calculated a long time ago, and the insurance brokerage license has already been won.

"With Diandian Mutual Aid, do we still need to launch Dianbao in the future? I don't think there will be overlapping functions. ”

Chen Sheng pondered for a while and then said, he felt that a little mutual aid was already very comprehensive.

"No, a little bit of mutual aid can only provide a very basic guarantee. The sum insured is also not high. If you want to get higher protection, you have to buy commercial insurance as a supplement.

For the innovative benefits in recent years, such as mild illness, moderate illness, waiver, multiple claims, etc., there is no mutual aid.

In addition, with the increase of Diandian mutual aid members, there will be more and more patients, and the cost is not fixed. It is impossible to say whether it will increase or decrease.

In addition, mutual insurance is a new thing in our country and is not mature, and insurance companies and relevant departments do not have enough experience.

If the relevant state departments feel that the product is overly innovative and disrupts the market order in the future, it may also lead to the termination of the product.

There are many uncontrollable factors, and this is also an internal exploration and innovation.

What will happen in the future? No one can say?"

Zhang Yida sighed, this is how to do finance, and I am most afraid of policy changes.