Following.

Zhang Yida went to work refreshed, and when he arrived at the company, he first called Zhao Wenbin, and after asking for warmth, he said:

"Uncle Zhao, how is your cloud computing project going?"

"Hmm...... In the discussion, at present, we have contacted a number of giant companies such as Huawei and BAT, and after clarifying the advantages of policy and geographical environment, several companies are very interested. ”

Zhao Wenbin pondered on the phone for a while, but still explained the real situation to Zhang Yida.

"Oh, that's good. Ruixiang also plans to deploy a cloud computing center in Qianzhou. What do you think of this?

If I need to avoid it, I'll do something else. ”

Zhang Yida succinctly stated his thoughts.

"No, we're not relatives yet, so we don't have so many scruples.

Internet companies that come to invest in Qianzhou are all welcomed by our municipal party committee.

is in terms of policy, only a bowl of water can be leveled. ”

At this time, Zhao Wenbin was vigorously attracting investment in Qianzhou to develop the "Qianzhou on the Cloud" project.

"You don't need special support, just treat everyone equally.

Ruixiang Financial Cloud, there are not many service companies in the early stage, and they are basically Internet financial enterprises.

There won't be too many servers that need to be deployed, and the investment may not be too big, it's estimated to be about 1 billion!"

Zhang Yida explained his situation very frankly, and Zhao Wenbin said after listening to it:

"$1 billion, it's really not much, make do with it!"

Zhang Yida was a little speechless, and only said after a while:

"Uncle Zhao, that unit is wrong, it's RMB. ”

"Uh...... Didn't you raise $2 billion? Xiao Zhang, let me tell you, cloud computing represents the future......

A billion dollars investment is definitely not a loss!"

Zhao Wenbin chattered endlessly, and began to explain to Zhang Yida the benefits of cloud computing after a large investment.

"The main development direction of our focus this year is still in mobile payment, and the financing money is not 2 billion US dollars, only 1.5 billion, and the other 500 million is the traffic entrance given by Penguin.

Uncle Zhao, don't worry, the operation effect is good in the future, and Ruixiang will make additional investments after getting more financing. ”

Zhang Yida underestimated the enthusiasm of the leaders for attracting investment, and hurriedly promised Zhao Wenbin.

"That's all right! Don't forget, there's going to be an additional investment in the future. ”

Zhao Wenbin said with a smile, thinking to himself, your kid is also a big family, what's wrong with investing some money in your father-in-law? Your daughter is cheap to you, and the family still has to help each other!

That being said, when Zhang Yida came over to sign the contract after a while, Zhao Wenbin would not force him, just do what he can.

After teasing Zhang Yida, Zhao Wenbin's mood suddenly improved a lot.

Investment promotion is not so easy to carry out all at once, and other giants are verbal promises, and they are still playing Tai Chi for various policies.

Ruixiang is the first company to commit to the actual investment amount, and I believe that with this leading brother, other giants will be much easier to talk about.

After Zhang Yida hung up Zhao Wenbin's phone, he was also thinking about strategic issues in his heart.

Cloud computing technology, Ruixiang started late for so many years, and it is already wishful thinking to catch up with other giants, especially Ahri Cloud.

However, Zhang Yida is not discouraged, regardless of other fields, the big cake of Internet finance has to be eaten.

There was another sigh in my heart, and human desires are always endless.

It has only raised more than 9 billion yuan, and I feel that it is not enough to spend.

The $400 million plan is given to the research and development of four cutting-edge technologies, and the deployment of cloud computing will cost nearly half, 1 billion yuan.

The $200 million spent on the capital increase of the microfinance company has been consumed.

The $100 million replenishment of the reserve account and the acquisition of 49% of the shares of Hanzhou Securities cost more than half, 350 million yuan.

800 million US dollars were used for mobile payment promotion, and more than 800 million yuan was used for the Spring Festival Gala red envelopes and Jiwufu, and there are still more than 4 billion left.

When you have the right opportunity, you have to raise some more money!

After Zhang Yida made up his mind, he stopped thinking about these nerve-wracking things, and began to look down at the financial reports of various companies.

The first is Ruixiang.

In 14 years, the revenue was 6,524.52 million yuan and the net profit was 744.7 million yuan.

The seven major financial supermarkets and advertising businesses contributed most of the revenue and profits, with figures of 5.031 billion yuan and 3.22 billion yuan respectively.

Mobao paid revenue of 617 million yuan and net profit of -2.238 billion yuan.

Mung Bean Credit had a revenue of 112 million yuan and a net profit of 89.6 million yuan.

Tiance Technology's revenue was 456 million yuan and its net profit was 374 million yuan.

The revenue of the four cutting-edge technologies is all generated by Ruixiang Financial Cloud, with a revenue of 35 million yuan and a net profit of -855 million yuan.

Diandian's revenue depends entirely on advertising, with a figure of 3.52 million yuan and a net profit of -88.9 million yuan.

The investment and financing wallet and IOU lend 1.8 billion yuan of its own funds, with no capital cost, revenue of 270 million yuan and net profit of 243 million yuan.

Hanzhou Securities, Hantai Fund, Le Installment, Miao Installment and other companies do not have full control or absolute voting rights, and are not consolidated.

Zhang Yida was a little surprised, the financial statements, Ruixiang actually made a slight profit of more than 700 million this year, mainly supported by the advertising diversion business.

But the ceiling is also obvious, the growth rate of the advertising business is already slowing, and next year it may be good to have a 20% increase on this basis.

Large expenditures such as Spring Festival red envelopes and Jiwufu are included in the 15-year financial report, so the financial data of the 14-year period is better, and the group has no loss overall.

In terms of liquidity, Penguin's venture capital has received two 500 million US dollars, of which 2.389 billion yuan has been used, and the remaining 3.731 billion yuan.

After investing 100 million US dollars in the third quarter of Ruixiang Industrial Fund, its own funds also had a surplus of 162 million yuan.

Adding the two, Ruixiang's liquidity totals 3.893 billion yuan, plus the third $500 million that Penguin needs to allocate in March, Zhang Yida roughly calculated, and the total amount of funds that can be used in his hand is 6.953 billion yuan.

Putting Ruixiang's financial report aside, Zhang Yida began to read the financial report of Yimin Holdings again.

Yimin Holdings' 14-year revenue was 403 million yuan and net profit was 45.7 million yuan.

Among them, Yimin Wealth's revenue was 258 million yuan and its net profit was 76.2 million yuan.

Yimin Loan's revenue was 97 million yuan and its net profit was 22.5 million yuan.

Ruimin Wealth Management has a revenue of 48 million yuan and a net profit of -53 million yuan.

Yimin Wealth and Yimin Loan have fully entered profitability, and only one Ruimin Wealth Management is dragging its feet.

Zhang Yida thought that Ruimin Wealth Management has begun to access the traffic of Huimin Bicycles, and the marketing and customer acquisition expenditure should be greatly reduced in 15 years, and it should not be difficult to make a profit.

Huinong Loan was spun off from Yimin Financial Services, and Yimin Holding Group still holds a small number of shares, and Zhang Yida is the largest shareholder.

After receiving the capital injection of 1 billion yuan, the Huinong loan developed rapidly, but due to the late capital injection, the 14-year financial report did not reflect the effect of capital injection at all.

"The revenue in 14 years was 6.25 million yuan, and the net profit was 830,000 yuan. ”

Zhang Yida thinks about it and thinks it is normal, basically only 50 million yuan of loans have been issued to farmers in Valley County in 14 years, and the business scale is very small, and no loss is a surprise, and he no longer wants more.

Yimin Netgold Group's 14th annual report, Zhang Yida took a closer look, after all, it will be listed this year.

A total of 12 billion loans were disbursed in 14 years, with maturities ranging from 3 to 12 months.

As for why it does not match the 20 billion turnover of Yimin Wealth Management, Zhang Yida knows very well that this is a mismatch of some deadlines.

With the improvement of Yimin Finance's reputation, there is no longer any worry about having no investors.

In the second half of the year, Zhang Yida stopped this behavior and demanded that all claims must be matched one by one.

However, because there is a debt transfer product, not every user will hold the debt to maturity, and the transfer may occur in the middle of the process.

Therefore, the investment data of Yimin Wealth Management and the lending data of Yimin Inclusive will never be unified.

The loan amount of 12 billion yuan in 14 years has created a total of 12 billion yuan for Yimin Wangjin Group:

1.854 billion revenue, 394 million net profit.

Zhang Yida is quite satisfied with this achievement.

Special attention was paid to the cost expenditure items:

The capital cost is 840 million, the marketing cost is 200 million, the personnel salary is 180 million, and the bad debt provision is 240 million.

There are too many bad debt losses, and 2% of the loans cannot be recovered after collection, and the operating profits are advanced to investors and users.

The liquidity is very sufficient, with a net profit of 394 million yuan plus 222.2 million US dollars in Series B financing, and 1.774 billion yuan is still lying on the financial account of Yimin Network.

It's too wasteful to put so much money away, Zhang Yida sent an email to Fan Hongyang and instructed:

"The acquisition of an online small loan company, in addition to retaining a few hundred million yuan as a reserve fund, all the 1.7 billion yuan in Yimin's network financial account was injected into the online small loan company and lent with its own funds. ”

Then Zhang Yida flipped through the 14-year financial report of Peite.com.

The GMV in '14 was 506 million, and the monthly turnover exceeded 150 million in December.

Pete is a self-operated e-commerce, but GMV is a big thing.

GMV = sales + cancelled order amount + rejected order amount + return order amount, that is, GMV is the sum of paid orders and unpaid orders.

Revenue for FY14 was $275 million, which was about 55% of GMV.

The net profit is not very good, -35.8 million yuan.

Pete is in the stage of burning money to enhance its reputation, and almost all the goods in the mall are sold at cost price, and special prices are made every day.

The O2O business will issue full discount coupons to users every day, and free trial coupons...... Burning money is like running water.

There are still 230 million in liquidity, and the 250 million obtained by the A round of venture capital has only spent 20 million in the past two months.

Zhang Yida knows that Lu Fenghai is a person who has suffered and spends money very economically, but this money-saving method is meaningless, and it is too slow for the improvement of platform data and fame.

So he sent an email to Lu Fenghai and wrote:

"Lao Lu, you are spending money too slowly, you must burn 20 million every month for 15 years, and you must burn out the A round of venture capital by the end of the year.

Before December, it is enough to achieve a monthly turnover of seven or eight billion, and then start the B round of financing.

Don't be afraid of burning money, as long as the scale is expanding and the market share is increasing, there are local tyrants who will pay. ”

Then Zhang Yida began to look at the financial report of Huimin Bicycle, and the picture was touching.

The revenue was 20 million yuan, the cash loss was 61 million yuan, the depreciation loss of the bicycle was 36 million yuan, and the total loss was more than 7,700 yuan.

The 720,000 vehicles built are considered assets, which need to be amortized and depreciated in 24 months, and the depreciation is rapid in the first few months, and it is only worth 70%-80% of the ex-factory price after three months on the market.

The deposit financial management cooperation with Ruimin Wealth Management only started in January 15, and the income is not included in the 14 years, and the income of the 14 years is only the riding income.

More than 40 operation centers were built, 150 million yuan was spent on the purchase of 800 light trucks for dispatching bicycles, and 168 million yuan of working capital.

According to the financial model, the monthly income in 15 years will be between 40 million ~ 50 million yuan, the monthly expenditure will be 100 million ~ 110 million, and the monthly cash loss will be between 50 million ~ 70 million.

Seeing that Zhang Yida was shocked, he secretly said in his heart that if he didn't start a round of financing before March, it was estimated that he would have to go bankrupt technically.

Finally, there is Dogfud's financial report, Zhang Yida's early cash cow.

The revenue was 45.96 million yuan and the net profit was 22.6 million yuan.

Before and after, Zhang Yida siphoned off 5.5 million and 5 million cash from Dogford in April and July in the middle of the year.

Together with the remaining 2.6 million yuan injected at the time of establishment, Dogfud has a total of 14.7 million yuan in liquidity.

Zhang Yida feels that it is the cash cow of Dogfud that makes him the most worry-free, and he has never lost money since his inception, and has provided a lot of financial help when he founded Pete and Huimin Bicycle.

Although the growth potential is not large, the profit is stable!