"How about we say we're launching monthly and annual cycling passes?"

Zhang Yida's heart moved, the price war must be unavoidable. But before the war came, it was not impossible to pull some people into the car first and complete more revenue.

"Monthly card, annual card, you are talking about a kind of membership card, pay for it, give certain discounts and discounts. And then you can ride for a month without paying for it, and you can ride for a year?"

Huang Xiaofeng understood the meaning of the card literally.

"Yes, it's a loyalty card. We issue this kind of membership card and make the revenue first.

After a while, a price war broke out, and we just followed suit.

But we've achieved our revenue target!"

Zhang Yida began to calculate, with more than 10 million users of Huimin Bicycle, how much membership fee can be charged?

I mean, in case there is a price war in a few months, all the bikes will be free to ride.

Isn't it true that the members that users pay for become a big road commodity? Those who pay for members and those who don't pay for them are treated the same way.

I'm afraid that some users will be dissatisfied and post complaints on the Internet. Being brought down by competitors will affect our corporate image a little!"

Huang Xiaofeng thought about it for a long time, and said in his heart, Mr. Zhang, your leeks are cut cool, but it is not conducive to shaping a positive image of the company!

"You have a point. Therefore, in addition to free riding, our membership card also has to make some other membership privileges. ”

Zhang Yida nodded, and said in his heart, it is true that he has ignored many details of the problem, and if it causes disgust among users, it will outweigh the losses.

After thinking about it, Zhang Yida's heart moved and said:

"Yes, isn't Ruimin Wealth Management embedded in the Huimin Bicycle APP? We give members investment red envelopes and trial funds. ”

"The trial fund is a kind of virtual investment cash, and mutual fund companies generally like to use it to attract new customers. Send 6,666 yuan, or 8,888 yuan to the user, and the user invests in a short-term target for seven days or ten days.

After the investment matures, the principal is recovered, but the income goes to the user.

Swiss Wealth Management does not suffer losses and can get a lot of registered new users. Users also get benefits, in addition to free riding, they can also invest and make money. ”

Zhang Yida was afraid that Huang Xiaofeng would not understand the "investment experience fund", so he explained it to him again.

"What if there are users who don't like to invest online?

Huang Xiaofeng feels that this investment red envelope, the trial fund has a certain compensation effect, but it may not be particularly good.

"Let's do it, you can find companies like Goudong and Penguin Video, cooperate with them, share some money, and add some of their membership privileges to the privileges of Huimin Bicycle members.

I also have a pet e-commerce company on Pete.com, P2P on Yimin Net, and a loan platform for Yimin Loan, and Ruixiang also has some membership privileges, which can be given to Huimin Bicycles.

As long as users buy Huimin bicycle members, in addition to free riding, they can also get investment and financial management red envelopes, fund red envelopes, insurance red envelopes, video members, and e-commerce members...... and so on dozens of platforms membership privileges.

With so many privileges, there's always one for him!"

Zhang Yida also broke his heart for the sake of users. However, members should make members feel worthwhile, then they can be sold!

"Hehe, Ruixiang, Yimin, Pete.com...... Everyone is a brother company, and there are many people who don't have money!

And Huimin Bicycle is still carrying a bet, Mr. Zhang, you see if the cooperation fee is waived!"

Huang Xiaofeng said with a shy old face, he also let go in order to complete the bet.

"Okay, no problem. All the companies under my name do not charge a penny for cooperation. Just give Penguin these external platforms!

If the drainage effect is good, I will ask the company under my name to give Huimin a discount. ”

Zhang Yida stopped Huang Xiaofeng and said, he didn't care about such a small amount of money. And it is not a loss to cooperate with Huimin Bicycle, and it is necessary to make money if you attract so many new users.

If he makes money, the big guy will give some blood to the little brother of Huimin Bicycle.

If you have money, let's earn it together!

"Uh...... Mr. Zhang, are you a related party transaction? With so many companies under your name paying us, will it be considered a violation by venture capital institutions?"

Huang Xiaofeng also understood that Zhang Yida had done whatever it took to complete the bet.

"Violating the rules? These are all normal business cooperation. Even if it is a blood transfusion, at most tens of millions and 100 million will die. The big head has to rely on the support of the main business of cycling. ”

Zhang Yida has dealt with venture capitalists so much, so he naturally knows which lines he can't step on. It's not a fake account, venture capitalists see the diversification of revenue, and it's too late to be happy.

"Okay, then do what you want, Mr. Zhang. I think our membership card is definitely very popular.

How much do we set for the price?"

Huang Xiaofeng patted his ass first, and then asked.

"The minimum cost of a ride is 5 cents, and a commute to and from work for an office worker rides once a day. After deducting working days a month, it is 22 yuan.

Let's set 10 yuan for a monthly card! Let's set 99 yuan for an annual card!"

Zhang Yida pondered and gave his own answer.

"Wouldn't it be too low? 10 million annual card members are only 990 million yuan. Even if all our registered users apply for annual cards, they will not be able to meet their revenue targets. ”

Huang Xiaofeng is very worried, it seems that this membership card can't make too much revenue.

"It's okay, just have to have a low price to attract people! Within a year, you can give me 5 million members. For the rest of the revenue, I'll figure it out. ”

Zhang Yida didn't expect the membership card to become the bulk of the revenue, and it would be good to give him a fraction of the revenue target of 1.44 billion.

"Okay, in addition to monthly and annual cards, can we also make a season card and a half-year card, so that it will be more flexible.

Some users who feel that a year is too long can also spend dozens of dollars to get a season card or a half-year card. ”

Huang Xiaofeng drew inferences from one case and immediately thought of a new idea.

"Yes, you have a good idea, just do what you think. ”

Zhang Yida boasted, Huang Xiaofeng still has a set of operation strategies, and it seems that this membership card is not without a chance to become a major part of the revenue.

"Okay, I immediately asked the team to form a project team and started working on designing our cycling membership card. ”

Huang Xiaofeng is also resolute in doing things, and when he left Zhang Yida's office, he began to arrange this matter.

......

"Lao Fan, what's the recent situation of Yimin Netfinance? In a few months, the prospectus will be submitted, so you have to hurry up. ”

In the office of Yimin Netfinance, Zhang Yida chatted with Fan Hongyang while drinking tea.

"Mr. Zhang, don't worry. Before the end of the year, we received $222.2 million in Series B financing, which was not put in the bank to eat interest.

First, he spent 20 million yuan to buy an online small loan license and developed an online credit product that "spends endlessly".

This product focuses on online small-amount loans, which just complements Yimin's offline large-amount lending business.

In addition, we have a total of 112 offline loan stores online, and have preliminarily completed the coverage of 29 provinces and municipalities across the country except Hong Kong, Macao, Taiwan, Xinjiang and Tibet.

There are more stores in the developed areas of the eastern coast, which have covered prefecture-level cities.

The central and western regions basically cover provincial capitals, and some prefecture-level cities will be gradually covered in the future.

Online, we have invested a huge amount of subsidies in the wealth management platform to attract new users.

Huge advertising costs have also been spent on online and building advertising, offline bus stops, subways, TV broadcasts and other channels.

Our goal this year is to complete the construction of a total of 200 offline stores and complete the matching of a cumulative online transaction volume of 70 billion. ”

"Lao Fan, that's good! Your speed of development is a bit beyond my expectations. ”

Zhang Yida first praised it, and then asked:

"Can the capital side keep up with the development rhythm of the asset side?"

"Well, I can keep up at the moment, but it's hard to say what the future holds. The pace of development on the asset side is much faster than that on the capital side.

The asset side only needs to enter a city, recruit a group of salesmen, and then with simple training, you can go out to run the loan business.

After all, the capital side is to let people take money out of their pockets. The nature is different, and it is much more difficult.

It takes a long time for a user to become an active investor on our platform. It is necessary to instill a lot of financial knowledge in users to educate them.

Now on the financial management side, the team size of 1,000 people, except for half of the technical and operational, the remaining half is telemarketing customer service. ”

Fan Hongyang believes that the development of the capital side is much more difficult than the asset side, which tests the platform's technology, brand, operation and other capabilities.

"There are 1,000 people in the headquarters of Yimin Wangjin, and there are more than 100 branches offline, so how many people are there?"

Zhang Yida was quite surprised, when he just came over, he found that there seemed to be a lot more people in Yimin Net, and the result was that it swelled to 1,000 people.

Fan Hongyang smiled and said: "We now rent 4 floors, two floors for technology and operations, and two floors for telemarketing customer service.

Offline, we have 50 people in a standard store, and there are more than 6,000 people in almost 112 stores!"

"There are more than 7,000 people, and Yimin is now the one with the largest number of employees among all the companies under my name. ”

Zhang Yida gave him a thumbs up, Ruixiang is only more than 2,000 people, and the Huimin bicycle under the heavy line has not yet recruited enough, and when the layout of each city is completed, it is estimated that it will have to fight with Yimin Net Gold in terms of numbers.

As for Yimin Wealth, Yimin Loan, and Ruimin Wealth Management, there are only a few hundred people, and Huinong Loan is also heavily offline, and the number of people is large, and it can only break 1,000 people.

"In fact, more than 7,000 of us are not much, mainly because there are many offline loan stores. Like those engaged in offline wealth, they are offline wealth management stores and loan stores. It is said that there are several families with tens of thousands of people. ”

Fan Hongyang said with a smile.

"I know that I can raise more funds by engaging in offline wealth, but it's a minefield, and I can't touch it, do you?

We'd rather go slower than steady. ”

Zhang Yida said, and then changed the topic and asked:

"After the layout of 200 offline stores is completed, it will be 10,000 loan salesmen. What is the approximate size of the loan this year?"

"This year's goal is to match 50 billion financial fund transactions, deducting the transfer and withdrawal of users halfway, and the loan size is expected to be 30 billion ~ 35 billion.

The task I gave to the stores that opened in the first half of the year is to make an annual loan of 1~200 million, which is measured according to the opening time, and the annual loan task for the stores that opened in the second half of the year is 10 million ~ 100 million.

The average distribution to the salesman is 30~400,000 per person per month. ”

Fan Hongyang took into account that the opening time of each store is uncertain, so there is also a distinction when issuing loan tasks.

"Each salesman can lend three or four hundred thousand yuan a month, can it be completed?"

Zhang Yida feels that this task is not easy, and only better salesmen should be able to complete the task.

"Mr. Zhang, you haven't been to the grassroots level, and you don't know the popularity of offline loan business. In the past, apart from banks, only microfinance companies and some private loan companies that did not even have a microcredit license carried out loan business.

Banks have high requirements, like to do mortgage business, like large business owners and customers with good qualifications.

There are not many procedures for small loan companies and private loan companies, but the interest rate is high, and the monthly interest rate is three or four cents.

Our monthly interest rate is only 1 ~ 2 points, and the amount is also high, 1-200,000, and customers with good basic qualifications can evaluate a limit of 50,000 or 60,000, 70,000 or 80,000.

A salesman is enough to complete the task by doing five or six customers a month, and the commission we give is 2%, and it is normal for a salesman to get a commission at the end of the month.

I feel that the commission is high, we now have a big brand, the interest is low, there are so many customers that they are dying, and the salesman basically belongs to making money lying down. ”

Fan Hongyang feels that the company's business is too hot now, and the development of the asset side can be described as a thousand miles a day, on the contrary, the funds provided by the capital side are somewhat insufficient.

"The market is so good, Yimin Wealth Management can't supply funds, have you ever thought about expanding other funds?"

Zhang Yida took a sip of tea and asked.

"Yes, I took $100 million of the more than $200 million we raised as my own funds. ”

Fan Hongyang felt that the $100 million was still too little, and it was a drop in the bucket.

"Hehe, how can a few hundred million yuan be enough? I mean to find banks to cooperate with trusts and insurance companies.

They contribute the funds, and we provide the assets.

What do you think?"

Zhang Yida looked at Fan Hongyang with a surprised face, expanding diversified funding channels, it is indeed time to put it on the agenda.