"Yes, that's a typical way of playing in our Internet industry.

In addition to the Spring Festival Gala red envelopes invested 600 million, we also invested 215 million in the Jiwufu activity.

815 million, in exchange for more than 80 million new users to register our software.

The cost of customer acquisition for a user is less than 10 yuan. In the future, each user will create a profit of more than 10 yuan for me, and we will recover the cost. ”

Zhang Yida saw that Liu Yonghao was quite knowledgeable, and said a few more words on this topic.

"In the past, when our company couldn't sell the feed, we gave credit to the farmers, so that they could feed the pigs with the feed first, and then settle the bill when the pigs were sold.

It's the same as your style of play!"

Liu Yonghao nodded and praised.

"My family also has a small feed mill in Jinyu County, which has been open for 20 years.

However, in this industry, there are too many giants, and it is difficult to become bigger. Now it has transformed into the pet market. ”

Zhang Yida said again.

It turned out that he was still a peer, and Liu Yonghao chatted with Zhang Yida about the development history of domestic pig feed.

Zhang Yida still understands the feed industry under the influence of his parents, and chatted with Liu Yonghao quite happily.

"Yida, what kind of cooperation did you talk about before? Can Ruixiang and Xinwang form cooperation in some fields?"

The drama is coming, Liu Yonghao basically touched the background of Zhang Yida and Ruixiang's business situation through nearly an hour of small talk, and now he began to ask about cooperation.

"Internet Banking!"

Zhang Yida has been thinking about this matter, and he didn't have the opportunity to contact Liu Yonghao before.

I saw a real person on the plane this time, how could I not get acquainted?

"Internet banking. Are you talking about an online bank like WeBank?"

Liu Yonghao had paid attention to this field earlier, and he already had the idea of establishing a bank in his heart, and he wanted to promote the implementation of this matter, and recently he was looking for suitable shareholders everywhere.

Hearing Zhang Yida mention this, he asked quietly.

"Yes, there are no branches, all business is done online.

With the development of Internet finance to this day, the technology has been very mature, and there is no problem with the software to establish this kind of Internet bank.

As far as Ruixiang is concerned, we do not have a branch in all parts of the country, and all the personnel are concentrated in the capital.

But our financial management, investment, borrowing, payment and other businesses are all covering the whole country.

How?

It is the use of advanced financial technology technology, including cloud computing, blockchain, artificial intelligence, big data and other cutting-edge technologies, driven by massive data to create a full online business process.

Ruixiang has Tiance Technology, which also does financial technology output for B-end enterprises.

Next, Tiance Technology will release a product called "Ruixiang Super Brain".

The product integrates eight core module functions, including account system, payment system, big data risk control, credit scoring, artificial intelligence, financial product design, digital marketing, and digital certificate functions.

Partners can call any module of the platform for their own use, and through API access, they can easily connect with the funders and quickly reach the scene parties, bringing reliable and intelligent digital financial services to B-end partners. ”

Although Liu Yonghao knows a little about the Internet, his understanding is not particularly in-depth, and Zhang Yida's words are in a fog, but he feels that Ruixiang is worthy of being a company with a valuation of tens of billions of dollars, and the technology content is still very sufficient.

Liu Yonghao smiled: "You want to pull me to start an Internet bank together?"

Zhang Yida bowed slightly, and said: "Xinwang Group is strong, and Ruixiang is willing to join forces with you to build a leading Internet bank in China." ”

"Who is the master, and who is the secondary?"

Liu Yonghao was already a little moved, but he was still very concerned about the relationship between primary and secondary, and he had this question.

"Naturally, Xinwang is the mainstay, and the sharp direction is secondary. Xinwang is a large private enterprise in China, you have abundant funds, and I have no opinion on being a major shareholder. ”

Zhang Yida knew that Liu Yonghao was very strong, and he held leading positions in the CPPCC and the Federation of Industry and Commerce, and the relationship between the upper echelons was very deep.

Private banks are not so easy to apply for, and they can't get in when they go to apply.

Liu Yonghao applied as a major shareholder, then the situation was different, and Ruixiang could also follow behind to drink soup.

"Even if we have two core shareholders, there are still a few shareholders missing? ”

Liu Yonghao was very happy to hear Zhang Yida say that he was willing to do it, and he was completely tempted by Internet banking.

"Then invite the rice group and the black flag chain, and the four of us will work together to promote the formation of the bank. ”

In the previous life, Xingwang Bank had these two shareholders, Rice Group had certain Internet genes, and Black Flag Chain was a local enterprise in Sichuan and Shu. Therefore, Zhang Yida decided to invite these two companies, because there are many people and there is great power.

"How to distribute the equity?"

Liu Yonghao is also very familiar with these two companies, rice was founded by the famous Zhongguancun model worker Lei Jun, and the Black Flag chain was founded by Cao Shiru, the iron lady of Sichuan and Shu.

Both companies are large enterprises, and they are qualified to form private banks together with Ruixiang and Xinwang Group.

"The upper limit of the shareholding ratio of a single shareholder of a private bank is 30%. This provision is to avoid excessive concentration of equity of the largest promoter shareholder and to reflect the principle of equity checks and balances.

Do you think this arrangement will work?

Xinwang Group can take 30% of the shares, Ruixiang will take 29.5%, give rice 29%, and Black Flag Chain will take the remaining 11.5%. ”

Zhang Yida threw out his own plan, this plan has already been drafted countless times in his heart, he thinks it is very reasonable, for Ruixiang, he has face and lining.

"Well, the plan is okay, after the Spring Festival, I will talk to Lei Jun and Cao Shiru.

This is a preliminary plan! I guess we'll have to wait until we've talked about it. ”

Liu Yonghao recognized this plan in his heart, and it was basically the ranking of shareholders according to the strength of the company.

But he is mainly worried about the attitude of the rice group.

As far as he knows, Rice Group only completed its Series E financing of $1.1 billion at the end of last year, valuing it at $45 billion.

Ruixiang's valuation of tens of billions of US dollars is still not far behind that of Rice Group.

As one of the top Internet financial companies in China, Ruixiang has strong financial technology and should be of great help to Internet banks in the early stage.

The specific result, he still has to talk to Lei Jun to find out. As for Cao Shiru's side, he is more familiar with it, and it should not be difficult to persuade the other party.

"Now that the bank is open, how do you think we should do business?"

Liu Yonghao asked Zhang Yida again.

"I think this issue should be considered in many ways. Let's talk about positioning and shareholder advantages first.

WeBank relies on Penguin and mainly does personal business. Penguins are domestic social hegemons, and shareholders have such an advantage, which must be used rationally.

The next thing to open is MYbank, which relies on Ahri and Leech Financial Services, and its service targets are mainly small and micro business owners.

Xinwang's advantage is agriculture, Ruixiang's advantage is financial technology and online customer acquisition, and rice's advantage is mainly technology technology and Internet genes.

The main gene of the Black Flag chain is retail, but because the main business is in the province, it has little advantage and can be abandoned.

I think that in the early stage, we should mainly focus on agriculture and rely on the advantages of Xinwang Group to expand business.

Of course, Ruixiang and Rice will also provide technical support.

Ruixiang can also provide traffic entrances for banks to help absorb deposits. In addition, Ruixiang also has a borrowing business, which can be provided by Internet banks to provide borrowing funds, and Ruixiang provides high-quality assets.

In addition, I also have a Jiayi people's loan company, which specializes in online assets, and now has a variety of consumer installment businesses such as education installment, tourism installment, and home improvement installment.

Yimin Loan can also provide high-quality borrowing assets for Internet banks.

By the way, I also have a loan company that specializes in rural poverty alleviation loans. Recently, we have been talking with banks about financial cooperation, and our bank has opened, and we can also take over the business.

In short, there is no shortage of high-quality assets. In the early stage, we just focus on the capital side. ”

Zhang Yida spoke the truth, Liu Yonghao kept bowing his head to show agreement, and suddenly Liu Yonghao said with a smile:

"Yida, I won't hide it from you, we also established a Xinwang Financial last month.

Xinwang Finance is positioned as a P2P platform that connects rural borrowers and urban lenders.

Provide financing channels for individuals, rural areas, rural areas, small and micro business owners, and provide financial investment and consulting services for institutions, individuals and other investors.

When the time comes, the bank will be formed, and Xinwang Financial can also contribute. ”

Zhang Yida had heard of this platform in his previous life, but it was not well-known in the industry, and the business was tepid.

This year is 2015, and all kinds of Internet giants and industrial tycoons have entered the P2P field.

At this time, everyone thought that this field had a future, and after a few years, it was clear that the pants were almost gone.

The influx of hot money into the P2P industry has promoted the prosperity of the industry and will also open the curtain of burning money.

First the VC money was burned, the VC money was burned out, and then the money of individual lenders began to be burned......

You can never wake up someone who is pretending to be asleep, and many P2P entrepreneurs think they can go ashore and end up drowning 99%.

However, Liu Yonghao only opened the P2P platform, and Zhang Yida couldn't pour cold water, and said with a smile:

"Mr. Liu, you have a very good vision! P2P does have a bright future. However, in the process of operation, we must pay attention to various risks, such as the risk of capital run and the risk of the outbreak of bad debts of assets......"

"Yes, Yida, you have a point. Isn't Tiance Technology doing external technology export?

We Xinwang Finance bought a set of your systems to try, and we are going to go to the battlefield, and we have to add some good equipment. ”

Liu Yonghao laughed.

"No problem, I will definitely give you the best price! ”

Zhang Yida said in Sichuan and Shu dialect, and Liu Yonghao nodded in satisfaction.

After the plane landed at Shuangliu Airport, Zhang Yida and Liu Yonghao chatted for a while while while walking.

Zhang Yida saw his father Zhang Qinghua waving to him, and said to Liu Yonghao: "Mr. Liu, my dad is coming to pick me up, then I will go first, and we will communicate by phone in the future, and you are also welcome to come to Ruixiang to guide the work." ”

Liu Yonghao also saw Zhang Qinghua and said with a smile: "I am also walking with your father, let's get to know each other!"

Zhang Qinghua saw that his son and a middle-aged man who was not small, and there was an assistant and bodyguard behind him, and when he got closer, he found that it was Liu Yonghao, he was a little surprised, and glanced at Zhang Yida.

Zhang Yida made a brief introduction to the two sides, and Liu Yonghao held Zhang Qinghua's hand and said:

"Brother Zhang, the tiger father has no dogs! You have given birth to a good son. ”

"Wherever he is, he is just a little troublesome, and he is still far behind, and he still needs to work harder. I also hope that Mr. Liu can bring more juniors. ”

Zhang Qinghua saw that the feed king Liu Yonghao praised Zhang Yida so much, and he also felt very faced, and he was modest, but he was also pleased that his son had a future.

After chatting a few words, Zhang Qinghua and his son also took a photo with Liu Yonghao, and the two sides said goodbye to each other.

After Liu Yonghao left, Zhang Qinghua posted a circle of friends with a smile, with a group photo of the three of them, and wrote with a text:

"I met Mr. Liu at the airport, and Mr. Liu hit it off at first sight and chatted happily. ”

Zhang Yida was speechless, but he still gave his father a little face and gave him a thumbs up.

A friend commented to Zhang Qinghua: "Yo, Lao Zhang is on his thighs!"

Some people also quipped: "Mr. Liu wants to buy your feed factory?"

Zhang Qinghua looked at dozens of comments of all kinds, and replied directly and uniformly:

"I didn't talk about acquisitions, nor did I talk about cooperation, but we exchanged the development situation and trend of the feed industry, as well as the impact of macro control of the industry!"