Zhang Yida's itinerary in the United States was very full, and after arriving in the United States, he rested for the night, reversed the jet lag, and started the roadshow the next morning.

The first stop was set in New York, because New York gathered a large number of investment institutions and fund companies, and persuaded them, and the roadshow was more than half successful.

In a roadshow room at the Waldorf Astoria Hotel in New York, Zhang Yida stood on the stage energetically and demonstrated the roadshow PPT of Yimin Netfinance to many institutional investment representatives and media reporters in the audience.

"Ladies and gentlemen, today I would like to decipher to you the fastest-growing Internet finance company in China.

Why? Look at the big screen. ”

Zhang Yida put out the PPT through the remote control in his hand, which was a group photo of two employees.

One was taken in November 13 when it was first established, and there were only a dozen or twenty people in the photo;

One was taken a few days ago, and the photo is densely packed with heads, including hundreds of people, all of whom are employees of the headquarters.

Zhang Yida began to introduce: "The first photo is 21 months ago, when Yimin Wangjin was first established, and there were only a dozen employees in the company at that time.

The second photo was taken a few days ago, and it was just an employee at the company's headquarters.

At present, Yimin Netfinance has 152 branches in Chinese mainland, more than 7,000 employees, more than 3 billion US dollars in management funds, and more than 6 billion US dollars in cumulative borrowing funds......

And 21 months ago, we only had a dozen computers and a few strings of code......"

Zhang Yida turned the page of the PPT and then introduced:

Next is an introduction to the purpose of the loan for Yimin Wangjin's customers.

As you can see, 20% of customer loans are for eating, drinking, and having fun, 50% of customer loans are for business operations, and 10% of customer loans are for the purchase of home appliances, cars, decoration, etc.......

A group of blonde and blue-eyed foreigners in the audience watched intently as Zhang Yida gave them business introductions on stage, and they were all managers of major funds and investment companies.

The purpose of coming here today is to take a closer look, understand the business situation of Yimin Netfinance, and measure the value of the company, and then decide whether to buy some shares of Yimin Netgold.

"Our customers come from several major groups, white-collar workers, civil servants, business owners...... They all have one thing in common, they have a stable job or income.

This greatly guarantees the repayment rate of the funds we have lent......

Our independently developed "Eagle Eye" risk control model evaluates the credit of each user who applies for a loan through 5,000 information dimensions and 1,000 credit decision rules......

At present, the credit overdue rate of Yimin Wangjin Group has been controlled within 2%, and has maintained a downward trend for four consecutive quarters.

Risk control of asset quality has always been the most important task of our group. ”

Zhang Yida showed the success of Yimin Netgold in the past 2 years through PPT, and now Yimin Netgold is a commodity.

Zhang Yida is now a salesperson, vigorously displaying the selling points and various advantages of the product, with the purpose of impressing a group of institutional investors in the audience.

"Next up is growth and market outlook. ”

Zhang Yida flicked the PPT button, and a histogram appeared on the electronic projection screen, and continued:

"The size of China's consumer credit market was US$2.48 trillion in 2014 and US$1.53 trillion in the first half of 15 years, maintaining an ultra-high growth rate of more than 20% every year.

China's P2P transaction size was US$15.7 billion in 2013 and US$43.5 billion in 14 years, an increase of 177% month-on-month.

In the first half of '15, it was $76.6 billion, an increase of 252% from the previous quarter.

At present, China's P2P companies occupy less than 5% of the national consumer credit market share, and there will be a lot of room for improvement in the future......"

Zhang Yida listed a large number of data reports and various statistics, with one purpose: to tell the investors present how big China's consumer credit market is and how big is the imagination space of P2P in the future......

Don't hesitate, let's buy Yimin Wangjin stocks!

What you buy is what you earn!

The market value of $5 billion is only where it is, and as long as the market maintains this trend, tens of billions of dollars or even hundreds of billions of dollars are possible.

The next part is the investor's question, and Zhang Yida stands on the stage to answer questions and deepen the intention to buy stocks.

"Hello Mr. Zhang, I am the fund manager of Fidelity Investments, you can call me James. ”

A white male man in his thirties stood up, introduced himself, and asked:

"I am very moved by the speed of development of Yimin Netgold, and it is indeed a very good company.

But it also worries me a little bit, it has been established for less than two years, with more than 7,000 employees and more than $3 billion in assets.

With so many people and funds, how do you manage them effectively?"

"This is simple, we have a strict internal management system, the capable are on the top, and the weak are eliminated......

Then there is an internal management system that uses data to quantify the work saturation of each employee......"

The number of employees is getting bigger and bigger, and it may exceed 10,000 by the end of the year.

With so many people, it is definitely not possible to rely on manual assessment, Zhang Yida has promoted the mobile and technological office within Yimin Netfinance as early as possible, and independently developed a set of systems, including sales management, financial audit and other modules.

Zhang Yida's answer made James quite satisfied, this is called an Internet financial company, which attaches importance to scientific and technological research and development and labor cost control, and some shares can be started.

"Hello Mr. Zhang, I'm Carl, the investment manager of Vanguard Group.

As far as I know, the Chinese government's regulatory attitude towards the P2P industry is quite ambiguous, and there has been no specific policy guidance.

In the face of this uncertainty, what measures does Yimin Netfinance have?"

Karl's words poured cold water on other eager investors present, and they thought: Yes! Policy risks have to be guarded against!

All investors have turned their attention to Zhang Yida to see how he answers.

Zhang Yida said in his heart: These elites of Wall Street are not easy to fool, and they asked the key point at once.

"P2P in China, although the government has not given clear regulatory guidance.

But we believe that it will always be regulated.

Therefore, Yimin Netfinance has already considered countermeasures. ”

Carl's question is very sharp, Zhang Yida doesn't plan to avoid the important and light, that will only appear weak-hearted, everyone present is a human spirit, and he can't fool people.

Zhang Yida added: "I don't know if Mr. Carl has noticed a key piece of information in the prospectus disclosure, Yimin Netfinance has invested in an Indonesian e-commerce company, Bukalapak. ”

"I saw that some time ago, Yimin Netfinance invested $10 million in Bukalapak and obtained a 10% stake.

But what does this mean? In the face of unfavorable regulatory policies, Yimin Netfinance has transformed into an investment company or e-commerce?

Carl's words were very direct, and he didn't mean to save face for Zhang Yida at all.

He is an employee of the Pioneer Group, so he naturally puts the interests of the group first, and if he wants to buy the shares of Yimin Wangjin, he naturally has to ask all kinds of questions clearly.

"No, no...... Mr. Karl, you have misunderstood, investing in Bukalapak is only the first step of Yimin Net Finance to go overseas.

After the successful listing, Yimin Netfinance has raised enough funds and will continue to increase its investment in overseas business.

Bukalapak is an e-commerce company, and Yimin Wangjin has reached a certain intention with the other party, and will set up a local joint venture P2P company next, and the asset-side business mainly revolves around commodity shopping installment.

For the future, Yimin Netfinance plans as follows:

In the domestic business, we will continue to increase investment in the P2P field and seize more market share.

Overseas business, starting from Indonesia, will gradually radiate to the entire Southeast Asian region, and then enter more regions and countries to become a multinational large-scale Internet financial group.

Yimin Netfinance has leading financial technology and development funds raised by listing, which will become the advantages of our overseas business expansion. ”

Zhang Yida has drawn a big pie for a group of investors, a multinational large-scale P2P financial group.

This is not a fool, Zhang Yida really has the intention of developing overseas.

Southeast Asia, India, South America, Africa...... There is a soil for P2P companies to survive.

Karl took the lead in applauding, and the other investors applauded.

The basic business of Yimin Netfinance is operating very well, and now it has thrown out a "transnational" concept, which is definitely good news for Yimin Netfinance, which is about to be listed.

The investors present also considered whether to buy hundreds of thousands of shares to support it.

Then several investors asked questions, and Zhang Yida answered them one by one in a clear manner.

The roadshow in New York ended successfully, and Yimin Netfinance received a total of 52 institutions' intent to subscribe, with an intended subscription amount of up to 275 million US dollars.

Then, Zhang Yida was interviewed by several mainstream media such as the Wall Street Journal, the Financial Times, and the New York Times.

Goldman Sachs began to exert its strength and began to let Zhang Yida appear in the mainstream media to continue to build momentum for the next roadshow.

"Hey, good evening, friends, your sweetheart, Anna, is back on time. ”

In the New York TV studio, a brown-haired hostess spoke the opening remarks.

"Guess who the guest we invited today?"

Anna sold a pass, arousing the curiosity of the audience.

"When you're 20 years old, what are you doing? Somebody is studying, somebody is running Facebook, somebody is the youngest CEO in Nasdaq's 44-year history.

Please, Mr. Zhang Yida, CEO of Yimin Netfinance. ”

Anna shouted in an exaggerated tone, and then Zhang Yida strode onto the stage.

When shaking hands with Anna, the hostess gently scratched Zhang Yida's palm and looked at him with a smile.

Zhang Yida quietly took his hand back and began to have a conversation with Anna.

"I heard that Mr. Zhang also has a super unicorn in China with a valuation of more than $10 billion, which is also a company in the field of fintech.

Does this company have any plans to go public?"

Zhang Yida shook his head and said: "There is no plan to go public in the short term, Ruixiang Group has been deeply cultivating financial technology and is still in the initial stage.

For example, no major breakthroughs have been made in AI and blockchain research and development, and huge amounts of money need to be continuously invested.

The market must wait until our cutting-edge technology is commercially available. ”