As an enterprise information query website, Tianyancha not only includes tens of millions of enterprise information, but also has tens of millions of C-end users.

For Ruixin Group, which aims to expand the enterprise credit platform, in addition to data supplementation, it also needs a traffic entrance like Tianyancha to sell its own services.

For example, corporate finance, corporate credit evaluation, and corporate intelligence trends...... and even office software.

Ma Ning, managing director of Goldman Sachs Asia, once said that a competitive third-party corporate credit product needs to be considered in at least three dimensions:

He is familiar with financial business and risk management, has a thorough understanding of Internet technology and artificial intelligence technology, and is keen on the direction and dynamics of financial technology and other supervision. ”

Zhang Yida's speech immediately attracted the attention of Liu Chao and Liang Shuang.

He smiled faintly, satisfied with their reactions.

He continued: "It is no exaggeration to say that Ruixiang, Yimin Netfinance, or Yimin Loan and Ruixin Group all meet these three conditions. ”

Liu Chao and the others did not refute, but nodded slightly in approval.

Ruixiang is a financial technology giant that can be called by Leech Financial Services, and Yimin Wangjin is the first listed P2P company in China.

The prospectus of Yimin Loan has also been submitted for a few months, and it is expected to become the "first share of consumption installment" in China.

Ruixin Group, which has the worst mix, is also a $1 billion unicorn.

However, the two of them always have a big question mark about the true valuation of Ruixin Group.

It is no secret that Yimin Netfinance invested $100 million in Ruixin Group.

This kind of related financing makes it difficult for people to believe in the true value of Ruixin Group.

At the same time, they also believe that Ruixin Group is a P2P company wearing the skin of corporate credit.

Excluding Ruimin Wealth Management and Xinglong Loan, there is only one micro-tax bank with a merger and acquisition of 240 million yuan, and the valuation is not as high as Tianyan.

"Ruixiang and Zhonghe Group are expanding all over the world, and Ruixin Group will follow in their footsteps and expand internationally.

Two senior brothers, think about it, if users can check the information of overseas companies in Tianyan, how convenient it will be.

Whether you are doing foreign trade or Chinese enterprises going overseas, you can check the enterprise information of overseas partners through Tianyancha to avoid being deceived.

At the same time, it can also open up the gap with other companies to query websites in one fell swoop. ”

This slightly aroused Liu Chao's interest, and he asked: "Ruixin Group really wants to expand overseas?"

After a pause, he continued, "You must know that collecting corporate information overseas requires a huge amount of manpower and material resources.

The most important thing is that, unlike in China, crawlers can be used to scrape data at will. ”

Liu Chao said this, Zhang Yida knows.

There is also a lack of awareness in this area in China, unlike overseas, where they will talk to you about all kinds of privacy rights at every turn.

He also knew that domestic enterprise inquiry websites also published the telephone numbers of corporate legal persons on their respective platforms.

Although there are a lot of phone information that is inaccurate, there are also quite a few that are accurate.

Therefore, this has attracted a large number of telemarketing members who have come to open a query of 360 yuan a year.

Many business owners are annoyed by all kinds of marketing calls for real estate, loans, and insurance.

Want to change the phone number or other information left on the website?

Yes, paying 3,000 yuan can be done properly.

If you don't pay, you can reflect on it in the "Hey, hello......" marketing calls!

But Zhang Yida knows that he won't break it, after all, it takes a good time to open a website!

"Senior Brother Liu, we all know what you said. ”

Zhang Yida looked at Liu Chao with a smile on his face, "For this track, Ruixin is already arranging the next round of financing, and the financing amount will not be less than 100 million US dollars."

If the funds are not enough, I will continue to increase investment as well as various partners.

Because we are optimistic about this track, we must be the first in the industry. ”

Although Zhang Yida said this with a smile, Liu Chao and Liang Shuang still heard the meaning beyond the words.

This track, Lao Tzu has taken a fancy to it, you don't obey Lao Tzu, be careful to take money and smash you to death.

Are Liu Chao and the others afraid of a price war? The answer is no.

The two of them looked heavy, compared to money, they must not be able to compare with Ruixin Group, because there is a 100 billion boss standing behind them.

They also heard that Zhang Yida cashed out more than 10 billion yuan from the merger and acquisition transaction of Huimin Travel, and he had more cash in hand.

In addition, Zhang Yida personally met with them today, and it can be seen that what the other party said is true, and he really likes this market.

The two smiled bitterly, how can such a dignified 100 billion boss be able to look up to such a non-oily subdivision?

"Senior Brother Zhang, let me ask you a question, what would you do if we didn't agree to the M&A transaction?"

Liu Chao's expression was serious, which made Zhang Yida laugh and said, "Then let's ask Qichacha again, if this company doesn't sell it."

Then we can only do one ourselves, and first seize the market with a free strategy.

Then, the overseas market also worked together to get some special functions. ”

Zhang Yida thought for a while and added: "We will not burn money in vain, and will develop more ToB services at the appropriate time, including corporate finance, SaaS, corporate marketing, and corporate credit scores...... and so on more abundant and practical functions.

At the same time, it is necessary to continue to deepen the subdivision field.

For example: incubation of intellectual property service platform, investment equity management platform ......"

Liu Chao kept nodding, these are what he wants to do.

However, limited to the company's development stage and the problems of capital and talents, it cannot and dare not be fully rolled out.

We can only focus all our energy on enterprise information query first, and penetrate into other subdivisions little by little.

The blueprint drawn by Zhang Yida is very beautiful, but Liu Chao also has his own considerations.

Seeing that Tianyancha is about to harvest the investment of 100 million yuan from the National Small and Medium-sized Enterprise Development Fund, with this background and funds, the road to success is close at hand.

But Zhang Yida wants to enter the game, which makes him feel a lot of pressure.

Zhang Yida is not a good stubble, how high he stands now, how many corpses of his peers and competitors are buried under his feet.

And selling himself to Ruixin Group made him a little unwilling.

is an entrepreneur, who hasn't had a dream of ringing the bell?

Liang Shuang is not as entangled as him, as a minority shareholder, he once served as a senior researcher at IBM Research Institute, a senior engineer at Qiandu, obsessed with technology and unable to extricate himself.

He believes that the merger with Ruixin Group is undoubtedly a good plan.

With the support of Ruixin Group's funds and connections, Tianyancha is just around the corner, and it can also enter the overseas market, and it will wrestle with international giants such as Dun & Bradstreet and Experian in the future.

As a programmer, there is nothing happier for him than to see hundreds of millions, billions of users using his work.

Zhang Yida added another fire, "400 million yuan wholly-owned acquisition, Ruixin Group shares or all cash can be." ”

This scheme is undoubtedly very attractive to many entrepreneurs.

For example, Liu Chao holds sixty or seventy percent of Tianyancha's shares, and chooses to exchange all Tianyancha shares for cash, and he can immediately become a billionaire, the real kind.

As a returnee doctor, Liu Chao has held important positions in Microsoft, Penguin, Sogou and other companies, and is also an expert in the national "Thousand Talents Program".

However, the gap between the annual salary of one million and the net worth of hundreds of millions is still a bit big.

The former can be called the middle class, while the latter can be called the rich.

Many people may not be able to complete the class leap from the middle class to the rich in their lifetime, but Liu Chao can be regarded as a leap.

Liu Chao recalled his entrepreneurial journey and resigned from the high-paying position of chief scientist of Sogou in 14 years.

Then the company registered in October of that year, together with 4 like-minded partners, completed the initial version of Tianyancha in a studio of less than 50 square meters in the Aoki Science and Technology Park Entrepreneurship Building.

With an annual salary of one million, he can't afford to rent a higher-end and spacious office.

However, in the early stage, it is mainly to do research and development work, which is not necessary at all; secondly, in the early stage of entrepreneurship, it can be saved, and every penny must be used on the blade;

In the end, there are family reasons, people in their thirties, both old and young, it is impossible to bet all their net worth to start a business.

This arduous life lasted for a year and a half, and it was not until Tianyancha received 25 million angel investment that the office environment gradually improved and moved to a new spacious and bright office.

agreed to Zhang Yida's acquisition, and he turned around and became a billionaire.

In just two years, the class leap has been achieved, which is the charm of entrepreneurship!

After thinking about it, Liu Chao said: "Senior Brother Zhang, this matter is relatively important, and we need to negotiate with all shareholders.

The response may be later, but no later than a week. ”

Zhang Yida nodded, it seems that this big data scientist is not really an axis, and he is still very good at making multiple-choice questions.

Talking about negotiating with shareholders is just a pretext. What is there to discuss about an angel investment institutional shareholder?

Either they are not satisfied with the price and want to boil the price, or they are pretending to be reserved, after all, they agree happily, which seems too casual.

......

The large conference room of Ruixin Group.

On either side of the round table, rows of investors sit.

"This is the operating data and investment data of Ruixin Group. ”

Fang Yuhan held up a stack of documents, and then asked the secretary of the meeting minutes to distribute the materials.

A group of investors took the information and carefully read it.

From time to time, there are investors who ask Fang Yuhan questions about the data recorded in the information.

These questions may be tricky or questioning, but Fang Yuhan is not stage frightened at all, and answers the questions of investors from all walks of life in a clear manner.

"Mr. Fang, I see that the future business focus of Ruixin Group will gradually shift to corporate credit and corporate services.

So how do you deal with Ruimin Wealth Management? Do you want to divest or exit?"

Long Yu, the founding managing partner of Bertelsmann Asia, put down the information in his hand and looked at Fang Yuhan, who was sitting at the top of the round table.

Fang Yuhan smiled faintly, "Mr. Long, the turnover of Ruimin Wealth Management exceeds 100 billion, and the scale to be collected is also more than 30 billion.

This volume is second only to Lufax and Yimin Netfinance, which is enough to rank among the top three in the industry.

Corporate credit is only a development direction of Ruixin Group in the future, and we still have to continue to do P2P. ”

"However, I think that Ruixin Group can digest less than 10% of the funds except for one Xinglong loan asset side, and most of the other funds flow to external platforms such as Yimin Netfinance.

Why don't you set up your own offline inclusive finance stores, or lay out online consumer finance?"

Long Yu looked at Fang Yuhan with a smile, "Ruimin Wealth Management only does simple capital wholesale, and the profit margin is not high.

I can't figure it out, why would Ruixin Group give up this big cake?

Could it be that there is something else going on?"