"Celebrating the 4 months of the launch of LendingBei, the number of registered users exceeded 80 million, and the transaction volume exceeded 8 billion. ”

Zhang Yida sat in the audience, looked at the lines of big characters typed out of the LED screen on the stage, and sighed secretly: Scattering coins is really the most classic tactic in China's Internet industry!

Loanshell was officially launched on August 8, 2015, and by the end of this month, it had been in operation for a little more than 4 months.

Hu Gang and Wang Xiaojie have achieved such fruitful results, they must not be willing to keep a low profile, so they held such a grand press conference in a five-star hotel.

Zhang Yida, as an important partner of Han Dynasty Group, is also among the invited guests.

A chubby man with glasses on the stage was preaching:

"In the eyes of the outside world, we are a little stupid to borrow Beibei, and we have burned 20 billion yuan in marketing and promotion in the past few months, which is a model of stupid people with a lot of money.

Actually, everyone who knows the Internet knows what we're doing.

We have gained a lot during this time, first of all, our main acquaintance lending model has been successfully validated and confirmed that it is a sustainable business model.

Secondly, we gained 80 million users in 4 months.

This is a miracle in the history of China's Internet development. ”

The audience applauded thunderously and endlessly.

The reporters also took photos excitedly, and the flashing lights lit up the entire conference hall.

This is a big deal! In a few months, 2 billion yuan was spilled out.

Although I know that the loan shell must have "scattered coins", and a lot of them.

But when they heard the other party admit that they had sprinkled 2 billion, the reporters felt quite shocked.

Zhang Yida sprinkled 815 million yuan during the Spring Festival last year, which has shocked the entire industry and amazed the people of the whole country.

Unexpectedly, this year there will be a more local tyrant.

The reporters began to write, and the headlines they had all thought of, called:

"Shock! Internet Finance Upstart Emerges"

"Surprise! Loan Bay Wins Nearly 100 Million Users in Four Months"

"Burn 2000000000000000000000000000000000000000000000000000000000000

They guessed: With such an eye-catching headline and wonderful content, the news topic of this issue must be good!

Zhang Yida didn't know the person who spoke on the stage, so he inquired about the people around him, and learned that the person on the stage was named Wang Lu, the CEO of Loan Bei, and was very valued by Hu Gang and Wang Xiaojie.

In addition, this Wang Lu is actually a graduate of Beijing University, and he is considered to be Zhang Yida's senior brother.

Zhang Yida was speechless, afraid that Beijing University would not be able to protect itself in a few years!

In addition to himself, there are also Tang Lin, Yang Yihu and a group of online loan bosses, plus this Wang Lu, a few tables of mahjong can be gathered.

In a few years, these people will become the "loan kings" who lend tens of billions or hundreds of billions of dollars a year.

Aoki is similar, and has also cultivated a lot of talents who have devoted themselves to Internet finance entrepreneurship.

Taking the top 100 Internet finance companies in the country as an example, 80% of the executives are from the top domestic universities such as "Qingjing Fujiao Zhejiang".

Obviously, the ancient art of money lending, which has been passed down for thousands of years, has developed to this day, and it has begun to require technical content.

Wang Lu, CEO of LendingBei, then said on the stage: "The next development strategy of our platform will be divided into three steps.

In the first step, in 2016, we will continue to maintain large-scale marketing and customer expansion and create a national-level social financial application;

The second step, in 2017, on the basis of good users, the use of advanced and reasonable business models to make the platform enter a breakeven state;

In the third step, in 2018, the platform entered large-scale profitability and was listed on the Hong Kong stock market. ”

The people in the audience were also frightened by Wang Lu's speech, especially the first step he said, listening to this tone, next year will burn money as fiercely as this year.

So everyone in the audience whispered and discussed:

"Niu Pen, I have burned 2 billion this year, how much more will I have to burn next year?"

"National-level applications, how can you get three or five billion users. ”

"According to this money-burning method, I'm afraid I will have to throw another 10 billion into it. ”

"Hantai Group is so rich?

I heard that the leeks in the past two years have learned smartly, and Hantai Group is not as good as before in the secondary market, right?"

"Then it depends on whether Boss Wu and Boss Wang's scythes are fast enough and sharp enough. ”

"What are you talking about? The title of the king of the new third board of the Han Dynasty Group is not just talk.

Last month, people only set an increase of 10 billion, and some of them are money. ”

"Also, the market value of 110 billion yuan. Hu and Wang's two bigwigs have amazing financial skills!"

......

After Zhang Yida listened to Wang Lu's words, he smiled and said secretly: Burning money is also an art, and it is exquisite. Sooner or later, there will be problems with your burning method.

The platform does not have enough services, and users will slowly become dead fans when they come in.

Take Ruixiang as an example, without Mobao payment, at least half of the active users are dead.

There are no major financial supermarket sectors, bookkeeping butlers, credit card butlers, and active users are afraid that they will have to be lost.

Lending Bei's set of "pulling people back cash", just one financial management and lending function can not retain many users.

However, it is impossible for Zhang Yida to talk to them about these words.

They won't believe it, and they thought that Zhang Yida was jealous of them.

Zhang Yida plans to continue to watch the show honestly! When the two bigwigs are finished, Zhang Yida will go to receive their inheritance.

A few months ago, Hantai Group spent HK$15.5 billion to acquire FTLife, a Hong Kong-based life insurance company.

Zhang Yida's eyes are tight. He also saw that these two bigwigs wanted to take the route of Da Financial Holdings' full license.

Through additional issuance, the purchase of injected assets to the listed company, pull up the stock price, and then issue additional and then inject ...... This model carries out capital operation.

The biggest drawback or weakness of this model is debt and cash flow.

In the previous life, Hantai Group was forced to embark on the road of selling and selling because of the setback in the development of private equity business, a large decline in its main business income, and the depletion of its cash flow due to huge debts.

Wang Lu looked at the reaction of everyone in the audience with satisfaction, he was the operator of the loan shell project, with the popularity of the loan shell, he is now famous in the industry, and was rewarded by the boss with a 0.5% option of the loan shell company.

0.5% options don't seem to be much, but Wang Lu is very satisfied, according to the valuation of 22 billion yuan borrowed after the angel round of financing, this is worth 110 million yuan.

Wang Lu continued: "At present, Loanbei is already preparing for the second round of financing, and we are also welcome to contact interested investment institutions and us. ”

Many investment institutions are ready to move, in their opinion, the loan is very promising to become the second payshell, or almost, to become the second sharp direction.

An investor asked: "Mr. Wang, what is the current valuation of the borrower?"

Wang Lu said: "In May, we received the first angel investment of 2 billion yuan, and the post-investment valuation at that time was 22 billion yuan.

However, after half a year of development, the loan shell has also achieved remarkable results, and the current valuation is 50 billion yuan. ”

As soon as they heard about 50 billion yuan, many investment institutions that had some intentions immediately retreated.

50 billion yuan is converted into US dollars is 8 billion US dollars, and then it corresponds to 80 million users, and one user is worth 100 US dollars.

At present, there is no considerable revenue and profit,According to industry rules,Generally, how much money is a user gives to the valuation,At most, add a business model premium。

For financial start-ups, the valuation of a single user is higher than that of other industries, but it cannot reach $100.

In the eyes of some investment institutions, the bubble is too big.

Including the 2 billion angel investment of Lending, it was also invested by H&Q Group itself.

It is equivalent to hyping yourself up, and it has no credibility at all.

As a result, the scene was embarrassing, completely cold, and no one asked Wang Lu any more questions.

Zhang Yida couldn't hold back his smile so that he didn't laugh, and said in his heart: I told you to pretend to be forced, this is too much!

Wang Lu had no choice but to end this link in a hurry and enter other topics.

......

After the meeting, Hu Gang organized a dinner.

There were more than a dozen invited guests, except for Zhang Yida, who were all venture capital bigwigs, including Shen Beipeng, Zhang Sanshi, Tong Shijie, and Gan Renping......

Zhang Yida guessed that he wanted to attract investment, and sure enough, after three rounds of drinking, Hu Gang spoke:

"LendingBei currently has 80 million users, and we will strive towards the goal of 100 million, 200 million, and 500 million.

In this process, a large amount of capital investment is required. Therefore, Borrower is about to launch a round of financing, and I hope that all CEOs will support it. ”

Zhang Yida looked at his nose and nose, his nose looked at his mouth, and he was silent.

Tong Shijie lifted his glasses, looked at Hu Gang and asked, "I don't know what Mr. Hu's valuation of the loan is be? 50 billion yuan, don't take it out." ”

"Why can't you say it?" Wang Lu was a little angry, "As the brightest new star in the Internet finance industry in 2015, this development speed is definitely worthy of a valuation of 50 billion yuan." ”

Hu Gang felt that what Wang Lu said was quite reasonable, when Ruixiang carried out Series C financing, wasn't the pre-investment valuation also 8 billion US dollars?

But he didn't know that after more than a year of development, the number of registered users reached 190 million, and it had made great achievements in many subdivisions such as financial supermarkets, mung bean credit, and mobile payment.

Tong Shijie said "hehe" to this arrogant person, and then stopped talking.

Seeing that the scene was a little embarrassing, Wang Xiaojie hurriedly played a round and said with a smile: "Everyone here is a leader in the venture capital industry, why don't you estimate the price of the loan!"

"100 yuan for a user, 8 billion yuan valuation. Your customer acquisition cost is 25 yuan each, and we are willing to give you a premium of 3 times. ”

Gan Renping is still a little interested in borrowing and lending, so he expressed his opinion.

"This is a bit low, isn't it! The business model of borrowing Beibei cost us 2 billion yuan to explore, and the hidden cost is very high. ”

The people present also heard another meaning in Wang Xiaojie's words: the project that was made with hard work and risked a loss of 2 billion yuan could not be sold at 3 times the price!

"At present, Lendingbei has only confirmed its ability to attract new customers, and the retention rate and future commercial monetization ability are still unknown. ”

Gan Renping told his doubts, in his opinion, the loan shell is indeed full of flowers at present, like the sky.

But what the future looks like remains to be seen by time.

In this case, who dares to value you at 50 billion, is the money blowing in the wind?

Moreover, he has been in the investment field for a long time, although he only does VC, he has also heard of the domestic PE industry.

Knowing that Hu Gang and Wang Xiaojie are very wild, looking at this, the game of capital operation has begun to be staged on start-ups like LendingBei.

If you stupidly jump in, you won't be cut off as a leek.

"Yida, what do you think?" asked Hu Gang.

"I think the biggest disagreement between everyone is: whether the loan can keep the new users who have invested heavily in it.

Only time will tell.

Either suspend financing and wait for the platform retention rate to be reflected, or add a bet on the number of future active users. ”

Zhang Yida was not offended on both sides, and gave Hu Gang a "clever trick" to gamble.