Winning the new financial era

Chapter 110
Shen Beipeng moved quickly, and within a few days he found helpers, two organizations, IDG and SoftBank China.

Blackshirt Capital led the investment of 1 million yuan, and IDG, Softbank China, and Zhenke Fund each followed with 5000 million yuan.

IDG and Softbank were a little unhappy. They both wanted to lead the investment when they found a good project.

In the end, it was Zhang Yida who made the decision, and the next round will be led by IDG and SoftBank China to settle the matter.

After completing the A-round financing of RMB 2.5 million, the shares of Patenet have been changed to:

Zhang Yida: 58.32%
Lu Fenghai: 6.48%
Option pool: 7.2%
Blackshirt Capital: 12.8%
Zhenke Fund: 7.2%
IDG: 4%
SoftBank China: 4%
Zhang Yida still has 1 voting rights for 20 share, with 93.3% absolute voting rights.

After obtaining 2.5 million yuan in financing, Petnet can also let go of its operations.

The operation sub-center continued to sink, established local push branches in more than 30 provincial capital cities and second-tier cities, recruited local push personnel, and continued to attract pet service merchants to enter the petnet O2O service platform.

If it is online, it will increase advertising to attract traffic and attract new C-end registered users.

Search keywords such as "pet food", "pet hospital", "pet bathing" and "pet trusteeship" on the three major search engines of Qiandu, 361, and Sogou, all of which pop up are the advertisement registration pages of Patenet.

The keyword "pet" in the major mobile application markets has also been bought by Patenet. When you search for the word "pet", you will immediately jump out of the Patenet APP.

The self-media department is also making efforts. Wechat official accounts, Weibo, Tieba, Zhihu, and various question-and-answer websites are all Patenet’s positive posts.

Under the strong money-burning offensive, Petnet's operating data ushered in a period of skyrocketing, and the number of registered users soon exceeded the million mark, moving towards higher data.

……

After dealing with Pete.com, Zhang Yida turned his attention to Diandianchou.

After Diandianchou CEO Chen Sheng was scolded by Zhang Yida last time, he realized his shame and was brave enough to devote all his energy to Diandianchou.

张益达给他定下的目标是12月31日前达到500万的注册用户数，现在才11月中旬，点点筹注册用户数就已过400万了。还有一个多月时间，应该能够轻松完成500万目标。

After calling Chen Sheng to the office, the two sat on the sofa. Zhang Yida first encouraged him and highly affirmed his work during this period.

Chen Sheng was very excited, and finally kept his position.The work progress of Diandianchou has been very slow before, and it is even slower than the parallel subsidiaries such as Mung Bean Credit and Tiance Technology.

Chen Sheng was also very helpless, he felt that he had tried his best.But after being severely criticized by Zhang Yida, he learned from the pain and really let him find a way to expand data.

That is to rub Penguin's traffic and promote it in WeChat Moments.

Promotion is also a technical activity, and the user's G point must be concentrated.

Therefore, Chen Sheng selected a few terminally ill patients who were more storytelling and easy to arouse the sympathy of users to initiate crowdfunding, and then Diandian raised the funds at full capacity, and the whole company invested resources in the crowdfunding promotion of these patients. up.

One is a rural girl whose parents died since childhood and was raised by her grandparents. After finally being admitted to university, she suffers from leukemia...

One is a student from a poor family in the countryside who has been admitted to a 985 university through years of hard work, and has a good job after graduation.After half a year of marriage, he was diagnosed with uremia, faced with high medical expenses, his wife divorced and abandoned him, and the old parents in the countryside were helpless...

There is also a pair of 3-year-old twin girls suffering from blood cancer. Facing sky-high medical expenses, their parents are trying to save their children by selling cars and houses...

These stories are true and quite typical.The staff of Diandianchou edited sensational articles for them and posted them on Diandianchou.

Then I shared it from Diandianchou to WeChat Moments. Seeing such a tragic story, everyone was helping to donate money and forward it.

In just a few days, with the enthusiastic help of the general public, the fundraising projects of Diandianchou have been fully raised, and the staff of Diandianchou immediately handed over the donation to several families who are in urgent need of life-saving money .

Amid thousands of words of thanks from several families, the staff of Diandianchou took photos with them one by one to record this touching moment.Then I sent these photos to Diandianchou one by one as a follow-up report.

Each family was asked to write a sentence of thanks, and the Diandianchou system retrieved the donor information from the background, and sent a text message to each donor as a thank you.

This is also what Zhang Yida specifically emphasized, and Diandianchou is a public welfare project:
"It is necessary to help families in difficulty, but also to live up to every love."

All crowdfunding fund flows, as well as follow-up patient conditions, must be disclosed to all donors.

We must be open and transparent, and let every love fall into practice.

This kind of trust in public welfare must be established in this society in order to promote a better society.

These activities have been very successful, not only helping many families, but also benefiting a lot from Diandianchou, which has completely established its reputation.

In more than a month, more than 300 million users have increased dramatically.

These more than 300 million users are not patient users who have initiated crowdfunding, but only mild users who have logged in to Diandianchou authorized by WeChat, or have donated once, or only registered accounts authorized by WeChat, and have no donation records.

Zhang Yida has always been concerned about Diandianchou, and he is not unfamiliar with operating data, so he asked:

"More than 400 million Diandianchou users, how many are APP and WeChat? How many are daily active and monthly active?"

Chen Sheng turned pale all of a sudden, and asked about his difficulties again.Seeing this, Zhang Yida smiled and comforted:
"It's okay, I'm very happy that you can reach more than 400 million registered users now.

Low customer viscosity is also normal.After all, whoever logs in to our APP every day without getting sick! "

When Zhang Yida said this, Chen Sheng's face looked better, he took a deep breath, and said:
"There are less than 50 APP users, and the other 350 million are basically WeChat users.

Monthly active users are 50, and daily active users...less than 10! "

This data is really ugly. The ratio of APP and WeChat has reached 1:7, and most of the traffic comes from WeChat Dad.

50 monthly active users, less than 1/8 of the total registrations.Daily active users are even worse, with only tens of thousands of people opening the app every day.

Zhang Yida thought for a few seconds and ordered:
"This viscosity is too low, which is not good for our future plans.

In this way, you recruit more people for content operations, especially the insurance knowledge section, write more articles, and post them on the Diandianchou APP and official account.

Through the popularization of insurance knowledge, increase user stickiness and APP open rate.

In addition, it also instills insurance ideas in the public to lay a good user base for the "Diandian Mutual Assistance" project we will launch next. "

"A little bit of mutual aid, is it the project of mutual aid and mutual aid for serious illness?"

Chen Sheng had heard Zhang Yida mention this project before, but he didn't expect it to be put on the agenda so soon.

"Yes, it is mutual aid in serious illness.

Joining members who encounter a serious illness can enjoy a security fund ranging from 30 to 10 yuan, and the cost is shared by all members.

A little bit of mutual aid makes it easier for low- and middle-income groups and the invisible poor to obtain health protection, and to a certain extent alleviates and prevents the phenomenon of poverty due to illness among these groups of people. "

Zhang Yida concluded that Diandian Mutual Aid seems to be good, but there are still many shortcomings. It is mainly to cultivate insurance awareness for users and prepare for the launch of the ultimate product "Diandianbao".

Chen Sheng nodded and asked again:
"Then what kind of threshold do you need to set up to join Diandian Mutual Aid?"

"Three conditions.

First, comply with the health notice.

Second, the age range is 18-59 years old, the risk is higher at younger ages and older ages, and we will consider releasing it later.

Third, the credit score of Mung Bean is higher than 650 points. "

Zhang Yida had already thought about it, mung bean credit is the core key, and people without credit must not be drawn into this kind of mutual aid plan.

"Specific guarantee?" Chen Sheng asked while taking out a pen and paper and began to record.

"Let's protect 100 major diseases including malignant tumors! Without providing mild disease, exemption and other protection, it is just a "food and clothing type" critical illness product.

For specific terms, consult with an insurance actuary and legal advisor.

The amount of protection is fixed.

在18-39岁前罹患重疾，可以获得30万理赔。在40-59岁之间，可以拿到10万赔付。

The older you are, the higher the risk and the lower the compensation amount!That's how insurance is designed. "

Zhang Yida began to give Chen Sheng detailed answers, analyzing each one.

"Then how do you charge? How much does the user pay?" Chen Sheng asked again.

"Using the method of "guarantee first, pay later", you don't need to pay when you join, but generally there will be one or two deductions every month.

Diandian mutual aid counts how many people are sick every period, and how much money needs to be paid in total, plus 10% of the operation and management fee, and then shared equally by all members who joined Diandian mutual aid.

Assuming that 100 people are sick in the current period, and each person pays 30 yuan in compensation, the total compensation amount is 3000 million yuan, plus 10% of the management fee, which is 3300 million yuan.

If 500 million members join our Diandian mutual aid plan, they will share 6.6 yuan each month.

So you don't need to pay when you join, but money will be deducted from the user's Mobao payment account every month.If there is no successful deduction for more than 5 days, it will automatically withdraw from Diandian Mutual Assistance and affect Mung Bean's credit record. "

Diandian Mutual Aid is not a public welfare. It will definitely not be free like Diandianchou. It will charge 10% of the management funds as a management fee for the operation of the project.For this point, Zhang Yida still thinks it is very reasonable.

"Do you need an insurance company to issue products?" Chen Sheng asked the point.

"Yes, but we have an insurance brokerage license and can participate in the design of insurance. If we find an insurance company to cooperate with, we can customize insurance plans and recommend products for customers."

Zhang Yida smiled and said, this step has already been considered, and the insurance brokerage license has already been obtained.

"With Diandian Mutual Aid, do we need to launch Diandianbao in the future? I wonder if the functions will overlap."

After pondering for a while, Chen Sheng said that he felt that a little mutual assistance was already comprehensive.

"No, Diandian Mutual Aid can only provide very basic protection. The amount of insurance is not high. To obtain higher protection, users have to buy commercial insurance as a supplement.

For the innovative guarantees in recent years, such as mild disease, moderate disease, exemption, multiple payments, etc., there is no mutual assistance.

In addition, with the increase of Diandian Mutual Aid members, there will be more and more patients, and the cost is not fixed.There may be an increase, and there may be a decrease.

In addition, mutual insurance is a new thing in our country and is not yet mature. Insurance companies and relevant departments do not have enough experience.

If the relevant national departments feel that the product is excessively innovative and disturbs the market order in the future, it may also lead to the termination of the product.

There are many uncontrollable factors, and this is also our internal exploration and innovation.

What is the future like?Who can say no? "

Zhang Yida sighed. This is the way of doing finance, and he is most afraid of policy changes.

(End of this chapter)