Winning the new financial era

Chapter 128 Hard Wide Implantation
Huinongdai payment has introduced a third-party evaluation agency to evaluate the value of Huinongdai's existing business management system, risk control system and other types of software.

Combining various factors, including operating time, bad debt rate, coverage group, coverage number, etc., an evaluation price of 1.12 million was given for all intangible assets.

Director Liu and the others were a little dumbfounded, and it was 1200 million yuan more than Zhang Yida's price of [-] million yuan.

But it doesn't matter, public affairs are most concerned with procedures and processes. With this value evaluation, it is easy for Director Liu to explain when he goes back.

It doesn't matter if the price is expensive, as long as all illegal factors are ruled out.

Otherwise, the internal evaluation price of the foundation would be tens of millions. If his old Liu invested in the shares with a valuation of more than 1 million, and the news was sent back to the foundation, others would not know how to speculate on him.

It is said that he took a favor fee or something, which may affect his promotion.He is still young, and he feels that he still has a chance to climb up, and he dare not do risky things.

When Director Liu came this time, he didn't bring the young man who shot Zhang Yida with him last time.

What a joke, I don't have any vision at all, and I will only cause him trouble.He planned to change the department for the young man after a while and send him away.

The temple is too small to accommodate a true god!
After getting Huinongdai's intangible assets of 1.12 million yuan and tangible net assets of 0.1 million yuan, a total of 1.22 million valuations, Director Liu immediately gave feedback to his superiors and asked them to make a decision.

I don't know whether Zhang Yida's past achievements are impressive, or the Huinong Loan project makes the leader more face-saving.

The Poverty Alleviation Foundation’s decision-making efficiency is very high, and it gave a definite answer within a few days:

To vote, you must vote, and you are required to occupy 20% of the shares.

Zhang Yida, Xu Xiaoming, Shen Beipeng, Ruixiang Group, Yimin Group, and Poverty Alleviation Foundation signed a capital increase agreement.

Zhenke Fund contributed 5366 million, Heishan Capital contributed 2.1464 million, Poverty Alleviation Foundation contributed 2.244 million, Ruixiang Group contributed 4.488 million, Yimin Group contributed 5850 million, and a total of 10 billion yuan was injected into Huinongdai.

Shares changed to:
Zhang Yida: 9.79%
Zhenke Fund: 5%
Blackshirt Capital: 20%
Poverty Alleviation Foundation: 20%
Ruixiang Group: 40%
Yimin Group: 5.21%
The original share composition of Huinongdai is the same as that of Yimin Financial Services Group:

Zhang Yida: 72%
Option pool: 9%
Fan Hongyang: 4.5%
Ding Siyao: 4.5%
Blackshirt Capital: 8%
Zhenke Fund: 2%
The option pool was cleared by Zhang Yida, and Fan Hongyang and Ding Siyao's shares were worth 639 million, which was exchanged by Zhang Yida at an equivalent value, and part of the equity of Yimin Wealth and Yimin Wealth Management was transferred to them.

Yimin Financial Service Group is currently short of funds, so it only invested 5850 million yuan, accounting for only 5.21% of the shares.

Zhang Yida directly holds a 9.79% stake in Huinongdai, indirectly holds a 16.8% stake in Huinongdai through Ruixiang Group, and indirectly holds a 3.75% stake in Huinongdai through Yimin Group.

In total, they hold a total of 30.34% of the shares.

In terms of control, Zhang Yida has 55% of the right to speak in Huinongdai because he has the right to speak of Yimin Financial Service Group and Ruixiang Financial Technology Group.

After the capital increase was completed, Huinongdai received 10 billion yuan in cash at one time, and has 10 provinces with the most poverty-stricken counties in China: Guangxi, Henan, NMG, Shanxi, Sichuan, Hebei, Shaanxi, Qianzhou, Southern Yunnan, Ganzhou .

Nine provincial-level microfinance companies were newly established, each with a registered paid-in capital of 9 million yuan.The original Ganzhou Huinong Small Loan Company increased its capital to 1 million yuan.

After having sufficient development funds, we began to recruit employees widely, set up offices in impoverished counties, and recruited local people as business personnel.

Export the valley county model to other provinces and cities.

The business investigation team went to poor counties to conduct field visits on local characteristic industries, including planting, animal husbandry, handicrafts and other major rural industries, and formed a loan guidance report.

Then the business personnel will conduct door-to-door field inspections, home visits, and conduct a preliminary review of risk control.

Borrowers who pass the preliminary review are submitted to Huinongdai’s Beijing headquarters, which conducts a big data risk control check and decides whether to grant the loan.

……

At the same time, Huinongdai held a round A financing conference, announcing that it had obtained RMB 10 billion in financing led by Ruixiang Group, followed by Blackshirt Capital, Poverty Alleviation Foundation, Zhenke Fund, and Yimin Group.

At the meeting, Zhang Yida announced the establishment of 10 provincial-level small loan companies in the central and western regions at one time, and once again shouted the slogan of "ten billion in three years", emphasizing that Huinongdai is an enterprise that "supports farmers to generate income and eliminate poverty" vision.

Many mainstream media and official media came to the press conference, and launched a series of investigative reports on Huinongdai.

"The Miracle of Valley County, a Good Company for Helping the Poverty and Farmers - Huinong Loan"

"Driving more than [-] impoverished families in poverty-stricken counties to earn tens of thousands of yuan in half a year, Huinongdai implements the new society with practical actions"

……

Various media exaggerated Huinongdai as hype, and Zhang Yida was a little smug.

This time it was really in the limelight, and Ruixiang’s 20 billion US dollars in financing was not spread so widely.

The 10 billion spent is worth it!
Zhang Yida was secretly happy.

During this period, Zhang Yida received various calls every day. Some media wanted to interview him, as well as Huang Xin, Zhang Ming, Chen Wei, Robin Li, Dongfang Yu, Hu Gang, Wang Xiaojie and other entrepreneurs expressed their desire to invest in Huinong loan.

Zhang Yida has always declined interviews with the media.However, Zhang Yida readily agreed to the interview with the mainstream official media.

Many entrepreneurs wanted to invest in Huinongdai, but Zhang Yida declined on the grounds that it was inconvenient to refinance just after the A round of financing.

But he didn't say anything dead, saying that he could conduct A+ round of financing or B round of financing after a while.

Everyone gathers firewood and the flames are high!It is also very good to attract a vote of entrepreneurs to strengthen the momentum.

For Huinongdai, Zhang Yida has never thought of using it to make money, but as a stage to realize his own life value.

It has brought hundreds of thousands of families out of poverty, and the merits are immeasurable.

However, this driving process must be long and arduous. Zhang Yida is not in a hurry to make it a success. He is willing to wait ten or eight years.

In the society, Huinongdai and Zhang Yida were praised on the Internet, boasting that Huinongdai is a conscientious enterprise and Zhang Yida is a conscientious entrepreneur.

There are also some moral gentlemen who jumped out and said that Huinongdai is a company that seeks fame and reputation. It lends usurious loans under the cloak of charity and poverty alleviation, and the interest rate is much higher than that of banks.

He also said that if Huinongdai is really helping the poor, interest should not be charged, and interest-free loans should be issued.

Soon someone came out to educate them to be human, saying:
Issuing interest-free loans will first make borrowers lazy and have the idea of ​​​​getting something for nothing.

The Chinese people have always emphasized that hard work makes them rich. Huinongdai charges a certain amount of interest in order to put pressure on farmers, motivate them to work, and use their hands to change their backwardness.

Second, Huinongdai is an enterprise, and there is a cost for labor and capital. How can it operate in the long run if all interest-free loans are issued?
If we want to benefit more people, we should charge interest, maintain the development of the company, expand its scale, and provide this service to more impoverished areas and people.

This comment was analyzed very thoroughly, and it almost expressed Zhang Yida's heartfelt feelings. It received tens of thousands of likes on Zhihu, and even Zhang Yida couldn't help but like it.

……

January 2015, 1 is another new year.

In the studio, Yang Lan dressed intellectually and said in front of the camera:
"Hi everyone, welcome to "Interview with Yang Lan."

What are we doing when we are 20 years old?

The champion Hou Huo Qubing was 20 years old and sealed off as a wolf!
Zuckerberg founded the social empire Facebook at the age of 20 and became the youngest billionaire in the world.

Our protagonist today is also a 20-year-old young man. Have you guessed who it is?

Please, Mr. Zhang Yida. "

Zhang Yida, dressed in a black suit, walked from behind the scenes to the front of the stage, greeted the audience, Yang Lan, and the audience in front of the TV. After saying hello, he sat down on the sofa in the studio.

"Hi Zhang Yida! Thank you very much for accepting our interview.

Including me, and many audience friends in front of the TV are very curious about you.I would like to ask, what prompted your motivation and behavior to start a business? "

Yang Lan asked with a smile.

Zhang Yida thought for a while and replied:

"One time I went out and forgot to bring my wallet. The weather was hot, and I went to the side of the road to buy a bottle of water, but found that I didn't bring anything except a mobile phone.

I was thinking at the time that it would be great if the mobile phone could also pay.

Therefore, there was the later magic treasure payment. "

Before coming here, Zhang Yida had prepared a draft. In this interview, he will definitely ask what is the motivation for founding Ruixiang?
Certainly not for the money!

So Zhang Yida thought of such a reason, and advertised Mobao Pay by the way.

"Mobao payment is very convenient! Take out your mobile phone and scan the QR code, and you can pay. It really facilitates people's lives."

Yang Lan praised first, and then asked:
"Tell me about your entrepreneurial experience, how did you grow your business from small to big?"

Like a sunny boy, Zhang Yida replied with a smile:
"Ruixiang started as an Internet financial product recommendation service, and 13 was the first year of the explosion of Internet finance, and Ruixiang just seized this wave of opportunities.

Our APP includes three major functions: investment, financing and exchange.

At the beginning, there was only a voting function, but after gaining the favor of some users.We found that only the function of investment was too simple, and then we added Ronghehui.

Financing is borrowing, and remittance is transfer.

After the launch of these two functions, our user base ushered in a surge.

Ruixiang is a customer-oriented Internet finance company. Its development today cannot be separated from the support, companionship and encouragement of users along the way.

We do not forcefully pursue the expansion of the scale of the enterprise, and all development is to go with the flow.

More than half of the users are obtained by friends recommending friends and word-of-mouth publicity.

Specifically, some users find that our software is very useful, can invest, borrow, transfer money, and manage credit cards and bookkeeping...

The financial functions are complete and easy to use.

You recommend me, I recommend him, one pass ten, ten pass a hundred, just like this develops and grows.

Ruixiang now has 2 million users, all of whom are very sticky users. Nearly half of them, or 1 million people, use our software every day. "

Zhang Yida's hard work made Yang Lan slightly frowned. Do young people nowadays like to add drama to themselves so much?

(End of this chapter)