Winning the new financial era

Chapter 154 Building a Hometown
"Son, how did you know Liu Yonghao?"

Back home, when the family was eating lunch at the dining table, Zhang Qinghua couldn't help asking again.

"Who? Liu Yonghao? The one who sells feed?"

Liu Yonghao is well-known in Sichuan and Shu, Xia Xiaorong was a little surprised and asked.

"I met him on the plane! I wanted to chat with him about the development situation and trend of the feed industry.

As a result, he saw that I was very talented and talented in business, and while chatting, he suddenly wanted to pull me to open a bank together. "

Zhang Yida replied calmly while picking up the food, and then pretended to glance at his father casually after speaking.

Zhang Qinghua blushed slightly, thinking to himself, is there anyone who hates me so much?I just want to celebrate the New Year and make everyone happy!

Immediately after hearing the word "bank", Zhang Qinghua stared wide-eyed, looked at Zhang Yida, and said in surprise:
"Open... a bank? Should I invest in a city commercial bank or start a new private bank?"

"Private bank. When someone asks your son what he does in the future? You tell him he runs a bank.

Our family will also be a big family with a bank in the future. "

Zhang Yida is quite complacent, his relatives in his hometown don't understand farts, and they often say that Ruixiang is a usury...

Not only relatives in my hometown, but also some prejudiced people in the society see Ruixiang in the same way.

Even if the sharp lending interest is the highest daily interest rate of 6 ten thousandths, equivalent to an annual interest rate of 21.9%.

They also think that this interest rate is usury, because the annual interest rate of the bank is only a few percent.

Zhang Yida wanted to scold these people very much. If you mortgage the house to me, I can also give you a few percent interest.

Consumer finance business, such as bank credit cards, including various penalty interest, late payment fee, and compound interest, is only higher than Ruixiang.

However, the bank has a big brand, and everyone is more willing to trust the bank.

So Zhang Yida planned to set up a bank to clean himself up and at the same time make Ruixiang's development smoother.

"Do you want to open a private bank? Is it like Minsheng Bank?"

Zhang Qinghua asked, in his opinion, the bank is not just opened, all kinds of procedures, capital contributions... There are many problems, he has to take care of his son.

Knowing that his father had been a cautious person all his life, Zhang Yida simply repeated what he had said to Liu Yonghao on the plane.

"29.5% of the shares, then your company can get hundreds of millions? Is the fund enough?"

Zhang Qinghua said with concern.

"Small problem, most of the more than 90 billion yuan raised last year have not been moved, and the company has made a profit of more than 7 million yuan.

If it doesn’t work, just continue financing. "

Zhang Yida felt that if he didn't continue to spend money on mobile payment, Ruixiang's money would be too much to spend, and he would be able to get it together by investing in the bank.

"I heard from the second aunt next door that a company gave out 6 million red envelopes in the Spring Festival Gala yesterday, and she received more than ten yuan. The software is called Touronghui. Is it your company?"

Seeing that her son nodded in agreement, Xia Xiaorong began to criticize her son again:
"I said, you kid, why do you waste money like this?
I also sent 6 million red envelopes to the people of the whole country. Did your money come from the wind?
I still remember when I was a child, I gave you 10 yuan pocket money every day, and you were reluctant to spend it to buy snacks, and put it all in the piggy bank..."

"I didn't take all of them to buy fireworks later! I set off all the fireworks worth more than 1000 yuan by myself, and it took a few hours to finish. It's really cool!"

Zhang Yida added another sentence in his mind, but he didn't dare to say it.

"It's more than 6 million yuan! He gave out another 2.15 million yuan in red envelopes for the Wufu collection."

Zhang Qinghua added another sentence, it was revenge, and he was happy to watch his wife educate his son there.

"What? More than 8 million yuan? Zhang Qinghua, your son really needs to take care of it.

Don't understand the hardships of starting a business!He will suffer in the future.

We opened a feed factory back then!I borrowed money from all my relatives and friends, and even got a loan from a bank.

I wish I could split a penny in half and spend it..."

Xia Xiaorong began to tell the story of her husband and wife's hard work in starting a business. Zhang Yida had grown up hearing these stories since he was a child, and he already had immunity.

When I was young, I failed the exams, and my mother also had the same story. It is not easy for parents to make money!It is not easy for you to study!
Getting into trouble by disobedience is also the same story.

This set of stories can be called the growth bible that has accompanied Zhang Yida for 20 years.

If mom wants to talk, let her talk!Zhang Yida didn't bother to interrupt, and just ate the food by himself.

"Actually! His more than 8 million yuan was worth it! It is said on the Internet that he has made a lot of money from this transaction, at least 80 billion yuan..."

Zhang Qinghua saw that the fire was almost over, so it was time to come out and clean up the mess.Usually when he has nothing to do, he searches the Internet and pays attention to the news about his son.

The Spring Festival Gala Red Envelope and Five Blessings activities have also been interpreted by some Internet celebrities. More than 8 million have been exchanged for more than 8000 million new users, and the cost of acquiring customers is as low as 10 yuan.

Judging from the average customer acquisition cost in the Internet industry of hundreds of yuan, more than 8000 million new users need to spend more than 80 billion.

Ruixiang made a lot of money from this deal.

After telling Xia Xiaorong all these things, Xia Xiaorong's face looked better now, and she glanced at her husband reproachfully, meaning why didn't you tell me earlier, I scolded my son so much that he stopped talking.

Zhang Qinghua smiled in his heart, I said earlier, how can I watch the good show of strict mother training children.

"By the way, I sold some shares of Yimin Wangjin some time ago and cashed in more than 9 million yuan.

Dad, aren't you going to expand your territory next?I offer you 5 million. "

There is such a good thing?Zhang Qinghua was overjoyed, he also wanted to make a big career!

The brand of Dogford dog food has gradually been established, and the sales model has also been explored, but it is short of money to expand the scale.

Seeing her husband being so successful, Xia Xiaorong knew that he wanted to accept the 5 million from her son, so she gave her husband a hard look and said to Zhang Yida:

"Son! You should keep that money for yourself! You have dozens of companies, and if you need money for something urgent, you can afford it.

Me and your dad, you don’t have to worry, we have money, the dog food factory earned more than 8000 million this year, and it’s enough to build two more factories. "

"Yes! Keep it for yourself for emergencies! Your father has plenty of money."

Zhang Qinghua was stared at by his wife, and immediately agreed.

"No need, I'm short of money and just look for venture capital. Yimin Wangjin will also be listed in the second half of this year, and I may have to cash out at that time, so I don't need money at all."

Zhang Yida pretended to be rich and powerful. It is not easy to be filial to his parents these days.

"Is it going to be listed? So fast? How long have you started your business? Less than two years ago. The conditions are not met!"

Zhang Qinghua was surprised at first, then shook his head again and again.

"Go to the United States, where the conditions are low, and the market value can be reached."

Zhang Yida explained.

"When you founded Ruixiang, you invested 100 million. The 5 million will be considered as dividends."

Seeing that his parents insisted on not accepting money, Zhang Yida persuaded him from another angle.

Xia Xiaorong glanced at Zhang Qinghua and invested 100 million. Why didn't I know about this?

It's over, cheating!Zhang Qinghua glared at his son and began to say:
"By the way, the county magistrate is coming to our house in the afternoon, and he probably wants to talk to you about returning home.

Give you a vaccination first, can you see if there are any industries suitable for development in your hometown? "

"Let's talk about the 100 million yuan first? Didn't the county magistrate come here in the afternoon? What's the rush?"

Xia Xiaorong tilted her head and looked at Zhang Qinghua with a half-smile.

Oops!Failed to change the subject!Zhang Qinghua smiled and said to his wife:

"It's a painstaking effort for me to do this! I want to provide my son with a valuable opportunity to practice entrepreneurship.

You see, isn't this a success?

If it weren't for my 100 million, would my son be able to have such a great future? "

"I didn't say you can't invest money in him. But why don't you discuss it with me?"

Seeing his wife speak so righteously, Zhang Qinghua thought to himself: "Can I tell you? It's too late."

"Hey, blame me, blame me. I was busy opening a dog food factory at that time, and I forgot to tell you when I was busy."

Zhang Qinghua slapped his head and said with a look of remorse.

"That's right, I told Dad and asked him to tell you about it. I guess he forgot later."

Zhang Yida still had to help his father with the basket that Zhang Yida poked out.

"Okay, okay! Let's not talk about this matter. Let's talk about the coming of the county magistrate in the afternoon!"

Xia Xiaorong also knew that there was no point in asking about this matter now.Anyway, the money is spent on the son.

……

"The ancient county magistrate is here? Please sit down!"

In the afternoon, the county magistrate and secretary came to Zhang Yida's house. Xia Xiaorong hurriedly brought out plates of fruit and greeted him warmly.

Zhang Yida shook hands warmly with the county magistrate and his secretary, and the magistrate Gu said with a smile:
"I have known for a long time that there is a young hero in our Jinyu County, and today I finally have the opportunity to pay a visit.

"County Gu, it's serious. It's time for me to visit you. I just got home today, and I wanted to visit you in a few days."

Zhang Yida's size is just right, neither too close nor distant.

At noon, Zhang Qinghua roughly told him about the situation of the parent official.

As a major taxpayer in the county, Zhang Qinghua was fairly familiar with the county magistrate Gu, but they didn't have a deep friendship.

After chatting for a while, the county magistrate Gu said:
"Yida, you are a business tycoon, and our county's economy has been struggling. Can you give me some advice?"

"Hehe, I can't talk about giving advice. I mainly work on the Internet, and I am not very familiar with agriculture and industry."

Zhang Yida wasn't being modest, he really didn't understand, so he didn't speak indiscriminately if he didn't understand.

"It's okay, let's communicate! Speak freely."

The Gu county magistrate didn't put on any airs, he knew that Zhang Yida's business strength was very strong, and his small county magistrate might not be good enough.

"Then I'll just say it. Our county's pillar industry is still agriculture, and the fact that agriculture is the mainstay is basically determined by the geographical environment. There is nothing to shake this."

Seeing the county magistrate nodding his head, Zhang Yida continued:

"The advantage is that it is relatively close to the provincial capital, and it can create sightseeing agriculture and farmhouse fun!

In addition, our county also has historical and cultural relics.Our Yunding Stone City, as one of the Eight Pillars in Central Sichuan, was the first line to fight against the Yuan soldiers during the Southern Song Dynasty, and it is as famous as the Diaoyu City where Mengge Khan was killed.

Yunding Stone City has ancient city wall ruins and gun towers...

It’s okay to build a small tourist attraction…”

The county magistrate Gu nodded. He felt that what Zhang Yida said was quite good, and he didn't make big cakes. What he said was more realistic.

So he said:

"Yida, I heard that you are also studying history, so you come to make Yunding Stone City a cultural tourism project, what do you think?
Our Jinyu County has such a good historical and cultural relic, it would be a great pity not to build it well! "

(End of this chapter)