An Expert Is actually By My Side

When it comes to Yunmeng Group’s investment in shared bicycles, the recent pressure on modern bicycles is not small.

Since the "Jiangcheng Economic Evening News" published its outlook on the "sharing economy", more and more people have noticed this last mile business.

Start-up companies of the same category have sprung up in all corners of China, and more and more capital has entered this field, and they have begun to compete with modern bicycles for the market in first- and second-tier cities.

In the beginning, these new bike-sharing companies felt very stressed when facing the first-hand advantage of modern bikes. Whether it is users locked in deposits or full orders from bicycle manufacturers, they are in the early stages of imitation. It was difficult to walk.

However, this situation did not last long.

As the major bicycle manufacturers began to expand their production capacity, and the stock orders were digested at a speed visible to the naked eye, other newly born bike sharing brands finally appeared in the streets of first- and second-tier cities across the country.

Even though there is not a small gap between the amount of energy and the modern bike, but there are still a few bites of meat from the modern bike.

Among them, there are great people who are good at playing capital games. In just one month, three rounds of financing were completed, and PPT alone raised tens of millions of capital. There are also "evil ways" such as Youtian Bicycles, which have further "innovated" on the premise of the sharing economy, linking the gameplay of shared bicycle deposits with private lending.

Don't want to pay a deposit?

It's ok!

You can ride it first, and the deposit is equivalent to a loan from Youtian Bank!

In fact, Youtian Bank is not a serious bank, it is just an online lending company under Youtian Network that makes private small and micro loans.

Earlier, I made a fortune by relying on web games, and the value of pork has doubled because of the increase in the price of pork. The owner Ma Youtian immediately started the business of making money.

It’s just that Xia Guo’s CBRC has too strict controls on capital and does not allow him to increase leverage too high. This has led to the fact that Youtian Network’s business scale has not been able to grow, and it cannot give those who can neither make money nor control consumption. We put more of the wines and dishes.

Every time Ma Youtian thinks about this, he gets tired of it.

These uninspiring pawnshops are really disgusting!

Until the appearance of modern bicycles, let him see the light.

Such a huge deposit stock is simply tailor-made for Youtian Network!

In the second week after New Year's Day, shortly after the screening of "Jia Lan Yu", a grand celebration ceremony was being held downstairs in Jiangcheng Youtian Building.

Formally dressed employees stood in a row, congratulating Ma Youtian on opening the champagne and spraying the foam on the iron bull downstairs.

At 2:17 yesterday afternoon, the number of users of Youtian Bicycle successfully exceeded 2 million, and the deposit of 249 allowed them to instantly accumulate a fund pool of nearly 500 million.

The money will not stay in the bank account, but will enter the loan business of Youtian Bank. Loaning at the highest leverage ratio of ten times, their business scale is equivalent to a sudden expansion of 5 billion!

What is the concept of 5 billion?

According to the annualized interest rate of 10~16%, even considering the bad debt situation, a profit of more than five billion yuan can be created a year!

As for the profits of shared bicycles, they can be ignored at all. In his eyes, this thing is just a tool to gather funds. As long as the user does not take out the deposit, he can ride the car for free to the user.

Not to mention that most people who use cars are low- and middle-income people who have difficulty getting loans from banks. These people happen to be potential customers of Youtian.com.

In his eyes, the entire ecology he built has formed a complete closed loop.

It's perfect!

The secretary Li Gaoming, who was standing by, keenly caught the complacency on Ma Youtian's face, and it was time to give a flattery with a smile.

"Mr. Ma is mighty! According to our current trend to grow, surpassing modern bicycles to dominate the rivers and lakes is just around the corner!"

Ma Youtian was proud, but it would be too superficial if it showed on his face.

The corner of his mouth was pulled gently, and the face full of fleshy flesh was on the expression that everything was under control, and he said flatly.

"Then you need to talk about it?"

"And when is our goal to be a modern bike? Pattern, pattern! After having been with me for so many years, you still haven't made any progress."

Although he was criticized by his boss, Li Gaoming was very clear in his mind that his boss was proud of him at the moment. Where would he really be blamed?

I just want to use this opportunity to pretend to be forced.

"Boss, you are far-sighted. I'm just an ordinary person. How can the layout compare to you."

Hearing Li Gaoming's aggrieved tone, Ma Youtian smiled without answering, but looked at the Youtian Building behind him, squinted his eyes, and was smug in his heart.

What is the pattern?

He feels that this is what he called the pattern!

It is not to go public, nor is it to simply make money, what he desires is a power that can control his life.

Of course, this is not my own life.

He was already financially free, and he did it a long time ago.

Thinking of the young people in the future riding his bicycles to work, the first thing after receiving the salary is to pay back the consumer loan from Youtian.com, and his heart is filled with excitement.

Looking at Li Gaoming, who was the only one, Ma Youtian handed the champagne to the emcee next to him, sighing with his hands behind him.

"The pattern, the pattern."

"Those who have the silk win the world, so you are too young!"

...

Just as Youtian Network is celebrating the initial results of the bike-sharing business, a group of people are also sitting at the conference table in the office of the modern bike headquarters in Jiangcheng, discussing an industry report.

"In just one month, 300 large and small shared bicycle companies have entered the market. Although our number of users is still growing, our market share has fallen by 11% year-on-year."

After listening to the research report made by the executives of the marketing department, Yu Jie, the vice president of Modern Bikes, said with a surprised look.

"How come there are so many?"

"Not only the first and second tier cities, but also the third and fourth tier cities that we have not taken into account. Many local brands have emerged." Turning over the report in hand, the marketing executive continued, "And the users of this part , In January, 27% of the new users of shared bicycles in the whole industry."

Zhang Tao thought for a moment, then looked at Jun Lin who was sitting aside.

"Are we going to push the business forward?"

After two months of getting along ~www.ltnovel.com~ Now the entire modern bike start-up team has acquiesced in the status of the senior executive who was parachuted from Yunmeng Group, even if he did not hold any position in modern bikes. Position.

Regardless of whether it is a major or minor matter, as long as it is a problem encountered in the development of the company, Zhang Tao will discuss with him and make a decision.

"Not suitable," Lin Jun shook his head, and continued with a clear mind. "Our main battlefield is still the first and second tier cities. Now is the time to fight our competitors. It is too early to disperse the forces in the third and fourth tier cities. point."

Most of the third- and fourth-tier cities do not have subways, and public transportation is mainly public transportation. It is difficult to say the demand for shared bicycles. After all, most people's living circles are within walking distance, and it is completely satisfying to use your own bicycle when you occasionally need to ride a bicycle.

Taking into account the overall quality of residents, the product damage rate and depreciation rate may exceed expectations. From the perspective of comprehensive operating costs and income, it is not an appropriate choice.

"Now our top priority is to speed up the deployment of first- and second-tier cities while maintaining our current market share. According to my research, three Internet giants have already entered the market for shared bicycles, which will inevitably have a huge impact on the entire industry by then. !"

After a pause, Lin Jun said solemnly.

"In order to deal with the impact of capital intervention, we must speed up the progress of negotiations with the Sea Lion Group, and tie more powerful allies to our tank before other Internet giants use their own resource advantages to steal our market share."

After speaking, Lin Jun looked at Zhang Tao.

"Tomorrow we will go to the Shenzhen market together."

"If the situation is optimistic, this should be the last time before the second round of financing is successful!"

Zhang Tao nodded seriously.

"I'll listen to you!"