Winning the new financial era

Chapter 173 Bright muscles

"Loan baby"!
It really is this product.Alas, misfortune for the industry!

All fruit loans and meat repayments are promoted by this product, and it also gives wings to offline usury to empower the Internet.

The emergence of Zaidaibei provides an online platform for offline usury players, making it easier to acquire customers. Zaidaibei also exports a risk control system and provides collection outsourcing services.

In the past, those local beetles who were offline had no chance to intervene in Internet finance, and it was the opportunity provided by the loan.

Hu Gang's initial intentions may have been good, but he took it for granted, and ended up opening Pandora's box.

LoanBay is equivalent to just a technology platform. It does not touch the funds of both parties. It is only responsible for matching the transactions between the two parties, and then draws a certain handling fee from the transaction amount.

The interest rate and repayment time are determined by both parties to the transaction, and the users are at their own risk. The platform and related parties help to collect, but do not provide any promises and guarantees for the creditor's recovery of principal and interest.

When Zhang Yida was reborn, Beidu was still alive and well, and it was very paradoxical that he was not killed.

Just like Kuaibo, technology is innocent, and users have to mess around, so there is no way.

"Brother Gang, let me remind you! Your model is not easy to implement in China.

In China's credit environment, pure P2P has no place to survive at all.

Take a look at the clapping loan in Modu. It used to be called to be a pure P2P, only for information matching, and not for the bottom line.

Now look, you have been educated by society!
Now they have made the target again, and set aside a part of the operating profit as a risk insurance fund.

The name sounds good, but it is actually a cover for the bad debts that have been released and cannot be recovered. "

Zhang Yida didn't want to care about Hu Gang's life and death. It would be better if he died, and he should accept the financial license inheritance as soon as possible.

But being able to persuade the other party to quit and not let him engage in loan activities can be regarded as making a contribution to society.

"It's still a little different from them, we are all loans from acquaintances.

Users can read their address book after registering our Lending Bei APP.

Through the address book, lenders can screen acquaintances for lending on the platform.

Do you know what I mean?

That is, the lender first controls the risk by himself, and only then lends out if he feels that the borrower usually has good credit and is sure to recover the loan.

With this step, we can greatly reduce the difficulty of our risk control.

Moreover, every loan will be registered in our system. With more data, credit evaluation can be done.

The risk control of the platform will also become more and more perfect.

Another one, our lenders are all anonymous.The lender can see information such as the name of the borrower, but the borrower cannot see the information of the lender. He only knows that he is an acquaintance around him, but he can't guess who it is?

In this case, unless someone is willing to risk everything, everyone else will be in awe of the unknown, and will honestly perform the contract and pay back the money.

After all, most people will have one or two people they care about or fear more.

What if someone he cares about or fears lends him money?Because it is uncertain, the borrower does not know whether it is, so there is a deterrent effect in it.

Also, this loan has interest, and the interest is constant for both parties.

Lenders can also earn money through this software.If it is a collection, we will help him collect it.

In real life, many people just want the debt to save their face.

Zaidianbei also satisfactorily solved this pain point.

Our expectation for the future is: to build a social Internet financial platform with hundreds of millions of users.Everyone can lend and borrow money on the platform. "

Hu Gang thinks that his "Diandaibei" is simply a genius-like idea, the "Penguin" and "Ari" of Internet finance.

Every time he thinks that there may be hundreds of millions of users across the country lending and borrowing on the lending platform, and tens of millions or even hundreds of millions of transactions are made every day, Hu Gang can't stop the smile on his face.

Secretly said: It is also very hopeful to become a giant with a valuation of hundreds of billions of dollars in the future!Qiandu is not working now. Is there any chance for borrowing money to become the "third pole" of the Internet in the future?

Hu Gang said a lot to Zhang Yida, and there was a strong confidence in the whole speech.

Zhang Yida felt that he understood the other party a little bit. This is because he thought of lending as a big business, and the purpose was to make a national-level application, and he had high expectations for the market.

After thinking through this knot, it is not difficult to understand that the other party will invest 50 billion in this project.

In the previous life, 50 billion yuan was burned for real money, and it was promoted for a year or two.

The user will get 20 yuan for the real-name binding card, and another 20 yuan for the inviter. The cost of a user is 40 yuan.

Perhaps more than that, it was said in the previous life that some agents invited one for 30 yuan or even more.

After investing in shares and borrowing money, you will only go when your brain is convulsed.

"Brother Gang, Ruixiang is currently fighting the mobile payment subsidy war, and funds are also very tight.

How about this!After Liandaibei went online, I asked Ruixiang, Huimin Bicycle, Yimin Wangjin, Yimin Holdings...all the Internet companies under my umbrella to help you promote it. "

Zhang Yida also took up Hu Gang's idea, and planned to grab the biggest wool of 2015.

"Hey...it's okay! If you can help us promote it, that would be the best."

Hu Gang didn't seem to mind it at all, and it was a bit like "business can't be done with benevolence and righteousness".

After hanging up the phone, Hu Gangmin glanced at Wang Xiaojie who was standing not far from him with an expectant expression on his face, shook his head and said, "It's no use, I refused. I also advised us not to enter the mutual fund industry rashly."

"I guess I'm afraid we'll steal his market! The mutual fund industry is so big, how much can his family eat?"

Wang Xiaojie was very angry, thinking that Zhang Yida was too ignorant of flattery.Thinking that you are a fellow townsman, taking you to make a fortune together, not only is it ungrateful, but also gives us some eye drops.

"Hey, forget it. Everyone sweeps the snow in front of the door. Since he doesn't want to participate, why should we force it?"

Hu Gang absolutely did not believe that Zhang Yida had no money. Rui Xiang had raised billions of dollars, and even the smaller Huimin bicycle and Yimin Net Finance had raised hundreds of millions of dollars.

If you say you have no money, you are either not optimistic about the borrower, or you are afraid that the borrower will rob him of his market.

No matter which one it is, Hu Gang feels that he wants to start a loan operation and slap the other party in the face.

"By the way, how is the discussion going with Brother Mao Quan? Is there any problem with the endorsement?"

Hu Gang asked Wang Xiaojie.

"It's tens of millions, can you not agree?" Wang Xiaojie said, and then said with emotion: "It's better to be a celebrity to get money!"

"I want you to be a star, and the other party will be a capital boss. Would you like to?"

Hu Gang made a joke.

"Forget it, I'll be a craftsman honestly, let's cut some leeks!"

Wang Xiaojie smiled, and thought: This is just a joke, thinking that if that silly woman said "I am a wealthy family", every celebrity is really a wealthy family.

……

"Yida, this is Mr. Lei, Mr. Lei, and Mr. Cao Shiru, Mr. Cao."

At the invitation of Liu Yonghao, Zhang Yida came to a five-star hotel tonight.After entering the private room, Liu Yonghao made an introduction for everyone.

"Mr. Zhang, hello!"

"Mr. Zhang, young and promising!"

Lei Jun and Cao Shiru shook hands with Zhang Yida respectively and said hello.

After several people were seated, Liu Yonghao took the lead in speaking:
"Today I invite a few people here, mainly to talk to you about the establishment of an Internet bank.

It is rare for the country to let go of the application of private banks. This is a once-in-a-lifetime opportunity.

Chinese banks have rarely heard of money-losing and bankrupt ones.

A bank is an excellent asset that preserves and increases in value.

Not much gossip, today is to determine the proportion of their respective capital contributions; as well as the division of responsibilities and obligations of shareholders and the integration of resources. "

"Mr. Liu, I have no objection, you can arrange it."

Lei Jun was full of smiles, and he was the first one to express his opinion.

"Well, I have no objection either. Ruixiang will definitely fulfill its due responsibilities and business."

Zhang Yida nodded. Ruixiang is in urgent need of funds. It will be much easier if there is a bank in which he owns a share.

"My side? I have a small question. I need to ask Mr. Zhang."

Although Cao Shiru is over 60 years old, there is still a sharp edge in her words.

If Zhang Yida looked at Cao Shiru with interest, was he trying to attack himself?
The Black Flag chain was founded by Cao Shiru from the old state-owned enterprise "Black Flag Shopping Mall". It is said that when the restructuring was carried out, more than 1000 million yuan of debts were carried along with it.

It is not easy for a woman to have such courage.

Among the more than 13000 employees of the Black Flag chain, 80% are women, and many of them are laid-off women workers and migrant workers.

With these women, Cao Shiru opened 1300 convenience stores in the central and western regions, and listed on the Shenzhen Stock Exchange in 2012.

She herself was also promoted to become the top ten richest people in Sichuan and Sichuan.

For this kind of legendary woman, "Iron Lady", Zhang Yida admires very much.

But admiration is all admiration, if you stop yourself from buying shares in Internet banks, you will not give in.

Liu Yonghao glanced at Cao Shiru with displeasure, and thought, why is this woman crazy?Didn't we agree earlier?Don't let Zhang Yida down.

Just as Liu Yonghao was about to speak to stop him, Cao Shiru preempted him. She said, "Mr. Liu, let me speak. As long as Mr. Zhang's answer satisfies me, it doesn't matter if he is the second shareholder."

Liu Yonghao looked at Zhang Yida, and Zhang Yida nodded slightly, saying yes.

Looking at Cao Shiru, the other party asked: "Mr. Zhang, I actually don't particularly approve of Ruixiang becoming the second shareholder of Internet Bank.

But Mr. Liu recognizes you very much.So I also sold him a face.By attending this banquet today, I am asking you two questions.

If your answer satisfies me.I raise my hands and agree with you to become the second shareholder of the bank. "

"Okay, Mr. Cao, please ask me!" Zhang Yida slightly raised his hand, indicating that the other party could ask.

Cao Shiru said: "Ruixianglun's valuation is not as good as Dami Group's, and it has been established for less than two years and has not yet been listed.

May I ask Mr. Zhang, what does Ruixiang Group rely on to become the second shareholder?
The Internet industry is also changing with each passing day. Mr. Zhang, you have to prove to us your continuous operation strength.

It is also possible that the bank will increase its capital and share in the future. If Ruixiang becomes the second shareholder, it will definitely continue to increase its stake.

So, I have these two questions.As long as Mr. Zhang's answer satisfies me, Black Flag Chain is willing to make your company the second largest shareholder of the bank. "

Lei Jun didn't say anything, if he looked at Zhang Yida with interest, if Rui Xiang was not the second shareholder, then it would be our turn.

Cao Shiru speaks very directly, like many strong women.In the workplace, if you want to persuade men, you have to be ruthless.

An old lady, Zhang Yida didn't bother with her, and said:

"Mr. Cao, two questions, right! Why does Ruixiang take the second place? What was Ruixiang's ability to continue operating before?"

Speaking of this, Zhang Yida also put away his laughing expression, and said solemnly:
"First of all, Ruixiang has accumulated three rounds of financing from ABC, with a total financing of US$25.5 billion.

Compared with the amount of financing, Ruixiang is the number one financial technology company in the country.

In terms of financial technology strength, Ruixiang has deployed four cutting-edge technologies such as artificial intelligence, blockchain, cloud computing, and big data.

Today, hundreds of financial technology companies in China are using the financial technology products and services we provide.

These software strengths can be provided by Sharp to Internet banks in the future.

There are penguins behind Weizhong, and Ali behind online merchants.

Ruixiang believes that it is no worse than them. In the field of mobile payment, we will invest four to five billion this year to fight the subsidy war with the two giants.

For the second question, continuous operation, there is no problem for Ruixiang.

In 13, Ruixiang had a revenue of 2.56 million yuan and a net profit of 4100 million yuan.

In 14, Ruixiang had a revenue of 65.25 billion yuan and a net profit of 7.45 million yuan.

Our business growth rate is calculated in hundreds or even thousands of percent.

Mr. Cao, what do you think? "

"Damn it, you've made a profit in 14. I heard that you spent tens of billions on R&D investment and mobile payment subsidies!

The red envelopes of the Spring Festival Gala and Wufu red envelopes alone cost more than 8 million yuan. "

Lei Jun was also shocked, this is so freaking abnormal!Doing finance makes money so much?The profit margin of rice mobile phone can't keep up with the horse, can it?
"Yes, Mr. Lei, this is after deducting R&D expenses and mobile payment subsidies.

If they are not included, Ruixiang’s net profit in 14 was 46 billion to 47 billion. "

Zhang Yida revealed his family background. Ruixiang is not a listed company and does not publish financial reports. Except for the group's senior management and investors, most people don't know the specific financial situation.

Looking at the stunned Cao Shiru, Liu Yonghao was amused, and asked, "Sister Cao, how is it? Yida has always kept a low profile, but you must not underestimate him."

To be honest, even Liu Yonghao was a little shocked by this financial data, thinking: It is more money than selling feed.It seems that my Xinwang Finance should do a good job.

"If Sister Cao doesn't believe it, I can provide the audit report of the accounting firm, which is audited by PricewaterhouseCoopers, and the credibility is still good."

Zhang Yida made another cut.

"No need, brother Yida, big sister is outspoken, don't take offense!

I don't understand that internet either.With your strength, it is more than enough to be the second largest shareholder of the bank. "

Cao Shiru said awkwardly that she actually wanted to squeeze Ruixiang to the fourth largest shareholder, and Black Flag Chain can also rise one place to become the third largest shareholder.

But his strength is extraordinary!

The revenue of its own Black Flag chain in 14 was only 47 billion, and its net profit was even worse, a mere 1.7 million.

I calculated it in my mind, 65 billion in revenue, 46 billion in net profit, and a net profit margin of 70%!

Financial boss, so scary!
After the knot was untied, the Quartet happily chatted about other topics.

Zhang Yida didn't mind about Mrs. Cao either.

Just showing off your muscles in front of an old woman always feels weird, and there is no sense of accomplishment in pretending to be B.

　A 4100-word chapter here!
　　
　
(End of this chapter)