It is not new for college students' "fruit strips" photos to flow out of QQ groups involved in online lending.

But yesterday, someone packaged the photos and videos of 10 G's "fruit strips" and posted them on the Qiandu network disk, and the personal information, contact information of relatives and friends, and private photos of 167 female college students were leaked.

And in the indecent videos leaked out on the Internet this time, many folders are marked as "loan shells".

This time, Loan Bei learned the lesson of half a year ago, and in the early morning of the next day after the incident, he issued the "Announcement on the Leakage of Indecent Photos of Loan Bei on the Internet" through the "Loan Bei Official WeChat".

said that the loan shell does not provide the function of sending photos, and the photos that leaked out this time are the result of the "fruit strips" exposed in June being packaged.

Then this official Weibo was ridiculed by netizens.

"We don't produce water, we're just nature's porters!"

"The tool is not guilty, and the responsibility lies with the person. But the person who invented it also has an unshirkable responsibility!"

"貸し宝はnaked で20路っ照てください"

......

Hu Gang felt tired for a while, since he came out of this lending platform, there have been continuous incidents, and he has never been relieved.

first burned billions of yuan in vain, in exchange for hundreds of millions of zombie users;

then lost the bet, compensated the other party for 2 billion share capital, and also took 300 million interest;

Then there are the campus loan incidents and fruit strip incidents.

Negative news continued to break out in the loan, and the H&Q Group, as the parent company, also followed suit.

Partners, shareholders, creditors and customers have a lot of opinions on Han Group, or they have put forward their own opinions implicitly or directly and clearly.

Most of them told him to stop the loss and close or sell the lending platform.

If it is closed, Hu Gang is a little reluctant, this is a project that has smashed more than 300 million!

If you sell it, there is no suitable buyer for a while.

Earlier, he asked Zhang Yida and offered a cost price of 3.5 billion, but the other party was unwilling to take over.

As for others, there are those who want to take over the loan, but none of them exceed 10 billion.

If you want to take over an Internet financial company with hundreds of millions of users for less than 1000000000000000000000000000000000000000000000000000

Hu Gang decided not to sell, and slowly operated the loan shell by himself, with the continuous prosperity of the Internet financial industry, the loan shell will one day exude its own light.

"Brother, the people of Ruixiang Group are too special to see no one, who is the major shareholder?"

Hu Gang's younger brother Hu Qiang began to shout after entering the door.

"What's wrong?"

Hu Gang frowned, his younger brother's personality has always been a little reckless, and he is not mature at all at the age of thirty.

"It's not about underwriting last year, the CFO sent by Ruixiang said that our procedures were not compliant, and it was related party financing.

In addition, he said...... He also said that we were cutting leeks, which would damage the credibility of their Ruixiang Fund Supermarket. ”

""

Hu Gang scolded, "Isn't he a dog with a mouse and meddling in his affairs?"

"Who said it wasn't?" Hu Qiang said with a disdainful face, "Isn't it convenient for us to engage in capital operation when we get a public fund license?"

To paraphrase a sentence from Boss Jia, this is an ecological chemical reaction. ”

Hu Gang is much smarter than his younger brother, after all, he was the director of the Securities Regulatory Commission.

"It's not as simple as you see, he, a small CFO, dares to speak like this to the major shareholder of Han Group, and he must have something to rely on.

It should be Rui Xiang who is dissatisfied with the way our fund is running and is protesting. ”

"Wasn't it divided at the beginning? Ruixiang's people are responsible for managing money market funds and bond funds, and stock funds are under our management. They've crossed the line, right?"

Hu Gang closed his eyes, thought for a while, and then said slowly: "Don't worry about this matter for the time being! Without Ruixiang, Hantai Fund would not have developed so well."

In particular, the money market fund is really not good without the APP of hundreds of millions of users. ”

Hu Qiang looked unhappy, is it just that? He was kicked in the face by others, and he still had to pretend that it didn't happen?

As if he saw through what his younger brother was thinking, Hu Gang said: "Bear with me, Ruixiang is no longer what it used to be." They can ditch us and choose a new partner, but we can't. ”

Hu Qiang didn't dare to argue with his eldest brother, he knew that his eldest brother was a gentle person, but he didn't say anything. He nodded and stepped back.

......

A year ago, a private placement of 10 billion yuan was issued at a valuation of 100 billion yuan, and then the trading was suspended and the car door was welded. ”

Zhang Yida looked at Lin Zhenyang and said: "If you look at their third quarter report, the total assets are 81.567 billion yuan and the total liabilities are 57.227 billion yuan.

The net assets of 24.34 billion yuan correspond to the market value of 102.45 billion yuan before the suspension and a price-to-book ratio of 4.2 times.

With a total share capital of 15 billion, the net assets per share are only 1.62 yuan, while the stock price before the suspension was 6.83 yuan per share. ”

"Hiss~"

Lin Zhenyang gasped, "Damn, why is the stock price afraid that it will fall by 80% after the resumption of trading?"

Zhang Yida glanced at him, and said in his heart, you are really right, and the resumption of trading after three years has only fallen to more than 10 billion.

"Han Group has a number of financial licenses such as securities, insurance, private equity, public offering, futures, payment, insurance brokerage, etc., even if the license has a certain premium on intangible assets, this is somewhat of a bubble.

And the bubble is not small, at least half of the market value. ”

After sighing, Lin Zhenyang said: "The CFO stationed in the past reflects that Hantai Fund is very non-compliant, especially on the stock fund side. ”

Zhang Yida nodded, "Okay, I know." Last year, Hantai Fund issued three asset management plans, raising a total of 1.23 billion yuan to participate in the fixed increase of 10 billion yuan of Han Group last year.

Have you counted how much of the 1.23 billion funds are sold through Ruixiang Fund Supermarket?"

"It's counted, it's almost 400 million!"

Zhang Yida's face was not very good-looking, and he said: "The fund assets held by these investors are estimated to be cut to the ankles." When the time comes, these people will still sprinkle you on Rui Xiang's head. ”

"Wouldn't it?" Lin Zhenyang looked stunned, "We have marked the tips of high-risk products on the fund supermarket.

Fixed increase funds began to be popular last year, and they were rushing to buy them at that time. If you lose money, you can't blame us, a third-party agency!"

"Internet financial platforms have never lacked these tearing things!"

Zhang Yida thought for a while and ordered: "Remove all Hantai Fund's equity fund products from the shelves." Subsequently, except for the money market fund, the cooperation with Hantai Fund was all suspended. ”

Lin Zhenyang scratched his forehead, "If this is really the case, we are also shareholders of Hantai Fund, and if we do this, I am afraid that we will have to tear our faces with Han Group." ”

"Remove the equity fund first and try their reaction!"

......

"This is the financial statements of Yimin Loan for the first three quarters of 14, 15, and 16. ”

Chen Shaojie, CEO of Yimin Loan, asked the secretary to distribute a copy of the financial statements to the investors sitting in the conference room.

Wang Jingbo took the financial statements and read them carefully.

"The revenue in 14 years was 97 million yuan and the net profit was 22.5 million yuan, the revenue in 15 years was 2.553 billion yuan and the net profit was 383 million yuan, and the revenue in the first three quarters of 16 years was 3.706 billion yuan and the net profit was 482 million yuan. ”

Wang Jingbo secretly rejoiced, this is a high-quality company! It has been profitable for three consecutive years, and its revenue and profits are still growing at a high speed.

"Beautiful financial statements, but there seems to be a problem. ”

Wang Zheng, vice president of the Asia-Pacific investment banking department of Bank of America Merrill Lynch, raised his eyebrows and looked at Chen Shaojie.

"If there is any problem, Mr. Wang can point it out. ”

Chen Shaojie and Wang Zheng glanced at each other, raised their arms, and said with a smile.

"The financial report for the first three quarters of this year shows that revenue increased by 121% year-on-year, but net profit increased by only 72%.

In other words, the net profit margin has fallen. What is the reason for this?"

Chen Shaojie said unhurriedly: "This is because it received $300 million in Series B financing last year, and Yimin Loan started the pace of large-scale expansion.

The increase in personnel and the large-scale delivery of advertisements have caused a certain decline in net profit margin. ”

Wang Zheng shook his head and smiled: "The increase in personnel can be contrary to the concept of financial technology, which is claimed to be efficient and cost-saving. ”

"At present, the application of financial technology is more reflected in risk control review, loan speed, and post-loan collection.

As for front-end customer acquisition, although we are also using some technologies and online platforms to acquire customers.

What's more, what we do is scenario consumption installment, which is different from the general cash loan platform. ”

"OK," Robert of Goldman Sachs asked, "Mr. Chen, can you explain the difference between cash loans and consumer installment platforms in China?"

This is simple, scenario consumption installment refers to a loan with a specific purpose, such as education installment.

The borrower takes out a loan to pay for training, successfully learns a skill, finds a stable job, and takes a portion of his salary to repay the loan each month.

It's like a tuition loan for college students in the United States!

As for the cash loan platform, the quality of their customers is much worse.

Because there is no specific purpose, even the loan is issued directly to the borrower.

They take the money, splurge it, and then the source of repayment is not guaranteed.

Consumption installment is different, we pay the loan directly to the institution of the consumption scene, such as schools and plastic surgery hospitals. ”

Morgan Stanley's Evans asked, "I can understand that taking out a loan to learn a skill, to get a good job, and to have a secure source of repayment."

After plastic surgery, can the source of repayment be guaranteed?"

"Mr. Evans, you don't know the situation in China. As long as a girl is beautiful, this is a capital in itself.

They can be anchors and Internet celebrities, and get tens of thousands, or even hundreds of thousands, of income every month.

Or find a rich boyfriend who will help her pay off the loan.

You can also work in a bar, and the income is quite high. ”

Evans nodded, "I see, what a genius idea." I think your model can be replicated in other countries.

If you can't pay off the loan, you can go to the San Fernando Valley to make a movie. ”

Chen Shaojie laughed, this foreigner is really a bypass and draws inferences.

Wang Jingbo, the only woman present, took a sip, and she really couldn't spit out ivory.