"Loan shell"!

Sure enough, it's this product. Hey, the industry is unlucky!

What fruit loans and meat compensation are all promoted by this product, and it also gives wings to offline loan sharks to empower the Internet.

The emergence of Loanshell provides an online platform for offline loan shark players, and it is easy to obtain customers, and Loanshell also outputs a risk control system to provide collection outsourcing business.

In the past, those offline turtles did not have the opportunity to meddle in Internet finance, and it was the opportunity to lend money.

Hu Gang's original intention may be good, but he took it for granted, and as a result, he opened Pandora's box.

LendingBei is equivalent to just a technical platform, which does not touch the funds of both parties, and is only responsible for matching transactions between the two parties, and then extracts a certain amount of fees from the transaction amount.

The interest rate and repayment time are determined by the parties to the transaction, and the user bears his own risk, and the platform and related parties help to collect, but does not provide any commitment and guarantee for the recovery of principal and interest by creditors.

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

Just like Kuaibo, technology is not guilty, users have to fool around, what is the method.

"Brother Gang, I can remind you! Your model is not easy to land in China.

Pure P2P has no soil for survival in China's credit environment.

Look at the clap loan of Modu, I used to shout that I wanted to do pure P2P, only do information matchmaking, and not make a bottom line.

Now you see, you have been educated by society!

Now they have re-targeted, and a part of the operating profit is dedicated to risk protection.

The name is good, but in fact, it is to cover the bad debts that cannot be recovered. ”

Zhang Yida doesn't want to care if Hu Gang lives or dies, it's better to die and accept the financial license inheritance as soon as possible.

But being able to persuade the other party to quit and don't let him borrow money can be regarded as contributing to society.

"There are still some differences with them, we are all acquaintances.

Users sign up for our loan shell APP,You can read their address book。

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

You know what I mean?

That is, the lender will lend 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 risk control.

And every loan will be registered in our system, and if there is more data, you can do a credit assessment.

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

Again, our lenders are anonymous. The lender can see the borrower's name and other information, and the borrower can't see the lender's information, only know that it is an acquaintance, but can't guess who it is?

In this case, unless someone who is willing to do anything, everyone else will be in awe because of this unknown, and honestly fulfill the contract and repay the money.

After all, most people will have one or two people who they care about or are afraid of.

If someone he cares about or is afraid of lends him money, because he is not sure, and the borrower does not know if it is or not, there is a deterrent effect in it.

Also, this borrowed money has interest, and the interest is constant on both sides.

Lenders can also earn money through this software. If you want to collect, we will help him collect.

In real life, many people just want to be in debt and can't save face.

Loan Bay also successfully solves this pain point.

Our hope 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 felt that his "loan shell" was simply a genius idea, the Internet financial version of "Penguin" and "Ahri".

Every time he thinks that in the future, there may be hundreds of millions of users across the country who are lending and borrowing money on Loanbei, tens of millions or even hundreds of millions of transactions every day, the smile on Hu Gang's face can't be stopped.

Secretly said: It is also very promising to become a giant with a valuation of hundreds of billions of dollars in the future! Qiandu is not working now, and will there be a chance for the future loan to become the "third pole" of the Internet?

Hu Gang crackled and said a lot to Zhang Yida, and the whole words revealed a strong sense of confidence.

Zhang Yida felt that he understood the other party a little, this is to think of lending shellfish as a big business, the purpose is to make a national application, and he has high expectations for the market.

Thinking about this knot, it is not difficult to understand that the other party wants to invest 5 billion yuan in this project.

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

Users who register a real-name card will receive 20 yuan, and the inviter will send another 20 yuan, and the cost of a user is 40 yuan.

Maybe it's not all, in the previous life, it was said that some agents invited one for 30 yuan or even higher.

Invest in the loan shell, and you will only go when your brain is convulsive.

"Brother Gang, Ruixiang is fighting a mobile payment subsidy war during this time, and the funds are also very tight.

After the loan was launched, I let Ruixiang, Huimin Bicycle, Yimin Netfinance, and Yimin Holdings...... All my Internet companies help you promote. ”

Zhang Yida also took up Hu Gang's idea and prepared to pick up the biggest wool in 2015.

"Hey...... If you could help us spread the word, it would be great. ”

Hu Gang doesn't seem to mind at all, and there is a bit of a sense of "business is not benevolent".

After hanging up the phone, Hu Gangyan glanced at Wang Xiaojie, who was standing not far from him with an expectant face, shook his head and said, "It's no fun, I refused." I also advise us not to rush into the mutual finance industry. ”

"I guess I'm afraid that we'll rob him of the market! The mutual finance industry is so big, how much can his family eat?"

Wang Xiaojie was very indignant, thinking that this Zhang Yida was too ignorant of lifting. Thinking that you are a fellow countryman and taking you to make a fortune together, not only did I not appreciate it, but also gave us some eye medicine.

"Hey, forget it. Each man swept the snow in front of his own door. If he doesn't want to join the shares, why should we force them?"

Hu Gang absolutely didn't believe that Zhang Yida had no money, Ruixiang had financed billions of dollars, and even the smaller Huimin Bicycle and Yimin Netgold had financed hundreds of millions of dollars.

said that he had no money, either he was not optimistic about the loan, or he was afraid that the loan would rob him of the market.

No matter which one it is, Hu Gang feels that he wants to get the loan shell up and slap the other party in the face once.

"By the way, how is the discussion over there by the Mao Quan brothers? ”

Hu Gang asked Wang Xiaojie.

"Tens of millions, can you not agree?" Wang Xiaojie said, and sighed with emotion: "It's better to be a star and make money quickly!"

"Let you be a star, and change the other party to be a capital tycoon. Would you like to?"

Hu Gang quipped.

"Forget it, I'm still honest as a craftsman and cut some leeks!"

Wang Xiaojie smiled and said in his heart: This is a joke, thinking that when that stupid woman said "I am a wealthy family", all celebrities are really wealthy families.

......

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

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

"Mr. Zhang, hello!"

"Mr. Zhang, you are young and promising!"

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

After several people sat down separately, Liu Yonghao took the lead in speaking:

"Today, I invited a few people to come over, mainly to talk to you about the establishment of Internet banking.

It is rare for the state to liberalize the application of private banks, which is a once-in-a-lifetime opportunity.

Chinese banks have rarely heard of those who lose money and go bankrupt.

A bank is an excellent asset that preserves and appreciates its value.

Without further ado, today I will tell you 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 don't have an opinion, you can arrange it. ”

Lei Jun smiled, a good old man, and was the first to come out and say.

"Well, I don't have an opinion, Ruixiang must do its due responsibility and business. ”

Zhang Yida nodded, Ruixiang is in great need of funds now, and with a bank in which he has a stake, things will be much easier.

"I have a little question here. I need to ask Mr. Zhang. ”

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

Zhang Yida looked at Cao Shiru with interest, is this going to challenge himself?

The Black Flag chain was founded by Cao Shiru from the old state-owned enterprise "Black Flag Shopping Mall", and it is said that it was restructured with a debt of more than 10 million yuan.

It's not easy for a woman to have this courage.

Of the more than 13,000 employees at the Black Flag chain, 80 percent are women, many of whom are laid-off women and migrant workers.

Cao Shiru led this group of women to open 1,300 convenience chain stores in the central and western regions, and listed on the Shenzhen Stock Exchange in 2012.

She herself has also been promoted to become one of the top ten richest people in Sichuan and Shu.

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

But admiration is admiration, if you block yourself from taking a stake in an Internet bank, you will not give in.

Liu Yonghao glanced at Cao Shiru unhappily, and said in his heart, what is this woman crazy about? Didn't you say yes before? Don't make Zhang Yida unable to get off the stage.

Liu Yonghao was just about to speak out to stop it, but Cao Shiru took the lead, she said: "Mr. Liu, you let me say." As long as Mr. Zhang's answer satisfies me, it doesn't hurt for this second shareholder to be him. ”

Liu Yonghao looked at Zhang Yida, Zhang Yida bowed slightly, indicating that he could.

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

But Mr. Liu recognizes you very much. So I also sold him a face. Attending this banquet today is to ask you two questions.

If your answer satisfies me. I raise my hands and agree that you will become the second shareholder of the bank. ”

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

Cao Shiru said: "The valuation of Ruixiangtheory is not as good as that of Rice Group, and it has been established for less than two years and has not yet been listed.

May I ask Mr. Zhang, what did Ruixiang Group rely on to become this second shareholder?

The Internet industry is also changing with each passing day, Mr. Zhang, you have to prove to us your strength in sustainable operation.

It is also possible for the bank to increase capital and expand shares in the future, and if Ruixiang becomes the second shareholder, it will definitely continue to increase.

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 speak, if he was interested in looking at Zhang Yida, if Rui Xiang was not the second shareholder, it would be our turn to rice.

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

An old lady, Zhang Yida didn't care about her, and said:

"Mr. Cao, two questions are: What does Ruixiang rely on to sit in the second place?

Speaking of this, Zhang Yida also put away his giggling expression, and said seriously:

First of all, Ruixiang has received three rounds of financing from ABC, with a total financing of up to $2.55 billion.

In terms of financing amount, Ruixiang is the first financial technology company in the country.

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

Today, there are hundreds of fintech companies in China using our fintech products and services.

The strength of these software can be provided by Ruixiang to Internet banks in the future.

There are penguins behind the micro-public, and Ahri behind the online merchants.

Ruixiang thinks that it is not worse than them, and in the field of mobile payment, we will invest four or five billion yuan this year to fight a subsidy war with the two giants.

The second problem, continuous operation, is no problem for Ruixiang.

In 13 years, Ruixiang has a revenue of 256 million and a net profit of 41 million.

In 14 years, Ruixiang had a revenue of 6.525 billion yuan and a net profit of 745 million yuan.

Our business growth rate is measured in hundreds or even thousands.

Mr. Cao, what do you think?"

", you've been profitable for 14 years, and I heard that you've burned billions of dollars in R&D investment and mobile payment subsidies!

The red envelopes of the Spring Festival Gala and the red envelopes of Wufu alone smashed more than 800 million. ”

Lei Jun was also shocked, this is too perverted, isn't it! Doing finance is so profitable? The profit margin of rice mobile phones can't catch up?

"Yes, Mr. Lei, this is obtained after deducting R&D expenses and mobile payment subsidies.

If you don't include them, Ruixiang's net profit in 14 years is 4.6 billion ~ 4.7 billion. ”

Zhang Yida has brightened his family background, Ruixiang is not a listed company, nor does it publish financial reports, except for the group's senior management and investors, ordinary people do not know the specific financial situation.

Looking at the stunned Cao Shiru, Liu Yonghao was a little amused and asked, "Sister Cao, how is it?" Yida has always been relatively low-key, but you must not underestimate him. ”

To be honest, even Liu Yonghao was a little shocked by this financial data, and said in his heart: It is more money than selling feed. It seems that his Xinwang Finance has to 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 up for it again.

"No need, Brother Yida, the eldest sister is straightforward, don't be surprised!

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

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

But people's strength is not ordinary!

The 14-year revenue of its own Black Flag chain is only 4.7 billion, and the net profit is far worse, only 170 million.

I calculated in my heart, 6.5 billion revenue, 4.6 billion net profit, and the net profit margin is as high as 70%!

Financial tycoons, terrifying!

After untying the knot, the four parties happily chatted about other topics.

Zhang Yida didn't mind Mrs. Cao's business.

It's just to show off your muscles in front of an old woman, and it always feels weird, and there is no sense of accomplishment in pretending to be B.