The second Wuzhen Internet Conference was held, and Zhang Yida was also invited to attend.

At the meeting, Zhang Yida delivered a keynote speech on "Internet Finance Compliance Development".

Looking at the black pressure of a large number of reporters and guests in the audience, Zhang Yida stood on the podium and began to speak:

"Internet finance, as one of the branches of Internet Plus, has achieved rapid development in recent years. But again, a lot of problems have been exposed.

For example: wild growth, illegal fundraising, bankruptcy and running away......"

The expression of the reporter in the audience was very exciting, thinking: It is worthy of a young man!

I like this kind of entrepreneur, which is full of topicality, and there is news that can be written in capital letters.

Similarly, some Internet finance entrepreneurs in the audience are not so happy.

They thought that Zhang Yida was calling for supervision like this, and he was afraid that he would cut off his own financial route!

Isn't it good for the industry to grow savagely? I have to find a guardian to take care of it.

Zhang Yida didn't care what others thought, and continued: "The state has always supported financial innovation. Internet financial entrepreneurs must be worthy of this support and the trust of users.

I call on regulators to take action and introduce a policy of "bank fund depository".

Both inflows and outflows from the P2P industry must go through bank depository accounts.

P2P companies insist on information matching and do not touch the user's funds ......"

A reporter asked: "Mr. Zhang, will the launch of bank depository accounts increase the operating costs of Internet financial enterprises?"

Zhang Yida nodded and said, "Increase a certain operating cost, that's for sure." However, Internet financial entrepreneurship is no different from others, and once there is a mistake, it will have a great impact on society.

For example, a user invests his entire net worth in a P2P platform. But the P2P business was not well managed and went out of business.

So what should this user do in the future if he loses all his savings? What should he do if he is unemployed, his family is sick, and he needs money urgently?

The introduction of bank fund depository is not only responsible for users, but also to improve the anti-risk ability of Internet financial enterprises. ”

"Can bank fund depository improve the anti-risk ability of Internet financial enterprises?"

The reporter was puzzled by this and asked again.

Zhang Yida didn't want to say it too thoroughly, but when he saw that the reporter was asking questions again, he continued:

"The so-called bank fund depository is to open a bank account for both lenders and borrowers of P2P enterprises.

The lender's funds are released directly to the borrower through the bank depository account without going through the P2P enterprise.

The borrower's repayment is also repaid to the corresponding bank depository account, which is allocated by the bank to the borrower.

P2P companies are only responsible for matching the information of lenders and borrowers, and do not touch anyone's funds.

There is no guarantee that every entrepreneur has a noble character, and in the face of huge funds, he will not move any greed and misappropriation.

With this kind of supervision, the risk can be isolated and the interests of users can be guaranteed. ”

Another reporter asked: "Mr. Zhang, where is the profit of the platform reflected in such an operation?"

"A certain percentage of the handling fee is charged to both the lender and the borrower for the daily operation of the platform. ”

The reporter also said: "This model has been verified by the clapping loan earlier!"

In the end, the clap loan was compromised. The handling fee model proves that it does not work in China.

Moreover, in this model, the lender bears its own risk and bears its own profits and losses.

Mr. Zhang, what do you think?"

Zhang Yida naturally knows that the originator of P2P in China has failed, but he does not think that there is a problem with the model, mainly because of the lack of China's credit system.

He went on to reply: "The reason for the failure. The domestic credit system is still not perfect, and there is too little borrower data for borrowers to refer to at the beginning.

In my opinion, the platform should take a certain responsibility and use the risk control system to filter out some customers with poor qualifications.

Then push the customer through the risk control system to the borrower.

In addition, after the borrower defaults. The platform should also help lenders with collections. ”

Most of the Internet financial entrepreneurs in the audience are very disdainful of Zhang Yida's speech, and the information matching model is a dead end, who dares to try?

In their minds, you Zhang Yida said that it is not the "credit matching" model that Yimin Netfinance also adopts.

It may have misappropriated user funds to advertise in the early days, otherwise how to explain: in just two years, the NASDAQ was listed?

You, Zhang Yida, are now ashore, washed the filth off your body, and turned around and laughed at us.

Internet financial entrepreneurship, with a huge amount of funds in hand, does not know how to use it, it is simply a tyrannical thing.

Now is the world of great competition, everyone is competing for users, desperately advertising, subsidies, and increasing the scale.

In this case, whoever is one step behind is a dead end.

It's not a big deal to embezzle user funds to invest in advertising, and wouldn't it be good to fill in the pit when you get the funds?

What am I compared to those Ponzi schemes?

Zhang Yida's words, to them, sounded like a fart.

Zhang Yida himself also knows that many peers have listened to his words, which not only does not play a positive role, but may also have a negative effect.

Wealth is moving!

This is an industry that is too close to money! Taking money tests a person's moral character.

……

At night.

Jinyi Inn.

Zhang Yida was invited by Bonima to attend a dinner party of a group of Internet tycoons.

There are many guests, such as Qiandu Robin Lee, Penguin Bonima, Sohu Charles Zhang, Pig Factory Ding Sanshi, Sina Cao Guowei, Lenovo Yang Yuanqing, Ctrip Liang Jianzhang......

Counting Zhang Yida, there are a total of twelve people.

"Come, Yida, sit here. ”

As soon as Zhang Yida entered the door, he saw Bonima waving to him.

Zhang Yida greeted the big guy one by one, and then sat down next to Boniema.

"Yida, today you said that you fired at the conference?"

Charles Zhang, who spoke, also has a P2P company under Sohu, called Soyi Loan, and Zhang Yida is a peer.

"Let's give everyone a heads-up! The good days are coming to an end. No more than two years at most, there will be a strong regulatory storm. ”

Zhang Yida poured a full cup of liquor, touched a glass with Charles Zhang, and said.

"Holy. Is it so terrifying? Our pig factory is ready to enter this industry, so we will come here. ”

Ding Sanshi glanced at Zhang Yida in surprise, his eyes full of suspicion.

Zhang Yida chuckled lightly and thought, this is the end of the story, believe it or not, you can go.

Especially the pig factory, which is full of bags in Internet finance, is not as good as Sohu.

"Come on, come on, eat some of our own Weiyang pigs, the meat is fresh and tender, and it is definitely the best quality. ”

Ding Sanshi was the one who invited guests, and hurriedly beckoned the guests to eat.

Zhang Yida sandwiched a pair of chopsticks, and it felt very ordinary! It was not much different from ordinary pork.

"This pork is good! When I turned around and left, I packed two catties. ”

Charles Zhang complimented.

"Haven't you been on your health lately?

Zhang Sanshi of Gaoling Capital asked Charles Zhang with a smile.

"Health is health, pork still has to be eaten. If you don't eat enough, how can you have the strength to maintain your health?

Let me tell you, I recently met another wellness guru......"

As soon as Charles Zhang heard about health, he instantly became energetic and began to preach continuously.

"Let me tell you, at our age, we can really start to maintain health. ”

Zhang Yida looked at Charles Zhang with a confused expression, and the latter scratched his hair and said, "You are exceptional." You're still young, envious, and you're still in style. ”

Ponima poured Zhang Yida full of wine and said, "Come, drink." It's the first time I've been drinking with you, and I'm going to be happy today.

This is the Shaoxing rice wine specially prepared by Lao Ding for everyone, and he can't live up to his good intentions, so he has to drink it dry. ”

Zhang Yida has long heard of Bonima's first-class drinking and persuasion, and it seems that the rumors are true!

"Yida. I heard that you recently started a family office?"

Robin Lee asked.

"Yes, it's a business attempt!

Senior brother, you can also participate in one!"

Although Robin Lee is Zhang Yida's senior brother, Zhang Yida and him don't have much intersection.

Earlier, when Huayi Capital raised funds, it invested $2 million from the other party. I haven't dealt with much since then.

Zhang Yida is actually quite grateful to the other party, but he really has no business intersection, so he doesn't have much contact.

"Okay, I'm going to get involved in one, too. ”

Robin Lee said with a smile that he had really looked away at Zhang Yida earlier.

First of all, when Huayi Capital raised funds, it only invested $2 million, which was less.

Huayi Capital's hit headlines, Didi, magnesium group, Huimin Travel and other projects have already made a name for themselves in the venture capital circle.

In addition, Zhang Yida's one-vote Internet company, there are several unicorns, and his relationship with Zhang Yida should be closer to him, but he didn't vote for a single project.

Robin Lee now regrets missing out on a lot of investment opportunities.

So he is ready to participate in Zhang Yida's multi-family office to get some closer.

"Okay, that's okay!"

Since Robin Lee wants to join the joint family office, Zhang Yida naturally has no reason to push it out, more people are stronger!

"Yida, are you still involved in the family office? It's amazing, so many industries, all of them have been played by you. ”

Cao Guowei and Zhang Yida are not particularly familiar with each other, they have met several forums, and after hearing the dialogue between Robin Li and Zhang Yida, he couldn't help but sigh.

"Yes, you see, Internet finance, bicycle sharing, pet e-commerce, social e-commerce, wealth management...... That's a lot of crossovers!"

Yang Yuanqing began to take stock of the industry for Zhang Yida.

"But in fact, it can be summed up in two big industries, the Internet and finance, but there are a lot of upstream and downstream layouts. ”

Liang Jianzhang quickly made a definition, he and Shen Beipeng started a business together, and often heard the latter mention Zhang Yida, so he still knew a little about Zhang Yida.

"Young! Toss when you need toss! Come, Yida, have a drink, I wish you a bright future. ”

Shen Beipeng raised his glass and congratulated.

As soon as Shen Beipeng spoke, Zhang Sanshi also made a heavy bet on Zhang Yida, and also raised his glass to congratulate:

"Come on, Yida, I wish you another brilliant chapter. ”

Several other bigwigs also congratulated them separately, and Zhang Yida and their competition is not very large, so the more you look at Zhang Yida, the more pleasing it is.

Zhang Yida took one cup after another, and was dizzy and distended by several bigwigs, and his face was flushed.

"Come on, let's take a picture together!"

Yang Yuanqing took out his Lenovo mobile phone and took a photo with everyone.

We chatted over a drink and discussed some interesting facts about the Internet and what opportunities we had missed in the past.

After being full of wine and food, Lei Jun was late.

The crowd talked together for a long time, and then they left.