He Shenghua saw a person at a gathering of the microfinance industry association at the time.

The age difference between that person and He Shenghua is similar, they are both about forty years old, and their names are Xu Zhiyun.

At the party, Xu Zhiyun was surrounded by a group of people like stars and moons, and his spirit was tight.

Why is he being scolded and flattered by so many loan bosses? Because Xu Zhiyun opened a P2P platform last year, and now the business is on the right track, and he can raise tens of millions of dollars every month.

In addition to Xu Zhiyun's own loan company, most of the rest of the funds were taken out to cooperate with external loan companies.

So as soon as Xu Zhiyun came to the party that day, he was surrounded by dozens of loan bosses, large and small, and everyone was flattering him and wanted to talk to him about cooperation.

He Shenghua watched coldly from the sidelines, and did not step forward to set it up.

Because he has a bad relationship with Xu Zhiyun, he can be said to be an old rival for more than ten or twenty years.

When they started working as loan clerks when they were younger, the two worked for the same company.

Although they are colleagues, the relationship between the two is not good. Competing for performance and grabbing each other's customers are commonplace.

Later, with the rise of the wave of small loans in China, He Shenghua left the original company to set up his own business.

Xu Zhiyun was also not to be outdone, and then came out to start a business and set up a loan company "Huaxin".

Huaxin Loan Company and Jingrui Loan Company are peers of each other, and they are both engaged in house second mortgage loans and bridge foreclosure business.

The lower-level salesmen of the two companies, like the boss, often compete and oppose each other. There have also been vicious incidents of fighting each other to grab customers!

Xu Zhiyun's ability is not weak, after more than ten years of hard work, the scale, income and profit of Huaxin Loan Company have always been not below Jingrui, and He Shenghua's industry status is also comparable.

But last year, He Shenghua heard that Huaxin had a large-scale bad debt, and he thought that this old friend and old rival would not survive.

He has never recognized Huaxin's style of play, and lowered the risk control standard and raised the interest rate in order to do more business. Take the model of high profits covering high bad debts.

If the profit can still cover the bad debt, of course, it is fine, but when the bad debt cannot be controlled and exploded, it will be unlucky.

Last year, he thought that Huaxin couldn't survive this hurdle. But now, it seems that you have successfully weathered the difficulties?

An old friend of He Shenghua, a middle-aged man in his fifties, walked over from Xu Zhiyun and greeted him with a smile: "Lao He, it's been good lately!"

He Shenghua shook hands with the middle-aged man and replied, "It's okay to be so-so, Brother Huang, are you murmuring?"

The middle-aged man surnamed Huang first shook his head and sighed: "Hey, no! In the past two years, the price of this house in the capital has risen too fast, and the funds are not enough to lend money, and if you can't make a few orders a month, you will have no funds." It's hard!"

Then the conversation changed and said with hope: "But I just talked about a new investor, and the pressure on funds can be eased." ”

He Shenghua was a little surprised and said, "Hey, there is a new capitalist, which one is it?"

The man surnamed Huang gestured to the side, and He Shenghua looked over, it was Xu Zhiyun who was talking to everyone.

He Shenghua was surprised: "Is it Xu Zhiyun? Where did he get the funds? Didn't he keep saying that Huaxin couldn't do it last year?"

The boss surnamed Huang waved his hand and said, "Lao He, you are all old Huang Li, and now Lao Xu has turned over."

Last year, he opened an Internet financial management platform called "Huaxin Investment", which has developed very well, and now I heard that hundreds of millions of funds are brought in every month.

There was so much money that I couldn't put it up, so I sprinkled water points for the old brothers of the association to take and put it.

If you want me to say, this Lao Xu did this time, I don't have to say it, just two words "open".

My old Huang remembers his love!"

He Shenghua finally figured out that Xu Zhiyun's old boy had opened an online financing platform.

Thinking of this, he probably understood how Huaxin's bad debt crisis last year was spent.

Misappropriation of user funds is certain, otherwise how would such a big bad debt hole be filled.

As for what's going on with the user's side now, it's probably because of the transfer of funds to make up for it!

He Shenghua thought secretly.

After Xu Zhiyun saw He Shenghua, he said hello to the people around him and said that he would leave for a while, and then walked over with a smile on his face.

Walking to He, Huang and the others followed him, first greeted Boss Huang, and then looked at He Shenghua with a smile, and said:

"Lao He is also here, how are you doing? I heard that Jingrui's loan funds are insufficient? Do you want me to support me here, not to mention too much, I can still get tens of millions of dollars a month." ”

He Shenghua glanced at Xu Zhiyun, the weasel has paid a greeting to the chicken, and you will be kind enough to provide me with funds.

Waving his hand, he said stiffly: "Thank you for your kindness, how much ability we Jingrui have to eat and eat what a big bowl of rice." ”

Xu Zhiyun smiled, Lao He is still the same Lao He, he speaks very hard!

Then he said: "How much does Jingrui lend a month now? Huaxin now has a monthly loan amount of 50 million." Don't let Huaxin wait too lonely in front. I hope to have the opportunity to work together with Jingrui to create a better tomorrow for the loan industry. ”

He Shenghua snorted coldly twice, and with some achievements, he raised his tail into the sky.

Xu Zhiyun then began to say: "Huaxin has decided to go out of the capital and lay out the national market, the three branches of Modu and Yangcheng and Pengcheng will open together next month, and they will come to participate in our opening celebration when they are free." ”

He Shenghua was secretly frightened, it has always been his dream to go out of the capital and lay out the national market. However, due to financial problems, it has not been able to take that step.

Now Xu Zhiyun has started to enter the other three first-tier cities before him, and has officially begun to conquer cities across the country.

I was a little unconvinced in my heart, how could he Xu Zhiyun be so virtuous, he actually grabbed ahead of him.

"No, I'm going to do this online financial platform too. suppressed him Xu Zhiyun for a lifetime, but he couldn't be turned over when he was old. He Shenghua began to calculate in his heart.

Lao Huang boasted on the side: "Brother Xu, your step is amazing! How many of our lenders can easily do what they dream of."

The next time I see you, shouldn't I call you Chairman Xu!"

Xu Zhiyun laughed and said, "Brother Huang! You have won the award! But we are already in the process of reorganizing the group company." Hehe! There is a lot of business, and it is easier to manage a group. Makes you laugh. ”

He Shenghua couldn't listen to it anymore, his heart was sour, so he found a reason to leave first.

In this way, due to being too stimulated by this old opponent, coupled with the fact that the following people once again suggested that the company open a P2P platform, He Shenghua agreed on the spot.

!

What he Xu Zhiyun did, can I He Shenghua be worse than him?

In this way, He Shenghua's P2P platform "Jingrui Wealth" was opened.

In addition, He Shenghua also took out all his belongings except for 6 properties, totaling 20 million, all of which were smashed into the company.

The company has also been upgraded to "Jingrui Group", under the jurisdiction of Jingrui Loan Company, Jingrui Fortune 2 subsidiaries.

Although the subsidiaries are a little small and look shabby, the momentum cannot be weak.

But when the platform was opened, He Shenghua knew that this matter was really not as simple as he imagined.

First of all, the platform website,He Shenghua invited more than a dozen college students to make it so-so.,Although it's stuck from time to time.,The UI interface is also very ugly.,But it's okay to use.。

But where are the investors, where are the funds?

Engaging in an online financial management platform is completely different from his previous offline lending model, He Shenghua is haggard every day, but he can't find any good promotion methods.

The group of college student programmers suggested that He Shenghua find an operations director and pull an elite operations team.

He Shenghua also did so, and hired a senior operation director who has been engaged in the Internet industry for more than ten years with an annual salary of 500,000 yuan, and other new media operations, user operations, product operations and other positions were also added one by one.

The company has recruited all the people, but no one has come to invest, He Shenghua is in his eyes and anxious.

gave a death order to the director of operations, telling him that he must make a turnover of 10 million yuan this month.

The director told He Shenghua that it was very simple to make a turnover of 10 million, and he could do it with 1 million promotion fees.

When He Shenghua heard this, he almost choked to death, and took 1 million yuan to promote it, in exchange for 10 million yuan to invest in it for a month, you can say it! What is the use of you as an operations director?

Seeing that He Shenghua was almost half angry, the director hurriedly explained.

Tell the boss that in order to make money in Internet finance, you must first spend money on promotion, and then introduce venture capital after making the scale and brand, and slowly reduce operating costs, capital costs, and then profits!

If you want an Internet project to be profitable, be prepared to lose money for three years! And as the scale grows, the loss may even expand.

The director told He Shenghua that this is a classic way of playing on the Internet, and the giants Ahri and Penguins have come all the way.

After He Shenghua heard these words, his heart was half cold, and he rushed into the industry as soon as his head was hot.

thought that Xu Zhiyun could do a good job, and he would definitely be able to do a good job.

But now the office rent, operation, and R&D investment have all been smashed into one or two million back and forth, and there has been no splash.

Quitting now, the first loss is a lot of money, and the second is afraid that Xu Zhiyun will laugh at him, and never want to raise his head in front of him.

He Shenghua was unwilling, he was reluctant to spend money on promotion, and he didn't want to quit just like that.

Because of this, I am sad to death these days, and my hair is a few gray.

He Shenghua returned home dejected, with a face full of sorrow and entanglement.

After seeing my daughter at home, I was a little surprised, and patted my head before I remembered that it was already Friday, and my daughter's school was also on holiday. During this time, people were so busy that they couldn't even remember the date.

immediately adjusted his expression, and said with an unnatural smile:

"Qing Xuan, are you on vacation?"