"Mr. Zhang, do you really want to make this announcement?"

Although he has long accepted the fact that P2P is ebbing, when it is time to sentence him to death, Fan Hongyang is a little reluctant.

He can be said to be a witness to this period of financial history, from the embryonic stage, to the outbreak, to the thunderstorm

In the past, more than half of the peers who participated in various financial forums have entered.

If it weren't for Zhang Yida, the God of Wealth, maybe even he would have gone in.

"Only by cutting off the past can we welcome a new beginning. ”

Fang Yuhan is much more decisive, the focus of their Ruixin Group's development is no longer P2P and loans, and a blue ocean of corporate credit is waiting for them to conquer.

Moreover, after engaging in P2P for so many years, no benefits have been left behind, and several companies have been transfused with Huimin Travel, Yimin Internet Finance, and Yimin Loan.

"How to arrange employees"

Ding Siyao is more concerned about this, and a large part of the employees of Yimin Netfinance and Ruixin Group are responsible for P2P and capital business.

Now that the business has stopped, the disposal of such thousands of employees is a problem.

"Transfer"

Zhang Yida said lightly, "The HR of Ruixiang and Pate Holdings will come to pick people, and in addition, doesn't Yimin Netfinance also have a loan assistance business, and the department will be transferred to the asset side." ”

"It's all on the capital side, can you adapt to the asset side?"

Fan Hongyang frowned, "And our loan business has enough staff, and we can't solve many positions." ”

"Then go to Ruixiang, there are many vacancies in Ruixiang. ”

Zhang Yida feels that he has done his best enough, and the decline of the industry is the trend of the times.

Not only their employees, but also their own boss.

There is no way to choose a new industry and start all over again.

Society is like this, if they can't adapt to this, then the gods can't save them.

After talking about the arrangement of the employees in a few words, Zhang Yida talked about the buyout of the creditor's rights.

"Yimin Wealth Management under Yimin Net Finance and Ruimin Wealth Management under Ruixin Group, the two P2P companies have a total of 85 billion yuan to be collected.

Funded by Yanhuang Investment, the Department of Credit Assets bought these at one time.

Before July 30, the principal and interest of the department will be paid to each investor in a lump sum.

We completely withdrew from the P2P business"

Zhang Yida's words are sonorous and powerful, and his confidence comes from the shares he holds in Ruixiang.

In China, there is no P2P boss who is richer than him.

Although the P2P industry is messed up by a bunch of garbage and completely stigmatized.

But he can straighten his waist and say: what he does is a regular P2P, and no investor has been harmed by his interests.

"Mr. Zhang, if you personally buy out these creditor's rights, I'm worried that some borrowers will know about it and deliberately not repay it."

Fan Hongyang contacted the recent large-scale debt evasion and said worriedly.

"That's right, they think that Mr. Zhang, you are so rich, you will directly treat it as a local tyrant and divide the land. ”

Fang Yuhan felt that what Fan Hongyang said was very reasonable, never overestimate the lower limit of a person's morality.

"Although I have collected the creditor's rights, the branches of Yimin Netfinance in various cities still have to continue to be responsible for collecting overdue and bad debts.

Yanhuang Investment can take out a part of the funds as a remuneration for employees. ”

Fan Hongyang shook his head, "This matter is not so easy to do, I just told you before, and now these borrowers are grouped, and some of them are deliberately dragging their feet and not repaying the money."

In the process of recovery, let alone the use of violence, even if you scold twice, you will be complained.

Regulators are overkill. ”

Zhang Yida nodded, "You don't have to worry about this, Doushi and Kuaishou have already restricted the flow of these accounts that engage in the gray industry chain."

They've got it on me, so naturally I'm going to give them a little bit of color. ”

Regarding the anti-recovery account that several of them said before, Zhang Yida specially asked the staff of Doushi and Kuaishou to pay attention.

It was found that there was really such an undesirable phenomenon

The plot is not so bad, just talking about credit card trivia, and only the account is restricted.

If there is a diversion to WeChat for profit, the account will be directly banned.

"I have an idea. Ding Siyao said suddenly.

"What do you think?" asked Zhang Yida.

"You see, our loans are long and short, the long ones are three years, and the short ones are three months or six months.

Although the interest rate is still within the red line, it is not low.

I don't think it's as good as this, for early repayment, we will reduce the interest to a certain extent, or even erase the interest.

In this way, a large amount of borrowed principal can be repatriated.

Yanhuang Investment uses these funds to invest in some other projects, and the returns may be even higher.

In addition, the consumer finance market is hot now, and there are too many people in debt.

The sooner we get our money back, we can also minimize risks and losses. ”

Fan Hongyang asked, "These loans are all released through Yimin Netfinance, if we only exempt the interest of P2P fund borrowers, what will customers who borrow through banks and trust funds think now?"

Will we also ask our platform to reduce the interest?

They don't know the relationship between P2P, Yanhuang Investment, and Yimin Net Finance.

It will definitely put the account on our head and affect the new loans that are currently issued on our platform. ”

Zhang Yida nodded, there is indeed this possibility.

Some people are just messing around, you give the previous borrower an interest reduction, why don't you give us a reduction

If it is not reduced, then I will not pay it back.

"Now Yimin Internet Finance is connected to institutional funds, and it is necessary to go to the central bank for credit

If they don't pay back, they are not afraid that their children will not even be able to read books in the future."

Ding Siyao said with a smile, "I think you are too worried, these people are in the market, and they know how to pursue advantages and avoid disadvantages." ”

Zhang Yida lowered his head and thought about it, he took out 850 billion, and he didn't really use it for charity.

Interest can not be earned, but the principal must be recovered, which is the minimum requirement.

The ideal thing is to make a sum of money, at least fill in the 85000000000000000 interest.

Among them, 700 billion yuan was pledged to Ruixiang equity and borrowed from the four major banks.

Another 15 billion, 5 billion is its own funds, and 10 billion is transferred from Yanhuang Investment Hong Kong Company to China, and these funds are also loans.

The equivalent of 100 million yuan of borrowing, the annual interest is 3.2 billion yuan.

"The first announcement was made to announce the complete withdrawal from P2P. ”

Zhang Yida quickly made a decision, and said: "Don't worry about the matter of interest reduction, let's see the further situation first."

There is also the problem of cracking down on debt evasion, which is not only a problem for us, but also for all financial institutions, including banks.

We have reached cooperation with a number of new financial institutions, including Leech Financial Services, Goudong Digital Technology, etc., as well as some commercial banks, credit card departments, and the police.

Malicious evasion of debts has seriously disrupted the social and financial order.

According to the relevant laws of China, the borrower who fails to repay the loan on time will not only face civil legal liability, but will also be investigated for criminal liability if the circumstances are serious.

The maximum sentence is imprisonment of not less than three years but not more than seven years and a fine.

In the near future, a joint special operation will be launched to crack down on the arrogance of these old scoundrels. ”

"Is this true?"

Fan Hongyang said happily, "Great, it's long overdue." Otherwise, we won't be able to get along. ”

Zhang Yida rubbed his eyebrows, there are too many reasons for this.

The most important thing, as far as he knows, is that the credit cards of major banks have relaxed their risk control in recent years, frantically issued cards, raised amounts, and then the bad debt rate soared.

This time, it was the old men who moved the soil on Tai Sui's head, and naturally they were going to usher in a thunderous blow.

These new financial platforms are also touching the light along the way.