Yu Moutao, the newly appointed director of operations of Jingrui Wealth, looked at the withdrawal request of Bai Huahua in the background, and his hands and feet were cold.

At the beginning of the month, users began to withdraw money one after another, and he thought it was a normal phenomenon at that time.

However, in the middle of the month, there were more and more withdrawal requests, and almost as soon as the investment expired, it was withdrawn and left.

This is not normal!

Yu Moutao didn't dare to delay, and immediately reported the situation to He Shenghua.

"You say, users in March and May started to withdraw on a large scale?"

He Shenghua was a little anxious, all the money was lent out by him, all of which were long-term loans for one year and two years, and he couldn't withdraw the funds at all for a while.

"Yes, at present, a total of 360 million users on our platform are investing, and there are 110 million that will expire in June, 220 million in July, and 30 million in August.

So far this month, more than 110 million have been withdrawn.

The risk reserve is less than 10 million, and if users continue to withdraw on a large scale, we will face the most terrible run tide. The consequences are unimaginable!"

Yu Moutao didn't dare to hide it and reported truthfully.

"How much money has flowed in this month?" He Shenghua hurriedly asked.

"So far, 120 million yuan has flowed in this month, 50 million yuan has been loaned out for long-term mortgages, 50 million yuan has been loaned for short-term targets across the bridge, and 20 million yuan has been added to the risk reserve. ”

Yu Moutao handed over a fund operation report to He Shenghua.

He Shenghua hurriedly took the report and looked at it:

At the beginning of the month, Jingrui Fortune had a loan balance of 350 million, a long-term mortgage of 150 million, a bridge short-term bid of 150 million, and 50 million as a risk reserve.

In the middle of the month, Jingrui Fortune had a loan balance of 360 million, a long-term mortgage of 200 million, a bridge short-term bid of 150 million, and a risk reserve of 10 million.

Housing loan lending expanded by 50 million, and the total balance in the treasury increased to 200 million.

The bridge loan was released 50 million and 50 million was recovered, and the total balance in the library was 150 million without increasing or decreasing, and the 50 million recovered was used to pay users for withdrawal.

The risk reserve was replenished from 50 million to 70 million, and it was reduced to 10 million due to large-scale withdrawals by users.

The 110 million withdrawn by users this month is supported by the recovery of 50 million bridge funds and 60 million risk reserves.

From June 16th to July 31st, the funds that will expire one after another will be as high as 330 million.

The only funds that Jingrui Wealth Platform can recover during this period are 150 million short-term bridge loans and 10 million risk reserves.

The funding gap is as high as 170 million!

Of course, as long as 170 million funds can be raised in the month and a half from June 16th to July 31st, this capital game can continue to be played.

However, the situation is not optimistic, with an inflow of 120 million in June, an outflow of 110 million, and a net inflow of only 10 million.

When the net inflow is negative, it is a disaster.

In fact, as long as He Shenghua only puts a short-term loan of 1-3 months, there is no big problem with capital turnover.

Each lender's investment is matched with each borrower's creditor's rights one by one, and there is no problem of maturity mismatch, and there will be no run due to insufficient capital inflow.

But this is also something that can't be helped, He Shenghua's main business is housing loans, which are long-term loans for one or two years.

At this stage, investors like to invest in 1-3 months short bids, and one or two years is too long for them to invest at all.

Therefore, He Shenghua can only split the loan claims into sections and rely on investors to undertake them in turn, until the loans are all due after one or two years, and then they can be regarded as safe to get off.

However, He Shenghua found a key point and asked Yu Moutao:

"Mou Tao, how come the 120 million inflow this month is a monthly standard?"

"Yes, Mr. He, I also think this data is a bit weird. The withdrawal data is also very weird, the users who invested in April and May basically did not reinvest when they expired, and all the withdrawals left. ”

Yu Moutao said with a solemn face, it is very dangerous for Jingrui Fortune to be in this situation now, and if you don't pay attention to it, you will have to collapse.

"Why don't they reinvest? This is an investment user that I have to spend 30 or 40 million dollars on advertising!"

He Shenghua doesn't understand the Internet, but he knows how much money he spent to get such a group of users.

"The specific reason is still being investigated, after all, I have only been in the company for a month, and it is estimated that Wang Qihang is the clearest about this situation. ”

Yu Moutao is also witty to shake the pot, after all, this matter really has nothing to do with him, he doesn't want to be a backbiter.

"Haha, I know about this, I don't blame you! Wang Qihang's side, I'll look for him in person later.

You give me an analysis, what is the biggest reason for the above problems?

Speak your mind freely and don't scruple about anything!"

Even if He Shenghua no longer understands the Internet, he has been in business for many years, and he knows that this matter may not be simple.

Yu Moutao thought about it, put on a straight face, and said solemnly:

"Mr. He, although we have only been working together for a month, I am deeply grateful for your promotion!

So, I'll be honest with you!

Based on my past operational experience, we have a big problem with customer acquisition channels!"

"You mean the advertising channel is ghosted?" He Shenghua's face turned pale, and he began to recall the past contact with Liang Weimin.

From the introduction of her daughter He Qingxuan, to the fact that she was confused by the other party's family background, to the allocation of tens of millions of advertising expenses.

He Shenghua finally realized something, as if an invisible net was cast on him.

"Yes, there is a big problem with the advertising channels. We've been running ads for 3 months, and we don't have a decent user reinvestment rate at all, which is too poor.

I estimate that as soon as the advertising is stopped, there will be no new users and no new inflows. Old users want to withdraw and run away.

The harvest will soon be lowered, not to mention being bigger, and it's good not to be dragged to death. ”

Yu Moutao sighed and said his guess.

Seeing He Shenghua's pale face, he comforted him again:

"But all this is my speculation, Mr. He still don't take it too seriously. ”

He Shenghua waved his hand to say that it was okay, and he retained a trace of luck in his heart: Could it be that all this is speculation? Maybe the reinvestment rate and net inflow of funds will come up next month.

Yu Moutao finally suggested:

"Mr. Zhang, the top priority is to find Wang Qihang and understand the past operation of the platform clearly.

Also, Wastron's side needs to find out if they have any ghosts?"

Yu Moutao withdrew from He Shenghua's office and began to urge the operation and customer service departments to conduct telephone return visits to all customers to conduct customer portraits and investment behavior analysis.

He Shenghua first made a call to Wang Qihang, but found that he couldn't get through, and the prompt number was empty.

Bad thing!

He Shenghua's face is not very good-looking, he is not a conspiracy theorist, but he has to think about the worst at this time.

Then He Shenghua called Liang Weimin again, and he was connected, He Shenghua tried his best to calm down, and said:

"Xiao Liang, it's me, Uncle He!"

"Uncle He, what's the matter?" Liang Weimin smiled heartily on the other side of the phone.

"Yes, Jingrui Wealth's recent investment maturity customers are withdrawing on a large scale. Xiao Liang, I want to ask you, what's going on?"

He Shenghua's eyes were slightly cold, and he questioned on the phone, although his tone was quite calm, he could still hear a trace of anger if he listened carefully.

"Ah, and this, Uncle He, I have to give you advice and advice.

The follow-up conversion rate of users cannot keep up, and the main reason for this is operation.

If you don't have a good hand with the operations director now, I can introduce a few operation masters to Uncle He. ”

Liang Weimin said with a smile on the phone.

"That's not necessary, you can solve the problem of user conversion rate for me first! I spent 30 million or 40 million on your advertising, and now the effect of this advertisement is a bit unreasonable!"

He Shenghua's face became more and more ugly, and his tone of voice became more and more impulsive.

"Uncle He, I don't know what you mean when you say this! Your more than 30 million dollars are worth it, and your platform is now waiting to receive three or four hundred million!

According to the standard valuation method in the industry, the valuation is half of the amount to be collected, and your platform is worth 200 million to say the least. ”

Liang Weimin leaned back in the boss's chair and put one hand into the blouse of the female secretary next to him.

"Don't say 200 million or 200 million, you keep the user funds for me first, don't let them withdraw it. ”

He Shenghua's face was difficult to see to the extreme, and he directly issued an ultimatum.

"That's too hard for me, Uncle He!

But it's not impossible, you have to add money!"

Liang Weimin said while playing with the round object.

"Didn't I just give you 20 million last month? How much more do you need? You get things done first, and we'll talk about the money slowly!"

He Shenghua sneered twice, knowing that he had planted this matter, he didn't understand the Internet finance industry, and he was slaughtered as a pig.

"Uncle He, I forgot to inform you about this. Your 20 million have already spent 13.5 million, and only 6.5 million remain.

After the next month, all advertising dollars will be consumed. You see if you want to deposit a little more, otherwise we will stop promoting Jingrui Wealth next month. ”

Liang Weimin reminded on the phone seriously.

He Shenghua understood it all at once, this is a game, leading himself to the abyss step by step, and now he is finally trying to see the dagger.

After figuring out this knot, He Shenghua's brain began to run rapidly:

Weird advertising effects, Wang Qihang, who resigned and disappeared, and Liang Weimin, who cheated advertising fees.

colluded inside and outside, Wang Qihang did not report it, and let Liang Weimin deceive himself by more than 30 million.

Okay, good, you're all very good!

He Shenghua was short of breath, his teeth were clenched, the knuckles of the fingers holding the mobile phone were white, and he said in a cold tone:

"Okay, Liang Weimin, this time I admit it. We'll see!"

"Hey, Uncle He, what do you mean by that? I'm just a businessman, and a businessman is the leader.

You should think about how to operate the platform first! It's really desperate, you can find me, and I'll take it over for you!"

The corners of Liang Weimin's mouth rose, and he said with a relaxed face.

He Shenghua didn't believe that Liang Weimin would be so kind, so he hung up the phone directly.

Leaning back in his boss chair, he only felt that it was dark, and his chest was a little out of breath.