On January 20th, Yimin Fortune and his party arrived at the Porsche 4S store.

In a meeting room, two high-paid financial planners from other wealth brands are giving a lecture on financial management.

Zhang Yida and more than 20 car owners in the audience were listening with relish.

"How to realize the appreciation and preservation of family wealth?

If you want to beat inflation, you must make a reasonable asset allocation. ”

A financial planner dressed in a formal suit with oily hair preached.

Then he opened the slide again, pointed to the projection screen, and said:

"This is the S&P Quadrant for Home Asset Management.

It is divided into four parts.

The first part of the money to be spent: 10%, 3-6 months of living expenses and other short-term expenses.

The second part of the life-saving money: 20% of the money, to solve the sudden large expenses of the family, such as accidental critical illness insurance.

The third part of the money: 30%, stocks, funds, real estate, etc.

The fourth part of the money for capital preservation and promotion: 40%, pension, children's education fund, creditor's rights, trust, P2P financial management. It is characterized by the safety of the principal, the stable income and the continuous growth.

......

The next thing I will talk about is P2P online loan financial management, and you must choose the right platform when choosing P2P financial management......

Our company, Yimin Wealth, has just received $25 million in venture capital from Black Shirt Capital, and is now launching a high-end wealth management product.

The minimum investment threshold is 1 million yuan, and the product term is divided into four types: 6, 12, 18 and 24 months, corresponding to the yield of 10%, 12%, 14% and 16% respectively.

All raised funds will be lent to borrowers through the platform's big data credit risk control system. ”

After hearing this, more than 20 people in the audience turned their heads and ears.

"The yield is so high, it's more cost-effective than the bank!"

"The balance treasure is only 6%, this is two or three times higher, will there be any risk?"

"Everyone has received tens of millions of dollars of investment from Black Shirt Capital, and the company still has strength, so you can try it in the shortest 6 months!"

......

After everyone discussed for a while, a middle-aged woman who was fashionably dressed and well-maintained asked:

"I just want to ask your company how to protect the principal and income of our investors?"

Others also nodded, and the most concerned thing was the risk, after all, they had to invest at least 1 million, and no one's money was blown by the wind. It is necessary to find out the situation before making plans.

Another financial planner smiled, looked at the crowd and said:

"That's a good question, and I'm here to answer it.

At present, the underlying assets of our company are mainly mortgage loans such as housing loans.

For a house with a market price of 1 million, you can only borrow 7 percent, which is 700,000, and the house has to be mortgaged.

Once the borrower defaults, we can recover the loan through the auction of the property.

The investor's principal and income are guaranteed.

In addition, our company has also developed the most advanced risk control system, and some old and bad credit customers are unable to get loans through our system. This will also further reduce the risk of the loan.

In addition, our company has a catch-all clause. If there is a bad debt, we will repurchase everyone's creditor's rights.

So everyone can rest assured that it is good to buy boldly, the first batch of products is only 50 million, and after the sale, you have to wait until the next issue, and I don't know how long I will have to wait.

Maybe the income will also decrease a little as the market slowly opens. ”

After listening to this, the middle-aged woman felt that this company was responsible, and she had to protect the principal and interest for the user, so she immediately made the decision to invest 1 million yuan, and tried it for 6 months first.

With the first one to take the lead in buying, there are the second and third, and others have also reached investment intentions.

According to the last statistics, 10 out of more than 20 people reached an investment intention, and the intended amount reached 15 million yuan.

Some of the other people who didn't buy also left each other's contact information, saying that they would go back and think about it.

In the end, the amount raised by the event reached 18 million yuan, and several customers chose to participate in the investment after thinking about it.

After the funds are in place and enter the Yimin Wealth Company, the 3% cooperation commission, that is, 540,000 yuan, is sent to the Porsche 4S store.

After seeing that this kind of cooperation could really increase the company's revenue, Jiecheng Group opened up cooperation with the other 9 Porsche companies under its umbrella to Yimin Wealth.

Yimin Wealth, on its part, continues to poach people from major wealth management companies, recruit people, and supplement the team.

With the successful cooperation cases with Jiecheng Group, it has successively knocked on the door of cooperation with other luxury car 4S stores such as Bentley and Ferrari.

Yimin Wealth Management will continue to cooperate with Ruixiang step by step to attract traffic, and increase the transformation and development of existing customers.

The newly established Yimin Loan is a new brand, and the team structure is still under construction.

Yimin Investment Management Company, in Ding Siyao's office.

A man of thirty years old, with oily hair, gold-wire glasses, and a high-end suit, is full of elite temperament. At this time, he was facing Zhang Yida, and Ding Siyao and the two talked eloquently:

In this way, Korn Ferry International, a headhunting company entrusted by the black shirt, found me.

Tell me that in China, there is an Internet finance company that has only obtained the A round of venture capital in the black shirt, and there is a shortage of risk control personnel, and asked me if I was interested.

Of course I'm interested!

After graduating from Stanford with a Ph.D. in Finance, I joined Capital One for 5 years now.

In the United States, there is a ceiling for Chinese people to be promoted in large companies. ”

Speaking of this, Chen Shaojie sighed and said with a wry smile:

"Because overseas Chinese only know how to go to work with their heads stuffy, they are not good at expressing themselves, they are not keen on political activities, and they are not united.

In the United States, it is a mess of sand, not to mention that white people can be executives of large companies, and even Ah San is stronger than Chinese, and he can be the CEO of large companies.

The Chinese are at most middle-level!

Therefore, as soon as I heard the invitation of a domestic Internet finance company, I agreed without hesitation.

In the United States, I can see the known future, but the future of China is unknown, and it is worth looking forward to. ”

Zhang Yida was a little pleased, the Chen Shaojie in front of him was born with a doctorate in finance, and he also worked in Capital One for 5 years and served as a middle manager.

Capital One Chinese also known as First International Capital Group, is a Fortune 500 company, with tens of thousands of employees worldwide and assets of more than $300 billion, making it the second largest consumer finance company in China.

In the history of global consumer finance, Capital One is one of the indispensable protagonists.

As a company with the concept of "data drives everything", the belief in data can be described as religious, deeply rooted in every detail and every capillary.

This is the genetic key to Capital One's far lead, and it is also the potential reason why it has avoided crises time and time again.

For example, before the financial crisis in 2008, Capital One, which was doing housing loans, monitored the data anomaly and decisively sold the mortgage business, surviving the largest financial crisis in history.

In addition, Capital One's recruitment process is also very strict, it is said that there are more than a dozen rounds of interviews before and after, plus a large number of written tests of mathematics and logic.

The acceptance rate is as low as 3%!

But successful onboarding people all have one thing in common: sunny and cheerful, extremely high IQ, and extremely strong communication skills.

In later generations, half of the domestic Internet finance was supported by the Chinese who left Capital One.

Almost all of the top 100 Internet finance companies in China have people who have left the company to serve as core executives in risk control and products.

The black shirt can dig up a treasure for the company this time! It can be said that it is a talent tailored for Yimin Loan!

Zhang Yida smiled happily and said:

"On behalf of Yimin, I warmly welcome Mr. Chen to join!

At present, Yimin Company is divided into three sectors, P2P capital side Yimin Wealth Management, Yimin Wealth Service for high-net-worth individuals, and Consumer Credit Brand Yimin Loan.

I would like to ask Mr. Chen to serve as the CEO of Yimin Loan, and make the most of your strengths to build Yimin Loan into a data-driven consumer finance company. ”

Chen Shaojie was a little stunned, thinking that he would let himself go to the risk control position. Slightly puzzled, he asked:

"Mr. Zhang, am I not the Chief Risk Management Officer of CRO?"

Zhang Yida waved his hand, looked at Chen Shaojie with a smile, and praised:

"With your talents, being the Chief Risk Management Officer is too condescending.

On the capital side, we will only raise more and more funds, and we are currently cooperating with external loan companies, who are responsible for lending.

The asset side is in the hands of others, and I am still relatively uneasy.

Therefore, the next key work of Yimin will be on building a core asset-side brand.

And you, my favorite candidate.

You have been engaged in consumer credit risk management for many years and are familiar with the construction of risk control systems and the application of big data analysis.

At the same time, I hope that you can also bring Capital One's advanced concept of data-driven everything to the company, and build a first-class risk control team. ”

Chen Shaojie probably understood that this was a brand separation, and the capital side and the asset side were different brands. Thinking that he could be responsible for Yimin Loan alone, his heart was very hot. Considering the current complex credit environment in China, it is a headache. I asked again:

"What kind of assets does Yimin Loan focus on?"

Zhang Yida thought that the most promising of all kinds of assets in the next few years would be consumer loans, so he did not hesitate to say:

"Consumer finance, unsecured small cash loans. ”

However, considering the supervision and risk management of later generations, another sentence was added:

"Try to rely on the consumption scene!"

Chen Shaojie frowned, the company has no other subsidiaries that can rely on consumption scenarios, such as supermarkets, shopping malls, e-commerce platforms, etc. You can only work with external companies.

But it's not reliable to cooperate with others! Seeing that you make money will kick you off and do consumer finance yourself.

A little helpless said:

"We don't have a consumption scenario at the moment, so it's not easy to do it, and external cooperation is not reliable. ”

Zhang Yida lowered his head and pondered, housing loans, car loans, education and training loans, tourism installments, decoration installments, home appliance installments, car financial leasing, e-commerce installments, medical beauty installments, three rural loans, credit card compensation, virtual credit cards......

The most suitable should be a virtual credit card, combined with mobile payment to open up some offline merchants, and do offline consumption and shopping installments.

Similar to Huabei, after scanning the code to pay, it will be included in the bill, and the loan will be repaid next month, or repaid in installments.

You can also build a shopping mall online to sell appliances and 3C digital, and give users a consumption limit for buying goods in installments.

In this way, it's just another Huabei, and then adding the cash withdrawal function is borrowing.

The online goods are not as complete as Ahri and Goudong, and the offline payment code coverage is not as good as Alipay.

Let's take it step by step! Zhang Yida said:

"Let's do it this way! Make a cash loan APP online without consumption scenarios, and make it up on a large scale, after the risk control system is perfected. The consumption scenarios are cut into the past one by one.

Offline, housing loans and car loans, as well as white-collar personal credit loans with stable jobs and social security provident fund are the mainstay. ”