"Yes, due to the impact of the Pig Pig Treasure incident, the panic among lenders across the country is rising.

This panic has spread throughout the industry, with a run on many platforms.

Including our Yimin Netfinance, there are also many investors who are withdrawing their capital, and the reinvestment rate after the expiration of the product is terrifyingly low.

In addition, the platform creditor's rights transfer area has also been blocked.

In the past, some users wanted to withdraw their funds halfway, and they just transferred their creditor's rights, and they were transferred out in a few minutes.

But now there are users who have been transferring for a day or two, and there is no one else to take on the creditor's rights.

Because the creditor's rights cannot be transferred, this panic is further increased, and more and more users choose to withdraw funds and transfer their creditor's rights.

Hey, what's this called! Piggy is a black sheep that has affected the entire industry. ”

Fan Hongyang reported to Zhang Yida about the problems he had encountered recently, his face was very ugly, and he hated Zhu Zhubao even more.

"Divestment and transfer, it's not a small problem!"

Mr. Zhang muttered to himself, his brow furrowed, feeling that he had underestimated the vulnerability of domestic investors.

A little bit of wind and grass will make chickens and dogs jump.

It's useless to think about it now. Zhang Yida asked again: "Have you calculated, how much impact will it have on the platform?"

Fan Hongyang's face was serious, and he said slowly: "First of all, the monthly new turnover of our platform will be greatly affected.

It is speculated that the monthly turnover may decline from the current 5 billion yuan to 3.5-4 billion yuan.

The other is the asset side, the new funds on the capital side are reduced, and the lending funds may cause a big shortage.

In the next quarter, operating income is expected to be down 15%-20% and operating profit by more than 20% in Q1 FY16. ”

"It's such an impact, huh?"

Song Caiwei was also surprised, Yimin Wangjin's revenue in a quarter was more than one billion yuan, and on this basis, it was reduced by 15%, that is, more than 200 million.

A pseudo-peer was knocked out, implicating Yimin Netgold to reduce its income by more than 200 million!

Zhang Yida looked at Song Caiwei, who was shocked, and explained to her: "This is the status quo of the industry. When a multi-bony Nomi card falls, a chain reaction is triggered.

The volume of more than 38 billion yuan of Zhuzhubao is too large, so the impact and industry shock are also very large, which basically arouses the attention of the whole society.

Our Yimin network gold is okay, and the foundation is thick, which can't shake our foundation.

Those small and medium-sized platforms are miserable, and they may have to fall in large numbers.

Especially those whose operations are not standardized, and engage in maturity mismatch and capital pooling.

This large-scale run on the industry may trigger a series of redemption crises. ”

When he said this, Zhang Yida was also a little happy. I am glad that I adjusted the company's products and operation strategies as soon as possible.

Earlier, in order to pursue the speed and scale of development, Yimin Netfinance dismantled the bid and mismatched the deadlines, which can be described as doing everything.

But last year, in order to resist uncontrollable risks, Zhang Yida ordered the company to be overhauled.

Zhang Yida thinks about it now, and he still has palpitations. If you still follow the wild path of the previous two years, I'm afraid that I will be forced to go to the rooftop by the crowd now!

"Have you thought of an effective way to deal with it?" Zhang Yida asked Fan Hongyang.

Fan Hongyang looked embarrassed and said, "I just want to do some marketing activities to offset the impact of capital outflow." ”

"Don't!"

Zhang Yida quickly interrupted Fan Hongyang and explained: "If you don't do it well, it will be counterproductive." Users still think that our platform can't hold on.

That's how many runaway platforms do it, and they come up with a wave of marketing before they run.

I don't want Yimin Netgold to be misunderstood by users. ”

"Then let's hold a press conference?" Fan Hongyang suggested again.

"It's not appropriate. We haven't done anything wrong, what do we need to explain?" Zhang objected.

"What's going on then?" Fan Hongyang also feels a headache now, this is not good, that is not appropriate.

"The priority is to restore investor confidence. Zhang Yida put forward his own ideas, and asked Fan Hongyang: "How much money is still in the company's account?"

"Excluding the $800 million in own funds lending, there is still $420 million in liquidity. Fan Hongyang replied.

"Which banks are there? Ask them to issue a certificate of deposit and then post it on the website. ”

Fan Hongyang scratched the back of his head and asked Zhang Yida with a smile: "Is this possible?

"I dare not say that it will work. Compared with the current amount of 26 billion yuan to be collected by Yimin Net Gold, this liquidity can only cover 10% of the creditor's rights.

That's not the most critical thing, though. The most important thing is that we stand up and show our attitude. ”

Fan Hongyang thought for a while and asked: "Mr. Zhang, what do you mean to show users that our platform is open and transparent through this kind of financial disclosure. Is that what you mean?"

"Yes. That's right. At this time, the more you hide it, the more you have ghosts in your heart.

Although our liquidity is insufficient to cover all of our claims, our exposure to risk is significant.

But with more than 2 billion liquidity, there is absolutely no problem in coping with daily operations.

We just want to tell users: Yimin Network Gold is rich, not bad money, and will not run away. ”

"We are originally a listed company, and the financial data is all public?" Fan Hongyang asked again, he didn't know why Zhang Yida did this extra thing.

"Some users don't speculate on stocks, they definitely don't know! And we are a U.S. stock, and even fewer users know our specific financial data.

We let the bank issue a certificate of deposit, which is simple and rude, and the user can see it at a glance. ”

Fan Hongyang said, "Okay then! I'll arrange it right away." ”

"Don't go yet. Zhang Yida stopped Fan Hongyang, who wanted to leave, and said: "Open a live broadcast function in the Yimin Netgold APP." ”

......

"Hey, what's that camera?"

In the morning, as soon as an employee of Yimin Netfinance entered the front desk door of the company, he found a camera overhead and asked curiously.

"You didn't read the open letter from all employees of the company last night, did you? Our company has installed a lot of cameras in the office area. A colleague around him explained to him.

"Why do you install a camera? Does this count as snooping on employees' privacy?" said one employee indignantly.

"Not really. The fact that so many people in the company work here is originally public. It's not live streaming your home. Others retorted.

"Our company is quite trendy, live broadcast the company's office life, not afraid of leaking secrets? ”

"Not affected by Pig Pig, our company's stock price fell by nearly 20%. This move is to restore market confidence and show our company's attitude of not running away. ”

"It's absolutely amazing. Who came up with this idea?"

"I guess it's Mr. Zhang. I saw him come over two days ago. Then Mr. Fan began to organize people to lay the camera. ”

Mr. Zhang is worthy of being a young man, and his thinking is quite avant-garde. ”

......

Users of Yimin Netfinance have received a software update reminder when they log in to the APP.

After they updated the software and logged in, many users found that the software had an additional service - live viewing entrance.

Click on the entrance to enter, and many live broadcast pages are loaded.

A live broadcast page looks like a front desk, printed with the logo of the beneficial people's network gold, and two beautiful young ladies are sitting there upright.

A live broadcast page is like an open office area, densely packed with people sitting in front of the computer to work.

Several other live streaming pages are also office areas, and there are many people working in front of their computers.

Only one live stream page is black and has not officially opened yet.

The barrage also brushed up.

"666, Yimin Netgold has a new trick. ”

"What is this?

In order to prove that he is not a garbage platform like Pig Pig, Mr. Zhang also took great pains. ”

"I feel like this is very good! If you have nothing to do, you can go on the APP to see if anyone has gone to the empty building of Yimin Net Finance, and you can sleep soundly. ”

"Create a precedent for P2P online live office. ”

"In special times, it should not become the norm. ”

"There are also a few deposit slips posted on the homepage of Yimin Net Finance, a lot of 0. ”

"I've calculated, more than 2.6 billion, it's really rich. ”

"Alright, alright, I know you're not short of money, and you won't run away. ”

......

"Hello everyone, I am Xiaomei, a staff member of the operation department of Yimin Netfinance. ”

The last live broadcast page on Yimin Net Gold that did not light up suddenly lit up. A young girl dressed as an urban beauty is greeting everyone on the live broadcast page.

"Wow, such a beautiful girl, I want to go to work in your company too. ”

"Yimin Netfinance is not operating well, and it has carried out major transformations and organized employees to go to the sea to make money through live broadcasts. ”

"Such a beautiful young lady, how much money do you have to recharge to redeem one?"

Xiaomei ignored all kinds of barrages, she had a major task, and it was impossible for her to be disturbed by these foul words, so she didn't see it.

She gestured, and the camera team that followed her pointed the camera at the tall building behind her, and she continued:

"My current location is downstairs of the Zixing Building in Haiding District, Beijing. The 25th-30th floors of this building are also the location of the headquarters of Yimin Jinjingcheng.

Now let's take everyone up and have a look!"

Xiaomei walked towards the building, and the photography and videography team followed her into the Purple Star Building.

Taking the elevator, Xiaomei and her party went up to the 25th floor.

Xiaomei said hello to the two front desks, stood in front of the camera and introduced: "This is the front desk ...... of our Yimin Net Finance Company."

Then Xiaomei and the camera team behind her entered the open office area, and she introduced to the camera: "This is the technical department of Yimin Netfinance. ”

Then she visited a programmer ape who was immersed in code, pointed to the lines of code on the computer, and asked, "Hello colleague, can you tell us about the work you are doing?"

Program Ape introduced to the camera: "Hello investors and friends, I am the technical department of Yimin Wangjin......

What I am doing now is APP reinforcement, which is to ensure the security of the APP, prevent password theft, file tampering, ......"

Xiaomei then interviewed several program apes, asked them about the work they were doing, and then asked them to introduce themselves to the investors watching the live broadcast in front of the camera.

Then Xiaomei went to the operation department on the 26th floor, the risk control department on the 27th floor, and the asset side on the 28th floor......

Several staff members were interviewed on each floor, and they gave detailed business introductions to investors who watched the live broadcast.

The whole live broadcast lasted for several hours, visited 6 floors, more than a dozen departments, and dozens of employees of Yimin Netfinance introduced their work in front of the camera.

Many investors of Yimin Netfinance watched the live broadcast in its entirety and had a clearer understanding of Yimin's business.

In the past, many investors invested in Yimin Netgold on the Internet in a daze, some were introduced by friends, and some came after seeing advertisements......

Many users lack sufficient understanding of Yimin Wangjin, where does the money they invest go?How does Yimin Wangjin operate?How many employees does Yimin Wangjin have, and how many subsidiaries does Yimin Wangjin have?

It's basically a question and a question.

Even if some users have a certain understanding, it is all hearsay, or some news and information seen on the Internet, which is not comprehensive at all.

Because of this, Zhu Zhubao was defeated, and the entire industry was jumped, and all kinds of funds were withdrawn and creditor's rights were transferred.

Therefore, Yimin Netfinance organized such a unique live broadcast.

It is to shorten the distance with investors, introduce the company and business model to investors at close range.

Eliminate investors' distrust and misunderstandings about the company.