Zhao Sheng has been a little depressed recently, and since the beginning of the year, he hasn't made any money.

Last year, I could sign two or three single housing "two offset" loans or "foreclosure bridge" loans every month, and complete two or three million loan performance, and the commission was calculated according to 2% of the loan performance, and I could get a commission of 40,000 or 50,000 yuan.

Since the beginning of this year, the situation has changed all of a sudden.

First of all, the performance of two or three orders per month was not completed, and then the commission point also declined.

What makes Zhao Sheng most depressed is that the performance is not his own reason for not being able to complete two or three orders, he is not short of customers, but the company lacks loan funds.

The reason is very simple, after tasting the sweetness of cooperation with Yimin Financial Services Group last year, the company's management saw that the company's loan funds were sufficient and there was no shortage of customers, so they recruited a sales team, and the entire company's sales team doubled from the original 20 people to 40 people.

With sufficient funds for lending and sufficient customers, it has no impact that so many sales join the company.

But who knew that after the beginning of this year, Yimin Financial Services reduced the scale of financial cooperation with the company.

There is no money to lend, and there are customers who can't make a deal, and if they can't make a deal, they can't earn a commission.

Now Zhao Shengdu has saved up enough energy to run business at the beginning of the month, and wants to strive for more customers at the beginning of the month.

Because in the middle of the month, after the end of the month, the company basically can't release money, and the money is generally released at the beginning of the month.

Moreover, the company now has twice as many sales clerks, more wolves and less meat, and the 20 or 30 million loan funds per month have bottomed out very quickly.

Even if you are lucky to open an order at the beginning of the month in front of your colleagues, if you are a good customer, if you are a customer who is diverted from Jinke Loan Supermarket, it will be miserable.

For customers who develop by themselves, after the loan is successful, the loan amount is 2%.

For customers who are diverted from Ruixiang Jinke, the commission is only 0.5% after the transaction.

You must know that last year, the customer commission that was also diverted from Rui to Jinke was 1%, and this year it has dropped to 0.5%.

As for the decline in the commission point, it is caused by the increase in the cooperation rate of Ruixiang Technology.

The cooperation fee rate of the loan supermarket diversion business will be directly increased from 1% of the matching loan amount to 3% of the matching loan amount.

That's a full 3 times!

Their company borrowed 2% more than last year to acquire a customer from Ruixiang.

If a customer successfully borrowed 1 million yuan last year, Ruixiang Jinke's fee was 10,000 yuan, and according to this year's cooperation standard, it was 30,000 yuan.

The company did not dare to break off the cooperation with Ruixiang Jinke, because almost half of the company's customers need Rui Gui Liu.

So for this price, the company pinched its nose and had to recognize it.

Who will pay for the extra 20,000 costs?

The company paid 15,000 yuan, and the salesman paid 5,000 yuan.

That is to say, the company earns 1.5% less loan than before, and the salesman earns 0.5% less loan than before.

In fact, the company is quite generous, after all, it bears the bulk of the cost of customer acquisition channels, and the customer acquisition cost borne by the salesman is only 1/4.

The above inside stories were all told to him by Zhao Sheng's director, otherwise Zhao Sheng would not know what was going on.

Since Zhao Sheng became the director, in addition to usually inviting the director to dinner, he also invited the director to go to the club several times.

So, now I wear a pair of pants with the director.

If there is any inside information in the company, the good and bad directors will tell Zhao Sheng as soon as possible, so that he can be prepared. The director really likes this little brother who can do things, and wants to cultivate it well.

When Zhao Sheng heard the news at that time, he scolded his mother on the spot:

"Ruixiang Jinke and Yimin Financial Services are really shameless, and there is no contract spirit, raising prices and reducing cooperation at every turn. I don't know which two bastards opened these two companies, and sooner or later they will lose him. ”

The director patted Zhao Sheng on the shoulder and said earnestly:

"You're still too young! These days, interests are paramount! How can there be any spirit of contract!

Besides, our company has not signed a cooperation with others until this year. They were all re-signed this year.

Besides, what if you sign it? There are ways to cure you.

Ruixiang Jinke Loan Supermarket was just launched last year and was eager to open up the market to engage in a low-price strategy.

Now that people have developed, they have tens of millions of users and have cooperated with seventy or eighty percent of the loan companies in Beijing.

It is we who come to the door to ask for cooperation, not people who ask us for cooperation.

This is the transformation of the buyer's market into the selling market, and the price determined by supply and demand.

Got it!

As far as I know, this year they started to make their own loans.

Some time ago, I heard that their offline loan store opened, good guy, I heard that as soon as they came up, they recruited hundreds of salesmen, and also poached some sales leaders of old offline loan companies.

People are making such a big deal this situation, and it is clear that they want to do this part of the loan business internally.

In the future, it is estimated that the cooperation with our company will be completely broken. ”

After listening to the director's analysis, Zhao Sheng suddenly realized:

"That's what they planned!

After using us, it's like throwing used paper aside, without even looking at it, and we can't do anything about them. ”

The director pouted and said, "Isn't that it! Business society, isn't it just that you use me, and I use you?"

Zhao Sheng sat in his seat and remembered what the director had told him a few days ago.

"If this continues, the company will have to lay off employees. There is no need for so many salesmen, especially now that the monthly loan funds are restricted, so many people seem very redundant and cumbersome. Zhao Sheng thought to himself.

Watching the happy director walk out of the general manager's office, Zhao Sheng felt a little strange, could it be that there was anything happy in the company?

Zhao Sheng stepped forward with a shy face and accosted the director:

"Brother Kuan, what a happy event? ”

Director Brother Kuan's full name is Liu Kuan, and he is also a dog meat friend with Zhao Sheng, and the relationship is very good.

Liu Kuan put his arm around Zhao Sheng's shoulder, and said to Zhao Sheng as he walked: "Let's go, go to the balcony smoking area, smoke a cigarette, I will share this good news with you, it will be very beneficial to you." ”

Zhao Sheng was a little curious, his heart was like a cat's paw scratching, itching so much, he asked eagerly: "Brother Kuan, what good news! ”

Liu Kuan smiled and said, "You guess first?"

Zhao Sheng said with a humble face: "I can't guess, Brother Kuan, you give me some hints." ”

Liu Kuan's eyes rolled around, and he replied: "It has something to do with the loan funds, guess what?"

When Zhao Sheng heard this, his heart beat faster, and he asked excitedly: "Could it be that the company has found a new employer?"

Zhao Sheng thought at this time that if there was an investor entering the market, then there would be no shortage of loan funds for the company, and he could get tens of thousands of yuan a month like last year.

Thinking of this, my heart beats faster and my breath increases. I couldn't help but blush and pant a little.

Liu Kuan saw that he had already arrived at the balcony, and there was no one around, so he said in a low voice:

"It's not a new investor coming in. ”

As soon as Zhao Sheng heard this, his heart was half cold, and the whole person was like a frosted eggplant, listless.

After a long time, he asked in a depressed mood: "Brother Kuan, what kind of good news is this?"

Liu Kuan laughed and said, "I'm kidding you." Although it is not a new investor, it also solves the financial problem. Mr. He has decided to develop and launch our own P2P platform, and we will no longer have to look at other people's faces for financial cooperation in the future. ”

After Zhao Sheng heard this, the whole person immediately regained his spirit, and asked eagerly: "Brother Kuan, is this news confirmed? ”

Liu Kuan lit a cigarette, Meimei took a puff, and then looked at Zhao Sheng and said: "It's true, I have to thank Yimin Financial Service for reducing cooperation this time, and Mr. He finally made up his mind." ”

Zhao Sheng scratched his head and said, "What's the matter? Brother Kuan, didn't you give Mr. He advice several times but didn't succeed? Why did you succeed this time?"

Liu Kuan nodded and said: "Yes! I have said it many times, but Mr. He couldn't listen to it before, saying that the platform is not easy to operate! I don't know how he made up his mind this time!"

Zhao Sheng laughed and said, "Mr. He is too wise! Actually, he should have done this a long time ago." ”

Liu Kuan spat out the smoke ring, and said with a puzzled face: "Yes! It's long overdue to launch our own P2P platform, and I don't know what Mr. He thinks." However, it is not finished now, and our company should not be short of funds after a few months of development. ”

Zhao Sheng touched his forehead and said with a sigh: "It will take a few months to develop! How good it would be for Mr. He to be on the platform last year! Now he can normally transfer funds for the loan business. ”

Mr. He's full name is He Shenghua, and he is the owner of the Jingrui microfinance company where Zhao Sheng works.

At this time, he was leaning back in the thick boss's chair in a daze, thinking about some of the things that had happened these days.

First, Rui Xiang Jinke raised the cooperation rate, and then Yimin Financial Services began to reduce cooperation.

The occurrence of these two things is like two moving bricks that knocked him out on the spot.

He Shenghua did not have a high level of education, and he went to work in the capital after graduating from junior high school.

When he first came to the capital, he carried bricks and cement, and suffered a lot.

Later, by chance, I joined a private loan company, worked as a loan salesman, and also worked as a collector.

After working for a few years, he was familiar with all the loan processes, and he simply came out and went it alone.

Because he has many years of experience in the industry and is also down-to-earth and hardworking, he has developed and expanded Jingrui Company step by step, and finally reached today's scale.

First started with a loan intermediary company, and then found a lender to cooperate with you to lend on your own. Stepping over this step, He Shenghua has walked for ten years.

Today's Jingrui Company's monthly loan amount has reached 20 million yuan, and the annual loan amount is more than 200 million. After deducting operating costs and bad debts, there can be a net profit of six or seven million a year.

Last year, He Shenghua came to him several times to suggest opening a P2P company, but he rejected it every time.

The reason for refusal is very simple, he knows that he is a rough person, has no culture, is not that piece of material, and can't do that high-tech thing of an online financial management platform.

I have come to this point because of my conscientiousness, diligence and understanding of the industry.

But he really doesn't understand the online financial management platform.

He won't do anything he doesn't understand.

Now that he is middle-aged, he has a virtuous wife and a well-behaved daughter, and for the sake of his family, he does not dare to do that high-risk thing.

The loan company also has a profit of six or seven million a year, and has bought six houses in the capital, all of which are paid in full. It can be said that the economy is basically worry-free.

But a few days ago, a party in the microfinance industry touched him deeply, made him change his mind, or rekindle his passion for his career.