Zhao Erya entered the community, gently opened the door, and tiptoed inside.

As soon as he took two steps, he saw his mother Wang Hongxin standing in front of him.

Zhao Erya pretended to be fine, and said with a smile: "Mom, I'm back, I'm so sleepy, I'll go to sleep first." ”

After speaking, he wanted to get through the trick and drill inside, but he was caught by Wang Hongxin, and Wang Hongxin said:

"What time is it? It's 11 o'clock at night, and it's dangerous for a girl to come home so late. Why did you go?"

Zhao Erya looked innocent and said, "Mom, I'll just eat with a few classmates, there's nothing dangerous." Besides, someone sent me back. ”

After speaking, he reacted and said that he had leaked his mouth, and hurriedly glanced at Wang Hongxin.

Wang Hongxin looked at her daughter with a smile, and said after a while:

"Zhang Yida sent you back!"

Zhao Erya saw that she couldn't hide it, so she had to nod.

Wang Hongxin didn't say anything, brushed Zhao Erya's hair, and said with a kind face:

"Okay, it's so late, let's go wash and rest first!

Next time you don't come home so late, you have to call your mother first, you can't get through, I see that your mother is in a hurry!"

Zhao Wenbin walked out of the study and said gently:

Next time, remember to call home in advance. ”

Zhao Erya hung her head and said, "My phone is out of battery and turned off!"

Zhao Wenbin waved his hand and motioned for Zhao Erya to go to rest first, and Zhao Erya hurriedly went upstairs and slipped away as if she had been amnesty.

Wang Hongxin watched her daughter go upstairs, mysteriously approached her husband, and said:

"It was Xiao Zhang who sent him back, and they had a reunion with several classmates. ”

Zhao Wenbin asked curiously, "Is that Xiao Zhang, Yaya's classmate?"

Wang Hongxin looked unhappy, and said: "The Zhang Yida I told you last time is Xiao Zhang! Why did you forget, you really don't care about your daughter at all, and you think about work every day." ”

When Zhao Wenbin heard what Wang Hongxin said, he remembered that he also asked the people below to hand over the information of this Xiao Zhang, and he looked at it at the time, but he forgot it after so long afterwards. So he smiled and said:

"That Xiao Zhang is still good, in this way, you ask Yaya to invite him to our house for dinner tomorrow. I had a good chat with him and checked for my daughter. ”

Wang Hongxin also thought that this idea was good, so he catered and said: "Okay, I'll go and tell Yaya to ask her to call Xiao Zhang to come to the house for dinner tomorrow." ”

After speaking, Wang Hongxin went upstairs and knocked on Zhao Erya's bedroom door. said: "Yaya, call Xiao Zhang to come to our house for dinner tomorrow! Your father wants to meet her." ”

When Zhao Erya heard this, she was a little embarrassed and said, "Mom, next time! I'm embarrassed!"

Wang Hongxin said resolutely: "No, it's tomorrow, I've discussed it with your father, you hurry up and inform Xiao Zhang." Okay, that's it, your mom, I'm sleepy. ”

After speaking, he went downstairs without waiting for Zhao Erya's reply.

Zhao Erya had a headache, and after thinking about it for a while, she called Zhang Yida again.

Zhang Yida had just arrived home when he received a call from Zhao Erya and asked:

"Erya, what's wrong? Yes, I just got home! What? Your parents invited me to your house for dinner tomorrow?"

Zhao Erya thought that Zhang Yida was a little resistant to this, so he said: "If you are embarrassed, forget it! ”

Zhang Yida was silent for a while, and felt that he couldn't leave a bad impression on Zhao Erya's parents, so he stubbornly said: "Okay, I'll go!"

After asking Zhao Erya's parents what they liked, and the specific work unit and position of her parents, Zhang Yida hung up the phone.

finally figured it out, Zhao Erya's father's name is Zhao Wenbin, and he is a senior official in Huayang District, Beijing City, a high-level high-ranking official, and a deputy provincial senior official. Her mother, Wang Hongxin, is the director of the office in the Personnel Department of the Ministry of Culture, and is at the level of director.

Zhang Yida felt a little pressured, and he didn't know what tomorrow's family banquet meant.

Following.

Zhang Yida called Zhao Erya to go to the mall to sweep the goods and bought a box of 6 bottles of Feitian Moutai, because he heard Zhao Erya say that his father's hometown is from Lu Province and loves to drink, so he bought wine.

It's the first time they've met, and their families are sensitive, so it's not appropriate to send something too valuable.

Wang Hongxin's side, Zhang Yida spent more than 10,000 yuan to buy a set of Lancôme's cosmetics. Women, born with a love of beauty, are right to buy this.

By the way, I also bought a set of Dior cosmetics for Zhao Erya.

After buying all the things, Zhang Yida drove his paramela to Zhao Erya's house.

When they arrived at the gate of the community, the armed police looked at the documents taken out by Zhao Erya, and after confirming it, they were released.

Zhang Yida drove into the community only to find that there was a hole in it, and the houses were all single-family, not much luxurious, but they were also more exquisite and beautiful.

When he arrived downstairs at Zhao Erya's house, Zhang Yida parked the car in the parking space, opened the trunk, and followed Zhao Erya into the house with Moutai and cosmetics.

saw a middle-aged man standing next to Wang Hongxin, and saw Zhao Erya calling "Mom and Dad", knowing that it was Zhao Erya's father. So he asked politely:

"Uncle Zhao, Aunt Wang, hello!"

Zhao Wenbin saw Zhang Yida holding a big bag and a small bag, looked at it carefully, and felt that the young man was tall, handsome, and not bad. He smiled and said:

"You're Zhang Yida Xiao Zhang! Haha, sit inside. ”

Zhang Yida put Moutai in the living room and said, "I heard Erya say that you like to drink alcohol, uncle, so I bought you a few bottles of wine." ”

Then he handed the cosmetics to Wang Hongxin and said, "Auntie, this is a cosmetics for you." ”

Wang Hongxin took a look at the cosmetics and saw that this was a Lancôme product, and knew that it was not cheap. Shirked: "Xiao Zhang, you can come here, what kind of gifts do you want to buy!"

Zhang Yida smiled: "Auntie, this is my heart, you can accept it!"

Seeing that Zhang Yida said sincerely, Wang Hongxin didn't shirk it anymore and accepted the cosmetics.

Zhao Wenbin looked at the wine sent by Zhang Yida, and after knowing that it was Moutai, he also feigned anger and said: "Xiao Zhang! Don't buy such expensive wine next time, just buy two bottles of Lao Baigan from a small roadside shop." It's all wine, and it makes no difference when you drink it. ”

Zhang Yida knew that this was a polite remark, so he passed it after a haha.

Wang Hongxin and Zhao Erya, two mothers and daughters, were cooking in the kitchen, and Zhang Yida was invited to follow Zhao Wenbin to the study.

Zhao Wenbin handed a cigarette to Zhang Yida, lit one himself, and asked in the smoke:

"Xiao Zhang, I heard Yaya and her mother say that you are starting a business, and you are engaged in Internet finance.

I'm quite interested in this industry, and there are a lot of such companies in the district recently, Internet + finance, you can tell me about the future potential and development prospects of this industry, as well as the operation model!"

Zhang Yida knew that he was considering himself, and he was not timid, nodded and began to speak:

"Internet finance is a very broad concept, which can be roughly divided into two schools.

The first group is to transform or reconstruct traditional operational processes by empowering the Internet and adopting information technology, so as to realize the operation and management of traditional financial institutions such as banks, securities and insurance.

The second group can be defined as new finance, represented by crowdfunding, P2P online lending, third-party payment, digital currency, big data finance, financial portals, etc., which can all be called new finance. ”

Zhao Wenbin smiled and nodded, listening to Zhang Yida say this, he probably understood the classification and definition. looked at Zhang Yida and asked:

"Then what your current company is doing is new finance! What kind of mam is it?"

Zhang Yida replied unhurriedly:

"I currently have two companies that are starting a business in the new finance space. The first company, Ruixiang Fintech Group, started as a financial portal, and now has expanded to third-party payment, and big data financial projects are also under intensive research and development.

The second company, Yimin Investment Management Co., Ltd., started as a P2P online lending, and has now extended to wealth management and consumer credit. ”

Zhao Wenbin was a little surprised when he heard Zhang Yida say this, this little Zhang has only been in business for half a year, and he has already entered so many subdivided industries. It's a big picture. Tentatively asked:

"Xiao Zhang, your companies are developing very well, will you still enter the fields of crowdfunding and digital currency in the future? ”

Zhang Yida said eloquently:

"The crowdfunding industry does not do crowdfunding for commercial projects, I prefer to do public welfare charitable donation crowdfunding, attract traffic, and finally cut into the field of Internet insurance.

Digital currency will not be done directly, the most valuable thing for the financial industry is the blockchain technology behind digital currency.

The distributed storage and non-tampering characteristics of blockchain technology can make great achievements in enhancing information storage, improving the efficiency of financial services, and strengthening data security and protection. ”

Zhao Wenbin also graduated from an undergraduate, and he basically understands all that Zhang Yida said. After thinking about it carefully, theoretically speaking, some of the views and directions put forward by Zhang Yida are still very forward-looking, but it is difficult to say whether they can be implemented or not.

However, seeing that he has been able to pull up such a big battle in the past six months, he is also a person with great executive and management skills, and there is great hope for success.

In terms of business ability, Zhao Wenbin still recognizes Zhang Yida very much. He continued to ask:

"Among the many sub-industries of Internet finance, the highest risk is P2P online lending, what do you think of Xiao Zhang?"

Zhang Yida knew that he was talking about running away, and there have not been one or two P2P runaways so far, which has caused a lot of turmoil and bad social impact. 正色 says:

"Technology is not sinful, and those who apply it have good and evil.

The risks of P2P online lending can be divided into five categories: runaway risk, illegal fundraising risk, credit risk, liquidity risk, and policy risk. The risk is in descending order.

The first is the risk of running away, which boils down to the broken capital chain due to poor management or malicious fraud itself.

On the one hand, traditional illegal fundraising has developed from offline to online, and illegal fundraising is carried out under the guise of Internet "financial innovation"; on the other hand, self-financing P2P platforms have issued false usurious "loan targets" to raise funds for their own production and operation, and even absconded with the money.

The second is credit risk, because the social credit system is not perfect, it is difficult to obtain more comprehensive credit information of borrowers, and it is impossible to accurately screen the credit level of borrowers and give credit ratings;

It is also difficult to check the borrower's credit record from the credit information system of the People's Bank of China or enter the borrower's default record into the credit information system of the People's Bank of China, and the customer credit data between platforms has not been shared. There is no effective deterrent to defaulting borrowers, and there is also the avoidance of long lending.

Then there is the liquidity risk, which mainly stems from the platform's bid splitting behavior and commitment to guarantee principal and interest, which makes the platform bear the huge pressure of capital advances, and the platform's own funds are often insufficient to cope with the run on centralized maturity or large withdrawals, resulting in liquidity risks.

The last policy risk is state supervision, the current P2P is a state without any record and license, and the sword of Damocles of regulation does not know when it will fall. ”

Zhao Wenbin nodded, summed it up very well, it seems that more investigation and supervision of P2P platforms in the jurisdiction will be carried out.