Like Tang Wei, who was banned, before 2008, Fei Yang and Chang Dong were unknowns, and they were just small account managers of Haizhou Bank.

After Ding Le invested in the establishment of Qiandai.com, it provided a new stage for the two, and now they seem to be upstarts in the Internet circle, and the limelight even exceeds the "Beijing IT Four Less" that has been hyped by the media in the past two years.

Previously, Li Xiang, the founder of Autohome invested by Ding Le, Mao Kankan of Majoy, Dai Zhikang of Kangsheng Chuangxiang, and Gao Ran of Mysee were all born in the 80s and established a company in their early 20s with a net worth of more than 100 million.

The December issue of Entrepreneur Bang magazine interviewed Fei Yang and Chang Dong about their entrepreneurial experiences, and the article said that they were pioneers of China's Internet finance.

Before the advent of Qiandai.com, domestic Internet finance was still in its infancy, and the combination of finance and the Internet was still in the transition stage from the technical level to the business field.

Paipai Loan, which has been in operation for nearly 2 years, is still hesitating to find its own model. The founders of Qifang.com have been busy telling stories and showing off their feelings, and their real lending business did not start until the end of 2008.

After the establishment of Qiandai.com, Ding Le and the three of them used their banking experience and network resources to seize the impulse of the bank's assets out of the balance sheet in a timely manner, and gathered a group of original customers through Professor Lang's endorsement, and quickly formed their own unique business model from front-end customer acquisition to follow-up asset package transactions.

It can be said that although Qiandai.com is not the earliest Internet financial platform in China, it is definitely the best developed one at present.

"In 2009, we will not only make a breakthrough in scale, but also in business model!" Chang Dong said confidently.

The current product model of Qiandai.com can no longer meet the increasing demand of investors, and in 2009 they will make further efforts in the field of P2P lending.

Ding Le knows that Chang Dong's words are meaningful, in fact, Chang Dong's idea is basically the same as his original intention, P2P lending is the most lucrative piece of Internet finance, he said: "For the future development, I will say a word, you can take a big step, but you can't drop the chain, and the bottom line of risk control can't be broken!"

In the next few years, Internet finance, like other industries in China's economic field, will experience a period of savage growth.

In December, the British newspaper The Economist used such data to describe China's economic development, which accounts for about one-fifth of the world's population, but these people are hungry for half of the world's pork, one-half of cement, one-third of steel, and more than a quarter of aluminum, and since 2000, China has swallowed up four-fifths of the world's copper supply increase.

Since November last year, in less than three months, C&D has taken three plots of land in Haizhou, and the entire real estate industry has changed from dying to dying and becoming the mainstay of economic growth.

As soon as the matter in Haizhou was over, Ding Le received a call from Gao Renqiang again, Gao Renqiang's broken Mandarin level has improved significantly, he said: "Boss, the license of the panther has been obtained, and I have a special investor here, he wants to talk to you face-to-face!"

"Why, didn't you say that it was okay to raise funds before, why do you want me to come forward now?"

Ding Le's series of questions made Gao Renqiang a little confused, and he hurriedly told the story of the incident.

In order to allow the panther to get the license as soon as possible and have the qualifications to conduct business, Gao Renqiang simply acquired a fully licensed fund company on Hong Kong Island, which was on the verge of bankruptcy in the financial crisis, and the appearance of the panther just made the company owner sell it at a good price.

After the panther got the license, Gao Renqiang was busy preparing for the issuance of funds, and then Zhang Geshen came to the door.

In February last year, after Zhang Geshen finished his global concert, he announced that he would temporarily withdraw from the entertainment industry to give himself a holiday, and devote himself to spending time with his family at home.

After the bankruptcy of Lehman Brothers, the value of those credit-linked notes issued by Lehman Brothers plummeted.

Prior to this, some banks in Hong Kong sold these high-risk financial derivatives to individual investors in the form of high-yield principal-protected bonds for high commissions.

Banks refer to these high-risk financial derivatives as "mini-bonds" and offer a guaranteed annual return of 10% to attract individuals into investing in such high-risk products, which are misled because they are unable to read the complicated product offering documents in depth.

Last year, Zhang Geshen, under the persuasion of the bank's investment manager, invested hundreds of millions of dollars to buy this kind of "mini-bond", and as a result, he suffered heavy losses.

As the bankruptcy liquidation process of Lehman Brothers has not yet been completed, Lehman Brothers Minibonds will not be able to receive compensation from Lehman Brothers in the short term.

In order to protect the legitimate rights and interests of small and medium-sized investors, the 16 Hong Kong banks involved in the distribution of Lehman Brothers were finally forced to jointly announce that they agreed to allow the holders of 24 series of Lehman Brothers to get back 70% to 93% of the principal amount of the 12.7 billion Hong Kong minibonds, and at the same time, these banks also agreed to provide an additional "ex-gratia payment" of up to 15%.

After several twists and turns, Zhang Geshen got nearly 85% of the principal, and after getting back these hard-earned money, he was recommended to find the Black Panther Fund for shorting Lehman.

Gao Renqiang struggled on the phone to explain the ins and outs of this matter.

"Are you saying that Zhang Geshen wants to subscribe to our products, but he wants to see me in person before signing for the purchase?" Ding Le confirmed with Gao Renqiang again after listening.

"Yes, he failed to invest in Lehman, but he wants to hear how you shorted Lehman successfully, he has a fan event in Modu next week, if you agree, I can arrange for him to meet you at that time!" Gao Renqiang said all his thoughts in one breath on the phone.

"Boss, I think it's still necessary to meet the God of Songs, with him as an example in the entertainment industry, our follow-up products will sell very well!" Gao Renqiang was afraid that Ding Le would not agree, so he hurriedly raised the status of the God of Songs.

Ding Le was silent for a few seconds after hearing this, and said, "Since that's the case, then you can arrange for me to meet with the God of Songs for a coffee!"

In another time and space, he did hear the story of Zhang Geshen who suffered a bloody loss in the financial turmoil and had to go out to make money again. At the same time, there are other artists who have also lost money because of Lehman's "mini-bonds".

Thinking of dealing with the god of songs, Ding Le's thinking began to diverge again, although he is a post-80s generation, he is a loyal fan of Zhang Geshen, the god of songs that he has been looking up to for a long time, and now he has to rely on him to turn over.

Ding Le thought of the god of songs, and then thought of the spokesperson who was banned and divided into the United States, he wondered whether to invest in a film and television company, and collect those popular stars one by one before they became famous in the future, it seems that this is also a good investment!

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