In the previous life, because the government/government did not issue relevant regulations, the registration threshold of the online loan platform was extremely low, and tens of thousands of yuan could be registered.

In this way, online lending is different from financial institutions, financial institutions are net capital management, whether it is a bank, or a trust company must have its own registered capital, less than hundreds of millions, more billions, and the registered capital is not a kind of operation, but a kind of guarantee, a kind of "threshold".

Therefore, a large number of online loan platforms have appeared, with high profits of at least 30% a year, and the high profits reaching 50%, which is very terrifying.

The online lending platform was first founded by the British, and it was still in 2005 when the Internet was mature.

In this year, 2001, there were no online lending platforms in the world, and few people would have thought of the operation of online lending platforms.

Li Feiteng thought that if he wants to be the first online loan platform, the first thing is to formulate a "threshold", and the threshold must be ridiculously high, so that it is impossible for anyone else in Huaxia to create a second online loan platform except for the top rich.

Only in this way, in a country with a large population in China, as long as it occupies the market in China, it can actually rank first in the world, and if it develops to other countries, it will naturally not be to mention.

Online lending platforms are actually a type of P2P model, and P2P means person-to-person.

In terms of P2P, Li Feiteng is definitely a global expert.

Whether it is Bitcoin, Buckle Chat, Buckle Video, or Buckle Download Tool, they are all operated with P2P inventions.

Globally, that is, the Google Group. In the P2P space. There are a lot of software products that users love.

P2P is a technology. However, it has developed into a popular concept.

It must be a great thing to be able to innovate a popular product on the popular concept.

Li Feiteng was in front of the computer, crackling with the planning plan of P2P online loans, his head was conceived very quickly, and his hands couldn't stop at all.

He thought, Huaxia's online loan threshold. It is set at least $500 million, and it is not working capital, but a guaranteed registered capital.

Any online lending platform that does not guarantee funds is not a formal scammer platform and will be ordered to close.

With this high threshold, it is almost impossible for any more chaotic competitors to emerge, and the online lending industry can remain quiet.

After setting the threshold, Li Feiteng began to do the basic structure of the online loan platform.

To be the world's largest platform, facing loan users, the amount of loans. Nature can't be too little.

In order to be able to ensure the efficiency of the loan, Li Feiteng thinks. He should set up an efficient online onboarding team for the platform.

In terms of business, it has also expanded to various industries, fields, and any group of people, even children.

Of course, this kind of loan needs the help of a supervisor.

If you really want to build a platform like this, in fact, $10 billion is not enough.

10 billion is still a lot of money for one person, 100 people, 1,000 people, 10000000 people, but for tens of millions of people, hundreds of millions of people, it becomes very little.

Once the platform becomes popular, the amount of money lent out every day is likely to be an astronomical amount.

Therefore, in order for this kind of online shopping platform to survive, it is still necessary to absorb private capital.

In the end, an online lending platform is a platform, not a financial institution.

The threshold is like a financial institution, but the essence is still an online loan platform, 10 billion US dollars, Li Feiteng took out 500 million US dollars as a guarantee of registered capital, and the remaining 9.5 billion can be fully invested in the operation of the platform, more than half of which can be used to recruit talents, and the other half is to lend out and invest.

Where is the profit point?

Li Feiteng paused, and he wrote down the intermediary fee.

The first profit point of online lending is naturally the intermediary fee of the platform.

Lenders borrow money from the platform and charge intermediary fees after discounting, and borrowers who invest in high-profit secured loans, recharge platforms, and discount all charge a certain intermediary fee.

Li Feiteng plans to set the recharge and discount of intermediary fees at three levels: 1:1000, 1:2000, and 1:3000.

They are less than 10,000 yuan, less than 50,000 yuan, and less than 500,000 yuan.

As for those with more than 500,000 yuan, there is naturally no need to charge intermediary fees, whether it is recharge or discount, they all enjoy VIP treatment.

The VIP system of the online loan platform is a better means for Li Feiteng to absorb private funds.

VIP is VIP, there is no level division, and there is no need to pay VIP fees, you only need to ensure that there is no less than 1 million RMB on the account, you can enjoy VIP treatment, whether it is discount or investment, there is no handling fee, and you can also enjoy the first time investment information, priority investment rights.

With this VIP system, after the development and growth of the online loan platform, it is guaranteed that there will be no less than billions of stable capital reserves.

The turnover of Li Feiteng's capital will not be so stressful.

Of course, the premise of this is that the online loan platform can build up its credibility and brand, avoid and reduce the orders of the old man as much as possible, and even if there is a bad man, the online loan platform has the ability to repay the principal and interest, and has the ability to guarantee.

Only by withstanding any risks and all the tests can the online loan platform become bigger and live.

Otherwise, even if it is Li Feiteng, even if he will not abscond with the money, he will naturally fail unavoidably, close the platform, and settle the bill.

So how does the security company serve this online lending platform?

Li Feiteng thought of a measure to raise interest rates after the deadline, and there should be punitive measures for the old lai, and there should be a grade.

Level 5 punishment: record filing, online loan credit score clearing, and an additional 30% overdue interest rate.

Fourth-level punishment: In the fifth-level punishment, plus the security company comes to collect the money, and publishes the information of the old man on the whole network.

Level 3 Punishment: On the basis of Level 5 and Level 4 punishment, a court summons will be issued, and the local joint media will report on the exposure of the Lai's information.

Second-level punishment: Cooperate with UnionPay to freeze all account assets under the name of Lai.

Level 1 Punishment: Notify the Lai Lai Globally and put the Lai Wai on the UnionPay blacklist until the loan is repaid.

In fact, Li Feiteng will also unite with some local dishonorable organizations to deal with Lao Lai.

In other words, it's really no different from usury.

Because, if you don't pay back the money, the end will be very miserable and terrifying.

Anyway, Li Feiteng is not afraid of anything, he only needs to put pressure on the people below, and those who have a heart will naturally use special means to ensure the profitability of the platform, as for being discovered one day, it is not his problem, it is the problem of employees and criminals.

When a person is in a high position, there is not much mustard for the good and the bad, black and white.

Li Feiteng is like this, he doesn't think there is anything wrong with this, because most of the online loan veterans have increased their arrogance because the platform has no way to take them.

And usury, because there are thugs and tough means of collecting money, those who guide them to borrow money dare not pay it back, even if they are bankrupt.

and the biggest competitor of online lending, in fact, is not a peer, but a private loan shark.

Li Feiteng's platform actually has the effect of reducing illegal usury among the people.

After all, many people borrow usury, not because they can't afford to pay it back, but because they are hacked too painfully, and if they are overdue for one day, they will double the interest rate.

His platform will not be so cruel, but will set a very humane interest-free overdue week.

However, once you enter the overdue week, the credit score will start to weaken, and once the week has passed, the credit score will be emptied.

Once this is the case, it is basically difficult to refinance, because creditworthiness will be the measure of online lending platforms, including lending investors.

Li Feiteng stopped to smoke a cigarette, and he continued to think about the question of the guarantee.

A guarantee company is a property certification and notarization organization.

His platform will be very large, so if the platform itself sets up a guarantee company, the development will become extremely slow.

Of course, in this way, you can choose to borrow and invest through guò third-party cooperation guarantee.

If it is a third party, then the cost and profit are different.

He doesn't have to think too much about these, and more professional financial professionals can calculate and evaluate them, and he can formulate a more suitable interest rate.

Time passed in Li Feiteng's little bit of thinking, and that night, Gao Yuanyuan returned home with her daughter, and she smiled with her daughter after seeing Li Feiteng working at home.

The mother and daughter crept out of the study together, and then suddenly jumped out, throwing Li Feiteng's frightened body back, and the cigarette in his mouth fell on his pants.

"Forehead......" Gao Yuanyuan touched his head embarrassedly, but he didn't expect her husband to be so unfrightened.

Li Feiteng took it, he picked up the cigarette, continued to smoke it very shyly, looked at his wife and daughter calmly, and said angrily: "What, don't you go out yet, are you waiting for me to scold?"

"Let's go, don't disturb your dad's work. Gao Yuanyuan hurriedly pulled her daughter away boringly, for fear of being scolded by her husband.

After Li Feiteng finished smoking this cigarette, he refreshed his muscles and walked out of the study.

"You've both eaten?"

"Ah, Dad, you haven't eaten yet?"

"Well, I'll go to the restaurant to eat first. ”

"I'm going too. Gao Yuanyuan hurriedly got up, she turned her head and said to her daughter, "Feifei, you go upstairs to play first." ”

From the front hall of the villa, the two of them followed the corridor in the house to the back pavilion and came to the outdoor hall restaurant in the glass shed.

The meal was actually ready, and when the kitchen maid in the back saw Li Feiteng and his wife, he hurriedly asked someone to bring all the hot meals to the table.

Li Feiteng washed his hands and came over, sat at the dining table and ate quietly, while Gao Yuanyuan held his chin and looked at him quietly, without speaking.

"What, something?"

"Well, I'd like to ask you a small favor. ”

"Oh, you name it. (To be continued......)