On November 28, Yan Wenlong looked at the latest report and felt the data and reactions from all sides, and the dark clouds that had been suppressed in his heart for a long time finally disappeared. Pen? Interesting? Pavilion wWw. ｂiquge。 ｉｎfo

In this report for the first four weeks of November, the data shows that the colorful installment business has come out of the trough and has become a new business with rapid growth. On the installment website, the total number of orders increased by 20% every week, with a maximum of 300,000 daily orders, an average of 240,000 orders processed per day, and an average daily transaction amount of more than 150 million yuan, of which more than 95% of the orders were automatically reviewed.

The total number of registered users on the installment website has exceeded 11 million, of which 6 million are active users. More than 150,000 new job orders are generated every day on the campus service platform, and more than 17 million part-time job opportunities have been provided for more than 2,000 colleges and universities since it was launched more than four months ago.

Compared with the previous moral depression condemned by the whole people, the current colorful installment business has won praise from many parties because of the docking mechanism of students' part-time jobs and the control of the overdraft consumption amount of students in the early stage.

Many college students said that the colorful installment gives them more opportunities to work part-time, and at the same time make money part-time, they have the opportunity to buy their favorite products and services, which fulfills their wishes, enriches campus life, and gains a lot.

Some counselors also said that such a product is good and has found a right path for development. The phenomenon of students who they were worried about comparing themselves at will has not expanded. Because of the whitelist system, most students cannot get their hands on high-priced products that are far beyond their ability. The opportunities provided by the service platform are not only part-time jobs, but also many employment opportunities and even entrepreneurial opportunities, so that many students can participate in business operations, and their social experience and personal abilities have been improved.

The reaction of peers is much more sour than it is. Those competitors who quit early were full of surprise, and they didn't expect that Trinity would start the campus installment business that seemed to have no way out, and it was still booming, which was not simple. If they had persevered, given up earlier, and adjusted the model according to Trinity's pace, they might have been able to seize the opportunity to share the campus market.

There are also some competitors who are full of malice, believing that the colorful staging will definitely not last long, and the loopholes in the model have not yet been revealed, and they will definitely be planted in the future.

After the rise of this new business, industry giants such as Leapfrog, Guangyuan and Youka finally began to really pay attention to Libang. Their intelligence services all believe that Trinity's series of reform measures have been quick and effective, giving Trinity wings to take off and completely reversing the previous tepid state.

They believe that Trinity has shown good action, rapid error correction ability, and high sensitivity to the market in the commission reform, viral marketing and colorful installment moves. Trinity will be a dark horse in the credit card industry, the most important player in the future disruption, and the biggest potential competitor of the three giants.

Yan Wenlong took this report and looked at it beautifully, walking while reading, and happily greeting people from time to time on the way. He took the elevator to the 16th floor and entered the company's VIP conference room.

On the way, he passed by a man. Yan Wenlong felt that the other party was a little familiar, took a closer look, and found that this person was the enemy who had fought with him, Bai Shaoying's suitor, Zhang Shuo.

Zhang Shuo didn't see Yan Wenlong, he was talking on the phone with his mobile phone, looking a little nervous. He said into the phone, "Uh-huh! It's a very good time for me to keep an eye on me these days. Yes, in case there is any trouble, notify me as soon as possible, and if necessary, you can make it yourself and make a margin call. ”

Zhang Shuo hung up the phone, pushed open the door of the conference room, and sat down on a leather office chair in the middle. He glanced at the conference room and saw that there were already more than a dozen people seated, each with different expressions, most of them a little nervous. He silently counted the number of people and found that all the people had arrived, so he glanced at Zhou Yang beside him.

Zhou Yang coughed dryly and said, "Everyone is here, okay, let's start today's board of directors now." ”

"There is only one agenda for today's meeting, which is the proposal on your table: "Proposal on Requesting the Board of Directors to Remove Yan Wenlong from His Position and Hold Liang Xinjie Accountable."

He picked up a piece of paper and said, "Look at this piece of paper at hand, it has a lot of information attached to it. You can read it carefully, and I will explain it at the same time. ”

"Dear directors and shareholders, our company has fallen into a state of poor performance in the past six months, with risk indicators rising and profits gradually declining, shrinking by nearly 80% compared with last year. The reason for such a passive situation is mainly due to the strong push of Yan Wenlong and the support of Liang Xinjie, the company has implemented a high-risk campus installment business. ”

"In my 17 years in the credit card industry, I have discussed and planned seven or eight times about college students, and each time I rejected it because of the high risk of this customer group, and finally I didn't dare to get involved in this market. However, the senior management of Trinity, despite my objections, has vigorously launched the campus installment business since February, investing people and money in investment sources without any restraint, resulting in huge losses in the company's business. ”

"So far, Trinity has invested more than 24 million yuan in the colorful installment business, used a large amount of credit funds, accumulated more than 1.1 billion yuan, and the loss caused by bad debts has reached as much as 17 million."

In addition to the loss, Liang Xinjie turned the company's decision-making mechanism into his own word. Together with Yan Wenlong, he suppressed dissenting opinions, cracked down on the four middle-level cadres of the company who proposed persuasion, and transferred the four to their posts. They also undermined the company's hierarchical reporting system, established a green channel for signing off colorful phased projects, disrupted the normal management procedures of the sales line, and also caused problems for the work of other business lines. ”

"The losses are clear, the numbers are pessimistic, morale is low, and the company is chaotic. As one of the founders of the company, I am very sad about the difficulties that the company has encountered and the damage to the interests of shareholders. I believe that this must be stopped immediately, and those primarily responsible should be held accountable. ”

Zhou Yang finally increased his voice and said word by word: "Therefore, I propose that the board of directors should make a resolution to immediately stop the colorful staging project, remove Yan Wenlong, the main responsible person, and at the same time, remove Liang Xinjie from the position of president and order him to retreat. ”

In the conference room, there was an uproar.

On the board of directors, in addition to the directors who are present and have the right to vote, there are also a number of minority shareholders who are present. They were all greeted by Zhou Yang, and they vaguely knew a little about the direction of the meeting, but they didn't know today's topic until they participated in the meeting. And when Zhou Yang's motion to ask the white-faced Liang Xinjie and Yan Wenlong was proposed, everyone was even more discussed.

"I didn't expect to discuss this important issue today, it's a personal earthquake!"

"Yes! However, what Mr. Zhou said is also reasonable, the company's business is not doing well, and someone must indeed take responsibility! ”

"Yan Wenlong, this guy is too sharp, and he even sells his reputation! Mr. Liang is also, in order to support this kid, he did not hesitate to offend the old people of the company. I think the two of them can really leave! ”

"Yes! We must act as soon as possible, otherwise we will just toss the profits this year, and we may lose money next year, and we will go bankrupt and go bankrupt the year after tomorrow! ”

"Forget it! Let's not talk about these things first, Yan Wenlong is going to speak, listen to what he has to say. ”

Yan Wenlong took the microphone, coughed, and said, "Ladies and gentlemen, I have something to say about this proposal. In my opinion, this proposal is not well-founded, does not correspond to the facts, and completely ignores the achievements of the colorful installment business. ”

"In the materials sent by Mr. Zhou to you, a lot of data are listed. These data are real, but they are also outdated, from last month's data. ”

"I'm here with the latest financial data, as of November 28. In this data, our colorful installment business has begun to turn losses into profits, and the total profit of the project has come to 860,000 yuan! ”

"According to the data of the Ministry of Finance, the current overdue rate of colorful installment business is 3%-4%, and the bad debt rate is less than 1%, which is 0.84%, and both indicators have fallen sharply and are at a healthy level."

"The overall annualized interest rate of Colorful Installment is 13%-15%, which is lower than the annualized interest rate of credit cards. Therefore, the product is also very popular, with more than 240,000 daily orders and a daily contribution fee income of 150,000 yuan. ”

"According to the forecast of the Ministry of Finance, according to the current indicators and development speed of colorful installments, the profits of this business will grow rapidly. It is expected that by the end of December, the entire colorful installment business will contribute 2 million yuan of profit to the company. Coupled with the profits of traditional business, the total profit of Trinity this year is very likely to exceed 20 million yuan! ”

As soon as Yan Wenlong's words fell, the discussion in the venue became more enthusiastic. Zhang Shuo looked at Zhou Yang with an angry face. Zhou Yang, on the other hand, turned pale and kept shaking his head.

He took the report in Yan Wenlong's hand, moved it horizontally with his fingers line by line, looked at the data, read it silently, and sweat gradually broke out on his head.

Yan Wenlong continued: "Since November, our data has been extremely good, and it is no longer synonymous with high risk and loss. Not only that, but we are also highly evaluated by all walks of life, whether it is the parties, schools, peers or financial media, praise is far more than doubt. ”

"What's even more commendable is that after 9 months of hard work, after continuous trial and adjustment, our team finally found a set of original business model for campus staging. This model is unique in the industry, ahead of many competitors, and further strengthens and expands our advantage in the university market. ”

Yan Wenlong smiled and asked Zhou Yang: "Mr. Zhou, Colorful Installment is an excellent new business that is profitable, famous, and able to card the future, how can I be impeached with Mr. Liang because this business is doing well?" This logic doesn't seem to work, does it? ”

Zhou Yang was counterattacked by Yan Wenlong for a while, and he was a little flustered. But soon, he steadied himself and his expression gradually calmed down. He glanced at the small and medium-sized shareholders and directors attending the meeting, and felt a little relieved.

Zhou Yang has already greeted these small and medium-sized shareholders one by one, and recounted the neglect and suppression they have suffered in the past few days, which has stimulated the hatred of these people. He knew before the meeting that his winning rate in today's battle was above 70%.

Although the situation is now disrupted by Yan Wenlong's report, Zhou Yang still believes that what everyone wants is just a reason, whether it is sufficient or not, it is enough to detonate the bomb and kill Yan Wenlong and Liang Xinjie.

"This report is still an internal report, and it has not been officially announced, and the data in it is not desirable!" Zhou Yang was dismissive and said: "Who knows how many data errors or how many falsifications are in this report?" ”

At this time, Ren Huajun, a member of the board of directors and the company's chief financial officer, jumped out. He said loudly: "Mr. Zhou, don't talk nonsense!" Our finance department has always been rigorous, and the statements we come up with must be audited, and there will be no mistakes, let alone fraud! If you slander the Finance Department again, I'm not done with you! ”