Zhou Yang took the case and scolded angrily: "Yan Wenlong! Don't talk nonsense! Between me and Liang Xinjie, it is a pure business philosophy disagreement, if you spread rumors and destroy my reputation, I will let you not eat and go around! ”

Seeing Zhou Yang's angry appearance, Yan Wenlong felt a little enjoyable. Pen | fun | pavilion www. ｂｉｑｕｇｅ。 info But Zhou Yang's intimidation again and again made Yan Wenlong annoyed, and he no longer wanted to endure his temper.

"I'm not a rumor, there is indeed a model named Evan, charming and moving, with a hot body, who is a stunner that Mr. Zhou has repeatedly admired. You are fascinated by the fans of Evan, and you have no intention of working, and you are desperately pursuing it. These are the facts! ”

"In order to get Evan, Mr. Zhou, you sent a car, a house, a bag, took Ewen out to travel and shop, and sold a lot of shares of Trinity Company for your expenses. You don't even hesitate to divorce your wife. ”

"It's just that at the last minute, the other party rejected your marriage proposal and broke up with you, and your relationship gradually cooled."

Yan Wenlong knew this because when he increased his capital and shares, he wrote down the name and ID card of each shareholder. For Tian Xiaofeng and Zhou Yang of their own line, they did some additional background checks, but they accidentally discovered Zhou Yang's peachy privacy.

"Evan then refused to see you, which made you miserable and depressed."

Yan Wenlong continued: "But what makes you even more painful is to find out that Evan is lying to you. The so-called stunner has been stepping on two boats. After breaking up with you, she soon moved to the villa that Mr. Liang bought for her and became Mr. Liang's canary. ”

When Zhou Yang heard this, he gritted his teeth and clenched his fists. His scar was lifted by Yan Wenlong, and it was very painful. The sadness of those days by Ivan and the anger against Liang Xinjie came back to his heart, making him almost unable to control himself.

Zhou Yang's chest rose and fell, and his eyes widened with anger. He didn't want to face this matter, but he didn't expect to be exposed by Yan Wenlong in person. I originally planned to suppress this guy well, but who would have thought that he would be bitten back fiercely by Yan Wenlong's poisonous snake.

Zhou Yang was annoyed and angry, slapped the table, put his head close to Yan Wenlong, and said, "Yan Wenlong! You shut up! ”

"These are all personal privacy, if you dare to say it, I promise that you won't be able to eat and walk around, and Liang Xinjie won't be able to protect you!"

"Yan Wenlong, now, you get out of here immediately! Hmph, remember your goal, if you can't achieve it in half a year, I will definitely take you under the knife! ”

After speaking, Zhou Yang walked to the door, opened the office door, left the office alone, and then slammed the door shut.

For the next three days, Yan Wenlong has been in a struggle. He doesn't like to be forced to do one thing very much, especially Zhou Yang's use of orders and intimidation to make him complete the goal of 1 million young users in half a year, and his heart is full of resistance to this.

But on the other hand, he himself would love to try it. After all, he is now more and more deeply tied to Trinity, and Trinity's problems are also problems that he must solve.

Although the young customer base has grown rapidly in the past three months, there are so many young white-collar workers, and the competition among them is so fierce, he can already see the days of sluggish growth and bottlenecks for the company in the future.

Yan Wenlong thought about it, and finally decided to face the difficulties. On the one hand, he wants to use this goal to motivate himself and reach his full potential. On the other hand, he hopes that by achieving his goal, he can gag Zhou Yang's mouth, and also allow himself to increase his influence again, so as to strengthen his control over this company.

After making this decision, Yan Wenlong spent a lot of time studying the cases of foreign credit card institutions, studying the young customer acquisition plans of other industries, and studying various research reports on the new and new human beings of the post-90s and post-95s to understand their characteristics.

He shut himself up in his office and stayed there for a day. During this time, he not only reads the above-mentioned business materials, but also enters the virtual world, exchanging his fighting spirit for those shelves of financial operations, customer development, and business models, and learning.

After a week of retreat, Yan Wenlong came up with a plan and submitted it to Zhou Yang and Liang Xinjie.

Zhou Yang did not say anything, a noncommittal attitude. Liang Xinjie discussed with Yan Wenlong, revised some details, and then confidently told Yan Wenlong that it could be implemented.

On February 9, before the Spring Festival holiday, Yan Wenlong launched his colorful installment products, which is a campus installment product for college students, the main carrier is an installment online shopping website, providing college students with mobile phones and other electronic products, using credit cards as the carrier, using installment payment to obtain college students.

The reason for doing campus installment business is mainly for the sake of customer group training. Among the 18-25-year-old crowd, among which the 22-25-year-old white-collar workers have been carved up, only college students can make a fuss. There are more than 7 million new college students and more than 25 million students in the country every year, which is a huge group of people and a blue ocean market.

In addition to the consideration of the number of people, there is also the consideration of the overall layout. College students will soon graduate and leave school to go to work, and the first credit card they use, the financial brand that builds a relationship of trust, will solidify into their spending habits, and it will be with them for the rest of their lives. In doing so, we are actually cultivating future customers for Trinity.

In addition, college students are highly active, receptive to new things, and have a strong demand for electronic products. Yan Wenlong found many times that the small shops selling mobile phones around the school have been doing mobile phone installments, but the funds are not enough, so the shopkeeper has opened a few more credit cards, first swiped the card to buy the machine, and after the student repays the loan every month, the shopkeeper will go to the bank to repay it. This also means that the market for campus staging has risen, and there is no longer a need to cultivate and pioneer.

In terms of risk control, because college students are relatively healthy and simple, and their living radius is relatively fixed, they can be collected through interpersonal pressure. As current students, their identity is guaranteed to a certain extent, and they can't run before graduation. If you can't repay the loan in the end, you can also find the parents of these students, and you can collect the rest of the money.

After the launch of the program, even during the Chinese New Year, Yan Wenlong was not idle, and the personnel of the technical department, product department, and marketing department kept meeting, and finally on February 15, the "colorful installment" installment website was grandly launched.

In Mr. Yan's plan, the site would be monetized primarily through mobile phone sales and installment fees. Yan Wenlong has calculated that each school sells a mobile phone for 3,000 yuan a day, and 2,000 universities across the country can have a transaction volume of 6 million yuan a day, with a gross profit of 5% for e-commerce and 10% for finance, and a mobile phone has a gross profit of 450 yuan. Although it is not as profitable as the related products of white-collar workers and small business owners, it can also guarantee profits and not make money at a loss.

At the same time, Yan Wenlong was also busy establishing a complete set of campus staging operation system.

The first is to establish a campus push force. In this team, according to the jurisdictional area, regional managers, provincial managers, prefecture-level city managers, and ordinary BD personnel have been set up. Campus agents are usually one or two colleges and universities, and campus agents can develop "signers" below, part-time personnel responsible for distributing leaflets and attracting new users, with no limit on the number and no guaranteed salary.

The second is to establish the transaction process. Students register online, place an order, submit ID number, mobile phone number and other information, and apply for an interview quota; The campus agent contacts the user, verifies the student ID, ID card, screenshot of the student information network, parents' contact information and other information, and submits it to Trinity for review; After the review is passed, the customer service department staff places an order online, fills in the student's delivery address, and the merchant directly delivers the goods to the student.

In order to reduce the risk, Yan Wenlong asked the campus agent to be more cautious at the interview review site. For risky orders, the student's call history will also be checked, and the student will be asked to call the parent's phone number on the spot to chat about some other topics and prove to be a real contact. The Trinity headquarters will also call the parents of students to verify the situation for some suspicious applications.

Finally, two main collection methods were established. The first is to call students frequently and ask them to repay the loan as soon as possible, otherwise they will be prosecuted. Most students choose to repay the loan as soon as possible after being stressed by the reminder. The second is to carry out on-site dunning. Because students are more concentrated and have a fixed residence, the collector will go to the school to find the person and solve the problem of malicious breach of contract.

For students who fail to work in bad faith with the above two methods, Trinity will also introduce a dedicated team of lawyers to actually sue the students and exert pressure to ensure early repayment.

Behind Yan Wenlong's series of vigorous combination punches, there is also a surging battle within Trinity.

Zhou Yang first fiercely opposed this model. He told Yan Wenlong that using college students as a new customer group for the company was "a mistake within a mistake!" ”

Zhou Yang said that college students are a group of people with no income, and they can only rely on their parents to repay the money, and this kind of installment product is very unauthentic. There are also some students who have no intention of paying back the money from the beginning, and although such a group has potential, they cannot be used as a target group.

For this reason, Yan Wenlong found Zhou Yang and explained for a long time, saying that he had carried out all-round risk control, and would not provide this product to all students, and the overall risk was controllable.

But Zhou Yang did not agree with Yan Wenlong's explanation, he told Yan Wenlong that the student population has its particularity, no matter how strict the risk control is, the screened customers are still high-risk customers, and the bad debt rate in the future will be amazingly high, which is a risky move. Innovation should be limited innovation, and the basic survival laws of the financial industry should not be joked.

The argument between Yan Wenlong and Zhou Yang continued for several rounds, and it was not until Liang Xinming met that the argument was ended and the project moved forward.

Soon after, Zhou Yang once again played his role as a-stirring stick.

When it came to the signing of the material procurement of the local push, Zhou Yang vetoed it on the grounds that it had not been budgeted.

In terms of product procurement for installment websites, he also vetoed Yan Wenlong's proposal, insisting on finding a lower-priced mobile phone distributor instead of the e-commerce giant Jingxi that Yan Wenlong had negotiated before.

In terms of building the local push team, Zhou Yang refused Yan Wenlong to transfer some sales personnel from within the company to join the project. As a result, Yan Wenlong had to work with the human resources department to travel in many cities in a row, and it took two weeks to initially build up the push force.

When it comes to the website optimization of colorful installments, Zhou Yang greeted the technical department, pressed the demand for website optimization, and gave priority to the upgrade of the existing sales system. Similarly, during the scorecard development process of the risk department, he also asked the risk department to prioritize the scorecard development task of the sales department for young blue-collar customers, and ignore Yan Wenlong's project.

In the face of Zhou Yang's difficulties, Yan Wenlong found Liang Xinjie again, moved out of the god of the boss, and helped himself.

Liang Xinjie then sent an email to highly praise the "Colorful Installment" project. He believes that the risk control measures of this project have been well considered, and this project will have good prospects and is of great significance to the company. He asked all departments to pay attention to it, ensure resource investment, and get the project online as soon as possible.

At the same time, he told all departments that all the signatures, employment, activities, expenses and other aspects of the project can be directly signed by him, and the president is the "green channel" of the project.