Baiyun Investment's office is located in a high-end office building on Chijiang Road in Quang Ninh District.

The company is a subsidiary of a well-known real estate company in Nanhai City, and the online loan business is one of the smaller sub-businesses. Originally, the company had high hopes and planned to take a lead in Internet finance, but now the online loan industry has been clouded with a layer of frost.

Since May this year, more than a dozen online loan platforms such as Hongmei Technology, Jujinbao, and Easy Loan have run away one after another, with websites closed, offices empty, and investors being defrauded of hundreds of millions of funds. Among these investors, losses range from hundreds to millions.

With the "first case of online lending" being hyped by the media, there was a huge crisis of trust in the online lending platform, which naturally affected the online lending department of Baiyun Investment. Coupled with the downturn in China's economy, some loans could not be recovered, Baiyun Investment retreated from this emerging industry, and general manager Xiao Nan planned to cut this department.

Ye Zhengzhì's contact with Baiyun Investment was actually not smooth, because during his fundraising period, other companies also proposed acquisition intentions.

Sunlight poured in through the floor-to-ceiling glass windows, brightening the expansive office, and a ray of sunlight shone on the stainless steel kettle, leaving a beautiful halo on the stone table. The spout of the kettle whirred hot, and one hand lifted the kettle and poured it over the tea leaves.

It didn't take long for the fragrance of tea to rise, filling the room with the fragrance of tea.

Xiao Nan is in his forties this year, in the prime of life, with thick eyebrows and big eyes. He received Ye Zheng zhì in the office, and while making tea, he silently looked at this young man, and was a little curious about this overly young boss.

Call!

Ye Zheng picked up a cup of hot tea, blew off the heat on it, and took a small sip. shook his head lightly in his heart, I don't know if this person doesn't pay attention to him, or if he is stingy, he actually entertains him with such ordinary tea, and he is already a handsome rich man with a net worth of tens of millions.

"You want to buy our online loan platform?" Xiao Nan put down the teapot and took the lead in speaking.

"Yes." Ye Zheng put down the teacup and looked at him with a smile.

"You're already the fourth to come to the door!" Xiao Nan's eyes flashed with shrewdness.

"But I'm afraid my sincerity is the strongest!" Ye Zheng smiled shallowly, his eyes full of confidence.

In the case of several other companies, Zhang Min has already sued him, and his determination is not very great, otherwise it would not have been delayed until today and there was no bid. Although it is said that the acquisition price is only 6 million, the platform has a strict loss, which can be described as a lot of debt.

For example, recently, a Chinese company bought a defunct airport in Spain at an "ultra-low price" of 10,000 euros, but needed to bear hundreds of millions of euros in liabilities of the airport. The 10,000 euros in this acquisition are not expensive, but the problem lies in the hundreds of millions of euros in debt.

Now, everyone is interested in the fame and registered users of the September online lending platform, but they are a little shy away from those debts.

"You're losing 9 million now! The remaining funds in the account are less than 1 million, and giving you 5 million is definitely not low! Ye Zheng picked up the teacup and shook his head slowly.

"Our platform was founded relatively early and has a high reputation!" Xiao Nan said quietly.

"That's true, but you didn't put in publicity at all this year, and you cut a lot of project spending, and now the industry ranking is probably out of the top 500. Now facing the online loan turmoil, the number of active members is decreasing! Ye Zheng looked up at the other party and counted the disadvantages of the platform.

In fact, the decrease in the number of users of online lending platforms in September is related to their excessive pursuit of profits, in addition to industry factors and expense cuts. In order to snatch customers, many newly born online loan platforms give interest rates as high as 20%, so they have absorbed many users.

In September, the advantages of the pioneers of online lending platforms have passed little by little due to their retreat.

Xiao Nan took a sip of bitter tea from the tea, he didn't expect that this young man knew so much about the company's situation, which was surprising to him. And to his surprise, the young man appeared to be calm that did not match his youth.

It's just that I'm afraid he thinks too much, how can Ye Zheng not be nervous, he didn't sleep well all night yesterday because of today's negotiation.

"One price, 7 million!" Xiao Nan made a decision.

"Up to 5 million!" Ye Zheng shook his head.

"Your sincerity is insufficient!" Xiao Nan looked up at him.

"The down payment is 3 million, and the remaining 3 million is paid in three installments!" Ye Zheng was silent for a while, and proposed a price of 6 million.

"Three months?" Xiao Nan frowned slightly.

"Mr. Xiao, you don't think I can't support it for three months!" Ye Zheng smiled and looked into his eyes.

"Okay, deal!" Xiao Nan nodded immediately.

Although Baiyun Investment has had a hard time recently, it is indispensable to this 3 million, and being able to cut off this loss-making department will make Baiyun Investment's year-end statements look better and help him transfer back to the head office.

The contract was officially signed in the conference room next door, and Ye Zhengzhì became the owner of a P2P online lending company.

P2P is an abbreviation for peer-to-peer, which means person-to-person. Also known as peer-to-peer network lending, it is a private micro-lending model that gathers small amounts of funds and lends them to people in need of funds.

This form of financial credit service originated in the United Kingdom, and later developed to the United States, Germany and other countries, and Huaxia first launched an online lending platform in 2006. In the years that followed, there were very few online lending platforms in China, and few entrepreneurs set foot in them. It was not until 2010 that the online lending platform was favored by many entrepreneurs, and some testers began to appear one after another.

In essence, P2P online lending is an intermediary platform business, and P2P platforms in the United States have three major characteristics: no principal protection, relying on credit history review, and personal consumption loans. However, after the introduction of this model into Huaxia, it encountered many localization problems.

First of all, most lenders are not individuals, but companies or financial institutions. Only some well-known credit platforms will attract some high-quality customers to post their willingness to borrow on them.

Second, the main income of some platforms is not management fees, but spreads. Due to the special financial environment in Huaxia, the interest rate of P2P online lending platforms is between 10 and 20%, but the private lending market is more than 20%. It is precisely in this way that the online lending platform raises funds from the Internet, and then invests most of it in the private lending market, so as to earn the difference in interest rates.

Finally, because China's credit system is not perfect, borrowers attach great importance to the safety of funds, so in order to attract funds, online lending platforms will introduce guarantee companies to guarantee and provide investors with principal and interest protection services.

Zhang Min's work efficiency was very fast, and he took the staff into the new office location on the same day, which was located in a high-end office building on Financial Road in Quang Ninh District.

Originally, there were more than a dozen people in the online loan department in September, but only eight followed. There is one person in finance, one person in administration, one person in technology, three people in customer service, and a director in charge of platform operations, including Zhang Min, a total of eight people. As for the people from the risk control and personnel departments, none of them followed.

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