Although it was expected, Hao Yun didn't expect it to come so quickly.

The week after he sold his stake in Modern Bike to the Hiace Group, the financial world was once again in turmoil over a sudden piece of news.

That's the sudden thunderstorm of UFO bikes!

To be precise, it was not UFO's bicycle business that thundered, but UFO's credit loan business.

This bike-sharing start-up born in Yenching was very lucky to catch up with the bike-sharing boom, relying on the background of Yenching University to get 30 million yuan in the first round of financing.

Almost copied the development trajectory of modern bicycles, with this 30 million yuan of financing, UFO bicycles quickly began a counterattack in life. In just one month, the startup captured 50 percent of Yanjing's market share and expanded its business to other second-tier cities such as Tianjin.

If that's all there is to it, it won't be a big problem.

However, if it wants to steal market share from modern bikes, it will have to take a more aggressive approach to how it uses its deposits.

For example, docking private lending business.

In fact, UFO bikes aren't the only ones doing this.

For example, the vast majority of small and medium-sized bike-sharing companies such as Youtian Bicycle are trying their best to increase the return on assets of the stock deposit to attract more investors to enter the game and push this snowball forward for them.

However, with so much money piled up and squeezed into the high-risk field of small and micro loans, it is only a matter of time before something goes wrong.

Unfortunately, the thunder detonated on the UFO's body.

Due to the thunderstorm of cooperative lenders providing "financial services", more than 3 billion deposits are facing the risk of bad debts, which directly puts the thriving UFO bicycle business into the risk of breaking the capital chain.

If only that's it.

Grit your teeth, do the data, and introduce more receivers to fill the pit, maybe it will make up for the 3 billion sinkhole. After all, catalyzed by the wealth myth of Yunmeng Group, the interest of various capitals in shared bicycles has reached an almost fanatical level, and they have come up with a premium rate of two or even three times to enter the game, not caring about any risks at all.

The problem, however, is that a report published in the Financial Times has exposed the issue of UFO deposits.

Some say it was a competitor, while others say that an investor who participated in the roadshow bought the Financial Times' negative news about UFOs to suppress valuations in order to get in at a better price.

However, it doesn't matter who did it anymore.

The hammer smashed down, directly smashing the UFO boat over the boat.

The panic first spread in the financial world, and then with the reprint of the major media outlets, the news finally passed on to UFO users.

Users panicked when they heard this.

It's only a few hundred dollars, but that's money!

At the beginning, it was said that as long as you pay a high deposit, you can ride a bicycle for free, but I didn't expect that people didn't plan to make money by bicycles at all, but put their ideas on the principal paid by the small drinkers.

How can this be endured?

For a while, the application for a refund of the deposit drifted like snowflakes to the field of shared bicycles.

Not only UFOs are facing a run and trampling by users, but even other well-run bike-sharing companies are also complaining in this round of stampede.

After all, there are two of these things, and everyone is worried that something like this will happen to them.

Then there are the concerns of the supplier, and now the bike-sharing companies go to the factory to place orders, not only raising the proportion of the deposit from 10% to 30%, but also no one is willing to compromise on the time to settle the final payment.

The situation of modern bicycles is slightly better, on the one hand, the Hiace Group has just injected capital, and on the other hand, the migration of funds has led to sufficient liquid cash on the books.

However, it is undeniable that this incident still has a big impact on the business of Modern Bike. In particular, the UFO thunderstorm has attracted the attention of the China Banking Regulatory Commission, and it is rumored that relevant regulations will soon be introduced to regulate the use of deposits in the bike-sharing industry.

This bad news directly discounted the valuation of major bike-sharing companies.

After all, everyone knows in their hearts that the business of short-term bicycle rental itself is not valuable, but the huge cash flow generated by travel demand. If the China Banking Regulatory Commission (CBRC) issues a regulation that requires bike-sharing companies to deposit their deposits into a regulatory account, strictly restricting the scope of their use......

Those routines of paying more deposits and using cars for free can directly finish the calf!

The office building where the modern bike is located.

Zhang Tao has been busy these days.

Not only because of the company's relocation and WeChat's business docking, but also because the mess caused by UFOs has seriously affected the business status of Modern Bicycle.

Yesterday, the leaders of the China Banking Regulatory Commission talked to him on the phone and asked him to submit a detailed financial statement, listing the purpose of each deposit for Modern Bike.

This is good to say, after all, the business docking between Modern Bicycle and WeChat has not yet begun, and the funds withdrawn from Jiang'an Capital are now lying in the bank account and have not moved.

The only thing he is glad about now is that the time for Sea Lion Group to become a shareholder is really timely, if it is a few days late, he is afraid that the financing amount will have to be discounted if it is less.

What makes him even more fortunate is that he sold 5% of his shares to Ma Youtian before, and finally cashed out 140 million. If it is now, let alone 140 million, I am afraid that 14 million others will have to consider whether to take over.

Thinking about what has happened in the past few days, Ma Youtian's heart can't help but sigh.

Looking back, the biggest winner of this turmoil is probably only Yunmeng Group. 700 million yuan is accurately set on the top of the mountain, and all the people who laughed at them for selling at a loss at the beginning may not be able to laugh at this time.

Especially the Hiace Group.

Although it is not good to say this, every time Zhang Tao receives a call from the other party in the past few days, he feels that the other party's tone is like he is about to cry.

Just after processing the materials needed by the CBRC, Zhang Tao was about to rest for a while, when the mobile phone on the table rang again.

Seeing the caller's name, he hesitated, but finally picked up his phone and pressed the connect button.

Before I could say hello, an eager voice came from the other end of the phone.

"How long do you have before you go public?"

Zhang Tao: "......"

Why hasn't it been listed yet, and it's already planned to reduce its holdings?

"What the hell is wrong with you?"

"Anxious to use money......"

The voice on the other end of the phone was full of hoarseness, like sandpaper rubbing against the wall, Zhang Tao could probably imagine what kind of expression this Mr. Ma had on his face at the moment.

If he remembers correctly, the main profits of Youtian Bicycle come from the small and micro loan business of Youtian Network. Now the UFO bicycle has suddenly thundered, and the major bike-sharing platforms have seen a stampede and run.

Just listening to this voice, he could imagine how desperate Ma Youtian's mood was at the moment.

But understanding is understanding, and it is impossible to ask him to help. Not to mention that they are competitors, even if there is no competitor relationship, this hole is not something he can fill.

“…… I advise you to think of other ways, not to mention that the IPO of the entire bike-sharing industry is now stuck, even if the Sea Lion Group has a way to help us overtake the listing in the corner, you have to pass the lock-up period if you want to reduce your holdings in the secondary market. ”

In Xiaguo, this lock-up period generally starts at 24 months, and the lock-up period may be extended depending on the specific situation for different industries and sectors.

There was silence on the other end of the phone for a long time, and there was a soft sigh.

“…… Are you interested in the bike-sharing platform with the second largest number of users in the Midsummer region? ”

Zhang Tao's eyebrows twitched violently, and he said with a smile on his face.

"What do you think?"

Knowing that it was useless to say more, Ma Youtian hung up the phone in silence.

Zhang Tao, who was sitting at the desk, shook his head lightly and threw his phone on the table.

He didn't sympathize with the plight of his friends, he only remembered hearing a saying a long time ago that the money earned by luck in this business would sooner or later be lost back by ability.

There was no schadenfreude in his heart either.

After all, no one knows if something similar will happen to them one day in the future.

At all times, we must do a good job in risk control, these things that I couldn't learn from Lin Jun, Zhang Tao suddenly felt a little glad that he learned this lesson from others......