On November 11, 2015, the Slope Public Welfare Foundation was officially established, with an office address of Room 1601 and 1602, Zhongchu Media Building, No. 168 Zhonghu Road.

Gu Yongshan served as the first chairman of the slope public welfare foundation, Feng Qingsong served as the supervisor, and the meeting elected Gu Yongshan, Yao Yuan, Zheng Wentong and other five people as members of the council, and Yao Yuan also served as vice chairman and secretary general.

Leaders at all levels of the province, city and district attended the unveiling ceremony of the establishment of the Slope Public Welfare Foundation held in the Zhongchu Media Building.

The leaders of the relevant departments of the province made instructive speeches, Gu Yongshan and Feng Qingsong finally made concluding speeches, everyone took a group photo together, and the people who participated in the unveiling ceremony today had a commemorative gift.

Feng Qingsong said goodbye to leaders at all levels, turned his head and joked with Zheng Wentong, "In the past two days, President Hu has complained a lot about you, saying that the University of Finance and Economics has finally produced an outstanding alumnus, and he did not return to his alma mater to set up a scholarship, but took the lead in setting up a slope public welfare foundation. ”

"Dean Feng, after all, our University of Finance and Economics is also 211, and we are striving to become a double first-class university, and the establishment of scholarships and grants is relatively complete, basically covering most students."

"Our Internet companies pay attention to user big data, in fact, I suggest that our University of Finance and Economics can check the dining situation of students in the canteen through the computer, and screen out those students who eat more than 60 meals in the canteen every month, and the total consumption does not exceed 420 yuan."

"We list them as subsidized objects, without review or publicity, and directly send the subsidy to the meal card of poor students. The subsidy is 1,000 yuan a semester, you see that it is inconvenient for the school to let the graduated brothers and sisters take the lead, so I will join here. ”

Feng Qingsong likes Zheng Wentong's idea of doing good deeds without seeking fame, "This idea is good, it can not only help the real poor students, but also retain their dignity and reduce their worries to complete their studies in Caidali." ”

Meng Qian was a little worried, "Will there be some students from good families who deliberately eat in the cafeteria in order to get subsidies?" ”

Zheng Wentong smiled, "60 meals, 420 yuan, the consumption of each meal does not exceed 7 yuan, at most a small meat and a bowl of rice in the cafeteria, can a really rich student endure this bitterness?" ”

"If someone really eats coarse tea and rice in the canteen for a month in order to get 1,000 yuan for rice supplement, then he may really lack money, and he can help him, so why not?"

Feng Qingsong praised it very much, "But do good deeds, don't ask about the future, Wen Tong's mentality is very good, no wonder he created a huge family business at a young age." ”

"Meng Qian is an outstanding graduate representative of our law school, and she entered Yenjing Infront Law Firm as an intern in her senior year, and her lawyers' brothers and sisters also praise her."

"Later, I was a little surprised when I heard that I quit my job to take the civil service exam, and I actually gave up after taking the exam. Later Slope Capital—"

Zheng Wentong hurriedly corrected, "Dean Feng, now our company has changed its name, slope investment. ”

"I'm sorry, but I have paid attention to several foreign investments in slope investment, and your company's investment in the Internet and film and television industries is not small."

"The last time I went to the city for a meeting, the leaders of Zhonghu High-tech District asked me, saying that there are also many excellent Internet start-ups in Xingu Software Park, and I asked the school to help contact you and invite you to come over for inspection, and everyone wants you to be a fortune boy." Feng Qingsong joked.

"We have more than one million college students in Jiangchu City, and many students started their own businesses while they were in school, and we are also preparing to set up a 100 million venture capital fund in Jiangchu to focus on venture capital."

"We will evaluate the projects submitted by the students, and divide them into three tranches, providing 50,000, 200,000 and 500,000 project start-up funds respectively, and we also look forward to incubating one or two high-quality entrepreneurial projects."

"Of course, we don't just give money, we will follow up the entrepreneurial projects we participate in the whole process, they have ideas, creativity, teamwork, charge ahead, we have funds, we can provide logistics, ensure the smooth progress of the project, everyone does what they are good at."

Feng Qingsong thoughtfully, "Your idea is very good, this kind of venture capital fund must be implemented, the early investment projects are rather less, rather lack of mothers, first do the word-of-mouth, establish a few models, and it will be much easier to promote it in the later stage." ”

"President Hu will definitely support it strongly, and our University Student Entrepreneurship Association can help slope investment share part of the work, and the employment situation in recent years is not optimistic."

"Now it is mainly difficult for small and micro enterprises to obtain financing, and the reason why Internet finance has developed so rapidly in the past two years is mainly because small loan companies and online lending platforms have targeted those small and micro merchants who cannot borrow money in the bank."

"However, the Internet finance industry is growing savagely, but the supervision has not kept up, and some provinces cannot approve two licenses a year, and some provinces approve more than a dozen at once."

"The upper limit of the 24% borrowing interest rate is also inconsistent in various places, some places think that borrowing 10, the annual interest does not exceed 24,000, and some places advocate that it depends on the repayment method, if it is equal principal and interest repayment, the annual interest should not exceed 13,472 yuan."

"Even some online loan platforms borrow 100,000 yuan, with an annual interest of nearly 36,000 yuan, and they claim that the annualized interest rate does not exceed 36%, but if the repayment is made according to the equal principal and interest, the actual annual interest rate is 60%."

Feng Qingsong, as a doctor of law, is well aware of judicial terms, "The previous judicial interpretation stipulated that the annual rate of private lending was capped at 24%, because private lending is usually interest first and principal later, so it is generally defaulted to borrowing 10,000 yuan, and the upper limit of annual interest is not more than 2,400."

"Later, considering the actual situation, if the two parties reach an agreement to negotiate and borrow 10,000, the upper limit of the annual interest rate will not exceed 3,600, and the part that exceeds the annual interest rate of 24% will not be protected by the judiciary."

In layman's terms, if any borrowing platform lends you 100,000 yuan, and you repay the loan for one year, the interest cannot exceed 24,000 at most.

The part of the interest in excess of 24,000 can be repaid without having to be repaid, because the interest on this part of the debt is not protected by law.

Ironically, however, the most affected groups by online lending are often low-age, low-income and low-educated groups.

They don't know how to calculate the true interest rate on borrowing, they just feel like it's expensive, and then they have to borrow again.

"There are quite a lot of such small loan companies in Puhai, and I have heard a real case before, when a rural woman plucked up the courage to go to the loan company to borrow 3,000 yuan so that she could continue to provide for her children's education."

"In the end, she couldn't receive the verification code on her mobile phone, and finally she couldn't make the payment, so she left disappointed, and the salesman of the loan company laughed at the rural woman unscrupulously."

"The hemp rope is broken in detail, and bad luck only looks for the miserable." Feng Qingsong's expression was heavy and he sighed.

Zheng Wentong chatted with Feng Qingsong about the common routines of loan companies, such as the inconsistency between the contract amount and the loan amount.

The borrowing platform calculates the loan service fee and premium separately to circumvent the 24% upper limit on the borrowing interest rate, charge high liquidated damages for early repayment, and obtain users' address book information in violation of regulations.

Feng Qingsong was more and more surprised when he heard this, Zheng Wentong knew a lot about the operation process of the small loan and online loan industry, as if he had been immersed in the Internet industry for several years, and bluntly judged that the P2P financial management platform might be at risk of explosion.

If he sorted out today's conversation, he could write several high-quality papers.

From a judicial perspective, he can discuss with domestic legal experts how to avoid and resolve potential risks in the Internet finance industry.

He couldn't help but be happy, "We teachers and students can collaborate to write several papers on Internet finance. ”

Zheng Wentong shook his head and hurriedly refused, "My behavior is to cut off people's money, so there is no need to be in the limelight." ”

Feng Qingsong nodded at Zheng Wentong, "You, you, you are really a little slippery, let others do the things of the charge, and watch the excitement behind your back." ”

Zheng Wentong denied, "The main reason is that I am soft-spoken, and I can't reach the sky, you are a big tree, and a few clowns who jump off the beam can't help you." ”

"I suggest that this kind of professional article may be posted in the internal reference first, in fact, there are already many doubts about small loan companies and online loan companies on the market, but they have not attracted enough attention."

"Some places even shape this kind of online loan company into a star enterprise, provide them with endorsement, and hope to create a listed company."

"The Internet finance industry needs to carry out top-level design from top to bottom, and things can be divided into step by step, such as explicitly prohibiting yin and yang contracts, not allowing service fees and premiums to be included in the contract amount, ensuring that the borrowing amount of borrowers is consistent with the loan amount, and strictly prohibiting violent collection."

"After the unification of industry standards, then good money will naturally eliminate bad money, two platforms, the same loan of 100,000, repaid in 12 installments, who will choose the platform with low interest."

"It's like a user going to a bank to deposit money, as long as the interest rate is not high, everyone will definitely be willing to deposit money to a rural commercial bank with a higher interest rate."

Feng Qingsong is a Yangjiang scholar who enjoys expert allowance and is also the executive director of the Huaxia Law Society. Person. Big. Consultant, he writes articles that are also frequently published in internal references.

Feng Qingsong realized, "I'm afraid you kid has been eyeing me for a long time, right?" It's strange for me to say, you obviously belong to the School of Information and Security Engineering, but you invited me, the dean of the law school, to serve as a supervisor of the Slope Public Welfare Foundation, and my salary doesn't seem to be easy to get. ”

Zheng Wentong smiled sincerely, "Dean Feng, you misunderstood me, although I haven't taught you a class, but you taught me after all." ”

Feng Qingsong was a little skeptical, "Really? Why am I not impressed? ”

"You are a noble person who forgets things, I am a freshman in the class of 09, and in my sophomore year, I represented the school in the Beihu Five School Debate Tournament, and you also tutored us as a leading teacher."

Feng Qingsong recalled now, "I said that I saw that you are a little familiar, so it turns out that this is the case." You deliberately didn't mention it, did you want to test the teacher's memory? ”

"How dare I, I have respect for every teacher at the University of Finance and Economics, and I am going to recruit a group of fresh graduates in the computer major to join Weke Information Technology when I come back this time."

Feng Qingsong said to Meng Qian with a smile, "You Mr. Zheng are indeed a little slippery, when you hire people, you think of our law school, and when you recruit people, you only think about computer science." ”