Feng Qingsong's article "Be Vigilant Against Internet Financial Scams, There Can Be No Regulatory Vacuum in the Online Loan Industry" published in the internal reference attracted the attention of the high-level level, and Feng Qingsong was also invited to the West Courtyard to give a lesson to the leaders.

On December 11, multiple departments jointly issued the "Guiding Opinions on Promoting the Healthy Development of Internet Finance".

According to the guidance, on December 14, all over the silver. Supervise. Bureau, Kim. Melt. The Internet Finance Association issued the Notice on Strictly Prohibiting Illegal Lending Financial Activities such as "Routine Loans" and "Yin-Yang Contracts".

The main contents of the notice are as follows:

Platforms and institutions that do not have specific borrowing qualifications should immediately stop illegal lending;

Financial institutions holding licenses for microcredit companies, online loan companies, and consumer finance companies shall legally conduct business in strict accordance with laws and regulations, and the actual comprehensive annualized interest rate shall not exceed 24%; No additional fees shall be charged outside the contract;

"Bank contracts", "blank contracts" and "false contracts" shall not be signed, the original loan contract must be given to the borrower, and the online lending platform must provide an electronic version of the loan contract for the borrower to download.

It is not allowed to create the false impression that the entire loan amount has been paid to the borrower by creating bank account flows, and it is not allowed to turn unreasonable high interest rates and penalty interest into new loan principals through the creation of bank statements and the signing of serial loan contracts.

The borrower shall not deliberately cause the borrower to be overdue due to reasons and methods such as not replying to text messages, not answering phone calls, and not being financially available, and shall not use unfairly high liquidated damages and penalty interest as the main way to make profits.

The borrower's vehicle or house must not be illegally sold or disposed of, or the borrower's property shall not be embezzled through means such as vehicle mortgages, pledges, or online housing signatures.

Violent or soft violence must not be used to collect money by means of verbal abuse, intimidation, destruction of personal reputation, restriction of personal freedom, or so forth.

As soon as the notice came out, the small loan company was in a bad mood, the borrower was happy, and Hou Hongbo of China Transcription couldn't help but complain to Zheng Wentong, and now the industry requirement is self-correction and self-examination, and the rectification must be completed within 180 days, and if it does not meet the norms, it will revoke the small loan license of China Transcription.

Zheng Wentong asked Zheng Anguo to pay attention to the actions of the Chinese transcription, and went to the Chinese transcription for more meetings, and told Zheng Anguo to be a man with his tail between his legs during this time, and not to cause trouble for him.

His butterfly has begun to slowly flap its wings, hoping to change the chaotic and chicken feather ending of the Internet finance industry.

The borrowing platform of the Internet company borrows, gold bars, money and several leading consumer finance companies are in favor of this.

Although their interest rates are higher than those of banks, they are lower than those of microfinance companies and online loan companies in the market, which is just enough to increase their market share and benefit those small and micro enterprises, self-employed people and ordinary consumers who cannot borrow money from banks.

Girlfriend Bai Xiaolu has begun to shoot Bulgari's advertisement, the advertiser is Puhai Ziyi Advertising Co., Ltd., which has previously cooperated, which is responsible for the production of Bai Xiaolu's endorsement of Bulgari's outdoor print advertisement, in January next year, Bai Xiaolu's offline advertising will appear on the exterior wall of Puhai City Square.

After filming the advertisement, Bai Xiaolu returned home and didn't forget to care about her boyfriend's career, "Husband, why hasn't your Weitoutiao creator conference been held yet?" ”

"There are other things to be busy in the past two days, and we also have to invite creative experts in various fields of Weitoutiao to the scene, coordinate the time, and invite other investors, because after the creator conference, Weke Xinke will start Series A financing." Zheng Wentong rubbed his temples gently.

Bai Xiaolu sat behind her boyfriend and helped him with a head massage, "I'm so tired these days?" If you are tired, you can do a spa in the community club to relieve fatigue. ”

"Forget it, every time I go to the club, I always meet a few familiar faces, I want to talk to you about cooperation, I used to relax, not to make friends in the past."

"Last time, Huang Bo and Wang Xun came to Puhai to record "Extreme Challenge", he said that he was not popular before, and everyone in the crew was cautious, and when he became famous, the crew was full of good people, and there were smiling faces all around."

Bai Xiaolu deeply agreed, "I used to be an online store model, and there were a lot of intrigues, but I was in harmony when I joined the crew of "Ode to Joy". ”

"That's not good, hypocrites are more terrible than real villains, maybe she is still smiling at you today, and she will sell your news to others when she turns around."

Zheng Wentong originally wanted to talk to his girlfriend about why Ju Meiren happened to go to the garden above to take a photo, but he thought about it and gave up. There is no need to let Xiaolu come into contact with the darkness of society too early, let her heart turn to the light, as long as she is not stupid and sweet.

Bai Xiaolu helped her boyfriend rub her head for a while, and looked at her boyfriend's ears, "You lie on my lap, and I'll pick out your ears." ”

Zheng Wentong lay on his girlfriend's lap sideways, closed his eyes comfortably, the couple was chatting with each other, the two kittens Ruby and Sister were playing in the living room, and the winter sun shone into the living room, feeling particularly warm.

"By the way, when I came back just now, I met Zheng Anguo, with Yu Qiao." The white fawn took a sip.

"Yes, I asked him to talk about Transcription Business, and Rongxin Industrial Fund, the major shareholder of Transcription, is ready to transfer the equity of Transcription, and I asked Anguo to prepare to take over."

"Isn't the issuance of the "Guiding Opinions" and "Notice" in the Internet finance industry bad news for microfinance companies? Everyone else is in a hurry, why should the transcription business take over? Bai Xiaolu asked her boyfriend.

"People abandon me to take, people take me with, the mainland property market has risen sharply, Li Chaoren has run away, the US stock market has reached a new low, and Buffett has bottomed out. My dad made his fortune as a pawn shop, and the private lending industry has a history of thousands of years, and it is impossible to ban it at all. ”

"I'm actually very disgusted with the so-called innovation in the Internet finance industry, what finance + technology, like banks, is not a pawnshop thinking of low income and high sales."

"Now we start to pay attention to big data, and then emphasize good credit records and various credit scores, but credit information can't become a basket, and you want to put everything in it."

Small kiosk

"Some people even want to shut down the phone bill, water and electricity arrears, and unpaid blood donation into the credit system. Zheng Wentong felt a headache.

Bai Xiaolu was curious, "Didn't Zheng Anguo and Yu Qiao have an affair before?" Why don't you change Yu Qiao's position? ”

"I reminded Zheng Anguo before that the two of them can only be regarded as having a good impression of each other at most, and if Yu Qiao is transferred from the transcription business, it will confirm the office romance between the two."

"Unless Yu Qiao resigns from the company and completely breaks away from the slope system. Believe it or not, if I transfer Yu Qiao to another branch, the first gossip in the office is that she seduces someone else's husband and wants to be a junior. Zheng Wentong explained.

"What if your employees are exposed to negative news like cheating?" Bai Xiaolu asked her boyfriend.

"Cheating is immoral, but it is not illegal, if ordinary employees can handle housework well and do not affect their work, according to the company's regulations, they will be transferred to another job, and their rank and salary will be lowered by two levels, and they will not participate in the selection of the current year, and the year-end bonus will be halved."

"If it involves pornography, gambling, drugs, or even illegal crimes, then the labor contract will definitely be terminated, and if the company's reputation is damaged, civil compensation will also be pursued, after all, I have nothing to do with gambling and drugs."

The two were chatting, Zheng Wentong's mobile phone rang suddenly, and his girlfriend picked up the phone, "Sister Li Fang is looking for you." ”

Zheng Wentong sat up and connected the phone, Zheng Wentong's smile disappeared instantly, his expression was serious, Zheng Wentong pointed to the mobile phone, his girlfriend knew that this call involved the official business of the pony galloping, so he obediently went back to the room to play with the mobile phone.

"Has this been confirmed?" Zheng Wentong felt a headache, "Tucao Conference" will be released next month, Zheng Wentong originally planned to announce the semi-annual report of Yanjing Pony Galloping before the Spring Festival, to give Pony Galloping investors a bright light, and prepare for next year's IPO.

Zeng Mouyu, as a director of the board of directors of Pony Galloping and general manager of Pony Galloping New Media Co., Ltd., appeared in a negative news, which was also a fatal blow to the company.

"A famous employee of Pony Galloping New Media accidentally saw Pengyu's Weibo account, which pushed some bad content. And Pengyu also forwarded it with a large number, and there is no evidence to confirm it yet. Zhong Lifang also felt incredible.

"Call the police! Call the police now! Stabilize him first and let the police intervene. If this matter is exposed by the outside media first, we will fall into passivity. ”

"I will immediately contact Chairman Wang Shan of Puhai Guotou to communicate in advance. You prepare, immediately prepare the board of directors, remove Zeng's directorship, solve all his positions in the pony galloping, you tell Guo Yan, let her prepare in advance, I am ready to elect her as the new director. ”

Zhong Lifang on the phone was a little unbearable, "Is it an internal investigation first, after all, it hasn't been confirmed?" ”

Zheng Wentong's tone of voice suddenly rose, "Did you have water in your brain today?" Usually a very smart person, but at a critical moment, he made a mistake? ”

"As a public figure, he has gained a higher income and social status by virtue of his fame, so he should restrain himself more strictly, no matter whether this matter is verified or not, Pony Gallop will not have his place, let him get out of here as soon as possible!"

"If there are other people in the company who question my decision and try to intercede for someone Zeng, let him pack up his things and get out together!"