Winning the new financial era

Chapter 41 Assets are difficult to deal with

On January 1th, Yimin Fortune and his group went to the Porsche 20S store.

In a living room, two high-paying financial planners poached from other wealth brands are teaching financial planning courses.

Zhang Yida and more than 20 car owners in the audience were listening with great interest.

"How to realize the appreciation and preservation of family wealth?
In order to outperform inflation, a reasonable asset allocation must be carried out. "

A financial planner in formal attire and with a greasy hair gave a lecture.

Then he opened the slideshow again, pointed to the projection screen and said:

"Here's the S&P Household Asset Management Quadrant.

Divided into four parts.

The first part of the money to be spent: accounting for 10%, short-term consumption such as living expenses for 3-6 months.

The second part of life-saving money: accounting for 20%, to solve the family's sudden large expenses, such as accident and serious illness insurance.

The third part is the money that generates money: accounting for 30%, stocks, funds, real estate, etc.

The fourth part is money for capital preservation and promotion: accounting for 40%, pensions, children’s education funds, creditor’s rights, trusts, and P2P wealth management.It is characterized by safe principal, stable income and continuous growth.

……

The next thing I will talk about is P2P online loan financing. When choosing P2P financing, you must choose the right platform...

Our company, Yimin Wealth, has just received $2500 million in venture capital from Blackshirt Capital, and is now launching a high-end wealth management product.

The initial investment threshold is RMB 100 million, and the product periods are divided into four types: June, December, December, and April, corresponding to yields of 6%, 12%, 18%, and 24%, respectively.

All raised funds will be loaned to borrowers through the platform's big data credit risk control system. "

After hearing this, more than 20 audience members whispered to each other.

"The rate of return is so high, it is more cost-effective than the bank!"

"Yebao is only 6%. This is two or three times higher. Is there any risk?"

"Everyone has received tens of millions of dollars from Blackshirt Capital, and the company is still strong. You can invest in the shortest 6 months and try it out!"

……

After everyone discussed for a while, a fashionable and well-maintained middle-aged woman asked:
"I just want to ask how does your company protect the principal and income of our investors?"

Others also nodded, and the most concerned thing is the risk. After all, at least 100 million must be invested, and no one's money is blown by the wind.Be sure to figure out the situation before making a plan.

Another financial planner smiled, looked at the crowd and said:

“That’s a good question, and I’m here to answer it for you.

At present, the underlying assets of our company are mainly mortgage loans such as housing loans.

For a house with a market price of 100 million, only 7% of the loan is 70, and the house has to be mortgaged.

Once the borrower defaults, we can recover the loan by auctioning the property.

Investors' principal and income are guaranteed.

In addition, our company has also developed a top-notch risk control system. Some old Lai and customers with bad credit cannot get loans through our system.This will also further reduce loan risk.

In addition, our company has back-and-forth terms.In the event of bad debts, everyone's debts will be repurchased.

So everyone can rest assured and buy boldly. The first batch of products is only 5000 million. After the sale is over, you have to wait until the next issue. I don’t know how long it will take.

Perhaps the income will also decrease as the market slowly opens. "

After listening to the middle-aged woman, she felt that this company was responsible, and it had to cover the bottom line for users, guarantee capital and interest, and immediately made the decision to invest 100 million yuan for a trial period of 6 months.

With the first one to take the lead in buying, there will be the second and third, and others have also reached investment intentions.

According to the last statistics, 20 out of 10 people reached an investment intention, and the intention amount reached 1500 million yuan.

Some of the other people who did not buy also left contact information with each other, saying that they would go back and think about it.

The final amount raised in the event reached 1800 million yuan, and several customers who went back and thought about it still chose to participate in the investment.

After the funds were in place and entered Yimin Wealth Company, the 3% cooperation commission, which was 54 yuan, was called to the Porsche 4S store.

Seeing that this kind of cooperation can really increase the company's income, Jiecheng Group opened up cooperation with Yimin Wealth to the other nine Porsche companies under its umbrella.

Yimin Wealth continues to poach, recruit and supplement teams from major wealth management companies.

He also knocked on the cooperation door of Bentley, Ferrari and other luxury car 4S shops with the successful cooperation cases with Jiecheng Group.

Yimin Wealth Management will continue to cooperate with Ruixiang step by step to attract traffic, and increase the conversion and development of existing customers.

The newly established Yimindai is a new brand, and the team structure is still under construction.

Yimin Investment Management Company, in Ding Siyao's office.

A 30-year-old man with greasy hair, gold-rimmed glasses, and a well-tailored suit is full of elite temperament.At this time he was facing Zhang Yida, and Ding Siyao and Ding Siyao talked eloquently:
"That's how the American headhunting company Korn Ferry International entrusted by Black Shirt found me.

Tell me that in China, there is an Internet finance company that has only received a round A venture capital investment from Black Shirt, and is currently short of a person in charge of risk control, and asked me if I am interested.

Of course I'm interested!
It has been 5 years since I started working at Capital One after I received my Ph.D. in finance from Stanford.

In the United States, there is a ceiling for Chinese people who want to be promoted in large companies. "

Having said that, Chen Shaojie sighed and said with a wry smile:

"Because overseas Chinese only know how to go to work with their heads stuffed, they are not good at expressing themselves, they are not keen on political activities, and they are not united.

In the United States, it is a mess, not to mention that white people can be the executives of large companies, even Ah San is better than Chinese, and can be the CEO of large companies.

The Chinese work up to the middle class!
So when I heard the invitation from a domestic Internet finance company, I agreed without hesitation.

In the United States, I can see the known future, but China's future is unknown, so worth looking forward to. "

Zhang Yida was a little pleased. The Chen Shaojie in front of him had a Ph.D. in finance and had worked at Capital One for 5 years as a middle manager.

Capital One is called the First International Capital Group in Chinese. It is a Fortune 3000 company with tens of thousands of employees worldwide and assets of more than [-] billion U.S. dollars. It is the second largest consumer finance company in the United States.

In the history of global consumer finance development, Capital One is one of the indispensable protagonists.

As a company with the concept of "data drives everything", it can be said that the belief in data is like a religion, which is deeply rooted in every detail and every capillary.

This is the genetic key to Capital One's far-reaching lead, and it is also the potential reason why it has avoided crises time and time again.

For example, before the arrival of the financial crisis in 2008, Capital One, which was doing mortgages, monitored abnormal data, decisively sold the mortgage business, and survived the largest financial crisis in history.

In addition, the recruitment process of Capital One is also very strict. It is said that there are more than a dozen rounds of interviews plus a large number of mathematical logic written tests.

The acceptance rate is as low as 3%!

But those who have successfully entered the job have one thing in common: sunny and cheerful, extremely high IQ, and strong communication skills.

Half of the domestic Internet finance in later generations is supported by the Chinese who left Capital One.

Almost all of the top [-] Internet finance companies in China have people who left the company to serve as core executives such as risk control and products.

The black shirt can dig a treasure for the company this time!It can be said that they are tailor-made talents for Yimindai!
Zhang Yida smiled happily and said:
"On behalf of Yimin, I warmly welcome Mr. Chen to join us!

At present, Yimin Company is divided into three segments, P2P fund side Yimin Wealth Management, Yimin Wealth serving high-net-worth individuals, and consumer credit brand Yimin Loan.

I would like to invite Mr. Chen to be the CEO of Yimindai, and give full play to your strengths to build Yimindai into a data-driven consumer finance company. "

Chen Shaojie was a little taken aback, he thought he would be sent to the risk control position.Asked slightly puzzled:

"Mr. Zhang, am I not the chief risk control officer of CRO?"

Zhang Yida waved his hands, looked at Chen Shaojie with a smile, and praised:
"With your talent, being the chief risk control officer is too inferior.

On the fund side, we will benefit people’s wealth management and wealth. We will only raise more and more funds. At present, they are all cooperative external loan companies, and they are responsible for lending.

I am still not at ease that the asset side is in the hands of others.

Therefore, the key work of Yimin will be to build a core asset-side brand in the future.

And you are my favorite candidate.

You have been engaged in consumer credit risk management for many years, and you are familiar with the construction of risk control systems and the application of big data analysis.

At the same time, I hope that you can also bring the advanced concept of capital one's data-driven everything into the company, and create a super-class risk control team. "

Chen Shaojie probably understands that this is a brand separation, and the capital side and the asset side are different brands.Thinking that I can be responsible for Yimindai on my own, my heart is very hot.Considering the current complex credit environment in China, it is a headache.Asked again:
"What kind of assets does Yimindai focus on?"

Zhang Yida thought that among the various assets in the next few years, consumer loans would be the most promising, so he said without hesitation:

"Consumer finance, unsecured petty cash loans."

However, considering the supervision and risk management of future generations, another sentence is added:
"Try to rely on consumption scenarios!"

Chen Shaojie frowned, and the company did not have any other consumer scene subsidiaries to rely on, such as supermarkets, shopping malls, e-commerce platforms, etc.Can only cooperate with external companies.

But it’s not reliable to cooperate with others!When you see that you are making money, you kick yourself into consumer finance.

A little helpless said:

"We currently don't have a consumption scenario, so it's hard to do! External cooperation is not reliable."

Zhang Yida bowed his head and pondered, mortgage, car loan, education and training loan, travel installment, decoration installment, home appliance installment, car financing lease, e-commerce installment, medical beauty installment, agriculture and rural areas loan, credit card compensation, virtual credit card...

The most suitable one should be a virtual credit card, combined with mobile payment to open up some offline merchants, and make offline consumption and shopping installments.

Similar to Huabei, after scanning the QR code to pay, it will be included in the bill, and the repayment will be made next month, or repayment in installments.

It is also possible to build a shopping mall online, sell home appliances and 3C digital, and give users a consumption quota to purchase goods in installments.

Doing this is completely another flower, and adding the cash withdrawal function is just borrowing.

It's not easy!Online products are not as complete as Ahri and Goudong, and the coverage of offline payment codes cannot compete with Alipay.

Come on step by step!Zhang Yida said:

"Let's do it like this! First build a cash loan app without consumption scenarios online, scale it up, and improve the risk control system. Then cut into the consumption scenarios one by one.

Offline, housing loans and car loans, as well as white-collar personal credit loans with stable jobs and social security provident fund contributions. "

(End of this chapter)