Winning the new financial era

Chapter 52
Zhao Sheng has been a little depressed recently. Since the beginning of the new year, he has not earned any money.

Last year, I was able to sign two or three single housing "secondary mortgage" loans or "redemption bridge" loans every month, and completed two or three million loan performances. The commission was calculated at 300% of the loan performance, and I could get four A commission of fifty thousand.

Since the beginning of this year, the situation has changed all of a sudden.

First of all, the performance of two or three orders per month cannot be completed, and then the commission point has also dropped.

What makes Zhao Sheng most depressed is that it is not his own reason that he can't complete two or three orders. He has no shortage of customers, but the company is short of loan funds.

The reason is very simple. After the cooperation with Yimin Financial Service Group last year, the company’s management saw that the company has sufficient funds for lending and no shortage of customers, so it recruited a sales team. Doubled to 20 people.

In the case of sufficient loan funds and sufficient customers, it has no effect if so many salesmen join the company.

But who knows that after the beginning of this year, Yimin Financial Services has reduced the scale of capital cooperation with the company.

It's hard for a clever woman to cook without rice!If you don't have money to lend money, you can't make a deal if you have a customer, and you can't earn a commission if you can't make a deal.

Now Zhao Sheng is saving up enough energy to run business at the beginning of the month, trying to get more customers at the beginning of the month.

Because in the middle of the month, after the end of the month, the company basically can't release the money, and the money is usually released at the beginning of the month.

Moreover, the company now has twice as many sales staff, with more wolves and less meat, and the monthly lending funds of 3000 to [-] million will bottom out very quickly.

Even if you are lucky enough to open an order at the beginning of the month ahead of your colleagues, if the customers you develop are fine, it will be miserable if you divert them from Rui to Jinke Loan Supermarket.

For self-developed customers, after the loan is successful, the commission is 2% of the loan amount.

For the clients that Ruixiang diverted to Jinke, the commission after the transaction was only 0.5%.

You must know that last year, the customer who was also diverted from Ruixiang Jinke still had a 1% increase, but this year it has dropped to 0.5%.

As for the drop in the commission point, it was caused by Ruixiang Technology's increase in the cooperation fee rate.

The loan supermarket diversion business cooperation fee rate will be directly increased from 1% of the matching loan amount to 3% of the matching loan amount.

Turned over a full 3 times!
Compared with the cost of acquiring a customer from Ruixiang last year, their company increased the loan amount by 2%.

If a customer successfully borrowed 100 million last year, Ruixiang Jinke charges 1, and according to this year's cooperation standard, it will charge 3.

The company does not dare to cut off the cooperation with Ruixiang Jinke, because almost half of the company's customers need Ruixiang streaming.

So for this price, the company pinched its nose and had to admit it.

Who will pay for the extra 2 costs?

The company pays 1.5, and the salesman pays 5000.

That is to say, the company earns 1.5% less loan amount than before, and the salesman earns 0.5% less loan amount than before.

In fact, the company is quite generous. After all, it bears the bulk of the cost of customer acquisition channels, and the salesman only bears 1/4 of the cost of customer acquisition.

The director of Zhao Sheng told him all these inside stories, otherwise Zhao Sheng would be so confused that he would not know what happened.

Ever since Zhao Sheng flattered the director, in addition to inviting the director to dinner, he also invited the director to the club several times.

So, now wear a pair of pants with the director.

If there is any inside information about the company, good or bad directors will tell Zhao Sheng as soon as possible, so that he can make preparations.The director really likes this little brother who will come, and wants to cultivate it well.

When Zhao Sheng heard the news, he scolded his mother on the spot:

"Ruixiang Jinke and Yimin Financial Services are really shameless. They don't have any spirit of contract. They raise prices and cut cooperation at every turn. I don't know which two bastards started these two companies, and they will pay him to death sooner or later."

The director patted Zhao Sheng on the shoulder, and said earnestly:

"You are still too young! These days profit is paramount! How can there be any spirit of contract!

Besides, our company has not signed a cooperation agreement with others until this year.They were all re-signed this year.

So what if you sign it?There are ways to cure you.

Ruixiang Jinke Loan Supermarket was just launched last year, and it was eager to open up the market to implement the low-price strategy.

Now that they have developed, they have tens of millions of users, and they have cooperated with [-]% to [-]% of the loan companies in the capital.

It is we who rush to the door to seek cooperation, not others begging us to cooperate.

This is the transformation of the buyer's market to the seller's market, and the price is determined by the relationship between supply and demand.

got it!
Let’s talk about Yimin Financial Services!As far as I know, this year they started to make their own loans.

Some time ago, I heard that their offline loan store opened. Good guy, I heard that they recruited hundreds of salespersons as soon as they came up, and even recruited some sales leaders of old offline loan companies.

With such a big battle, it is clear that they want to do the lending business in-house.

If it develops in the future, it is estimated that the cooperation with our company will be completely cut off. "

After listening to the director's analysis, Zhao Sheng suddenly realized:
"So that's what they planned! Didn't they just take advantage of us!
After using us, it's like throwing away the used toilet paper without even looking at it. We still have nothing to do with them. "

The director pursed his lips and said, "That's right! In the business world, isn't it just that you use me and I use you?"

Sitting in his seat, Zhao Sheng remembered what the director had said to him a few days ago.

"If this goes on like this, the company may have to lay off staff. There is absolutely no need for so many salesmen, especially now that the monthly loan funds are restricted, so many people seem very redundant and cumbersome." Zhao Sheng thought to himself .

Seeing the director with a happy face come out of the general manager's office, Zhao Sheng felt a little strange. Is there any other happy event in the company?
Zhao Sheng said with a shy face before accosting the director:
"Brother Kuan, what a happy event? So happy."

Director Kuan's full name is Liu Kuan, and he and Zhao Sheng are also dog-meat friends, and they have a very good relationship.

Liu Kuan put his arms around Zhao Sheng's shoulders, and said to Zhao Sheng as they walked, "Come on, go to the smoking area on the balcony and smoke a cigarette. Let me share this good news with you. It will be of great benefit to you."

Zhao Sheng was a little curious, his heart was scratching like a cat's paw, itching so badly, he asked eagerly: "Brother Kuan, what good news! It's so mysterious."

Liu Kuan chuckled and said, "You guess first?"

Zhao Sheng said with a simple and honest face: "I can't guess, Brother Kuan, please give me some hints."

Liu Kuan rolled his eyes and replied, "It's related to the loan funds. Guess what it is?"

Upon hearing this, Zhao Sheng's heart beat faster, and he asked excitedly, "Could it be that the company has found a new employer?"

At this moment, Zhao Sheng thought that if an investor enters the market, the company will have no shortage of loan funds, and he can get tens of thousands of dollars a month like last year.

Thinking of this, my heart beat faster and my breathing quickened.I couldn't help but blushed and panted.

Seeing that Liu Kuan had already reached the balcony and there was no one around, he whispered:

"It's not the entry of new investors."

When Zhao Sheng heard this, his heart turned cold, and his whole body was like an eggplant beaten by Shuang, listless.

After a long time, he asked in a depressed mood, "Brother Kuan, what kind of good news is this?"

Liu Kuan laughed and said: "Just kidding. Although it is not a new investor entering the market, it has also solved the financial problem. Mr. He has decided to develop and launch our own P2P platform. In the future, we will no longer have to rely on other people's faces for financial cooperation. gone."

After Zhao Sheng heard this, he immediately regained his energy and asked eagerly, "Brother Kuan, are you sure about this news? Don't tease me anymore."

Liu Kuan lit a cigarette, Meimei took a puff, looked at Zhao Sheng and said, "It's absolutely true, and I have to thank Yimin Financial Services for reducing cooperation this time. Mr. He finally made his final decision."

Zhao Sheng scratched his head and said, "What's the matter? Brother Kuan, didn't you suggest to Mr. He several times before without success? How did you succeed this time?"

Liu Kuan nodded and said: "Yes! I have said it many times, but Mr. He didn't listen to it before, saying that the platform is not easy to operate! I only see thieves eating meat but not seeing thieves being beaten. This time I also I don’t know how he made up his mind!”

Zhao Sheng laughed and said: "Boss He is too wise! In fact, it should have been done a long time ago."

Liu Kuan exhaled the smoke ring, and said with a puzzled look: "Yes! Our own P2P platform should have been launched a long time ago. There should be no shortage of funds in our company within a month."

Zhao Sheng touched his forehead and said regretfully: "It will take a few months to develop! It will take a few more months of hard life. It would be great if Mr. He joined the platform last year! Now he can normally provide loans for this business. Sending money around.”

Mr. He's full name is He Shenghua, and he is the boss of the Jingrui Microfinance Company where Zhao Sheng works.

At this moment, he was leaning on the generous boss chair in a daze, thinking about some things that happened these days.

First, Ruixiang Jinke increased the cooperation fee rate, and then Yimin Financial Services began to reduce cooperation.

The occurrence of these two incidents was like two moving bricks that knocked him out on the spot.

He Shenghua's education level is not high, and he went to the capital to work after graduating from junior high school.

When he first came to the capital, he moved bricks and cement, and suffered a lot.

Later, by chance, I joined a private loan company, worked as a loan salesman, and also worked as a collection officer.

After working for a few years, he was familiar with all the loan process and simply came out to do it by himself.

Because he has many years of industry experience and is hard-working, he gradually developed and expanded Jingrui Company, and finally reached the scale it is today.

First start with a loan intermediary company, and then find capital to cooperate with lending by yourself.After this step, He Shenghua walked for ten years.

Today's Jingrui Company has a monthly loan amount of more than 2000 million, and an annual loan amount of more than 2 million.After deducting operating costs and bad debts, there is almost a net profit of 700 million yuan a year.

Last year, He Shenghua came to him several times to suggest starting a P2P company, but he refused each time.

The reason for the refusal was very simple. He knew that he was a vulgar person with no culture, not that kind of material, and he couldn't handle the high-tech gadgets of online financial management platforms.

I have come to this point by myself, all relying on hard work, diligence, and understanding of the industry.

But he really doesn't understand the online wealth management platform.

He won't do anything he doesn't understand.

Now that he is middle-aged, he has a virtuous wife and a well-behaved daughter. For the sake of his family, he dare not do such high-risk things.

Guarding the loan company also has a profit of 700 million a year, and has bought six houses in the capital, all of which are paid in full.It can be said that there are basically no worries about the economy.

However, a gathering in the microfinance industry a few days ago deeply touched him, causing him to change his mind or rekindle his passion for the cause.

(End of this chapter)