Winning the new financial era

Chapter 53
He Shenghua saw a person at the meeting of the Microfinance Industry Association he attended.

That person was about the same age as He Shenghua, both in their forties, and their name was Xu Zhiyun.

At the party, Xu Zhiyun was surrounded by a group of people like stars and the moon, and he was very energetic.

Why are you being flattered and flattered by so many loan bosses?Because Xu Zhiyun opened a P2P platform last year, the business is now on the right track, and it can raise tens of millions or hundreds of millions of dollars every month.

Except for Xu Zhiyun's own loan company lending and absorbing part of this part of the money, most of the rest of the funds raised were used to cooperate with external loan companies.

So when Xu Zhiyun came to the party that day, he was surrounded by dozens of loan bosses, big and small. Everyone was flattering him and wanting to chat with him about cooperation.

He Shenghua watched coldly from the sidelines, and did not go forward to make love.

Because he has a bad relationship with Xu Zhiyun, it can be said that he is an old opponent for more than ten or twenty years.

When they started working as loan clerks when they were young, the two worked in the same company.

Although they are colleagues, the relationship between the two is not good.Competing for performance and grabbing each other's customers are commonplace.

Later, with the rise of the domestic small loan wave, He Shenghua left the original company and started his own business.

Not to be outdone, Xu Zhiyun also came out to start a loan company "Huaxin".

Huaxin Loan Co., Ltd. and Jingrui Loan Co., Ltd. are peers of each other, both of which are in the business of second-payment loans for houses and bridge redemption.

The lower-level salesmen of both companies, like the boss, often compete and confront each other.There have also been vicious incidents of fighting each other to grab customers!
Xu Zhiyun's abilities are not weak. After more than ten years of hard work, the scale, income and profit of Huaxin Loan Company have never been inferior to Jingrui, and the industry status of He Shenghua is also comparable.

But when He Shenghua heard that Huaxin had a large-scale bad debt outbreak last year, he thought that this old friend and rival would not be able to survive.

He never recognized Huaxin's style of play, lowering risk control standards and raising interest rates in order to do more business.Take the model of high profits covering high bad debts.

If the profits can still cover the bad debts, of course it will be fine, but when the bad debts cannot control the explosion, it will be unlucky.

Last year, he thought that Huaxin would not be able to survive this test.But looking at it now, it seems that they have successfully overcome the difficulties?

An old friend of He Shenghua, a middle-aged man in his 50s, walked over from Xu Zhiyun's side, and greeted with a smile: "Old He, you've been doing well recently!"

He Shenghua shook hands with the middle-aged man and then replied: "It's so-so, Brother Huang, what are you talking about?"

The middle-aged man surnamed Huang first shook his head and sighed: "Hey, no! The price of houses in Beijing has risen too fast in the past two years, and there is not enough funds to lend. If you can't make a few orders a month, you will have no funds. It's difficult! "

Then the conversation changed, and he said with hope: "However, we just talked about a new investor, and the pressure on funds can be relieved."

He Shenghua was a little surprised and said: "Hey, there is a new investor, which one is it?"

The man surnamed Huang pouted his mouth to signal to one side, and He Shenghua looked over, and it was Xu Zhiyun who was talking with everyone.

He Shenghua was surprised and said: "It's Xu Zhiyun? Where did he get the funds? Didn't he keep spreading Huaxin last year?"

The boss surnamed Huang waved his hand and said: "Old He, you are all old Huang Li, and now Lao Xu has turned around.

Last year, he opened an Internet wealth management platform called "Huaxin Investment", which has developed very well. Now it is said that hundreds of millions of funds are brought in every month.

There was too much money to put away, so I sprinkled some water and gave it to the old brothers of the association to put it away.

If you want me to say, this old Xu has done this thing this time, there is nothing to say, just two words "open and bright".

My old Huang remembers his love! "

He Shenghua finally figured it out. It turned out that old boy Xu Zhiyun opened an online financing platform.

Thinking of this, he probably understood how Huaxin survived the bad debt crisis last year.

Misappropriation of user funds is certain, otherwise how would such a big bad debt hole be filled.

As for what's going on with the users now, it's probably because of the transfer of funds to make up for it!

He Shenghua thought to himself.

After Xu Zhiyun saw He Shenghua, he greeted everyone around him to leave for a while, and then walked over with a smile on his face.

Walking to He, the two of Huang followed and greeted Boss Huang first, then looked at He Shenghua with a smile on his face, and said:
"Old He is here too. How are you doing recently? I heard that Jingrui's loan funds are insufficient? Would you like me to support you a little? Not to mention, tens of millions per month can still be paid out."

He Shenghua glanced at Xu Zhiyun, the weasel is celebrating the new year for the chicken, and you will be kind enough to provide me with funds.

He waved his hands and said forcefully: "Thank you for your kindness, we Jingrui have the ability to eat as many bowls of rice as we can."

Xu Zhiyun chuckled, Lao He is still the same Lao He, he speaks very hard!
Then he said: "How much is Jingrui's monthly loan amount now? Huaxin's monthly loan amount has reached 5000 million. Don't let Huaxin wait too lonely in front. I hope to have the opportunity to work hand in hand with Jingrui , to create a better tomorrow for the loan industry.”

He Shenghua snorted coldly, and when he had some achievements, he raised his tail to the sky.

Xu Zhiyun went on to say: "Huaxin has decided to go out of the capital city and set up a national market. The three branches in Shanghai, Yangcheng, and Pengcheng will open together next month. Come and participate in our opening ceremony when you have time."

He Shenghua was secretly shocked. It had always been his dream to go out of the capital and expand into the national market.However, limited by financial issues, we have not been able to take that step.

Now Xu Zhiyun was ahead of him and began to enter the other three first-tier cities, officially starting the national siege.

Somewhat unconvinced in his heart, he, Xu Zhiyun, has so much virtue and ability, and he is still ahead of him.

"No, I want to do this online financial management platform too. I've suppressed him, Xu Zhiyun, for a lifetime, but I can't be overturned when I get old." He Shenghua began to plan in his heart.

Lao Huang boasted from the side: "Brother Xu, this step of yours is amazing! You have easily accomplished the things that many of our lenders dream of.

Next time I see you, should I call you Chairman Xu! "

Xu Zhiyun laughed and said, "Brother Huang! You've won the prize! But we're already in the process of reorganizing into a group company. Hehe! There are more businesses, and it's easier to manage with a group company. I'm laughing at you."

He Shenghua couldn't listen any longer, and felt so sore that he found a reason to leave first.

In this way, due to being too much stimulated by this old opponent, and the following people once again suggested that the company open a P2P platform, He Shenghua agreed on the spot.

Do it!Make a big deal!
What Xu Zhiyun has done, how can I, He Shenghua, be worse than him?
In this way, He Shenghua's P2P platform "Jingrui Fortune" started.

In addition, He Shenghua also took out all his belongings except 6 properties, a total of 2000 million, all of which were thrown into the company.

The company has also been upgraded to "Jingrui Group", which has two subsidiaries, Jingrui Loan Company and Jingrui Fortune.

Although the number of subsidiaries is a bit small and looks shabby, the momentum cannot be weak.

But when the platform was opened, He Shenghua realized that this matter was not as simple as imagined.

First of all, let’s talk about the platform website. He Shenghua invited more than a dozen college students to make it so-so. Although it falters from time to time and the UI interface is ugly, it is still usable.

But the operation?Where are the investors?Where to find funds?
Running an online wealth management platform is completely different from his previous offline lending model. He Shenghua is exhausted every day, but he can't find any good way to promote it.

Those college student programmers suggested that He Shenghua find an operations director and pull together an elite operations team.

He Shenghua did the same, and hired a senior operation director who has been in the Internet industry for more than ten years with an annual salary of 50 yuan. Other new media operations, user operations, product operations, and other positions were also filled in place.

All the people in the company were recruited, but no one came to invest. He Shenghua saw it and was anxious.

Give the director of operations a death order, telling him to make a turnover of 1000 million yuan this month.

The director told He Shenghua that it is very easy to make a turnover of 1000 million, and it can be done with a promotion fee of 100 million.

When He Shenghua heard this, he almost choked to death. He used 100 million to promote it, and exchanged it for 1000 million to invest for a month. You can say it!What is the use of you as the operations director?
Seeing that He Shenghua was almost pissed off, the director quickly explained.

Tell the boss that in order to make money in Internet finance, you must first spend money on promotion. After the scale and brand are established, then introduce venture capital to gradually reduce operating costs and capital costs, and then make profits!
If you want Internet projects to be profitable, be prepared to lose money for 3 years!And as the scale gets bigger and bigger, losses may also expand.

The director told He Shenghua that this is a classic style of play on the Internet, and the giant Ali and Penguin have come all the way.

After He Shenghua heard these words, his heart sank, and he rushed into this industry as soon as his head became hot.

I thought that if Xu Zhiyun could do well, I would definitely be able to do well too.

But now the office rent, operation, and R&D investment have all poured in 200 million, and there is no splash.

If you quit now, you will lose a lot of money firstly, and secondly, you will be laughed at by Xu Zhiyun, and you will never even think about raising your head in front of him.

He Shenghua was not reconciled, he was reluctant to spend money on promotion, and he didn't want to just quit.

Because of this matter, I have been so worried these days that my hair has turned gray.

He Shenghua returned home dejectedly, his face was full of worry and entanglement.

After seeing her daughter at home, she was a little surprised. She patted her head and realized that today is already Friday, and her daughter's school is also on holiday.During this period of time, people were so busy and dizzy that they couldn't even remember the date.

Immediately adjusted his expression, smiled unnaturally:

"Qingxuan, are you on vacation?"

(End of this chapter)