Internet 2010

Zhennan in the afternoon.

Lin Nanchao was driving towards Luohu Hongling Road, while Lin Qinghe was sitting in the co-pilot thoughtfully.

After Lin Qinghe asked Lu Zhou about this online loan that night, he also found a lot of friends to understand.

But although this online loan has been around for two or three years, the transaction volume is really small. If you are a veteran of lending money at the top of the society, most of them have never been exposed to this thing.

Who would have guessed that Lin Qinghe, an Internet layman, could still find something in the end. An old friend revealed to him that a company in Hongling, Zhennan is looking for money, and what it is doing is online loans. It is said that they also initiated "equity financing" on the official website.

It should be a company that is short of money and nervous, Lin Qinghe thought.

This was originally going to come to Luohu early in the morning, but we talked about it during breakfast, but Lin Nanchao mentioned that the money he got was from Hongling.

When Lin Qinghe thought about it, he simply asked his son to demonstrate the entire loan process to him.

As a result, Lin Nanchao was driven here together. Lin Qinghe felt that it was useless to talk about Lin Nanchao's farts, but it could help him gain insight.

Lin Nanchao was reluctant to come, but after listening to his father, he had to go to another company to play in this Hongling company. In this second family, Dad is going to talk about making a game of chess and cards.

Hearing this, he became interested, and followed him. "In the future, my family will also do this, so what's the point of crediting a few cards?" Lin Nanchao thought so.

......

At the other end of Hongling, Zhou Shiping, who is not too old, is taking a lunch break in the small dilapidated room at the original site of the company.

The room was cramped, but there were four bunks on top.

After a while, he woke up, got up and sat beside the bed, as if he had something on his mind.

For a little while this afternoon, he was dreaming of the scene five years ago. This time Zhou Shiping was thinking of his daughter.

Five years ago, he lost money in stocks and nearly millions of dollars in debt. The wife can't stand it, and the daughter can't bear the hardship with Zhou Shiping when she is still young. Five years have passed since the marriage and divorce.

It has been five years since he saw his ex-wife and daughter, he thought.

But life has its ups and downs. Five years ago, he was alone and was so poor that he had to sleep at the train station for the night. Two years ago, he found the way of online loan and started a new journey in this small broken house.

Zhou Shiping himself is an investor anyway, and he probably knows some financial business, but he knows nothing about the Internet.

The company's website business had to have seven or eight employees working on it before and after, but he didn't understand it, and the employees didn't understand much. As a result, this process took about seven or eight months, and it was not officially launched until the beginning of last year.

In the more than a year since 2008, Hongling has developed smoothly. After all, there are small things to do, and big things to play.

But Zhou Shiping also knew that he was brave after all.

At present, Hongling relies on two sums of money, one is the capital invested by itself, and the other is the money invested by netizens.

But online lending is a new thing at the moment. Zhou Shiping has great ability, but he also suffers from the conservative attitude of netizens in this investment.

The borrower may be lenient enough, but the money is not the same.

Therefore, for Zhou Shiping, money is a big problem.

Two months ago, he thought about it for a long time and thought of "equity crowdfunding". So, he also asked the company's technicians to hang up a notice on Hongling.

There are many people who follow the sound, but most of them are tens of thousands and tens of thousands.

Zhou Shiping naturally wouldn't refuse this time, it's just a small amount of money, it's different if a few more people put it together. At present, Hongling's "crowdfunding" is now considered to be Hongling's future shareholders. Roughly, there are thirty or forty people.

And he was going to wait for more money, and it was almost time for Hongling to start the shareholding system transformation.

Zhou Shiping put on his coat, got up and walked to the company's new location. He walked to the company, which happened to be two o'clock in the afternoon.

"Husband. In the conference room, there is a boss who wants to ask about the situation. It looks like someone with some strength who came in a Mercedes 600."

Zhou Shiping looked at his wife. Since the establishment of Hongling, she is usually in charge of finance and rarely cares about other things. Thinking about it, the boss here should have arrived early, and the reception is not easy to grasp, so she can only come forward.

"how to say?"

"It sounds like I want to do it myself, I'm here to find out."

Zhou Shiping didn't care when he heard it. It may be good to understand technology and finance, but a layman like him has spent seven or eight months backwards and forwards.

Since the boss is interested in this matter, Zhou Shiping is also confident, and how much money is left to make.

"Okay. I'll talk."

When he opened the door, Zhou Shiping said enthusiastically, "I'm sorry boss, it's been a long wait."

While holding Lin Qinghe's hand enthusiastically, he nodded to Lin Nanchao.

Seeing Zhou Shiping's appearance, Lin Qinghe felt a little more at ease. After all, he is also old. If the person coming is too young, he must have difficulty understanding when talking. This week, Shiping looked at forty or more.

"Hello. Lin Qinghe."

Zhou Shiping handed Lin Qinghe a business card, "Hello, Mr. Lin, I'm the general manager of Hongling. Just call me Xiao Zhou."

Lin Qinghe laughed and took the business card, "Where. President Zhou is modest. I heard an old friend mention your company, so let's get some information. I am interested in online loans~www.readwn.com~ Zhou Shiping said, "I wonder if Mr. Lin has a financial or Internet background? "

Lin Qinghe also didn't answer Zhou Shiping's question, "Tell me about your company's rough products and processes."

Zhou Shiping was not embarrassed, he said with a smile, "Mr. Lin, this is no problem. At present, Hongling mainly promotes small-amount and short-cycle personal loans. We review each loan user. ] is displayed on the website. Investors on the rest of the network can invest in these targets.

Generally speaking, according to the qualification of the loan user and whether there is a pledge, the interest rate of the loan is about 20%-30% per annum. Of course, some platform management fees will also be charged in the middle.

The general investment income of investors is between 8% and 10%. "

Lin Qinghe still laughed, "Mr. Zhou, people with discernment don't speak secretly. It's more than that."

Although the matter of "borrowing money to make money" was enough to make him tempted by hearing it in Lin Qinghe's ears, he didn't think that Zhou Shiping would end up like this.

After all, even banks have bad debts, and when he lends money himself, he also makes people run away, not to mention in this illusory Internet.

When Zhou Shiping heard Lin Qinghe's words, he thought that Lin Qinghe knew some inside information, "In addition to this main push, we are also trying to make some products with a shorter cycle. Weekly interest can go up to 10%, Of course, there are a lot of troubles in technical implementation, and it has not been officially launched yet."

Lin Qinghe rubbed his knees, "So, that's why you're looking for money?"