Internet 2010

This site has opened a novel subscription function. You can subscribe to your favorite novels. If there are any updates to the subscription novels, we will notify you by email as soon as possible! Remember to set your email address!

At the beginning of April, Menggu payment company.

"Boss Fang, there is something I need to tell you about."

Fang Yuling looked up and saw that the person who came was Zhang Wei, the head of the risk control department of Menggu Payment.

She nodded slightly and put down the document at hand, "You say it. I'm listening."

Zhang Wei sat opposite Fang Yuling, and then continued, "It's mainly about some bad debts, and this also involves the statements submitted by Kuailaidai. In last week's meeting, I also mentioned this specifically, after the meeting I also asked my subordinates to collect relevant data and send it to your assistant."

Fang Yuling nodded again. She was clear about this situation. When it comes to the loan business in Menggu Payment, the main ones are the two products of flow loan and ab. As long as the loan business has a certain amount of bad debts, it is normal, even if the bank she once worked for In the securities sector, there is no shortage of defaults.

"Go on."

Zhang Weidao, "Menggu Pays here are two products of traffic loan ab. When we initially designed the two products, the application operation data of the entire lender came from Mengguang. In the middle, we adopted some prediction models, and then Extrapolate the future revenue profile of the app developed by the lender.

The main problem is that traffic loans are still aimed at middle and lower-level developers, because the Dream Valley Ecology has a relatively large support for upper-level developers, including traffic support to financing assistance and so on. The loans we issued last year had a relatively low bad debt rate, but this year, as a number of applications have been gradually eliminated from the market, a considerable number of application developers, that is, lenders, have entered a situation where they cannot operate normally.

Simply put, the advertising fees realized by their traffic conversion through Dream Valley advertising are no longer enough to support their loan repayments. "

Fang Yuling frowned when she heard that, any market is cruel, this is actually very clear. It is said that all kinds of applications in this application market often have the Matthew effect. To put it bluntly, the stronger the stronger, the more the top application, the greater the traffic that can be obtained, and the more top application is not guilty. Use the flow to loan the credit line of tens of thousands of yuan. So in the final analysis, the flow loan model seems to be ok, but the actual high returns are accompanied by certain risks.

Fang Yuling said, "What is the plan you have drawn up? Have you communicated with the technical department to make adjustments?"

Zhang Wei shook his head and said, "It has not yet been formed. It is expected that some plans will be given to the technology side to make prototypes within this week. There are mainly two aspects that need to be changed. One is to raise the threshold for data screening and appropriately reduce some development. The other is to appropriately increase the credit line for developers with good historical performance records.

The technical department should not have much difficulty, these are some specific parameters in the original model. "

Fang Yuling nodded and said, "Well, this matter is very important. You arrange to do it and communicate in advance. After the meeting and the process that needs to be followed, I will arrange for an assistant to make up for it. Then the other is, you said about the loan issue."

Zhang Wei, "Yes. Because Menggu Payment's own credit technology, data acquisition and processing and risk control are more mature than Kuailaidai, so the other party also obtained your consent after the A round, and reached an agreement with us in some areas. some cooperation.

With the rapid expansion of Kuailaidai, the business of Kuailaidai has initially completed the layout of colleges and universities in the four cities of Beijing, Shanghai, Guangzhou and Shenzhen. At the same time, they have also established subsidiaries in central Hanjiang and western Shudu, which are expected to be soon. carry out related business. However, in the process of rapid expansion, the bad debt rate of Kuailaidai in the past two months has also risen by 30% compared with the previous one. In the middle, there have also been cases where auditors were ineffective, causing others to use their identities to borrow money. "

Fang Yuling listened, but it didn't matter, "The annualized rate of Kuailai Loan is nearly 30%, which has exceeded the 2% monthly interest rate of many usury loans. As long as the bad debt rate is controlled within a certain range, Kuailai Loan can operate normally.

If the other party needs to talk about financing, they can ask their CEO to come and talk, and I will make contact with the Dream Fund. If it's other issues, then there's nothing to talk about.

Common sense, the advice I can give is definitely to reduce the annualization and develop steadily. But to put it badly, people who do mutual funds or p2p are all in a hurry to make money. No one cares where the risks are concentrated. "

Zhang Wei went on to explain, "Mr. Fang, the other party is mainly reporting this time. Another news they gave is that in the related downstream business such as customer service sales and collections, Kuailaidai hopes to pay with Menggu. Cooperate together. Multiple parties set up entities with unrelated interests, and then this subsidiary will take care of related businesses.”

Fang Yuling smiled when she heard it. In the past, in the usury lending industry, the collection line has always been there, even banks, there are times when collection is needed. Banks also outsource this type of business. Everyone knows that this collection is not a good job. It's normal to talk harshly on the phone, harassing relatives and friends to spoil the reputation of the other party. If you outsource it, you will leave some reputation for yourself.

Fang Yuling, "It's up to them to arrange it. When it's ready, ask me to sign it. Menggu's payment doesn't need to be collected much, but in the future, when the stall is big, it's hard for anyone to predict it."

Zhang Wei nodded slightly, "Boss, then I'll go down and make arrangements."

Fang Yuling didn't say much after listening, and then she got busy with the work at hand. As for reporting to Luzhou, it can only be said after all the situation is confirmed. It's not a big deal, and it can't always be stuffed into the hands of leaders.

......

Downstairs, Lu Zhou was listening to Chen Ke from the WeChat data monitoring department reporting. This time Chen Ke came here was also arranged by Cheng Xuyuan, but he also had other important things on hand, so he left it to his subordinates to report.

Chen Ke said, "Brother Lu. This anomaly is mainly due to the abnormal behavior of red envelopes in individual groups."

That said, "Brother Lu", most of the technicians in Dream Valley are called by this name, mainly because Mr. Lu has not been in the office for a long time, and he has dealt with them a lot before. In particular, many of the apprentices "spoofed" from Yat Sen University, so this title is a bit more casual.

Lu Zhou was not surprised when he heard it. He didn't know what happened, but the operation of the entire market was often the same. When the recommendation mechanism for bananas came out, there were people in the market who downloaded and distributed them downstream; Moments and WeChat Pay came out, and it didn’t take long for this smart person to use it to engage in micro-business and py. In other words, WeChat's personal authentication now includes bank card authentication in addition to identity authentication. There are second-rate people in the market who specialize in selling accounts.

The volume of many applications in Dream Valley is getting bigger and bigger, and more people are naturally attached to them. Some are doing serious business, and there are many who are doing some gray.

Or to put it another way, he was the first to buy and sell scarves fans who Lu Zhou did not rely on, and swiped comments and retweets?

Chen Ke went on to say, "It is currently monitored that in a short period of one month, there are hundreds of groups in WeChat that have been involved in abnormal red envelope behavior. The highest group has reached tens of millions of dollars."

Lu Zhou listened and asked for no reason, "Gambling?"

Chen Ke nodded, "Well. We did some data analysis on the red envelope records of these groups. Basically, the operation mode is mostly similar to gambling."

After hearing this, Lu Zhou couldn't help shaking his head. There were some things he couldn't manage, but there were things he had to manage.

It's like the amount of swiping in a banana. As long as it's not too much, Mengguang really turns a blind eye. After all, this thing can be killed incessantly. At most, Mengguang adjusts the algorithm regularly, including the swiping of the WeChat public account. This is gray at most, and some laws are not clear. But what kind of **** and gambling do you want to fix? This huge profit is huge profit, but the criminal law can give you the rules and make it clear. Wechat really wants to endure this, maybe the relevant departments will come and harass a few more times.

Lu Zhou waved his hand, "Just call the police and file a case. After the relevant procedures for the case handlers are completed, you can directly ask your brother Cheng to adjust the authority, and take the chat data and personal flow of the relevant personnel as evidence."

Chen Ke didn't go through anything, and he was a little scared to hear it, but his speech was still clear, "So serious?"

Lu Zhou nodded slightly, "Almost so. After going down, you can just call the police and have someone come to the company. Oh, go down and tell your brother Cheng, come back to my office."

When Chen Ke heard Lu Zhou, he meant to chase away guests, so he went to work honestly. And what Lu Zhou thinks, it is probably to set up a small department to take care of these messy things, so as not to take it as a big thing every time, and report to him every time.

Let's say it's not important, and it's not, but it doesn't make Lu Zhou call the police every time. In particular, there are more and more WeChat users, and the number of users chatting and paying on it every day is overwhelming. No matter how bizarre things are, they happen every day.

"It's not easy, it's not easy." Lu Zhou wiped his face and thought.

Maybe it’s too much to say, that’s probably, 50 million people complain about the **** of WeChat’s so-and-so function every day, 10 million people rely on WeChat to do some business to get a little money and then collect money, 5 million people may have to press The last time I pressed the report button to report a violation, there would be a million more people because I thought I was so arrogant that I wanted to teach Lu Zhou how to do WeChat.

For WeChat, at this level, the addition of any small function has a huge impact.

Not to mention more, the WeChat personal page Jiugongge, now all the applications in the Dream Valley ecosystem are kneeling and licking Lao Cheng every day, eager to seek a position. After all, the effect is right in front of you. Wei Toutiao, 233, Peach Chasing Light, and Mushroom Chicken are not long ago on this second-level page, but daily new users and daily active users are getting taller every day. Eyes are red.

Among them, there are also foreign companies seeking cooperation. Such as a certain 8, such as a certain east. Of course, the price offered is not very sincere, and Lu Zhou's direct backhand is a rejection. That's the truth, anyway, give your family a treat first, as for others who want to come, huh, I'm sorry for not accepting your shares.

Not long after Lu Zhou thought about it, a voice came from his phone.

Mr. Ye, "Hey~ I work overtime at night, an hour later than usual. Why don't you go home and cook first today?"

Lu Zhou's mouth crooked when he heard it. It wasn't because he didn't want to cook, but because he didn't make much progress in Ye Qingchen's six months of pregnancy, and it was only to the extent that he could barely swallow.

"Sister! You don't know my craftsmanship. Don't go home and eat for a night. We'll just go to the restaurant recently."

"Okay. If you think about it, it's true. After a hard day's work, you have to go home to eat pig food."

This adjective is a bit excessive, Lu Zhou thought awkwardly.

"I'll pick you up after get off work and have a meal near your company."

"Okay~ ah ah."

Huh, Lu Zhou got goosebumps after hearing it for no reason. It can be said that my wife has also been poisoned by Internet language and has embarked on a road of no return.

Lu Zhou smiled, and then started to deal with the work at hand.

......

Ye Qingchen put away the phone, and then walked into a certain conference room.

Jiang Xiaobai had been waiting inside for a while, but he was happy to wait when they said he was looking for the leader to confirm.

And Ye Qingchen, this has to be called working for a period of time, Mengxin has become an old fritter, and he can make out with her husband in the air while taking advantage of a little spare time.

"I've been waiting for Mr. Jiang for a long time." Ye Qingchen smiled at Jiang Xiaobai.

Jiang Xiaobai looked at that and was stunned for a while. Manager Ye, who received him, just met something good? This laughing tm hooked his soul, not the polite expression he had when he first came.

Afraid that you suddenly fell in love with me? ! Jiang Xiaobai arrived for a while. Emma, ​​this happiness came too suddenly, I am afraid that it is not because of the successful financing, the business is smooth sailing, and I will take the opportunity to marry Bai Fumei and go to the pinnacle of life!

Jiang Xiaobai almost drooled. He took a deep breath to calm himself down a bit. However, the room was full of aromas, and I inhaled a lot, and my mind was still thinking about it.

He asked stupidly, "Manager Ye, what's the situation now?"

Ye Qingchen smiled and sat down in her seat. This Jiang Xiaobai was considered a person who Lin Xin and he had already checked, so it wasn't a big problem, and the rest was just a process. As for letting him travel all the way to Guangnan for the rest of the process, it is also because the capital is not fully staffed now, so coming directly to Guangnan to create a dream can go through the entire financing process faster.

Ye Qingchen smiled and said, "Mr. Jiang, there is no problem with your project. Next, we need to confirm a financing amount that both parties can accept. After everything is in order, a framework agreement will be issued. After the confirmation and signature are completed, the remaining It is the scheduled transfer of funds and equity.

You don't have to worry too much about things, it just takes a little more time. "

After hearing this, Jiang Xiaobai put his heart in his stomach. He was also happy in his heart. Now he will look at Manager Ye in front of him again, that is really a fairy. Although this manager Ye is not a real manager~www.readwn.com~ is only the lowest-level assistant in this dream, but the contact with him over and over again gives people the feeling that he is like a spring breeze, and his ability to handle affairs is sufficient.

This woman is going to marry and go home, Jiang Xiaobai couldn't help but thought for a while.

In the next two hours, Ye Qingchen also prepared the materials at hand, and then brought Jiang Xiaobai to talk with her boss Liang Xiaohui, which was basically considered proper.

In Jiang Xiaobai's eyes, this process is really like a dream. In just a few hours before and after, many things have been settled, just wait for the lawyer to sign some agreements next year.

After he finished everything and left the building of Chuangmeng, he stood downstairs and looked up at the place that changed his life.

Just like that, tens of millions went to the company's account?

Why don't you wait for Manager Ye to have a dinner date?

Would you like to call ahead and let me know?

All kinds of strange thoughts floated in Jiang Xiaobai's mind, and at this moment, a red Highlander slowly drove over and parked in the parking space in front of the building.

ugly! Jiang Xiaobai only thought of one word in his heart, who would get an old-fashioned Highlander with a red one...

After a while, Jiang Xiaobai saw that Ye Qingchen was out of the building, and he was excited to go to her, but he didn't think that the Highlander had come down directly, and Ye Qingchen, it was running straight away. He went over.

"Fuck! Big boss?!"

Jiang Xiaobai recognized Lu Zhou who came out of Highlander. Jiang Xiaobai is an employee of Menggu Promotion, and Menggu Promotion is a subsidiary of Menggu Advertising, and then Menggu Advertising is one of Luzhou's companies... This is separated by several floors, and it is appropriate to say a big boss.

Jiang Xiaobai, "..."

At this moment, he was about to find a deserted place and shouted goodbye to love...