I Won a Prize of 100 Million at the Beginning, and I Became a Capital Boss

Chapter 106 Establishing the Slope Public Welfare Foundation!
2015年11月11日，斜坡公益基金会正式成立，办公地址为钟湖路168号中楚传媒大厦1601和1602室。

Gu Yongshan served as the first chairman of the slope charity foundation, and Feng Qingsong served as a supervisor. The meeting elected Gu Yongshan, Yao Yuan, and Zheng Wentong as members of the council, and Yao Yuan served as the vice chairman and secretary general at the same time.

Provincial, municipal and district leaders at all levels attended the unveiling ceremony of the Slope Public Welfare Foundation held in the Zhongchu Media Building.

Leaders of relevant departments in the province made instructive speeches, and Gu Yongshan and Feng Qingsong made concluding speeches at the end. Everyone took a group photo together, and everyone who participated in the unveiling ceremony today received a commemorative gift.

Feng Qingsong bid farewell to the leaders at all levels, turned around and joked with Zheng Wentong, "In the past two days, President Hu has complained a lot about you, saying that the University of Finance and Economics finally produced an outstanding alumnus, and instead of returning to his alma mater to set up a scholarship, he took the lead in setting up a slope charity foundation."

"Dean Feng, our University of Finance and Economics is also 211 after all, and we are striving to create a double first-class university. We also have a relatively comprehensive set of scholarships and grants, which basically cover most of the students."

"Our Internet companies pay attention to user big data. In fact, I suggest that the University of Finance and Economics can check the students' dining situation in the cafeteria through the computer, and screen out those students who eat more than 60 meals in the cafeteria every month, and the total consumption does not exceed 420 yuan. .”

"We list them as recipients of funding. There is no need to review or publicize. We directly transfer the subsidies to the meal cards of poor students. The subsidy is 1000 yuan a semester. You see, it is not convenient for the school to let the graduated brothers and sisters take care of them. I'll join you here."

Feng Qingsong likes Zheng Wentong's idea of ​​doing good deeds without a name. "This idea is good. It can not only help the really poor students, but also preserve their dignity and reduce their worries to complete their studies in the University of Finance and Economics."

Meng Qian was a little worried, "Will it happen that some students from well-to-do families will eat in the cafeteria in order to obtain subsidies?"

Zheng Wentong smiled, "60 meals, 420 yuan, each meal does not exceed 7 yuan, and there is no more than one small meat in the cafeteria, one bowl of rice, how can a really rich student endure this hardship?"

"If someone really eats a month of rough food in the cafeteria in order to get a 1000 yuan meal allowance, then he may really be short of money. If you can help him, why not do it?"

Feng Qingsong was very appreciative, "But if you do good deeds, don't worry about your future. Wen Tong's mentality is very good. No wonder he created such a big family business at a young age."

"Meng Qian is an outstanding graduate representative of our law school. She joined Yanjing Infront Law Firm as an intern in her senior year. Her brothers and sisters also praised her very much."

"Later I heard that I resigned to take the civil service exam, and I was a little surprised that I gave up after passing the exam. Later, Ramp Capital——"

Zheng Wentong quickly corrected, "Dean Feng, now our company has changed its name to Slope Investment."

"Sorry, it's easy to say. I have paid attention to several foreign investment projects of Slope Investment. Your company's investment actions in the Internet and film and television industries are not small."

"The last time I went to the city for a meeting, the district leader of Zhonghu High-tech asked me, saying that there are many excellent Internet start-ups in the Silicon Valley Software Park, and asked the school to contact you and invite you to come and inspect. Everyone wants you to be a return The money-spreading boy." Feng Qingsong joked.

"There are more than 100 million college students in Jiangchu City, and many of them start businesses while they are in school. We, Incline Investment are also planning to set up a [-] million venture capital fund in Jiangchu, focusing on venture capital."

"We will evaluate the projects submitted by the students, divide them into three levels, and provide project start-up funds of 5, 20 and 50 respectively. We also look forward to incubating one or two high-quality entrepreneurial projects."

"Of course, we don't just give money, we will follow up the entrepreneurial projects that participate in the whole process. They have ideas, creativity, teams, and charge ahead. We have funds and can provide logistics to ensure the smooth progress of the project. Do what you are good at.”

Feng Qingsong was thoughtful, "Your idea is very good. This kind of venture capital fund must be put into practice. It is better to invest in fewer projects in the early stage, rather than lacking in excess. First, build a good reputation, set up a few models, and promote it in the later stage. It's so much easier."

"Principal Hu will definitely support it strongly. The University Student Entrepreneurship Association of our University of Finance and Economics can help Slope Investment share part of the work. The employment situation in the past few years is not optimistic."

"The main reason is that small and micro enterprises have difficulty in financing. The reason why Internet finance has developed so fast in the past two years is that small loan companies and online loan platforms are targeting small and micro businesses that cannot get loans from banks."

"However, the Internet finance industry is growing wildly, but the supervision has not kept up. Some provinces cannot approve two licenses a year, and some provinces approve more than a dozen licenses at once."

"The upper limit of the 24% loan interest rate is also inconsistent in various places. Some places believe that if you borrow 10, the annual interest should not exceed 24000. Yuan."

"Even some online loan platforms borrow 10 yuan, and the annual interest is close to 36000 yuan. They claim that the annualized rate does not exceed 36%, but if the repayment is based on equal principal and interest, the actual annualized interest rate is 60%."

As a doctor of law, Feng Qingsong has a clear understanding of judicial provisions, "The previous judicial interpretation stipulated that the annual rate limit of private lending was 24%. Because private lending usually pays interest first, the default loan is 2400 yuan, and the annual interest limit is not more than [-]%. [-]."

"Later, considering the actual situation, if the two parties reach a consensus, the annual interest limit for borrowing 3600 yuan will not exceed 24 yuan, and the part with an annual interest rate exceeding [-]% will not be protected by the judiciary."

In layman's terms, if there is any lending platform that lends you 10 yuan, and you repay it for one year, the interest cannot exceed [-] yuan at most.

The portion of the interest exceeding [-] does not have to be repaid, because this portion of debt interest is not protected by law.

But the irony is that the groups most affected by online lending are often low-age, low-income and low-educated groups.

They don't know how to calculate the real interest rate on borrowing, they just feel that it is expensive, and then they have to borrow again.

"There are quite a lot of such small loan companies in Puhai. I heard a real case before. A rural woman mustered up the courage to go to the loan company to borrow 3000 yuan so that she can continue to support her child's education."

"In the end, she couldn't receive the verification code on her mobile phone, couldn't make the payment, and left disappointed. The salesman of the loan company laughed at the rural woman unscrupulously."

"The hemp rope is only broken at the fine points, and bad luck only finds the poor." Feng Qingsong sighed with a heavy expression.

Zheng Wentong talked with Feng Qingsong about the common routines of loan companies, such as the inconsistency between the contract amount and the loan amount.

The loan platform calculates the loan service fee and the insurance premium separately to avoid the 24% upper limit of the loan interest rate, charge high liquidated damages for early repayment, obtain user address book information in violation of regulations, and so on.

Feng Qingsong was more and more surprised when he heard that Zheng Wentong knew the operation process of the small loan and online loan industry very well, as if he had been immersed in the Internet industry for several years, and he outspokenly judged that the P2P financial management platform may have the risk of thunder.

If he sorts out today's conversation, he can write several high-quality papers.

From a judicial point of view, he can discuss with domestic legal experts how to avoid and resolve potential risks in the Internet financial industry.

He couldn't help but feel very happy, "Our teachers and students can cooperate to write a few papers on Internet finance."

Zheng Wentong shook his head and quickly refused, "My behavior is to cut off people's fortunes, so there is no need to show off the limelight."

Feng Qingsong nodded to Zheng Wentong, "You, you are really a little cunning, let others do the charging, and watch the fun behind your back."

Zheng Wentong denied, "The main reason is that I am a soft-spoken person, so I can't listen to the sky. You are a giant tree, and a few clowns can't do anything to you."

"I suggest that this kind of professional article may be published as an internal reference first. In fact, there are already many doubts about small loan companies and online loan companies in the market, but they have not attracted enough attention."

"In some places, such online lending companies are even made into star companies, and they are given endorsements, hoping to create a listed company."

"The Internet finance industry needs to carry out top-level design from top to bottom. Things can be divided into steps. For example, yin and yang contracts are explicitly prohibited, service fees and insurance premiums are not allowed to be included in the contract amount, and the loan amount of the borrower is consistent with the loan amount. Violent collection is strictly prohibited."

"After the industry standards are unified, good money will naturally eliminate bad money. If two platforms borrow 10 and pay it back in 12 installments, everyone will choose the platform with low interest."

"It's like users go to the bank to save money. As long as they don't get high interest rates, everyone will definitely be willing to deposit money in rural commercial banks with higher interest rates."

Feng Qingsong is a Yangjiang scholar, enjoys expert allowances, is also an executive director of the Huaxia Law Society, and a consultant to the National People's Congress of Central Chu Province. His articles are often published in internal reference.

If Feng Qingsong realized something, "I'm afraid you've been eyeing me for a long time, kid? It's strange to me. You are obviously the dean of the School of Information and Security Engineering, but you invite me, the dean of the Law School, to be the supervisor of the Slope Public Welfare Foundation. My salary doesn’t seem to be easy to get.”

Zheng Wentong smiled sincerely, "Dean Feng, you have misunderstood me. Although I have never taught you, you have taught me after all."

Feng Qingsong was a little skeptical, "Really? Why don't I remember it?"

"You are a noble person who forgets things. I am a freshman in the class of 09. In my sophomore year, I represented the school in the Beihu Five Schools Debate Competition. As the team leader, you have also tutored us."

Feng Qingsong suddenly recalled, "I said, I saw that you looked familiar, so it was so. You didn't mention it on purpose, do you want to test the teacher's memory?"

"How dare I, I respect every teacher in the University of Finance and Economics, and I plan to recruit a group of fresh graduates in computer majors to join Weike Xinke when I come back this time."

Feng Qingsong smiled and said to Meng Qian, "Boss Zheng is indeed a slicker. When hiring people, he thinks of our law school, and when recruiting people, he only thinks about computer science."

(End of this chapter)