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

Chapter 111 Unfermented Negative News!

Feng Qingsong's article "Beware of Internet Financial Scams, No Regulatory Vacuum in the Online Loan Industry" published on Internal References attracted high-level attention. Feng Qingsong was also invited to give a lecture to the leaders of the West Academy.

On December 12, multiple departments jointly issued the "Guiding Opinions on Promoting the Healthy Development of Internet Finance".

According to the guidance, on December 12, the local banking. Regulatory.

The content of the notification mainly includes the following points:
Platforms and institutions that do not have specific borrowing qualifications should immediately stop illegal lending;

Financial institutions holding licenses for small loan companies, online loan companies, and consumer finance companies operate in strict accordance with laws and regulations, and the actual comprehensive annualized interest rate shall not exceed 24%; no additional fees shall be charged outside the contract;
No "bank contract", "blank contract" or "false contract" shall be signed. The original loan contract must be given to the borrower, and the online loan platform must provide an electronic version of the loan contract for the borrower to download.

It is not allowed to create a false impression that the entire loan amount has been delivered to the borrower by creating bank records, and it is not allowed to turn unreasonably high interest rates and penalty interest into new loan principals by creating bank records and signing serial loan contracts.

Do not intentionally cause the borrower to overdue due to reasons and methods such as non-response to text messages, non-answering calls, or lack of financial availability, and must not use unfairly high liquidated damages and penalty interest as the main profit method.

It is not allowed to illegally sell or dispose of the borrower's vehicle or house by means of vehicle mortgage, pledge, house online signing, etc., and embezzle the borrower's property.

Violent collection or soft violence collection shall not be used to use insults and intimidation, to destroy personal reputation, to restrict personal freedom, etc.

As soon as the notice came out, the small loan companies were turbulent, and the borrowers were all excited. Hou Hongbo of China Transcript could not help complaining to Zheng Wentong. Now the industry requires self-correction and self-inspection, and the rectification must be completed within 180 days. The small loan license of China Tranxin will be revoked.

Zheng Wentong asked Zheng Anguo to pay attention to the actions of the letter, and went to the meeting of the letter if he had nothing to do, and told Zheng Anguo to be a man with his tail between his legs during this time, and not to cause trouble for him.

His butterfly has begun to flap its wings slowly, and it is hoped to change the chaotic ending of the Internet financial industry.

Borrowing, a lending platform under Internet companies, Gold Bars, Youqianhua and several leading consumer finance companies are all in favor of this.

Although their interest rates are higher than those of banks, they are lower than those of small loan companies and online loan companies on the market, which can just increase their market share and allow small and micro enterprises, self-employed individuals and ordinary consumers who cannot borrow money from banks beneficiary.

My girlfriend Bai Xiaolu has already started shooting Bulgari advertisements. The advertiser is Puhai Ziyi Advertising Co., Ltd., which I have worked with before. This company is responsible for producing outdoor print advertisements where Bai Xiaolu endorses Bulgari. In January next year, Bai Xiaolu The offline advertisement will appear on the outer wall of the square in Puhai City.

After filming the commercial, Bai Xiaolu returned home and did not forget to care about her boyfriend's career, "Husband, why hasn't your Wei Toutiao Creator Conference held yet?"

"There are other things to be busy in the past two days, and we also want to invite creative experts in various fields of Wei Toutiao to the scene, coordinate the time, and invite other investors, because when the creator conference is over , Weike Xinke is about to start its A-round financing." Zheng Wentong rubbed his temples lightly.

Bai Xiaolu sat behind her boyfriend and gave him a head massage, "Too tired these days? If you are tired, you can go to the spa in the community club to relieve your fatigue."

"Forget it, every time I go to the club, I always meet a few familiar faces and want to talk to you about cooperation. I used to relax, not to make friends."

"The last time Huang Bo and Wang Xun came to Puhai to record "Extreme Challenge", he said that he was not popular before, and everyone in the crew was careful. When he becomes famous, the crew will be full of good people, surrounded by smiling faces."

Bai Xiaolu deeply felt the same way, "I used to be a model in an online store, and there were a lot of intrigues, but when I joined the crew of "Ode to Joy", I was very friendly."

"This is not good. A hypocrite is more terrifying than a real villain. Maybe she still smiles at you today, and turns around and sells your news to others."

Zheng Wentong originally wanted to chat with his girlfriend about why Ju Meiren happened to go to Shangfang Garden to take a photo, but he gave up after thinking about it.There is no need for Xiao Lu to be exposed to the darkness of society too early, let her heart be bright, as long as she is not stupid and sweet.

Bai Xiaolu rubbed her boyfriend's head for a while, then looked at her boyfriend's ears, "Lie on my lap, and I'll clean your ears."

Zheng Wentong lay sideways on his girlfriend's lap, and closed his eyes comfortably. The couple were chatting with each other, and the two kittens, Ruby and Sister, were playing in the living room. The winter sun shone into the living room, which felt very warm.

"By the way, when I came back just now, I ran into Zheng Anguo, with Yu Qiao." Bai Xiaolu raised his mouth.

"Yes, I asked him to talk to him about the business of Tran Letter. The major shareholder of China Tran Letter, Rongxin Industry Fund, is going to transfer the equity of China Tran Letter. I asked Anguo to take over."

"Isn't the introduction of the "Guiding Opinions" and "Notice" for the Internet finance industry bad news for small loan companies? Others are rushing to make a move, so why take over the transaction?" Bai Xiaolu asked her boyfriend.

"People abandon me, others take me, the mainland property market soared, Li Chaoren ran away, the U.S. stock market hit a new low, and Buffett bought bottoms. My father made his fortune in a pawn shop. The private lending industry has a history of thousands of years, and it is absolutely forbidden. No."

"I'm actually very disgusted with the so-called innovation in the Internet financial industry, what finance + technology, like banks, is not a pawn shop thinking of low income and high selling."

"Now we start to pay attention to big data, and then we emphasize good credit records and various credit scores, but the credit report cannot be a basket, and we want to put everything in it."

"Some people even want to include phone bill shutdowns, water and electricity arrears, and voluntary blood donations into the credit reporting system. They don't get credit for those who should, and want to evade supervision. They squeeze those who shouldn't, just to save trouble." Zheng Wentong felt a headache.

Bai Xiaolu was curious, "Didn't Zheng Anguo and Yu Qiao have an affair before? Why didn't you change Yu Qiao's position?"

"I reminded Zheng Anguo before that the two of them can only be considered to have a good impression of each other at most. If Yu Qiao is transferred from the letter business, it will actually confirm the office romance between the two."

"That's unless Yu Qiao resigned from the company and completely left the slope department. Believe it or not, if I transfer Yu Qiao to another branch, the first gossip in the office will be that she seduces other people's husbands and wants the mistress to take over the position." Zheng Wentong Explanation.

"What if your employees are exposed to negative news such as cheating?" Bai Xiaolu asked her boyfriend.

"Cheating is immoral, but it is not illegal. If ordinary employees can handle housework well and do not affect their work, according to the company regulations, they will be transferred to another job. If they change jobs, their salary will be lowered by two levels. If they do not participate in the annual selection, their year-end bonus will be reduced." Half."

"If it involves pornography, gambling, drugs, or even crimes, the labor contract must be terminated. If the company's reputation is damaged, civil compensation will be pursued. After all, I have nothing to do with gambling or drugs."

The two were chatting when Zheng Wentong's cell phone rang suddenly, and his girlfriend picked up the cell phone, "Sister Li Fang is looking for you."

Zheng Wentong sat up and connected the phone. Zheng Wentong's smile disappeared in an instant, and his expression was serious. Zheng Wentong pointed to the mobile phone. His girlfriend knew that the call involved Pony Gallop's business, so she obediently went back to her room to play with her mobile phone.

"Has this been confirmed?" Zheng Wentong felt a headache. "Tucao Conference" will be released next month. Zheng Wentong originally planned to announce the semi-annual report of Yanjing Galloping Pony before the Spring Festival, so as to enlighten the investors of Galloping Pony. Take a look at the family background and prepare for the IPO next year.

Zeng Mouyu, as the director of the board of directors of Galloping Horse and the general manager of Galloping Horse New Media Co., Ltd., a negative news appeared, which was also a fatal blow to the company.

"A staff member of Galloping Horse New Media inadvertently saw Pengyu's small Weibo account, which pushed some bad content. And Pengyu also reposted it with a large account, so far there is no evidence to prove it." Zhong Lifang also found it incredible.

"Call the police! You call the police now! Stabilize him first and let the police intervene. If this matter is exposed by the outside media first, we will fall into a passive position."

"I'm going to contact Chairman Wang Shan of Puhai State Investment right now to communicate in advance. You should prepare for the board of directors immediately, remove Zeng's qualifications as a director, and resolve all his positions in Galloping Horse. Tell Guo Yan Let her prepare in advance, I am going to nominate her as the new director."

Zhong Lifang on the phone couldn't bear it, "Should I investigate internally first, after all, it hasn't been confirmed yet?"

Zheng Wentong's tone of voice suddenly changed, "Have you lost your mind today? A person who is usually very smart is confused at a critical moment?"

"As a public figure, he has obtained a higher income and social status by virtue of his fame, so he should strictly restrain himself. No matter whether this matter is verified or not, Galloping Pony will not have his place, let him go as soon as possible !"

"If there are other people in the company who question my decision and try to intercede for someone Zeng, let him pack up and leave!"

(End of this chapter)