Gold Investor

Chapter 106 Internet Finance (2)
Jiang Ruobing also said: "The last one, don't expect a once-and-for-all risk control strategy, but dynamically adjust it during offense and defense. Fraud and anti-fraud are eternal topics. Today is the height of the road, and the height of the devil. Tomorrow, the height of the devil will be one foot. The road is ten feet high. Building a risk control model is not like decorating a house. If you use the materials well for the first time, you can manage them for ten or eight years.”

After listening to Jiang Ruobing's "five things to do and five things not to do", Fang Yubin pondered for a long time.Despite the halo of the new economy on Internet finance, in the final analysis, the essence of Internet finance is finance, and the essence of P2P is loans.Finance is a very broad industry. Those who do stocks, insurance, or those who have been immersed in the investment industry for many years like myself, really want to make loans, but there is actually a mountain in between.

For example, in investment companies, there are more or less personal heroism.As long as the boss's vision is poisonous and accurate, and he votes for a project correctly, it can often turn things around.However, the chain of P2P financial business is longer, with more links, financing end, asset end, risk control end, every link must be leak-proof in order to win the whole war.At this time, the boss is superhuman and unreliable, so he can only rely on the strength of the team.

Fang Yubin blurted out a sentence: "In my personal understanding, for P2P financial platforms, 80% of success depends on the team, and 80% of failure depends on the boss. Only a good team can guarantee that the chain will not be lost, otherwise risks are everywhere."

Seeing that Jiang Ruobing remained calm, Fang Yubin asked, "Why, do you think I'm wrong?"

Jiang Ruobing said: "It's okay for you to say this, but if it comes from me, President Yuan may not be too happy to hear it."

Fang Yubin laughed: "It seems that you care about your boss's feelings."

Jiang Ruobing also smiled: "In the company, Mr. Yuan often said something to us - it is immoral for a subordinate to speak ill of a superior; it is incompetent for a superior to speak ill of a subordinate."

At this time, Fang Yubin's cell phone rang.When he looked at the call number, he raised his head and said to Jiang Ruobing, "Say Cao Cao, and Cao Cao will be there." He swiped the answer button and said, "Mr. Yuan, what's the matter?"

2 People are in the rivers and lakes, involuntarily

Yuan Ruilang's tone was relaxed: "It's a big weekend, where are you hiding?"

Fang Yubin smiled and said, "I'm having lunch with one of your beautiful subordinates."

"My subordinate? Who?" Yuan Ruilang asked.

"It's Jiang Ruobing." Fang Yubin talked about his encounter with Jiang Ruobing when he went to a used bookstore.

Yuan Ruilang joked: "You and the beautiful woman are so destined, Su Jin won't have any objections, right? Be careful that I will report you."

Fang Yubin laughed and said, "It's up to you." He then asked, "By the way, what do you want from me?"

Yuan Ruilang said: "I'm asking you to meet another big beauty." After a pause, he said again: "You still remember what I mentioned before, I want to invite a celebrity to speak for Yijia Financial Holdings. I have already I found it, and we made an appointment to meet in the afternoon."

Yuan Ruilang mentioned the matter of asking a celebrity to endorse him before.Fang Yubin feels that financial companies do not sell daily consumer goods, so there is no need to spend money to hire image spokespersons.Yuan Ruilang believes that Yijia Financial Holdings adheres to the principle of high investment and generous investment, and must speak with style in everything.Moreover, inviting a celebrity to be a spokesperson can send a signal to the outside world that the money is not bad, which is more conducive to absorbing savings.Under Yuan Ruilang's insistence, Fang Yubin did not object any more.

"Which star did you find?" Fang Yubin asked.

Yuan Ruilang said, "Chu Man, we all know each other."

"It's her!" In Fang Yubin's mind, this charming young lady of the Hua family appeared in Fang Yubin's mind, and she is now a hot and beautiful young woman in the film and television circle.Since starring in a movie shot by Zhao Xiaoyu, Chu Man ushered in the second spring of her artistic life.She took on many films and stepped into the ranks of first-line actresses.

Fang Yubin hadn't contacted Chu Man for a long time, but he often read about her from the Internet and newspapers.Today's Chu Man not only takes on a lot of dramas, but also often shows affection with her husband Hua Shouzheng on Weibo.When the Jinsheng Group was in turmoil, the story of her and Hua Shouzheng's inseparability was also featured in the media, and she seemed to be a good wife and mother in the entertainment industry.

Whenever he saw these news, Fang Yubin would always laugh to himself.What is the relationship between Hua Shouzheng and Chu Man, I am too clear.But after thinking about it, since he is an actor and can act on the screen, can't he act on social media?

Yuan Ruilang said: "Chu Man has followed the route of being a mature, stable, good wife and mother over the years, which is more in line with the positioning of our company. If it is really those hot and unrestrained girls, I don't want it. I have made an agreement with her. In the afternoon Meet at a cafe near Lujiazui at 4 o'clock."

Fang Yubin said: "Chu Man has become popular in recent years, and asking her to speak for her will cost a lot of money."

Yuan Ruilang said with a smile: "That's why I invited you to come and bargain for me. Since Ruobing is with you, let her come too."

For meeting celebrities, Jiang Ruobing has little expectations.She kept asking Fang Yubin, Chu Man and you are old friends, and they have collaborated on a film before, how is she like?The outside world said that she and her husband are very affectionate and their family life is very happy. Is it true?

Fang Yubin was unwilling to answer these questions, and always changed the topic.On the way to the coffee shop, Jiang Ruobing took out her mobile phone and swiped through WeChat, and saw a piece of news that the equity war in Qiancheng was on the rise again, and a real estate company in Guangdong broke in suddenly and wanted to acquire Qiancheng's equity.Jiang Ruobing couldn't help being driven by curiosity, and asked again: "I heard that you used to be in charge of the Qiancheng project at Rongding. What happened to the equity war? One Huahai is not enough, why did you kill another company? Is Wang Cheng real? To be evicted?"

The matter of Qiancheng had already been settled in Taipei.Now there are newcomers joining the fundraising battle, but all parties work together to fulfill their respective promises.With newcomers entering the game, Wang Cheng wanted to restore the balance of the shareholding structure, Fei Yunpeng wanted to regain the throne of the largest shareholder, and Zhao Xiaoqing wanted to ship the goods quickly so that the funds could withdraw safely.

Naturally, these inside stories cannot be told to outsiders.Fang Yubin still shook his head: "I have already left Rongding, and these big businesses are not my concern. I'd better think about how to recover the money released by Yijia Financial Holdings on time. , It’s all the hard-earned money of investors, and I dare not be careless for a moment.”

Jiang Ruobing pursed her lips: "It seems that I asked a question that shouldn't be asked."

Fang Yubin said: "I can only tell you, whether it's the equity dispute or Chu Man's private life, listen to what people say. If you really want to believe it, it's not worth it."

Chu Man and her manager were more than ten minutes late.Chu Man repeatedly said sorry, and explained that the traffic on the road was too heavy.Ever since the entanglement on Saipan Island, Fang Yubin would try to avoid Chu Man as much as possible, and would blush unconsciously when they met occasionally.Chu Man put those things to the winds, and shook hands with Fang Yubin generously.

Yuan Ruilang and Chu Man have known each other for a long time, so they don't have much admiration for this big star.At any rate, I was the one who discussed business with your father-in-law back then, but it wasn’t me who was so discerning and invested in Zhao Xiaoyu’s movie, you’re still a fart!Seeing that the other party was late, Yuan Rui teased: "You are a big star now, so why not be late for a while? I thought I would have to wait for more than an hour, but I didn't expect it to be more than ten minutes. It was already unexpected."

Chu Man patted Yuan Ruilang's arm, and acted coquettishly: "Isn't he late for a while? See what you said!"

After Chu Man sat down, she recalled what happened back then, and said that without Yuan Ruilang and Fang Yubin investing in that movie, she would not have the idea of ​​coming back to filming.Yuan Ruilang waved his hand and said, "We are all old friends, so let's save the past for now. I came to you today to ask for your help. Now I am starting a business in the sea, and it is in the initial stage. I need your support."

Chu Man said: "You mean to speak for your company? Isn't it just to take a few photos and attend a few press conferences? You just order such trivial things, how dare I say no."

"Cheerful!" Yuan Ruilang laughed.

Chu Man said: "I really don't need Mr. Yuan to come forward in person for this kind of matter. You can arrange someone to contact my manager."

"Don't mind! I'm most afraid of dealing with agents, so I'd better talk to you directly." Yuan Ruilang said, "There was a great calligrapher in the Republic of China. It is said that he was very old-fashioned and warm-hearted. When anyone came to ask for calligraphy, he would always agree, and he was a little familiar with it. People who don’t even take money.”

Yuan Ruilang also said: "This man has a wife, a tigress, and she is fierce. Every time the calligrapher helps a friend finish inscriptions and he goes out happily, his wife will always catch up with him, ask for the inscription money, and say My husband is a deadhead. He doesn’t care about anything except writing. The family’s expenses are high, and he has long been unable to make ends meet. When she said this, is her friend ashamed not to give money? These things spread to the calligrapher’s ears, and he sighed, saying that his fame and ruin In the hands of this evil woman. But after a long time, everyone also came to realize that you and your wife are not singing a double reed?"

Chu Man's manager was a pretty woman. After hearing Yuan Ruilang's story, she smiled and said, "Yuan always said that our manager is the same as that tigress?"

Yuan Ruilang said: "I'm really worried that the big star Chu will sing the oboe with her manager. She first agreed, and then handed over the black face to others to sing, and then killed me. So, it's rare to see a big star. Finalized."

What Yuan Ruilang said was not only a joke, but also the truth.Fang Yubin echoed, "Mr. Yuan is right. Celebrities can't just express their opinions, they have to put things into practice."

"Okay! How do you say it will be implemented?" Chu Man said.

Yuan Ruilang said: "In two years, a total of 500 million endorsement fees, how about it?"

Chu Man remained silent, and the agent next to her said, "In today's market, the endorsement fee for top domestic stars is usually 2000 million for two years, and for first-line stars is around 1000 million. Sister Chu has just finished filming a few movies. Word-of-mouth is overwhelming. Of course, you are friends, and you shouldn’t care about how much money you have. It’s just a price of 500 million, which is equivalent to downgrading yourself to a second-tier actor, and it will be troublesome to spread the word.”

"I just said the manager is great." Yuan Ruilang laughed, "Chu Man, don't push the manager ahead, just tell me how much money is right?"

Forced by Yuan Ruilang, Chu Man had no choice but to say: "I just signed an endorsement contract last month, 1000 million for two years. If it is lower than this price, I will not be able to explain it to others. But our relationship is not normal. Otherwise, the contract is signed at 1000 million, and I only charge 800 million in private?"

Based on Chu Man's market price, 800 million is indeed a human price, but now that Yuan Ruilang is in business on his own, he cares about every penny.He said: "Let's lean in the middle, how about 600 million? The company has just been established, and the funds are very tight. Since we are friends, we need to support more."

Chu Man didn't speak, but she had a troubled expression on her face.Fang Yubin said at this time: "Mr. Yuan, don't embarrass Chu Man, the price given by him is already an internal price."

"Yu Bin is right." Chu Man nodded in agreement, but Yuan Ruilang looked surprised.Fang Yubin, Fang Yubin, I asked you to bargain for me, why did you speak for Chu Man instead?Did you feel dizzy when you saw a beautiful woman?Don't forget, you are now an investor of Yijia Financial Holdings, and every penny you give to Chu Man has to be taken out of your pocket.

Fang Yubin also said: "In terms of price, Mr. Yuan shouldn't worry about it. It's just that after Chu Man gets the money, he might as well put it on the platform of Yijia Financial Holdings to continue financial management. Put 800 million with Mr. Yuan for two years, and the profit will be huge. No matter what, there are more than 1000 million. Isn’t this everyone’s happy?”

Yuan Ruilang understood as soon as he heard it - Yijia Financial Holdings paid Chu Man 800 million endorsement fees, and then Chu Man put the money into Yijia's platform and became an investor.Going around like this, Yijia doesn't have to spend real money for the time being.He secretly laughed in his heart, Fang Yubin, this kid, has a really good brain.

Chu Man was dubious: "There are many wealth management companies in the market today, and there are many P2P financial platforms. Are they reliable?"

Yuan Ruilang raised his voice: "If it is unreliable, I will resign from the executive position of the investment company and give up several million annual salary to start a business? Investors who put their money in Yijia are not smiling and making a lot of money ?”

Chu Man said: "Two years is too long, can one year be enough?"

"It's also possible." Yuan Ruilang said, "It's just that if you put money on our platform, the one-year interest rate is quite different from the two-year interest rate. To be honest, many people want to invest in our two-year wealth management products. I don't agree."

Chu Man said: "I don't know much about financial management, I just want to be safe."

Yuan Ruilang took a sip of coffee: "You can say this now, but don't say it in the future. You are the image spokesperson of our company, and you want to promote the concept of healthy financial management to the public. How can you say that you don't understand financial management?" , everyone laughed.

The endorsement was finalized, and everyone was finally able to express their friendship freely.Talking about the past when they made a movie together, the three talked and laughed happily.When the conversation got heated, Chu Man suddenly asked, "Where did that girl Tong Xiaozhi go? Don't tell me, I still miss her."

Chu Man didn't know about many things that happened later, and this question was purely unintentional.Fang Yubin didn't like it, the smile on his face froze suddenly.Yuan Ruilang probably knew something about Tong Xiaozhi.He knew that Chu Man's question was inappropriate, so he came out to help: "Tong Xiaozhi went abroad to get married. It's all your fault. I told the little girl that a woman would rather meet Wei Xiaobao than Yang Guo, so she got married in a hurry." After Tong Xiaozhi went abroad, Then there was no news, so the so-called marriage was naturally said by Yuan Ruilang casually.

"I said Yubin, why do you report everything to the old leader? You don't even miss our chat on the plane." Chu Man did say that women would rather meet Wei Xiaobao.Yuan Ruilang was not there at the time, so it must have been Fang Yubin who spread the word.

Fang Yubin said: "I think this discussion is very exciting, so I will share it with my friends."

Seeing that he had successfully diverted away the sensitive topic, Yuan Ruilang took the opportunity to take the topic out of the conversation: "Chu Man, it seems that you have a lot of research on martial arts novels, Jin Yong or Gu Long, who do you like more?"

The rivalry between Jin Yong and Gu Long is a topic that many people talk about.When Yuan Ruilang asked such a question, everyone said what they said.Jiang Ruobing, who had rarely had the opportunity to speak before, also joined the discussion.

Chu Man’s insights are still unique: “Jin Yong and Gu Long each have their own merits, and who is higher and who is lower depends entirely on the tastes of the readers. But in one point, Gu Long may be better. Jin Yong has created many popular sentences, such as ‘The Greatness of the Hero’ Or, for the country and the people''If you want to practice this skill, you must first come from the palace''It is useless to be a hero if you don't know Chen Jinnan'... When these words are mentioned, people will naturally think of Jin Yong. However, Gu Long created another sentence The classic line has almost become the catchphrase of everyone. It is because the popularity is so high that when it is mentioned, people will not remember Gu Long at all."

"Which sentence is it?" Everyone asked impatiently.

Chu Man put her hands on her knees, and said gracefully: "People are in the rivers and lakes, and they can't help themselves."

3 I am greedy when others are fearful. Is this kind of thinking correct or not?

In the past half a year, the business of Yijia Financial Holdings has been booming, and the transaction amount on the platform has reached new highs.What made Fang Yubin even more gratified was that another project he invested in, the Dream Theater live broadcast platform, was also well managed by He Zhaowei, and it firmly occupied a place in the highly competitive live broadcast market.

On this day, Fang Yubin and He Zhaowei walked out of the plane cabin one after the other, both of them had smiles on their faces.This trip to Hong Kong has been fruitful. Dream Theater has successfully acquired an e-sports company, making itself even more powerful.

In today's live broadcast market, integration has become the general trend. Many live broadcast platforms choose to cooperate with e-sports companies, making the live broadcast platform a place for game lovers to watch e-sports.Sensing this trend, He Zhaowei contacted several influential e-sports companies hoping to acquire them, but the offer was very high and the transaction was difficult to reach.

(End of this chapter)