Gold Investor

Chapter 92 Equity War (5)
Fang Yubin shook his head: "This model is meaningless. To put it bluntly, it is just a traditional financial company opening a Taobao store online, moving offline transactions online."

Yuan Ruilang smiled and said, "So, I'm just talking, I don't intend to do it."

Fang Yubin asked: "You mentioned four models of Internet finance, but they were all ruled out one by one. So what exactly are you going to do?"

Yuan Ruilang said with a smile: "There are roughly five models of Internet finance. I ruled out four, so naturally I will do the last one."

"You mean P2P finance?" Fang Yubin asked.

"That's right." Yuan Ruilang nodded and said, "We all know that the English of P2P is Peer-to-Peer, which means person-to-person, and P2P finance refers to small loan transactions between individuals. The essence of this model is actually a The Internet platform connects people with small loan needs through the network, and connects people with financial management needs at the other end. Splitting it in two is a financial management platform plus a small loan platform.”

Yuan Ruilang also said: "In the past, small and micro loans were kept away from banks because of their high cost, but in the Internet age, all this will change fundamentally. Effective technical means provide the possibility to meet the financial needs of huge ordinary individuals. Banks are unwilling What we do, P2P finance can do. At present, the most successful platform in the world is Prosper in the United States. My goal is to create a Prosper in China.”

Yuan Ruilang became more and more excited as he talked: "As we all know, China's small and medium-sized enterprises have been troubled by borrowing difficulties, and China's savings are astronomical, which shows that private wealth cannot find a suitable investment channel. Being able to flock to real estate, making housing prices inflated, is outraged. Doing P2P finance is to guide huge private wealth to industries that really need it.”

Fang Yubin does not deny that P2P has broad prospects in China, but he also disagrees with Yuan Ruilang's self-boasting and unlimited exaggeration.It seems as if starting a company by yourself can solve all the stubborn economic problems such as high housing prices and weak industries.Fang Yubin reminded: "P2P finance has been very popular recently, and most domestic companies entering Internet finance also choose this model. But there are two problems here: first, the entry threshold is too low, so that good and evil are mixed, and some platforms have registered capital of dozens of In the end, hundreds of millions of funds were absorbed, which is completely illegal fundraising and a Ponzi scheme; second, the success of Prosper in the United States is based on their sound credit rating mechanism. The cost is very high, but in China, if you release the money you have absorbed, what should you do if someone does not pay back the money?”

"It's true that there are good and bad people entering this industry, but can I compare with them?" Yuan Ruilang looked confident, "Some people just come in to make money, and when the market is washed away by the market, they will eventually show their true colors. But I really thinking about doing something."

Yuan Ruilang went on to say: "I have already thought of a solution to the problem you raised. Yes, China's national conditions are different from those of the United States. We cannot copy other people's models. We cannot be a pure platform like Prosper. Don't get involved in the transaction, let the lender and the lender trade directly. I have to 'emphasize' the business model, not only to provide services like foreign P2P companies, but also to acquire customers through online and offline means credit rating, and do things in multiple links in the industry chain.”

"It's a big taboo in running a business to take the initiative to 'emphasize' the business model." Fang Yubin questioned.

"The epee has no edge, and the great skill does not work." Yuan Ruilang said, "In the face of China's national conditions, only by doing 'heavy' first can we obtain sustainable competitiveness. What you said is just the normal, but how can you stick to the normal when you are an enterprise? When I first came, I wanted to be like Prosper, to be a drop-off agent, how could it be possible!"

Fang Yubin said: "Nowadays there are many P2P finance companies. What is your magic weapon? I remember that in Rhodium, you once said that when faced with entrepreneurs who are looking for investment, let them speak out directly. There are so many companies in the market. , why should I invest money in you?"

"I said that before." Yuan Ruilang laughed loudly, "But do you remember, I also said that investing is investing in people! Nowadays, there are many P2P companies, some rich second generations, asking their father for several million, They can also tinker with a P2P platform. But can they compare with me? When it comes to qualifications, abilities, and connections in the financial circle, none of the P2P bosses on the market can compare with me."

Yuan Ruilang said: "In just over half a month, I have raised more than 3000 million start-up funds. The owner of a biotechnology company in Ningbo relied on my investment to grow, and now the assets are several hundred million. I went to find him I invested money and asked my assistant to write a plan overnight. As a result, people threw the plan aside and said that just based on the three words 'Yuan Ruilang', they immediately invested 1000 million in."

"You will be at the helm of the new company, so investors can rest assured." Fang Yubin complimented Yuan Ruilang, and then changed the topic, "But the company cannot be supported by one person alone. Have you found the management team below?"

Yuan Ruilang said: "The team is basically set up. The administrative director is my secretary before. This kid has been with me for many years and has almost experienced it. He can take the lead. The technical director was poached from an IT company in Beijing with a high salary. Tsinghua University Master's degree. There is also the chief financial officer, who came from a foreign bank. She has worked in both state-owned banks and foreign banks, and is a professional in lending. By the way, she is a beautiful woman. I will introduce you later. Now Gao In the management team, there is only one CEO left, and I have specially reserved this position for you."

"Thank you!" Fang Yubin smiled slightly, and then changed the topic, "The 3000 million start-up capital should be almost there. When is the platform going to go live?"

"Not in a hurry." Yuan Ruilang waved his hand, "For many P2P platforms, 3000 million is more than enough, it is more than enough. Someone can build a P2P platform with a few million, which is nothing more than renting an office. Create a website, and recruit a group of salesmen to promote business. Can I be like them? To do it, I have to do something serious. Recently, I am still trying to find ways to raise funds. When my own funds reach 5000 million, the platform It was officially launched. In short, we are high-investment, high-starting, we are born in the prime of life, and we have established a benchmark position in the entire industry."

Yuan Ruilang cast an earnest gaze: "How about it, let's join forces?"

Fang Yubin frowned slightly, folded his hands on his chest, and fell into deep thought.Yuan Ruilang only thought that he was seriously thinking about his suggestion, and didn't say any more, just sipping tea patiently.

Personal advances and retreats are not within the scope of Fang Yubin's thinking.Xinglan Capital is already on its way. There, I am the leader who can dominate the world, and there is no need to come to Yuan Ruilang to be subordinate to him.What he weighed was whether Yuan Ruilang's ambitious plan was worthy of his attention and investment.Letting the investment company's money lie on the account is tantamount to keeping the product backlog in the warehouse.Naturally, Fang Yubin has to look around for potential projects. Will the booming P2P finance be a gold mine?

Having worked hard in the investment industry for many years, Fang Yubin has already cultivated a pair of piercing eyes.When he observes a company, he usually focuses on three aspects: one is the industry, the other is the team, and the third is the model.At this moment, he is examining Yuan Ruilang's company according to this logic.

Let me talk about the industry first. The popular concept of P2P finance undoubtedly meets the standard.Money from investment companies likes to follow suit, and there are two reasons for this.First, there are many fools in the world, but it is impossible for everyone to be fools. Collective deafness is a small probability event after all.There must be reasons why everyone is optimistic about the industry.Second, in the era of the eyeball economy, only high-profile industries will have high premium valuations.Regardless of whether it is sold or listed, the investment company’s money must be cashed out. In this case, of course, it is hoped that the premium will be higher and faster.

Second is the team.Fang Yubin has a principle. Two similar start-up companies, one whose boss gradually grew from a street vendor, and the other who resigned from a big company executive to start his own business, he usually prefers the former.People who can make a small business bigger are used to being meticulous. Don't look at these people who are not highly educated, but their thoughts are as meticulous as hair.Although the executives of large companies have the advantages of connections and knowledge, they are inevitably extravagant and ambitious.After all, there is a big difference between working for yourself and working for someone else.What I am most afraid of is that the tempers of those executives have not changed, and they still spend their own money as the boss's money.

It is precisely because of this factor that Yuan Ruilang is not the ideal candidate in his mind.But in other respects, Yuan Ruilang's team is indeed superior. P2P finance is a new thing in China. When it comes to experience, everyone has zero.The ones who can be associated with P2P finance are probably investment companies and banks. After all, they all belong to the financial industry.Yuan Ruilang's talent is well-known, and he has also recruited experts from the banking industry. This kind of team combination can be regarded as the strongest lineup in the domestic P2P industry.Just like He Zhaowei’s Dream Theater before, live broadcasting is a new thing, and no one has tried it, but Dream Theater was born as a video website after all, and it is considered the closest industry to live broadcasting.Although they are not the same, they are similar. Once they change their careers, they will have a bit more advantage than those pure novices.

Putting aside emotional factors, Fang Yubin can score 70 points for Yuan Ruilang, a leader, and 90 points for a team.I hope Yuan Ruilang's cleverness can make up for his shortcomings, and the cooperation of the team can maximize his professional advantages.

And finally the pattern.Nowadays, there are many companies engaged in P2P finance. What makes your business model different?How to absorb deposits and lend, and how to control the risks in the middle?All of these require more detailed explanations.

Fang Yubin spoke again: "You asked your assistant to write the plan, but the boss in Ningbo didn't read it. Is the plan still there? Show me."

"Yes." Yuan Ruilang said while taking out documents from his purse, "I've been talking about investment during this time, and the plan has been kept in my bag."

Over the years, Yuan Ruilang has read thousands of investment proposals.He has broken through thousands of volumes of reading, and writes like a god. The plan written by him this time is really extraordinary.The format is exquisite and standardized, only more than ten pages, not lengthy.Open the table of contents on the first page, and every subtitle hits the key point.

"I'll go back and read the proposal carefully," Fang Yubin said.

Yuan Ruilang nodded: "I am waiting for your good news."

Fang Yubin knew that the other party misunderstood him, so he quickly explained: "Joining a new company, I don't have this plan yet. My answer is to invest in this company."

Yuan Ruilang was quite taken aback by this surprise: "Investment? You mean Rongding is here to invest?"

Fang Yubin smiled and said: "You didn't say it just now, I am the one who is excluded now, so I don't have the right to make investment decisions." He continued: "But I will contact a powerful investment company and give you an answer as soon as possible .”

Yuan Ruilang laughed strangely: "Yu Bin, have you already found your next home?"

Fang Yubin picked up the teacup: "When the time comes, let me tell you the truth."

5 Where the enemy is stronger, the more friends
When he ran the 41st kilometer, Wang Cheng's mind was almost blank. The road under his feet, the green trees and flowers beside him seemed to have disappeared.When a person is in the limit state, no matter how jumping the color is, it is difficult to form a memory point.

This is the last kilometer of a national marathon.At this time, Binhai had just finished a light rain, and a thin layer of white mist was covering the Binhai Avenue.

The subordinates by the roadside once strongly opposed Wang Cheng's participation in this marathon.At this moment, they looked at the boss expectantly again, and shouted "Come on".The reason why the subordinates opposed it was very simple. After all, Wang Cheng is almost 60 years old. For the sake of his health, he really shouldn't participate in strenuous exercise like a marathon.Wang Cheng insisted on his own opinion.In his heart, this is by no means a simple marathon!What Wang Cheng wants to show to the outside world is a demeanor that is calm and confident in times of crisis.Since the equity dispute became public, he has been pushed to the forefront.Being able to take part in a marathon in a vortex is not called the style of a general, what is the style of a general?This is a powerful response to outside doubts.How can Wang Cheng, who can run the entire marathon, be considered old? How could he easily admit defeat in the equity war?

3小时58分16秒21，最终王诚坚持跑完了全程，名列612名马拉松全程选手中的第459名。

With the support of his assistant, Wang Cheng was panting heavily, and the consciousness in his mind gradually increased.A past event from many years ago can't help but emerge.As a middle school student, he has learned all the farm work in order to reduce the burden on his family.Once, he braved the high temperature of the dog days to get into the green gauze tent that covered the sky and the sun to spray pesticides.Around 2 pm is the best time to apply pesticides, and the effect is the best, and this is also the hottest time of the day.The green gauze tent is not only stuffy, but the leaves of the crops will cut bloodstains on the exposed skin, and the pesticides will be sprayed out and landed on the skin, mixed with dust and sweat, making people want to cry.There are no bathing facilities in the countryside. Once, Wang Cheng couldn't bear it any longer. He plunged into a motorized well on the side of the road. Before he could surface, the cold well water made his legs and feet cramp instantly.Shocked and frightened, as soon as he surfaced, he immediately grabbed the cracks in the rocks with his hands and climbed out of the well.Gritting my teeth and running the marathon today, it is quite similar to the process of climbing out of the well.

At this time, the secretary came over with his mobile phone and reported to Wang Cheng that the previously edited text had been posted on Weibo: For me, this kind of extreme sports that is long and requires a strong belief is very similar to starting my own business. The mental journey of many years.Hope alternates with fatigue, the limit is accompanied by the next limit, and the ultimate desire for the goal deep in the heart... The thoughts and thoughts during the more than 40 kilometers of the marathon are a condensed restoration of my own business for many years.

This text was specially prepared for the marathon competition, and it was personally approved by Wang Cheng.The secretary was dedicated to his work, and Wang Cheng sent out this "inner monologue" a few minutes after he passed the finish line.Looking at this passage, Wang Cheng thought deeply. Wouldn’t it be more down-to-earth to write out the real thoughts in his heart, such as the story of climbing out of the machine well that came to mind just now, without using these carefully compiled words? More impressive?It was too late to regret, but Fang Yubin criticized himself for having a sense of superiority at the beginning, and it seemed that it was not unreasonable.

Wang Cheng got into the car and was about to leave the game.Although when facing the reporter just now, Wang Cheng said that today is the weekend and he would never think about work on the weekend, but when the car started slowly, he still couldn't help thinking about the equity war in his mind.

When Qiancheng took the initiative to attack, the capital leverage of the Huahai department was not blown up immediately.Although Wang Cheng had regrets in his heart, he was not too surprised.When he was in Shanghai back then, Fang Yubin insisted that Cao Bohua's use of such a high leverage ratio must not be a manifestation of his real strength, but a reserve.How could he not know what Fang Yubin could see through at a glance?The reason why he pretended to be indifferent is because the morale is so strong that it cannot be discouraged.In the first place, the opponent is not a fool. It is impossible to fight such an unprecedented equity acquisition battle without reserve funds in hand.

However, even if the opponent comes prepared and heavily defends, he still has to attack at all costs - this is Wang Cheng's strategy.It's like a football game. Seeing that the score is behind and the final whistle is about to blow, if you don't strike at this time, it will be the default failure.Attacking out may not be able to equalize the score, but defending it is meaningless.What's more, there is no impenetrable defense line in the world. As long as one's offensive is strong enough, someone will definitely make mistakes.There is not a famous saying in football - every goal is due to the opponent's mistakes.Wang Cheng just wanted to use all his strength to crush the opponent's defense and force them to make mistakes.

(End of this chapter)