Winning the new financial era

Chapter 46
Zhao Erya entered the community, gently opened the door, and tiptoed inside.

Just two steps away, I saw my mother Wang Hongxin standing in front of me.

Zhao Erya pretended to be okay, and said with a smile: "Mom, I'm back, I'm so sleepy, I'm going to sleep first."

After finishing speaking, he wanted to fool around and sneak in, but was caught by Wang Hongxin. Wang Hongxin scolded:
"What time is it? It's 11 o'clock in the evening. It's dangerous for a girl like you not to come home so late. Why did you go?"

Zhao Erya looked innocent, and said: "Mom, I'll just have dinner with a few classmates, there is no danger. Besides, someone sent me back."

After finishing speaking, he realized that he had slipped his mouth, and hurriedly glanced at Wang Hongxin.

Wang Hongxin looked at her daughter with a half-smile, and said after a while:

"It was Zhang Yida who sent you back!"

Seeing that she couldn't hide it, Zhao Erya nodded her head.

Wang Hongxin didn't say anything, stroked Zhao Erya's hair, and said kindly:

"Okay, it's getting late, let's go take a shower and rest first!
And ah!Next time you don't come home so late, you must call your mother first, and you can't get through, so your mother is in a hurry! "

Zhao Wenbin came out of the study and said gently:

"Yaya is home! Remember to call home in advance next time."

Zhao Erya said dejectedly: "My phone is out of battery and turned off!"

Zhao Wenbin waved his hand to signal Zhao Erya to go to rest first, and Zhao Erya hurried upstairs and slipped away as if she had been pardoned.

Wang Hongxin watched her daughter go upstairs, and approached her husband mysteriously, and said:
"Xiao Zhang sent him back, some of their classmates had a reunion."

Zhao Wenbin asked curiously: "Is that Xiao Zhang, Yaya's classmate?"

Wang Hongxin looked unhappy, and said again: "The Zhang Yida I told you last time is Xiao Zhang! Why did you forget that you really don't care about your daughter at all, and you only think about work every day. "

When Zhao Wenbin heard what Wang Hongxin said, he remembered it. He even asked the people below to hand over Xiao Zhang's information.So he laughed and said:
"That Xiao Zhang is not bad. In this case, you can ask Yaya to invite him to our house for dinner tomorrow. I will have a good chat with him and take care of my daughter."

Wang Hongxin also felt that this idea was good, so he catered to him and said, "That's fine, I'll go tell Yaya and tell her to ask Xiao Zhang to come to my house for dinner tomorrow."

After finishing speaking, Wang Hongxin went upstairs and knocked on Zhao Erya's bedroom door.Said: "Yaya, ask Xiao Zhang to come to our house for dinner tomorrow! Your father wants to see her."

When Zhao Erya heard it, she was a little embarrassed and said, "Mom, next time! I'm sorry!"

Wang Hongxin resolutely said: "No, it's only tomorrow. I've discussed it with your dad, so you hurry to inform Xiao Zhang. Okay, that's it! Your mother and I are sleepy too."

After finishing speaking, she went downstairs without waiting for Zhao Erya's reply.

Zhao Erya had a headache, and after thinking about it for a while, she called Zhang Yida again.

Zhang Yida had just arrived home when he received a call from Zhao Erya and asked:

"Ah, what's the matter? Yes, I just got home! What? Your parents invited me to your house for dinner tomorrow?"

Zhao Erya thought that Zhang Yida was somewhat resistant to this, so she said, "If you are in trouble, forget it! I will convince my parents."

Zhang Yida was silent for a while, and felt that he should not leave a bad impression on Zhao Erya's parents, so he said bravely, "That's fine, I'll go!"

After asking Zhao Erya's parents what they like, and the specific work units and positions of her parents, Zhang Yida hung up the phone.

Finally figured it out, Zhao Erya's father is Zhao Wenbin, a high-ranking official in Huayang District, Beijing City, a high-ranking official, and a deputy provincial-level senior official.Her mother, Wang Hongxin, is the director of the office at the Personnel Department of the Ministry of Culture.

Official family!Zhang Yida felt a little stressed, and didn't know what the meaning of tomorrow's family banquet was.

The next day.

Zhang Yida asked Zhao Erya to go shopping in the mall and bought a box of 6 bottles of Feitian Moutai. Because Zhao Erya said that his father's hometown is from Lu Province and he loves to drink, so he bought wine.

It's the first time we meet, and their family is sensitive, so it's not appropriate to send something too expensive.

For Wang Hongxin, Zhang Yida spent more than 1 yuan to buy a set of Lancome cosmetics.Women are born to love beauty, so it is right to buy this.

By the way, I also bought a set of Dior cosmetics for Zhao Erya.

After buying everything, Zhang Yida drove his Panamera to Zhao Erya's house.

When they arrived at the gate of the community, the armed police looked at the certificate Zhao Erya took out, and after confirming it, let him go.

Zhang Yida drove into the community and found that there was something strange inside. The houses were all single-family, not luxurious, but they were well-built and attractive.

Arriving downstairs at Zhao Erya's house, Zhang Yida parked the car in the parking space, opened the trunk, carried Moutai and cosmetics, and followed Zhao Erya into the house.

Seeing a middle-aged man standing beside Wang Hongxin, and seeing Zhao Erya call "Mom and Dad", I knew it was Zhao Erya's father.So he politely asked:
"Uncle Zhao, Aunt Wang, hello!"

Zhao Wenbin saw Zhang Yida holding a big bag and took a closer look. He felt that the young man was tall and straight, handsome, but not bad in appearance.He smiled and said:

"You are Zhang Yida, Xiao Zhang! Haha, sit inside."

Zhang Yida put the Moutai in the living room and said, "I heard from Erya that uncle you like to drink, so I bought you a few bottles of wine."

Then he handed the cosmetics to Wang Hongxin and said, "Auntie, here are the cosmetics for you."

Wang Hongxin looked at the cosmetics and saw that it was a Lancome product, and he knew it was not cheap.She shirked and said, "Xiao Zhang, why don't you just come here, why don't you buy any presents!"

Zhang Yida smiled and said, "Auntie, this is my wish, so you can accept it!"

Seeing what Zhang Yida said was sincere, Wang Hongxin didn't shirk anymore and accepted the cosmetics.

Zhao Wenbin looked at the wine Zhang Yida gave him, and when he knew it was Moutai, he feigned anger and said, "Xiao Zhang! Next time you come, don't buy such an expensive wine, just buy two bottles of Lao Bai Gan from a small shop on the roadside. Alcohol, it doesn’t make any difference if you drink it.”

Zhang Yida knew that this was a polite remark, so he let it go after a haha.

Wang Hongxin and Zhao Erya were cooking in the kitchen, and Zhang Yida was invited to follow Zhao Wenbin to the study.

Zhao Wenbin handed Zhang Yida a cigarette, lit one himself, and asked amidst the smoke:
"Xiao Zhang, I heard from Yaya and her mother that you are starting a business? You are engaged in Internet finance.

I am quite interested in this industry. Recently, there have been many such enterprises in the district, Internet + finance. Tell me about the future potential and development prospects of this industry, as well as the operating model! "

Zhang Yida knew that he was thinking about himself, so he didn't show any timidity. He nodded and began to preach:
"Internet finance is a very broad concept, which can be roughly divided into two schools.

The first group, by empowering the Internet and adopting information technology, transforms or reconstructs the traditional operation process and realizes the comprehensive electronic operation and management of traditional financial institutions such as banks, securities and insurance.

The second faction can be defined as new finance. Crowdfunding represented by entrepreneurial companies, P2P online lending, third-party payment, digital currency, big data finance, and financial portals can all be called new finance. "

Zhao Wenbin smiled and nodded. Hearing what Zhang Yida said, he probably understood the classification and definition.Looking at Zhang Yida, he asked again:

"Then your current company is doing new finance, right? What kind of finance is it?"

Zhang Yida replied calmly:

"I currently have two companies engaged in entrepreneurship in the new financial field. The first company, Ruixiang Financial Technology Group, started as a financial portal. Now it has expanded to third-party payment, and big data financial projects are also under intensive research and development.

The second company, Yimin Investment Management Company, started out as a P2P online lender, and now it has extended to wealth management and consumer credit. "

Zhao Wenbin was a little surprised to hear what Zhang Yida said. This little Zhang has only started his business for half a year, and he has already entered so many sub-sectors.The picture is very big.Tentatively asked:

"Xiao Zhang, these companies of yours have developed quite well. Do you want to enter crowdfunding, digital currency and other fields in the future? Layout the entire financial sector."

Zhang Yida talked eloquently:
"The crowdfunding industry will not do crowdfunding for commercial projects, but I prefer to do crowdfunding for charitable donations of a public welfare nature, attracting more traffic, and finally cut into the field of Internet insurance.

Digital currency will not be done directly. The most valuable thing for the financial industry is the blockchain technology behind digital currency.

The distributed storage and data non-tampering characteristics of blockchain technology can play a big role in enhancing information storage, improving the efficiency of financial services, and strengthening data security and protection. "

Zhao Wenbin is also an undergraduate, so he can basically understand what Zhang Yida said.After careful consideration, some ideas and directions put forward by Zhang Yida are theoretically very forward-looking, but it is hard to say whether they can be implemented or not.

However, seeing that he has been able to pull off such a big battle in the past six months, he is also a person with great execution and management skills, and he has great hopes for success.

In terms of commercial ability, Zhao Wenbin still approves of Zhang Yida.He continued to ask:

"Among the multiple sub-sectors of Internet finance, P2P online lending is currently the most risky one. How do you think about it, Xiao Zhang?"

Zhang Yida knew that he was talking about running away, and P2P running away has not happened once or twice so far, causing great turmoil and bad social influence.Zhengse said:
"Technology is innocent, and the people who use it are good and evil.

The risks of P2P online lending can be divided into five categories, risk of running away, risk of illegal fund-raising, credit risk, liquidity risk, and policy risk.Risks are listed in order from high to low.

The first is the risk of running away, which is mainly due to the break of the capital chain due to poor management or malicious fraud itself.

The second is the risk of illegal fundraising. On the one hand, traditional illegal fundraising has developed from offline to online, and illegal fundraising is carried out under the guise of Internet "financial innovation"; on the other hand, self-financing P2P platforms issue false high-interest "loan bids" to raise funds Used for their own production and operation, or even absconded with money.

The other is credit risk. Due to the imperfect social credit system, it is difficult to obtain relatively comprehensive borrower credit information, and it is impossible to accurately identify the credit level of the borrower and give a credit rating;

It is also difficult to query the borrower's credit record from the PBC credit system or enter the borrower's default record into the PBC credit system, and customer credit data between platforms has not been shared.It is impossible to effectively deter defaulting borrowers, and to avoid long-term borrowing.

Then there is the liquidity risk, which mainly comes from the platform’s bid dismantling behavior and commitment to guarantee capital and interest, which makes the platform bear the huge pressure of fund advance, and the platform’s own funds are often not enough to deal with the run-off situation of concentrated maturity or large-scale withdrawals. The result is liquidity risk.

The final policy risk is national supervision. The current P2P is in a state without any record and license. The sword of Damocles of supervision will fall at some point. "

Zhao Wenbin nodded. He summed it up very well. It seems that more investigation and supervision should be done on the P2P platforms in the jurisdiction.

(End of this chapter)