"Loan Bei"!

This is indeed the case. Alas, the industry is unfortunate!

Such products as fruit loans and meat repayments were promoted by this product, and they also gave wings to offline loan sharks and empowered them with the Internet.

The emergence of Diandaibei provides an online platform for offline loan shark players, making it easier to acquire customers. Diandaibei also provides a risk control system and provides collection outsourcing services.

In the past, those offline novices had no chance to get involved in Internet finance. It was lending and borrowing that provided the opportunity.

Hu Gang may have had good intentions, but he took things for granted and ended up opening Pandora's box.

Lending Bay is just a technology platform that does not touch the funds of both parties. It is only responsible for matching the transactions between the two parties and then draws a certain handling fee from the transaction amount.

The interest rate and repayment time are determined by both parties to the transaction, and users bear their own risks. The platform and related parties help collect, but do not provide any commitment or guarantee for the recovery of principal and interest from creditors.

When Zhang Yida was reborn, Lending Beidu was still alive and well, but he was not killed, which was very strange.

Just like Qvod, the technology is not blameless. If users want to mess around, what can they do?

"Brother Gang, let me remind you! Your model is not easy to implement in China.

Pure P2P has no place to survive in China's credit environment.

Take a look at Modu’s Pai Shou Dai. In the past, they claimed to be a pure P2P company, only doing information matching and not giving out the details.

Now look at it, you have been educated by society!

Now they have re-established the target and dedicated a part of the operating profits as risk insurance funds.

It has a nice name, but it’s actually to cover the bad debts that have been released and cannot be recovered.”

Zhang Yida doesn't want to care about Hu Gang's life or death. It would be better if he died and accepted the financial license inheritance as soon as possible.

But being able to persuade the other party to stop him from taking out loans can be regarded as a contribution to society.

"It's a little different from them. Ours is a loan between acquaintances.

Users can read their address book after registering with our LendingBei APP.

Through the address book, the lender can filter acquaintances to lend on the platform.

Do you know what I mean?

That is, the lender will first conduct risk control and feel that the borrower has good credit and is confident of recovering the loan before lending.

With this step, we can greatly reduce the difficulty of our risk control.

Moreover, each loan will be registered in our system. With more data, we can do credit evaluation.

The risk control of the platform will also become more and more perfect.

Another thing is that our lenders are anonymous. The lender can see the borrower’s name and other information, but the borrower cannot see the lender’s information. He only knows that he is an acquaintance, but he can’t guess who it is?

In this case, unless you are someone who is willing to risk everything, others will be in awe because of the unknown and will faithfully fulfill the contract and repay the money.

After all, most people will have one or two people they care about or are afraid of.

What if someone he cares about or is afraid of lends money to him? Because he is not sure and the borrower does not know whether it is true or not, so there is a kind of deterrence in it.

Also, this loan carries interest, and the interest is constant for both parties.

Lenders can also make money through this software. If they need to collect money, we will help them collect money.

In real life, many people just want debt and cannot afford to lose face.

Lending Bei has also successfully solved this pain point.

Our hope for the future is to build a social Internet financial platform with hundreds of millions of users. Everyone can lend and borrow money on the platform."

Hu Gang feels that his "Loan Bei" is simply a genius idea, the Internet financial version of "Penguin" and "Ari".

Every time he thinks that there may be hundreds of millions of users across the country lending and borrowing money on LendingBei in the future, with tens or even hundreds of millions of transactions happening every day, Hu Gang can't stop smiling.

He secretly thought: It is very promising to become a giant with a valuation of hundreds of billions of dollars in the future! Qiandu is not going to work now, will Liandu Bei have the opportunity to become the "third pole" of the Internet in the future?

Hu Gang told Zhang Yida a lot of words, and his whole words revealed a strong sense of confidence.

Zhang Yida felt that he understood the other party somewhat. He thought of lending money as a big business, with the goal of making it a national-level application, and he had high expectations for the market.

After thinking about this, it is not difficult to understand that the other party wants to invest 5 billion in this project.

In the previous life, 5 billion was burned in real money and promoted for a year or two.

Users who register with their real names and bind their cards will receive 20 yuan, and inviters will receive another 20 yuan. The cost for each user is 40 yuan.

Perhaps there is more to it than that. In previous lives, it was said that some agents would charge 30 yuan or more to invite one.

When it comes to investing in stocks or borrowing money, you will only do it if your brain is convulsed.

"Brother Gang, Ruixiang is fighting a mobile payment subsidy war during this period, and funds are also very tight.

Let’s do this! After Diandaibei is launched, I will ask Ruixiang, Huimin Bicycle, Yimin Wangjin, Yimin Holdings...all my Internet companies to help you promote it."

Zhang Yida also took up Hu Gang's idea and prepared to scoop up the biggest piece of wool in 2015.

"Hehe...it's okay! It would be best if you could help us promote it."

Hu Gang didn't seem to mind at all, quite a bit like "business cannot be done without benevolence and righteousness".

After hanging up the phone, Hu Gangxian glanced at Wang Xiaojie, who was standing not far from him with an expectant look on his face, shook his head and said, "No chance, I refuse. He also advised us not to rush into the mutual gold industry."

"I guess he is afraid that we will steal his market! The mutual financial industry is so big, how much can his family take?"

Wang Xiaojie was very angry and thought that this piece of Yida was too disrespectful. Thinking that you are a fellow countryman and I want to make a fortune with you, not only did he not appreciate it, he also gave us some eye drops.

"Hey, forget it. Let's each do our own thing. Since he doesn't want to take a share, why should we force him?"

Hu Gang absolutely does not believe that Zhang Yida has no money. Ruixiang has raised billions of dollars, and even the smaller Huimin Bicycle and Yimin Online Finance have raised hundreds of millions of dollars.

He said he had no money, either because he was not optimistic about Lending Bay, or he was afraid that Lending Bay would steal his market.

No matter which one it was, Hu Gang felt that he wanted to start a loan scam and slap the other party in the face.

"By the way, how's the negotiation going with Brother Maoquan? Are there any problems with the endorsement?"

Hu Gang asked Wang Xiaojie.

"It's tens of millions, can you not agree?" Wang Xiaojie said, and sighed: "It's better to make money faster by becoming a star!"

"I'll let you be a star and let the other party be a capital boss. Are you willing?"

Hu Gang joked.

"Forget it, I'll just be a craftsman and cut some leeks!"

Wang Xiaojie smiled and thought: This is just a joke. She thought that when that silly woman said "I am a rich man", it means that all celebrities are really rich.

…

"Yida, this is Mr. Lei Jun, and this is Mr. Cao Shiru."

Zhang Yida came to a five-star hotel tonight at the invitation of Liu Yonghao. After entering the private room, Liu Yonghao introduced everyone.

"Mr. Zhang, hello!"

"Mr. Zhang, you are young and promising!"

Lei Jun and Cao Shiru shook hands with Zhang Yida respectively and said hello.

After several people took their seats, Liu Yonghao took the lead in speaking:

"Today I invited a few people here, mainly to talk to you about setting up an Internet bank.

It is rare that the country has opened up applications for private banks. This is a once-in-a-lifetime opportunity.

It is rare to hear of Chinese banks losing money or going bankrupt.

A bank is an excellent asset that preserves and increases value.

Without further ado, today I will discuss with everyone the determination of their respective capital contribution proportions, the division of shareholders’ responsibilities and obligations, and the integration of resources.”

"Mr. Liu, I have no objection, you can just make arrangements."

Lei Jun smiled brightly, being a good old man and the first to express his stance.

"Well, I don't have any objection. Ruixiang will definitely fulfill his responsibilities and duties."

Zhang Yida nodded. Ruixiang is in urgent need of funds now. If there is a bank in which it owns shares, things will be much easier to handle.

"I have a small question here. I need to ask Mr. Zhang for advice."

Although Cao Shiru is over sixty years old, there is still an edge in her words.

If Zhang Yida looks at Cao Shiru with interest, is he trying to challenge himself?

Black Flag Chain was founded by Cao Shiru through the restructuring of the old state-owned enterprise "Black Flag Mall". It is said that during the restructuring, he took on a debt of more than 10 million yuan.

It is not easy for a woman to have such courage.

Among the more than 13,000 employees of Black Flag Chain, 80% are women, and many are laid-off female workers and migrant workers.

Cao Shiru led this group of women to open 1,300 convenience store chains in the central and western regions, and listed them on the Shenzhen Stock Exchange in 2012.

She herself also rose to become one of the top ten richest people in Sichuan and Sichuan.
To be continued...