Touch

Chapter 133 Ping An Loan

During the next day's meeting, Yang Xiu went directly to report to the venture capital department. The minister had been nice to her at first, but he didn't see her after a day, just like three autumns, he was affectionate and cordial.

Just 5 minutes after I went upstairs to deliver coffee to Xu Zhen and signed it, I actually called her and asked her: "Are you sure you will go to the field survey in the afternoon, just be sure, it's okay, I'm just asking, I'm afraid you I can't be too busy there, oh, I have nothing to do, these two days are quite free, so I'll go with you, you should do your work on Mr. Xu first, don't be in a hurry, come over when you're done."

When the meeting room came out in the afternoon, the director of the venture capital department who said he was not in a hurry had already gone downstairs and got into the car first. He was also accompanied by a competent subordinate of the minister, who also worked as a driver. He was very responsible. Seeing Yang Xiu Also enthusiastic.

During the lunch break, the minister negotiated with Yang Xiu and asked her to choose a vc to start with.

From the point of view of difficulty, the minister does not recommend Ping An Loan. This topic is sensitive and the risk is relatively high. VCs are generally mainstream in online entrepreneurship. There is a set of fixed procedures, and it is easy to grasp the future income trend.However, Ping An Loan was screened out by Yang Xiu himself from the leak-picking group. Some people, especially women, are more concerned about this kind of fatalism or fate theory. in the selected category.

Yang Xiu didn't know what he meant, but she was too familiar with the Internet, and most of the materials she received seemed flashy to her. In contrast, it was He Shuguang's idea of ​​Ping An Loan that had an idea It also has courage, so Yang Xiu chose it.

As a result, the minister saw that this was indeed a woman who said that "this project is destined for me", so there is nothing to say, it has to be done, at worst, it will be taken over and the times will lead, and let that person named He Shuguang do it. Just a puppet doll. It’s not like this kind of thing has never been done in the era. How much money you earn is secondary. You have to let Yang Xiu figure it out and learn it, and let her have a sense of accomplishment. This is conducive to further cooperation and development in the future. no.

The two have their own ideas, and during the initial run-in period, they didn't get on the line at all, which can be said to be completely different.

After getting into the car, the assistant and the driver drove the navigator to stop at a slow speed. The minister enthusiastically spread out the materials and began to teach Yang Xiu.

By the way, I forgot to mention, although the root is just a soy sauce character, but it’s better to give a name to call it conveniently, the head of the venture capital department, Li Changxin, with a standard background, the top two undergraduates in the country, from the University of California, Berkeley After graduating with a master's degree, he entered the Wall Street investment bank on his own. Two years later, he was promoted to Associate as an Analyst. Two years later, he was recruited back by Times through headhunting on the eve of being promoted to Vice Precident. One year later, he became the head of the venture capital department, with an annual salary of 200 million plus 200 million. Year-end bonuses, 360 five-day private rooms in five-star hotels, first-class round trips on business trips, project customers can choose by themselves, and present time shares in the form of rewards according to the working time limit. The market price is equal to its total annual income. The market price is redeemed by the company and is configured by standard executives.

As an executive-level talent, Li Changxin did not treat this salary badly, and his adaptability is very strong. He has fully adapted to the domestic market in two or three years. Proficient in Chinese, English and German, he can report the real-time discount amount of any bond at any time and the list of personnel for each project in his hand. He belongs to the category of people who have brains, passion and emotional intelligence.

Pointing to the material signed by Ping An Loan, Li Changxin opened the first page and put his hand on the list of names and began to talk endlessly.

"This project was discussed in the meeting before. It is a sensitive project. It has potential, but the risk is relatively high. Everyone's opinion on it is not very agreeable. The voting result is [-] to [-], so it is delegated to the leak detection group. You To be able to pick it out, the vision is still very good, this project is indeed attractive.”

Giving Ji gentle encouragement, he glanced at Yang Xiu. There was no special expression on his beautiful and delicate face, but he could tell that he was paying attention to what he said—it belonged to the audience that the explainer was more willing to see, and his attention was concentrated enough.

So Li Changxin continued: "The idea of ​​this project is to build a third-party network platform to provide a matchmaking position for individuals who have funds and financial investment ideas. In simple terms, it is an intermediary role. They are responsible for the borrower's economic In principle, this mode of operation is legal and belongs to a kind of private lending method, as long as the loan interest rate does not exceed Four times the bank loan interest rate for the same period is in line with the provisions of the "Contract Law". This model initially started abroad, Peer-to-Peerlending, referred to as P2P platform, that is, peer-to-peer, person-to-person credit platform, Prosper in the United States, and Prosper in Europe Zopa has done a good job, but there is no precedent in China.”

Li Changxin said while paying attention to Yang Xiu's expression. The passage just now was more professional. If you are not familiar with the industry, it is easy to not understand. He noticed that Yang Xiu frowned when he mentioned the P2P platform, but When talking about the names of Prosper and Zopa, Yang Xiu had an expression of understanding. Seeing that Li Changxin was looking at her seriously, Yang Xiu thought for a while and asked, "I have a little contact with Prosper. The domestic translator should be called Zopa. Prosperity, their model is somewhat similar to an auction, relying on personal credit scores as an important reference index.”

Li Changxin slapped his hands, "Ah! No wonder you chose this project, you are very knowledgeable!"

Yang Xiu felt that Li Changxin put a lot of pressure on her. If it was a hot day, she could even do a gesture of wiping sweat. Two people who didn't know each other at all, one tried every means to please the other through various means. , to be honest, this "other person" is not easy to be.

As for what you don’t understand, don’t be kidding, Yang Xiu doesn’t know anything about this whole big circle. As for what Prosper is, I don’t know which time someone casually said these two sentences on what occasion, and all the content has been censored. Yang Xiu copied it just now.

Li Changxin thinks that the audience's comprehension ability is not bad, and he is qualified as a student. However, even if the person Xu Zhen chooses is not as good as Xia Yujing now, he must have the potential to become Xia Yujing. Don't worry about instilling too many things that exceed the upper limit of IQ. It happened, and said quickly:

"As mentioned earlier, this project itself is attractive, but there are many sensitive points. First, there is no precedent in China. If there is no story to follow in the domestic market, it will be very difficult to do this. Whether it is in the past Going up or going down, the bottom is not willing to participate without a foundation of trust, and the top is not willing to do anything for you, which is normal. In addition, you should also be able to see that this project itself has violated many Leaving the interests of others, before P2P became popular in foreign countries, personal loans were realized through banks. When it was launched, the first thing was to compete with the bank for business, and then it might compete with us for business. There are too many opponents. There must be Jack Ma's good life, but he is doing the same hateful things as Alibaba."

Expressing his opinion sharply, Li Changxin paid attention to Yang Xiu's expression again. Seeing that Yang Xiu did not show any feelings of being shocked or dissatisfied, as he expected, he nodded in satisfaction and said, "However, there are still some opportunities for this project. His personal merits."

TNT Remark 21: To correct one thing, I wrote it too smoothly outside during the day yesterday, and there was an obvious mistake. This chapter said that there is no precedent for lending platforms in China. This sentence is absolutely wrong. It was completely wrong at that time. It’s too fast and I didn’t think about it. There are many domestic P2P companies, large and small, at least more than [-], but most of them are mainly offline businesses.It has been corrected, so you don’t need to look for it anymore, just make a note here.

The author has something to say:

This is a very interesting case, and there won’t be too much professional content. Let’s just talk about this chapter or two, and I’ll talk about getting back to people in the future, bear with it, and see what typos some type of. .