"Lu Yun, something happened. Tuandai.com, the largest P2P platform that cooperates with Yipay, is in trouble!"
Zhang Ying hurriedly knocked on the study door.
"I already know this."
Lu Yun's face was not nervous at all.
"Why are you not worried at all? This involves 14.5 billion and 220,000 investors."
Zhang Ying was very curious.
"This is not the first P2P platform to be hit by thunderstorms. Among the 15 platforms that cooperate with Yipay, 11 have already been hit by thunderstorms."
Lu Yun disagreed. Multiple platforms exploded continuously, like an out-of-control dominoes. He had long been used to it.
"ah?"
Zhang Ying was shocked, "What about Yipay? Will these P2P platform thunders implicate you and Yipay?"
"No, it's not a big problem."
Lu Yun waved his hand, "Yipay is just an advertising publisher for these P2P platforms. It just pushes traffic to these platforms. It is completely advertising without any strategic cooperation. Yipay does not participate in the P2P sharing. At best, it is a pawn for the P2P platform.
It's just a payment channel, it has nothing to do with us."
"Isn't it right?"
Zhang Ying finds it strange that Yipay's Internet financial business clearly includes the distribution of financial products. Doesn't P2P promotion include this? How can Yipay have a clear relationship with P2P?
"That's just the greed of those who read the advertisement."
There was no sympathy in Lu Yun's eyes, "They squeeze into the car to go to work at nine o'clock every morning, earn thousands of dollars a month, play finance frugally, and hope to get rich in one day. They don't even know who the real winner is.
."
There was a sneer on the corner of his mouth, "What is finance? The essence of finance is to use time differences to make money to generate money. Their small money deserves to be eaten up by big money."
Zhang Ying seemed to know Lu Yun for the first time, "But now that P2P is booming, those who are trapped will definitely blame Yipay."
"That's weird. At least legally, it can be completely cut off. At most, it's just a fine and a small amount of money."
Lu Yun is not at all concerned about the losses caused by the P2P thunderstorm, but compared with the advertising fees and commission fees charged by the P2P platform, it is simply not worth mentioning. What's more, providing payment services to the P2P platform has expanded the scale of Yipay.
.
"But Yi pays for the loss of reputation..."
Zhang Ying frowned.
“It’s not just Yipay who does this, there are a lot of companies like Zomi, Renren, Lianxiang, etc.”
Lu Yun shrugged, "Why blame Yipay? In the context of rapid development of Internet finance, providing payment services for P2P platforms is a common choice of many third-party payment institutions, unless it is Caifubao or Penguin.
Pay.”
Just then, the phone buzzed.
Zhang Ying noticed that as soon as he saw the phone number, his expression changed immediately and his heart rose in his throat.
Lu Yun handled it cautiously, his eyebrows twitching wildly, and his whole hand trembling visibly, getting worse and worse.
"I, I will arrive in Yanjing right away, right away..."
"What's wrong? Why are you going to Yanjing suddenly?"
Zhang Ying was nervous and uneasy.
"The China Banking and Insurance Regulatory Commission and the China Securities Regulatory Commission want to interview me." Lu Yun forced out a smile that was uglier than crying.
"What!!!"
Zhang Ying's eyes widened, her pupils shaking.
Two words immediately came to mind, it's over!
…………
"Humph, I'm afraid Lu Yun still thinks that the relevant departments came to Yipay because of the thunderstorm on the P2P platform."
Xu Lei crossed his legs and raised the corners of his mouth.
"New accounts and old accounts are calculated together. Yipay has always been a payment channel for P2P, but it cannot be erased so easily."
Lu Fei narrowed his eyes.
"Don't worry, I have some responsibility, enough for Lu Yun to drink a pot." Xu Lei said with a smile, "But compared with Yipay's ABS, it is completely insignificant."
"Who would have thought that Lu Yun would be so courageous."
Lu Fei smiled coldly.
The subprime mortgage crisis has not passed ten years. Unexpectedly, Lu Yun would dare to play this trick in China. According to the massive data of Yipay, disadvantaged loan users will be diverted to P2P, and high-quality users will be used for their own purposes and lend money to them.
Then the loan contracts are integrated, evaluated and stratified, turned into ABS, and then sold to asset management institutions such as funds, trusts, banks, etc., to implement the securitization of loans.
After selling ABS to obtain funds, they can repeat their old tricks and lend money to new high-quality users, and the cycle repeats.
"Yes, it only has 2% of its own funds, but leverages 98% of the borrowings. If it were not for the promulgation of new regulations this year, the balance of funds raised by companies through the issuance of bonds and asset securitization products must not exceed 4 times the net assets, which is greatly restricted.
The size of the funds raised by Yipay through ABS would otherwise exceed 100 billion."
Xu Lei smiled coldly.
"Lu Yun is bold enough to dare to pull the lever like this."
Lu Fei's eyes flashed with murderous intent.
"What does he dare not to do? Yipay's equity design is very stupid. It set up a main company to take itself out, and then used a limited partnership to invest and hold shares. As long as you hold more than 67% of the shares, you can get it.
Absolute right to speak."
Xu Lei curled his lips, "The blessing is that their family business enjoys it, but the disaster is that the limited liability company and the entire society bear it."
"But his cleverness has come to an end."
Lu Fei knocked on the chair handle, "It's okay to conspire with P2P to issue loans to Yipay users, but you dare to extend your magic hand to Caifubao and Penguin Pay. Haha, you are seeking death!"
"What do you think Lu Yun will end up with?"
“Will Yipay’s license be revoked?”
"I'm afraid this won't work. The ABS leveraged by Yipay must be repaid slowly by Luyun and Yipay. Don't even think about running away until it is repaid."
…………
A month has passed since the interview ended.
Lu Yun, whose face was covered with stubble, was lying on the sofa, as stiff as a zombie, with dark circles under his eyes, but he was not sleepy. He had obviously just eaten, but he felt that he could not exert any strength.
The previously high-spirited black hair turned much whiter in an instant.
Zhang Ying saw that her husband seemed to have just been released from prison and was taciturn. She immediately realized that his depression had recurred, so she forced him to see an authoritative psychological expert.
After a while, the door opened and Lu Yun walked out slowly.
"How about it?"
"Well, the doctor didn't say anything, just ask the family members to come in."
"Um?"
Zhang Ying's heart skipped a beat and she hurriedly entered the house.
The doctor waited for her to sit down and sighed: "His condition is very serious. He was discovered early, controlled in time, and cooperated with medication. He only had mild depression, but now, there are signs of seriousness. Has he encountered any problems recently?
What kind of intense stimulation?"
"Yes, yes."
Zhang Ying was also inconvenient to reveal that Yipay was fined a total of 4.5 billion due to "disorderly expansion of capital", "P2P thunder" and other reasons, and Luyun also lost actual control.
"Well, to untie the bell, you still need someone to tie it, and to treat heart ailments, you still need heart medicine. If you want to alleviate the problem, it's best to prescribe the right medicine."
Just as the doctor was about to persuade him, he heard a strange movement outside the room, and then the door suddenly opened and a nurse came in a hurry.
"No, the patient is sick!"
"What?!"
All of a sudden, the doctor and Zhang Ying ran to the corridor in a panic, and saw Lu Yun lying on the ground, twitching all over, with a pool of saliva flowing out of his mouth, and he was shouting incomprehensibly.
"Lu... Lu Fei... Lu Fei!"
At the same time, news about Lu Fei was playing on the phone: "Recently, Lu Fei, chairman of Caifubao, said that any financial product has risks. You can't just watch thieves eat meat, don't watch thieves get beaten, the tide goes out."
Only then do we know who is swimming naked. If we cannot control risks well, once the financial building falls like dominoes, no one will be immune."
"Especially Yipay, we should take caution!"
"The root cause of his illness is Lu Fei?"
The doctor looked at Lu Yun in disbelief.
Zhang Ying's eyes were red, she shed tears and smiled bitterly, saying nothing.
"Oh, let him be hospitalized."
The doctor suggested with sympathy and helplessness, "Try not to let him come into contact with the news about Lu Fei in the future, and don't stimulate him anymore, otherwise, there is no guarantee that he will do something extreme."
"Doctor, you mean..."
Zhang Ying quickly stepped forward to control the twitching Lu Yun.
"Yes, suicide."
The doctor used a small flashlight to shine into his vacant and vacant eyes.
"Lu Fei, don't come over!"
"Lu Fei, let me go! Let me go!"
Lu Yun clenched his fists, and tears of fear flowed from the corners of his eyes.
