It’s nothing new that photos of college students’ “fruit strips” have been leaked from QQ groups involved in online lending.
But yesterday, someone packaged 10 gigabytes of "fruit strips" photos and videos and posted them on Qiandu.com. The personal information, contact information of relatives and friends, and private photos of 167 female college students were leaked.
Moreover, in the indecent videos leaked online this time, many folders were marked as "Loan Bei".
This time, Jiedianbei learned the lesson from half a year ago, and in the early morning of the next day after the incident, it released the "Announcement on the Leak of Indecent Photos of Jiedianbei" through the "Jiandianbei Official Weibo".
It is said that Liandianbei does not provide the function of sending photos, and the photos leaked this time are the result of the "fruit strips" exposed in June being packaged.
Then this official Weibo was ridiculed by netizens.
"We don't produce water, we are just porters of nature!"
"The tool is not guilty, the responsibility lies with the person. But the person who invented it also has an unshirkable responsibility!"
Hu Gang felt tired for a while. Ever since he started this loan platform, there have been constant incidents, which never gave him any peace of mind.
First, billions of RMB were burned in vain, in exchange for hundreds of millions of zombie users;
Then he lost the bet and compensated the other party’s 2 billion equity capital, not counting the 2 billion equity capital, but also charged 300 million in interest;
Then came the campus loan incident and the fruit-tiao incident.
Negative news continues to break out about Liandaibei, and its parent company, Handing Group, has also followed suit.
Partners, shareholders, creditors, and customers all have a lot of opinions about Handing Group, either implicitly or directly.
Most people told him to cut his losses and close or sell the lending platform.
If it is closed, Hu Gang will be a little reluctant to give up. This is a project that cost more than 3 billion yuan!
If it's for sale, there won't be a suitable buyer for a while.
He asked Zhang Yida earlier and offered a cost price of 3.5 billion, but the other party was unwilling to take over.
As for other people, there are some who want to take over the loan, but none of them have a price exceeding 1 billion.
You want to take over an Internet financial company with hundreds of millions of users for less than 1 billion? You are so beautiful!
Hu Gang decided not to sell it, but to slowly operate Duideibei on his own. As the Internet financial industry continues to prosper, Duideibei will one day shine its own light.
"Brother, the people at Ruixiang Group are so arrogant. Who is the major shareholder?"
Hu Gang's younger brother Hu Qiang started shouting after entering the door.
"What's wrong?"
Hu Gang frowned. His younger brother has always been a bit reckless. He is not mature at all for a thirty-year-old.
"This was not the case with the underwriting last year. The CFO sent by Ruixiang said that our procedures were not in compliance with the regulations and it was related-party financing.
In addition, he also said... He also said that we were cutting leeks, which would damage the credibility of their Ruixiang Fund Supermarket."
"grass"
Hu Gang cursed, "Isn't he just a dog trying to mess with a mouse and meddling in other people's business?"
"Who says it's not the case?" Hu Qiang said with disdain, "Isn't it just to facilitate capital operations when we obtain a public fund license?
To paraphrase Boss Jia’s words, this is an ecological chemical reaction.”
Hu Gang is much smarter than his younger brother. After all, he was the director of the Securities Regulatory Commission.
"It's not as simple as you think. As a small CFO, if he dares to speak like this to Handing Group, a major shareholder, he must have something to rely on.
It should be that Ruixiang is dissatisfied with the way our fund is run and is protesting."
"Wasn't it divided at the beginning? Ruixiang's people are responsible for managing currency funds, bond funds, and stock funds are managed by our people. Are they overstepping their boundaries?"
Hu Gang closed his eyes, thought for a while, and then said slowly: "Don't worry about this matter for the time being! Without Ruixiang, Hantai Fund would not have developed so well.
Especially monetary funds, it really can’t work without Touronghui, an APP with hundreds of millions of users.”
Hu Qiang had a look of displeasure on his face, could he just let it go? He’s already been kicked in the face by others, and he still wants to pretend that it didn’t happen?
As if he had read through his brother's thoughts, Hu Gang said: "Be patient, Ruixiang is no longer what it used to be. They can abandon us and choose another partner, but we can't."
Hu Qiang did not dare to argue with his eldest brother. He knew that his eldest brother was a gentle man but he always spoke his mind. He nodded and left.
…
"What a great trick! A year ago, it issued an additional 10 billion yuan in a private placement at a valuation of 100 billion yuan, then suspended its trading and welded the car doors shut."
Zhang Yida looked at Lin Zhenyang and said: "Look at their third quarter report again. Total assets are 81.567 billion yuan and total liabilities are 57.227 billion yuan.
Net assets of 24.34 billion correspond to a market value of 102.45 billion before the suspension, a price-to-book ratio of 4.2 times.
With a total share capital of 15 billion, the net assets per share are only 1.62 yuan, while the stock price before the suspension was 6.83 yuan per share."
"Hiss~"
Lin Zhenyang took a breath of air, "Damn it, are you afraid that the stock price will drop by 80% after the resumption of trading?"
Zhang Yida glanced at him and thought to himself, you are really right, after the resumption of trading in three years, the price will only drop to more than 10 billion.
"Handing Group has multiple financial licenses for securities, insurance, private equity, public equity, futures, payment, insurance brokerage, etc. Even if the license has a certain premium on intangible assets, it is still somewhat of a bubble.
And the bubble is not small, it can account for at least half of the market value."
After sighing, Lin Zhenyang added: "The CFO who was stationed in the past reported that Hantai Fund was very non-compliant, especially the stock funds."
Zhang Yida nodded, "Okay, I understand. Last year, Hantai Fund issued three asset management plans, raising a total of 1.23 billion yuan in funds to participate in Handing Group's tens of billions of private placements last year.
Have you calculated how much of the 1.23 billion funds were sold through Ruixiang Fund Supermarket?"
"According to statistics, it's almost over 400 million!"
Zhang Yida looked unhappy and said: "The fund assets held by these investors will probably be cut off to their ankles. By then, these people might even blame you on Ruixiang."
"No way?" Lin Zhenyang looked stunned, "We have marked high-risk products on the fund supermarket.
Fixed-increase funds became popular last year, and everyone rushed to buy them at that time. If you lose money, you can't blame us, a third-party agency!"
“Internet financial platforms are never short of such quarrels!”
Zhang Yida thought for a while and ordered: "Remove all stock fund products of Hantai Fund from the shelves. From now on, except for currency funds, all cooperation with Hantai Fund will be suspended."
Lin Zhenyang scratched his forehead, "Is this really going to happen? We are also shareholders of Han Tai Fund. If we do this, we may have to break up with Handing Group."
"Remove stock funds from the shelves first to see how they react!"
…
“This is Yimindai’s financial statements for 2014, 2015, and the first three quarters of 2016.”
Yimindai CEO Chen Shaojie asked his secretary to send one copy of the financial statements to each of the investors sitting in the conference room.
Wang Jingbo took the financial statements and read them carefully.
"The revenue in 2014 was 97 million yuan and the net profit was 22.5 million yuan; the revenue in 2015 was 2.553 billion yuan and the net profit was 383 million yuan; the revenue in the first three quarters of 2016 was 3.706 billion yuan and the net profit was 482 million yuan."
Wang Jingbo secretly rejoiced, this is a high-quality company! It has been profitable for three consecutive years, and its revenue and profits are still growing rapidly.
"Nice financial statements, but there seems to be a problem."
Wang Zheng, Vice President of Bank of America Merrill Lynch's Asia Pacific Investment Banking Department, raised his eyebrows and looked at Chen Shaojie.
"If there is any problem, just point it out to Mr. Wang."
Chen Shaojie and Wang Zheng looked at each other, raised their arms, and said with a smile.
“The financial report for the first three quarters of this year shows that revenue increased by 121% year-on-year, but net profit increased by only 72%.
In other words, the net profit margin has dropped. What is the reason for this?"
Chen Shaojie said calmly: "This is because Yimindai received US$300 million in Series B financing last year and has embarked on a large-scale expansion.
The increase in personnel and large-scale advertising have resulted in a certain decline in net profit margins."
Wang Zheng shook his head and said with a smile: "The increase in personnel is contrary to the concept of financial technology that is said to be efficient and cost-saving."
“At present, the application of financial technology is more reflected in risk control review, loan speed, and post-loan collection.
As for front-end customer acquisition, although we are also using some technologies and network platforms to acquire customers.
But it cannot completely replace this link! What’s more, what we do is scenario consumption installment, which is different from ordinary cash loan platforms.”
"OK," Robert from Goldman Sachs asked, "Mr. Chen, can you explain the difference between China's cash loans and consumer installment platforms?"
"Simple, scenario-based consumption installment refers to a loan with a specific purpose, such as education installment.
The borrower pays the training tuition through the loan, successfully learns a skill, finds a stable job, and uses part of his salary to repay the loan every month.
It’s similar to the tuition loan for college students in the United States!
As for cash loan platforms, the quality of their customers is much worse.
Because there is no specific purpose, the loan is even issued directly to the borrower.
They took the money and squandered it without any guarantee of repayment.
Consumption installments are different. We pay the loan directly to institutions in consumption scenarios, such as schools and plastic surgery hospitals."
Morgan Stanley's Evans asked: "I can understand taking out a loan to learn a skill, find a good job, and have a guaranteed source of repayment.
After plastic surgery, can the source of repayment be guaranteed?”
"Mr. Evans, you don't understand China's national conditions. As long as a girl is beautiful, that in itself is a capital.
They can become anchors and Internet celebrities and earn tens of thousands or even hundreds of thousands of dollars a month.
Or maybe she finds a rich boyfriend who will help her pay off the loan.
You can also work in a bar, and the income is quite high."
Evans nodded, "I understand, it's such a genius idea. I think your model can be copied to other countries."
If you can’t repay the loan, you can go to the San Fernando Valley to make movies.”
Chen Shaojie burst out laughing. This foreigner really understood things by analogy and drew inferences from one instance to another.
Wang Jingbo, the only woman present, spat, as if nothing could come out of a dog's mouth.