On January 20, Yimin Fortune and his team arrived at the Porsche 4S store.
In a living room, two highly paid financial planners hired from other wealth brands were giving financial management courses.
Zhang Yida and more than 20 car owners in the audience were listening with great interest.
“How to increase and preserve family wealth?
If you want to outperform inflation, you must carry out reasonable asset allocation."
A financial planner dressed in formal attire and with oily hair gave a lecture.
Then he opened the slide show again, pointed at the projection screen and said:
"This is the S&P Home Asset Management Quadrant Chart.
Divided into four parts.
The first part of the money to be spent: accounting for 10%, short-term consumption such as 3-6 months of living expenses.
The second part of life-saving money: accounting for 20%, is used to cover sudden large household expenses, such as accident and critical illness insurance.
The third part is money that generates money: accounting for 30%, stocks, funds, real estate, etc.
The fourth part is money for capital preservation and promotion: accounting for 40%, pensions, children's education funds, debts, trusts, P2P financial management. It is characterized by safety of principal, stable income, and continuous growth.
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Next, I will talk about P2P online lending and financial management. When choosing P2P financial management, you must choose the right platform...
Our company, Yimin Wealth, has just received US$25 million in venture capital from Blackshirt Capital and is now launching a high-end financial product.
The starting investment threshold is 1 million yuan, and the product terms are divided into four types: 6, 12, 18, and 24 months, corresponding to yield rates of 10%, 12%, 14%, and 16% respectively.
All funds raised will be loaned to borrowers through the platform’s big data credit risk control system.”
After hearing this, more than 20 people in the audience started whispering among themselves.
“The yield is so high, it’s more cost-effective than banks!”
"Y'E Bao only has 6%. This is two to three times higher. Is there any risk?"
"Everyone has received tens of millions of dollars in investment from Black Shirt Capital. The company is still strong. You can invest in it for as short as 6 months and give it a try!"
…
After everyone discussed for a while, a middle-aged woman who was fashionably dressed and well-maintained asked:
"I just want to ask how your company protects the safety of our investors' principal and income?"
Others also nodded. What they were most concerned about was the risk. After all, you have to invest at least 1 million, and no one’s money comes from the strong wind. You must understand the situation before making plans.
Another financial planner smiled, looked at everyone and said:
"This is a very good question, let me answer it for you.
At present, our company's underlying assets are mainly mortgage loans such as housing loans.
For a house with a market price of one million, you can only get a loan of 70%, which is 700,000, and the house must be mortgaged.
Once the borrower defaults, we can recover the loan through auction of the property.
Investors' principal and income are guaranteed.
In addition, our company has also developed a top-notch risk control system. Some customers with poor credit and bad credit cannot get loans through our system. This will also further reduce loan risks.
In addition, our company has a safety net clause. If there is a bad debt, everyone's debt will be repurchased.
So everyone can just buy it with confidence. The first batch of the product is only 50 million. Once it is sold out, you have to wait for the next issue. I don’t know how long it will take.
Maybe the income will also decrease as the market slowly opens up."
After hearing this, the middle-aged woman felt that this company was responsible and that it would protect its users and protect its capital and interest. She immediately decided to invest 1 million and try it out for 6 months.
With the first one taking the lead in purchasing, there will be second and third ones, and others will also reach investment intentions.
At the last count, 10 of more than 20 people had reached investment intentions, and the amount of intention reached 15 million yuan.
Some of the other people who didn't buy also left their contact information with each other, saying they would consider it if they went back.
The final amount raised by the event reached 18 million yuan, and several customers chose to participate in the investment after thinking about it.
After the funds are in place and entered into Yimin Wealth Company, 3% of the cooperation commission, which is 540,000 yuan, will be paid to the Porsche 4S store.
After Jiecheng Group saw that this kind of cooperation could indeed increase the company's income, it opened its other nine Porsche companies to cooperation with Yimin Wealth.
Yimin Wealth continues to poach and recruit people from major wealth management companies to replenish its team.
With the successful cooperation cases with Jiecheng Group, we have successively opened the door for cooperation with Bentley, Ferrari and other luxury car 4S stores.
Yimin Financial Management continues to cooperate step by step with Ruixiang to attract traffic and increase the conversion and development of existing customers.
The newly established Yimindai is a new brand, and its team structure is still under construction.
Yimin Investment Management Company, in Ding Siyao's office.
A man in his thirties, with oily hair, gold-rimmed glasses, and a tall suit, was full of elitist temperament. At this time, he was facing Zhang Yida and Ding Siyao, talking eloquently:
“In this way, Korn Ferry, an American headhunting company commissioned by Blackshirt, found me.
Tell me that in China, there is an Internet finance company that has just received black-shirted Series A venture capital. It is currently in need of a person in charge of risk control and asked me if I am interested.
Of course I'm interested!
After I received my doctorate in finance from Stanford, I started working in e-commerce for five years.
In the United States, there is a ceiling for Chinese people who want to advance in large companies."
Having said this, Chen Shaojie sighed and said with a wry smile:
“Because the overseas Chinese only know how to work with their heads down, are not good at expressing themselves, are not keen on political activities, and are not united.
The United States is a mess. Not to mention that white people can serve as executives of large companies. Even Asan is better than a Chinese and can serve as CEO of large companies.
Chinese people can work at most to the middle level!
So when I heard the invitation from a domestic Internet financial company, I agreed without hesitation.
In the United States, I can see the known future, but China's future is unknown and is worth looking forward to."
Zhang Yida was a little pleased. The man in front of him, Chen Shaojie, had a Ph.D. in finance and had worked at e for 5 years as a middle-level manager.
e's Chinese name is First International Capital Group. It is a Fortune 500 company with tens of thousands of employees worldwide and assets exceeding US$300 billion. It is the second largest consumer finance company in the United States.
In the history of global consumer finance development, e is one of the indispensable protagonists.
As a company with the concept of "data drives everything", it can be said that it has a religious belief in data, which is deeply rooted in every detail and every capillary.
This is the genetic key that e is far ahead of, and it is also the potential reason why it has avoided crises time and time again.
For example, before the financial crisis in 2008, e, who was doing mortgage loans, detected anomalies in the data and decisively sold the mortgage business, safely surviving the largest financial crisis in history.
In addition, e's recruitment process is also very strict. It is said that there are more than ten rounds of interviews and a massive written test of mathematical logic.
The acceptance rate is as low as 3%!
But people who successfully join the company have one thing in common: they are sunny and cheerful, have extremely high IQs, and have extremely strong communication skills.
Half of the domestic Internet finance industry in later generations was supported by Chinese people who left their jobs.
Almost all of the top 100 Internet financial companies in China have people who have left the company serving as core executives in risk control, product, etc.
Blackshirt has found a treasure for the company this time! It can be said that he is a talent specially selected for Yimindai!
Zhang Yida smiled happily and said:
“On behalf of Yimin, I warmly welcome Mr. Chen to join us!
Currently, Yimin Company is divided into three sectors: Yimin Financial Management, a P2P financing platform, Yimin Wealth, which serves high-net-worth individuals, and Yimindai, a consumer credit brand.
I would like to ask Mr. Chen to serve as the CEO of Yimindai and make full use of your strengths to build Yimindai into a data-driven consumer finance company."
Chen Shaojie was a little surprised. He thought he would be put in a risk control position. He asked slightly confused:
"Mr. Zhang, don't I serve as the chief risk control officer of CRO?"
Zhang Yida waved his hand, looked at Chen Shaojie with a smile, and praised:
"With your talents, serving as chief risk control officer is too unqualified.
On the funding side, we use Yimin Financial Management and Yimin Wealth. The funds we raise will only increase. We are currently cooperating with external loan companies, and they are responsible for lending.
I'm still quite worried about the assets being in other people's hands.
Therefore, Yimin’s next focus will be on building a core asset-side brand.
And you are my favorite candidate.
You have been engaged in consumer credit risk management for many years and are familiar with the establishment of risk control systems and the application of big data analysis.
At the same time, I hope you can also bring e's advanced concept of data-driven everything into the company and build a first-class risk control team."
Chen Shaojie probably understood that this was a brand separation, and the capital side and the asset side were different brands. Thinking that he could be responsible for Yimin Loan on his own made him very excited. Considering the current complicated domestic credit environment, it was also a headache. And
Asked:
“What type of assets does Yimindai focus on?”
Zhang Yida thought that among all types of assets in the next few years, consumer loans would be the most promising, so he said without hesitation:
"Consumer finance, unsecured small cash loan."
But considering future supervision and risk management, another sentence was added:
“Try to rely on consumption scenarios!”
Chen Shaojie frowned. The company has no other consumer scene subsidiaries that it can rely on, such as supermarkets, shopping malls, e-commerce platforms, etc. It can only cooperate with external companies.
But it’s unreliable to cooperate with others! Once you see how much you’re making money, I’ll kick you out and start your own consumer finance business.
He said a little helplessly:
"We currently don't have a consumption scenario, so it's difficult to do it! External cooperation is not reliable either."
Zhang Yida lowered his head and pondered, housing loans, car loans, education and training loans, travel installments, decoration installments, home appliance installments, car financing leasing, e-commerce installments, medical beauty installments, rural loans, credit card reimbursements, virtual credit cards...
The most suitable one should be a virtual credit card, combined with mobile payment to open up some offline merchants and make installment purchases for offline purchases.
Similar to Huabei, after scanning the QR code to pay, it will be included in the bill and repaid next month or in installments.
You can also build a shopping mall online to sell home appliances and 3C digital products, and give users a consumption quota to purchase goods in installments.
If you do it this way, it will be a different kind of Huabei. If you add the cash withdrawal function, it will just be a loan.
It’s not easy! The online products are not as complete as Ali and Goudong, and the offline payment code coverage is not as good as Alipay.
Let’s do it step by step! Zhang Yida said:
"Let's do it like this! First make a cash loan APP without consumption scenarios online. Once the scale is increased and the risk control system is improved, consumption scenarios will be cut into it one by one.
Offline, the main loans are home loans, car loans, and personal credit loans for white-collar workers who have stable jobs and pay social security provident funds."