Zhao Erya entered the community, opened the door gently, and walked in quietly.
After taking only two steps, he saw his mother, Wang Hongxin, standing in front of him.
Zhao Erya pretended that nothing was wrong and said with a smile: "Mom, I'm back. I'm so sleepy. I'm going to sleep first."
After saying that, he wanted to sneak through and get inside, but he was caught by Wang Hongxin, who scolded:
"What time is it? It's 11 o'clock at night. It's very dangerous for a girl like you to stay home so late. Why are you going?"
Zhao Erya looked innocent and said, "Mom, I'm just eating with a few classmates. There's nothing dangerous. Besides, someone sent me back."
After saying that, he realized what he had said and quickly glanced at Wang Hongxin.
Wang Hongxin looked at her daughter with a half-smile, and then said after a moment:
"It was Zhang Yida who sent you back, right?"
Seeing that she couldn't cover it up, Zhao Erya had no choice but to nod.
Wang Hongxin didn't say anything. She smoothed Zhao Erya's hair and said kindly:
"Okay, it's already so late, let's go wash up and rest first!
What’s more! Next time you don’t come home so late, you must call your mother first. You can’t get through on the phone either. Look at how anxious your mother is!”
Zhao Wenbin walked out of the study and said gently:
"Yaya is home! Remember to call home in advance next time."
Zhao Erya said dejectedly: "My phone is out of battery and turned off!"
Zhao Wenbin waved his hand to Zhao Erya to rest first. Zhao Erya hurriedly ran upstairs as if she had received an amnesty.
Wang Hongxin watched her daughter go upstairs, approached her husband mysteriously, and said:
"Xiao Zhang sent him back for a reunion with some of their classmates."
Zhao Wenbin asked curiously: "Is that Xiao Zhang Yaya's classmate?"
Wang Hongxin looked unhappy and said again: "The Zhang Yida I told you last time is Xiao Zhang! Why have you forgotten? You really don't care about your daughter at all. You just think about work every day.
"
When Zhao Wenbin heard what Wang Hongxin said, he remembered that he asked someone below to hand over Xiao Zhang's information. He even looked at it at the time, but forgot about it so long afterward. So he smiled and said:
"That Xiao Zhang is pretty good. In this case, you ask Yaya to invite him to our house for dinner tomorrow. I'll have a good chat with him and check things in for my daughter."
Wang Hongxin also thought this was a good idea, so she catered to him and said, "Okay, I'll go tell Yaya and ask her to ask Xiao Zhang to come to her house for dinner tomorrow."
After saying that, Wang Hongxin went upstairs, knocked on Zhao Erya's bedroom door, and said, "Yaya, ask Xiao Zhang to come to our house for dinner tomorrow! Your father wants to meet her."
When Zhao Erya heard this, she felt a little embarrassed and said, "Mom, maybe next time! I'm so sorry!"
Wang Hongxin said resolutely: "No, it will be tomorrow. Your father and I have already discussed it. You should hurry up and inform Xiao Zhang. Okay, that's it! Your mother and I are sleepy too."
After saying that, he went downstairs without waiting for Zhao Erya's reply.
Zhao Erya had a headache. After thinking about it for a while, she called Zhang Yida again.
Zhang Yida had just arrived home and received a call from Zhao Erya, asking:
"Erya, what's wrong? Yes, I just got home! What? Your parents invited me to your house for dinner tomorrow?"
Zhao Erya thought Zhang Yida was a little resistant to this, so she added: "If you are in trouble, forget it! I will convince my parents."
Zhang Yida was silent for a while, but felt that he could not leave a bad impression on Zhao Erya's parents, so he said bravely: "Okay, I'll go!"
After asking Zhao Erya what her parents liked and the specific workplaces and positions of her parents, Zhang Yida hung up the phone.
Finally, we found out that Zhao Erya's father is Zhao Wenbin, a senior official in Huayang District, Beijing City, a senior official at the deputy provincial level. Her mother, Wang Hongxin, serves as the office director in the Personnel Department of the Ministry of Culture, at the division level.
It's an official family! Zhang Yida feels a little stressed and doesn't know what the meaning of tomorrow's family dinner is.
The next day.
Zhang Yida asked Zhao Erya to go shopping in the mall and bought a box of 6 bottles of Feitian Moutai. He heard that Zhao Erya said that his father's hometown is from Shandong Province and he likes to drink, so he bought the wine.
It was the first time we met, and their family is sensitive, so it would not be appropriate to give something too expensive.
On Wang Hongxin's side, Zhang Yida spent more than 10,000 yuan to buy a set of Lancôme cosmetics. Women are born with a love for beauty, so it was right to buy this.
By the way, I also bought a set of Dior cosmetics for Zhao Erya.
After buying all the things, Zhang Yida drove his Panamera to Zhao Erya's house.
When they arrived at the gate of the community, the armed police looked at the ID card Zhao Erya took out, and after confirming it, they were released.
Zhang Yida drove into the community and discovered that there was something special inside. The houses were all single-family houses. They were not very luxurious, but they were also relatively exquisite and attractive.
Arriving downstairs at Zhao Erya's house, Zhang Yida parked the car in the parking space, opened the trunk, followed Zhao Erya into the house with Moutai and cosmetics in his arms.
I saw a middle-aged man standing next to Wang Hongxin, and saw Zhao Erya calling "Mom and Dad". I knew it was Zhao Erya's father, so I asked politely:
"Uncle Zhao, Aunt Wang, hello!"
Zhao Wenbin saw Zhang Yida holding a large bag and looked at it carefully. He felt that the young man was tall and handsome, and his appearance was not bad. He smiled and said:
"You are Zhang Yida and Xiao Zhang! Haha, come sit inside."
Zhang Yida placed Maotai in the living room and said, "I heard from Erya that uncle, you like drinking, so I bought you a few bottles of wine."
Then he handed the cosmetics to Wang Hongxin and said: "Auntie, these are the cosmetics for you."
Wang Hongxin looked at the cosmetics and saw that they were Lancôme products and knew they were not cheap. She excused herself and said, "Xiao Zhang, why don't you buy me a gift?"
Zhang Yida smiled and said: "Auntie, this is my wish, just accept it!"
Seeing that Zhang Yida said it sincerely, Wang Hongxin did not shirk anymore and accepted the cosmetics.
Zhao Wenbin looked at the wine sent by Zhang Yida and knew it was Maotai. He also pretended to be angry and said: "Xiao Zhang! Don't buy such expensive wine next time. Just buy two bottles of Laobaigan from a roadside store. That's all.
As for wine, there is no difference when you drink it."
Zhang Yida knew it was a polite comment, so he just laughed and let it pass.
Mother and daughter Wang Hongxin and Zhao Erya were cooking in the kitchen, and Zhang Yida was invited to follow Zhao Wenbin to the study.
Zhao Wenbin handed a cigarette to Zhang Yida, lit one himself, and asked amid the smoke:
"Xiao Zhang, I heard from Yaya and her mother that you are starting a business? You are engaged in Internet finance.
I am quite interested in this industry. Recently, there have been many such companies in the district, Internet + Finance. Please tell me about the future potential and development prospects of this industry, as well as its operating model!"
Zhang Yida knew that he was considering himself and did not show any timidity. He nodded and began to preach:
“Internet finance is a very broad concept and can be roughly divided into two groups.
The first group uses information technology to transform or reconstruct traditional operating processes by empowering the Internet to realize fully electronic operations and management of traditional financial institutions such as banks, securities and insurance.
The second school can be defined as new finance, and crowdfunding represented by entrepreneurial companies, P2P online lending, third-party payment, digital currency, big data finance, financial portals, etc. can all be called new finance."
Zhao Wenbin smiled and nodded. After listening to what Zhang Yida said, he probably understood the classification and definitions. He looked at Zhang Yida and asked:
"Then what your current company is doing is new finance! What type of finance is it specifically?"
Zhang Yida replied calmly:
"I currently have two companies engaged in entrepreneurship in the new financial field. The first company, Ruixiang Financial Technology Group, started as a financial portal. Now it has expanded to third-party payment, and big data financial projects are also being closely researched and developed.
The second company, Yimin Investment Management Company, started out as a P2P online loan company and has now extended to wealth management and consumer credit fields.”
Zhao Wenbin was a little surprised when he heard what Zhang Yida said. Zhang had only started his business for half a year, and he had already entered so many sub-sectors. His ambitions were huge. He asked tentatively:
"Xiao Zhang, your companies are developing quite well. Are you going to expand into crowdfunding, digital currency and other fields in the future? Lay out the entire financial sector."
Zhang Yida talked eloquently:
"The crowdfunding industry does not do crowdfunding for commercial projects. I prefer to do crowdfunding for charitable donations for public welfare to attract more traffic, and eventually enter the field of Internet insurance.
Digital currency will not be done directly. The most valuable thing for the financial industry is the blockchain technology behind digital currency.
The distributed storage and data non-tampering characteristics of blockchain technology can make a big difference in enhancing information storage, improving the efficiency of financial services, and strengthening data security and protection."
Zhao Wenbin also graduated with an undergraduate degree, and basically understood everything Zhang Yida said. After thinking about it carefully, theoretically speaking, some of the views and directions put forward by Zhang Yida are very forward-thinking, but whether they can be implemented can
It’s hard to say if it will be achieved.
However, seeing that he has been able to pull off such a big campaign in the past six months, he is also a person with great executive and management abilities, so there is a high hope that he can succeed.
In terms of business ability, Zhao Wenbin still recognized Zhang Yida. He continued to ask:
"Among the various sub-industries of Internet finance, P2P online lending is currently the riskiest. What do you think of it, Xiao Zhang?"
Zhang Yida knew that he was talking about running away. P2P running away has not happened once or twice so far, causing great turmoil and bad social impact. Zhengse said:
“Technology is inherently innocent, and those who apply it are guilty of good and evil.
The risks of P2P online lending can be divided into five major categories: escape risk, illegal fund-raising risk, credit risk, liquidity risk, and policy risk. The risks are ordered from high to low.
The first is the risk of running away, which in the final analysis is mainly due to poor management leading to a break in the capital chain or malicious fraud itself.
Secondly, there is the risk of illegal fund-raising. On the one hand, traditional illegal fund-raising has developed from offline to online, and illegal fund-raising has been carried out under the guise of Internet "financial innovation"; on the other hand, self-financing P2P platforms have issued false high-interest "loan bids" to raise funds.
Use it for your own production and business, or even abscond with the money.
The other is credit risk. Due to the incomplete social credit system, it is difficult to obtain relatively comprehensive borrower credit information, and it is impossible to accurately screen the borrower's credit level and give a credit rating;
It is also difficult to query the borrower's credit record from the People's Bank of China's credit reporting system or to enter the borrower's default record into the People's Bank of China's credit reporting system. Customer credit data between platforms is not shared. It cannot effectively deter defaulting borrowers, and there are also ways to avoid them.
Long lending.
Next is liquidity risk, which mainly stems from the platform's bidding behavior and commitment to guarantee principal and interest, which puts the platform under tremendous pressure to advance funds. The platform's own funds are often insufficient to cope with concentrated expiration or large-scale runs on cash withdrawals.
The result is liquidity risk.
The final policy risk is state supervision. Currently, P2P is in a state without any registration or license. We don’t know when the Sword of Damocles of supervision will fall.”
Zhao Wenbin nodded and summarized it well. It seems that more investigation and supervision of P2P platforms in the jurisdiction are needed.