He Shenghua saw a person at a gathering of the Small Loan Industry Association he attended.
The man was about the same age as He Shenghua, both in their forties, and his name was Xu Zhiyun.
At the party, Xu Zhiyun was surrounded by a group of people like stars over the moon, and his spirits were high.
Why is he being fawned over and flattered by so many loan bosses? Because Xu Zhiyun opened a P2P platform last year, and his business is currently on track, and he can raise tens of millions and hundreds of millions every month.
In addition to Xu Zhiyun's own loan company, most of the remaining funds were used to cooperate with external loan companies.
So when Xu Zhiyun came to the party that day, he was surrounded by dozens of loan bosses, big and small. Everyone was fawning over him and wanted to talk about cooperation with him.
He Shenghua looked on with cold eyes and did not step forward to get close.
Because he has a bad relationship with Xu Zhiyun, they can be said to have been old rivals for more than ten or twenty years.
When they started working as loan salespeople when they were young, they worked for the same company.
Although they are colleagues, the relationship between the two is not good. Competing for performance and stealing each other's customers are commonplace.
Later, with the rise of domestic small loans, He Shenghua left the original company and set up his own business.
Not to be outdone, Xu Zhiyun also started his own business and founded a loan company "Huaxin".
Huaxin Loan Company and Jingrui Loan Company are peers of each other. They both provide second mortgage loans and bridge property redemption businesses.
The lower-level salesmen of both companies, like the bosses, often compete and confront each other. There have even been vicious incidents of fighting each other for customers!
Xu Zhiyun is not weak in ability and skills. After more than ten years of hard work, Huaxin Loan Company's scale, income and profit have always been no less than that of Jingrui, and its industry status is equivalent to that of He Shenghua.
But last year, He Shenghua heard that Huaxin had a large-scale bad debt, and he thought that his old friend and rival would not be able to survive.
He has never approved of Huaxin's style of play, which lowers risk control standards, raises interest rates, and adopts a model of higher profits covering high bad debts in order to do more business.
It's okay if the profits can still cover the bad debts, but it will be unlucky when the bad debts cannot be controlled and explode.
Last year, he thought Huaxin would not be able to survive this hurdle. But now, it seems that it has successfully overcome it?
An old friend of He Shenghua, a middle-aged man in his fifties, walked over from Xu Zhiyun and greeted with a smile: "Old He, you are doing well lately!"
He Shenghua shook hands with the middle-aged man and replied: "It's so-so, Brother Huang, what are you talking about?"
The middle-aged man surnamed Huang first shook his head and sighed: "Hey, no! The price of houses in Beijing has increased so fast in the past two years that there is not enough funds to lend. If you can't make a few orders in a month, you will have no funds. It's difficult!"
"
Then the conversation changed and he said full of hope: "But we have just negotiated with a new investor, so the financial pressure can be alleviated."
He Shenghua was a little surprised and said: "Hey, there is a new employer, who is it?"
The man surnamed Huang gestured his lips to one side. He Shenghua looked over and saw that it was Xu Zhiyun who was talking loudly with everyone.
He Shenghua was surprised and said: "It's Xu Zhiyun? Where did he get the funds? Wasn't it rumored that Huaxin was failing last year?"
The boss surnamed Huang waved his hand and said: "Lao He, you were still the old Huang Li, but now Lao Xu has turned around.
Last year he opened an Internet financial management platform called "Huaxin Investment", which has developed very well. Now I heard that hundreds of millions of funds are coming in every month.
If you have too much money to put away, just sprinkle some water and give it to the old brothers in the association to put away.
Let me tell you, what Lao Xu did this time was nothing more than "open and bright".
I, Lao Huang, will remember his love!"
He Shenghua finally figured it out. It turned out that old boy Xu Zhiyun had opened an online financing platform.
Thinking of this, he probably understood how Huaxin got through the bad debt crisis last year.
It is certain that user funds were misappropriated. Otherwise, how could such a huge bad debt hole be filled?
As for how the users are doing now, they probably have to divert funds to make up for it!
He Shenghua thought secretly.
After Xu Zhiyun saw He Shenghua, he said hello to everyone around him and said he would leave temporarily, and then walked over with a smile on his face.
When they walked to He and Huang, they greeted Boss Huang first, then looked at He Shenghua with a smile but not a smile, and said:
"Lao He is here too. How are you doing recently? I heard that Jingrui's loan funds are insufficient? Do you want me to support you a little? If I don't say too much, I can still get tens of millions per month."
He Shenghua glanced at Xu Zhiyun, "The weasel has come to greet the rooster, and you will be kind enough to provide me with funds."
He waved his hands and said forcefully: "Thank you for your kindness. We, Jingrui, are capable of eating as many bowls of rice as we want."
Xu Zhiyun chuckled, Lao He is still the same Lao He, he speaks very toughly!
Then he said: "How much is Jingrui's monthly loan amount now? Huaxin's monthly loan amount has reached 50 million. Don't let Huaxin wait too lonely. I hope to have the opportunity to work together with Jingrui.
, Let’s create a better tomorrow for the loan industry together.”
He Shenghua snorted coldly and raised his tail when he achieved some results.
Xu Zhiyun continued: "Huaxin has decided to go out of the capital and expand into the national market. The three branches in Magic City, Yangcheng, and Pengcheng will open together next month. Come and attend our opening ceremony when you are free."
He Shenghua was secretly frightened. It has always been his dream to go out of the capital and expand into the national market. However, due to financial problems, he has never been able to take that step.
Now Xu Zhiyun has started to enter the other three first-tier cities ahead of him, and has officially begun to conquer cities and territories across the country.
I was a little dissatisfied in my heart. He, Xu Zhiyun, was so virtuous and capable that he actually got ahead of him.
"No, I also want to build this online financial management platform. I have suppressed Xu Zhiyun for a lifetime, but I can't afford to be overturned when I get old." He Shenghua began to make plans in his mind.
Lao Huang praised from the side: "Brother Xu, what a great step you have taken! You have easily accomplished what many of our lenders have dreamed of.
Next time I see you, shouldn’t I call you Chairman Xu?”
Xu Zhiyun laughed and said: "Brother Huang! You deserve the award! But we are already in the process of reorganizing it into a group company. Hehe! With more business, it will be easier to manage by forming a group. I made you laugh."
He Shenghua couldn't stand listening anymore, and felt so sad that he found an excuse and left first.
Just like that, because he was too stimulated by this old rival, and because the people below once again suggested that the company open a P2P platform, He Shenghua agreed on the spot.
Do it! Do it big!
What Xu Zhiyun can accomplish, how can I, He Shenghua, do worse than him?
In this way, He Shenghua's P2P platform "Jingrui Fortune" was launched.
In addition, He Shenghua also took out all his belongings except 6 houses, totaling 20 million, and invested them all into the company.
The company was also upgraded to "Jingrui Group", which consists of two subsidiaries: Jingrui Loan Company and Jingrui Wealth.
Although there are a few subsidiaries and it looks shabby, the momentum cannot be weakened.
But when the platform was launched, He Shenghua realized that it was not as simple as imagined.
Let’s talk about the platform website first. He Shenghua hired a dozen college students to make it in a rough way. Although it lags from time to time and the UI interface is ugly, it is still usable.
But operations? Where are the investors? Where to find funds?
Establishing an online financial management platform is completely different from his previous offline lending model. He Shenghua was exhausted every day, but could not find any good promotion methods.
The group of college student programmers suggested that He Shenghua find an operations director and build an elite operations team.
He Shenghua also followed suit and hired a senior operations director who had been engaged in the Internet industry for more than ten years with a high annual salary of 500,000 yuan. Other new media operations, user operations, product operations and other positions were also added one by one.
All the people in the company were recruited, but no one came to invest. He Shenghua saw this and was anxious in his heart.
Give the operations director a fatal order and tell him to achieve a turnover of 10 million yuan this month.
The director told He Shenghua that it was easy to achieve a turnover of 10 million, and he could do it with only 1 million promotion fees.
When He Shenghua heard this, he almost choked to death. He used 1 million to promote it and exchanged it for 10 million to invest in a month. You can't say it! What's the use of you as the operations director?
Seeing that He Shenghua was almost furious, the director quickly explained.
Tell the boss that if Internet finance wants to make money, it must first spend money on promotion. After building a scale and brand, it can then introduce venture capital to slowly reduce operating costs and capital costs, and then make profits!
If you want your Internet project to be profitable, be prepared to suffer losses for three years! And as the scale grows, losses may expand.
The director told He Shenghua that this is a classic way of playing on the Internet. The giants Ali and Penguin have come this way.
After He Shenghua heard these words, his heart dropped, and he rushed into this industry as soon as his head got hot.
I thought that if Xu Zhiyun could do well, he would definitely be able to do well too.
But now the total investment in office rent, operations, and R&D has cost one to two million, and there has been no splash.
If you quit now, firstly, you will lose a lot of money, and secondly, you may be laughed at by Xu Zhiyun, and you will never be able to raise your head in front of him.
He Shenghua was unwilling to give in. He was reluctant to spend money on promotion, but he also didn't want to quit just like that.
Because of this matter, I have been so worried these days that my hair has turned a few gray.
He Shenghua returned home dejectedly, his face full of sorrow and entanglement.
After seeing my daughter at home, I was a little surprised. After patting my head, I remembered that today is already Friday and my daughter's school is on holiday. During this time, people are so busy that they can't even remember the date.
He immediately adjusted his expression and smiled unnaturally: