"Sincere person, the path of the day also; Sai Cheng person, the person's path also. The person's path also..
-- " Mencius · leaves a surname to go up "
Recently, compasses and diaphaneity close newly in what the home that the net borrows announces child sheet of a list of names posted up judges pitch on, fir is borrowed easily took respectively in Feburary 2018, closed in March compasses spend champion, obtained again in April diaphaneity child Chan Guanjun of a list of names posted up. This network that supplies catenary to be main asset with agriculture borrows platform to be free from anxiety very in the industry low-key, the humanness of if president Li Peng. "Do Internet banking my state of mind is very gentle, not eager for quick success and instant benefit also not excessive is begged cruel rich, " Li Peng expresses to man elder sister, 4 years advancement borrows a domain into the net is a hope " try Internet finance to be done attentively after all can have done to what degree. 4 years advancement borrows a domain into the net is a hope " try Internet finance to be done attentively after all can have done to what degree..
Chu Jiansha borrows president Li Peng easily, confucianism elegant and deal with concrete matters relating to work. He of attorney one's previous experience, know a risk more awe-stricken risk. He ever reached school of Beijing University cent to pursue education in Beijing University the job is old, hold the position of Beijing day early or late yuan attorney office is virgin copartner, medium division wisdom assures group executive president, abundant silver financing is rented (Shenzhen) the post such as president of Inc. trustee, CEO/ . So, li Peng gives man elder sister such proof elephant is to come from the experience at its associate with and wisdom.
Do a business, as be an upright person, in Li Peng guide below, 3 years Lai Sha is borrowed easily accuse culture, just justice to be core of company culture value with wind, do a hardheaded net to borrow platform.
Fir borrows president Li Peng easily
01 enter bureau
Agriculture supplies the searcher of catenary
"We do not make not stable trade, do creditor's rights to follow suit cast different, the core that our wind accuses is to should be in low risk crowd seeks capital fund in industry of medium or low risk. " this word spoke Li Peng the original intention that fir borrows circuit of selection capital fund easily -- safe. Although large stockholder is collect science and technology, vogue, finance,synthesis of service, city and trade matter flow wait for 5 big industries the fir fir enterprise of the diversity at an organic whole, but fir is borrowed easily from the way that seeks independent development at the beginning.
Be in early 15 the beginning of the year, fir is borrowed easily enter produce to supply catenary domain, roll out " farming batch borrow " project, become home to do one of Internet banking businesses of agricultural finance the earliest. Farming approve borrowed client group to basically be farming by-product trafficker, regional agency, agent, business exceeds deserve to send business to wait. According to Introduction Li Peng, farming batch borrow the earliest in Shenzhen sea Ji Xing farming approves the market to begin to try water, "Hai Jixing has opening of more than 3000 archives at that time, it is small wholesaler, " recollect according to Li Peng, a few years the business becomes so much businessman, run of the road have two only, the borrower that gets in this market that is to say, theoretic highest loss has 2/3000 only.
"We like low interest rate, this also is to stem from what wind accuses to think, " Introduction Li Peng, no matter be pair of investor or borrower. Synthesis of borrower put together is in originally year change 12% , 18% , investor income is average year change 8% to 10% . "Farming the yield that approves a project does not calculate inside the industry tall, but our money was to help borrower truly. But our money was to help borrower truly..
"We are done farming the small small company that the basic principle that approves a project wants to help those work seriously namely, we do not do the business of kill the goose that lays the golden eggs. " Li Peng expresses, usury is led to borrower also be a kind of risk, because this fir is borrowed easily,insist to make low interest rate all the time however the asset with relatively safe risk. "The fund that borrower uses us is to should make money, the money that earn also must compare us much, this ability is a benign mode " .
Differ with feelings of prate of company of each agricultural banking, li Peng expresses really to man elder sister, choose the circuit of agricultural finance, not be what agriculture feelings. It is above all stem from low risk think, it is self-identity borrower next, can clear judgement its loan purpose and reimbursement apiration. "The earliest we also follow a few in if small bank does business to encircle the product that borrows and so on to had undertaken contrast, but our discovery is done farming the honest person that approves a product is very much, it is small business, family person relies on mouth of this paste that raise the home, it is the person of conscientiously, serious deal so. It is the person of conscientiously, serious deal so..
02
Adjust
The whole nation of mature experience is popularized
Before the course 3 years accumulate, the agriculture that till 2017 fir borrows easily supplies catenary product to just begin to begin to duplicate from Shenzhen slowly the whole nation, had spread all over and other places of Guangdong, Hunan, Hubei, Jiangxi, Anhui, Zhejiang, Xinjiang, Heilongjiang at present, establish port of Shenzhen, Dongguan, Wuhan, Changsha, Nanning, Hefei, mussel in all, fine promote wait for 14 agency, be stationed in bit of agency at the same time in still continueing to increase.
Emphasize all along " 0 risks " the fir that wind accuses a principle is borrowed easily, the time burnish that used near 3 years fully this professional product. When why refer chooses to began to enlarge business dimensions 2017, li Peng expresses, farming in Shenzhen sea completely Ji Xingcheng grows approve borrowed core group, whole team passed 3 years of time adjust and explore, and can accept company culture hind, ability dare send employee outside, just dare outspread.
It is reported, fir shifts inchoate development easily is nod according to foretaste, duplicate product develops a principle after, undertake in a few cities such as Shenzhen, Dongguan above all pilot, fumble wind accuses a model, form one a complete set of complete farming batch borrow product wind to accuse to run a system, include professional wind to accuse wind of group, whole technological process to accuse to manage framework, double track to make wind control a system, 100% use up tone, 5 class to classify 10 management, risks to examine and approve flow to wait a moment on the spot.
According to Introduction Li Peng, fir borrows easily farming approving wind to accuse first trial staff is to be stationed in of field, "The home is moved to the side of the market, archives mouth also is fixed, the relation between employee and client is equivalent to is neighbour, hnow through and through. Hnow through and through..
To entering, farming batch borrow have strict admittance level. Li Peng introduces, the principle that selects a client is be " take out both ends, do only among " . "Just entered of travel, what the business does is very big we are not done, " he expresses, just entered of travel do not have too much experience, risk consciousness is not strong; And the business is too big disturbed heart is done farming batch advocate course of study, give a thing easily. In addition, he expresses, in the home if still have other business, like the factory other perhaps industry also is not done, "The person's energy is finite, cannot do centrally so farming approved trade, " what we do is to enter go two years above, family person is the business that does this to go door, this batch of people basically won't have an accident. We are in farming on the project remaining sum that the place that approve city does 100 million yuan, affirm losing has 40 thousand only much.
Flow accuses to go up in wind, wind accuses first trial personnel to be able to make abecedarian findings report to borrower, field of risk manager emersion is checked, form become a common practice accuses findings report, "This checks be penetrable type certainly, want personal investigation. If the client's running water is odd, we won't be credulous print the running water sheet that come out, our risk examines running water case via paying attention to tiring-room of entry bank account. " Li Peng expresses, can go periphery of borrower pawnshop, abode is visited, understand its to run a state, wait for the authenticity that will judge the business according to the receipt of running water sheet, receipt, shipment, still can combine the Central Bank to ask for the data such as letter report to undertake checking. After these two findings report are finished, ability is entered examine and approve link, the amount of 500 thousand less than is examined and approve by company general manager, a You Sha of 500 thousand above is easy borrow the credit expert that hires especially to undertake examination. "Our examination chain is very long, a sheet from accept the order to be examined and approve finally want above 10 days, the client that nature still borrows besides those anxious loan with respect to get rid of, client aptitude is so better also. Client aptitude is so better also..
Be based on just about afore-mentioned exploration, trial and error and adjust, fir borrows ability open easily dimensions is outspread. Build asset to although cost is high,be carried oneself, time-consuming long, but fir is borrowed easily had made wind dominate closed circuit by right of old experience, accumulate sufficient client natural resources when platform especially hind, can form scope effect, reduce cost thereby, increase profit.
03
Stand fast
0 risks are not a result, however first heart
"Had not had deficient person truly, without the person that drills through all previous, lack awe-stricken heart to finance. " Li Peng expresses, when choose and employ persons, he prefers to enrol " had eaten to have a deficit " person, such ability have awe-stricken feeling. "It is so good that they know petty gain is done not have occupy. So, we do not make the item that reads to not be clear about stoutly. We do not make the item that reads to not be clear about stoutly..
In the beginning of the net borrows an industry to develop, blundering wind be current. "14, 15 years whole industry wind accuses consciousness not strong, look especially from big environment, arrive 12 years a few years this from 9 years the risk is very low, the loan of high interest rate that a lot of people put can close, " Li Peng expresses, as a result of economic environment be issued to lower levels, the change that begins macroscopical economy 14 years caused a large number of bad Zhang, but a lot of platform still accuse mode to do according to 13 years former wind at that time. So, after the macroscopical environment that economic integration develops, fir is borrowed easily when just entering Internet banking, chose to build the kind that asset carries oneself. Li Peng expresses, besides the risk government post of core, the post of basic level is enabled join the person of travel newly. "Wind accuses first trial staff basic from 0 begin to groom, did not use an old person, because the old person is cosmopolitan,13 years former wind controls continue to use means. Because the old person is cosmopolitan,13 years former wind controls continue to use means..
At that time, of the be current in the industry is " probability wind accuses " , namely so called high interest covers high risk. "To client collection 20% even the loan cost of 30% is to do not have method to go down continuously, wind of this kind of probability accuses to be not stabilized extremely, the risk is too high. " he expresses, in current trade development reachs the environment that sign a letter to fall, want to be based on ability of very powerful big data model to do probability wind to accuse, what can accomplish truly is very few. To this, he expresses, 0 risks mode, not be a result, be first heart.
An investment is an accredit. "The mom of my classmate, raise oneself 300 much investment put capital in fir to be borrowed easily, " Li Peng expresses, have a lot of old people raise capital, youth to borrow the Qian Fang that buys room head to pay easily in fir. "So we must want firm, " he expresses, from 2016 " 824 " " limitation makes " hind, fir is borrowed easily did not go up again the line passes big mark, had finished according to each superintendency policy at present close neat change the job, wait for equipment to investigate the evidence of a case only close.
About future, li Peng expresses, in asset end will supply chain around fast consumable, choose high grade business to exceed a supplier, it is produce supplier not just, for instance the supplier such as face, water, spice. "Decide this industry is major the person makes money, have their profitable ability only on time reimbursement, " he expresses, the price is opaque, the domain that needs store up money is not done, domain of the medicinal material in be like, give priority to with store up goods, bet prospective price.
In Li Peng's plan, after experiencing early days 6 years to be accumulated more, fir borrows a plan easily to was started 2020 appear on the market outside the condition. He thinks, develop from future and look on profit pattern, the net borrows platform to still want finally to move toward finance of science and technology, with instructor business, asset zephyr accuses is core forever. Accordingly, prospective fir is borrowed easily make transition the platform of professional finance science and technology that accuses to be a foundation with big data wind. "We now is to make asset reserve and technical reserve, our big data wind accuses a system to still dare not apply, because we are not had,with Tecent such big data is mixed in A the technology is accumulated, we come step by step. " Li Peng expresses, at present fir is borrowed easily as famous as area piece chain company is talking about collaboration is to buy matters concerned even.
What superintend the times that cover interest as Internet banking industry is far go, nowadays just be real value recursive times, those who stay is the platform that serves for borrower and user truly. After all the net borrows development to be able to go without shortcut, add up to compasses operation, sureness to work to just can stand firmlier.
