Yuan Yu comes: Probably 1000 kinds of methods become a billion company, 100 methods become one billion four hundred and ten million and sixty-five thousand four hundred and eight companies, but the road that leads to -727379968 companies may have 1 only; If did not ponder over industry essence, what you may go is that road of one thousandth, can accomplish billion to be not done however -727379968.
Civil | Flourish of brilliant of Liu of pencil path reporter
Pencil path learned recently " magic square of conduct financial transactions " obtained 40 million A in January 2018 annulus financing, send by country of capital of individual investor, triumphant peaceful, Suzhou, 9 close achieve cast combination to invest. Capital basically is used at the market to extend. "Magic square of conduct financial transactions " father Yuan rain will divulge, get the individual investor that send this to be some A appear on the market company president, ever was the user of magic square of conduct financial transactions.
"Magic square of conduct financial transactions " held water in January 2014, product with AI technology drive, serve middle class user. There is intelligence to invest administrative system and intelligent client analysis to run a system inside platform APP, with drifting income management is core, product of conduct financial transactions includes stock fund, mixture fund, bond fund to wait.
The end of the year came last year by this year June, a drop 20% , stock + mix model dimensions of whole of management of fair collect fund drops 16.6% , but " magic square of conduct financial transactions " fund management scope is in however growth, and the user of 60%~70% lies in income status.
On this platform, invest AI of decision-making and complete support, every intelligence casts Guneng to handle 4000 users at the same time, efficiency rises, managing labour cost. This year the beginning of the year, the company deals user 20 thousand + , administrative financing dimensions already amounted to 1 billion yuan.
Note: Yuan Yu comes the data in affirmatory article is not had by accident, be in charge of for content authenticity. Pencil path makes objective and true record, already backed up phonographic recording.
C carries intelligence to cast consider
Last year May, "Magic square of conduct financial transactions " obtain Pre-A annulus when financing, pencil path ever had had a story: " financing he collects 2 ten million 25 class number bear according to forecasting user risk force 20 thousand in produce year of profit highest 20% " . At that time, dimensions of platform government financing has a few ten million only, after half an year, fund management scope already amounted to 1 billion yuan. "When deciding this goal at the outset, others feels impossible " .
2016, have a kind of such view: Intelligence casts Gu Hang course of study to be able to do B to carry only, c end won'ts do. Yuan Yu will not to think so however, he feels to there can be such view inside course of study, because be opposite,be home, float earnings economy still is new thing, lack operates experience. He decides the platform that uses his proves to the outside, c end also can be done quite well.
"This is the industry that a technology and business need polish, even if do To B to also need to know business. Should do know business, must carry client contact with with C, find the most likely product pattern, ability carries a service to B. So, what we should offer is business solution, is not technical solution. " he is bold and fatidical, do or of To B company to die first, or is met transition does To C.
"Magic square of conduct financial transactions " more resembling is an AI company. Yuan Yu will sigh with emotion, "AI does not run, our company cannot operate. " look in him, intelligence cast Gu Hang course of study to had arrived to erupt level, carry an user to undertake an analysis in the light of C with respect to need, do " 1000 people 1000 " system.
However, face C end, commercialize the model, need a large number of time. Yuan Yu will express, go two years half, what the group is doing all the time is the product is optimized and the model is debugged. He believes, the invests finance of decision-making, behavior scientific theory that occupies algorithmic drive through number, and the service method that human nature changes, can formulate an investment strategy that fit for the user, obtain considerable yield.
Yuan Yu will think, service of float earnings economy often needs personnel of conduct financial transactions to have substantial financial major knowledge and investment experience, ability is in risk control bear limits less than.
Professional domain needs professional, resemble falling ill must look for a doctor. He thinks, "Magic square of conduct financial transactions " the part that is holding the position of a doctor just about, major of conduct financial transactions ability is offerred common in produce an user. "The optimal investment strategy that we are using orgnaization investor offers average investor, optimize venture gains through these investment strategy, and rather than has game on individual product or short-term trend. And rather than has game on individual product or short-term trend..
He expresses, traditional economy business depends on artificial investment adviser, because business is with the sale,direct, bring about a few platform from quality of professional work of staff of course of study inferior. However, the machine can improve work efficiency not only, still can solve from the problem with uneven level of staff of course of study, reduce the cost that use worker worker with this.
Of course, yuan Yu will also admit, intelligent adviser is a method only, no matter how the method changes, the essence of the industry is money management. He is forecasted, "If future has better than AI kind, platform also can be used. Prospective 5~10 year, artificial intelligence is the mainstream trend of money management as before. Artificial intelligence is the mainstream trend of money management as before..
Besides a few individuation too strong issue needs artificial processing, be in " magic square of conduct financial transactions " on platform, invest AI of decision-making and complete support, already stabilized now move one year half. In AI aid force to fall, single investment adviser can serve 4000 users at the same time, and 1 person can serve manager of investment of common and private bank one day only 50~100 user. He expresses, "Investment is accurate it is probability problem only, AI won't is opposite every time, but come down for a long time, on probability affirmation can surmount a person. On probability affirmation can surmount a person..
Be about to do " Chinese Bei Laide "
3 years ago, the company is in stage of angel annulus financing, yuan Yu will ever put forward his be opposite the macroscopical judgement of financial industry: Estate, firm closes wait for yield of conduct financial transactions to be able to present collapse type to glide, and capital of conduct financial transactions can use accrual market flow to float. After 3 years, many P2P platform explode thunder, estate no longer high speed grows, trading fluidity becomes poor, the market is in aeriform in test and verify his judgement.
In the past, the traditional firm such as the bank closes conduct financial transactions to be fundamental asset with estate and capital construction more, firm add is aided push, the kind that carries fixed income packs risk of conduct financial transactions. Yuan Yu will think, be broken as firm exchange policy, estate and yield of fixed income economy go low gradually, capital of fixed income economy can be forced to flow into float conduct financial transactions. He is forecasted, although accrual has float sex, but product of money of prospective place rational will move toward kind of fund to change.
Look in him, although company of economy of traditional and fixed income is big, but cannot expand, its reason has 2: It is asset cannot furnish without limit, 2 it is the cost that win a customer tall, competition of client of high net value is very intense. He discovers, standardize asset only, ability is in thousands of 100 million, consummate even in the dimensions of -727379968 furnish indefinitely. However, platform of traditional conduct financial transactions faces client of high net value commonly. The user is produced to be put in tremendous blank in, did not get any government serve.
2017, "Magic square of conduct financial transactions " come loose for the conduct financial transactions of 98% an implementation accrual. Yuan Yu will express proudly, this year A drop 20% , in integral stock + mix model scope of management of fair collect fund drops below the circumstance of 16.6% , "Magic square of conduct financial transactions " fund management scope is in however growth, and the user of 60%~70% lies in income status.
Yuan Yu will believe, the concept of a company and target are deciding the direction of the company and future. He expresses, "We are to do money management, not be to do asset government; Make average profit, not be to do above quota accrual. Our target is to enlarge financial management dimensions. Because do not have good asset,user deficit is not, invest risk and oneself because of his however can susceptive risk does not match. Invest risk and oneself because of his however can susceptive risk does not match..
In the meantime, the company also raises a requirement to employee: Remove pursuit is the biggest times, is not to seek the biggest profit. Real ground goes the psychological circumstance of dug user, and do not exceed psychology to bear the bottom line goes configuring investment for the user.
Current, "Magic square of conduct financial transactions " had been intelligence is cast consider field poineering company to manage the platform with the largest scale. Yuan Yu will express, although fair collect fund can satisfy the requirement of a lot of users, but still not be the most complete. In the future, platform can have fair collect fund not only, return the capital fund that can have more kind, provide more overall service for the user.
Next " magic square of conduct financial transactions " can practice hard exercise to benefit the internal organs, focusing AI, extend actively outwards at the same time. Company hope can be introduced from Silicon Valley this year arrive two very arrogant artificial intelligence scientists, the purpose makes a the most powerful AI group.
Yuan Yu will say frankly, at present company income does not calculate much, but he thinks mode of prospective first-rate income can consult Costco mode, with gain of administration fee of collection of small gain, high quality. He expresses, when P2P platform is arisen, he did not earn fast money, he hopes to strictly observe a bottom line, not user park risk in.
As CEO, yuan Yu comes the time of 50% is deciding a goal now. "Go before the target forward, view will be broader and broader, the aim will be clearer and clearer. " he hopes, "Magic square of conduct financial transactions " the orgnaization that future can make on management -727379968 capital, become " Chinese Beilaide " . Because Yuan Yu will think, run the market in float accrual only, ability be pregnant with is gigantic without bully enterprise. Face big target, he is certain: "All targets need to be quantified, the target that cannot be quantified is not a good cause. All targets need to be torn open to solve, if did not find the method that tears open solution, did not consider the issue to appear namely. Did not consider the issue to appear namely..
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Editor | Wu Jinna is proofreaded | Zhang Xiao grants
