Interview a hand to write down
Gaunt, optional, it is the first impression after I and he meets, and be in with his subsequently talk in, insufficient " law-abiding " , a bit " do sth over and over again " , it is my the 2nd impression to him. He is Wang Kun of CEO of net of short be in harmony.
Life does not have a road originally, went more to have a way. To Wang Kun, his life this can billows not Jing, but he plays however like a rising wind and scudding clouds. Arrive from the reporter do a website, go to later again the country opens a subordinate fund to make investment, wang Kun " unruly love is free " explanation gets incisively and vividly.
Enter a country to leave row, adumbrative the investment career that he begins himself truly. However, he still left 2011, add Chinese larch capital. "In Chinese larch capital I begin to pay close attention to Internet finance. Although have very much company,talking about this domain at that time, but what do truly is little however little, those who do weller is fewer, but I feel Internet finance remains the same in prospective opportunity very big. But I feel Internet finance remains the same in prospective opportunity very big..
2014, wang Kun leaves Chinese larch capital, begin to send force Internet finance, net of short be in harmony is born.
Life is noble moving, life is noble be in " do sth over and over again " .
Exploration: Everything just is best
Dream, it is to offer that share that did not achieve, of implementation do not cry " dream " . In be explored ceaselessly, wang Kun's dream more and more unlike " dream " .
After net of short 2014 be in harmony holds water, wang Kun is met every year new establish department of a career, and every career ministry exists with independent means. From the car finance 2015, to the rural finance 2016, arrive again the digital finance 2017, in king female brain " blue print " increasingly clear rise.
"Look from operation circumstance, the operation situation of net of short be in harmony is at present opposite for most smooth; Look from profit respect, the profit of car finance is highest, every month can have the income that makes an appointment with ten million; Look from outspread career respect, rural finance is faster. Hold water more than one year, there already were 96 sites in the whole nation at present, spread all over 14 provinces, group 1600 people; Look from prospective trend respect, should belong to digital finance. Should belong to digital finance..
Wang Kun is very proud, although 4 careers ministry is self-existent, but have its characteristic and advantage.
"4 careers ministry can such each shining more brilliantly in the other's company, also depend on us every entered a domain to grasp an opportunity fitly. For instance car finance, this company is in enter when as it happens was caught up with when entering competition not completely still to turn white-hot, seize an opportunity in time, built the competitive dominant position that attributes oneself. Built the competitive dominant position that attributes oneself..
Everything is firm good, it is best.
Wind accuses: Company culture - inside accuse - politic - technology - carry out
When you the choice is engaged in Internet banking industry, that chose high risk on behalf of you. "Wind accuses, should be the problem that firm of every Internet banking headaches quite " , king female preach, "We also are such, current, our risk management is a such chain: Company culture -- inside accuse -- politic -- technology -- carry out.
To this, he explains so:
Above all, the discretion of the risk, what is the company culture that basically sees you. For instance, the company culture of some companies is with " do do greatly strong, everything in order to measure tall give priority to " , so this company is opposite on risk management for meet a bit more inattentive; Some keep the company of a bit relatively, may be in after a project is successful seek more a project, they are a principle with risk lowest, assure the best result of every project. Of course, every company has its corresponding pattern, also what its secure answer strategy.
Position of network of short be in harmony puts company culture in the first place, the wind that builds a relative stability for the foundation with this controls a system. It is with person contact with, it is important to be in charge of good person comparing to had run any risks. So how to provide good person, it is company culture above all.
Next, the canal is good inside accusing is core. Because, in Internet banking industry, the risk of 669% results from con. Include interior to be mixed false false exterior and con, con to interior, short be in harmony takes 0 tolerant attitudes.
The 3rd, the ministry is con outside basically be aimed at, need strategy undertakes administrative. Among them, product and interest rate are politic one part, wait through product and interest rate undertake introductory integratedly.
The 4th, the technology is the most important way inside risk management at present. Because, be in when big data inside the industry when application is wider and wider, this industry can gather a lot of data, and the practitioner that regards this as the industry, the experience these data and oneself contacts the technology that needs to be had with oneself to build corresponding model, it is more and more mature to make wind accuses a medium.
Finally, carry out even if adopt a sound performance system, rise afore-mentioned all element be well versed in. Rewards and punishments has bright, what should the company encourage, slam the door what, want to pass performance system system to come out now. Be in a country for instance financial career ministry, a month gets the stuff of this platform a client can get 100 yuan deduct a percentage from a sum of money, but if this client exceed the time limit, this employee accepts the fine of 500, corresponding wind accuses manager and door store manager to also want to assume partial responsibility.
Superintend: Strong superintend should not be in only by force the entrance, and should be in high standard
Run road, exceed the time limit, bad Zhang, internet finance domain always is in quick succession appears all sorts of problems, because combine compasses limitation policy,come nearly one year, the platform that exit also is more and more.
"Add up to the platform of compasses as first limitation that finish, in this process, we experienced a few hardships really. If think complete inside short time implementation,close compasses, it is so easy to be done not have really " , king female respecting.
"Current, our platform is remained only of 2.85% above quota business, core business has been finished, 200 thousand the following part is made only on our line now " .
On August 24, the home that the net borrows releases exclusive list: " executive limitation of what P2P platform makes the most complete? " , the loan remaining sum of net of short be in harmony exceeds 200 thousand and 1 million occupy score to fasten with 2.85% with the good achievement of 0% the cogongrass before the row.
In borrow remaining sum to exceed 20 to occupy odder than lowermost a list of names posted up
In borrow remaining sum to exceed 100 to occupy odder than lowermost a list of names posted up, net of short be in harmony row the 2nd
"We are very good, all metropolises are done strictly according to governmental requirement, it is as far as possible at the same time in this process fall the influence to our business to lowest " , wang Kun laughs at preach.
To a series of superintendency policy that at present the government publishs, wang Kun emphasized the following:
Above all, the essence of P2P is the goal that obtains general benefit finance in help country actually. But as a result of condition of a few limitation, the photograph of the financing cost that causes P2P and bank is compared exorbitant. Financing cost is high, can produce high interest rate, for instance cash is borrowed, borrow be about possibly 1001 to return 2000.
But. Nevertheless, to satisfy oneself capital requirement, a few crowds that can accept high risk can choose P2P platform as before. Because believe a problem to wait for a reason by Yuzheng, they cannot lend money from the financial orgnaization such as the bank, that can appeal only P2P platform.
The 2nd, p2P helps strength general benefit finance, but the efficiency that reduced whole financing system however. General benefit finance just needs low cost to satisfy originally enough already, need high cost finally however, this is a kind of vicious circle, strong superintending is must, and want later more strict. Only such, ability reduces financing cost, improve capital efficiency, obtain true general benefit finance thereby.
The 3rd, true general benefit finance should have financial orgnaization participate in, for instance platform of each other gold does the zephyr that win a customer to accuse, big data and technology, financial orgnaization provides fund. Nevertheless, cooperating with financial orgnaization is a direction only, how does future cast off the odd group of P2P industry, still need very long time. Eye comes round to say, how to rise the efficiency join of platform of each other gold and financial orgnaization, reduce systematic cost, just be the most important.
The 4th, strong superintend cannot be in only by force the entrance, and should be tall in the standard. You need to satisfy certain level ability to be entered quite play in this circle. If everybody can come in, in put on record below unsharpness circumstance, the player of those inobservant regulation can hurt this market.
Future: Tamp business base hand in hand financial orgnaization
Nowadays, a few players are in go out slowly bureau, not be to represent Internet money market to be in slowly addle, also do not become more healthy on behalf of regular meeting of course. Because, any industry becomes a player much, can a few problems and risk happen, "Survival of the fittest, unwell person fall into disuse " . So, increasingly reductive net borrows platform, result from not completely superintendency hasten is severe, however the player that this industry has contained no less than so much originally.
"Someone goes bureau also somebody comes in, regard the P2P that serves Yu Puhui finance as platform, still still having its appeal and development opportunity, so the amount in this industry inside 45 years can grow continuously as before. Accordingly, if consider an establish oneself in an unassailable position, platform is about to build the unique competitive dominant position that attributes oneself " , wang Kun is such respecting.
"Next year in year, the business such as car finance or will appear ' shuffle greatly ' situation. When those, capital is supplied will strengthen, capital cost also can be reduced, if be added strong superintend, the market will more healthy " .
Enter in all in coordination, just be the development trend with this normal market.
"Upgrade old have a product, tamp business base, cooperate with financial orgnaization " it is Wang Kun next strategic program.
"Cooperate with financial orgnaization only, produce respective advantage, just be company dominant position and competition ability when be being magnified truly. Of course, this is a very arduous process " , wang Kun discloses, "At present the collaboration of company and financial orgnaization undertakes in development in. "At present the collaboration of company and financial orgnaization undertakes in development in..
King female brief introduction
Wang Kun has state-maintaineding university of bachelor's degree of science of computer of university of the nation central and Singapore to use economics master's degree, have old investment and risk management experience, pay close attention to all the time and have an insight into the development of Internet finance, it is the earliest contact and one of carry out Internet finance personages inside the industry. Wang Kun ever held the position of a country to develop bank subordinate to invest fund to invest chief inspector, responsible consumption business invests, administrative fund dimensions amounts to billions of RMB, the capital of Chinese larch of fund of venture capital investment with the famousest whole world is joined to hold the post of fund manager after, responsible extensive consumes the investment of the domain.
