Digital Kingdom

After listening to everyone's introduction, Zhao Ziming did not arrange any business, let everyone arrange according to the usual work plan, and at the same time instructed the legal director to handle the company transfer as soon as possible, and complete the notarization and corporate change registration.

Director of Legal Affairs Liu Zhiyuan, in his 30s, graduated from Sh University of Political Science and Law. He has been working for seven or eight years, with average ability and barely proficient in his major.

Liu was originally an ordinary employee. After his former boss quit, there were only two people left in the Legal Department. Liu Zhiyuan presided over the daily work.

Another little girl, in her early twenties, had never passed the judicial examination, she was a helper, she didn't know how she was recruited.

Due to the company's downturn, Liu Zhiyuan is also looking for new job opportunities, but there is nothing suitable.

The salary is too low, and he looks down upon him. After all, he can’t go to a position with a young man for a few thousand dollars. If the salary is too high, he doesn’t meet the requirements. He can only wait slowly. In the Golden Dragon Company, he is looking for a donkey. horse.

After a few people left, Zhao Ziming immediately contacted Zhang Mingyang and asked Zhang Mingyang to come to him and start processing credit cards.

Zhao Ziming roughly estimated that the current funding gap, after deducting the final payment of 4 million, there are also nearly 2 million of daily expenses and the payment due to investors.

For p2p companies, overdue withdrawals are the most deadly. Once overdue, rumors of loss, bankruptcy, and runaways will spread, amplifying investor panic.

On the contrary, loss is not a big problem. At this stage, more than 90% of p2p companies are not profitable. As long as the cash flow continues and the user scale continues to grow, they can continue to grow.

Among domestic P2P companies, such as Jinlong, there are very few institutions that only provide platform intermediary services, and it is difficult for them to expand rapidly in scale.

King Long has been afraid to break through the red line for more than a year. Although it has invested heavily, its results have been poor.

Li Youming has lived abroad for a long time, attaches great importance to law and credit, and does not easily break the rules. Under his auspices, Golden Dragon has neither made rapid progress nor caught in the trap of illegal fund-raising. It can be said to be half-dead.

Li Youming's original dream was to become a Lendingclub in China to solve the small loan needs that cannot be covered by the traditional banking industry. He took Yunus as his idol. Unfortunately, he was so talented or lacking in perseverance, so he finally packaged and sold Golden Dragon.

According to Li Youming's design, the main model of Golden Dragon is that the borrower first submits the borrowing requirements, and after Golden Dragon reviews it, it helps to publish it, and then the financial manager invests.

After the money is fully raised, Golden Dragon, as the information matching party, clicks to release the money, and at the same time generates a valid electronic loan contract, and the money is in the borrower's account within a few minutes.

It can be seen that the core of the P2P platform is the ability to acquire debt and risk control.

For this kind of matching of intermediate information, Golden Dragon only does the work of review and semi-guarantee. As high-quality lenders are difficult to find, it is difficult to control the credit of the lender in online review. .

During this period, many people suggested that they should learn from other companies or even directly absorb deposits. As long as the cash flow continues, no one will be able to manage them. When the company grows, and then sort out slowly, Li Youming has never dared to agree.

Most of the current P2P institutions have become third-party wealth management platforms, as well as new channels for underground banks and private lending.

At the moment, the most important thing for Golden Dragon is to launch a wave of activities to attract new users to register for investment, and at the same time to induce old users to continue to invest the due debts, rather than to withdraw cash.

Before taking over the Golden Dragon Company, Zhao Ziming had already thought about it, and his initial plan was to start from three aspects.

Called Wang Tianbao to come over and told Wang Tianbao about his main ideas.After all, the company's affairs need Wang Tianbao's cooperation.

The first is to advertise, attract lenders, and select high-quality financial projects.

At this stage, the cost of online paid marketing is relatively high, and Baidu and 360 zone fees are constantly doubling, which is out of reach for Golden Dragon, but this can be done by Xiaoxun, and at least hundreds of thousands are left every month.

Zhao Ziming clearly told Wang Tianbao that he was not responsible for the online promotion for the time being, and that he would solve it personally, which was regarded as suspending Wang Tianbao's concerns.

After all, there is not much money in the company's account, so I am afraid that Zhao Ziming will not know how to pretend to understand and fool around. Then Wang Tianbao will not want to be in his 40s and go out to find a job.

We all know that it is easier to do loan business than wealth management business, because after all, it is to lend money to the outside world. Borrowers don’t value the platform’s qualifications and brands too much. As long as you can help me raise funds and manage your qualifications, they will Make a deal with you.

For King Long, another important aspect is to attract investors. Zhao Ziming's initial plan is to design new products from two aspects to meet user needs.The other is to serve patiently and meticulously, with affection.

Zhao Ziming explained in detail what he was going to do.For investors, the best investment time is one month, not more than three months.Avoid excessive time that brings unnecessary risks, but because the period is relatively short, the actual interest income is not much.

In addition to the introduction of wealth management products within three months when Golden Dragon first attracted users, the investment projects this year have not been less than half a year. Although it has alleviated the risks of the operators, it has also indirectly caused users' desire to invest.

Zhao Ziming plans to re-launch short-term targets and quickly launch wealth management products ranging from one month to two months in order to attract new customers.

Vice President Wang has no opinion on this. At this stage, the most important thing for the company is cash flow, and increasing income is more important than reducing expenditure.

At the same time, in order to serve customers patiently and meticulously, Zhao Ziming requires that a file card be established for each customer on the existing database, including investment customers and loan customers.

Understand the needs of investment customers and the credit of loan customers.Fortunately, Wang Tianbao is not responsible for this area for the time being, and Zhao Ziming privately finds someone to invest in it.

Zhao Ziming explained to Wang Tianbao in detail that he intends to set the interest rate for one-month financial management at 8-9%, which is slightly lower than the long-term product, but much higher than the bank interest and credit card cashing out fees during the same period.

Currently, the company’s loan interest rates range from 9.49% to 23.99%.

According to the current market situation, 10,000 yuan is taken out of the credit card, and there is a handling fee of 40 to 50. Zhao Ziming will increase the profit rate of the product to between 70 and 80 yuan a month to ensure that customers can take 10,000 yuan from the bank. Investing here can not only make up for the handling fee, but also make money to attract users.

During promotion, it can be placed in the circle of enterprises, institutions, and civil servants. For these people, their jobs are stable, but their income is low, and they are high-quality credit card users of banks. It is not difficult to obtain credit cards and the amount is not large. small.

Put the money in your credit card out every month and invest it in financial management. You can raise a card and make some pocket money, especially for new recruits.

Young people who are just working have a low income and spend a lot of money. Credit card cashing is also a good channel for financial management.

The third is how to retain old customers. In this step, if done well, the Golden Dragon platform can immediately turn the crisis into peace, sweep away the depression, and lay a solid foundation for the next development.

Zhao Ziming's initial plan is to further collect the personal information of these 2 million debts and more than 30 investors, optimize and integrate them, and try to select the projects that best meet their needs. This requires the efforts of Xiaoxun.

For example, a person has a good impression of the group related to him, and designs products according to the types of investors. When the designed financial products are related to the industry in which the investor is engaged, he will be very concerned, and there is no unfamiliar feeling, and the conversion investment is also It's relatively easy.

If the investor is a small owner of a supermarket and launches a project to invest in a supermarket, it is easy to attract his attention.

After hearing this, Vice President Wang finally let go of a lot of heart, although what Zhao Ziming said are clichés, there is not much new ideas, the key depends on execution, but after all, he is not a layman and he knows the p2p industry.

Many measures require a lot of money and energy, such as information collection and integration, and the establishment of customer files, which require great technical support and manual analysis, which are expensive.

But after all, now that the company does not need to invest, Wang Tianbao is also looking forward to it. Zhao Ziming has invested a lot of resources to bring the company a different development.