Touch

"First of all, they are in a good time to catch up. In recent years, China has been particularly fond of imported products. Work like this can easily be promoted as a model. Secondly, there are more and more rich people now, and banks are cutting interest rates more and more. The more powerful, P2P has demand both at home and abroad, and the demand is not small. The domestic legal supervision system is also gradually improving. The China Banking Regulatory Commission has issued several regulations, which are the development trend of standardization. Again, it is also related to the year. In the past few years, the popularity of Internet users has been very fast, and the digitalization of currency has also developed rapidly. Since the first launch of P05P in the UK in 2, this platform has been developing rapidly, and because it can make both borrowers and lenders mutually beneficial and win-win, and the operation is very user-friendly, it has been replicated globally. Fast, formal and serious, the success rate is also very high, according to foreign stories, this project has development potential and money profit.”

As he was talking, Li Changxin became more energetic, closed the material, and began to talk about his experience,

"Here is the key point. Whether this project can be implemented in a down-to-earth manner depends on the working ability and personal connections of the leader and the team at the initial stage. The second is standardized guidance and supervision. The leader is required to have strong team experience. Do it one by one. Not good, it is easy to have problems, and then there is an obvious ending, delayed payment, difficulty in withdrawing cash, what’s more, the boss runs away, and so on.”

Speaking of this, Li Changxin laughed very heartily, and the assistant who drove the car also laughed heartily. This kind of thing happens every year. Famous and not famous, you can hear it at least seventy or eighty times a year, coming in and out, Survival and destruction are the basis of competition.

"So my personal suggestion is that if the era wants to intervene, it can consider intervening from the perspective of supervision. Reasonable supervision means the establishment of industry order and the possibility of sustainable development. Others may not be able to do it, but the era is not short of money. It doesn’t take much manpower to do it.”

"Of course, this is just my personal opinion. It is right to be used as a reference. It is a talk of experience, but it is also a one-sided view. How about the actual situation, we must first look at the results of our field survey. I am a talker. Don't be polite to me, this is your first vc, or do you make up your mind, before going, let's make a strategy, where do you plan to focus this time?"

Although Li Changxin asked a very unprofessional question, it is actually a very professional question. The advantage of asking this way is that if the person being asked is very unprofessional and answers wildly, it will not be obvious that he is off topic.

Generally speaking, no matter VC or PC, venture capital has four main stages. The first stage of financing does not need to be considered. The era is rich and powerful, and their own money has not been spent. It is the end of the year, and it is time for everyone to desperately find projects to spend money. , When the time is spent and when to break up the partnership, there is no need to think about finding investors elsewhere.The second stage of investment is the link that is currently underway. The initial screening has been completed. Regardless of whether it is fished out from the leak detection group or not, the Ping An Loan project has passed, and then the investigation part. If it is a large enterprise at this stage , Two months is not too long, and a week is not a period of time in the early stage of entrepreneurship. Today is the first survey.

Field survey, reading the book at a superficial level, and looking at people at a deep level, is normal wherever you go.

Yang Xiu was reminded by Xu Zhen at home yesterday and did his homework, so he was quite comfortable with this question, and when he heard the question, he responded seriously: "It is difficult to go directly to the valuation for the first time survey, since Mr. Li It's also here, so... shall we mainly focus on the line of people today, and then talk about other things."

"Medium! Professional!"

Li Changxin gave Yang Xiu a thumbs up!

Just as he was talking, Yang Xiu's work cell phone rang, and the voice of the official mail, the official mail here refers to the official mail rather than the public mail, Li Changxin immediately turned his head to the side by the window, and made a gesture that you read the mail first .

Yang Xiu smiled apologetically, bowed her head and nodded.

The central idea of ​​the email content is very simple, three words, want to drink porridge, detailed version:

"The restaurant doesn't serve porridge at noon. I want to drink porridge, the taste of last night."

……

This is official mail, official mail!Mr. Xu... You don't have to worry about pressing a button to send it to others by mistake or simply sending it to others, and everyone can happily gossip until next year!

Somewhat anxiously, he looked up at Li Changxin and his assistant, confirming that both of them were sensible enough to avoid suspicion. Yang Xiu quickly typed on the keyboard:

"I just came out, actual investigation."

The implication is, where can I get you porridge.

Answering the email in seconds, it turns out that the meeting just ended is more leisurely, no matter where the alarm clock is, it is easy, simple and enjoyable to use public interest for personal gain.

"Also, the coffee is slightly cold and bitter, and I want to drink honeysuckle tea."

Yang Xiu held her breath in front of her chest, feeling what it means to be heartbroken.

Clenching her hands unconsciously, Yang Xiuwei's brow was almost sweating. Now that the traffic was stuck on the road, it was difficult to turn around.

Compromise and replied frankly, "I'm stuck on the road, I can't come back, so I won't drink it, put it aside, go back and get you some tea, and go to that place for porridge at night, okay?"

"I don't want to go, that store has a bad attitude, and I don't want to be angry."

Silently complained: "Where are you angry, have you even looked at others?Or are you bothering people even for a second? '

"Then I bought porridge for you to take back?"

"...Alright."

"Should I agree so reluctantly..."

Yang Xiu buried her head in receiving and sending emails all the way, and the frequency of sending and receiving in seconds fell into Li Changxin's ears, and the surprised expression couldn't be suppressed, and finally couldn't help but cast a surprised look at Yang Xiu.

this woman...

It's only been less than an hour since I came out, and the emails are so frequent, it's not official, so I have to jump out of the car and run back, so this kind of hand in hand... Is it Xu Zhen's own wish or is this woman someone who doesn't know Background?

It is impossible for a work-oriented man to have a hundred thousand gossip about a woman in his head. However, the end result of serious consideration of the problem is that Li Changxin's guess about Yang Xiu is once again completely different from the truth.

The car stopped at a place near Financial Street. The assistant who had done his homework in advance parked the car and said to the two people who got off, "The current office of Ping An Loan is on the sixth or seventh floor of this building."

Neither Yang Xiu nor Li Changxin had done their homework on this point, and they looked at each other in surprise—for a newly established team, such a start-up is not a big deal, even if they did not enter the Financial Street, the rent in this area It's not a joke, but on the other hand, it also means that the person in charge of this project has already invested a lot of sunk costs in this project. This matter also has both advantages and disadvantages. Whether it is wise or stupid, we have to wait and see .

He Shuguang and another collaborator who met by chance last night were already waiting downstairs. After several people shook hands eagerly and greeted them, they accompanied them up. Style people, one side is full retail, for those small units that only need one room as an office, and the other side is people like He Shuguang, who have ideas and ambitions, and take half of it.

As the manpower has not yet been recruited, the seventh floor is basically only used to stack materials and equipment. The official staff are on the sixth floor. There are five team members, two of whom graduated from the same department as He Shuguang. It is convenient for alumni and even classmates to communicate and communicate with each other. It is also easy to resonate with each other. One of the other two is Zhang Shi. His reading background comes from the school next door. Later, Yang Xiu read the experience materials. He is very independent and belongs to one of the official founders of Ping An Loan. He Shuguang together.

Next are the peripheral members, a secretary of the whole team—that is, in charge of all chores, and a clerical financial—the secretary also doubles as personnel when the secretary is too busy. Two interns He Shuguang brought back to school, although Sparrow Small, well-organized, that's the kind of team you're talking about.

Everyone is very young, with an average age of no more than 30 years old. They come to shake hands with everyone one by one. Compared with the two founders, the rest of them are a little younger, but they are by no means in the state of knowing nothing. Except for internships Students and civil servants, the rest of the people will not panic in the face of Yang Xiu and his party.It can basically be seen that this group of people should be a type of people, and they all have a certain background.

The interns are very tender. A kid with black-rimmed glasses who looks like an inspirational IT migrant worker introduced himself. The other girl looked more like a student, cowardly. He stretched out, revealing a delicate and beautiful watch on his wrist.

"My name is... Gu Xixi, a first-year master of finance. I just came here for an internship today. Please, please give me your advice."

Yang Xiugang's outstretched hand paused in the air, and the vertically flat hand was clasped into a fist, and he lifted it up, looking at her in confusion, "Gu Xixi?"

TNT Remark 21: To correct one thing, I wrote it too smoothly outside during the day yesterday, and there was an obvious mistake. The previous chapter said that there is no precedent for lending platforms in China. This sentence is absolutely wrong. It was completely at that time There are many domestic P2P companies, large and small, at least more than 21, but most of them are mainly offline businesses.I turned on the computer and changed it when I got up in the morning, so you don’t have to look for it anymore. Here’s a note (this note is included in the previous chapter and this chapter, and the same thing is said, and they are all numbered with [-]).

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The first update, the second update as usual at night