Anhui Chong-win investment Group Chairman Hu Jiayu: Using the Internet Thinking management investment and financing

Anhui Business newspaper Hefei Network online investment and financing market after years of Hu Jiayu is re-examining the big data era of private investment and financing structure. In October this year, by its first-hand and P2C network loan platform "create win easy loan" on-line. Unlike other platforms, Evonik uses the Internet to graft the powerful chambers of commerce behind it, creating an investment and financing experience that transcends time and space. Hu Jiayu called it the "on-demand" of private capital.
Anhui Chong-win investment group Chairman Hu Jiayu
Internet thinking "vacancy"
The Chamber of Commerce, the chairman of Hefei non-governmental investment and Financing Chamber of Commerce, Anhui Venture Capital Group President Hu Jiayu some helpless. "The Chamber of Commerce was established for more than two years. Let me conclude that private investment and financing is not so easy to imagine. "
In October 2012, Anhui nongovernmental Investment and Financing Association was established, mainly by investment funds, venture capital funds, investment companies and guarantee companies, pawn shops, small loan companies. "The original intention of the Chamber was to build a platform. Through the integration and grafting of the resources, markets, enterprises, projects, technologies and talents of the Chamber of Commerce, the company provides investment policy consultation, market feasibility analysis and other services for enterprise development.
But Hu Jiayu found that the biggest bottleneck is that in the time dimension, information and money are always hard to bite at one point. "In particular, when the Chamber of Commerce has money, it cannot find a good project; When a good project comes, the chamber's capital cannot afford enough space."
"From the perspective of investment and financing, this is a regrettable thing." You'll feel like you're not doing the perfect thing. "It's a waste of opportunity for both financiers and investors," says Hu Jiayu.
Private capital "On demand"
Internet thinking, let Hu Jiayu begin to re-examine. "I began to envision how the Internet, big data, cloud computing and other technologies continue to develop in the context of building beyond the traditional private investment and financing platform."
At the beginning of 2014, Hu Jiayu started to build a "winning and easy Loan" network financial platform, positioning it as a regional Internet financial platform, its model for individuals (peer-to), personal to the Enterprise (P2C) combination of operating mode. October 2014, won the easy loan on-line. The first subject is robbed and emptied within 15 minutes. "The ultimate goal of winning and lending is to realize the ' on-demand ' of resources on both sides of the investment and financing. "Hu Jiayu said.
For financiers, Hu Jiayu designed three major types of loan products, namely "enterprise loans, wage loans and car enterprises loans." Facing enterprises, working-class and car-buyers respectively, the estimated annual rate of interest ranged from 12% to 24%.
For investors, the creation and easy loan platform set up two ways of investment. "A kind of direct investment for enterprises, that is, users directly borrow to have a solid business of high-quality enterprises, to obtain far more than the traditional channel of return;" The other is the bulk investment, the user loans to the platform screened high-quality individuals, access to secure and stable high-yield. The annual rate of return on investment is 12% to 18% ".
The Chamber of Commerce resources is the killer
Unlike other peers and P2C platforms, Hu Jiayu believes that the biggest advantage of winning easy loans is the background of its chambers. "The best projects are in the hands of the Chamber of Commerce, which can be said to be Crouching Tiger and Hidden Dragon." Hu Jiayu said that after the investment projects screened by our chambers of commerce, both the profitability and the wind control were pre-insured.
In the whole platform construction process, Hu Jiayu Most attention is the wind control. "Whether it is pre-loan, in-loan or after-loan management, all loans are subject to the line for more than 8 years of professional wind control staff to conduct field research, inspection and improve the various borrowing and guarantee procedures, and do a good job of wind control after the launch.
Through all efforts to ensure the security of investors ' principal and interest, create and win easy loans and even set up a "risk reserve scheme." "This is a credit risk sharing mechanism, the platform all investors after identity authentication, the investment behavior in the platform is applicable to the ' principal protection plan '."
In the future, to win the easy loan member investment for the country, financing projects to Hefei as the center, Anhui and surrounding areas for the radius, to create the Internet financial platform at home. "With the resources of Hefei and Anhui regional Chambers of Commerce, we will give full play to the professional and rich experience of the investment and financing chambers, and cooperate extensively with financial institutions through the integration of high-quality resources, screening high-quality projects and providing microfinance services to the socially reputable enterprises and individuals."

Anhui Chong-win investment Group Chairman Hu Jiayu: Using the Internet Thinking management investment and financing