Group Loan net Tang: 85 Mouth "alchemy"

Tang is very fast, and is good at turning conversations into personal lectures--and "training" each other without interrupting. Every gestures have a sales van. Unlike other entrepreneurs, he prefers to use high exposure rates to "promote" his business model and introduce VCs to the company. Tang founded Dongguan Group Credit Network Information Services Co., Ltd., in June 2012 launched a peer-to-peer platform-group loan network, up to now less than a year cumulative turnover of 355 million yuan. At the end of November last year, the first online business of the group credit Net opened, there are 4 financing guarantee companies and 2 local banks settled. Tang plans to recruit small loans and other types of financial institutions into its business hall, in order to obtain financing for SMEs to provide more options. In addition to the Group Loan network, Tang's financial map is also configured with another "Good to lend" Peer-to-peer platform, while developing a financing-financial products search engine. System development and labor is the biggest cost, but Tang so intensively seeking VCs, has his own idea, "the ultimate financing target is around 100 million, but the short-term cost is not too much." I expect a massive shuffle of the internet finance industry in the next 1-2 years, and we need to prepare for the winter. "March 29, 26-Year-old Tang in an interview with this newspaper, said," Bank experts to US microfinance made a lot of suggestions, including the business to specialization, bulk, the formation of industrial chain to benefit more people. We're going to have to invest in that. Last year he made a three-hour conversation with his idol Shi Yuzhu at a price of 2130915 yuan. He said the most eager to ask history, is the cause of frustration after the mentality adjustment and Internet finance industry opportunities. September 15 is the birthday of history, Tang deliberately picked this figure. "When I visited the Shi Yuzhu company in Shanghai last April, I had the inspiration to link the Internet to the business I had previously done." "said Don. Financing intermediary "steal division": More than 7 million bad debt crisis in Sichuan Dazhou, Tang, the personal resume, the career of a column dating back to Grade one. At that time, he relied on the school to resell the repeater, "earned money to pay for tuition and life." In 2006, Tang was admitted to the Beihai College of Beihang University, where he founded the Marketing Association and served as president. Then in the name of the association held "campus simulation stock Contest", and found the National Sea Securities, ICBC local organizations to talk about sponsorship. In addition, he also serves as the campus agent of China Unicom, Beihai a driving school and other institutions to obtain income in a similar way. Two years before college, Tang earned more than 400,000 yuan, "spend 200,000 to buy a car." "The remaining part plus the more than 200,000 yuan borrowed with parents to invest in the stock market," The results of the 2009 stock disaster, the loss of money, including parents. "In the summer of 2009 years, Tang into a small company called" Tak Cheng Business "as a salesman. The company has only a few people, the core business is to help enterprises in need of financing smoothly in the bank to get loans. "We need to familiarize ourselves with the loan standards and qualification requirements of local banks, recommend them to the most appropriate companies and provide supporting services." At first, I was only responsible for pulling clients., docking banks need a lot of personal connections and resources. However, I followed the boss ' secretly ' learned a lot. "After a period of time, Tang found that the boss is not willing to take 1 million of the following small list," he did not want to do, I took to do their own, 300,000-1 million of the loan, I received their 5%-8% service charge. The rate is 3-4 times that of the boss. "Sometimes five or six orders a week, Don saw the huge profit margins in the lending market due to asymmetric information." He immediately to the North Sea ready to test civil servants Zhang Linlian persuaded to drag to Dongguan to start a business together. "At that time, Lin and I earned 500,000 in two months. "March 2010, Tang established the first company--Dongguan Credit Consulting Co., Ltd. Engaged in the same business as before, the company average monthly income of 400,000. A year later, Tang started investing in real estate. "The owner of a furniture factory is my old client. Out of trust, I borrowed 2 million for him in the case of insufficient collateral, and then he ran away. Tang admits that part of the loan is borrowed from a friend. One runs off and the other ends up borrowing. Tang had to sell a house to make up for a 7 million shortfall. Fortunately, in the first half of 2012, the previous investment in real estate brought Tang a good profit. "But the financing intermediary this business does not extend the space, especially after the ' China tripod guarantee crisis ', the industry has been affected." With nearly tens of millions of savings, Tang decided to go to Shanghai Goodbye "History Master" (Shi Yuzhu) wharf. "The first-ever listed company is in an insignificant office building, completely different from what I imagined." I thought the internet was amazing. "Back at the hotel, Tang began to think about how to combine the Internet with its own strengths." The idea of "no Risk at all": Internet financial Group last December, the first time reporters saw Tang. At that time he had just met some potential investors, thin and small in China cold shivering. He who has not been to the north, according to the amount of clothing in Dongguan. In the café at the hotel lobby, Tang quickly turned on the ipad, demonstrating how the site operates. Investors can find investment projects through the network platform, the borrower is limited to the Dongguan area, the amount is usually 500,000-5 million, "so that we can review the collateral, the field of our network is not covered." At the end of last year, Tang bought another peer-to-peer platform and renamed it a "good loan". Good help loan is positioned as a consumer loan platform, with consumer demand for borrowers (currently limited to Shenzhen, Dongguan area) on the site to send the target, looking for investors. The current daily trading volume is around 300,000-500,000. "I hope that the group credit network and the good help to lend a separate operation, but a good help to lend a ' net worth", that is, the group loans online investors, if the need for short-term funds, can be a priority in the good loans to lend. "The layout of the Tang is more than that. In addition to profit in the above two sites, in the Tang long-term planning is still used to cultivate customer base. "The popular silver Network, is worth my life to do things." "Tang then simply put the ipad aside and took out a" five-minute convincing windCast "posture. In general, it will become a similar "Baidu" search engine. But there are only two things to search for: borrowing and managing money. "To borrow, for example, only need to enter the loan funds, qualifications, expected interest, will include banks, small loans, and even peer-to-peer all the appropriate borrowing information, you can choose the best solution." Tang said that the same standard products of its search platform can rely on the auction rankings, advertising and other forms of profit. "There is no risk at all. "In terms of information, Tang would like to use his own three years of networking resources," the bank's account manager, small loan staff, and so can access the mass silver network to increase and edit their loans or financial products information. Like Baidu Encyclopedia, the power to launch users to increase the amount of information on the site. "Currently this site is being actively debugged, Tang is expected to be online in the next 1.5 months." Tang's next three-year plan, one is to complete the layout of three sites, the second is to get enough investment ready to cultivate "internal strength" and "winter." "Because I did not take part in the thesis defense has not received a diploma and a degree certificate, I checked, the school for up to 4 years, I intend to go back to school before 2014, to obtain the certificate." Don smiled and said.