NET Loan Day Eye Tin Wei win: Create a Peer-to-peer "condom" won the grand investment

NET Loan Day Eye CEO Tin Wei wins, the entrepreneur. August 2010 joined the Baidu video front-end technology team, in April 2012 in the early 360 to join the establishment of the Internet financial sector. At first, Tin Wei won the idea of starting a business on the basis of personal interest investment net loan. In October 2013, he and the old (net loans the first founder of the day) together to make a net loan third party information community and data platform-net loan day eye. In the same year, the angel investment of Grand Capital. Tin Wei Win Introduction, the Net loan day to do information integration, investment tools and large data mining, in order to better serve peer-to-peer investors, optimize peer-to-peer industry, to create peer-to-peer industry condoms. Oral: NET Loan Day Eye CEO Tin Wei win finishing: "Entrepreneur" magazine &i Dark Horse net reporter Wang He founder--internet finance early test water person I have been doing the Internet. 2010, I just graduated from work in Baidu, began to finance peer-to-peer. The first time to pitch is 2011, was just understanding the peer-to-peer, not so deep understanding of borrowing, holding a playing mentality, feel that this thing as if the investment, they go to the peer-to-peer. After a while, found that their money basically did not get back. 2012 joined 360 of the start-up team to do technology, in the melt 360 exposure to internet finance, began to understand offline finance, lending relationships and so on. After 2012 investment net loan, began to study Peer-to-peer network loan mode. In April 2012, I knew Lao Hou, and he learned how Peer-to-peer should invest. The old is the net loan day the earliest founder of the eye, he has done a lot of data in the net Loan day eye, have the source of the platform data, bad debts, turnover and so on. 2012 Peer-to-peer Platform has sprung up, we have more than 100 statistics. Peer-to-peer industry in the Warring States Period of 2011 up the platform is basically in a state of loss, some entrepreneurs do not understand the Internet, also do not understand the financial, they only see the market must be very large, they are rushing to this. This group of people really want to do peer-to-peer, because he belongs to the taste of the people. The first year industry is not very good, may lose a lot of money. The main cause of the loss is bad debts, money released, no one also. At the end of 2011, many platforms will consider a problem, how to profit, how to do wind control and collection. At that time out of two star companies, one on the wing of the Dragon loan, wind control done particularly well, there are some franchise stores, with the traditional financial to do Feng control, to the early 2012, it began to slowly profit. The other is micro-credit, find a way to do car loans, collection ability is very strong, slowly began to profit. As of 2012, so many peer-to-peer platforms, we counted at least 23 of the platform's profitability at 10 million or more than 20 million. Through data mining for investors to do early warning I used to do technology, often research Peer-to-peer platform data, found that data can explain some applications, wind control problems. March 2013, the old Hou to visit the net win the world, think they are not very reliable, full mouth running train. I went to pick up the data and foundThe borrower is very single, the borrower's information is not complete, and the borrower's reason is basically not. At that time I said that maybe the borrowers were all fake. We also sent a warning on the website post, said the net wins the world may have the question. I have no proof to say that there may be a problem. It has a particularly high yield, at that time it was 40% and 50%. Then the net wins the world to run, our user basically did not suffer the loss. We also warned that copper is a loan. We find that data and information integration can help you think, identify, and identify problems. From the perspective of investors, we can see Pengcheng loans, mutual help loans, the state, the credit and so on, these platforms have emerged a larger problem. After our early warning, many of our investors withdrew. But we are very sad, then investors know that the net loans to the eyes of the day is not much. As the second largest web portal, we hope to be able to warn more investors. Many of my friends were tens tens. Until June or so, I said to Lao Hou, I think the net loan day can do a lot, information integration and investment is always able to serve the user. Because Peer-to-peer is a surprisingly growing industry, more than 30 billion of the Internet's turnover in 2012 was close to 200 billion by 2013. Old Hou is the founder of our Net loan day, before October 2013, is his personal website, he a person publishes the data, a person examines a platform, one person early warning, or some platform carries on the research. I told the old Hou, must put the net loan day development, avoid many investors cheated, let this industry cleaner. At that time I basically regardless of silver network, the whole body into the net loan day eye, because this industry development early stage, many people will be deceived. I hope to promote the development of the net loan day faster, including the big data, the investment tool, how to quantify the income, quantify the income ratio. I think that the network loan industry is particularly large, there are many things to do, the net loan day has a huge space to play an advantage. After October 2013, I found the old Hou, the net loan Day Eye and Silver Network merged, so we set up a network loan day Data media platform. We belong to a small and fast team, community, large data, APP, network loan investment tools, are a team. Our team currently more than 10 people, I am in charge of the company's large direction and product technology, the old Hou is mainly responsible for business and operations. Help investors information integration, Quweicunzhen we are doing some bookkeeping, billing, personal Network Credit Center project. These projects are to make investors very intuitive to know their investment income is how much, to avoid some platform investment blind zone. NET loan market in the support of large data, the integration platform information, summed up the type of each platform, the rate of return, or even the amount of the target platform, to assess the data performance of each platform. Investors yield is very simple, how much money to pay, how much time can be calculated. For example, a net-loan company's annual return rate of 10%-12%, investors should get at least 10%. But in fact, to achieve 10%-12%, investors must be a compound interest model-investors ' money is alwaysGo。 If you do not turn, you will not achieve these many benefits. There is also the time for investors, once the funds are not invested, the rate of return will be immediately reduced. I know a lot of platform investors, they calculate the yield of less than 7% a year, but the amount of time and money spent on it is particularly large, so from an investment point of view, it is a loss. Because the time cost is too high, every day to rob the target, Rob, the next day to Rob, this is a big investment misunderstanding. NET loan day to solve a lot of investment misunderstanding, it is able to allow investors to judge, according to their own situation to invest. Because the investment itself is risky, each platform's risk is not necessarily you bear, everyone's investment preference is not the same. For example, I and Lao Hou, our two investment style is completely different. Visit the Network loan platform, the timely issuance of early warning Network loan day will provide a lot of platform survey information, our users will also visit these platforms. If this platform works with the sky Eye, it must provide us with information. We need to troubleshoot, including phone numbers, ID cards. We are currently the largest network loan portal and one of the community, now investment network loans more than 50% of the users are on our website. NET loan this industry, the bystander thinks is a lot of cock silk in cast, but if you really start to invest net loan after you will discover, the real cock silk actually is oneself, others are Gaofu. For example, the Tens investment event, there are more than 10 users of the amount to be collected. Peer-to-peer early is not the cock silk in play, but many large. Our net loan investor general One understanding is this, has 1 million or so investment amount is called the small, 500,000 below are the individual investors, like 1.0002 billion we call the nanometer household, the big one is more than 5 million, the super big is 10 million above. We will provide a lot of platform information, not necessarily to each platform, but there must be investors in his area of the platform, do some due diligence, this information on our platform to create an aggregation. At the same time, users can give us a demand, we help users get the platform data. Now we do data and information integration, but also provide investment tools, for example, accounting for the daily income of users. Now Peer-to-peer platform risk, the first is moral hazard, a lot to do due diligence to see the platform rely on unreliable, there is no team, the team is not really do things, is not fraud. The second is the regulatory risk, is the legal risk, this thing is not illegal, is to do the transfer of creditor's rights, or a pure intermediary mode, or guarantee company cooperation model, there is no capital pool and so on. Third, operational risk, to examine operational risks to the platform's operational data requirements are particularly high, the need to be able to access data and read data, these days will be provided to investors. Third-party Peer-to-peer platform to cooperate with us, need to submit basic information, such as legal person's ID number, company registration information, team, office location, etc., this information is basically can be verified through the Internet. We have a special program monitoring platform to verify whether this Peer-to-peer platform exists, whether there is a website, legal person has no criminal recordAnd so on. Most of the platforms we work with now have transaction data. At present, we do not give users any referral, we hope that peer-to-peer investors to their own risk appetite to see the platform, which is an import problem. Second, after we study the data, some users will be interested to see the basic information, he may contact the platform, he will ask in our group, and even ask us for data, because the platform is basically impossible for him. We will communicate with the platform, so that the platform to provide data, and even investors directly to the platform to investigate, but also to provide some investment users to communicate with him, plainly let the platform and investors go closer, information can be symmetrical. NET loan Day the current profit model is relatively simple, the team is not too focused on the profit, we are more concerned with the development of the industry, to help investors find a reliable platform. Our investors-Shanda Capital will also help us design growth paths and future strategic plans. We are very proud of the net loan eye also spontaneously set up a rights fund, once there is a platform problem, investors need rights, our foundation to give some money to help investors ask lawyers to protect the rights of investors. We now have training for Peer-to-peer. We found that a lot of platforms are offline finance, offline experience is very rich, but the internet is a steal. We will help them to do internet marketing, platform operations training, to help them understand the Peer-to-peer network loan industry, understand the peer-to-peer industry may be involved in legal issues, but also provide some forensic training, currently no charge. Help Peer-to-peer platform to strengthen Internet technology, enhance security 2013 including 2014, Peer-to-peer Platform and network loan day many times by hackers attack, many platform technology is very fragile, spend thousands of dollars to buy a template, buy a program, published to the server, and even some platform even the default password is not changed in the background. The sky Eye has a set of Peer-to-peer platform security scanner, basically as long as we cooperate with the platform, we will be for their platform security scan. For example, whether the platform may have user privacy disclosure, whether there is a backdoor, SQL injection and so on. At the same time we set up a Peer-to-peer network loan security Technology Group, the current hundreds of platform technology inside, we will regularly give everyone to do technical training, when some platforms are attacked, we will be the first time to help them deal with hackers. Our open platform, mainly for the platform services, because many platforms from the beginning to the end, basically need a lot of services, otherwise operational risk is relatively large. We found that there are some peer-to-peer entrepreneurs, he entered the industry is with cavity blood, in fact, for peer-to-peer network loans, they need to grow, and may be very soon, if the start of the time did not find a good direction, may have to close later. At present the domestic guarantee company has more than 7,000, I think future peer-to-peer platform will be bigger than this number, therefore needs this kind of service and the help platform many. NET Loan Day is the most investors trust the third party platform network loan Day is now a peer-to-peerThe three-party platform is the most word-of-mouth and trusted by investors brand. In the development of the platform, the user gave us a lot of suggestions and support. For example, users who visit Peer-to-peer platforms often automatically upload their research reports and photos to share their investment experience. The Sky Eye Community QQ Group Many users will spontaneously expose the platform the scandal and the nonstandard operation. The development data of the past two years tell us that Peer-to-peer network loan industry is still in rapid scale expansion ", this industry is still in the start-up period, the future industry volume is huge, more and more investors will enter the industry. NET loan Day hope through the information community, large data and investment management tools to better serve users, to help investors avoid the investment blind zone. At the same time to the team's note is the heart, mindfulness, is the line for Peer-to-peer industry to create strong armor for the development of the industry, investment escort investors.