Digital Kingdom

"Mr. Zhao" Zhao Jing made the tea and placed it on Zhao Ziming's table.

"Xiaojing, are you still getting used to it these days?" Zhao Ziming looked at her and said mildly.

As soon as Vice President Wang revealed that Zhao Ziming was missing a secretary, Zhao Jing immediately agreed, and took the post as soon as he packed up that day.

Of course, being a secretary for the first time is unavoidable. Zhao Ziming doesn't mind very much. Both of them are adapting.

"Very good, Mr. Zhao" Zhao Jing smiled sweetly, wearing a thin air-conditioned shirt with a simple white vest and a pencil skirt on her lower body, making her look thin.

The black pencil skirt tightly wraps the hips, covering the flesh and showing the figure, generous and decent, looking confident.

"Well, tell Liu Zhiyuan to come over," Zhao Ziming ordered.

"Okay, Mr. Zhao" Zhao Jing stepped out on high heels, lilac black silk, a bit sexy and mysterious.

"How many bad debts does the company have?" Zhao Ziming asked, waiting for Liu Zhiyuan to come over.

"There are a total of 2.87 million." As a risk control manager, Liu Zhiyuan knew this number well. He took Zhao Jing's cup and said thank you.

"Owed so much" Zhao Ziming was a little surprised. At the beginning, Li Youming said that the company still has some accounts receivable. A gift from Brother Nuan, he guessed that the company should have a lot of bad debts. Who knew there were so many.

"Very few loans were recovered in the first few months. Li Youming has been piecing together." Liu Zhiyuan did not show much respect for Li Youming.

"What can you do about this money" Zhao Ziming thought about it and asked.

How to get the money back, Liu Zhiyuan, as the person in charge, has also thought about this. Let's go through the legal process, which is laborious and laborious. It is estimated that the money to be returned cannot cover the labor costs.

"We can cooperate with offline debt collection companies, but they have high handling fees and high risks. If we rely on our own debt collection, the efficiency is still a bit low," Liu Zhiyuan replied.

"In terms of how to operate, what I consider is entanglement, diligence, force and speed"

Liu Zhiyuan explained the next steps in detail.

Haunt the borrower, no matter where he is or what he does, he must be fixed on him and make him impatient until he repays the loan.If you can't find the borrower, find the person who has the closest relationship with him.See the money as the standard, don't trust his promise.

The loan collection should be diligent and frequent, try not to give the lender a chance to breathe, it is best to affect his normal work and life, grasp the degree, and do not violate the law. In this way, the lender will probably repay the loan voluntarily.

To find the weakness of the borrower, put pressure on him, persecute him, don't give up without money, and test his bottom line.

There is also the need to react quickly and predictively to unexpected events that occur. If the borrower takes any action, immediately take corresponding actions to prevent the borrower from taking the opportunity to run away.

"Forcing is still useful, but the demand on the dunning person is very high, and the degree is not easy to grasp. How to force the borrower can make the borrower unable to resist, and will not collapse, it is a test of people." Zhao Ziming sighed. , It can be said that in online lending, it is very common that the borrowed money is not repaid.

"Do you have a suitable candidate?" Zhao Ziming asked.

"I want to try it myself" Liu Zhiyuan replied unexpectedly.

Zhao Ziming gave him a high look. After all, he was a scholar, and being able to pull his face down to do this was also a breakthrough.

"How much is the local debt?" Zhao Ziming thought for a while.

"Less than one million" Liu Zhiyuan answered quickly.

"Then sort out the materials, you just go to the door to ask them, stare at them to death, they can't bear it, see if they want to face," Zhao Ziming arranged, "As for the non-local, you will arrange the materials for me and bring them, and I will operate it. "

"Okay Mr. Zhao" Liu Zhiyuan nodded in agreement. It's okay to say that the local debt is owed. I have been there before. Maybe the method is too gentle. This time I can't say that I have to look down.

After Liu Zhiyuan left, Zhao Ziming instructed Zhao Jing not to disturb herself. He stretched his feet on the table and slowly thought about things.

Zhao Ziming has a vague idea about those who owe money in other places, which is to add all his friends in his circle of friends through a small newsletter, and expose his friends, colleagues, and family for non-payment.

I believe this should be able to rectify a lot of people, some people have a thick face on the Internet, and they are very shabby in real life.

Once there is a risk of reputation damage, it is guaranteed to be better than a rabbit. After screening, contact the local accounting company.

There is also the credit card issue. Zhao Ziming held the tea but didn't drink it, but Zhao Gang was too ridiculous.

Zhao Jing was too jerky, and Mao Jian also used boiling blisters. Zhao Ziming took a sip, but it was good and seductive and could only be improved slowly in the future.

The credit card was only sold for 2 million, which is still half of the gap. We must find a way to solve it.

First consider looking for a bank loan, but it is not easy to approve. On the other hand, the debt collection matter just now stimulated Zhao Ziming. He can also borrow on the Internet. Now there are so many online loan companies, and the companies are not connected to the Internet. Baijia, it should be easy to make up 2 million,

There is less than a month to repay the loan. The time is not urgent. 2 million should not be a problem. Even if the interest is higher, as long as the cash flow continues to make the company operate normally, these are all affordable to me.

After solving external troubles, the company has gradually embarked on a normal business path. Zhao Ziming also knows the company's cost.

According to some financial information, Zhao Ziming roughly estimated that the company’s monthly cost would need more than 400,000 yuan.

1) The company has 25 employees, with an average salary of 6,000 yuan per month, a total labor cost of 150,000 yuan, and senior management 50,000 per month;

2) Investment in office equipment and fixed equipment (computers, printers, etc.) purchased for website construction, server storage, electronic signatures, SMS channels, etc., does not need to be considered for the time being;

3) Consumption of office supplies, pen, ink, paper, inkstone, bottled water, telephone broadband refueling fees, an average of 10,000 yuan per month;

4) Annual inspection review, financial tax filing, entertaining customers, participating in industry exchanges, an average of 10,000 yuan per month;

5) The monthly call charge is almost 150,000.

6) The rewards for monthly bidding and promotion depend on the results.

Coupled with the continuous occurrence of bad debts, so much investment every month, there is no profit point at all, no wonder Li Youming can't support it and wants to package and sell the company.

For Zhao Ziming, there is no strong financial resources behind him, and the company must be balanced to maintain the company. The monthly profit must be more than four to five million yuan.

Generally speaking, the company's monthly loan income can reach one point, that is, the loan amount is multiplied by one percent, and the loan of 4000 can have an income of 400,000.

However, this income includes "wealth management commission, loan commission, risk control commission and third-party fees, etc.", and the net profit income is approximately 0.5%.

In order to achieve a balance of payments, the monthly transaction volume must reach at least 40 million yuan.In other words, an average daily transaction volume of more than 1 million yuan is needed.

Li Youming's first year was a little better, and he didn't lose a lot. Since the beginning of this year, market competition has intensified. Various online loan companies have sprung up in an endless stream. Some platforms dare to call out 50% interest, regardless of whether it is a lie. Running off, at least attracted many investors.

Li Youming is in a serious business. He can't lose the current interest rate, so he dare to follow suit.

In addition, many companies were originally offline microfinance companies and underground banks. They are rich in resources. Li Youming has no way out. In addition to hundreds of thousands of inverted postings every month, he is also affected by his brothers. The cynicism finally couldn't hold on.

With a monthly trading volume of 40 million, Golden Dragon is still under pressure to find both investors and high-quality lenders.

For high-quality lenders, Zhao Ziming decided to focus on recent graduates who have signed a tripartite agreement.

According to Zhao Ziming's instructions, Xiaoxin collects public information through social software such as Renren, QQ, and Weibo, focusing on five types of data, namely social data, search data, consumption data, work and study data, entertainment data, etc.

Through comprehensive analysis, we initially placed loan users on recent graduates, and then screened them out. Students who came from a prestigious school, had a fixed work unit, but had a difficult family background, or had high daily expenses, proactively issued loan advertisements to entice them to come. Golden Dragon applied for a loan.

After all, the repayment ability of these people is guaranteed.

“Actually, you can also lend money to the beauties among the students at school. Beautiful women are quality resources after all.” Zhao Ziming suddenly thought.

However, he immediately overthrew his own ideas."Although beautiful women are high-quality resources, there are many poor beautiful women, and the company will not be able to do things that force the good for prostitution, and the beauty loan is fine."

For those who come to Jinlong to apply for loans on their own initiative, Zhao Ziming instructs the risk control and business departments to request applicants to provide their own social accounts. Through the Internet, collect fragmented information of applicants, browse records, establish risk control files, and judge loans from multiple perspectives. risk.