The elite men on Wall Street will be replaced by technical men in T-shirts.
Guo Yuhang, founder and co-CEO of Dianrong, first introduced his entrepreneurial experience and told everyone how to do their own career planning.
Guo Yuhang said that when Dianrong started his business, there was no tall office, only him and his partners. It took half a year, and after many difficulties, he went online and hatched the company. Generally speaking, joining a startup company may not be as glamorous as joining a traditional financial institution, but it is challenging and will bring more opportunities and enable people to engage in the latest and most cutting-edge industries, so it is a wiser choice than joining a bank.
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Guo Yuhang, founder and co-CEO of Dianrong
When talking about the future trend of finance, Guo Yuhang said that in the future, technical men wearing T-shirts will replace the financial elite men wearing smart suits on Wall Street. In the past, technology was just a tool to help financial institutions make money faster. This round of financial innovation represented by P2P and crowdfunding has served 80% of people who are not covered by banks from the bottom, making this round of financial technology development truly meet the needs of customers, not just tools. Finally, Guo Yuhang expressed the hope that the mutual gold industry he is currently engaged in will not only bring rich material returns to everyone, but also change finance with technology, so that finance can make everyone's life better.
The elite men on Wall Street will be replaced by technical men in T-shirts.
Feng Ruibin, chief risk control officer of Dianrong, let everyone feel that financial technology can make more people enjoy financial services. He said that 80% of people now have no access to financial services, and 2 billion people have no bank accounts. The power of financial technology can make these 80% people enjoy inclusive finance services, and at the same time, it can also reduce operating costs and bad debt rate. The blockchain financial platform jointly launched by Dianrong and Fujintong, a financial platform owned by Foxconn, is because traditional supply chain finance companies can only provide financing services for about 15% of suppliers in the supply chain, and with the help of blockchain technology financial platform, 85% of suppliers with financing difficulties can get better financial services.
Feng Ruibin, Chief Risk Control Officer of Dianrong
And how to use the mobile internet to serve low-income groups that traditional financial institutions cannot serve? Feng Ruibin said that Dianrong will treat customers with different loan needs in different ways. For example, customers with low loan amount only need face recognition and data available on their mobile phones. If you need a higher loan amount, you will need more mobile data. We obtain the relevant data in the user's mobile phone through user authorization, which not only has a good experience, but also reduces the cost of obtaining customers, which is much more useful for risk control than obtaining reports.
Blockchain technology can increase the visa speed from 2 months to a few seconds.
Kong Lingxin, Chief Technology Officer of Dianrong, opened a picture of innovation and development in the field of financial technology. He said that we are in an era of particularly rich information, and many actions of everyone will leave data, which brings competitive advantages to financial technology enterprises across banks and departments. For example, the data of a 28-year-old single mother borrower, which used to be kept in only one department, can now be kept in many departments, which not only helps to build a model, but also can be presented to investors, so that investors can feel that their money has really helped those in need.
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Kong Lingxin, Chief Technology Officer of Dianrong
Blockchain technology is equivalent to a magical account book in this information-rich society. Its tamper-proof performance is very good for finance, which can reduce many opaque problems. For example, if you want to travel to Japan now, you need to go to the bank to open a deposit certificate of 50 thousand, which may take 2-3 months. If the blockchain technology is used, the bank not only knows everyone's deposit information, but also knows how long the deposit has been in the name. When applying for a visa, you will get a key from the bank and provide it to the Japan Tourism Bureau. Because the blockchain cannot be tampered with, you can issue a visa in a few seconds. The application of blockchain in financial technology can also greatly improve the efficiency of financial services.
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Dianrong executives answered students' questions on the spot.
After the activity, HR colleagues at Dianrong said that they had received more than 50 internship resumes of Jiaotong University students, and two of the first batch of Guan Peisheng at Dianrong were from Antai College of Economics and Management. Before the sharing activity began, Dianrong also sponsored the graduation season basketball match of Antai SEM and held a friendly match with five basketball teams of Antai SEM.
Brief introduction of Dianrong executives
Jiabinyi
Founder and co-CEO of Dianrong.com: Guo Yuhang? Before Mr. Guo Kaiwen founded Dianrong.com, Mr. Guo Yuhang was the managing partner of a well-known Shanghai law firm. Lawyer experience/kloc-more than 0/0 years. He has acted as an intellectual property agent for well-known multinational Internet companies such as Siemens, Google and Microsoft, and served as a legal adviser to several venture capital funds. He has a deep understanding of Internet finance and investment. ? Mr. Guo Yuhang is currently a member of Shanghai Youth Federation, vice chairman of Huangpu Youth Federation, director of Shanghai Institute of New Finance, an expert of China Internet Branch Insurance Association, 50 people in China Credit Information Industry, and an entrepreneurial tutor of Global Entrepreneurship Leader Project of Tsinghua University Wudaokou Finance College, and was elected as one of the top 10 it youths in the 13th Shanghai. In 20 15, he was named as "Outstanding Young Entrepreneur of 20 15" by "13 China Financial Billboard" and was awarded the title of "Leader of Shanghai Financial Industry" jointly by Xinhua News Agency, Shanghai Municipal Committee, Third Committee and Financial Office. 20 16 12 was appointed as a member of the Second Committee of China People's Political Consultative Conference. ? Mr. Guo Yuhang is currently an EMBA from Wudaokou, Tsinghua, and an EMBA from School of Advanced Finance, Shanghai Jiaotong University. As an industry expert who participated in the discussion of Internet finance policy making in China, he co-authored the book "Theory, Practice and Supervision of Internet Finance" with the regulatory authorities, which was published at the end of 20 14. At the same time, he also opened personal columns in mainstream media such as Caixin.com, Sina Finance, Zero One Finance and Weiyang.com. ..
Jiabinji
Chief Risk Control Officer of Dianrong.com: Mr. Feng Ruibin Bryan Pang has rich experience in the operation, marketing and risk control of financial institutions for nearly 20 years, and has a deep understanding of various credit risk management such as personal retail, small and micro enterprises and supply chain finance. Especially for the credit risk of SMEs, Mr. Feng Ruibin once upgraded the credit management of SMEs in Standard Chartered China to "world-class level", including redesigning and adopting the best industry practices in the SME banking business of Standard Chartered China; Mr. Feng Ruibin also participated in the establishment of the SME credit business model of Fu Deng Investment Credit Guarantee Co., Ltd. (a wholly-owned subsidiary of Temasek Holdings), which is known as the "credit factory" in the industry. Mr. Feng Ruibin has long led the credit risk team. Before adding a little melting. He served as the head of SME Risk Department of Standard Chartered Bank in China, the chief risk officer of Fu Deng Investment Credit Guarantee Co., Ltd. and the deputy chief risk officer of Ping An Pratt & Whitney Company.
Jiabinsan
Chief Technology Officer of Dianrong.com: Kong Lingxin and Kong Ling.
Mr. Kong Lingxin has more than ten years of experience in strategic planning and team management of Internet technology companies. The first two ventures in Silicon Valley in the United States caught up with the first wave of Internet entrepreneurship in 2000 and led the company to go public successfully. Since then, he has worked for Microsoft and NetApp respectively, responsible for technology research and development and project management, successfully and effectively developed and managed large-scale cross-international team projects, and led the development of several cloud platform products, with millions of active users and total revenue exceeding 1 billion US dollars. The third venture was in China, and the mobile platform was invested and recognized by Sequoia Capital. ? Mr. Kong Lingxin holds a double degree in computer science and psychology from Stanford University. He is good at human-computer interaction (HCI) technology, and once served as a guest lecturer in Peking University.