Shen Lei is 26 years old or a student: in 20 10, Shen Lei was recommended to Dr. Tsinghua, and in 20 12, he chose to drop out of school and start a business. The financial management mode is Shen Lei's second venture. Is it his first P2P service platform for college students? Brother, can you help me? , and also obtained financing.
Shen Lei thinks he is a typical college student entrepreneur, and he and the entrepreneurial team are full of students' feelings. Young, aggressive, aggressive, this? Other people's children? Leading a young team, it has achieved nearly 400 million business volume in half a year, and has become a force to be reckoned with in the P2P network investment and financing industry.
Like many student entrepreneurs, Shen Lei's first venture focused on the specific needs of student groups. Brother, can you help me? This name can be seen, this is a platform to provide targeted social services for students at school; When Shen Lei started to establish a financial management model, his brothers helped him to register 5 million users and get financing, but it was difficult to find a profit model on the platform that exploded on campus. Will unprofitable enterprises suffer in the future? . On October 20 14 1 month, Shen Lei quickly started his second venture. Brother, can you help me? Financial management mode. ? I used to help students, but now I deal with money directly and help small and micro enterprises.
From students' idealism to rationality in the workplace, it is not only the change of entrepreneurial projects, but also the change of Shen Lei from the basement of vest and slippers to the office building in suits and ties. Young is still the most valuable advantage of this team and its founders, and what is even more rare is that the young team has already had relatively mature entrepreneurial experience. Changes in environment and appearance are only appearances. Shen Lei's idealism and students' feelings still exist, and some clues can be seen from the business of financial management.
? Financial management model? After three months on the line, 20 Song financing projects were completed, with a total financing of nearly 200 million yuan. In June of the same year, IDG10 million yuan was invested. According to the latest official data of Li Caifan, as of September 15, its financing has reached nearly 400 million yuan.
In addition to business growth, in order to cope with the risks brought by internet finance, Li Caifan also pioneered a three-tier risk sharing model, that is, the borrowing enterprise projects recommended by financing guarantee companies will be compensated by financing guarantee companies once overdue or bad debts occur; The platform collects 30% of the overall income of the financing guarantee company as a risk deposit; Borrowing enterprises provide sufficient fixed assets mortgage to guarantee institutions as counter-guarantee measures.
At the same time, there is also a legal aid fund, which provides legal and economic assistance for investors' rights protection. The funds held are used to hire professional lawyers for investors to deal with legal issues and help recover investment income. In this regard, Shen Lei said? Li Caifan allocated RMB 654.38+0 million from the company's own funds as special legal aid funds, which were specially used to provide legal support for financing projects on Li Caifan's platform. If there is a dispute over any financing project on this platform and it is necessary to file a lawsuit or arbitration procedure to solve the dispute, Li Caifan will quickly start the legal aid fund and hire professional lawyers to handle relevant legal disputes on behalf of investors, so as to help investors recover their investment income and protect their rights and interests to the maximum extent. ?
Of course, Shen Lei never shied away from his dream of starting a business. ? I once thought about what I started my business for. Is it to make money? In fact, I prefer to see the social value of what I do. Financial management, is it gone? Money? It's a little close, but I still hope to bring convenience to small and micro enterprises. ? Shen Lei admits that what he never wants to lose is the feelings of entrepreneurs.
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