Recast youth

Chapter 2477 Killing three birds with one stone

The meeting dispersed.

Ye Feng returned to the office, and Wang Xin, Yang Xiaowan, and Shen Yu also returned to the office with him. Ye Feng took out tea leaves and made a cup of tea for each of the three.

“I don’t see how ambitious you are to do Maple Leaf Payment.”

After Wang Xin sat down, she looked at Ye Feng and sighed and said that in the past few years at Lanshan Group, in addition to her daily work, Wang Xin also took time to learn management and finance.

So she knows what it means once Ye Feng opens a lending function in Maple Leaf Payment. This does not mean that if you lend out one billion or 100 billion, the fund plate will be fixed this big.

This is a way to make money and leverage the original funds ten times or even a hundred times.

So it's no wonder that Li Zhedong lost his composure in the meeting just now. In a sense, Ye Feng's idea is to snatch away the credit card business of the banking industry, which is undoubtedly a tiger's mouth.

"As a businessman, don't you just pursue maximizing profits?"

Ye Feng picked up the tea cup and took a sip without taking it seriously, and said.

Since Shen Yu was not in the Lanshan Group, he had not expressed his opinion when he was in the conference room. Now that there were no outsiders, Shen Yu curiously asked Ye Feng: "What if those people don't repay the money they borrowed? You always It’s impossible to search for them all over the world, right?”

"No."

Ye Feng shook his head and put down the teacup, looked at Ye Feng and explained: "There will be an electronic contract for them to sign before borrowing money. If they don't pay back, we just need to sue them according to the contract."

Shen Yu asked again: "What if you really don't have the money to pay it back? After all, if they have money, they won't borrow money online."

"So this requires risk control. Those with low credit scores will not be allowed to open the borrowing business. Only those with good credit can open the borrowing business, and the limit must also be controlled. It will take one year to repay the principal and interest in equal amounts every month. payment method, so that the risk can be reduced.”

"Then how do you know whether the other party has good credit or bad credit? How do you judge the credit score? After all, you don't know them."

Shen Yu was still curious.

He still doesn't understand the user's operations when Ye Feng wants to borrow money on Maple Leaf Payment. He feels that the risk is very high. Borrowing money in real life is so risky, let alone the Internet?
In fact, Shen Yu was not the only one who was curious.

Wang Xin and Yang Xiaowan were also very curious and looked at Ye Feng, wanting to hear Ye Feng's plan.

Ye Feng did not hide his clumsiness and said with a smile: "Actually, the plan is simple, that is, let them authorize us to check the credit report. We can give priority to opening the borrowing business to users with credit cards, and then judge based on their credit card limit. Should we give them a quota? How much should we give them? For example, for example, this credit card user has two quotas of 20 each, but has only used less than half of the quota. Can we open a loan business for them? If they can't afford it, they can pay it back with a credit card. Us."

Shen Yu asked again: "Then those who don't use credit cards won't borrow money?"

Ye Feng shook his head: "It's not that we won't borrow, it's just that their priority is later. Without a credit card, I don't know their debt status. This can be slowly opened up later when the fund plate becomes larger. The bad debt ratio can be allowed to be higher." Some."

"sharp."

After hearing this, Shen Yu could only give Ye Feng a thumbs up, and then couldn't help but look at Ye Feng and said, "I understand why you can become the richest man. By the way, we eat the same food in college, don't you?" You secretly added nutritious meals to yourself behind our backs, why are you so smarter than us?"

"Eating a golden partner."

Ye Feng said angrily when he heard this, then looked at Yang Xiaowan and said: "Well, you should work harder now. You can take care of the logistics of Lanshan and Dongyu Mall. When the mall and logistics become large-scale, you can Just focus on that, okay?”

"Well, okay." Yang Xiaowan nodded.

Wang Xin was really reluctant to let Yang Xiaowan leave, so she said to Ye Feng with a smile: "Then I'm short of people again? I finally got a big guy to take over some of my work, but the result is still temporary."

Yang Xiaowan smiled and did not express any opinions.

"There's no other way. If you can, work harder."

Ye Feng ignored Wang Xin's request. He still wanted Yang Xiaowan to focus all her work on Dongyu Mall and Dongyu Logistics. The former was now at a critical time.

If Dongyu Mall can gain a firm foothold within a year, it will become JD.com in the future.

The latter is the key factor for Dongyu Mall to gain a foothold.

Of course, brand is also a key factor.

Thinking of this, Ye Feng suddenly realized that he had entered a misunderstanding before. What Shen Yu was currently doing was to popularize Dongyu Mall in Dongzhou City, and then improve the distribution system in Dongzhou City.

It does work.

After all, Shen Yujia is the largest electrical appliance agent in Dongzhou City. It can win the trust of local people by relying on physical electrical appliance stores. After all, if there are quality problems, you can always go to Shen Yujia's electrical appliance store.

But for more users, besides convenient logistics and distribution, what is more important?What is more important is the quality of the product, whether it is genuine and whether it has been repaired.

After all, electrical appliances are big items and not cheap.

What should they do if there is a quality problem?Did you come all the way to Dongzhou City to find Shen Yu?It's not realistic either.

Therefore, if Dongyu Mall wants to truly develop, in addition to delivery, it must also win the trust of users. Only when users have trust in the electrical appliances in your mall will they place an order.

While Ye Feng was thinking, Yang Xiaowan looked at Ye Feng and asked, "Do you, Dongyu Mall, sell electrical appliances such as air conditioners, washing machines, and televisions?"

"It's not just that."

Ye Feng shook his head and said: "This is only temporary. After Dongyu Mall is recognized by the market, it will still sell keyboards, mice, computers, and all electronic products."

After hearing this, Yang Xiaowan thought for a moment and said, "Then I think you shouldn't focus on development. Logistics is not the most important thing at the moment. You can first negotiate contracts with major electronic product manufacturers."

"What kind of contract are you talking about?"

Ye Feng asked curiously.

Yang Xiaowan said: "I also used Amazon to shop when I was in the United States. Relatively speaking, Amazon's system is more complete. First, sellers will maintain close email interaction with buyers. Whenever an order is placed, the seller will After the goods are shipped, they will update the order status with the buyer through email. After the buyer receives the goods, they will also communicate with the buyer about the feedback on the use of the product. This is the first point to gain the trust of users. Information is Communication is very important, and the second thing is the authenticity of the product.”

"You also said just now that electronic products such as keyboards, mice, and computers will be put on the shelves. I think you can communicate with the manufacturers and sign a contract to let the manufacturers come to Dongyu Mall. With the brand's presence, you can guarantee the products. The authenticity rate is high, and then you, as a platform, extract a share of each order from the merchant, firstly, to gain the trust of users, secondly, to reduce risks and capital costs, and thirdly, to bring profit returns to the mall itself.”

(End of this chapter)