Let you be a great man, not a scumbag

Chapter 1661 Xindun Risk Control

But the swelling is real.

Anyway, as long as it is swollen, it is considered big, so even if it is B, it is enough.

After receiving the license plate, Jiang Cheng said politely, "Thank you very much, Uncle Huang. How much did you bid for this license plate? Now I will buy it from you at double the market price. Thank you for giving it up."

Huang Zonglei was helpless when he saw Huang Yiyi take out the things so quickly.

However, Huang Yiyi's words were neither awkward nor brought him and Jiang Cheng closer together, which made Huang Zonglei immediately have more admiration for his daughter.

Huang Zonglei smiled and said, "You're welcome. Yiyi told me a lot about you before. Like what Yiyi just said, this is all fate."

Then he immediately handed the menu to Jiang Cheng.

"Come, I've already asked them to prepare their signature dishes. See if there's anything else you like to eat."

Seeing that Huang Zonglei skipped the question of price, Jiang Cheng did not deliberately bring it up again.

I took the menu and ordered a few dishes at random.

The atmosphere at the table was a little subtle.

While the waiter was serving the dishes, Huang Zonglei raised his eyes several times and wanted to speak, but swallowed the words back when they reached his lips.

Out of the corner of his eye, he saw his daughter lowering her head to add more tea to Jiang Cheng. Her relaxed and natural look made him seem too anxious and he really couldn't bring himself to do it.

Twenty minutes later, Jiang Cheng was full.

But Huang Zonglei seemed to have no appetite.

This is completely different from what Huang Zonglei imagined.

He originally thought that a boy of eighteen or nineteen, even if he came from a wealthy family, would always have a bit of immaturity in his words and deeds, or be unconcealable in his flamboyance.

But Jiang Cheng was not as talkative as him. Most of the time he just listened quietly to Huang Yiyi talking about school matters, and occasionally nodded in response.

When his eyes swept over, there was no youthful curiosity in them. Instead, they were like a precise ruler, which could measure a person's thoughts clearly with just a light glance.

Jiang Cheng put down his chopsticks only when the hot dishes on the table gradually cooled down.

After wiping his hands with a wet towel, he looked up at Huang Zonglei, who was hesitant to speak, and said in a calm but direct tone: "Uncle Huang, you invited me here today, it shouldn't be just to give you a license plate, right?"

As soon as these words were spoken, the box fell silent.

Huang Zonglei was stunned for a moment, then seemed to breathe a sigh of relief and tightened his grip on the teacup.

After the meal, he had an even higher opinion of Jiang Cheng.

Jiang Cheng's behavior and character were even more advanced than he had imagined.

Even though it was him, he was still a little overwhelmed by Jiang Cheng after the meal.

Huang Zonglei's Adam's apple rolled, and his fingertips unconsciously stroked the cold wall of the cup.

Even her voice was a few notes lower than before. "Mr. Jiang, to be honest, I work in P2P financial risk control. Our company is called 'Xindun Risk Control.' A few years ago, when the market was good, our annual profit could even reach around 8 million yuan. But since the end of last year, our capital chain has been getting tighter and tighter."

He paused, and when he looked up, there was obvious anxiety in his eyes, even the white hair at his temples seemed more glaring.

"We at Xindun Risk Control are considered a leader in the P2P industry. However, starting this year, more than a dozen leading online lending platforms we previously worked with have collapsed one after another. Several of our partners have been in arrears with their service fees, preventing us from recovering our funds."

Jiang Cheng continued Huang Zonglei's words, "After the loan companies went bankrupt, the banks began to tighten their control over your risk control company's business. As far as I know, you applied for loans from multiple banks but were rejected each time. The reason was that a platform of your size was too risky. Furthermore, the money in your company account now probably can't even cover next month's employee salaries, right? If you can't raise more funds, you'll have to declare bankruptcy next month."

Huang Yiyi sat next to him, the spoon in her hand resting in the dessert bowl, and her eyes, which had been bright just now, were now covered with a layer of panic.

She only knew that there were problems with her family company, but she didn't expect it to have reached the point of liquidation.

Her fingers subconsciously clenched the tablecloth, and she looked at Jiang Cheng with a hint of anticipation.

He added quietly, "My dad hasn't had a full night's sleep in the past two months. Every day he's either apologizing to clients or running around looking for financing."

Huang Zonglei didn't respond to his daughter's words, but stared at Jiang Cheng.

Since Jiang Cheng knows so much about their company's situation, it means he must have investigated him in advance.

Huang Zonglei said directly, "I heard from Yiyi that Mr. Jiang's Xingchen Investment specializes in corporate investment and financing. I know it's too abrupt to ask you for help directly, but..."

Huang Zonglei was interrupted by Jiang Cheng before he could finish his words.

Jiang Cheng's fingertips rested on the license plate registration certificate placed beside him.

There was no emotion in his eyes as he spoke calmly, "Uncle Huang, your financial risk control company is essentially supposed to help other institutions with risk screening. For example, you're doing qualification reviews and bad debt warnings for small loans from banks. You make money from technical service fees, right?"

As early as when he saw Huang Yiyi and Huang Zonglei at the school gate, Jiang Cheng had already asked the security team to investigate the matter of Huang Yiyi's family.

Therefore, we can have a clearer understanding of Xindun’s risk control.

Their company mainly helps loan companies with risk control screening.

For example, in the past, if you wanted to get free deals online, you would submit your information but it would still go through manual review.

Manual review will take at least several days, after all, they have to check your information, right?

However, manual screening is prone to errors, allowing some people who have taken advantage of large amounts of money online to successfully apply.

But if these loan companies access the services of risk control companies, it will be different.

The system can identify true and false information in just a few minutes, and even just by knowing your ID number, it can check whether the applicant has any record of defaulting on other platforms.

Whether you have falsified proof of income or your bank loan status.

Therefore, in the past few years when online lending companies have become popular, risk control companies have also developed rapidly.

However, since the beginning of this year, many online lending companies have gone bankrupt for various reasons.

So naturally these risk control companies also entered a cold winter.

Huang Zonglei's company's default probability calculation accuracy for micro-loan customers is 17% higher than that of most outsourcing companies on the market.

It is particularly good at capturing the hidden debt data of small and micro enterprises.

In fact, this is in line with the technology that Xingchen Investment urgently needs to develop in the consumer finance sector.

Like Alibaba, they also have their own Ant Shield risk control system.

More importantly, 2018 is a period of industry reshuffle.

At this time, almost all risk control companies had problems with their capital chain.

Therefore, the cost of bottom fishing for risk control companies that have core technologies but lack money is at least two-thirds lower than forming a team on your own.

They can even directly master the technology while obtaining the cooperation resources of the city commercial banks in their hands.

It's really a bargain.

So Jiang Cheng came here today indeed to take over Huang Yiyi's company.

Although Jiang Cheng can now delete his negative news on the two major platforms of Xinlang and Dudouyin.

But if you can take over Xindun Risk Control, it means that you will be able to control the system that can monitor public opinion on the entire network 24 hours a day.

If someone spreads negative news about you online.

As long as this system is in place, the source of the post can be located in a few minutes.

It can also work with public relations companies to release positive cases to suppress negative information.

It is a hundred times more efficient than simply using connections to delete posts.

Huang Zonglei nodded, his tone more eager to explain.

"Yes! Our core team all have backgrounds in bank risk control. A few years ago, we helped several city commercial banks with micro-loan risk control, and we were able to keep the bad debt ratio below 1.2%, which is more than half the industry average. Later, seeing many of our peers making quick money lending themselves, we couldn't resist setting up a capital pool, hoping to profit from both 'risk control + lending'. However, when regulations tightened in 18, the capital pool ran into problems first, and even our core business was on the verge of collapse."