This is nothing unusual. For many people, the first reaction is just, "Oh."
But this time, Thunder still has something special-the founder is from Peking University.
Behind Renren Loan is the founder of Peking University, a century-old prestigious school, whose team all graduated from Peking University and Tsinghua.
As the top universities in China, they are particularly sensitive to the sense of smell of making money. Knowing that P2P has a lot of money to gain. After joining in, the scale has been particularly large. According to the statistics of industry organizations, those who work on P2P platforms and Tsinghua Peking University are all executives, and the scale to be collected is basically above 1 100 million. There are 8 1 P2P platforms with revenues of over 100 million, among which 38 are executives from Tsinghua Peking University.
Learning to bully is learning to bully, and cutting leeks is the best.
But why Tsinghua Peking University? Why do they make P2P so big?
Obviously, the status of Tsinghua Peking University graduates can bring a lot of rich and convenient resources to these people, especially financing and getting users' investment. Take a closer look, and you will find that those graduates from Peking University and Tsinghua, from the initial capital to the first round, the second round and the third round of financing, are much faster and larger than others.
In addition, this identity can easily be packaged into various elite leaders, and the story is full of plots. As soon as I heard that this "industry leader" belongs to Peking University, users quickly paid for it!
I know a doctor in a top cancer hospital in China. He graduated from Peking University. In 20 17, at a gathering of Peking University alumni, he learned that Peking University alumni had founded a P2P called Lending to Everyone. Then I kept putting money into it, until the beginning of this year, I put in hundreds of thousands, and finally I put in a total of 700 thousand. And he doesn't know this "alumnus" at all. I just think that as long as they are from Peking University, they are friends.
But those who play P2P never said not to cut alumni.
P2P platform has been regulated and cleaned up. It's time to have a good look at the phalanx of Peking University Tsinghua coming towards us with sickles.
High flyers, Peking University, collectively entered P2P.
Tang Ning from the Department of Mathematics of Peking University was the first person to eat crabs.
After graduating from Peking University, this talent went to Southern University to study economics. After graduation, I worked in DLJ Investment Bank on Wall Street in the fields of finance, telecommunications, media, listing of high-tech enterprises, issuing bonds, mergers and acquisitions, and so on.
With overseas experience and returning to China, Downing seems to have discovered the "New World". At that time, the domestic personal credit information system was not yet mature, and Tang Ning founded CreditEase Company in Beijing, intending to make efforts. In his words, it is called "planting crops in saline-alkali land".
The crops planted by Tang Ning are growing well. Yirendai, an online lending platform owned by CreditEase, was successfully listed on the NYSE on 20 15 12 18, becoming the first overseas listing of Internet finance in China.
Old-timers charge ahead, and younger brothers and sisters flock.
20 10 On April 28th, Yang Yifu and Li Xinhe, who graduated from the Department of Financial Mathematics of Peking University Institute of Mathematics and Applied Mathematics, got together with Zhang Shishi of Tsinghua Campus and founded Renren Loan. In just two years, this company led by three seniors has developed into a popular group company, and in 20 18, the group was renamed as Jin Fu with Heart.
Following in the footsteps of alumni, in 20 1 1 year, Xu Jianwen, a graduate student at Peking University School of Economics at that time, listened to his friends talking about the novel P2P model, and at the same time learned that private lending had a strong desire for funds. He also entered the industry and built a platform with the same name as alumni, so that everyone could gather money.
Peking University Department immediately ushered in the peak period of crazy influx into P2P industry.
And Wu, who founded Tounao and had internship experience in microfinance companies, opened a favorable network. Later, they all became industry leaders with huge volume.
Not long after, Yuan Chenglong, who was only 27 years old, planned to build Shangjinfu, saying that it "used a lot of mathematical principles to model the mechanism, carried out big data risk control and cloud computing from beginning to end, further strengthened business logic, and realized accurate prediction of trading volume. Based on the accurate model of financial mathematics, it adopted different strategies to manage assets, risks and liquidity, and on this basis, it maximized diversified financial layout and attempts."
By 20 14, Yang Gang, Liang Xue, Liu Jun and Lei Sun, alumni of Peking University, will generally throw out gold wallets, collect wealth, borrow the world from the people, and use Jiufu Wallet/Wukong to manage their finances. Concepts and titles are more frightening than one.
Gold Wallet announced the creation of an interest-bearing model for Internet physical gold circulation, claiming to be the world's first Internet gold interest-bearing product.
Jufu takes founder Liang Xue as a living signboard, saying that he has professional risk control personnel, risk control policies, risk control systems, a factoring company, and a Ping An guarantee 100% compensation. "Both hardware and software have double insurance for buyers."
People have a natural aura in the world and have always focused on the state-owned platform. Wukong Wallet simply found a big star, Hu Jun, as a spokesperson, and spoke for the enterprise with the star's personal reputation.
No matter how packaged, the core products of these platforms are ultimately P2P. When the thunder tide is rolling, these concepts and auras will not give them more opportunities than others.
Four years after starting a business, Liang Xue was arrested for illegal fund-raising, and the accumulated wealth he founded gradually collapsed, and dominoes fell one after another. In the same year, CreditEase, founded by Downing, seems to have encountered problems. It is reported that CreditEase will hold a meeting in the morning and register directly in the afternoon, and one-third will be laid off at the end of the month.
With the expansion of thunder tide, everyone has announced a benign withdrawal from the world, which network to invest in and everyone's wealth. Some have not had time to withdraw, and the favorable network is suspected of exploding. Everyone's loans have been tightened, and the gold wallet is overdue. The monthly operation report of Shangjinfu stopped in June 2020 and has not been released for five months now.
In June this year 165438+ 10, Hu Jun star Weibo fell, and countless netizens ran under his Weibo, demanding that Hu Jun speak out and urging Jiufu to pay back the money. This once ranked first large-scale online lending platform is now in turmoil.
Facts have proved that even high flyers of Peking University can't give P2P a bright future.
Wudaokou, Tsinghua, accused of "stealing pockets"
Compared with the students in Peking University, the students in Tsinghua are doing their own thing, and the school will leave in person to set an example for the students.
Doudou is the product of this concept.
The controlling party of Daodai is Tsinghua University, and its customers are mainly Tsinghua alumni enterprises, doing supply chain finance.
CEO Luo Chuan was a student of Tsinghua University EMBA. He studied technology before he went into finance. 1994 After graduating from the Department of Civil Engineering of Tsinghua University, he joined Microsoft. After jumping from civil engineering to computer, I later switched to internet finance.
Daodou may be named after Tsinghua Wudaokou Finance College, but "Daodou" means "put it in your pocket". From the beginning, this name tells you the essence of P2P.
Some victims even directly praised it as "stealing pockets", which is another level of criticism.
In the same year that Wudaokou left his post to do P2P, Zhao Weiping, who studied at Tsinghua University, also set up Yinhu Network.
Zhao Weiping also joined P2P halfway. His first job was not finance, but fireworks. With the explosion of fireworks, Zhao Weiping has just turned his Panda Fireworks into a listed company.
However, in the second year of Yinhu.com, the listed company Panda Fireworks was renamed Panda Financial Control. This year happens to be a year of sharp rise and fall in the stock market. With the east wind of the stock market, the share price of Panda Financial Holdings has been rising.
However, the scenery is as short as fireworks. 20 19 10, Yinhu. com was put on file by the Economic Investigation Detachment of Dongcheng Branch of Beijing Public Security Bureau. At this time, Yinhu.com has been in operation for more than five years, with accumulated loans of 865,438+46 million yuan, overdue payments of 10000, accumulated overdue payments of 378 million yuan and loan balance of 3,373 million yuan. In other words, there are still 3.373 billion yuan to pay back after the mine explosion.
However, the P2P platform in Zhao Weiping is not only Yinhu.com, but also Panda Vault. When Yinhu.com exploded, the loan balance of Panda Vault was as high as 2.2 billion yuan.
Zhao Weiping's financial dream was shattered like fireworks after all.
Together with him, there is also the lazy money network founded by his alumnus Tao.
Yes, in the same year that his alma mater joined P2P, he followed Tsinghua's footsteps and started P2P. Three years later, the cumulative transaction scale of Lazy Finance Network has exceeded 46.9 billion.
The highlight moment didn't last long.
20 19 1 1, Lazy Finance Network was put on file by Beijing Chaoyang Economic Investigation Bureau, and its founder and legal representative Tao was arrested around 20 19/12.
In the south, Chen Ye, who once had an indissoluble bond with Tsinghua, founded PPmoney. As a representative, Chen participated in the forum in Tsinghua to share how financial technology became inclusive finance.
For this goal, PPmoney Sword made a surprise move, and cooperated with OFO to let OFO draw water for him. They will turn the user's deposit into an investment in the platform, which can be raised after registration. But in the end, because OFO's reputation is too smelly, it's gone.
Whether it's the favored one or Tsinghua Peking University, it's all for the benefit.
Some of these P2P platforms have exploded, some founders have been jailed, some platforms are struggling, and some are ready to retire, but there is no feasible statement.
These top smart students in China must be very serious when they study, and they are equally serious when they make money.
It is the most terrible thing for a wise man to harvest carefully.
When smart people do P2P.
Many people have a question. Tsinghua Peking University recruits the largest number of college entrance examination champions and top students in China every year. Where did these students go later?
On September 14, the world's top life scientist historian said at the third annual meeting of the European and American Alumni Association and the China Overseas Students Association that 80% of the top students in the college entrance examination in Tsinghua went to the School of Economics and Management, and even many non-economic students transferred to this college.
"When all the elites in this country want to turn to finance, I think there is a big problem in this country."
At that time, Internet finance was just in its infancy. Many P2P organizations mentioned above were established around 20 14.
The reasons why these students favor finance, economics, management and other majors are also obvious: good employment and high wages.
In particular, the smartest elites in these top universities have made huge profits by using their knowledge of mathematics, physics and even psychology, using advanced technologies such as AI and big data, and trading through programs.
But these smart people "get" the money of the weak who don't have the information advantage from the transaction, which is also a law of the jungle.
They rely on their own information advantages, but they have not made any innovations. What is the difference between this so-called "innovation" that makes little contribution to social progress and gambling?
In the eyes of many people, the P2P bosses of Xueba in Tsinghua Peking University are all bad people who cheat them of their money.
Smart people go bad, and the consequences are beyond the capacity of ordinary people.