Wang Lu reviewed the three-year development course of Lending Bao: we are United and walk hand in hand.

On August 8, 20 18, Lending Bao celebrated its third birthday since its birth. In a letter to all the staff, Wang Lu, CEO of Lending Bao, said with emotion, "In three years, we have gone all the way to build a truly world-class inclusive finance brand and solve the bottleneck of investment and financing services for individuals and small and medium-sized enterprises. The protracted war has just begun, and there are still many battles to be fought in the future. We must work together and walk hand in hand. "

Don't change your mind at the beginning of three years.

Looking back on the growth history of the past three years, Lending Bao handed over a gratifying report card-a total of 340 billion yuan of matching transactions and nearly 65.438+0.4 billion registered users. The main reason why Lending Bao can achieve satisfactory results is that he always insists on his initial intention, willing to work hard and be stupid.

The core value of lending treasure lies in the lending business of mature people. On the one hand, it is the ultimate weapon to solve the problem of financing difficulty and high cost for small and medium-sized individuals to eliminate information asymmetry by truly possessing huge internal logic and value; On the other hand, mature people have huge network effect and first-Mover advantage. Once completed, there may be only one, and the competition barrier is higher and stronger.

It is not enough to have a business concept. Lending treasure has achieved today's achievements by "giving up any illusion of taking shortcuts, sticking to the original heart, and working hard and being stupid around the user experience". Wang Lu said that in the past three years, Lending Bao has reconstructed its organizational structure and service content with users as the center, so that different users can obtain differentiated services. "For Xiaobai investment users, we strictly assess their appropriateness and protect them by diversifying investment and limiting quotas; For qualified investment users, we provide professional tools to facilitate their investment and daily management; For users with high loan demand, we provide more channels for them to choose from; For offline users who already have creditor's rights and debts, we provide IOUs and IOUs tools for them to register and manage debt relationships; For enterprise users, we help them build employee and supply chain networks and help them improve financing efficiency. "

"I believe that in the future, Lending Bao has the ability to help individuals, small and micro entrepreneurs and small and medium-sized business owners with business practices, obtain high-efficiency and low-cost financial universal services, and create a more self-disciplined business environment and a more harmonious social environment with credit. This is our long-term mission and an exploration to systematically improve the overall welfare of society in a universal and sustainable way. " Wang Lu preached.

The strategic upgrade of "1+N" is necessary and reasonable. Business rules can certainly overcome accidents. However, the inevitability and arduousness of business are often innate. Network construction is not a day's work, but a long process, so we should be prepared for a protracted war. Wang Lu believes that Lending Treasure is not a P2P platform in the traditional sense, but a comprehensive financial technology group. In the future, Lending Bao hopes to turn China's largest self-made investment and financing service platform for individuals and enterprises into China's largest retail financial entrance. Therefore, for a long time to come, the strategy of "1+N" will become the focus of lending treasure.

It is reported that the so-called "1+N strategy" refers to a general platform plus n sub-services and sub-functions, that is, Lending Bao APP as a general platform is "1"; Mature people borrow a series of subdivided products and services, such as P2P, one-to-one loan (IOU) and debt registration (IOU), mature purchase link (merchants selling on credit), Jiuyun small loan, enterprise edition, supply chain finance, certificate of deposit and post-loan management, third-party payment, anti-fraud based on face recognition, credit model, cloud computing and so on. , all "n". Relying on Lending Bao's flexible business transaction system, business teams can try business strategies in a more agile way, explore various scenarios, serve different users and tap more growth points; Thanks to the unified big account identity system, no matter what entrance and scene users take, they can enter the lending treasure system as a unique identity, enjoy all N services, and store their transactions and relationship chains on a common platform.

Under the strategy of "1+N", Lending Bao reconstructed the product design, emphasizing instrumentalization and platformization. By exporting increasingly rich data assets, stable technical infrastructure and perfect post-loan service capabilities to various ecological roles, * * * has built ecological prosperity.

Looking back on the road, Lending Bao adhered to the differentiated strategy of mature people borrowing, adhered to the initial intention and constantly upgraded strategy, and achieved rapid development in three years. Wang Lu firmly believes that "long-term strategy, innovation and execution will definitely reshape the industry structure, and any problem that helps to improve social efficiency can be solved in some way, and the law will definitely overcome the accident, so there is no" impossibility "of slapping the head. The key is whether you have a heart willing to do everything possible to solve the problem. The protracted war has just begun, and there are still a series of severe battles to be fought together in the future. Everyone is United and walks hand in hand. "

Compliance is the foundation of settling down.

Since the Interim Measures for the Management of Business Activities of Information Intermediaries in Peer-to-Peer Lending came into effect on August 24, 20 16, the online lending industry has officially entered the knockout stage. "Sticking to the positioning of information intermediaries and actively embracing supervision are the foundation for borrowing money to settle down." Wang Lu said: 20 17 is the first year of supervision of the online loan industry, and the whole industry has been under the strictest supervision in history, so Lending Bao has also completed a comprehensive compliance reform.

Since its birth, Lending Bao is different from the traditional P2P credit intermediary. Lending treasure always adheres to the positioning of information intermediary. The users on the platform are all acquaintances or friends, and they judge each other's credit by themselves and bear their own risks. Funds flow one-to-one on the platform, and the lender's funds are directly transferred to the borrower's account. The platform does not set up a fund pool, so there is no possibility of misappropriating funds. At the same time, the platform does not issue loans, does not provide credit enhancement, and takes the lead in breaking rigid redemption.

At the same time, from 2065438 to July 2008, Lending Bao was officially launched into the bank depository system. The self-owned funds of Lending Treasure Platform are completely isolated from the funds of both borrowers and lenders, and the platform cannot touch the funds, further deepening the positioning of Lending Treasure Information Intermediary. At the same time, the funds traded by users on the platform will be supervised by banks in the whole process, which effectively avoids the possibility of misappropriation of funds and provides users with comprehensive financial security.

Wang Lu emphasized that in the future, Lending Bao will continue to take compliance development as the foundation, take users as the center, constantly improve the service experience, practice the inclusive finance, and promote the sunshine and standardization of private lending. Which loan platforms have low interest rates and high quotas? Pay attention to the official account of WeChat WeChat "Kangbo Finance" (ID: youqianlab) and reply to "Loan" to get it.