This counterattack is gorgeous! /kloc-how did Tang Jun, born after 0/985, do it?
Born at the grassroots level, he has a strong personality.
Compared with many financial talents from commercial families, Tang Jun was not born in a wealthy family. When I was very young, Tang Jun's parents worked in Dongguan, Guangdong all the year round. Tang Jun, a pupil, traveled between Sichuan and Dongguan by train alone during the winter and summer vacations. It can be said that he is a veritable left-behind child.
1 1 years old, as usual, Tang Jun went to Dongguan alone with a train ticket. After getting on the bus, he found that his money had been stolen and he didn't eat a meal. From Sichuan to Guangzhou, for 68 hours, no one offered to help, but he persisted completely by will. This is one of the most unforgettable things for Tang Jun, which can be found in many videos and news.
"Looking back on this experience now, I feel that it is not a bad thing. It has made me stand on my own feet since I was a child, made me understand the rules of this world, and inspired me to keep thinking and constantly improve my living environment. " Although we can't fully understand how unforgettable this incident is to Tang Jun, who is 1 1 years old, Tang Jun's words are worth remembering. Excellent people can always look at everything optimistically!
Perhaps he was born at the grassroots level and trained Tang Jun's strong character. It is also the grassroots background that fully digs his business mind.
In high school, Tang Jun earned tuition and living expenses by selling repeaters on campus. He was admitted to the university, and when he was studying at Beihang Beihai College, he founded the Marketing Association and served as its president. In the name of the Association, he jointly held the "Campus Simulation Stock Contest" with China Industrial and Commercial Bank and Guohai Securities, which initially showed the courage of a leader. In addition, he also served as the campus agent for various businesses of China Unicom. ...
What really makes Tang Jun earn the "first bucket of gold" in life is to be a driving school agent. After many market surveys, he aimed at the market with unlimited potential of "college students learning to drive", selected the largest local private driving school, and discussed cooperation with the driving school owner. In order to convince the boss, Tang Jun suggested that he find 30 candidates within a week. The boss granted him the campus agency at a price lower than the market price of 400 yuan, and the boss agreed with a grain of salt.
After returning to school, Tang Jun, in the name of the marketing association, sent out preferential driving school information to all members, never letting go of any promotion opportunity. He told everyone about the benefits of getting a driver's license as soon as possible, and also paid for renting a car and driving to class. Soon, "students who drive to school" became a hot topic in school, and driving test became a fashionable thing. Students signed up one after another, and Tang Jun successfully won the agency.
Later, Tang Jun extended the driving school agency from our school to neighboring universities, and thousands of students entered the driving school through Tang Jun, with the first bucket of 400,000 yuan. This can be regarded as the real starting point of Tang Jun's entrepreneurial road.
Have a unique vision and join the financial industry.
However, nothing in the world is smooth sailing. No matter how athletic a child is, he will always fall down when he learns to walk. In his junior year in 2008, Tang Jun put all 400,000 yuan into the stock market at 6,000 points, and the result was a mess.
In the last year of his senior year, Tang Jun, who was in the internship stage, came to Dongguan and began to enter the financial industry. Tang Jun's core business is to help enterprises that need financing get loans from banks.
Soon, Tang Jun memorized the loan standards and qualification requirements of Dongguan banks, recommended suitable loan products to financing enterprises, and provided supporting services. He once told others that it was really rote learning! This kind of kung fu makes many people who want to be opportunistic ashamed!
After a while, Tang Jun found that the boss was unwilling to accept small orders below 1 10,000. He thinks there is a big market for small orders. If the boss doesn't do it, he will do it himself. So, after getting the boss's consent, he started a small business with a loan of 30- 1 10,000, and charged a service fee of 5%-8%, which was 3-4 times that of the boss. Because the total amount is small and the demand is strong, it is much more convenient to borrow money than to run a bank by yourself, and the business is very good.
After a period of time, Tang Jun, who has a unique vision, is more and more sure of the huge profit space in the lending market. So, he immediately invited Zhang Lin, a college classmate, to start a business in Dongguan. Soon, the two earned 500 thousand in three months.
On March 20 10, Tang Jun decided to set up his first credit consulting company. The company locates small and micro enterprises, and its business is to help small and micro enterprise owners borrow money from banks, charging a service fee of 1 to 20,000 yuan each time. With a keen business sense and strong execution, Tang Jun's company once again achieved rapid profit, with an average monthly income of more than 400,000 yuan.
The good times didn't last long. With the financial turmoil, most small and medium-sized enterprises in Guangdong are facing the dilemma of rising costs, falling orders and insufficient liquidity. The development of most loan intermediary companies is at a bottleneck. The market environment is not good and the industry threshold is low. The competition in the offline credit information industry is becoming more and more fierce, and the profit margin is constantly being compressed.
The most difficult scene happened at 20 1 1, which is also the most difficult moment since Tang Jun started his business-three old customers unexpectedly broke the capital chain at the same time, and these three debts totaled more than 8 million yuan! Since a lot of money was borrowed from friends, Tang Jun tasted debt collection for the first time. It is said that one night, Tang Jun and Zhang Lin were crying in the hotel and didn't know what to do the next day. Finally, they photographed the Dongguan villa at a low price through the auction market, and then sold it at a high price to make up for the funding gap.
At that time, he had the idea of learning from Shi Yuzhu. Shi Yuzhu has always been his idol, since he was a child. /kloc-When he was 0/5 years old, Tang Jun happened to see Shi Yuzhu's interview program, which mentioned that Shi Yuzhu's Giant Building in Zhuhai "collapsed" with a debt of10.50 billion yuan. However, within two or three years, Shi Yuzhu made a comeback and paid off all its debts. Since then, "like Shi Yuzhu" has become Tang Jun's pursuit. Tang Jun has mentioned many times that when writing a composition in primary school, no matter what the topic is, he always digs deep into the story of General Shi and gets high marks every time. Visible Shi Yuzhu's great influence on him.
According to network information, Tang Jun, who was in deep trouble, went to Shanghai alone and came to the office address of Shi Yuzhu Giant Network in Shanghai. He was surprised to find that the internet company was in an obscure office building! Tang Jun thinks that Shi Yuzhu has created a market value of billions with dozens of computers, which is amazing! In fact, this belonged to his ignorance at that time, but it was this ignorance and fearlessness that made him see the magic of the Internet! I began to think about how to combine my advantages with the Internet. In a short time, the group loan network was established!
Amazing courage shocked the business community for three hours.
After returning to Dongguan, Tang Jun set out to find someone to do the website. Soon, P2P platform emerged in peer-to-peer lending. On June 20 12, the online group loan network which was successfully tested by internal testing was officially launched. Its novel, efficient and convenient loan model is sought after by customers. Within half a year, the number of website users reached tens of thousands, and the transaction volume exceeded 10 million yuan.
On one occasion, Tang Jun recommended a group loan online loan project to a lawyer friend. Unexpectedly, friends not only don't buy, but also call a spade a spade: "Internet finance has been swimming in the gray area." This made him very worried. Internet finance is still in the blank of national policy. How far can this model go? Tang Jun always wanted to start a career, benefit the society and become a person like Shi Yuzhu, but he didn't want to commit a crime. At this time, he once again thought of Shi Yuzhu, who had put most of his energy into financial business at that time, and was eager to get an answer from him.
At this time, yomi.com held a "celebrity time auction" in Shanghai, and Shi Yuzhu spent three hours "chatting". The highest bidder will have a chance to spend three hours with Shi Yuzhu. Tang Jun realized that the auction was the only way for him to meet Shi Yuzhu, so he couldn't wait to sign up for the event.
At that time, at the charity meeting of Wedding, Tang Jun was still a "nobody", but among many competitors, he finally got the qualification to talk with Shi Yuzhu at a price of 210.3 million yuan, which was equivalent to 20% of all Tang Jun's wealth at that time!
Speaking of the encounter with the giants of history, there is another interesting story. Tang Jun prepared a set of gold tableware in advance and handed it to Shi Yuzhu at the meeting. "History, this is the gold tableware for you. Chopsticks represent health care products business, spoons represent giant networks, and bowls symbolize financial business. Whether it is a dish with chopsticks or a soup with a spoon, it will eventually be remitted to the financial bowl. " Tang Jun's words amused Shi Yuzhu: "Your boy is quite thorough in my business research."
"Do you think this peer-to-peer lending model is appropriate?" When Tang Jun told his idol about his worries, his heart was full of anxiety.
"No problem, there is nothing shameful about playing ball!" Shi Yuzhu looked at Tang Jun appreciatively: "Many business tycoons have done similar things, and Taobao was gray from the beginning."
With the deepening of their communication, Shi Yuzhu was surprised to find that Tang Jun was too much like himself when he was young: he never gave up all his fortune when he saw the right opportunity, he could think calmly in times of crisis, and his business development did not follow the routine ... He appreciated Tang Jun more and more, and he taught him more and more his past experience.
In addition, Shi Yuzhu introduced Tang Jun to many powerful figures in business circles, such as Dong Wenbiao, then chairman of Minsheng Bank, and Jiang Nanchun, founder of Focus Media. According to public information, the important shareholders of the group loan network include Shi Yuzhu, Shen and other business leaders, as well as well-known investment institutions such as Jiuding Investment, Giant Investment and Jiuyi Investment.
With the appreciation and recommendation of Shi Yuzhu, Tang Jun and his own group loan network became famous at one fell swoop. At this time, it happened that the group loan network began to operate the first round of financing business. 20 1 1 Yuan Dibao, a wealthy Shanghai businessman, was filmed in Shi Yuzhu for three hours. After contacting Tang Jun, he inspected the group loan network and quickly invested 20 million yuan in Tang Jun. This investment alone far exceeded the "meal money" of 2130,000 yuan spent by Tang Junhua.
For three hours, Tang Jun shocked the whole business community.
Grassroots counterattack, building 10 billion cities in four years.
By the end of March 20 16, 10, the cumulative turnover of the group loan network had exceeded1550,000, with more than 2.38 million registered users and more than 100 molecular institutions and outlets nationwide! The operation index of group loan network ranks among the best in all major platforms in China.
Undeniably, the development of group loan network has deeply branded Tang Jun, a post-80s business leader.
Tang Jun, a former left-behind child, has a keen business sense, broad horizons, superb IQ, EQ, strong endurance and courage ... These qualities that a successful entrepreneur must possess make him "eager" to embark on a successful entrepreneurial road from the moment he left school.
But Tang Jun himself said that he was a "particularly grassroots generation".
On March 9th, Tuandai.com changed its business entity and became a wholly-owned subsidiary of Guangyingxia (83 1 138), a company listed on the New Third Board. I believe that Tang Jun will have a more wonderful story under his new identity!