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On June 9, 2012, "stock god" Buffett's 13th lunch auction fell into the hammer, and finally sold for $3.4567 million, another record high.
Lunch with the "stock god" Buffett is a thing that countless entrepreneurs yearn for, not only to listen to the teachings of the "stock god" in person, but also to make a name for themselves in the world.
But this price is still too high for Chinese entrepreneurs, except for a few young people who are eager to become famous, most of them are cold-eyed.
At that time, in Dongguan, China, a 25-year-old young man founded the "group loan network".
The so-called "group loan network" is to combine credit and online group buying, and carry out collective microloans through the network, which is an upgraded version of P2P network.
Tang Jun started out as a microfinance business, and he knows this business well.
He also knows in his heart that the online loan model is the same as the nature of P2P, and many places are not only non-compliant, but also have high operating costs.
If online loan platforms want to survive, they must find ways to increase their influence, expand their customer base, and reduce customer acquisition costs and operating expenses.
Tang Jun did make some money at the beginning, but immediately due to the financial storm, all the money he earned was vomited, and he owed millions of debts, so he had to throw out all the real estate projects he had bought at a low price before and barely repaid the debts.
Online loans are not original to Tang Jun, and many P2P companies have long been eyeing the Internet, and the competition with each other is fierce.
At that time, Tang Jun was full of thoughts on how to let the group loan network out of the siege as soon as possible, but there was no way.
At this time, some people in China think that having a meal with the "stock god" can make fame and fortune, which is a very good marketing means and is very exciting.
In December of the same year, Wang Lifen of Youmi.com and Shi Yuzhu hit it off, imitating "Buffett's lunch" and auctioning "Shi Yuzhu for three hours" online.
Shi Yuzhu, a self-proclaimed "idler", has just been listed as one of Fortune's "China's 50 Most Influential Business Leaders", ranking 22nd, and is preparing to resign as CEO of Giant Network and become an "entrepreneurial mentor".
Tang Jun was very excited, Shi Yuzhu was his idol, he always wanted to visit, but he was always worried that people would ignore him.
In the end, Tang Jun photographed this expensive "three hours" for 2.13 million yuan.
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The sky-high auction money was donated by Tang Jun to related charities, and Shi Yuzhu said: "After being sold, I helped count the money, which is very crooked." ”
Tang Jun's meeting gift made Shi Yuzhu "cool and crooked", because the other party presented a set of golden tableware, of which "chopsticks represent the health care products business, spoons represent the giant network, and the bowl means financial business." Whether it is a dish with chopsticks or a soup with a spoon, it must eventually be collected into the financial bowl. ”
The sky-high auction, combined with the golden tableware, coupled with Tang Jun's fancy praise, Shi Yuzhu is very useful, and feels that the children can be taught.
Tang Jun sincerely asked the idol for advice, can the group loan network project that wipes the side ball continue?
Shi Yuzhu was well aware of Tang Jun's worries and comforted him with Ma Yun's example: "Don't be afraid, Taobao was also gray at first. ”
Shi Yuzhu, who was moved, had one idea at that time: this child could not be allowed to spend his money in vain.
During the conversation, Shi Yuzhu introduced Dong Wenbiao, chairman of Minsheng Bank, to Tang Jun, saying that with him as the introducer, Minsheng would "enter small stocks" on the group loan network at that time.
Because of this carefully planned meeting, Tang Jun gained the coveted attention and the support of Shi Yuzhu and the resources behind him.
Not long after the meeting, Yuan Dibao, a Shanghai tycoon who had photographed Shi Yuzhu for three hours the previous year, invested 20 million yuan in Tang Jun's company under Shi Yuzhu's introduction.
With this investment alone, Tang Jun's previous millions of investments were all earned.
This matter made many people wonder, where is such a shrewd and courageous young man?
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In 1987, Tang Jun was born in a peasant family in Dashu Town, Daxian County, Sichuan.
Because his parents have been working in Dongguan for many years, Tang Jun stayed in his hometown to study.
Fortunately for other left-behind children, his parents did not completely let him go, but often took him to Dongguan for small gatherings.
Since elementary school, Tang Jun has been running back and forth between his hometown and Dongguan, accustomed to it.
Sometimes his parents did not have time to send him, so at a young age, he took the train alone for dozens of hours, all the way back to his hometown.
After a long time, Tang Jun had little interest in learning, and dropped out of school in the fourth grade of primary school to work with his parents.
Tang Jun's parents are engaged in waste recycling, and the work is hard and tiring, and he finally realizes that the hardships of part-time work are not something he can bear.
Determined to get ahead, he did not hesitate to turn around and go back to his hometown to resume school.
Having seen the lights of the city and experienced the hardships and hardships of his parents' part-time work, Tang Jun finally had a different motivation for learning, and his grades generally rose sharply.
In the second year of junior high school, he accidentally saw the story of Shi Yuzhu's entrepreneurship with ups and downs, and he admired him in his heart and regarded him as a life idol.
Even as long as he writes articles, he can always relate to Shi Yuzhu's entrepreneurial story, which shows how much influence the latter has on him.
In 2006, 19-year-old Tang Jun was successfully admitted to Beihai College of Beijing University of Aeronautics and Astronautics.
However, Tang Jun, who has been tempered by society, is not the kind of child who can only die reading.
When he was in middle school, he earned tens of thousands of yuan by pouring the hot repeater at that time, and won the "first pot of gold" in his life.
After going to college, Tang Jun did not stop, worked as a part-time job on various campuses, and resold all the materials needed by college students. He is not amazing-looking, but he is eloquent, and he can talk eloquently with anyone.
What really made Tang Jun realize that being a boss is more profitable than working is his self-directed and self-acted "driving school agency" business.
Although college students are ignorant, they are full of hope for the future, and they all make getting a driver's license their goal before graduation.
Tang Jun looked at this market, quietly took out his driver's license first, and then discussed with the owner of the driving school to be his campus agent.
The opportunity to deliver to the door, the boss is naturally very happy, and agrees to cooperate at a price lower than the market price of 400 yuan.
Tang Jun is indeed very skillful, he rented a high-end car to shuttle through the campus every day, which attracted envy.
As long as he saw familiar classmates, he took the initiative to invite them to take a ride in the car.
The scenery outside the car window flashed, and Tang Jun in the car lost no time in persuading: "If you want to struggle, you must buy a car, and the pace of pursuing your dreams will speed up with a car!" ”
Buying a car naturally has to learn a car first, and after Tang Jun parked, there was another applicant on the driving school registration form in his hand.
With more and more people signing up, from this school to other schools, Tang Jun couldn't keep busy alone, so he invited classmates to help, and his business spread throughout the campus.
In his sophomore year, by being a driving school agent, Tang Jun earned 400,000 yuan.
At this time, the stock market has exceeded 6,000 points. Experts say that 10,000 points are just around the corner.
Tang Jun was not vague and smashed all the money into the stock market.
His goal is clear: money makes money, and only then does it have the opportunity to make a lot of money.
People always want to get rich overnight, but they don't want to believe that wealth and the abyss are only overnight.
In 2008, the stock market plummeted, and countless professional investors who invested all their net worth to speculate in stocks collapsed along with the broader market.
Tang Jun, who is in his junior year, did not escape the disaster, and all the assets of the stock market turned into nothing.
This year, Shi Yuzhu made a comeback with "brain platinum", and his giant network was successfully listed in the United States, with a market value of 4.2 billion US dollars, and Shi Yuzhu's personal net worth reached 50 billion yuan.
In front of the "giant", the Tang army, who was deeply frustrated, was as humble as an ant.
Falling from the clouds of "campus super-riches", Tang Jun was very depressed, had no intention of studying again, and was encouraged to come to Dongguan to work as a salesman for a microfinance company.
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A few months after coming to Dongguan, Tang Jun quickly earned more than 100,000 yuan by doing microfinance business.
Although microfinance is inconspicuous, it can be better than lending quickly, and many enterprises can get loans within three days. This is a rare "timely rain" for factories and enterprises in urgent need of capital turnover, and the market demand is extremely high.
Tang Jun realized that he had hit the wind, so he called his friend Zhang Lin, and the content was one: A lot of money, stupid people, come quickly!
Zhang Lin is a classmate of Tang Jun University and his partner when he was a driving school agent. For each person introduced to learn to drive, Tang Jun took 400 yuan from the driving school and 50 yuan to Zhang Lin.
After Zhang Lin came, the two rented a two-bedroom and one-living room house in Zhongxing Building, Dongguan Tailu, and founded Dongguan Junte Credit Consulting Co., Ltd., which specializes in helping small and micro enterprises obtain loans from banks.
To put it bluntly, Tang Jun's company is a bank loan intermediary, earning a risk-free intermediary fee.
The company had just been established, and Tang Jun and Zhang Lin finally recruited four people, including a beautiful woman.
Just as Tang Jun was "painting a big pie" for everyone, the door was kicked open, and a local boy stepped forward and dragged the beautiful woman out.
The boy said loudly as he walked: "This looks like a scammer who engages in pyramid schemes, where is there an interview at home?" ”
The scene was silent, and after a while, the other three people silently got up and left.
Tang Jun is helpless, but it's right to think about it, there is no house or car, what to attract customers?
So, Tang Jun decided to buy a car first.
It's just that the money earned at that time has been released, and the two of them are destitute.
Tang Jun went to the bank to apply for a credit card with a limit of 60,000 yuan, and then took out a loan of 110,000 yuan to buy a licensed Toyota Vios.
This incident once again shows Tang Jun's bold and desperate style.
Even with a car, Tang Jun could only visit some small bosses in Dongguan, because the big bosses didn't bother to see him at all.
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However, other people's loans have repeatedly failed, and Tang Jun can always succeed immediately, so he has accumulated a lot of customer resources.
Dongguan microcredit market demand is strong, Tang Jun's company achieved a monthly revenue of 400,000 yuan in just three months of opening, and made millions of profits in less than a year.
At this time, the target group of microloans has shifted from enterprises to individuals.
In March 2012, 230 million domestic credit cards were issued, and the cardholders were young people who pursued exquisite life.
In film and television dramas, white-collar workers with an income of 3,000 yuan can be seen everywhere carrying brand bags of tens of thousands of yuan, drinking a glass of Starbucks for 40 yuan a day, and the eyes are full of small bourgeoisie.
The media compared the old Chinese lady with the old lady of the United States, ridiculing the former for not knowing how to consume and living a lonely life.
On TV, the host and the expert sang and harmonized: you can spend money to earn money, and the poor are poor all their lives because they only know how to save money!
This tone is very similar to what Tang Jun said when he persuaded his classmates to learn to drive.
Foreign media sighed that consumerism is on the rise in China, and Chinese young people are daring to consume their own tomorrow.
Stimulated by the consumption boom, group buying websites have sprung up, and information requesting group groups can be seen everywhere on mobile phones.
In June of the same year, inspired by the group buying network, Tang Jun built the group loan network, the business shifted from offline to online, and customer resources were further expanded.
After the official operation of the group loan network, Tang Jun built a lot of QQ groups, which were all the company's customers.
Before doing group loan network, Tang Jun's only Internet background was only to use QQ to chat.
Since the group loan network has just been launched, many customer service customers are not familiar with the business, often scolded by customers, and piggybacked on Tang Jun when scolding.
Only a consultant codenamed "Customer Service 2" has a sweet mouth and professional reply, which is deeply pleased by customers.
But the customer does not know that this "customer service 2" is actually Tang Jun himself.
He is Shi Yuzhu's "true love fan", and when the scholar founded "Brain Platinum" and Giant Games, he always rushed to the front line to understand customer needs.
These stories, Tang Jun confided in the idol during the meeting, making Shi Yuzhu laugh heartily.
As soon as the big guy was happy, chicken feathers flew into the sky.
In addition to introducing investment, Shi Yuzhu also pulled Jiang Nanchun and other capital bigwigs to become Tang Jun's brand consultants, and the group loan network suddenly shone brightly.
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In 2013, Tang Jun appeared on CCTV, with the title "The Five Flavors of Life of Post-85 Financial Talents".
With the endorsement of bigwigs and CCTV, the group loan network quickly stood out from its competitors, and the turnover exceeded 3.1 billion yuan in two years, ranking sixth in the same industry.
In 2014, Tang Jun's group loan network launched the housing baby project, directly crowdfunding to buy a villa, with a minimum threshold of 10 million yuan.
For a time, capital bosses competed for popularity, and shareholders included Feng Lun, Liu Chuanzhi, Ma Yun and other bigwigs.
Tang Jun, who played well, also gained fame and fortune, first becoming the "2014 Chinese Economic Figure" sponsored by the Economic Information Newspaper of Xinhua News Agency, and then being hired by Tsinghua University as a college student entrepreneurship mentor.
A university dropout turned into a special tutor of a famous university, capital really has the magic of turning stones into gold.
In 2015, Tang Jun spent 50 million yuan to acquire the shares of Light and Shadow Hero, and the group loan network successfully landed on the New Third Board through the backdoor.
The weeds in the wilderness are blazing, and people look forward to the thick greenery of the stock market.
In 2016, in order to match his temperament of grassroots entrepreneurship, Tang Jun invited Wang Baoqiang to endorse the group loan network.
Please endorse, mixed circle, Tang Jun playing this set has been perfect.
At the Beijing Aiyou Charity Dinner at the end of the same year, Tang Jun, in front of Ma Huateng, Li Yanhong, Chen Dongsheng and other bigwigs, threw 42 million yuan to shoot Alipay opening advertisements, and at the same time donated 11 million yuan to the Poor Children Relief Foundation.
Overnight, the generous Tang Jun once again impressed the bigwigs.
During the banquet, the guests took a reserved group photo in front of the exhibition panel with wine glasses, and Tang Jun made a victory gesture, and his slightly drunk face was full of smiles.
In January 2017, due to the adjustment of the Internet financial policy of the New Third Board, the group loan network was delisted, and then borrowed the backdoor A-share company Hongte Precision and changed its name to Derivative Technology to list.
At this time, the P2P industry has been in turmoil, and some people have sniffed out that the wind is not right, and have successively withdrawn from the ranks of Tang Jun's shareholders.
But this does not affect Tang Jun to appear on the Forbes China elite list in the same year, Forbes gave him the comment is: self-made, willing to take risks, dare to think and do, is a natural entrepreneur.
29-year-old Tang Jun, life has reached the peak. When he looked down at all beings, his eyes were full of golden light.
In the movie "The Wolf of Wall Street", it is said that the easiest way to make money is to make things that are valuable and that everyone wants. After giving and creating value, the money rolls in.
At that time, the wave of domestic consumption rushed from first-tier cities to third- and fourth-tier cities, pouring into schools from society, and young people's overdraft consumption was fierce.
Their monthly income is generally only a few thousand yuan, but they dare to borrow tens of thousands of yuan to buy a car and buy light luxury shoes and bags, and consume everything they want in debt.
You must take a taxi to commute to work, and cosmetics and sneakers must be imported.
People are frantically buying, buying and buying, completely forgetting that they are overdrawn by tomorrow in the near future.
Huabei came into being, but the amount is limited, and convenient online lending has become the first choice for young people.
Among the online loan platforms, Tang Jun's group loan network is the most favored.
Only five years after its establishment, the group loan network has nearly 6 million registered users, a cumulative transaction volume of more than 70 billion, and a valuation of as high as 10 billion.
In June 2017, GroupLoan.com conducted its fourth round of financing, with a financing amount of up to 1.8 billion yuan.
In August of the same year, Tang Jun founded the environmental protection technology company "Little Yellow Dog", which raised 1.2 billion yuan within one year of its establishment, with a valuation of more than 15 billion yuan.
At the same time, Tang Jun also aligns with the capital bosses, and gradually builds its enterprises into a financial group, involving housing loans, car loans, commercial banks, supply chains and other financial projects.
Tang Jun moved and integrated in the capital market, holding the little yellow dog of environmental protection technology in his left hand and the derivative technology of listed companies in his right hand, with the help of online loan platforms as the capital end, hoping to achieve a counterattack in the A-share market.
It's just that the huge profits brought by capital, like prey that emit the smell of blood on the steppe, have long attracted countless predators.
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In 2017, more than 300 listed companies participated in the Internet microcredit business in various forms, and countless small and medium-sized companies of all kinds.
Because all companies have found that compared with the windfall profits of small loans, the little money earned by their main business is too shabby.
The leeks that grew in the wilderness suddenly appeared with countless shiny sickles above their heads.
The knife is light and Huohuo, and the leeks are not enough to cut.
At that time, a business consulting company in China released a tracking survey: in 2016, there were only 3 small loan individuals with long debt; A year later, the number was 30.
This means that a large number of microfinance people are already in debt.
At the beginning of 2018, the state carried out a special rectification of the Internet finance industry, resulting in Tang Jun's plan to inject the group loan network into derived technology.
The barbaric era belonging to the grassroots is coming to an end, and the clean-eating capital is preparing to leave.
Microfinance companies of all kinds are under pressure, and in order to reduce risks, they can only continue to shorten the loan cycle while charging high interest rates.
When the industry's capital expectations were depleted, the notorious "714 anti-aircraft gun" in microfinance was born.
The so-called "714 anti-aircraft gun" refers to those high-interest online loans with a maturity of 7 days or 14 days, including high "cut interest" and "overdue fees".
At that time, almost 90% of microloans were based on 7-day periods, with an annualized interest rate of more than 1500%.
Because the debt is not paid, all kinds of tragic stories of asking for money and dying are constantly staged.
To put it bluntly, struggling microfinance companies can't wait, and they all hope to get back as soon as possible.
The market devoured by capital eventually became full of holes, swallowed, harvested, bankrupt, and ran away, becoming the main theme of the entire industry.
As the P2P platform continues to thunder, mourning is everywhere.
Tang Jun was still looking forward to the early sunset of the online loan filing, but what he was waiting for was the tragedy of chicken feathers.
Tang Jun, who realized that something was wrong, immediately began to lay out, trying to digest the 20 billion plates of the group loan network little by little, and also seemed to see the light.
In January 2019, 32-year-old Tang Junjun obtained the actual control of the derivative technology of the listed company for 2.5 billion yuan, realizing the dream of a listed company.
Tang Jun's business empire has thus realized the three-legged pattern of group loan network, little yellow dog and derivative technology, and he is also regarded as the last "goalkeeper" of microfinance in the market.
No one expected that just two months later, a piece of news shocked the world.
On March 29, the "Group Loan Network" platform, which involved 220,000 investors, with a total loan of 14.5 billion yuan and a total financing of 130.7 billion yuan, was announced by the Dongguan municipal government to take over, and the trading of Derivative Technology was immediately suspended.
Tang Jun, Zhang Lin, and several other senior executives of the company were taken compulsory measures by the public security organs on suspicion of illegally absorbing public deposits.
On July 30 of the same year, the police recovered and froze Tang Jun's funds involved in the case of as much as 5.638 billion yuan, including 50 real estates, 2 pieces of land, 49 cars, and even 2 private jets.
This year, Shi Yuzhu, who is dressed in white pants and red, still stands in front of the stage with a bright look, promoting his youthful health products.
This year is also the tenth year that Tang Jun dropped out of school and came to Dongguan to start a business.
Grassroots origin, self-made, after ten years of hard work, finally mixed with the "business elite" who can be on an equal footing with Shi Yuzhu and other bigwigs, still back in the dust.
Ten years later, the thunder of P2P and microloans is rolling, and people who are accustomed to overdraft life are caught off guard by waking up from their dreams.
After waking up, there is a price that must be borne by the dream.
The author of this article: Feng Shengjun by the sea, released by the exclusive authorization of Wind Sound Island.
Write celebrities, write gossip, there is evidence; The image is positive and the shadow is oblique, all taken by themselves, welcome to pay attention to @Wanxiaojiaotiao.
Reference content:
The 32-year-old billionaire planted! He had 2.13 million meals and was praised by Forbes as an elite/city boundary
Tang Jun has built a 100-billion-level P2P giant in ten years - group loan network, overnight / Southern financial figures
Group loan network Tang Jun: Even if you are about to go to jail, you must not be afraid, you must not / mutual gold detective
Tang Jun of the group loan network turned himself in and uncovered the 20 billion capital puzzle of the listed company behind it/Mustang Finance
The group loan network exploded the truth, and Tang Jun set up a bureau to cash out 4.9 billion / SAIF stock cloud
200 million profit "give away", the blind way of listing on the group loan network curve / AI Finance and Economics
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