I only have one request, which is that Huinongdai should not forget its mission and original intention. Once the direction and goals are determined, it should be pursued persistently.

I won’t say too much, but I believe you have a deep understanding of how difficult it is to do rural finance.

I am very pleased that Huinongdai has been successful in Shangu County, Ganzhou Province, but it does not mean that this system can be easily copied across the country.

Don’t blindly pursue scale and growth, be more prudent!”

Shen Beipeng's words sounded the alarm for Zhang Yida. Zhang Yida thought that the success of Valley County made him feel a little buoyant, as if he had the national market at his fingertips.

Farmers in Valley County are honest and honest and repay their loans promptly. This does not mean that farmers in every area are that honest. There will be many borrowers who will cheat on their loans or use the borrowed funds to eat, drink and have fun in the future.

Regarding this problem, we can only strengthen the risk control link.

The original intention of Huinongdai was to provide entrepreneurial loans to farmers and lead them out of poverty.

It would be a joke if it was maliciously defrauded by farmers or brought down by an abnormally high overdue rate.

Especially the financial technology and first-class risk control technology that have been promoted will be painfully slapped in the face, and may even pass negative news to Zhang Yida personally and the two major groups, Ruixiang and Yimin.

It sounds ironic that people engaged in high-tech Internet finance were killed by fraudulent loans and overdue loans, but it is not impossible.

No matter how awesome the risk control system is, it is still controlled by people.

If something goes wrong with someone, especially the front-line salesperson, the person responsible for the initial review of the loan incoming documents colludes with the borrower, both internally and externally, it would be scary to think about it.

Zhang Yida decided that in the future, an inspection mechanism must be introduced to all departments of the company, especially the business department and risk control department, to prevent the occurrence of pests.

If you find one, kill one without mercy.

Ruixiang Group is a little better. The borrowers are all selected internally to select high-quality customers to open credit lines.
Chapter completed!