The result before Series A financing was 89.98 million in transaction volume on the 10th day after launch.

Now that it has been online for one month, the transaction volume has reached 500 million.

Although most of the bids are still in January and March, the company's capital flow has been increasing positively.

Therefore, after setting aside 100 million funds as user cash withdrawal funds, the remaining 400 million were used as cooperative lending funds and sent to more than a dozen cooperative small loan companies.

The user funds due next month are estimated to be 350 million, and the conversion rate is estimated to be half. Half of the users, which is 175 million, will not withdraw and will choose to continue investing again, so Yimin Wealth does not need to worry about this part of the funds.

But if you choose to withdraw the other half of 175 million, you will need to use the 100 million unloaned funds. The remaining 75 million will depend on users who recharge next month to pay the previous batch of withdrawals.

This kind of behavior is actually like walking a tightrope. If you accidentally break the capital chain, it will be terrible.

But generally, it's okay. Professional finance staff have done accurate calculations of capital inflows and outflows, and sufficient reserves will be kept at any time based on the actual situation.

Don’t keep too much reserve fund. Leaving too much will result in too little loan funds and reduced income. For the enterprise, the benefits will not be maximized.

If you leave too little, the user will not be able to cash out enough to redeem it, which will lead to a thunderstorm with fatal consequences.

In the early stage, the platform did not have enough data support and was trying to cross the river by feeling the stones. It would rather keep more reserves than lend more.

After the platform develops for a period of time, it will have a grasp of the rules and data for the monthly inflow and outflow of funds, and then establish a mathematical model. Basically, it can take into account the balance between reserve funds and loan funds. Interests can also be

Maximize it.

Because he still has about 150 million in venture capital, Zhang Yida dared to let them lend out 400 million in the first month, leaving only 100 million in reserve.

250 million is not enough, unless all the 350 million due next month are withdrawn.
Chapter completed!