Hongling Fortune Telling _ Shaling Fortune Telling

Zhang Kaiyong's inspirational story of Zhongke Zhi's entrepreneurship

Zhang Kaiyong's inspirational story of Zhongke Zhi's entrepreneurship

Known as the first person of China folk guarantee, was blocked? Promise, godfather , Zhang Kaiyong? Into the business? There is a story.

I have a very important point: tangible assets can only create limited profits, while intangible assets may create unlimited profits. What really determines the success or failure of an enterprise is intangible assets and the entrepreneur's head.

Zhang Kaiyong is in Han? On assets?

After the reform and opening-up, the first generation MBA started from Hainan real estate nuggets in the 1980s, entered the private guarantee field in the 1990s, and became China within a few years. Promise, godfather After the crisis, the Jedi was reborn. Under the tide of the Internet, it once again raised the flag to open up the blue ocean of Internet finance in China. Zhang Kaiyong's unique dialectics inspired him to forge ahead in the face of adversity in life.

On August 15, Zhang Kaiyong, chairman of Zhongke Zhi Venture Capital Group, attended the summit forum held in Korea, and he was still full of pride. Our generation, which has caught the last bus of planned economy and the first bus of market economy, is destined to be a generation connecting the past with the future. ?

The first pot of venture capital: from 654.38+0 million to 60 million.

August in Wuhan is extremely cool.

53-year-old Zhang Kaiyong, 15, attended? Internet finance and guarantee, small loan hand-in-hand trip? At the summit forum, Hunan has a strong accent and speaks confidently and decisively. Speaking of the future financial trend, there is indeed a passion for the old man to talk about juvenile madness. On this day, Zhang Kaiyong announced that he had created? Network-wide finance? This model will be popularized throughout the country.

During the break, the participants talked privately that Zhang Kaiyong was the first generation of businessmen who enjoyed the great opportunity of reform and opening up. What many people don't know is that Zhang Kaiyong was originally named Zhang Qiliang. Hey? After starting a business, he asked someone to tell his fortune.

Zhang Kaiyong was born in 196 1, and his ancestral home is Xiangtan, Hunan. Zhang Kaiyong, 2 1, majoring in metal materials in Central South Institute of Mining and Metallurgy (now Central South University), was assigned to Harbin Dongbei Light Alloy Factory.

65438-0984, Zhang Kaiyong returned to his alma mater from Harbin to study for a master's degree. Three years later, he became the first batch in China? Zhang Kaixiao, one of the MBA students, talked about this past.

Zhang Kaiyong, who just graduated, was sent to Hainan by China Nonferrous Metals Company, which coincided with the upsurge of hordes going to Nantah.

1988, at the age of 27, he borrowed10 million RMB from scratch and started his first business.

As for the details of this experience, according to the internal statement of Zhongke Zhi Group, Zhang Kaiyong only mentioned it at an executive training meeting in 2007. After three games, this 6.5438+0 million became 60 million, thus digging the first bucket of gold for future entrepreneurship.

Since then, Zhang Kaiyong often mentioned that he made his fortune by developing real estate, but his move from Hainan to Changsha and Chongqing was not as smooth as the first time.

Lost inspiration: lost 9 million to discover the new continent.

I started from real estate, but I didn't turn to real estate as a guarantee. Zhang Kaiyong said? If I do real estate, it is difficult to be in the top ten in China, even in Shenzhen. If I can't get into the top ten, why not do it? . It is this belief that drives Zhang Kaiyong to seek new profit margins on the edge of many traditional industries.

Known as the first person of China folk guarantee, was blocked? Promise, godfather , Zhang Kaiyong? Into the business? There is a story.

1998, Zhang Kaiyong? Zhongke zhi group? Mutual guarantee of 9 million yuan bank loan with a window enterprise of China Aerospace Industry Group Corporation in Shenzhen. As a result, the other party failed to fulfill its repayment obligations. In order to protect his reputation, Zhang Kaiyong decided to repay the loan for the other party. ? At that time, private enterprises often bribed the bosses of state-owned enterprises to let state-owned assets pay debts for private enterprises, but it was rare for private enterprises to pay debts for state-owned enterprises. ? Zhang Kaiyong recalled.

After losing 9 million yuan, Zhang Kaiyong discovered business opportunities.

19965438+In February, Shenzhen Zhongke Zhi Guarantee Service Co., Ltd., the first private credit guarantee institution in South China to provide credit guarantee for SME financing, was established. This was established by Zhang Kaiyong, his partner Gong Dongsheng and five other shareholders with a joint investment of 50 million yuan. ? Zhongke zhi guarantee? The target customers are small and medium-sized enterprises that need to borrow money from banks. But where is the market? Where is the credit? Kezhi group. Paying off debts for state-owned enterprises has won a certain reputation in the banking sector, but it is far from enough. ? Everything is difficult at the beginning? When the reporter asked about the establishment of the company, Zhang Kaiyong was still deeply touched.

At that time, an electronics subsidiary in Shenzhen found Zhongke Zhi and hoped that they would guarantee a loan of 5 million yuan. ? But the bank denied it. Why can a private guarantee enterprise make people believe you? In the end, Zhang Kaiyong provided a deposit of 100% before the bank lent money.

After that, I did some business, but nothing happened to Zhongke Zhi, and gradually gained the trust of the bank, and the deposit was gradually reduced from 100% to 80% and 60%. Zhongkezhi's liquidity began to be abundant.

The Crisis of Science and Wisdom: Stay and Rebirth as a Jedi Knight

? Making a commercial guarantee is like begging on the cusp. If you are not careful, you may fall into the abyss? Recalling the past, Zhang Kaiyong admitted it himself? Nervous every day? Four years, built by Zhang Kaiyong. Zhongke zhi guarantee? He became a big shot in China's private guarantee industry.

Shocked China's capital market? Zhongke Zhi Zhi Crisis? A few years before the outbreak, Zhang Kaiyong had a splendid life, and Zhongke Zhi was regarded as a service platform for SMEs by foreign private equity investment. Excellent project? . In 2008, the foreign shareholders of Zhongke Zhi pointed out that the Chinese shareholders, represented by Zhang Kaiyong, misappropriated a large sum of money and forced them to inform Zhongke Zhi Guarantee Group about their property status.

Today, people analyze the outbreak of this crisis, and the deep-seated reasons are the spread of the global financial tsunami, the mismatch between interest rates and risks in the guarantee industry and many other factors. Zhang Kaiyong said frankly in Korea. After Zhongke Zhi gave the money to the customer, the customer returned it to the bank, but the bank no longer renewed the loan to the customer, and the customer had no money to return it to Zhongke Zhi, and the risk occurred. Zhongke Zhi Zhi Crisis? Almost pushed Zhang Kaiyong's guarantee empire, which had been painstakingly managed for many years, to the brink of collapse. But to the surprise of many people, there is a suit? Financial skills? Zhang Kaiyong didn't shell the golden cicada, but stayed, solved the problem and saved the day.

On March 29th, 2009, under the arrangement of Shenzhen Municipal Government and Shenzhen General Chamber of Commerce, Zhongke Zhihui and 1 1 fund reached 1 billion USD? Debt to equity swap? The agreement announced that Zhongke Zhi had reached a settlement with a number of foreign shareholders, including Carlyle Group. The turmoil once caused serious setbacks to the overall business of Zhongke Zhi. However, when Zhang Kaiyong, who had rallied, appeared in public again, he still showed optimism, he said? The worst is over? .

In that year, Zhang Kaiyong boarded? Hurun Financial Rich List? The total wealth is 2.2 billion yuan.

Entering P2P Industry: Old People Talk about Juvenile Madness

Engaged in the financial industry for nearly 20 years, Zhongke Zhi also holds financial companies such as Zhonglande Guarantee and Sanhe Venture Workshop. Today, it is estimated that Zhang Kaiyong's actual net worth has exceeded10 billion.

But the veteran didn't stop, and he had a new battlefield. Now, Zhang Kaiyong has transferred his business to the online P2P platform. ? In fact, at my present age, I am no longer suitable for the internet, but I am talking about juvenile madness. ? On June 5438+05, Zhang Kaiyong teased himself when talking about the previous lives of the Han Dynasty. He also believes that the low-key start-up of co-production is inconsistent with Internet thinking.

It is not impulsive for Zhang Kaiyong to switch to P2P.

20 12 scandal exposed in the guarantee industry where Kezhi is located. The credit line from the banking industry once fell to freezing point, and the living space of the guarantee industry was squeezed, with private guarantee companies bearing the brunt. ? Based on this situation, it is necessary to combine the traditional bank loan guarantee with the online loan guarantee. ? Zhang Kaiyong said.

Zhang Kaiyong, who has worked for nearly 20 years, can be said to be an expert on how to serve small and medium-sized enterprises. 2065438+In June 2002, the co-production online P2P platform was launched.

Not long ago, the online loan home released a set of data. In 20 13, the total online transaction volume of co-productions was 3.225 billion yuan, ranking third in P2P industry in China, surpassing 2.596 billion yuan in lufax and 1.898 billion yuan in Hongling Venture Capital. By the end of May 20 14, the cumulative turnover of Co-production Online exceeded 6 billion yuan in two years, ranking second in the whole network.

Zhang Kaiyong said in an interview with reporters:? Co-production online is an industrial finance model, which provides supporting services for the industrial finance of small and medium-sized enterprises, which means that the scale of a single loan is larger and the transaction volume accumulates faster. ?

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