Although it was expected, Hao Yun didn''t expect to come so fast.


    Just two weeks after he sold his stake in modern bike to sea lion group, the financial sector was once again in turmoil because of a sudden news.


    That is the sudden thunder of UFO bicycle!


    To be exact, it is not UFO''s bicycle business, but UFO''s credit loan business.


    This bike sharing start-up company, born in Yanjing, was very lucky to catch up with the upsurge of bike sharing. Relying on the background of Yanjing University, it got 30 million yuan in the first round of financing.


    With the financing of 30 million yuan, UFO bike quickly began its life counter attack. In just one month, the start-up company occupied 50% of Yanjing''s market share and expanded its business to other second tier cities such as Jinmen.


    If that''s all, it won''t be a big problem.


    However, if it wants to take market share from the hands of modern bicycles, it must take a more radical decision on the use strategy of deposit.


    For example, docking private lending business.


    In fact, UFO bikes are not the only ones.


    The vast majority of small and medium-sized bike sharing enterprises, such as Youtian bicycle, are trying their best to improve the return on assets of stock deposits, so as to attract more investors into the market and push the snowball forward for them.


    However, with so many funds crowding into the high-risk small and micro loans, it is only a matter of time before something goes wrong.


    Unfortunately, this big thunder detonated on the UFO.


    As the cooperative lenders who provide "financial services" run wild, more than three billion deposits face the risk of bad debts, which directly puts the booming UFO bicycle business into the risk of capital chain breaking.


    If that''s all, it''s all.


    Bite your teeth, go ahead with the data, and bring in more successors to fill the hole. If you''re not sure, you''ll make up for the 3 billion hole. After all, under the catalysis of Yunmeng group''s wealth myth, the interest of all kinds of capital in bike sharing has reached an almost fanatical level, and they have come up with two or even three times the premium rate. They don''t care about any risk at all.


    However, the problem is that a report published in the financial times has poked out the problem of UFO deposit.


    Some people say that it was done by a competitor. Others say that an investor who participated in the roadshow, in order to get in at a better price, bribed the negative news of UFO reported by the financial times to suppress the valuation and cooperate with the management.


    But it doesn''t matter who did it now.


    This hammer smashed down and directly overturned the UFO boat.


    Panic first spread in the financial sector, and then with the reprint of comments by major media, the news was finally delivered to UFO users.


    The users were immediately flustered.


    Although it''s only a few hundred yuan, it''s also money!


    At the beginning, it was agreed that as long as you pay a high deposit, you can ride a bike for free. However, I didn''t expect that people didn''t intend to make money by cycling at all. Instead, they decided on the principal paid by the small drinkers and vegetables.


    What''s so special about this?


    For a moment, the application for refund of deposit is like a snowflake floating to the field of bike sharing.


    Not only UFO is facing the stampede of users, but also other bicycle sharing enterprises in good condition are complaining in this round of stampede.


    After all, there are two of them. Everyone is worried that something similar will happen to them.


    And then there is the supplier''s concern. Now bike sharing enterprises go to the factory to place orders, which not only increases the proportion of deposit from 10% to 30%, but also no one is willing to compromise on the time to settle the balance.


    On the one hand, Haishi group has just injected capital; on the other hand, the cash flow on the book is sufficient due to the capital transfer.


    However, it is undeniable that the business of modern bicycle is still impacted by this incident. In particular, the UFO thunderstorm has attracted the attention of the CBRC. It is said that relevant laws and regulations will soon be issued to regulate the use of deposits in the bike sharing industry.


    This bad news has directly reduced the valuation of major bike sharing enterprises by 50%.


    After all, everyone knows that the business of short-term bicycle rental is not worth money. What is worth money is the huge cash flow generated by travel demand. If the CBRC issued a regulation requiring bike sharing people to deposit the deposit into the regulatory account and strictly limit the scope of its use


    Those who pay more deposit free car routines can be directly finished!


    The office building where the modern bike is located.


    Zhang Tao is very busy these days.


    It''s not only because of the company''s relocation and business connection with wechat, but also because the mess caused by UFO has seriously affected the operation of modern bicycles.


    Yesterday, the leaders of the CBRC called him and asked him to submit a detailed financial statement, listing the purpose of each deposit.


    It''s a good thing to say that, after all, the business connection between modern bike and wechat has not started, and the funds withdrawn from Jiangan capital are now lying in the bank account.


    He is only lucky that the time for Haishi group to become a shareholder is really right. If it''s a few days late, I''m afraid that the amount of financing will be reduced by half.


    What makes him even more fortunate is that he sold 5% of his shares to yo Tien Ma before, and he cashed out 140 million yuan. If it is now, let alone 140 million, or even 14 million, others will have to consider whether to take over the offer.


    Thinking about what happened these days, Ma Youtian''s heart can not help but sigh.


    Looking back, I''m afraid the biggest winner of this storm is Yunmeng group. Seven hundred million precision sets are now on the top of the mountain. I''m afraid all the people who ridiculed their loss will not be able to laugh now.


    Especially the sea lion group.


    Although it''s not very good to say that, every time Zhang Tao receives a call from the other party these days, he feels that the tone of the other party seems to be about to cry.


    Just after processing the materials needed by the CBRC, Zhang Tao was going to have a rest when his mobile phone on the desk rang again.


    Seeing the caller''s name, he hesitated and finally picked up the phone and pressed the connect button.


    Before I could say hello, an urgent voice came over the phone.


    "How much longer do you have to go public?"


    Zhang Tao


    This special thing has not been listed yet, and has begun to plan to reduce its holdings?


    "What''s the matter with you?"


    "I''m in a hurry to spend money..."


    The voice on the other end of the phone was hoarse, just like sandpaper rubbing against the wall. Zhang Tao could probably imagine what kind of expression Mr. Ma had on his face at the moment.


    If he remembers correctly, the main profit of the company comes from its small and micro loan business. Now UFO bike suddenly thundered, and there was a stampede and run on the major bike sharing platforms.


    Just listening to this voice, he can imagine how desperate Ma Youtian is at the moment.


    But understanding is understanding. It''s impossible for him to help. Not to say that they are competitors, even if there is no relationship with competitors, this hole can not be filled by him.


    "... I advise you to think of another way, not to mention that the IPO of the whole bike sharing industry has been blocked. Even if Haishi group has a way to help us overtake and go public, you have to go through the lock-in period to reduce your holding in the secondary market."


    In Xiaguo, the lock-in period usually starts in 24 months, which is more specific to different industries and plates. The lock-in period may be extended depending on the specific situation.


    The other end of the phone was silent for a long time, and there was a sigh.


    "... are you interested in the bike sharing platform with the second largest number of users in xiazhong?"


    Zhang Tao''s eyebrows twitched violently and said with a smile on his face.


    "What do you think?"


    Knowing that it''s useless to say more, Ma hung up in silence.


    Zhang Tao, sitting at his desk, shook his head and threw his mobile phone on the table.


    He didn''t sympathize with his friend''s business. He only remembered a long time ago when he heard a saying that the money earned by luck in this business will be lost by ability sooner or later.


    There was no schadenfreude in his heart.


    After all, no one knows whether similar things will happen to themselves one day in the future.


    No matter when the risk should be well controlled, Zhang Tao suddenly felt lucky that he had learned this lesson from others