on may 31th, Dian Rong and school of economics and management, Antai, Shanghai Jiao Tong University * * * jointly held the "Special Sharing Meeting of Dian Rong Cafe and Jiao Tong University Student Fintech". Guo Yuhang, founder and co-CEO of Dianrong, Kong Lingxin, chief technology officer of Dianrong, and Feng Ruibin, chief risk control officer of Dianrong, discussed the development prospect of financial technology with their classmates.

Elite men on Wall Street will be replaced by technical men wearing T-shirts

Guo Yuhang, founder and co-CEO of Dianrong, first introduced his own entrepreneurial experience and told everyone how to make his own career plan.

Guo Yuhang said that Dianrong didn't have a tall office when he started his business, but only he and his partner. It took him half a year to get online after many difficulties, and this company was hatched. Generally speaking, joining a startup company may not be as glamorous as joining a traditional financial institution, but it is very challenging, which will bring more opportunities and enable people to engage in the latest and cutting-edge industries, so it is a wiser choice than joining a bank.

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Guo Yuhang, founder and co-CEO of Dianrong

When it comes to the future trend of finance, Guo Yuhang said that in the future, technical men wearing T-shirts will replace the financial elite men with straight suits on Wall Street. In the past, technology was just a tool to help financial institutions make money faster. This round of financial innovation represented by P2P and crowdfunding has served 81% of people who are not covered by banks from the bottom, making this round of financial technology development truly meet the needs of customers, and it is no longer just a tool. Finally, Guo Yuhang said that he hopes that the mutual gold industry he is currently engaged in will not only bring rich material returns to everyone, but also use technology to change finance and make finance make everyone's life better.

Elite men on Wall Street will be replaced by technical men wearing T-shirts

Feng Ruibin, the chief risk control officer of Dianrong, made everyone feel that financial technology can make more people enjoy financial services. He said that 81% of people now have no access to financial services, and 2 billion people have no bank accounts. The power of financial technology can enable these 81% people to enjoy inclusive finance services, and at the same time, it can also reduce operating costs and bad debt rate. The blockchain financial platform of "Chained Finance" launched by Dianrong and Fujintong, a financial platform owned by Foxconn, is because traditional supply chain finance companies can only provide financing services for about 15% of suppliers in the supply chain, and with the help of blockchain technology and financial platform, 85% of suppliers who were originally difficult to finance can get better financial services.

Feng Ruibin, Chief Risk Control Officer of Dianrong

And how does Dianrong use the mobile Internet to serve low-income groups that traditional financial institutions cannot serve? Feng Ruibin said that Dianrong will treat customers with different loan needs in different ways. For example, for customers with low loan amount, only face recognition and data available on mobile phones are needed. If you need a higher loan amount, you will need more mobile data. We obtain the relevant data in the user's mobile phone through user authorization, which not only has a good experience, but also reduces the cost of obtaining customers, which is much more useful for risk control than getting reports.

Blockchain technology can increase the visa speed from two months to a few seconds

Kong Lingxin, chief technology officer of Dianrong, opened a picture of innovation and development in the field of financial technology. He said that we are in an era of particularly rich information, and many actions of everyone will leave data, which brings competitive advantages to financial technology enterprises across banks and departments. For example, the data of a 28-year-old single mother borrower used to be kept in only one department, but now it can be kept in many departments, which not only helps to build a model, but also can be presented to investors, so that investors can feel that their money has really helped those in need.

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Kong Lingxin, Chief Technology Officer of Dianrong

Blockchain technology is equivalent to a magic ledger in this information-rich society, and its tamper-proof performance is very well used in finance, which can reduce many opaque problems. For example, if you want to travel to Japan now, you need to go to the bank to open a deposit certificate of 51 thousand, which may take 2-3 months. If the blockchain technology is used, the bank not only knows everyone's deposit information, but also knows how long the deposit has been in the name. When applying for a visa, you will get a key given by the bank and provide it to the Japan Tourism Bureau. Because the blockchain cannot be tampered with, you can issue a visa in a few seconds. The application of blockchain in the field of financial technology can also greatly improve the efficiency of financial services.

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Dianrong executives answered students' questions on the spot

After the activity, Dianrong's HR colleagues said that they had received more than 51 internship resumes from Jiaotong University students, and two of Dianrong's first management students were from Antai school of economics and management, Jiaotong University. Before the start of this sharing activity, Dianrong also sponsored the graduation season basketball match of Aetna School of Economics and Management and held a friendly match with five basketball teams of Aetna School of Economics and Management.

Brief introduction of Dianrong executives

Guest 1

Founder and co-CEO of Dianrong.com: Guo Yuhang? Before Kevin Guo founded Dianrong.com, Mr. Guo Yuhang was the managing partner of a well-known law firm in Shanghai. Lawyer has more than 11 years' experience. He has represented intellectual property affairs for well-known multinational Internet companies such as Siemens, Google and Microsoft, and served as legal adviser for several venture capital funds. He has a deep understanding of Internet finance and investment. ? Mr. Guo Yuhang is currently a member of Shanghai Youth Federation, vice chairman of Huangpu District Youth Federation, director of Shanghai New Finance Research Institute, expert of insurance association of china Internet Branch, 51 people in the credit information industry in China, and entrepreneurial tutor of global entrepreneurial leader project of Tsinghua University Wudaokou Finance College, and was elected as one of the top ten IT youths in the 13th Shanghai. In 2115, he was awarded the title of "Outstanding Young Entrepreneur of 2115" by the 3rd China Financial and Economic Billboard, and was awarded the title of "Financial Industry Leader in Shanghai" by Xinhua News Agency, Shanghai, the Third Committee and the Financial Office. In February 2116, he was appointed as a member of the Second Committee of China People's Political Consultative Conference in Huangpu District. ? Mr. Guo Yuhang is currently an EMBA from Wudaokou, Tsinghua, and an EMBA from Shanghai Jiaotong University School of Advanced Finance. As an industry expert who participated in the discussion of Internet finance policy making in China, he wrote the book "Theory, Practice and Supervision of Internet Finance" together with the regulatory authorities, which was published at the end of 2114. At the same time, he also opened personal columns in mainstream media such as Caixin.com, Sina Finance, Zero One Finance and Weiyang.com..

Guest II

Chief Risk Control Officer of Dianrong.com: Mr. Feng Ruibin Bryan Pang has nearly 21 years of rich experience in the operation, marketing and risk control of financial institutions, and has a deep understanding of various credit risk management such as personal retail, small and micro enterprises and supply chain finance. Especially for the credit risk of SMEs, Mr. Feng Ruibin once promoted the credit management of SMEs in Standard Chartered China to "world-class level", including redesigning and adopting the best industry practices in the SME banking business of Standard Chartered China; Mr. Feng Ruibin also participated in the creation of the SME credit business model of Fudeng Investment Credit Guarantee Co., Ltd. (a wholly-owned subsidiary of Temasek Holdings), which is famous in the industry as a "credit factory". Mr. Feng Ruibin led the credit risk team for a long time. Before joining Dianrong. com, he held important positions such as Head of SME Risk Department of Standard Chartered China, Chief Risk Officer of Fudeng Investment Credit Guarantee Co., Ltd. and Deputy Chief Risk Officer of Ping An Pratt & Whitney.

Guest III

Chief Technology Officer of Dianrong.com: Kong Lingxin

Mr. Kong Lingxin has more than ten years of experience in strategic planning and team management of Internet technology companies. The first two ventures in Silicon Valley in the United States both caught up with the first wave of Internet entrepreneurship in 2111 and led the company to go public successfully. Since then, he has worked for Microsoft and NetApp respectively, responsible for technology research and development and project management, successfully and effectively developed and managed large-scale cross-international team projects, and led the research and development of several cloud platform products with millions of active users and total revenue of over 111 million US dollars. The third venture was in China, and the mobile platform was invested and recognized by Sequoia Capital. ? Mr. Kong Lingxin holds a double degree in computer science and psychology from Stanford University, USA. He is good at human-computer interaction (HCI) technology and has served as a guest lecturer in Peking University.