Credit pat founder Zhang: Revisiting ideal origin REVIEW: pat-prime is a P2P lending companies. In the 'Entrepreneur' magazine article in 2012 11 'P2P lending company is still a pioneer martyrs? 'Introduces pat loans: loans pat a total of 120 million registered users, successfully borrowed money has more than 40,000 users, the monthly trading volume of 50 million. The following is a pat on the loan founder Zhang wrote a letter authorizing entrepreneurs Posted:? Text / pat-prime Joint founder, CEO Zhang Road to Jane?. Philosophical question boils down only three: Who are you want to go you come from hardships, people often get lost in the trivial into???. Many times you will forget their original purpose, forget direction when, going to forget where you are. As a founding team, we planted a seed; grow into towering trees in the process, it may be easier to get lost. So I want to tell you three stories and relive the ideal origin five years ago when the sail. The first story is about dreams. Why pat loans, there are a lot of stories. This version of the most authentic: In 2006, the Nobel Peace Prize, Professor Yunus and his Grameen Bank. The second half of 2006, we lost on the Internet. New venture, is heart move. But looking to start their own rapid development of video sites, but it felt somewhat awkward. We ask ourselves: video site in the world and what impact will this industry can bring much value to society is no doubt that the video is definitely a 'money' in the industry, but we have a willing non??. Our team of people, there are always others seem crazy code geass wigs and stupid idea of public service. We love money, but not to personal wealth for the first goal; we hope that we are not traders, although had first to be a successful businessman. Accidentally saw Professor Yunus won the Nobel Peace Prize, reported that all the bits and pieces, and instantly and even became a line: via the Internet to do microfinance. This is to help improve the lives of people in need of capital, improve operations and realize their dreams; they can help people get paid to invest, to get the music to help others; you can also let people be punished bad faith. And we, as everyone can serve to create social value. Even better, it combines the commercial and public, is to promote the public welfare through the development of business practices of a good thing. Everything is beautiful, very tough action, the risk is infinite. Because we want to change it is a financial ecology, similar to the Dutch created the stock market, open days and the provision of land. We all right? This is not bound feet before the assault joined forces difficult choices, even after five years of operation, still always let us 'scared.' The fall of 2012, at a meeting, loveless wigs after listening to Xu Xiaoping, a speech teacher. He said that any great enterprise has its own soul ...... soul is the ultimate core competitiveness of a business. His words such as lightning struck my mind. Yes ah, pat-prime have the kind soul? Deep down, we expect our soul is humble and small, simple and naive, we dream of this world because of our actions and better. This dream, like a fire burning in the depths of the soul, let us have the courage to face all the difficulties. For a moment, the dream to overcome fear, to overcome the weak to overcome the lazy, so with a pat on the loan. Years later, we still continue to hurt, setbacks, I think, subconsciously, is still the original dream, pushing us to wipe away tears, heal wounds, strong forward. Perhaps one day, pat the loan will do more pure public good, to, please do not laugh at us. We are so humble, so that five years later, dare to speak the original idea. After the finish, but also buried in the bottom of my heart for many years. Maybe 10 years later, in order to put into practice. However, this is the true story about the dream. The second story is about innovation, technological innovation and financial innovation. Simply no support utopian dream. Fortunately, we have the Internet era of the advanced productive forces. When you look at old fields with advanced productive forces, many places will have a chance. Internet combined with traditional financial is the case. On the one hand is the IT technology innovation, leading to inefficiencies before becoming high efficiency; on the other hand is innovative financial mechanisms, through the creation of some of the rules may change a lot of the old mechanisms produce new things. Pat mortgage planning and operations at the beginning, we and many friends to explore the Internet and the financial sector, there are often many sparks. It was suggested that we do the transfer of claims, the rapid expansion of the scale; some say the United States can learn, do asset securitization; some say can introduce security companies, insurance companies, the establishment of large platform; there are those who say Social very hot, so you can develop a similar Facebook ...... These features really makes us very excited about the direction of the potential financial opportunities the Internet plus too many too. In 2008, a financial crisis sweeping the world. The origin of the crisis is financial innovation. When we look at those extremely complex mathematical models by the world's smartest people founded and seemingly perfect financial logic, Cosplay Costumes we find too complex reckless 'innovation' is sometimes introduced astray. Chinese people to create a bank, the Dutch created the stock market, these very great innovation is only fruition after years. It combines a century of tradition, combined with the power of the country have the ultimate perfection. These are not just the power of the individual, it is the power of community. ? Our cardcaptor sakura wigs smart enough to do with Wall Street and in the City of London economists, bankers are far worse than we; we are good, but not a saint, we also have moral hazard, we may also meaning but misguided. So, we have since tied hand and foot, self-limiting, abandon and suppress a lot of thought. In the end, we chose the way of technological innovation, adhere to grow in line with the way the laws of nature. Credit pat five years so far, it is still a simple platform. We do not give social chaos. We believe that this will enable us to have a better self-limiting growth over a longer period of time. We constantly remind myself: great power comes great responsibility. Focus on technological innovation, does not mean no innovation. On the contrary, this can make our energy, resources unprecedented concentration, thereby focusing on the innovation to the extreme, to do long-term innovation. The third story is about time and patience. I have a classmate, we have created together over the college rock band, he is our lead guitarist. After graduation, most people choose to enter the large-scale enterprises, and he is surprisingly went to Germany, to start a stable programmers. Years later, we all thought he would stay in Germany, but he unexpectedly abandoned migrants returned to their homeland. He no longer writes the program, he began painting. When I first saw his paintings, I was shocked. His painting is a very strange, own original painting: distance is the typical Chinese ink landscape, very classical; but look at the past, every stone Meike spray each flower trees are painted by hand point strange, exquisite designs, 'assembled' from such monsters, such as shells, such as machinery, very postmodern. I was shocked that this painting, do not speak of how creative, one on the creative process, the number of energy consuming? I asked why he chose to paint or create such a tales of the abyss wigs manner? He said, quite simply, I am not a technical education not like a pro, a few days, a few weeks out of a painting. My paintings take several months or even a year or more. Compared with them, I'm planning a longer, I have to be patient. Other people do not make an art, others can not, and I'm better than. Gee, and we created this idea when loans are much alike pat! Patted loan idea from the end of 2006, the operation in 2007. At that time we knew the idea patted loan early, probably out of date. But with long-term perspective is different. We firmly believe that Internet banking is a big trend. Endure loneliness, it allows us earlier and faster to make more mistakes, eat more bitter, more testing is feasible and not feasible. So from the outset, we want to fight a different pat-prime company. We are not in a short time to plan, we do not like other companies to do a year, three-year plan, we focus on things that can bring long-term value. Many hotspots in 2007 have disappeared, but the loan still pat, and is steadily developing. Today, we still see yourself as five years ago, looking at the world. Many hot spots today, the future will disappear, but the loan will be in pat! Future of many hot spots, most of them will also disappear, but we firmly believe that the loan will always pat! We are dedicated to the dream, but we are not stupid. Feel bystanders laughed at us, and despised us, and even ignore us, but we will still be in accordance with our long-term strategy, step by step forward. Many people tend to overestimate the development of 3 years, but underestimate seven years, after 10 years of development. In many cases, time can be our weapon and friends. We want kekkaishi cosplay to pat loans become a great company, and we hope such a pat-prime Inheritance idea: to create long-term value by way of looking at the world, our development planning. The world does not lack a mediocre company, but the lack of the kind of society can create long-term value, for people to create the well-being of the company. Everything is changing, but some things the same good. 'Who are you that you come to go???' Buddha said: do not forget the early heart, was always square. I wish the new five-year loan-pat, all the best.