我知道小额贷很赚是因为真实生活中我认识做小额贷的人，他们做的就是消费贷，借给很多人，每个人只借很少的金额，但是实际违约率很低而且利润率奇高，就是那种说出来你马上觉得是骗子的那种。当然，这种盘子一般都没法进去，因为谁做谁赚，没必要吆喝，就是几个有钱人把门一关凑一起玩的内部盘子，雇几个人上app, 发传单，调整大数据模型，都是自有资金放出去，省了很多资本市场的麻烦。
虽然那时候没路子，但是我一直留意这个领域，后来接触到的别家小额贷有的是快上市了，有的是机构把资金全包圆了的，总之就没有一个能参与的。
直到机缘巧合，我知道了我投的一个初创的早期投资人里面，居然有一拨人投进去了同一家小额贷公司，而且已经好几年了，而且还对外开放参与，我就好奇了：
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