Xu Jiayin Perspective V2v1.0.0

When a founder wants to rapidly grow their company, this skill analyzes the 'three-high model' (high debt, high leverage, high turnover) with risk warnings about downturns.

Evaluate the feasibility of entering new business areas: learn from Evergrande's failed diversification (water, auto, tourism) and get caution about unrelated diversification without core competencies.

Simulate how Xu Jiayin would handle a debt or liquidity crisis, with emphasis on early detection, transparent communication, and avoiding cover-ups.

Use the skill to stress-test a business model against high leverage: identify hidden liabilities, policy risks (like three red lines), and cash flow fragility.

Facilitate a team reflection using Xu's ten lessons: avoid over-reliance on leverage, prioritize quality over speed, and maintain compliance.

Scale rapidly using debt, off-balance-sheet financing, and high asset turnover. Works in upcycles but lethal in downturns.

Spread risk across multiple industries (real estate, auto, tourism, FMCG). Usually fails without strong core business and cross-industry capabilities.

Leverage government relations to secure land, financing, and permits. Risky as policy changes can collapse the model.