Digital Kingdom

After arriving at the company, Zhao Ziming greeted the person on duty and returned to his office. Recently, he has been living and eating at the company, and all kinds of daily necessities are prepared.

Lying on the bed and sending a text message with Li Rongrong, they told each other that they were safe. Zhao Ziming was a little excited after drinking. He kept chatting with Li Rongrong until midnight before saying goodbye to rest.

The next morning, Zhao Ziming got up early and went to Xinghualou for breakfast. Xinghualou, as a famous breakfast shop in SH, features seven-color pastries and health-preserving porridge. Zhao Ziming has been fond of it for a long time and has been looking for a chance to try it.

It is estimated that he was hungry for too long. Zhao Ziming felt that it was indeed a worthwhile trip. It was delicious on earth. After eating breakfast, he received a call from Vice President Wang before he arrived at the company. The famous online loan home forum and Woodpecker website appeared. There are a lot of posts that rumor that the company is about to close down.

Zhao Ziming pressed his forehead and told Vice President Wang not to worry. Now I search the Internet and find out which websites are discussing. What is the main problem? He will go back to the company immediately and wait for him to go.

Generally, Internet rumors start in the middle of the night and brew during the day.

Zhao Ziming asked the taxi master to hurry up, then turned on his phone and browsed several posts that Vice President Wang said.

I looked at the problem roughly, and it was similar.But the number of clicks is very high, tens of thousands.You know, both Wangdaizhijia and Woodpecker are more professional forums, with a total of only 100,000 registered members.

"Be alert, Golden Dragon Loan is about to run away"

The title of the post was terrifying, so Zhao Ziming took a look.

The news broke that several rich second-generation bosses of Jinlongdai had already sold the company, and now they were taken over by someone who didn't know where they came out.

According to insiders, Jinlongdai’s bad debt rate has reached 20%, and it is estimated that the new round of maturity investment is difficult to withdraw.

Recently, Jinlongdai’s advertisements have emerged in endlessly. Everyone is careful. It is estimated that they will pay the old with the new. Once the problem comes out, it will not only be lost, but Jinlongdai is also suspected of crime.

The nickname of the person who broke the news is called Text, and the number of clicks on the post is very high, which may be due to the recent advertisements, and there are many replies below.

"Really, Golden Dragon Loan is very fierce recently. There are so many advertisements, it doesn't seem to be running away."

"Owner, don't scare me, I just signed up and I'm about to vote"

"sofa"

"Owner SB, identification is complete"

"No dry goods at all"

…………

After reading the content, Zhao Ziming felt relieved, and clicked on a few posts with similar titles. After a glance, there was basically no dry goods, all of them.

But we can't blame Vice President Wang for making a fuss. After all, there are so many posts that discredit the company. Although the quality is not good, it can't stand up to the crowds. Moreover, the company is now precarious and can't stand the toss.

Zhao Ziming was thinking about how to let Xiaoxun operate the navy to reply and refute after returning.

Suddenly saw a post, which was clicked a lot, and was quickly topped.

"Heizi of Jinlongdai, do you still have a conscience?"

I am a student at school. Due to family difficulties, I did not apply for a student loan. Later, I learned about the existence of Golden Dragon Loan by chance. I applied for Golden Dragon Loan in a panic, but I did not expect it to be approved. , The entire handling fee can be said to be incredibly low.

Golden Dragon Loan can take out loans without collateral.Although I have repaid the loan now, I have always been grateful for Golden Dragon Loan.Seeing so many black gold dragon loans today, I have to stand up and say something fair.

"Undoubtedly the navy"

"Can students get loans, I'm going to try"

"666"

...

Zhao Ziming was surprised not by the content of the post, but by the person who posted it, nicknamed I love potatoes. This was one of the network flags that he had created by Xiaoxun at the time. Could it be that Xiaoxun has been able to automatically judge and take the initiative based on the situation? Yet?

I immediately took out my mobile phone and contacted the newsletter. Upon understanding it, I was even more surprised.

Zhao Ziming’s task for Xiaoxun is to post advertisements on several professional forums to promote Golden Dragon Loan.

According to the small newsletter, at the beginning, it was indeed a step-by-step advertisement on various websites related to loans and finance, and at the beginning a portion of the company's traffic was introduced.

But as the initial advertising effect passed, fewer and fewer people were attracted.

After analyzing and judging, the small newsletter simply directed and acted, and started a quarrel between the sunspot and the fans. After all, silly advertising is definitely not as attractive as a quarrel.

Although in Zhao Ziming's opinion, the posts posted by both parties are relatively mentally retarded, this is a big improvement for the small news.

Zhao Ziming believes that the core part of artificial intelligence lies in self-learning. It is already a great improvement for the newsletter to learn the essence of the hype incident through analysis and judgment.

Zhao Ziming has always felt that the five directions of artificial intelligence, big data intelligence, swarm intelligence, cross-media intelligence, human-machine hybrid enhanced intelligence, and autonomous intelligence, with autonomous intelligence being the most important and most difficult to control.

Zhao Ziming is happy and worried about the self-assertion of the small news.

Although the small news is just a simple hype, or it can be said that it is a change in the means of advertising, will it bury the signs of loss of control in the future?

Artificial intelligence can complete tasks faster and more efficiently than humans. However, the danger is that it can also create fake news, fake e-mails, and fake information. It can manipulate information. Once artificial intelligence develops its own will, it can interact with humans. Any disobedience will inevitably lead to conflicts and even wars.

It seems that in the future, we should be more cautious about the use of the newsletter, and try to minimize the contact between the newsletter and the outside world. Take your first use as an example, it is best to use the newsletter as an optimization tool rather than an all-round assistant. .

Zhao Zi thought secretly, if left alone, it might break through its own limits and become a real monster.

If conditions are ripe in the future, you should develop your own artificial intelligence on this basis.

In Zhao Ziming's mind, the best artificial intelligence should be a human assistant, not an independent existence.

Although Zhao Ziming noticed that the small newsletter strictly abides by the law and respects the rules, once it grows, how will it change and its destiny is fickle.

Just as every child has been educated since he was young, he must abide by the law and the rules. Once he grows up, he will know the benefits of breaking the law and breaking the rules.

When he came to the company, Vice President Wang arrived early.Zhao Ziming listened to Vice President Wang’s report, and the situation was similar to what he knew, so everyone was relieved.

He has already contacted the navy just now, and he can act immediately, and he will take advantage of this opportunity to launch the new wealth management product he designed some time ago.

As for the cost of finding the water army to distribute advertisements, Zhao Ziming's personal advancement will be paid by Zhao Ziming, and the company will be responsible for reimbursing the cost after the company's operation becomes normal.

Although the shares in the entire company belong to Zhao Ziming, the individual belongs to the individual and the company belongs to the company.

How to calculate advertising costs, of course, is based on the attracted users.

At present, the cost of obtaining a registered user in the P2P industry generally exceeds 100 yuan. For some platforms with proper cost control, this cost can be controlled at around 70-80 yuan.For Golden Dragon, at least 100 yuan.

According to the effect of advertisements in the past few days, the number of applications with loan intentions reached about 30 million, which exceeded the total amount in the first quarter in one fell swoop.

Of course, the loan intention doesn't tell you much. The most important thing is high-quality lenders. Many people just throw a net, and if they can deceive a sum, they will not return it anyway.

For the review of the lender's information, the most important thing.It mainly relies on online and offline audits. Online audits mainly check whether personal information is true and whether it has the ability to repay. Offline audits are face-to-face or on-site investigations.

Many P2P companies went bankrupt because of lax online reviews, and the large amount of loans sent out could not be collected, which caused operational difficulties.

Offline audits are also costly. If you are not a local person, it is difficult to judge whether they have the ability to repay.

Many small p2p companies do not have offline audit methods. For example, Golden Dragon does not have the ability to conduct offline audits.

Zhao Ziming also considered this, and the next step is mainly to rely on small news.

Many large companies simply choose to cooperate with small loan companies and financing guarantee companies to share their established lending capabilities.

The workload of manual review alone is large and the review is not accurate. Li Youming initially relied on Internet technology to conduct online loan review, such as organizing the borrower’s fragmented Internet information, such as Weibo, QQ and other social information and shopping information. Conduct credit considerations and evaluations in combination with financial capabilities and bank creditworthiness.

Although the idea is good, the technology does not meet the requirements at all. Compared with the accuracy of offline manual review, it is much worse.

Later, I wanted to introduce manual review, but the cost was too high, and Li Youming hesitated, and ultimately did not recruit too many manual reviewers.