Digital Kingdom

"What do you think of Manager Qian's proposal?" Zhao Ziming leaned down and lit a cigarette for Vice President Wang. He had always paid attention to his work.

Zhao Ziming doesn't smoke himself, he is playing with a lighter in his hand.

"We still have to be cautious." Seeing Zhao Ziming's easygoing attitude, Vice President Wang relaxed on the surface.

Zhao Ziming did not speak, standing in front of the French windows and looking out, the setting sun was like blood.

"The big order model is after all robbing the bank's business." Vice President Wang was firm in his tone. The big standard was large loans for companies or individuals, especially companies.

"Online loans are inclusive finance", Vice President Wang reminded, "Big standards can only be supplemented by banks. We can only do projects that banks cannot do."

Zhao Ziming frowned and couldn't make up his mind.

"It can be said that the big standard is picking up the leakage of the bank, which will inevitably lead to adverse selection," Vice President Wang continued. "To be a defective product in the eyes of a bank, you must have stronger risk control and bad debt disposal capabilities than the bank."

"Yes" Zhao Ziming sighed.

Although he is confident in his technical ability, he cannot rely on technology alone.

"The bank has the resources, if there is bad debt, you can go to the court to sue, and the lawsuit will be accurate, and the bank has the support of multiple parties, such a powerful processing capacity, and the loan application that is not willing to accept, how can we compare it?" Vice President Wang vomited Smoke ring,

"Manager Qian said that as long as he agrees to open a large bid, he will immediately attract 40 million yuan in financial investment for the company." Zhao Ziming explained the whole story.

Vice President Wang took a breath. Qian Xueqian is really the Raptors who crossed the river.

I just joined the company a few days ago and brought 10 million wealth management users. I immediately gained a foothold in the business department. Now I am spitting out such a big piece of fat.

"What does he want?" Vice President Wang calmed down and asked, not to be messed up at this time, otherwise, the three of them would have to be beaten down.

"He didn't say it clearly, but since he asked to open the big bid, he must be involved in the loan group. The deputy manager of the business department is more appropriate." Zhao Ziming turned around and said to Vice President Wang.

"In that case, we have to take precautions. He was recommended by Manager Shen, and the relationship between the two is still classmates." Vice President Wang didn't have eye drops on this, and proceeded purely from reality.

As the company became more prosperous, his sense of belonging to the company became stronger. Although he was a little careful at ordinary times, he could distinguish clearly at critical moments.

"Well, you arrange for someone to stay with him." Hearing Zhao Ziming's words, Vice President Wang knew that he had made up his mind.

After all, 50 million wealth management users can immediately push the company to make a big leap, even if it is poisonous bait, it must be swallowed.

With the launch of Yu'e Bao, the trend of the p2p market has become stronger, but the competition has become more intense. Recently, various wealth management companies have emerged in an endless stream. How to survive will test the wisdom of each company.

It's not that your company has strong technology and good service. The key is profit. If the profit is too low, it is better to deposit in a bank and not worry about bankruptcy.

"Okay, Mr. Zhao" Wang Tianbao naturally understood what it meant. Although this person was hard to find, he did not decline.

"Well, you go call Liu Shuhe and see what's up with him." Zhao Ziming sat at the reception table again and began to make tea.

"Yeah" Vice President Wang nodded, got up and went out.

This Secretary Zhao has been weird recently, and he doesn't know what to do with the water pour service, but Mr. Zhao didn't speak, so he couldn't say anything.

With flexible minds, outstanding abilities, and reliable character, such people are hard to find. Where they are placed, they are all talents. Vice President Wang slowly recalled Qian Xueqian's team to see if there were any opportunities.

"Mr. Zhao, my junior brother Zhang Jie" Liu Shuhe opened the door and brought someone with him.

Zhao Ziming has no complaints, as long as he is talented, he is more tolerant.

Zhang Jie is a young man who is not tall and wears glasses. Seeing his greeting, he knows that he is not outgoing.

"Oh, sit down" Zhao Ziming personally poured a glass of water for the two

"The risk control model you mentioned last time..."

"This is what my younger brother thought of, let him do it." Liu Shuhe gave the initiative to Zhang Jie.

"Zhao is always like this. My inspiration comes from American data company celar." Zhang Jie started to stutter a bit and slowly became smooth.

"My initial plan is to establish such a risk control model to assess which groups have never had a relationship with a lending institution, and turn all data related to them into credit data, such as the records of buying a house and renting a house, and what kind of car they drove. , Whether the signature is neat, and the time spent on the loan application page of online loan companies such as Golden Dragon Loan. I have roughly calculated that there are nearly 10,000 variables. Through model analysis and continuous machine learning, the credit of the lender can be formed Evaluation."

Zhao Ziming was very novel, and asked about the specific situation in detail.

When Zhang Jie talked about professional matters, he was full of energy. "For example, the time the lender logs on to the website is always in the middle of the night, which may indicate that he is a vagrant during the day; once he borrows from our company, it takes too long to fill out the form and always deletes and changes. It may be fabricated information"

"Based on these diversified and large amounts of heterogeneous data, a comprehensive and comprehensive analysis of users' behavior and habits can obtain more accurate credit evaluation results."

"That's right, all data is credit data" Zhao Ziming agreed.

"According to our preliminary research, we found some interesting patterns on Weibo." Zhang Jie was excited.

"The number of fans, content posted, social networks, etc. can all be included in the risk assessment model"

Zhang Jie further explained with examples,

"Weibo users have 50 fans as a limit. The credit level of more than 50 fans is much higher than the credit level of less than 50 fans. The daily amount of Weibo sent, the credit level of more than 3 and less than 3 is also very different."

Although Zhao Ziming studied liberal arts and didn't know much about specific techniques, he has been studying hard recently and it is no problem to understand the other side's thinking.

"At present, it seems that big data intelligence will be the focus of the next step of development. The data used in credit investigation will cover traditional credit investigation data, consumption, financial data, identity data, social, business data, daily activity data, specific or unspecific Behavioral data under the scene" Zhao Ziming thought further,

He has no idea how to develop his own artificial intelligence. He can't rest assured about the small news. Now it seems that big data intelligence is a good entry point.

"Yes, Mr. Zhao, and the more technology we accumulate, the more plump our risk control model will be" Liu Shuhe interjected.

"The ever-expanding customer base and data will make our judgments more accurate. This is a process of dynamic adjustment."

"Well, I have always emphasized that technology is our foundation. Although we have offline business, the core is online. This principle will not change now and will not change in the future." Zhao Ziming encouraged passionately.

Although he just agreed to Qian Xueqian's request, this is just a stopgap measure. He always has a clear understanding of the company's positioning. There are many talents like Qian Xueqian. As long as he spends great effort, so many banks across the country can always dig.

The accumulation of technology is where Golden Dragon's advantage lies. From a certain perspective, Liu Shuhe and Zhang Jie are far more important than Qian Xueqian.

However, Zhao Ziming was still taken aback by Liu Shu and the next request. The recruitment plan for a team of fifty people was of course a long-term plan.

At the moment, Zhang Jie’s team needs to be supported and a dozen or so individual technical teams are needed.

Zhao Ziming thought for a while, and finally decided to follow Liu Shuhe's ideas. If he hadn't just agreed with Qian Xueqian and used him to raise 50 million in financial management, he could not even afford a salary.

It's no wonder that online lending companies' venture capital is prevalent. It's not that Zhao Ziming has the confidence. He may have been unable to hold it for a long time and started looking for investors.

However, the introduction of venture capital is a basic strategy. According to the company's current operations, the longer it lasts, the higher the valuation.

Since Zhao Ziming took over the company, the market value of King Long has risen tenfold in less than three months. Although the external environment is the main reason, the company's good business conditions cannot be denied.

With the current default rate of a few thousandths, the asking price of 100 million is not too much. Although the size of the company is not the number one in the market, the accumulation of technology has a unique trend in the world.

After getting a satisfactory answer, the two left, Zhao Ziming shook his head and smiled bitterly, and called the secretary to come and clean the table. He has always been tolerant of the technical house.