Digital Kingdom

"Xiaolong, Baoping, sit down"

Zhao Ziming greeted the two in Liulin Building and Qingjun Tea House. He arranged the meeting with his girlfriend after buying the car.

"Mr. Zhao"

Yang Xiaolong and Xu Baoping were very polite.

"Come, try the Dongyue Temple tea here, this is the owner's treasure"

Zhao Ziming introduced with great interest.

"Haha, let's try it out"

Yang Xiaolong smiled and agreed, feeling crooked. He didn't like tea at all, so he could only stay with him.

"This Mingmei wild tea uses Dongyue Temple's fresh buds as its raw materials. It is thin, round, white, straight, more white, and has a verdant color. Dongyue Temple is on the bank of the Pohe Reservoir and is more than 1,000 meters above sea level. Pure natural and pollution-free. It is usually brewed with 85° boiling water, then filtered to remove the water, and then add boiling water."

Zhao Ziming talked and started,

Although the skill of making tea is a bit rusty, it is more than enough to fool two laymen.

"Look at it, the Yuzawa is bright and clear, and the fragrance is high and long lasting. After drinking it, the taste is rich and refreshing."

Zhao Ziming handed the brewed tea to the two.

Xu Baoping took a sip, only to feel a bit of astringent taste, but did not vomit it out. It was extremely difficult to drink, and it was far worse than coffee.

"This is Zhao Ziming's earthen hat. Who doesn't know who you are from a cock and what kind of cultural person you pretend to be"

Xu Baoping complained with a smile, "good tea"

"It's nothing today, let's talk casually"

Zhao Ziming saw that the two were not very interested, and was a little disappointed in his heart, and began to talk about business.

Yang Xiaolong revealed the meaning of meeting in private. Of course, Zhao Ziming would not refuse, although he didn't know why Fan Qiyun was excluded. This was just their internal struggle, and Zhao Ziming didn't care.

"I'm about to learn from Mr. Zhao"

Yang Xiaolong said politely.

"Everyone learns from each other" Zhao Ziming smiled and said,

"After this time of contact, I believe you have your own understanding and judgment. In my opinion, equity investment is like a married man and a woman. Your investment in Golden Dragon is also your trust in me. Here, thank you in advance."

Yang Xiaolong sat up straight, listening to Zhao Ziming's explanation.

"The background of global quantitative easing has led to a flood of capital. The money printed becomes worthless, and the value of capital begins to decline. This is why I rejected many investment institutions because they do not have what I need.

For equity investment, I think it is not pure investment. Capital has a profit-seeking nature. It only wants the icing on the cake and does not want to give away charcoal, which contradicts the company's interests.The core of equity investment is not capital, but you have the resources to help the other party succeed. Capital is only endorsement and certification."

Yang Xiaolong nodded in agreement. He has figured out Zhao Ziming's thinking. For Golden Dragon Loan, pure capital is not valued by him. If he can't bring what he needs, just kick out.

"In the eyes of ordinary people, equity investment is risky, but this is just a kind of prejudice. It seems to be risky and has large profit margins. Risk is the prerequisite for success. Risk-free profit is no profit in the end. Besides, the risk of equity investment It is lower than the stock market. The stock market has caused countless people to go bankrupt, but equity investment has not heard of many bankruptcies."

Zhao Ziming made a joke and went on to say

"For your investors, one way to reduce risk as much as possible is to reduce your own costs, while for operators, lowering the company's valuation is unacceptable.

The reason why we have proposed a valuation of 18 billion that far exceeds that of our peers is based on the judgment of the company's stage. King Long's risk control technology has taken shape. The next step is to continuously collect data, reduce the default rate, and further expand the consumption installment business.

For example, the company’s research and development has been completed, and it is in the mass production stage. The profit prospects are promising. You must also have judgments. There is basically no risk in investing in Golden Dragon. It is just a matter of earning more and less. In this case, the valuation I want is a bit higher, and it’s nothing."

Yang Xiaolong was silent. The reason why he accepted the super high valuation of 18 billion is this. From the perspective of external competition, Jinlong has nothing to fear. The only thing to worry about is the large-scale policy.

As long as the country does not implement a one-size-fits-all approach to ban the online lending industry, King Long will be able to live very well, and the further the future, the stronger the brand effect, the more trust it can build in the hearts of investors.

"As for the risks in national policies, I don't think we need to worry about it. Rectification is inevitable, and it is impossible to completely block them."

Zhao Ziming seemed to see through Yang Xiaolong's mind, smiled, and said his own judgment.

With the intensification of competition, there will be many violations of laws and regulations. This is unavoidable. You can only pay attention to yourself and don't burn yourself.

Yang Xiaolong agrees with Zhao Ziming's judgment that the barbaric growth of the online lending industry will sooner or later cause the country to rectify, but at that time, I believe they have already left the market.

The prosperity of any industry is inseparable from the initial laissez-faire, especially the domestic tradition of'chaos as soon as it is released, and death as soon as it is done'. For development, crossing the river by feeling the stones is also allowed.

However, when the prosperity reaches a certain level and the chaos is overwhelming, it is the time to rectify. At that time, the whole market will be in vain.

However, Yang Xiaolong has another judgment. The shot of the national team may be an opportunity for Golden Dragon. The fierce fire tempers real gold. Once the online lending company goes bankrupt, there is a lot of noise, but it can set off the excellence of Golden Dragon.

Now, Golden Dragon is so powerful that a large part of it is made by advertising. Among the 100 investors and borrowers, I don’t know if half of them can see the extraordinary of Golden Dragon.

It is a common problem for everyone.

Although Jinlongdai continued to make breakthroughs in monthly revenue, the profit increase was not large. Zhao Ziming had a little feeling in it, especially after seeing some news about the destruction of the family, he felt compassionate.

After "Jianghu" went live, Zhao Ziming rejected all the crowds and lowered the loan interest rate many times. He was not prepared to make much money on this, but he was interested in other aspects.

Although it has received a lot of praise in certain circles, it is a pity that this feeling is insignificant for the entire online loan market.

Jinlongkong has the technology to dominate the world, but it can't reach the hearts of the people.

Even if the loan default rate is reduced to one in ten thousand, it will not be able to withstand the 30% interest rate of other companies. Before the risk comes, everyone thinks that they are far away.

All platforms are claiming low risk and no risk, even if there is a default, the company can still guarantee the bottom.

The fact is the same, as long as the capital chain continues, no amount of interest can be paid.

This is true on the financial side, and so on the loan side.

For many lenders, it doesn’t matter if the money is paid more or less before the money is received. The complicated liquidated damages and interest calculation formulas make people dizzy. Once something happens, they can’t repay the loan on time and start to feel pain. Scolding online loan companies for having no conscience, vampires.

Zhao Ziming was also very helpless about this, and could only do a little bit of what he could.

I briefly talked about my own judgment, and didn't care whether the other party agreed with it. After all, the general trend was in me.