Digital Kingdom

"We all know that the most important point for the company's value increase is before and after the listing. Regarding the positioning of Golden Dragon, I think this way. From a development point of view, I can postpone the IPO and make the company's value increase as much as possible. In other words, risks are proportional to returns. Before going public, try to push the company's market value as high as possible to reduce its growth, create a super IPO, and reduce the profits of the secondary market."

Zhao Ziming expressed his thoughts.

When Yang Xiaolong heard this, they were overjoyed, and they were just right. For investors, if the stock price soared after the company went public, it was their failure, because the money was made by the stockholders, and they took risks to invest. Not for doing good deeds.

You must enjoy as much profit as you take. For stockholders, the risk is controllable. If the valuation falls, they are sold. However, the primary market takes a long time to recover and obtain returns.

"Of course, postponing the IPO is not a delay in time, but to allow the company to grow to its maximum size before going public. It is necessary to consider all prospects as much as possible, and all expectations are mastered, so that this part of the huge profit of the company's value enhancement is given to the risk. Investors, not shareholders.

For example, Facebook’s 100 billion U.S. dollars listed, Alibaba’s 200 billion U.S. dollars, their valuations are already so large, they lack multiple space for stock appreciation, and the stock price rises slowly."

Zhao Ziming took a sip of tea and continued, since he gave a big stick, sweet jujube is indispensable, and it is also due to comfort investors.

Yang Xiaolong originally had a lot to say, but now after listening to Zhao Ziming's narrative, he doesn't know what to say.

"In my expectation, how strong online loan companies should coexist, and it is impossible to have one dominates. The best result is just one super strong, because the nature of the market determines that you cannot be for everyone. Provide services.

For non-performing lenders, their funding needs are also huge. Even if the credit is poor, it does not mean default. In many cases, as long as certain measures are taken, the account can still be paid. For this part of the market, Golden Dragon can do There are not many. We have strived to comply with laws and regulations from the beginning. It is impossible to collect debts and involve the gray side of society."

Zhao Ziming is here happily, no matter whether the two are interested or not, will they agree, and continue to say.

"For the next development of Golden Dragon Loan, it is necessary to continue to optimize big data risk control. Although we have initially established industry barriers, our advantages are not absolute. With the involvement of major e-commerce giants in this field, our technical advantages are Reduced, they can easily crush most online lending platforms with massive amounts of data.

To a certain extent, algorithms are not as important as data. No matter how good the algorithm is, it is a fantasy if it is separated from the data. It is difficult for a clever woman to cook without rice. Socialized data itself has strong barriers. As long as the data is mastered, even if the analysis ability is not So precise, it can also achieve some incredible things.

The automated grouping of QQ address books is a good example. In fact, its technology is not that advanced. It can clearly determine whether a person is my junior high school classmate or colleague, but it has accumulated massive amounts of data.

Now everyone is gradually realizing the importance of data. Relatively closed is the first choice for most companies. It is like a gold mine. Although my mining ability is not strong, I guard it and don't let others mine.

For Jinlong to develop by leaps and bounds, it is necessary to obtain massive amounts of data. The largest gold mine, bank credit records, will not be open for a short time. We can only consider other ways to purchase data and share resources. For a company of the same size as ours, think Ways to reach cooperation with each other to achieve data sharing, for small companies can buy, buy, and try to obtain all kinds of data.

Many companies now use cookies in mobile apps and browsers to obtain a large amount of user information and continue to track user behavior. Although this is an infringement of user data privacy, we cannot do this, but it does not prevent us from using it by spending money Or obtain the data by other means, or purchase the services of these companies to reverse the cracking of the data.

All of these are what the company will do next.

Zhao Ziming put down the teacup, not talking, leaving time for the two to digest.

Yang Xiaolong was an eye-opener. Although he always knew that Zhao Ziming still had the ability, he could not think that he had such a clear idea about the development of Jinlong.

For many entrepreneurs, they will go bankrupt if they can survive. They have only vague goals for the future and hesitate to make strategic decisions.

Xu Baoping looked at Zhao Ziming for the first time. Although he was kind on his face, he somewhat despised Zhao Ziming’s grass-roots nature. Dongfang University is well-known in China and is not ranked in the world at all, let alone compared with the school where he studied abroad. .

Zhao Ziming's background is even more difficult to take. In his opinion, he is a poor lower middle peasant. It is just a coincidence that he met a good technical team and completed the establishment of big data risk control. Otherwise, a student without any background wants to intervene. This piece is still too whimsical.

Xu Baoping has recently focused his energy on the technical team of King Long, holding that if they fail to agree, they will dig people and start a new stove. Unfortunately, King Long's confidentiality measures are too in place, and the X team of King Long has not been found.

After hearing what Zhao Ziming said today, Xu Baoping suddenly realized that everyone’s success is not a fluke, even if they are lucky at first, if they want to further develop and grow, it is impossible to stay in place.

No matter what Zhao Ziming was like before, he is more than enough to lead the development of Golden Dragon Company, with clear thinking and clear goals.

"Listen to the Lord's words, better than read ten years," Yang Xiaolong complimented.

"Haha, Xiaolong is too polite, the future development of the company will depend on your support and help"

Zhao Ziming smiled.

"You don't care if you don't invest money. Without your meticulous care, it would be difficult for Golden Dragon to become a talent."

"Mr. Zhao, what would you say, as long as you are willing, it is too late for us to be happy. Intervention in the development of Golden Dragon is my most foreseeable investment in these years",

Yang Xiaolong opened his mouth in a polite way.

Once the financing is successful, it is essential to send a representative to the capital. After several contacts, Zhao Ziming found that Yang Xiaolong was still easy to control. The rumors of the "Poison Wolf" were exaggerated. Work in the company.

As for how Yang Xiaolong chooses, it is not something he can grasp. He reveals the meaning and sees whether he gets the bait or not.