Chapter 078: Open

"Politics, what kind of company are you doing?"

After Zuo Chuchu got into the car, he took off his bowler hat, pulled up his loose hair, and tied it with a rubber band, which looked more casual.

"Have you ever heard of P2P online lending platforms?" Ye Zhengzheng started the car, glanced at her from the rearview mirror, and found that no matter how this woman dressed, she gave people a pleasing feeling.

“Zopa?” Zuo Chuchu blurted out all of a sudden.

She really knows about P2P online lending.

The prototype of the P2P online lending model was created by four young people in the United Kingdom: Richard Dewar, James Alexander, Sarah Matthews and David Nicholson.

In March 2005, they founded the world's first P2P online lending platform, Zopa, which was launched in London. Today, Zopa has expanded to Italy, the US and Japan, investing an average of more than £2 million online per day.

P2P online lending platforms have been relatively well developed in developed countries such as the United Kingdom and the United States, and this new financial management model has gradually been accepted by the public in the Internet era. On the one hand, the lender realizes the income appreciation of the asset, and on the other hand, the borrower can use this convenient and fast way to meet his capital needs.

However, the most successful P2P lending platform is not Zopa, but Lending-Club, which was founded in 2007. Today, there are more than 1 million members, and the amount of personal loans exceeded $1 billion at the end of last year, making a profit.

After three rounds of funding, Lending-Club is now seeking to list on the NASDAQ, with a total market capitalization of $5 billion, making it the world's first publicly traded P2P online lending platform and demonstrating the viability of this new Internet model.

"What is Zopa?" Ye Zhengzheng didn't understand.

"The world's first P2P online lending platform, and I still borrowed money on it?" Zuo Chuchu tied his hair and smiled proudly.

"You'll borrow money too?" Ye Zhengzheng frowned, he always thought that this was a rich girl, but now he didn't behave very similarly, and he seemed to be poorer than himself.

"I can't borrow money? Do you want to take care of your business? Zuo Chuchu took out a tissue and helped Hu Niu wipe her mouth.

Uh-huh......

The tiger girl's mouth was still eating, and at the same time she handed a piece of chocolate to Zuo Chuchu's mouth.

"Forget it, I'm not a P2P online lending platform, but a P2B online investment platform." Ye Zhengzheng turned the car out of the parking lot and headed towards the main road.

"Online investment platform?" Zuo Chuchu was stunned for a moment with chocolate in his mouth, hearing this word for the first time.

"They sell bonds on the platform, but I sell shares in some companies!" Ye Zheng explained simply.

"You're not going to be the main character of The Wolf of Wall Street, are you?" Zuo Chuchu's heart tightened, because she remembered the big movie called "The Wolf of Wall Street", and the protagonist started by recommending the stocks of those garbage companies.

Through telemarketing, those worthless junk stocks have been blown to the sky, pit those ordinary people who are greedy for small and cheap money.

"My model is different from his, I will be responsible for losing money! Not only will I not cheat them, but I will create at least 10,000 millionaires among them! Ye Zhengzheng squinted his eyes and looked ahead, looking full of confidence.

He believes that he can get rid of small loans, get tens of millions of enterprise evaluation capabilities, and then find some companies with listing potential, take these small people to get rich, and carve up this big cake in the Chinese capital market.

Zuo Chuchu originally expressed his concerns, because this road is difficult to walk, and this man may become the second wolf of Wall Street. But when he found that this man had a strong sense of pride, he couldn't help but swallow his words back.

Once again, she found that this man was different from all the young people she knew, and very ambitious.

"Brother Politics, bye-bye!"

Hu Niu stood at the door of the aquarium and waved at Ye Zheng until the car disappeared around the corner.

"Tiger girl, let's go in!" Zuo Chuchu took her little hand and walked towards the door of the aquarium.

"Sister Chu Chu, do you like my political brother?" After taking two steps, the tiger girl asked again with wide eyes.

"Why do you keep asking this question lately?" Zuo Chuchu pinched her big pie face.

"Because Brother Politics says he likes you!" The tiger girl has a small face.

Yes?

Zuo Chuchu's hand suddenly loosened, and his heart thumped. In fact, there are many men who like her, and it seems normal for this man to like her, but she is a little overwhelmed, and at the same time a little joy wells up.

……

The wind was good, and an Audi was speeding down the highway, heading west.

Chasing the wind and the sun, Ye Zheng opened the car window and found that this day had never been better. The P2B online investment model he planned to create, no one supported it, Zhang Min doubted it, Tie Dongxue despised it, his mother was not optimistic, and even the woman just now didn't believe it.

Call!

He breathed a sigh of relief, it had been so long that his mood had suffered. Only now he can finally take a substantial step and officially start his plan, so that everyone understands that he is on the right path and wants to do something different.

And now, he has found the most suitable company, and he intends to fight hard.

"Hey, what's going on?" Ye Zhengzheng dialed a number and asked at the other end.

"Boss Ye, I have found the owner of that mining factory in the industrial zone!" Sun Chong over there replied.

"What did he say?" Ye Zhengzheng asked again.

"That friend of his, who is trying to divest his money, is in a hurry than we are!" Sun Chong lowered his voice and said happily.

"Excellent! I'll arrive at the industrial park at about three o'clock, and I'll have you to show me the way, and I'll talk to him about the purchase in person! The corners of Ye Zhengzheng's mouth were slightly upturned, and someone wanted to withdraw his shares, which was too favorable to his judgment.

"Boss Ye, what is this Bitcoin? How did you hear him say that it was money? Sun Chong couldn't help but be curious and expressed his doubts.

"It's money, but it's not money. But that's not really important! Ye Zhengzheng said a very contradictory sentence, this kind of emerging thing is really not something that can be explained clearly in one or two sentences. Unlike the U.S. dollar and other government-backed currencies, Bitcoin is not issued by central banks, but is created through a so-called "mining" process. Its developer and founder, a person or organization under the pseudonym Satoshi Nakamoto, established an open-source project for Bitcoin, officially announcing the birth of Bitcoin.

Bitcoin is a peer-to-peer electronic cash system based on cryptography rather than credit, allowing any two parties to agree to make payments directly without the involvement of a third-party intermediary.

It is also the most successful counterfeit currency to date, and the biggest difference from other virtual currencies is that its total number is very limited and extremely scarce. The monetary system will have no more than 10.5 million in the first four years, and the total number after that will be permanently limited to 21 million.

A Bitcoin address is a string of letters and numbers about 33 digits long, always starting with a 1 or 3, such as "1DwunA9otZZQyhkVvkLJ8DV1tuSwMF7r3v". This kind of barcode only has the possibility of theoretical copying.

There are only two ways to get bitcoin in the current market: one is to spend money buying it from someone who owns it; The other is to "mine" from the Bitcoin system, which is open to the market.

The principle of the mining machine is that you perform fast calculations through computer hardware (i.e., mining machines) and constantly generate a 33-bit barcode, and whoever generates the barcode is consistent with the "newly released" bitcoin barcode, who will own this bitcoin.

This is also one of its charms, creating a level playing field, where the system automatically puts 50 bitcoins into the market every ten minutes, and anyone has a chance to grab them.

Long Xiaoyong discovered this interesting market by chance and participated in it with a friend. They are one of the earliest "bitcoin miners" in China, who mined bitcoins through "mining machines" and then sold them.

And now, Ye Zhengzheng has decided to take a stake in their company and play this interesting mining game with them.