"Why worry about Jinshui Finance?" Liang Xin naturally found a chair in the room, sat down for a while, and calmly faced Teng Zengsui, with a smile on his face as if his life task had been successfully completed, so he had no desires.

Teng Zengsui took a cigarette from Liu Feng's hand, took a slow puff, and said, "Don't you think you need to worry?" I remember that when you first asked me for money to set up Jinshui Finance, you didn't say that. As you said, Jinshui Finance is the core asset of Sanjin Technology in the future. Through the tool of Jinshui Finance, the flow generated by Sanjin Technology and Sanjin Charity Fund is the core competitiveness of Sanjin Technology. ”

Lao Teng's patience with Liang Xin was gradually lost, and he crossed his fingers and waited for the day of retirement, he didn't have much time, and then boiled each other's eagles with Liang Xin, and said bluntly: "This thing, if it is really important, it must be taken back as soon as possible." While we still have the means to restrain Shen Ruilong, the banking license of Jinshui Finance is still in our own hands.

Otherwise, when he reacts one day, he will replace the banking license issuer of Jinshui Financial with a power that he can control in the future, then we will really be helpless against him. Sanjin Technology said that it would be listed within three years, but don't think that three years is long. Three years is just a blink of an eye. At that time, if Sanjin Technology's business is subject to the binding of Jinshui Finance, it will have a great impact on our listing plan, and it depends on Shen Ruilong's face, as well as yourself, don't you want to redeem Sanjin Technology? ”

"Haha, how can it be so serious......"

Liang Xin heard Teng Zengsui say so seriously, but he had 10,000 bamboos in his chest, and said: "Ah Gong, I'll just ask a very simple question, if Shen Ruilong eats all the Jinshui Finance now, will we have nothing to replace ourselves?" ”

Teng Zengsui said: "Tell me about it." ”

Liang Xin said: "Jinshui Finance at present, it is mainly the payment system tool of the classmate network, Shen Ruilong took Jinshui Finance away, we can get a Dongfeng Finance or other financial tools at any time to make up for it, to put it bluntly, this thing is just a supporting facility of Sanjin Technology, dismantling it, technically it is nothing more than a few lines of running code, plus existing user data, and bank access permission." The classmates of the classmate network pay, change the name to Dongfeng payment, and the user will not have any discomfort.

But what if Jinshui Finance leaves Sanjin Technology and leaves the classmate network? Who in the market will recognize this brand? No. Even if Shen Ruilong wants to give it to others for nothing, others may not want it. ”

"Then what you said before was really a fart?" Teng Zengsui frowned slightly.

Liang Xin explained calmly: "Of course not, but this matter depends on the stage." As I said before, the importance of Jinshui Finance can only be fully demonstrated on the basis of its future expansion.

Until then, it only has the meaning of technology and market access; After that, we can see its financial significance, social significance, and even ...... Other higher level meanings......"

"Mr. Liang, what you said is so deceitful." Cheng Gang smiled faintly.

"Mr. Cheng, I thought you had already gone back to the city before I was paying attention." Liang Xin looked over, greeted Cheng Gang with a smile, and then immediately cut back to the topic, "Then let's be specific." ”

Liang Xin stood up, walked back and forth a few steps as if no one was around, and suddenly raised his head, "The number of users of Jinshui Finance is only two million at most, and this system, it can be said that it is completely dependent on the classmate network, in other words, how strong the drainage ability of the classmate network is, how great the influence of Jinshui Finance is." But that's just for now.

In the next few years, the first thing we can optimistically estimate is the increase in the number of users of the student network, according to the results we can see at present, an average of one million active users a month, the problem is not big, that is to say, after 30 months, we predict with the most optimistic expectation that the student network will probably have 30 million so-called active users, that is, the kind that will log in at least once a day. Even if you put it in half, 15 million active users are equivalent to nearly one-fortieth of the total number of Internet users in China, and it is very likely that they are already more than half of the potential online consumers on the entire network.

Then the second one, in addition to the classmate network, Sanjin Technology will inevitably need to expand our track territory in the next step. What does that mean? It is our current positioning of the classmate network, which is a social platform, so is it possible for us to make a special network platform that relies on social networking, not necessarily a website, but also other forms. But where is the key? The key is that the payment system of that platform is integrated with Jinshui Finance.

And so on, in this way, the more tracks we occupy, the more users will use the classmate payment, and the same user may use the same payment method in different networks and even real scenarios.

With this accumulation, on the one hand, we have expanded the number of active users of Sanjin Technology, and also opened up the application scenarios of student payment. At that time, once the scale of the Jinshui financial user group established by relying on the channel matrix of Sanjin Technology is formed, quantitative changes will cause qualitative changes. One day, without relying on the Sanjin Technology platform, the payment channel of Jinshui Finance can also form its own product ecological ...... alone.

Liang Xin claimed to be "very specific", but he quickly forced it down, and a large group of people in the room were all at a loss.

"Mr. Liang, I seem to be able to understand what you said, but I can't explain it clearly...... Can't fully understand. Chen Rongxing's eyes were in a trance, "Can you explain it more simply?" ”

"Yes." Liang Xin said, "To put it more simply, it is that Jinshui Finance cannot be independent of Sanjin Technology and exhibit its due value, because Sanjin Technology is not big enough now, and the bigger Sanjin Technology will be in the future, the application scope of Jinshui Finance will be larger, and it will be naturally accepted by the entire market, and Jinshui Finance will be able to become independent and form an independent business model by itself." Only after the emergence of this independent business model can Jinshui Finance be valuable. ”

"Oh......"

Now, the people in the room understood.

Teng Zengsui said: "Then according to your idea, how much time do you think it will take?" ”

"In five to ten years." Liang Xin said, "First of all, we must wait for the further development of hardware technology to further open up the connection between online and offline." Secondly, it also takes time to accumulate users, plus cultivate users' consumption habits. ”

Teng Zengsui's eyes changed slightly.

Five to ten years, he can't wait that long.

And......

"Five to ten years, will you be able to solve the hardware problem?" Teng Zengsui said, "What kind of model is the further connection between online and offline that you are talking about?" ”

"Moore's Law." Liang Xin said, "The downsizing of integrated circuits is advancing at a rate of almost doubling every year. According to the current level of technology, in about five years at the earliest, there should be a handheld computer the size of a mobile phone, let's call it a smart phone, and it should be large enough to be put into market application. I am optimistic that there will be 100% people setting up stalls on the roadside, using their mobile phones to collect and pay.

The old farmers in China's ravines and ravines, who have never touched a computer in their lives, are very likely to skip the 1.00 era of the Internet directly, be pushed by the social trend, and enter the 2.0 stage of the Internet together. Our potential users are in the vast underdeveloped areas of China and even the world, not to mention the developed urban areas, and this technology and market will develop at a speed that is unimaginable to people today......"

Teng Zengsui frowned slightly, feeling that Liang Xin seemed to be talking in a dream.

However, at this time, someone in the room said: "What you said about this refers to the concept mobile phone that Amrik Apple just launched last month?" ”

"Apple has launched a smartphone?" Liang Xin was slightly stunned.

The person who spoke was Liu Hao, Kangming's competitor, who seemed even more surprised than Liang Xin, and asked rhetorically, "You don't know?" ”

"I ...... I probably know a little bit, but I didn't expect them to move so fast. ”

Liang Xin perfunctorily explained, "Yes, that's what I'm talking about, the touch screen mobile phone, the operation method is very close to the current computer window system, and I also spent five million dollars to buy Apple shares." I believe that's the way of the future. ”

"Then if they smash it, you won't have to die?" Kang Ming came out with a sentence.

Liang Xin said: "My own judgment, I will bear the risk." ”

Kang Ming was stunned for a moment, and the ghost sent a sentence: "Then I'll go buy some too." ”

A large group of people in the room couldn't help but roll their eyes at Kang Ming in unison.

Damn, the solemn and serious atmosphere of the meeting was all ruined by this fool.

Also Ivy League graduated, I phew!

"Xiao Liang, these thoughts of yours are all based on speculation."

Teng Zengsui couldn't hold back the anxiety in his heart, and said, "Besides, you said for a long time, if Jinshui Finance is really so promising, it will become something that even people in the ravines and ravines are using in the future, so how dare you let Shen Ruilong take sixty percent?" Aren't you a pit for the group and yourself? Shen Ruilong's part of the shares of Jinshui Finance, how can you get it back? ”

"Mr. Teng, if you really want to do this, I have a way!"

In the room, someone said, "We can get another payment platform, change the name, and put it into use at the same time as our classmates." We are in full control of this platform. Taking advantage of the fact that the scale of the classmate network is not large now, users can also accept it, this payment platform, you can grow together with the classmate, it is better to call it Dongfeng Pay! ”

"Yes." Li Yongke suddenly spoke, "When Dongfeng Pay grows up, we will find an excuse, for example, when the license expires, we can let our classmates pay and Shen Ruilong get out of the house directly, and it will be enough to keep Dongfeng Pay at that time." ”

When Teng Zengsui heard this, his eyes lit up instantly.

Liu Hao also added: "And this timing must be grasped well, neither too late to let the classmates pay the climate, nor too early, otherwise Dongfeng Pay's market share is not large enough, the brand acceptance is not high, and it will be easy to be self-defeating." ”

Teng Zengsui nodded slightly, turned his head and asked Liang Xin again: "What about Xiao Liang?" Any other ideas? ”

What's the matter, you still want to pull me to the same level as them?

Liang Xin smiled in his heart.

What kind of?

Ye is a serious shareholder of the group, okay!

"I don't agree." Liang Xin said directly, "Of course, there are thousands of ways, and it is not difficult to get rid of Shen Ruilong." But first of all, the basis for doing this is to continue to grow the user scale of Sanjin Technology and Jinshui Finance. And I also have 20% of the shares in Jinshui Finance, if you want to get rid of Shen Ruilong, then at the same time, you want to make my share go down the drain. ”

Teng Zengsui frowned, "Then what do you want?" ”

Liang Xin said: "The new payment platform, I want to use the shares of Jinshui Finance to do a one-to-one exchange with you." ”

Teng Zengsui: "......"

Audience: "......"

"Young man, you're taking advantage of the fire."

An old guy in the room whose name Liang Xin couldn't accurately name said with a smile.

Liang Xin also replied with a smile: "Yes, may I ask if you accept my threat?" ”

"Alright, you can exchange."

Teng Zengsui suddenly spoke, not embarrassing the old man, and he was obviously used to Liang Xin's style, and said lightly, "If we don't change, you plan to go to Shen Ruilong's side to tell the truth, right?" ”

"yes." Liang Xin was shamelessly frank.

Kang Ming couldn't help but sigh.

The heart said that if it was in Amrik, a brute like Liang Xin would be assassinated two or three times a month......

This commodity was born in China, and it can be regarded as a great blessing.

"Old Mo, what do you think?" Lao Teng turned his head and made a look with the old man who was talking to Liang Xin just now.

Lao Mo nodded slightly, Teng Zengsui also understood, and followed a little.

The two of them agreed on the same thing, and the matter was settled.

"Xiaokang hurry up and implement it, strive to make it before the end of this month, try to do it naturally, and don't attract Shen Ruilong's attention." Teng Zengsui, who had made up his mind, made a slightly contradictory request to Kang Ming.

Kang Ming agreed with confidence: "Okay! Mr. Teng rest assured! Be sure to do a good job! ”

Teng Zengsui said to Liu Hao again: "The new payment platform can also be connected to Xiao Liu's Dongfeng page tour." ”

Liu Hao said with a smile: "Okay, so Dongfeng Page Tour doesn't have to be affected by Hualong Holdings, Jinshui Finance is now impure in blood, and it is not safe to use it." ”

What do you mean?

Liang Xin turned his head to look at Liu Hao.

"How are you doing these days?" Teng Zengsui asked casually.

Liu Hao said: "It's still being promoted. ”

Teng Zengsui asked Liang Xin: "Xiao Liang has any suggestions for Dongfeng page tours?" ”

"Nope."

Liang Xin didn't have half a dime of shares in Dongfeng Page Tour, and with a smile on his face, he just had to write the words "close my dick".

Teng Zengsui had no choice but to tell Liu Hao, "Learn more from classmates, the patents for the game on classmates have been authorized to you." If you can't do it, you can't blame the group for not supporting you. ”

In front of so many people, Lao Teng's words were a bit heavy, not his previous style.

Liu Hao couldn't help but feel a little more pressure when he listened, and nodded lightly.

"Okay, then this matter of Jinshui Finance, that's it. What we talked about today, a few of you, go back and sort out your thoughts, get a written draft out, and turn it back to Liu Feng. Teng Zengsui's gaze swept over the faces of Liu Feng, Kang Ming, Liu Hao and Li Yongke, and said to Liang Xin, "Xiao Liang, don't leave first, I have something else to tell you." ”

Liang Xin raised his hand to look at the time, and it was half past eleven.

Teng Zengsui smiled: "Don't worry, I won't delay you too much time to spend candles in the cave room." ”

Liang Xin said indifferently: "It's okay, talk about money, it's okay to talk about dawn, my family Lingling supports my career the most." ”

(End of chapter)