The reborn I want to lay down a big country

Chapter 464 Successor Interview

"Why worry about Jinshui Financial?" Liang Xin naturally found a chair in the room. After sitting down, he calmly and calmly faced Teng Zengsui, with a look on his face as if his life mission had been successfully completed, so he was helpless. A lustful smile.

Teng Zengsui took a cigarette from Liu Feng, took a slow drag, and said, "Don't you think you need to worry? I remember that when you first asked me for money to establish Jinshui Financial, you didn't say anything That’s what you said. You said it yourself, Jinshui Financial is the core asset of Sanjin Technology in the future. Through the tool of Jinshui Financial, the flow generated by Sanjin Technology and Sanjin Charity Fund is the core competitiveness of Sanjin Technology. Are those words you said farts?"

Lao Teng was losing patience with Liang Xin day by day, and he was waiting for the day of retirement. He didn't have much time, and he and Liang Xin were fighting each other. He said bluntly: "If this thing is really important, it must be put away as soon as possible." Come back. While we still have the means to restrict Shen Ruilong, the banking license of Jinshui Financial is still in our hands.

Otherwise, when he realizes one day and wants to change the bank license issuer of Jinshui Financial to one that he can control in the future, then we will really have nothing to do with him.Sanjin Technology says it will go public within three years, but don’t think three years is that long.Three years is just a blink of an eye.At that time, if the business of Sanjin Technology is subject to the binding of Goldwater Financial, it will have a great impact on our listing plan. Maybe it depends on Shen Ruilong's face, and yourself. Don't you want to redeem Sanjin Technology? "

"Haha, it's not that serious..."

Liang Xin listened to Teng Zengsui's words so seriously, but he had everything in mind, and said: "Grandpa, I just want to ask a very simple question. If Shen Ruilong takes all of Jinshui Financial now, we ourselves will have nothing to do. Is there something to replace it?”

Teng Zengsui said: "Tell me about it."

Liang Xin said: "At present, Jinshui Finance is mainly the payment system tool of the classmates network. If Shen Ruilong takes away Jinshui Finance, we can always get Dongfeng Financial or other financial tools to supplement it. To put it bluntly, this thing is just three gold It’s just a supporting facility for technology. When you take it apart, it’s technically nothing more than a few lines of running code, plus existing user data, and bank access permission. Tongfeng Payment on Tongtong.com changed its name to Dongfeng Payment, and users also There will be no discomfort.

But what if Jinshui Financial leaves Sanjin Technology and Alumni Network?Who on the market would recognize this brand?No.Even if Shen Ruilong wants to give it to others for free, others may not want it. "

"Then what you said before are really just farts?" 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 Financial can only be fully demonstrated based on its future expansion.

Before that, it only has the significance of technology and market access; after that, we can see its financial significance, social significance, and even... other higher-level significance..."

"Mr. Liang, what you said is so mysterious." Cheng Gang smiled lightly.

"Mr. Cheng, I thought you had gone back to the city while I wasn't paying attention." Liang Xin looked over, smiled and greeted Cheng Gang, and then immediately returned to the topic, "That's right. Be specific.”

Liang Xin stood up, walked back and forth for a few steps as if no one was around, and suddenly looked up, "The current number of users of Jinshui Financial is only 200 million. It can be said that this system is completely dependent on the classmates network. In other words, the classmates network How strong the traffic diversion ability is, the influence of Jinshui Financial will be greater. However, this is only for now.

In the next few years, the first thing we can optimistically estimate is the increase in users of Tongtong.com. According to the results we can see so far, an average of 100 million active users will be added per month. This is not a big problem. In other words, three Ten months later, we predict with the most optimistic expectation that Tongtong.com will likely have 3000 million so-called active users, the kind who log in at least once a day.Even if discounted in half, 500 million active users are equivalent to nearly one-fortieth of the current total number of Internet users in China, and are most likely already more than half of the potential online consumers in the entire network.

And secondly, in addition to the classmates network, Sanjin Technology will definitely need to expand our track territory in the next step.What does that mean?That is, our current positioning of the Alumni Network is a social platform. So is it possible for us to build a special network platform that relies on social networking? It does not have to be a website, but it can also be in other forms.But what's the key?The key is that the payment system of that platform is integrated with Goldwater Finance.

By analogy, the more tracks we occupy, the more users will use Classmate Pay. The same user may use the same payment method on different networks or even in real-world scenarios.

Accumulated in this way, on the one hand, while expanding the number of active users of Sanjin Technology, we also opened up the application scenarios of student payment.By 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 lead to qualitative changes.One day, without relying on the Sanjin Technology platform, the payment channel of Jinshui Financial can also form its own product ecosystem independently..."

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

"Mr. Liang, I seem to understand what you are saying, but there is something unclear about it... I can't fully understand it." Chen Honor said with a dazed look in his eyes, "Can you explain it more simply?"

"Yes." Liang Xin said, "To put it more simply, Jinshui Financial cannot demonstrate its due value independently of Sanjin Technology because Sanjin Technology is not big enough now. In the future, as Sanjin Technology gets bigger, Jinshui As the scope of financial applications expands and expands, and is naturally accepted by the entire market, Jinshui Financial can become independent and form an independent business model. Only after this independent business model emerges, can Jinshui Financial be valuable .”

"Oh……"

Now, the people in the room understood.

Teng Zengsui said: "Based on your idea, how much time do you think it will take?"

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

Teng Zengsui's eyes changed slightly.

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

and……

"Can the hardware problem be solved in five to ten years?" Teng Zengsui asked, "What kind of model are you talking about to further connect online and offline?"

"Moore's Law." Liang Xin said, "The shrinkage of integrated circuits is technically advancing at a rate of almost doubling every year. According to the current technical level, in about five years at the fastest, there should be a handheld device the size of a mobile phone. Let’s call computers smartphones, and they should be widely used in the market. I am optimistic that by then there will be 100% cases of people setting up stalls on the roadside using mobile phones to collect and pay.

The old farmers in China's mountains and valleys who have never touched a computer in their life are very likely to skip the Internet [-]:[-] era and be pushed by social trends to enter the Internet [-]:[-] stage.Our potential users are in the vast underdeveloped areas of China and even the world, not to mention developed urban areas. This technology and market will develop at a speed that is unimaginable to people today..."

Teng Zengsui frowned slightly, feeling that Liang Xin was talking in his sleep.

However, at this time, someone in the room said: "Are you talking about the concept mobile phone launched by Amrik Apple just last month?"

"Has Apple launched a smartphone?" Liang Xin was slightly startled.

The person who spoke was Kang Ming's rival Liu Hao. He looked even more surprised than Liang Xin and asked, "You don't know?"

"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, a touch-screen mobile phone. The operation method is very similar to the current computer window system. I also spent 500 million US dollars to buy shares of Apple." I believe that’s the future.”

"Then if they smash it, you will die, right?" Kang Ming suddenly said.

Liang Xin said seriously: "I make my own judgment and I will bear the risks myself."

Kang Ming was stunned for a moment, and then he said something unexpectedly: "Then I'll buy some too."

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

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

I still graduated from the Ivy League, bah!

"Xiaoliang, these ideas of yours are all based on speculation."

Teng Zengsui couldn't restrain his anxiety and said, "Besides, you've been saying it for a long time. If Jinshui Financial is really so promising and will become something even people in the mountains use in the future, then how dare you Let Shen Ruilong take [-]%? Aren't you cheating the group and yourself? How are you going to get back the shares of Goldwater Financial that Shen Ruilong holds?"

"Mr. Teng, if this really happens, I have a way!"

In the whole room, someone else chimed in, "We can build another payment platform, change the name, and put it into use at the same time as Classmate Pay. We fully control this platform. While the scale of Classmate Network is not large yet, users can also If you accept, this payment platform can grow together with Classmate Pay, why not call it Dongfeng Pay!"

"Yes." Li Yongke suddenly said, "When Dongfeng Pay grows, we will find an excuse. For example, if the license period expires, we can let classmates Fu and Shen Ruilong get out together. Then it will be enough to keep Dongfeng Pay as a family. "

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

Liu Hao also added: "And this opportunity must be grasped well. It cannot be too late to let students pay, and it cannot be too early. Otherwise, Dongfeng Pay's market share is not large enough and the brand acceptance is not high, which will easily lead to self-defeation."

Teng Zengsui nodded slightly, turned around and asked Liang Xin: "Where is Xiaoliang? Do you have any other ideas?"

Why, you still want to bring me to the same level as them?

Liang Xin laughed in his heart.

What are you talking about?

I am a serious group shareholder, okay?

"I don't agree." Liang Xin said directly, "Of course there are thousands of ways to get rid of Shen Ruilong. But the basis for doing this first is to continue to grow the user base of Sanjin Technology and Jinshui Financial. And I We also have 20.00% shares in Jinshui Financial. If you want to get rid of Shen Ruilong, you will also make my share go down the drain."

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

Liang Xin said: "For the new payment platform, I will use the shares of Goldwater Financial to make a one-to-one equal exchange with you."

Teng Zengsui: "..."

The audience: "..."

"Young man, you are taking advantage of the situation."

An old guy in the room, whose name Liang Xin couldn't pronounce accurately, chuckled.

Liang Xin also laughed and replied: "Yes, will you accept my threat?"

"Okay, we can exchange."

Teng Zengsui suddenly spoke, without embarrassing the old man, and he was obviously used to Liang Xin's style. He said calmly, "If we don't change, you are going to tell Shen Ruilong, right?"

"Yes." Liang Xin said shamelessly and openly.

Kang Ming couldn't help but sigh.

I thought that if in Amrik, a beast like Liang Xin would be assassinated at least two or three times a month...

This guy was born in China, so he is blessed with great fortune.

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

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

If the two people agree, the matter is settled.

"Xiaokang hurry up and implement it. Try to make it before the end of this month. Try to be as natural as possible and not attract Shen Ruilong's attention." Teng Zengsui made up his mind and made a slightly contradictory request to Kang Ming.

Kang Ming agreed confidently: "Okay! Don't worry, Mr. Teng! We will do a good job!"

Teng Zengsui said to Liu Hao: "The new payment platform can also be connected to Xiao Liu's Dongfeng web game."

Liu Hao smiled and said: "Okay, this way Dongfeng Web Games does not need to be affected by Hualong Holdings. Jinshui Financial now has an impure bloodline, so you don't have to worry about using it."

What do you mean?

Liang Xin turned to look at Liu Hao.

"How are Dongfeng web games doing these days?" Teng Zengsui asked casually.

Liu Haodao: "Still doing promotion."

Teng Zengsui asked Liang Xin: "Xiao Liang, do you have any suggestions for Dongfeng web games?"

"No."

Liang Xin didn't own half a dime of shares in Dongfeng Web Games, and with a smile on his face, he only had to write the words "It's none of my business."

Teng Zengsui had no choice but to tell Liu Hao, "Learn more from Tongtong.com. The patent for the game on Tongtong.com has been authorized to you. If you can't make it happen, you can't blame the group for not supporting you." "

In front of so many people, Lao Teng's words were a bit harsh, which was not his usual style.

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

"Okay, let's leave it at that regarding Jinshui Financial. As for what we talked about today, you guys should go back and sort out your thoughts, come up with a written draft, and hand it over to Liu Feng." Teng Zengsui's gaze said, He glanced at the faces of young people Liu Feng, Kang Ming, Liu Hao and Li Yongke, and said to Liang Xin, "Xiao Liang, don't leave yet. I have other things to tell you."

Liang Xin raised his hand and looked at the time. It was already 11:[-].

Teng Zengsui smiled: "Don't worry, it won't take up too much of your wedding night."

Liang Xin said nonchalantly: "It's okay. Let's talk about money. We can talk about it until dawn. My Lingling supports my career the most."