Chapter 170 The man with billion in debt [Please subscribe! ]

February 2, Valentine's Day.

Wang Chengguang received the latest news after waking up: the number of Xinghuo payment users exceeded 8000 million, and the number of Xinghuo Weibo users exceeded 1.8 million.

The number of users of Paipai, the big penguin, has exceeded 2 million, and the transaction volume yesterday was 3000 million RMB. Even though there are as many counterfeits and fakes as on Taobao, the prices of many products are marked as cheap.

For many shoppers who only pursue brand effects and want to consume the halo of famous brands without caring about authenticity, it is not uncommon to buy fake shoes, clothes, etc. that are more durable than the real ones.

When Wang Chengguang was washing his face and brushing his teeth, Gu Jingjing came over and said with a smile, "Nini texted you again. If you don't go back today, she will fly over."

Wang Chengguang was speechless. He continued to wash for a while and smiled, "I'm going back. I have an appointment with Vice President Xu this afternoon. I guess he's discussing Spark Payment's financing. I don't know how sincere their offer is."

"But ICBC is not short of money, so it should not be short of money. It's just that they and I have different views on the value of Spark Payment."

The original trajectory was that Jack transferred Zhifubao in 2011 and negotiated with Yahoo how much money he would pay to Yahoo after the listing after he was backstabbed. Both parties estimated the market value of Zhifubao to be between US$60 billion and US$180 billion.

None of them can compare to Alibaba B2008B before the 2 Olympics.

That is Zhifubao, which has obtained a payment license.

Now Xinghuo Payment has won the battle easily, with 8000 million users, and after half a month of public beta, it has reached the peak of Zhifubao.

He doesn't mind discussing financing with ICBC and letting them invest in the company, but the valuations of both parties may differ greatly, and they may not be able to agree on the amount of money.

Gu Jingjing said in surprise, "With this financing, you have secured your place as a billionaire."

Wang Chengguang laughed, "My valuation of Spark Payment is definitely much higher than ICBC's."

"But it doesn't matter. If the negotiations don't go well, I can mortgage Spark again and pay 10% to ICBC for a loan. This kind of loan is not to rush to invest, but to show my attitude. I am sincere about the idea of ​​financing. The deadlock is caused by the different valuations."

Two years later, the storm was over, resulting in an even greater number of Fubao users. Mobile phone users exploded, and the era of smart phones began. Large groups called on their friends and made estimates, which ranged from 60 billion to 180 billion US dollars.

Of course, Jack tried to underestimate it as much as possible, aiming at US$60 billion, and Yahoo tried to overestimate it as much as possible. The higher the market value, the more money Jack would need to compensate Yahoo.

Now? ICBC estimates that Spark Payment is worth at most US$50 billion... This is a sincere valuation.

There is no sincerity. Even if I give you a valuation of 20 billion US dollars, that is also compared with Alibaba B2B after the storm.

Wang Chengguang must have felt that he had suffered a great loss.

The negotiations will not go smoothly. If you want everyone to be satisfied, you should still go for a mortgage. No matter how much the mortgage is, just show your sincerity.

He is not short of money now, so what should he buy with the new loan? To continue investing.

Putting aside Apple, Microsoft and other US stocks that are worth investing in, Amazon is also a great opportunity to buy at a bargain price.

2009年2月亚马逊市值200亿美刀出头，这对比08年金融风暴前的三四百亿美刀市值，只能算小跌，但2024那是1.9万亿。

Amazon has seen an outrageous growth of nearly 100 times in just over a decade.

Wang Chengguang is distressed. You were too ruthless in bottom-fishing and made yourself a major shareholder. For example, if you work hard to make money, you may have a chance to hold 10% of Amazon's shares, but North America can amend the law to kill you.

You hold too many shares and are getting too much bargains, but they don't play by the rules at all.

Even if Amazon can make a fortune, his shareholding ratio cannot be too high.

The same is true for Google. Its current market value in February is just over 2 billion US dollars, but in 1000 it will be 2024 trillion US dollars, an increase of more than 2.2 times.

There is a great opportunity to get a large amount of foreign exchange from ICBC and invest it to make money. This is even more than what you can earn if Xinghuo Payment beats Zhifubao.

I’m afraid that if I make too much money, the United States will take advantage of me.

When he finished washing and walked out of the bathroom, Gu Jingjing had already had a full meal...

………………

At around 14: p.m. on the th, Wang Chengguang got into the extended RV covered with one-way glass, and Gu Jingjing was the driver.

She and Wang Manni are wearing exactly the same outfit now. The age difference of a few years basically makes no difference in appearance at this age. If you say that the one who is driving at this moment is Wang Manni... there is no flaw.

In the back seat of the car, Wang Manni parroted and babbled for a while before saying to Wu Xiaowei, "Sister Xiaowei, it's fine that you didn't take me out to play, but you also sent me photos to show off your affection. I think I should ask you for wear and tear fees."

Wu Xiaowei's eyes widened, her face was in disarray, "I should be the one charging you!"

Gu Jingjing, who was driving, complained, "Nini, don't be so ignorant of your own limitations just because you came in last. Next time, Brother Guang, you show off your family rules, be more ruthless. She will have to learn a lesson."

"Oh, by the way, I have to go back to my hometown as well. None of us went back for the Spring Festival. It's already the 19th day of the first lunar month, and my mom has urged me to do so several times."

Wang Chengguang agreed, "Then bring more gifts when you go back, since you have been exposed."

He was a little embarrassed to say it. He had met Gu Jingjing's mother in real life and knew that she had heart disease. That was in February last year. He didn't know any medicine at the time, and his relationship with Gu Jingjing was very simple, just a superior and a subordinate.

Another month and a half passed, and his Chinese medicine skills had improved to a certain extent, already reaching the level of excellence (301/5000). However, if he wanted to enter the hall next time, he would have to study for about ten months more.

However, it is quite good that the main focus is on cooking and traditional Chinese medicine, and they can maintain this efficiency in both directions.

Excellent Chinese medicine practitioner...his skills are pretty good, but they are of little use without an in-person diagnosis.

Wang Chengguang thought about it and said, "Cash out the 100 to 200 mu of land owned by the Liang Group near the Pearl Tower on the Huangpu River, and build a medium-to-large residential area there in the future. We can bid for the design drawings this year, and contact Grand Vision Real Estate to start construction."

"When you go back this time, take Auntie to the best hospital in Shanghai more often. Health is the most important thing."

He is just an outstanding Chinese medicine doctor. It would be better for him to spend money to go to a top hospital for consultation.

Gu Jingjing nodded happily, "That's good. Nini and I are both from Quzhou, which is close to Shanghai. Most importantly, Shanghai has good medical resources." As they were chatting and laughing, the small convoy arrived in front of the China World Trade Center office building. As soon as they got off the car, they were surrounded by reporters who rushed over to take pictures and interview them.

Wang Chengguang was also familiar with entering and leaving the building with the support of the security team.

ICBC Vice President Xu arrived early. After a round of polite exchanges, the two sides discussed financing matters. Well, ICBC was pretty good and gave Spark Payment a valuation of US$40 billion, which is close to RMB 280 billion based on the current exchange rate.

If Wang Chengguang is willing to accept financing in RMB, ICBC can give 30 billion RMB and take 10% of the equity.

This is quite different from Wang Chengguang’s perception and valuation... But we cannot say that ICBC is not sincere. Xinghuo Payment has not yet obtained a license, does not have so many mobile phone users, and there has not been a winner-takes-all phenomenon.

After chatting with Vice President Xu for a while and drinking a few cups of tea, he finally spoke, "Why not mortgage it? 10% mortgage of 4 million US dollars, and the priority financing right can be written into the mortgage contract."

"Within five years, Spark Payment will definitely raise funds. As long as the conditions are met, ICBC will be the first major shareholder besides me, and the shares I sell to your bank will not be less than 10%."

Vice President Xu was in a daze for a few seconds and laughed, "The valuation gap is too big, and Mr. Wang doesn't even ask for an offer? Okay, mortgage loan is mortgage, with these additional conditions, our goal has been achieved."

Wang Chengguang didn’t even quote a price...what else could Vice President Xu say?
But he didn't have the foresight to see into the future. He could only say that he could never have imagined that four years later, Zhifubao would be able to achieve a transaction volume of over 9000 billion yuan. Wang Chengguang had already snatched it away. It was impossible for Xinghuo Payment to lose to the original Zhifubao!

Even if the 9000 billion transaction volume is the result of countless parties A and B transferring and trading through the platform, the value of this platform...

Wang Chengguang smiled and held out his hand, "Then we can just find a lawyer to draw up a new contract."

Vice President Xu also shook hands happily and wished the transaction a smooth journey. "Mr. Wang, do you want this 4 million US dollars and continue to invest in US stocks? Apple or Microsoft?"

It's not too abrupt to ask this question. Including this loan, ICBC has already provided nearly 80 billion to Lao Wang. Whether it's the priority financing right, the release within five years, or the sale of no less than 10%, it all shows that everyone is truly making friends.

Even at this point, they also knew that Wang Chengguang had bought a large amount of Apple products, and he had publicly announced his optimism about Microsoft through Gu Jingjing's Weibo post.

Wang Chengguang shook his head. "I plan to buy some Amazon and give it a try. It is the North American version of China's Taobao, Penguin Paipai and JD.com. It has a promising future."

Vice President Xu was slightly surprised and thought for a few seconds. "4 million US dollars can buy about 2% of Amazon. But if it's more, you have to be careful. The blockade of us over there has never stopped, whether it follows the rules or not."

Wang Chengguang thanked him with a smile, of course he knew.

It’s the same whether it’s Adong Future or Huawei.

4 million dollars, now I can only collect between 1.5% and 1.8%, not an integer.

After he sent Vice President Xu away, Wang Manni, who continued to pretend to be Gu Jingjing and act as his secretary, came over and said, "Xu Hongdou has something to report. It is said that around the Spring Festival, we launched a nationwide anti-thief campaign to help the police catch thieves. So far, more than a dozen people have been injured in Beijing, including more than 20 people who were threatened and retaliated against afterwards."

"There are even more people outside the capital, and they are still being counted. Now that the Spring Festival travel rush is over, should this charity be stopped?"

"Will she go on our behalf to visit the injured and those who have been retaliated against? We've seen those in the capital, but what about those in other places?"

Wang Chengguang suddenly realized that this was a big deal. It was just that the business wars with Jack were too frequent. The public welfare campaign of catching thieves on the entire network was also drowned in the wave of boycotting Taobao and Zhifubao, which were absolutely controlled by the devils. It was almost drowned out, at least there was no big news.

"What is the most serious injury? Bring the detailed information from Beijing first. Those who should use the fund to compensate should be pushed forward as soon as possible. Those who are threatened and retaliated against..."

This can only mean that the thief teams from all over the world are still underestimating the power of the cooperation between the Spark Group and various universities? ?

On January 1, Li Qian, a secretary at Dade Huitong, was followed and threatened with a razor blade that killed rats. Everyone did a great job. Li Qian received a total bonus of 22 yuan, was promoted and received a salary increase, and became the envy of countless ordinary employees at Dade Huitong.

This is 5 yuan, which is not a small amount. Compared with the long-term salary increase, it is just as good!

She also became famous because she was the first person to be exposed as being retaliated by a thief in a charity event. She gradually gained more than 100,000 fans and became a small internet celebrity.

The thief team that threatened her? They were all put in jail. With a reward of 10 yuan offered by Dade and the support of Beijing Institute of Technology, do you think the institute is capable of taking action?
It's just that things happened step by step, followed by the public beta and a series of battles in February, and there was no extra topic to show the whole network the follow-up.

………………

An hour later, Wang Chengguang took a car to a hospital in Beijing, his heart full of emotion and confusion. More than a dozen injured people were now staying in one hospital. At least in terms of external injuries, they were among the top three in Beijing.

Among the dozen or so people who were injured while bravely helping to catch thieves and stop them from stealing, 90% were college students, and only two were members of the public.

The most serious case was a result of being stabbed several times, all with small knives that did not penetrate deeply into the flesh… As I said before, experienced knife players, habitual criminals and veteran thieves look down on purely violent robberies, as they understand very well that stealing and causing serious injury to others are two different things and are of two different natures.

If you are imprisoned for theft, as long as it is not a major crime, you will be sentenced to a few months at most and then be released.

It has been many years since the incident caused serious injuries to others.

Unless they push the other party into a rage and hurt or retaliate against the brave actor, they will also have a plan in mind. Among the dozen injured, the most serious were knife wounds that healed completely in a few months and at most left scars. The lighter ones were bruised and swollen faces or had minor fractures.

After expressing his feelings, Wang Chengguang smiled and said, "These people should be treated well, and their bonuses or other benefits should be increased, including some invisible benefits, which should also be promoted more."

It would be better if there were more good people in the world!
Wang Manni nodded. "I have asked people to contact various universities. They have also said that they will issue outstanding student honor certificates to those who have bravely performed heroic deeds. These certificates will give them extra points in the future, whether they are looking for a job or taking the civil service exam."

Wang Chengguang nodded. "For graduates who are about to graduate, if the situation is similar, they will be given priority to be admitted to the Spark Group. If they want to become internet celebrities and make profits through other channels, the group will also give them special care. Only when every link is done steadily can this kind of charity activity be considered successful."

He is now working with Xu Hongdou to visit and comfort those who are injured or hospitalized in Beijing. If there are more people, Xu Hongdou can only run more errands and visit the injured in various provinces.

Of course, bonuses, subsidies and compensation will be distributed as soon as possible.

After thinking for a few seconds, Wang Chengguang added, "Go contact the major real estate groups and see if there are any willing to sell small-sized houses at a low price. If they are willing to sell their houses at a discount, we will help the seriously injured people apply for two types of mortgage loans to buy houses."

It’s just an ordinary bonus, including medical expenses and honors awarded by the school. It’s not bad, but it’s not eye-catching enough!
Xinghuo can afford to give a house directly, but it cannot do so directly, otherwise there will be an overabundance of scripted false acts of bravery, and any playboy can hire thugs to tease beautiful women and act like a hero saving the beauty.

Helping the injured to apply for down payment loans and mortgage loans for 10 to 20 years requires home buyers to repay their debts, and buying houses at low prices with broken bones is a mutually beneficial and win-win situation. Real estate companies will definitely be happy about it, as it can run big advertisements and create a bigger gimmick.

Wang Manni was dumbfounded, "Will you give me houses as gifts in the future?"

Wang Chengguang was speechless. “They only sent the injured group now. They didn’t know beforehand, and they had to remind netizens many times afterwards that there were no houses left. Only this group of people have been hospitalized. They are like winning the lottery. They didn’t even think about having a house when they acted bravely.”

(ps: Chapter 169 was blocked, I am asking the editor for help, it’s Saturday, if the blockage doesn’t count as continuing to update 27 chapters a day, I have persisted for days.)
(End of this chapter)