Chapter 234 Super Plus Spark Payment

Gu Jingjing's circle of friends' advice on buying stocks went viral on Weibo. December 12th is a good date because it is a weekend.

As Wang Chengguang continued swimming, he said to Da Miaomiao, "Send a message to Jingjing, telling her to calm down. Shuanghui Development is rising too fast now. It's not appropriate to continue to invest blindly. Don't mention Moutai."

Zhong Miaomiao did some simple operations, sent a WeChat message, threw her phone into the water, and said, "It's so cold... It's so cold for you to do morning exercise or winter swimming, give me some warmth."

The food supplements and medicinal foods taken by Zhong Miaomiao and others are actually more advanced than those taken by Xu Hongdou, Jiang Nansun and Zhu Suosuo. It cannot be said that Da Miaomiao is also immune to cold and heat, she is not at that level yet.

She complained that the outdoor water temperature was too cold in winter, which was considered as acting coquettishly.

………………

Gu Jingjing updates her Weibo very quickly. Even if she has fallen into a deep sleep, her good sister Wang Manni will take over.

Wang Manni quickly posted a blog after receiving the WeChat message, "I didn't expect that the investment advice I gave to friends and relatives in the early morning of November 11 would be posted online at this time. I suggest netizens not to blindly trust investments. Shuanghui Development has risen too fast, and it is not recommended to hold it in the short term."

From November to now, Shuanghui Development's market value has increased from 11 billion to 300 billion in just one month. However, this still does not mean that Gu Jingjing's circle of friends has raised billions of dollars for investment in such a short period of time. It is the original trajectory of Shuanghui, which was from 400 billion in November 2010 to January 11, and then broke through 300 billion in market value in such a short period of time.

然后双汇是跌了2011年和2012几乎一年半，长达一年半三四百亿市值，2012年夏暴增至700亿人民币，到2013年就冲破1000亿了。

These are related to the continuous investment in factory construction and the acquisition of Smithfield Group, the world's largest pig farming company.

If you bought shares when the Asian Games opened, when the value was less than 300 billion, you would have bought at the bottom. After this wave of sharp increase, if the value falls for one or two years, you would not lose money and you can wait for the value to triple in three years. But on December 12th, if netizens bought at the bottom, they would be buying at the peak and waiting to be stuck for one or two years.

Following Gu Jingjing’s Weibo updates, the Internet exploded again.

Countless netizens gathered under her Weibo, crying and rolling on the ground with emojis asking for more advice. They discovered a new opportunity to make money...

Too late? It's too late to get on the bus? This is so wrong.

However, some smart netizens found that Gu Jingjing only recommended not to buy Shuanghui, but what about Moutai? Moutai missed something? ?

Smart netizens have already collected money to buy Moutai at the bottom!

The official Weibo account of Moutai is @顾菁菁, "Thank you, Mr. Gu, for your confidence in our Moutai enterprise. If Mr. Wang likes to drink baijiu, we will send a few trucks to him right away~"

Why is Moutai so much more expensive than Wuliangye and its market value has doubled? It’s not that the wine of this company is really that valuable or delicious. At least compared with brands like Wuliangye, no one can suppress or beat anyone else in terms of taste or value.

It means that the hype and marketing capabilities are stronger.

Similar to Wang Chengguang who started out by hype!

Wang Manni did not reply again and just disappeared. This wave of reminders about getting rich, in addition to gaining more favor from Gu Jingjing, can also be regarded as an invisible promotion of WeChat benefits.

At this stage, WeChat's dominance and dominance in the mobile phone sector has firmly established itself as the dominant position. Even if Pony Ma has returned his focus to the mobile Penguin account, the fact that WeChat has more than 2500 million users who have linked their bank cards is the most intuitive data proof.

Users have even linked their bank cards to WeChat. Is there anything that can better demonstrate their trust in WeChat? Mobile Penguin has only 300 million card-linked users so far.

WeChat accounts for more than 80% of various Ele.me and JD.com errands, including online and offline payment consumption.

In an era with more and more smartphones, more and more people are opening 3G signals. Pony Ma has been working hard, but WeChat's lead is still very stable.

These high-end players and wealthy people advise their friends on investment and financial management in WeChat Moments. As long as they make money, it will be a big stimulus for all netizens! !
In fact, in just less than a month, the market value of Moutai increased by 10 to 20 billion yuan, and Shuanghui Development also increased by tens of billions.

Soon, a netizen posted a post giving an example, "Take Shuanghui as an example. If you listened to Mr. Gu's advice and invested 300 million in a company with a market value of 100 billion, and Shuanghui increased by 100 billion in one month, you would have invested 100 million and made more than 30 with tears and blood..."

"I don't make that much money from Moutai, but it's not hard to make 100 yuan from 6 million yuan a month. I beg for the chance to become Teacher Gu's WeChat friend!"

"I won't ask how many relatives and friends Teacher Gu has in real life, I'll just ask how much the teacher and his students have earned? You don't have a million, but if you have ten thousand you can still make three or four thousand. You can win three or four thousand yuan in less than a month."

Ten thousand yuan is not easy for ordinary workers who live paycheck to paycheck to paycheck to paycheck, but there is definitely no shortage of people who can scrape together that amount among teachers at Normal University.

When some netizens gathered at the official Weibo account of the Normal University to ask questions, Professor Ren, who was Gu Jingjing's graduate student and was recognized by Weibo, posted a message saying, "I am lucky to have Jingjing as my graduate student. I bought 100,000 Shuanghui shares last month and made more than 30,000. I will wait and see how much more I can make. I think Jingjing can switch from being a graduate student in education to teaching finance."

Are there real professors from a normal university who follow their students’ advice and buy stocks to make money, easily making tens of thousands? ?

Students from all majors including education and finance at the Normal University cried, and this brought about a huge trend.

………………

The internet was full of noise, but it didn't stop Wang Chengguang from going to work. When he arrived at the Spark Building, the front desk clerk on the first floor greeted him with a smile, and then a girl reported, "Mr. Wang, ICBC Vice President Xu is here, waiting on the sixth floor."

Wang Chengguang nodded in understanding and quickened his pace a little.

Vice President Xu is probably targeting the Huabei and Jiebei projects that have been brewing in the WeChat payment app for a long time. This really requires ICBC to provide ammunition, including a lot of loan accounting personnel, including how to collect debts from those who refuse to repay.

For this big project, we still have to promote Huabei first. As long as the payment users bind their ID cards, bank cards and mobile phone numbers, and conduct a clearer data review, we can provide the other party with a Huabei credit limit of 300 to 500 or even 1,000 yuan a month for emergency assistance. This will be of great help to many students and those who live paycheck to paycheck.

Before traveling through time, Wang Chengguang had also used Huabei's credit consumption for a year or two to save money at the end of the month when he was in a difficult situation. When you are in society, you never know when you will be embarrassed, and you don't have to ask your friends for money again and again...

It saves a lot of embarrassing problems.

At the current stage, the Xinghuo payment APP, when opened, mainly has the Xinghuo online store embedded in it, including JD.com, as well as Ele.me and JD.com's various consumption projects.

Paying phone bills and recharging gas, water and electricity are also basic operations.

This is completely different from WeChat's social networking with friends and acquaintances, as well as nearby people and strangers. The Xinghuo Payment APP can be regarded as a comprehensive retail supermarket plus platform.

There is no built-in Big Penguin Paipai platform, but the two major food delivery platforms are not small projects! Jack Ma's Ele.me and Dongzi's Jingdong Paoer also have their own app clients. As for which one netizens are used to and like to use... it all depends on the willingness of netizens.

By the way, the battle between Big Penguin and 2010 still happened in 360, but the intensity and intensity of the competition was far less than the original track. Since the battle on the payment side ended, Pony Ma's work focus has shifted to payment.

The two major issues of payment and mobile phone manufacturing distracted Pony Ma too much of his energy from 2009 to 2010, so 360 rose to prominence with the help of free antivirus software, and also developed a PC user base so large that it was comparable to Penguin.

Brother Xiao Ma is too lazy to even criticize him seriously.

Everyone is running towards the mobile terminal, and the PC cannot be said to have given up. However, the habits of netizens that have been deeply rooted in Penguin for so many years, at least in the chat project, are not something that 360 can easily challenge.

In fact, 360 seemed to be challenging Penguin in the PC market in 2010, but in fact, the two are not in the same dimension. Free antivirus software is something that anyone can do as long as the big companies learn it...

Therefore, after 360 went public, its peak market value was more than 3000 billion yuan, but within a few years it fell below a few tens of billions.

After Wang Chengguang met Vice President Xu on the sixth floor and led him into his office, Xu Xing smiled and looked out at the beautiful scenery of the Summer Palace not far away, clapping his hands and saying, "Boss Wang, your headquarters is finally completed. From now on, when I look out at the garden view while working, I will feel much more cheerful."

“When will our Spark Payment be launched to replace Huabei, which has the credit card function?”

Wang Chengguang poured him a cup of tea. He was also a major shareholder and a close comrade-in-arms. "I plan to launch it on New Year's Day. Spark Payment has been running stably for so long, but it seems that the Huabei project does not need internal testing."

"As long as netizens register and verify all kinds of real information, 90% of them will not deliberately default on their debts with a credit limit of 300 to 500 yuan. However, we still hope to open up a personal credit communication channel with the bank."

Vice President Xu nodded, "That's definitely no problem. Although the personal credit reporting system is led by the People's Bank of China, we are all backed by CIC, so there will be no obstacles in the connection."

The personal credit system is the easiest way for netizens to avoid these 300 to 500 yuan of credit consumption, including one of the major bases for the future Jiebei project. In reality, if you want to buy a house and apply for a mortgage, it will be difficult for ordinary people to apply for a mortgage if their personal credit is not up to standard.

A slight change in foundation can have too many impacts.

Regardless of whether it is Huabei or Jiebei, ICBC has spent a lot of money to connect with them. After all, it is just Xinghuo itself. Even Xinghuo Payment has not hoarded hundreds of billions of dollars for netizens across the Internet to consume and borrow on credit.

To put it bluntly, no matter the original track Zhifubao or the current Xinghuo, it is just an intermediary platform connecting banks and netizens!

Huabei is a loan borrowed by netizens, and no interest is required if the money is repaid within one month. Interest starts to be calculated if the payment is overdue. As for how to urge repayment, Wang Chengguang's Xinghuo Payment basically does not participate, and it mainly records the transactions of personal credit data.

If ICBC alone cannot handle the situation, it can involve other banks. After all, this is replacing their credit card departments with the Internet.

Wang Chengguang can copy the original WeChat and Zhifubao models to complement each other in terms of various general ideas and details. Of course, he can't use the power of the platform like Ma to leverage trillions of dollars from many banks...

They can no longer keep the profits they earn, so they pass all the risks on to the banks.

Overall, Wang Chengguang has done a good thing by playing this project. It makes it easier and faster for all people to use credit cards and loan projects, and does its best to facilitate the people!

Even with Jiebei, when you go to the bank to apply for a loan, you are asked to deal with countless documents and wait. When applying for a mortgage, you don't even have time to read a bunch of contract documents clearly. But with Jiebei as a whole, as long as your monthly cash flow is clean and beautiful.

Use Xinghuo Payment and Huabei more often to increase your credit limit. When you want to borrow money, you basically agree to sign the contract online, and the funds will arrive quickly for emergency use.

The biggest negotiation point between Xinghuo and ICBC was the loan amount. The bank wanted people who had cars and houses and other real assets. Wang Chengguang was striving for a salary card that could provide a stable income of four to five thousand yuan a month, so that if he spent money frequently, he could easily borrow several thousand yuan in an emergency.

The business negotiations continued until the afternoon. After he saw off Vice President Xu, he received a report from Gu Jingjing, "The belt brother from Evergrande said that several Hong Kong businessmen want to raise funds for Spark WeChat and Payment. They want to offer 40% of 10 billion US dollars each. This is the highest offer among all the capital that has come to invest in such a long time."

According to the previous offer, it is indeed the highest. Spark WeChat alone is 200 billion US dollars? That is equivalent to 1368 billion RMB, and Spark Payment is also 200 billion US dollars?

Adding these two together... adds up to the combined market value of most of WeChat, Zhifubao and Meituan in the original trajectory.

After all, Jack Ma is unlikely to make a statement in this dimension in the next few years. If you use Ele.me, you cannot use JD.com to run errands. Jack can use Ele.me to rise again as a billionaire.

But the confidence and background on the trading side are several levels lower.

As long as netizens use the Xinghuo Payment APP, they can switch between Ele.me and JD.com at will, and compare different platforms in time to see if there is any price difference for the same dishes in the same restaurant, so they will not be easily taken advantage of by big data.

To find out which platform is offering promotions or selling discounted dishes, you can log in to the payment app and compare the prices.

When netizens have become accustomed to Spark Payment and Penguin Payment and have formed a huge inertia, Jack's intention to re-enter the payment field will be ignored by netizens out of inertia.

Wang Chengguang smiled and said, "Keep refusing."

Evergrande has been listed for more than a year, but its market value is still not as high as when it was first listed. It’s just that Brother Belt likes to spend too much money, and the dance troupe has been established for quite some time.

You brag that it is the pursuit of artistic development...you are fooling people.

After rejecting this, Wang Chengguang said again, "Post another Weibo saying that on January 2011, 1, Xinghuo Payment will launch a new version and open Huabei, which is a platform connecting banks and netizens, acting as a middleman to help those who spend money moonlight or students save money at the end of the month."

"You don't have to ask people around you for money all the time. Let's make rational advance payments."

Gu Jingjing complained, "Why didn't you launch it a few years earlier? I also borrowed money at the end of the month when I was in college. It was so embarrassing and awkward every time."

………………

Pengcheng, the headquarters of the Big Penguin.

When Dongguanzi came to Xiao Ma's office with his phone, he said, "Xinghuo Payment has made another big move. It will fully connect with the credit card business of all banks."

Pony Ma couldn't help rubbing his forehead. "It's okay, just copy it! We've copied it so quickly, but when users habitually consume, only a dozen percent use our mobile Penguin or Q-letter payment. If we are all like this, then if Baidu, 360, or in the future Ele.me and JD.com become big and want to get in on the action, there will be no market for them."

Users’ usage habits are really scary. In the past, they were often scolded for plagiarism, but now Wang Chengguang doesn’t care and Xiao Ma Ge is more relaxed.

(End of this chapter)