Digital Kingdom

Zhao Ziming sat in the car and relaxed, while the turtle crane Yannian jade played with the pieces in his hands.

The black Audi drove smoothly, and under Wei's skillful driving skills, it was almost impossible to feel the action.

The new year is not over yet, and the entire group has begun to operate at full capacity.

Liu Zhaoxing first arrived, and in just a dozen days, he used two major cases to establish the prestige of the Ministry of Supervision.

Chai Gui, deputy director of the game business department of the brilliant company (Game platform), falsely reported the meeting expenses and was suspected of occupational occupation. The police have accepted the report and started a criminal investigation.

Su Guang, the deputy manager of the Department of Commerce, had serious violations of major conflicts of interest, and was suspected of seeking personal gain from game channel merchants in disguise. Suspected of commercial bribery, he has been transferred to the police for handling.

Liu Zhaoxing used big data analysis and found that the conference expenses of the'game' group over the past year obviously violated the "normal curve". Once the investigation was verified, the prototype was revealed.

And Su Guang’s disciplinary and law-breaking clues come from data analysis in forums, post bars, and games. If you don’t know it, the briber will not keep it secret unless you do it yourself.

Choosing these two small and small positions as targets is neither too shocking nor vigilant. Zhao Ziming is still very satisfied with Liu Zhaoxing's overall outlook and professional ability.

Anti-corruption does not mean that we should make drastic efforts to eliminate evil. After all, enterprises are not agencies. Development is the first. The existence of the Ministry of Supervision also serves the company.

If the group company becomes turbulent and the Ministry of Supervision becomes more prestigious and does not create any value by itself, it will do more harm than good to the development of the enterprise.

Only by grasping the balance can it run smoothly.

Zhao Ziming looked at the flow of people and cars passing through the window. Shanghai is really a charming city, full of vitality, and his thoughts turned back to the conversation just now.

Li Yu was in charge of the company at the beginning, and was full of ambitions and was ready to show his fists.

At the beginning of work, he reported to Zhao Ziming about his work ideas for the whole year to seek his support.

After listening to Li Yu's overall plan, Zhao Ziming couldn't help feeling emotional, no wonder he passed Shen Yiyi and directly reported to him, otherwise, Shen Yiyi might be killed halfway.

Once the emperor and the courtier, Li Yu really dares to think and do.

Regardless of the face of the immediate boss, as soon as he took over, he formulated a new development strategy for King Long, changing the troika proposed by Shen Yiyi into the four major driving forces (microfinance, consumer installment, robo-advisor, and commercial credit).

If Li Yu is just talking nonsense, the key is to be well prepared and organized, and Zhao Ziming who listened to it was heart-warming.

Li Yu proposed two major adjustment directions for existing businesses.

One is to further expand the business of the cloud risk control service platform and intervene in the commercial credit market.

Because of domestic personal credit inquiries, the most authoritative is the personal credit report of the People's Bank of China Credit Information Center, but the inquiries are quite cumbersome and incomplete, and do not involve data outside the bank.

Li Yu proposed that Golden Dragon can use its accumulated data and technical advantages to provide customers with more convenient and free credit inquiries through the Internet, and use this as an opportunity to promote the establishment of a social credit system.

The other is the direction of robo-advisors, from 2C to 2B, shifting from customers to merchants, and can work with companies such as Didi, Volkswagen, and Meituan to manage assets for their employees.

Working on the B-side is a win-win option for companies like Golden Dragon and Meituan. Meituan can avoid legal disputes and rider protests (five insurances and one fund), while Golden Dragon has acquired customers and expanded its asset management scale.

It can be said that Li Yu's two proposals completely amazed Zhao Ziming. He could not even think of it.

"The commercial credit market is huge, and robo-advisors are turning to 2B." With this vision, Li Yu can be the president and deserves his name.

Naturally, Li Yu didn't shout slogans and give directions, but gave a detailed solution.

Taking commercial credit as an example, the initial period is free, starting from two aspects, "providing credit inquiries and providing unified account asset management for customers with multiple bank cards."

For the former, users can recommend the best credit card and loan services under the existing credit, and collect fees from the B side.

Using big data and artificial intelligence to improve the level of credit analysis will not only serve Internet finance companies, but also provide credit services for all banks, credit, consumer institutions, and service organizations.

For the latter, once the customer hands over asset management to King Long, King Long can intervene in the entire Internet finance business (consumption installment, robo-advisor, microfinance, etc.).

Thoroughly break the boundaries between various business sectors and dig deep into users.King Long has outstanding advantages in the field of ANI (Artificial Narrow Intelligence), that is, "weak artificial intelligence" (artificial intelligence limited to specific fields). ANI can play a very strong supporting role in credit management and is now a powerful tool for intelligent asset management.

Zhao Ziming admired Li Yu's thinking. This kind of ambitious and down-to-earth thinking fits his taste very well, and it suppresses the dissatisfaction of leapfrog reporting.

In corporate governance, several levels are set up to reduce workload. Whether in the workplace or in the officialdom, leapfrogging has always been a taboo.Can't bear the rigidity brought about by multiple levels, and haven't enjoyed the corresponding benefits.

However, for Zhao Ziming, talents have the privilege to break these rules. The system is established for the convenience of management and company development, not the other way around.

Since Li Yu has this talent, he doesn't mind pushing it, even if it is Shen Yiyi who is stepped on.

Li Yu even put forward the concept of a social credit system, integrating credit thinking into capital management, taking the post-80s and even post-90s as the main customers, making long-distance running plans and in-depth education of customers.

Let them understand that credit is not for inquiries, credit needs to be maintained.Emphasize the relationship between credit and loanable capital, understand that loanable capital is also an asset, so that young people can learn asset management from the beginning.

Introduce the concept of "gamification", make every consumption related to credit, and cultivate the habit of conscious maintenance and upgrading of users.

Seeing Li Yu's vigorous and energetic aspirations, Zhao Ziming was very pleased. After these two years of training, a general with a broad vision and strong execution ability has finally matured and can be alone.

Zhao Ziming expressed his affirmation on the spot, and let Li Yu let it go, and took the initiative to take over the work of persuading Shen Yiyi to ensure that he would not be delayed.

Zhao Ziming has always fully supported the plan approved by him. From Shen Yiyi, Gu Shaoze to Li Yu, there has never been a change.

Of course, the leadership’s support is not given in vain, and trial and error costs a lot. It can even be said that once it fails, there is no room for turning over.

"Zhao is here," Xiao Wei's voice came, interrupting his thinking.

"Come and pick me up tomorrow", Zhao Ziming got off the car.