Internet 2010

After Lu Zhou and Wang Bo chatted, Wang Wenjun approached him and made a report on the payment business.

Lu Zhou looked at Wang Wenjun and asked solemnly again, "So, Menggu Advertising and Menggu Cloud may involve illegal payments?"

Wang Wenjun once again assured Lu Zhou, "Yes, Mr. Lu. Although the first batch of payment licenses have not been officially issued, it is true according to the new regulations of the central bank. Not surprisingly, if Menggu cannot successfully carry out third-party business in the future, then It will cause unnecessary trouble."

"Like a fine?" Lu Zhou asked.

Wang Wenjun nodded after hearing this.

After hearing this, Lu Zhou felt relieved. The first batch of companies will be gone next year. In his impression, the three major operators, NetEase and Qiandu, have not obtained this batch of licenses. But business should continue as usual.

Obviously, for some violations at the moment, the regulatory authorities should turn a blind eye for a short period of time.

Even if the punishment is increased in the future, there will still be many Internet companies operating "without a license" and being fined and rectified. There are many large Internet companies such as Meituan and Ctrip.

A fine means the loss of a portion of the profits, but if the business does not develop, it means that the lifeblood is lost. No wonder the Internet companies are so mad.

According to Wang Wenjun, the balance recharge involved in Menggu advertisements and banana built-in wallets are regarded as illegal operations and illegal operations. In particular, Menggu advertisements have deposited a large amount of funds on the books due to the account period.

Lu Zhou said to Wang Wenjun, "If you violate the rules, you will violate the rules. If you need to pay a fine, you should cooperate, and you need to rectify it. It is unlikely that Menggu will get the first batch of licenses next year. But you can't directly lose the financing of the payment company."

Wang Wenjun sighed in his heart again, accompanying the king is like accompanying a tiger. The company's business development urgently needs payment business support, but there is no license, and even in the next year, it is still in the foreseeable future.

In this case, a small-scale violation may be innocuous. But if the rectification hurts the fundamentals of the company, he absolutely believes that Lu Zhou will take him to "sacrifice the sky" in minutes.

Walking on thin ice, this is Wang Wenjun's situation.

"Mr. Lu. One more thing. Menggu's payment of 30 million yuan is only the minimum threshold. Please make sure to make the next round of financing as soon as possible before Menggu's payment completes the structure."

Lu Zhou nodded, and he didn't expect Wang Wenjun to solve the problem if he really had the ability to 30 million yuan. This third-party payment license may be priceless in the future.

"Well. I'll make arrangements as soon as possible."

Then, Wang Wenjun presented another report.

"Mr. Lu, this is a report on the development of the domestic online loan industry.

In fact, the industry has been around for a few years, but it has always been very small. This year, a group of entrepreneurs came in one after another.

This also includes the Ali Finance subsidiary that Ali has already established.

In my opinion, now is a good time to enter the industry. After the establishment of Dream Valley Payment itself, it is also urgent to seek profit points other than payment..."

Lu Zhou interrupted Wang Wenjun directly, "There is no need to introduce the previous one. You can directly tell the result."

"Okay Mr. Lu. At present, the executives who have already put Menggu Payment in place have proposed a 'flow loan' method."

"Oh?"

Lu Zhou was stunned. At first, he thought that Wang Wenjun was going to mention ordinary personal loan business, or the "usurious loan" of the gods.

If it is such a business, Lu Zhou still has to weigh his ability.

But as soon as the "flow loan" was exported, Luzhou became interested.

Wang Wenjun said, "This is the plan formulated by Menggu's first executive paid for Menggu's advertising business. Please turn to the ninth page.

This business will be aimed at developer teams and companies within the Dream Valley ecosystem.

In terms of model, the basic qualifications of the applicant are first judged by the central bank's credit data, and the decision to decentralize the loan is based on the applicant's advertising fees and consumption flow in Menggu Advertising and Menggu Cloud.

Taking a developer's average monthly advertising revenue of 10,000 yuan in the past six months as an example, the credit line ranges from 10,000 to 120,000 yuan. After the general credit loan is issued, the lender will repay the corresponding loan month by month.

For those who purchase server resources in Menggu Cloud, they can pay the corresponding payment with the credit line. In this part, we can make appropriate profits and do it in the form of 30-day interest-free. Interest is calculated on a daily basis for the part that exceeds the number of days.

The base rate is slightly higher than the base rate. "

When Lu Zhou heard this, his eyes lit up. This Dream Valley pays new executives a little something.

The access of the central bank's credit information at this stage is a troublesome matter. If it is arranged, the lender can only apply to the local PBOC's credit center for printing and uploading.

Undoubtedly, the developer's own ability to make money in Dream Valley advertising is the fundamental.

Lack of money is a headache for most start-up entrepreneurs.

In the Dream Valley ecosystem, the top application developers have the support and incubation of the Dream Creation Program, and the middle part also has corresponding traffic support to varying degrees, but there will be no more if you go further down.

Precisely, this microfinance business complements this "long tail" very well.

The developer's application integrates the advertising module to make money here. If you are short of money, you can borrow a loan from Menggu and put it into production. The scale has expanded and you can earn more in Menggu. This implicitly contributed to a win-win situation.

What? Do you owe money? That is impossible. not return? Do you want to take the money from the Menggu account next month, and do you want to mix in the Menggu ecology in the future?

Thinking of this, UU reading www.uukanshu.com Lu Zhou can be considered to sort out the problems before and after. In this business model, the only problem that needs to be solved is the data.

The daily flow of the developer's application, the fluctuation of the download and operation data of the application itself, the server usage, etc., this part of the data needs to be handed over to Fang Qiang and Wen Xuwei to jointly bring out a data analysis system.

The rest is handed over to Menggu to pay to issue loans and return funds.

He clapped his palms, "Okay!"

Wang Wenjun went on to say, "The planned budget is 15 million, accounting for 50% of the total funds paid by Menggu. The first batch is expected to cover about 200 to 500 people. The credit payment of Menggu Yun can be slightly relaxed. ."

Lu Zhou nodded and said, "Do what you can. Dream Valley doesn't have much money. We will continue to open our business scope in the future.

This matter, you arrange to report it to the directors as soon as possible, and we will implement it immediately at the recent meeting. "

After waving to Wang Wenjun to go down, Lu Zhou fell into deep thought again.

There is no problem with the "flow loan" model. But relying on such a piece of business alone, Menggu Payment will always have a day when it "cannot eat enough".

What to do after "not enough to eat"? Lu Zhou released another beast from the flood?

He shook his head, the wind was getting stronger and stronger.

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