My Fintech Empire

Quiet Villa.

Tian Jiayi came to Fang Hong with a document and reported: "WeChat's listing process has moved forward one step further. The last financing plan in the primary market before this IPO has been finalized and is expected to be completed within December at the end of the year. .”

Fang Hong took the file and browsed it. Now WeChat is actually not short of money. Its own profitability has strong monetization capabilities, its revenue is growing rapidly, and it is supported by Qunxing Capital, so there is no need to worry about running out of money. things.

But before going public next year, it is still conducting its last financing plan in the primary market, and the financing scale far exceeds previous financings, reaching a huge financing scale of 70 billion yuan, and the valuation is still based on 350 billion yuan, compared with The market-recognized valuation of 500 billion is 150 billion lower.

Not only does it provide ample room for future premiums, but it also specially drives the last bus for it and reverses it properly to pick up people, which already shows that the mechanism for "getting on the bus" this time is extraordinary.

That’s right, the institution “getting on the bus” this time is a bank.

Moreover, the four major banks made a strategic investment together, each holding 5% of the shares, which means that the four major banks took 20% of the total equity of the company owned by WeChat.

The previous shareholders have no objections, just look at the shareholding structure.

The largest shareholder of the company to which WeChat belongs is Quantum Beat, which is the controlling shareholder, followed by China Unicom as the second largest shareholder, then Xincheng Local State-owned Assets Institution as the third largest shareholder, and now the four major banks are tied for the fourth largest shareholder.

This lineup is too rich to have any friends in the series.

However, Qunxing Capital does not directly hold equity in it, because Qunxing Capital controls Quantum Beat, which is equivalent to indirectly controlling WeChat. Naturally, there is no need to directly hold shares.

Fang Hong looked at it for a while, put the materials aside and said smoothly: "Just proceed as planned."

When the four major banks got on the bus, they strategically invested in the company. The bank is now unhappy with Xinbao, because while the rise of Xinbao has made things convenient for the people, it has also really moved the bank's cheese.

This time, Fang Hong reversed course and took over the bank's strategic investment. On the one hand, he wanted the bank not to give WeChat eye drops in the future. After all, he was one of the major shareholders, and the bank took away 20% of the cake.

On the other hand, you can put some eye drops on a baby. After all, he is very unhappy with a baby in the first place.

After a while, Fang Hong changed the subject and asked: "Has the big data of each subsidiary been connected?"

Tian Jiayi replied: "It has been opened. According to your plan, the relevant companies have already started linking up. Moreover, the charter qualification license of the public welfare fund has also been issued."

Those subsidiaries of Qunxing Capital, especially subsidiaries such as Quantum Beat, Yixing Media Group, Xingyu Technology, Quantitative Capital, and Ruihe Pharmaceuticals, if it were not for the common parent company of Qunxing Capital, they would like to open up data between each other. Sharing is almost impossible.

The data between companies are very precious and will not be easily used by others. Even if there is cooperation, there will be a long period of bickering. If a consensus is really reached, the opportunity may be missed.

But this situation is not a problem for Fang Hong. These companies are all under the system of Qunxing Capital. They are absolutely wearing the same pair of pants and have the same "father" on them. If they want to be linked, they can be linked quickly.

Fang Hong nodded when he heard this and immediately ordered: "Then run this charity organization as soon as possible and raise funds from all walks of life."

…

At the same time, after WeChat announced its entry into the payment field in the morning, netizens discovered that WeChat on their mobile phones showed that a new version could be updated that day, adding payment codes, WeChat wallet and other functions.

Users have also updated to the latest version and begun to study these new applications. There are also many bloggers who are the first to experience it and write articles to express their experience.

Among them, the function that has attracted much attention and has been studied the most by netizens is the "pay credit" function. Everyone is looking at their credit points. The first and most concerned thing is what the credit points do.

The currently launched function is in the public beta stage. Every WeChat user has received an invitation. There is no invitation code. Just click Apply to agree to join.

During the public beta period, cooperation has been finalized with partners in many fields such as car rental, house rental, marriage and hotel, etc. to provide experimental services.

Users were surprised to find that almost all the Xingxing family buckets are in it, such as Ukomang, a representative of the sharing economy, Jiuzhouxing, a taxi-hailing company, and all hotels operated by Huayang Group. They can directly use it without paying a deposit. To check in, the prerequisite is that your credit points reach the corresponding level standards.

Similarly, Zaijingdong has also accessed the system. Users who shop online on this platform can directly place orders first and pay later as long as their payment credit points meet the standard.

The same goes for Xingyu Technology. If your credit points meet the standards, you can take the phone away without paying. The same goes for recharging your membership on the Yixing Video website. If your credit points are high enough, you can directly recharge your membership. Pay later.

Another item that has attracted much attention is the credit life in the medical field. The payment credit system on WeChat has also been online in the medical field in advance. Star Capital is planning to invest in the construction of a hospital. It has just been promoted now, but the payment credit system on WeChat has already been launched. Include medical services as well.

As long as your credit points reach a certain level, you can enjoy the "diagnose first, pay later" service, which covers all major and minor illnesses. The difference is that it is divided into multiple tiers.

First, the lowest credit score level is to meet the standard of "diagnosis first, pay later", and then there will be a quota. The higher the credit score, the greater the quota you can enjoy.

For example, the credit points corresponding to the lowest level are those with a fee of less than 1,000 yuan and can enjoy the "diagnosis and treatment first, pay later" service. The next level is those with a cost of less than 5,000 yuan and can enjoy the "diagnosis and treatment first, pay later" service. That is, if you spend less than 10,000 yuan, you can enjoy the "diagnosis and treatment first, pay later" service, and so on.

In other words, the higher the personal credit score level, the higher the limit you enjoy.

The maximum amount can reach 500,000 yuan.

As long as your personal credit score reaches the corresponding level standard, even if it requires hundreds of thousands of medical expenses, you can get medical treatment first and pay later.

Overnight, everyone began to study how to improve the "payment credit" points level on WeChat. Major communication groups and forums were also studying and discussing, and some experts soon released a strategy guide.

Payment credit is mainly divided into four major items: asset certificate, identity certificate, behavioral accumulation and performance record.

Each of these four major items has a weight distribution, which together determines the level of personal credit rating. The more complete the real information reported by the user, the faster and higher the points will be upgraded.

Asset items are mainly real estate, cars, cash assets, etc.;

Identity items are mainly academic qualifications, ID cards, work information, etc.;

The behavioral accumulation items are mainly based on the aggregated data of users in mobile payment, shopping, life payment, credit card repayment, charity and other scenarios, and these are very important for the point evaluation of users with fewer contract performance records.

The performance record item, as the name suggests, is to see how a user performs the contract. If there is a default, it will greatly damage the credit. Just one default will cause the credit score to plummet, and it will cost a lot to recover later.

As soon as the new function was launched, netizens were eager to study how to improve their credit score level, because the related services are very rich, very convenient and closely related to their daily life.

This wave directly set off the topic of discussing credit life.

...(End of chapter)