乐高blocks,乐高区域
。乐高积木：乐高积木是一种由乐高公司推出的玩具，它是一种可以拼装成各种形状的积木，每个积木都有独特的拼接方式，可以拼接出各种各样的模型和结构，从而满足孩子们的创造力和想象力。乐高积木的种类繁多，有普通的积木、机械结构积木、技术类积木、科学类积木等，可以满足孩子们的各种玩法需求。乐高积木不仅可以拼接出各种模型，还可以培养孩子们的动手能力、创造力和逻辑思维能力，激发孩子们的创新思维，让孩子们在玩乐中学习，给孩子们带来更多的乐趣。
乐高区域拓展：乐高区域拓展是乐高公司推出的一种新型的玩具，它是一种结合了乐高积木和区域拓展的玩具，可以通过乐高积木拼接出各种形状的模型，结合区域拓展的功能，可以让模型动起来，让孩子们在玩乐中学习，增强孩子们的动手能力、创造力和逻辑思维能力，让孩子们更好地理解机械原理，更好地掌握科学知识，让孩子们的学习更加有趣、生动。
乐高教育：乐高教育是乐高公司推出的一种新型的教育模式，它将乐高积木和乐高区域拓展的功能结合起来，以乐高积木为基础，利用乐高区域拓展的功能，让孩子们在玩乐中学习，激发孩子们的创新思维，让孩子们更好地理解机械原理，更好地掌握科学知识，让孩子们的学习更加有趣、生动。乐高教育不仅可以培养孩子们的动手能力、创造力和逻辑思维能力，还可以让孩子们更好地掌握科学知识，让孩子们在学习中更加轻松愉快，让孩子们在玩乐中学习，给孩子们带来更多的乐趣。
请查看相关英文文档
『一』 36Kr Exclusive Interview｜Silicon Valley Senior Investor: Web3 is not equal to blockchain and has nothing to do with “coin”
"User autonomy is the core of web3, decentralization is not"
36Kr: Now people When talking about Web3, "decentralization" must be mentioned, and "decentralization" has become an ultimate goal.
Wang Yuehua: That is a misunderstanding. Web3 can be partially centralized and does not necessarily have to be "decentralized".
The core of Web3 should be "user autonomy". Because the basis of web3 is "decentralized" data. The source of data must be decentralized. The so-called "decentralization" means that the data is authorized and managed by the user himself, that is, user autonomy.
If "centralized" services want to achieve "user autonomy", the difficulty lies not in technology, but in how to make users trust you and that you will listen to them? This is hard to convince users to believe.
But if you are decentralized on a technical level, you have essentially met the requirements and there is no need to persuade. Obviously, "decentralization" is the most convenient path to achieve "user autonomy". Everyone chooses a path to take.
36Kr: Can “user autonomy” be achieved in China?
Wang Yuehua: Complete "user autonomy" is unlikely. But there is a question of degree, such as whether to achieve 1% user autonomy or 99% user autonomy.
It depends on the government department. Data rights involve many dimensions, such as dividend rights, operating rights, management rights, etc., and can be divided into hundreds of categories. If any of them involve national security or organizational privacy, users will not be allowed to use them.
36Kr: Since web3 does not necessarily need to be “decentralized”, how to understand the relationship between web3 and web2?
Wang Yuehua: In the Web1 era, the Internet was not centralized because the infrastructure at that time was underdeveloped (for example, there was no cloud computing), so "centralization" was not possible and it was impossible to form a large-scale monopoly.
In order to pursue efficiency and reduce costs, the Web2 platform has become centralized. Web2 is nothing more than "centralizing" user accounts and user data. Now that Web3 technology is complete, centralization can be broken again. Web2 companies can return data rights to users and continue to maintain the original business model, which is no problem.
From Web2 to Web3, it is transition and iteration, they are not separated. There are many projects in the United States from Web2 to Web3, which may not be of much concern in China.
36Kr: The "functional collaboration" often mentioned in Web3"Negotiation", how to understand its commercial value?
Wang Yuehua: Web3.0's layered architecture based on "functions" means a large number of new business opportunities.
The economic dividends originally attributed to a certain Internet company will be redistributed according to functional combinations. It is no longer possible for various protocols to obtain greater economic benefits through the monopoly of certain resources, especially the monopoly of data resources. Only through the improvement and optimization of functions can one reflect his own value and achieve greater benefits. This means more fairness and openness.
More protocols with different attributes and rich functions will be able to participate in the service chain Opportunities for profit distribution. It is a huge opportunity for entrepreneurial teams.
In addition, a very sophisticated incentive system can be established based on smart contracts. This incentive system will benefit all those who have joined or want to join web3.0 Ecological teams and individuals form direct incentives.
(Editor's note: Smart contracts are equivalent to coding an agreement and putting it on the Internet for execution. The agreement can include application gameplay, equity distribution, and buyback Terms, etc.)
DAO is not suitable for all types of work
36Kr: DAO still seems to be unable to get rid of the problem that the organization is made by a small number of people?
< p> Wang Yuehua: DAO is not suitable for all types of work, nor is it suitable for all business models. It is efficient in some situations and inefficient in some situations, depending on what goals you use it to achieve.The DAO model is more suitable for work collaboration. Many so-called associations in the United States, such as electronics associations, industrial associations, etc., have long used the DAO model to operate, but they are not called DAO and do not use smart contracts.
36Kr: What is the ideal DAO?
Wang Yuehua: The core logic of DAO is that everyone is for me and I am for everyone. Its functions and attributes can be deployed through smart contracts Realization, and changes with the goals of the organization. The smart contracts are like stacking Lego blocks, and the members of the DAO are added up one by one according to the rules. The rights of each member are based on different dimensions such as contribution, credit rating, participation, etc. Established.
36 Krypton: It is the people who make the community successful, and profits are what the company pursues. Therefore, DAO will never be able to make big money, but its incubation team can. Do you agree?
Wang Yuehua: DAO is an operating mechanism, not a profit-seeking organization. Properly speaking, DAO can be regarded as a tool and a platform to be used.
Web3 industry reshuffle< /p>
36Kr: In the past year, Web3 has experienced a boom and entered a bear market. What changes have occurred in the portraits of entrepreneurs you have come into contact with?
Wang Yuehua: Many entrepreneurs you have come into contact with in the first half of the year Most of them belong to cryptoNative, in the second half of the year, many entrepreneurs came from the traditional Internet, such as from Ant, Tencent, Alibaba, and the Internet. This is a big change.
Crypto native people prefer to capture users in the currency circle. Their methods of building communities and fans are relatively grassroots and not very systematic. Entrepreneurs who have transitioned from Web2 have relatively stable thinking, whether they are dealing with traffic or product design.
36Kr: Over the past year, NFT transaction volume has been declining. Has NFT bid farewell to the era of sky-high prices?
Wang Yuehua: It must be a complete farewell. For a long time, the mentioned NFTs basically belong to PFP (avatar, picture category). The value of PFP is relatively small, and the value can be amplified only by functionality.
NFT should have three attributes: asset, collection, and functionality. PFP projects basically only have asset properties. They only seek recognition from a group to support their value, and their asset properties are pushed up.
The biggest market for NFT in the future is functional. It must be functional and useful. The point is to be useful.
36Kr: After the current crypto bear market, which projects do you think will be shuffled away and which projects will remain?
Wang Yuehua: It is easier for companies in the protocol field to stay, while those in the application field will be shuffled.
Because of the application type, their traffic is originally the traffic of the currency circle. If the market is bearish, these traffic will also disappear.
On the contrary, companies with traffic in Web2 have opportunities because they have advantages in capital and traffic. For example, they can direct traffic to Web3. There are some Web2 projects in the United States that have been transferred to Web3 very quickly because they carry their original traffic.
36Kr: Will the future development space of cryptocurrency become smaller and smaller?
Wang Yuehua: No, it will only be better. Some central banks have issued digital currencies, which may not necessarily be called cryptocurrencies, but they are of the same type and belong to digital currencies, and their volume will become larger and larger. Once regulation keeps up with the development of cryptocurrencies or digital assets, governments will encourage its development.
36Kr: Why encryption must be the future? What is the reason you believe in most? Apart from the financing function, tokens seem to be of little use to the Web3 team?
Wang Yuehua: Encryption is fundamentally interpreted as a privacy protection. Privacy protection is a basic need because without privacy there is no freedom and that is definitely the future. The role of Token is actually to open up the possibility of another business model or even business format. Something as simple as a certificate, a badge, or an asset can be run in the form of a Token.
『二』Banks are having a hard time: deposits are becoming increasingly popular, making it even more difficult to attract deposits
Business background
Corporate deposits are the main source of commercial bank deposits and an important foundation for the development and profitability of commercial banks. Compared with savings deposits, corporate deposits have significant characteristics such as low cost, large amount, and strong liquidity. Therefore, efforts to increase corporate deposits not only balance the bank's credit revenue and expenditure, broaden the bank's funding channels, thereby achieving various assessment and operating goals, and ultimately enable the bank's funds to be operated in a healthy manner and increase the speed of capital circulation.
Under the new situation, the corporate deposit business of my country's commercial banks is facing severe tests. The rise of unilateralism in international trade has led to increasingly tight market liquidity, and at the same time has seriously threatened the sustainability of the world's multilateral economic and trade; the competition for deposits among various banking institutions has led to increasingly fierce competition among peers; as third parties The widespread application of payment technology and the rapid rise of Internet technology have not only seized the share of deposits from enterprises and institutions, but also occupied the market share of commercial corporate deposits, and have also intensified the intensity of market competition. Therefore, how to ensure the continuous improvement of corporate deposits, ensure the continuous development of corporate business, and strive to improve the market competitiveness of commercial banks' corporate deposit performance are important challenges currently faced by commercial banks and an important topic that requires urgent research.
Facing pain points
In recent years, the corporate deposit business of commercial banks has developed rapidly. The growth rate, product structure, and term structure of corporate deposits have all achieved good results. The total deposit scale has Both volume and increment have developed significantly. However, in the process of development, it faces not only fierce competition from external diversification, but also problems from internal assessment and management mechanisms that are imperfect, team building cannot keep up, and the overall quality of personnel needs to be improved. With the deepening of reforms in various fields of society, the development of corporate business is facing multiple challenges.
(1) The corporate deposit business faces a severe financial market environment
Market competition continues to intensify, and various commercial banks are rushing to launch preferential policies to increase their efforts to absorb deposits from corporate entities. , further intensifying market competition, and seeking progress while maintaining stability has been the main tone of China's economic operation in the past five years. Our country's economy will shift from a stage of rapid growth to high-quality development. The 2021 Central Economic Work Conference pointed out that the political and economic situation at home and abroad is becoming increasingly complex. The problems of changeable and unbalanced development are still serious, and the international expansion space of China's economy is backlogged. Against this background and situation, stability must be the top priority, and making progress while maintaining stability is the general tone and principle. Therefore, it is expected that the growth rate of total domestic social funds will slow down and market liquidity will be moderately tightened.
(2) Challenges faced by the corporate deposit business
As the globalization trend of companies intensifies, competition within the industry has become increasingly fierce. The cornerstone role of the company's business has been further highlighted, with its assets, revenue and profit contribution reaching half of the industry. my country's grassroots commercial banks are facing fierce competition in absorbing corporate deposits. All major commercial banks are launching different preferential policies to attract deposits from public entities, and competition in the industry is becoming fiercer. In the face of ICBC, Bank of China, China ConstructionWhile large state-owned banks such as large state-owned banks compete with each other, small and medium-sized banks use aggressive interest rate pricing and higher yields on wealth management products to absorb corporate deposits, leading to a tendency for corporate deposits from large state-owned banks to be diverted to small and medium-sized banks.
With the gradual advancement of China's economic reform and opening up and the gradual deepening of Internet finance, there has been a direct impact on commercial deposits of commercial banks. Third-party payment is using its advantages of payment flexibility, convenience and speed to change the payment habits of all people in a short period of time, constantly challenging traditional commercial banking business. In addition, Yu'E Bao launched by Alipay and Lingqiantong launched by WeChat. They all have financial management functions, which makes many people invest in third-party payment tools after settlement, making third-party payment tools have rapidly grown into the most powerful supplementary force in the domestic payment system, and the loss of payment channels , which will create resistance to the growth of corporate deposits and will also have a direct impact on the corporate deposit business.
The loss of high-quality customer resources has increased the pressure on marketing and maintenance of corporate deposits. With the continuous acceleration of financial disintermediation, the continuous maturity of direct financing tools such as stocks and bonds, and the standardized development of Internet financing platforms, many high-quality customers are gradually getting rid of their previous dependence on banks and can bypass banks to directly finance enterprises. The financing needs of large customers have also increased. The separation will inevitably directly affect the corporate deposit business. As the pace of interest rate liberalization accelerates, some high-quality customers continue to have higher requirements for deposit returns, and the capital costs of banks' corporate deposits are increasing day by day.
How to respond
(1) Customer-centered, consolidate the customer base of corporate deposits
Corporate deposit business must be centered on customer interests and market-oriented oriented and benefit-oriented. Continuously innovate product design, change business philosophy, serve customer needs, improve customer loyalty, and consolidate the customer base for corporate deposits.
First, strengthen management, implement responsibilities, and consolidate the foundation for corporate deposit management. Based on the customer's asset value, corporate account managers are implemented to claim the account and manage the account in place to ensure that there is someone to manage the public account. At the same time, through various effective forms of access such as door-to-door, phone calls, mobile phone text messages, and social networking, employees are consolidated. Maintain corporate customer behavior, understand customer needs, and enhance customer stickiness.
Second, break down the levels, link up and down, and comprehensively establish a customer maintenance system of "stratified marketing and hierarchical management". Carry out hierarchical maintenance for corporate customers based on their deposit limits and comprehensive contributions to the bank, and establish a new marketing management system with clear levels, reasonable division of labor, clear rights and responsibilities, overall coordination, and full of vitality. Through direct marketing to customers at corresponding levels, we will improve the level and efficiency of customer service and do our best to market corporate deposits.
Third, strengthen the refined management of various sectors of corporate deposits and promote sustained and stable growth of corporate deposits. Sort out the Bank's corporate and institutional customers and continue to maintain key deposit customers. Corporate funds are the main source of corporate deposits. Currently, large and medium-sized corporate customersThe trend of integration, groupization and internationalization is becoming more and more obvious, occupying a core position in the supply chain. Commercial banks should focus on such key customers, dig deep into their upstream and downstream customers, and make great efforts to do a good job in transactions with such customers. The marketing of funds and pooled funds provides a source for the steady growth of corporate deposits; institutional deposits are the stabilizer of corporate deposits. With the continuous deepening of institutional reforms, coupled with the reform of the fiscal payment and settlement system, corporate deposits are centralized towards the fiscal system. It has become more obvious that commercial banks should fully take the reform as an opportunity to increase the marketing of special funds in the fields of people's livelihood such as finance, social security, land, housing, medical care, and education, as well as military and police system funds, to achieve internal circulation of special funds and ensure institutional deposits To achieve steady growth, we will carry out all-out marketing around key special funds such as shanty town demolition and renovation funds and commercial housing construction funds to increase the share of funds collected; at the same time, we must understand in detail the business needs of institutional customers for the bank, keep a close eye on government regulatory funds, and pay attention to new business formats, The emergence of new industries and new economies has brought new growth points for deposits. We should pay close attention to the implementation of major government investment projects and major fund operations of institutional customers, formulate marketing service plans in a timely manner, actively intervene in marketing, and strive to tap deposits from the source and compete for them. We will attract deposits and actively explore new growth points for deposits brought about by the new economy.
(2) Strengthen the marketing management of deposit customers and improve the marketing capabilities of corporate deposits
In the context of increasingly fierce competition in the industry, in order to improve the competitiveness of corporate deposits, corporate deposits Marketing must firmly establish the "customer-centered" concept, strengthen the refined management of deposit customers, formulate different maintenance service strategies from the perspectives of customer contribution, customer design industry, customer business needs, etc., and strive to improve customer service quality and satisfaction degree and continuously improve its corporate deposit marketing capabilities.
Carry out in-depth maintenance of key customers, consolidate customer relationships, and enhance customer stickiness. The first is to solidify the regular door-to-door service working mechanism, identify key customers by sorting out customers in the three major sectors of companies, institutions, and small businesses, establish a regular door-to-door maintenance mechanism for key customers, and proactively understand customer financial needs by enhancing interaction with key customers. and marketing opportunities to enhance customer stickiness while ensuring marketing is in place; the second is to establish a mechanism for regular visits by leaders, and through regular visits and maintenance by leaders, strengthen senior management communication and interaction, form a situation of joint management from top to bottom, and comprehensively consolidate the cooperative relationship; the third is to formulate a package of marketing Mechanism, while increasing the maintenance of key customers, develop a one-to-one, diversified, all-round marketing mechanism, use financial technology as the starting point, formulate personalized service plans, and participate in the entire life cycle of the unit and the entire process of fund settlement. , improve customer stickiness and dependence.
The bank plays a game of chess and departments work together to expand new corporate customers. First, a leading group for corporate deposits was established to take the addition of settlement accounts as an opportunity to promote the growth of corporate customers, do a good job of “increasing accounts and expanding capacity” for customers, increase efforts to expand corporate customers, and ensure that everyone is marketing to corporate customers. Grasp the whole bank's chess pattern; second, seize the industrial and commercial registration, capital verification and other linksStrengthen the marketing of local new and newly entered enterprises, do a good job in source marketing to corporate customers, and at the same time carry out research and strengthen relationships with new entrants, grasp information at the first time, win the initiative, and seize the source; third, deal with large amounts of funds , high-quality enterprises with a large number of employees and a large scale, formulate continuous follow-up strategies, determine account managers, be specifically responsible for account opening, provide high-quality financial services, and ensure smooth account opening.
(3) Highlight the construction of talent team and improve the assessment mechanism
Corporate deposits are an important task related to the development of the whole bank. In the context of increasingly fierce competition in the industry, in order to improve corporate deposits To ensure the competitiveness of deposits and ensure its long-term stable growth, we must continuously strengthen the construction of the talent team and strive to build a corporate marketing team and account manager team that are ambitious, courageous, and responsible.
Strengthen business training and highlight the construction of talent teams. Continuously conduct corporate financial business training and establish a comprehensive knowledge update training system so that corporate business personnel are proficient in policy requirements, familiar with business sectors and their relationships, and familiar with the adaptability of business types to customer needs. Be able to identify the entry point for specific business and use it flexibly, and continuously improve the comprehensive business quality.
Peer practices
In an environment where the digital economy continues to accelerate, the banking industry with a keen sense of smell has also begun to lay out digital strategies for corporate business and use actions to demonstrate the reshaping of corporate business. The “Jianghu Dream” of business digitalization.
Initially, there are five main ways banks can reshape their corporate business with the support of technology.
The first step: innovative corporate marketing platform
The Agricultural Bank of China’s corporate marketing center-marketing center (Randeng Platform) project has been put into production. The platform creates standardized scenario marketing service processes based on the needs of marketing model innovation. It can also provide automated configuration of screening customers, selecting products, allocating channels, and building business opportunities according to different scenario needs, and configures end-to-end comprehensive service solutions for customers. , marking a key step in the digital transformation of Agricultural Bank of China’s corporate marketing.
The second move: Be good at "combination punches"
A distinctive feature of Ping An Bank's corporate business is the high degree of coordination between the bank and the group's subsidiaries, and they are good at "combination punches." Focus on the three major businesses of industrial banking, transaction banking and comprehensive finance. Specifically, industrial banks provide comprehensive solutions to industry strategic customers, which are characterized by providing services with an investment banking mindset (including designing transaction plans, providing financial advisory services, introducing investment funds, etc.) and no longer rely on traditional loans; transaction banks refer to providing supply It provides asset-light services such as chain finance, cross-border finance, and cash management, while accumulating corporate deposits; comprehensive finance refers to integrating group channel resources into banks, opening up channels, products, and sales to drive bank intermediary business income.
Banks of different sizes and sizes have different paths towards digital transformation of their corporate businesses, and their layouts also have unique characteristics.However, in realizing the "Jianghu dream" of digitizing corporate business, they have the same goal.
The third move: misplaced competition
As a private bank, Public Bank is an inevitable choice for corporate business due to various factors. Zhongbang Bank is positioned as an "Internet transaction bank serving small and micro enterprises in the industrial supply chain" and has selected the three industries of big commerce, big tourism and big health to provide supply chain financial services.
The fourth move: dual-chain integration
Zheshang Bank’s corporate business chose to promote the “blockchain + supply chain” dual-chain integration, unblock the upstream and downstream of the industrial chain, and pioneer receivables We have developed a payment chain platform and innovatively developed a series of special credit supply chain financial service models such as "Distribution Pass" and "Bank Lease Pass" around specific production and operation scenarios to open up the "blocking points" of capital in the industrial chain and support the coordinated resumption of work, production and sales of the industrial chain.
The digital transformation of corporate business not only reflects the changes in the bank's technical means, but also reflects the opening and integration of the bank's thinking model.
The fifth move: Lego model
Zheng Yong, general manager of Xingtai Bank Internet Banking, said in a previous interview with China Electronic Banking Network: Banks should innovate with the "Lego model" thinking. A new model of public service. In providing corporate services, banks should use Internet technology to put bank services into the financial offices of enterprises and extend them to the upstream and downstream of enterprises, transforming the past "bank-enterprise interconnection" into the current "bank-enterprise mutual integration" ".
He likened the corporate financial room to the "bridgehead" of corporate business. No matter how different the business forms of various industries are, the principles of corporate financial rooms are basically the same, similar to the principles of Lego. There are standardized elements, but no standardized products. According to the needs of corporate customers, correspond to their own products and service content, deploy and package their own products according to needs, so as to connect with the company's financial standards.
The above are new strategies for banks to deal with the challenges in corporate business. As the saying goes, there is no technology and no finance. The banking industry, which is good at leading the technological trend, has made great progress in the digital battlefield. In terms of digital transformation of corporate business, new strategies and new trends may be the banking industry's correct attitude towards the next trend.
Comments
Strengthening the research on banks' corporate deposit business under the new situation is of great significance to improving the comprehensive competitiveness of banks. It is also of great significance to improving the level of bank operation and management and adapting to the reform and development of the financial market. inevitable choice. The bank should change its internal business philosophy, strengthen marketing management, improve the assessment mechanism, highlight the construction of talent teams, lay out digital transformation, consolidate the corporate deposit customer base with high-quality services, improve the bank's economic benefits, and promote the bank's sustainable, healthy and stable development.
Solution
Under the background of regulatory pressure to reduce structural deposits and strictly prohibit high-interest deposits, UnionPay Credit exclusively produced "Strategies for "Increasing Deposits" of Commercial Banks' Corporate Deposits""Strategic Analysis" to assist commercial banks in peak season marketing. This analysis proposes strategies to strengthen banks' marketing of corporate deposits from four perspectives: environment, tools, customers and marketing.
1. Environment: Analyze the external environment from the three perspectives of market, supervision and competition, including the regulatory environment for structural deposit pressure and the competitive environment for peer development;
2. Tools: Analyze tools such as payment settlement, corporate credit, cash management, and scenario building;
3. Customers: Divide customer types (ordinary non-loan households, etc.) for feature identification and strategies Selection, product matching, etc.;
4. Marketing: Focus on analyzing the entire marketing process such as customer positioning, entry, and demand satisfaction.
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"Analysis of Commercial Banks' Strategies for "Increasing Deposits" for Corporate Deposits" Sample Issue
『三』 Quasi-independence Founder of Corner Beast | Leishu Technology CEO Yan An was selected as an Alibaba Cloud Startup Star
Recently, Leishu Technology CEO Yan An was selected as an Alibaba Cloud Innovation Center Startup Star and became a member of the "Track Star Class" member. Alibaba Cloud Innovation Center published the article "Entrepreneurship Star | Leishu Technology Founder Yan An: From "Game Breaker" of Microsoft and Alibaba to Quasi-Unicorn Founder", which tells the entrepreneurial story of this prodigy from the University of Science and Technology of China. The following is Please follow my footsteps at Leishu and see how Yan An built his own big data business kingdom step by step.
Currently, a new round of information technology innovation and industrial transformation is in the ascendant around the world. Technologies such as the Internet, big data, and artificial intelligence are accelerating their integration with the real economy, opening a new era of digital transformation and development for enterprises. The industrial Internet, with Internet thinking, big data capabilities, and intelligent technology as its main development characteristics, has become an important path choice for a new round of digital transformation for enterprises.
How to use big data+, AI+, financial technology+, and blockchain+ to help the transformation of old and new driving forces and industrial upgrading of traditional industries, and to promote the digital transformation of enterprises with new ideas, new paths, and new models. It is the mission of every Leishu person. In the process of using technology to empower industrial change, Leishu Technology has created a unique "three-step" strategy, which is to build a big data platform, digitize business, and commercialize data. It adopts the "4+" development concept and deeply integrates "big data". Data +, AI +, Fintech +, Blockchain +”, use Lego building blocks to quickly build intelligent applications, and widely copy the model in manufacturing, energy, logistics and other industries, improve the efficiency of resource allocation in the real economy, and promote the improvement of total factor productivity .
; Leads Microsoft and Alibaba to break through the situation and lay the road to entrepreneurship
Member of the Junior Class of the University of Science and Technology of China, graduated from Brown University in the United States, expert in the field of artificial intelligence at Microsoft, the first big data director of Alibaba Cloud, and a quasi-unicorn in the Internet The founder of Beast Enterprise, the proposer of the "4+" concept and the "three-step" strategy, the one who combines these auras is the entrepreneurial star of this issue - Yan An. Yan An has shown talents that are different from ordinary people since he was a teenager. When others were still in middle school, he was admitted to the junior class of the University of Science and Technology of China and became a younger member of the class. In real life, we have witnessed the fall of too many prodigies and geniuses, but Yan An, who had a similar beginning to their fate, relied on his unremitting efforts and thirst for knowledge to come out with an ending that was completely different from theirs.
After graduating from the University of Science and Technology of China, Yan An did not stop studying, but chose to continue his studies at Brown University and the University of Washington. The atmosphere of a top prestigious school and the inclusive environment abroad have cultivated Yan An's critical thinking mode and improved his creativity and concentration. Yan An's rich academic experience allowed him to successfully open the door of Microsoft and become the backbone of the big data and artificial intelligence division. As the saying goes, love can last a long time. Yan An’s love for the fields of big data and artificial intelligence has allowed him to work for more than ten years. A truly strong person is never afraid of challenges and is good at finding shadows in good times and light in adversities. During a period of stable career, Yan An chose to say goodbye to Microsoft and led the team to build Alibaba Cloud's largest big data and artificial intelligence platform - Shujia Platform from scratch, becoming Alibaba Cloud's first big data business unit director.
Two experiences at Microsoft headquarters and Alibaba laid the foundation for Yan An’s entrepreneurship. Through the training and precipitation of large-scale projects, Yan An developed deeper thinking. For example, in General Big Data , In addition to artificial intelligence, can some auxiliary tools be added? Like blockchain, financial technology, and the Internet of Things. Through the integration of emerging auxiliary technologies, we can improve the digitalization, networking and intelligence of products and services, enhance users' sense of gain and experience, serve the real economy with a rich product line, and inject new momentum into the development of the real economy.
; Gathering talents to resist the cold winter of capital
After the birth of the entrepreneurial idea, Yan An, together with his two partners at Microsoft, gathered a group of elites from major prestigious schools and embarked on a journey from scratch. path to entrepreneurship. Two-thirds of the team members of Leishu Technology have a master's degree or above. They come from well-known universities such as Brown University, University of Washington, Tsinghua University, University of Science and Technology of China, and Zhejiang University, and have rich practical experience in the industry. The strong talent reserve provides a solid backing for Leishu Technology to "strengthen the stronghold" and "fight tough battles", and has also become the main force for Leishu Technology to fight in the industrial Internet industry.
Against the background of the capital winter, many Internet start-up companies have frequently faced difficulties in financing. Leishu Technology has broken the curse of difficult financing in one fell swoop, and has successively obtained 8 million yuan in angel rounds and 22.5 million yuan in Jinan High-tech Zone. As a strategic investment, Leishu Technology and its subsidiaries each received 7.5 million policy support from the Future Science and Technology City. The continuous injection of funds from investors has provided Leishu Technology with the energy and confidence to move forward, allowing Leishu people to concentrate on scientific research, accelerate product upgrades and iterations with the power of technology, and provide more cutting-edge, high-quality products. Return to investors and society.
Only using more than a hundred customers in the service industry for two years
Thunder Digital Technology uses "big data+, AI+, fintech+, blockchain+" concept, Independently developed the core product - Leishu Industrial Cloud. Based on the platform construction theory of "big platform, small application", Leishu Industrial Cloud product system has built two major product platforms: data integration platform and smart chain platform, using intelligent solutions to promote the digital transformation of traditional enterprises and boost the high-quality development of the real economy. Leishu Technology first relies on "Big Data+, AI+" technology to build a data management platform to organize and clean industrial data. In the second step, it conducts intelligent analysis through the Data Fusion Rubik's Cube and displays it on a large visual screen in the form of reports, images, etc. Provide scientific decision-making basis for enterprise production scheduling, process parameter adjustment and other aspects; the third step is to integrate "blockchain+, finance+" and other technologies to create a data-integrated intelligent platform to realize scenario-based vertical intelligent management operations of industrial logistics. Build a fast and efficient green credit financing channel for enterprises.
In just two years since its establishment, Leishu Technology has achieved an extraordinary record of project scale exceeding 100 million and serving more than 100 major customers in the industry, becoming a real dark horse in the industrial Internet. Leishu products have been implemented in all provinces across the country, serving many industries such as energy, manufacturing, logistics, medical care, and airports, and have successfully built a number of companies such as Shandong Expressway, Sunway Pharmaceuticals, Fuchun Holdings, Sinotrans, Dahai Group, and CDB New Energy. A series of benchmark projects use Leishu's strong product innovation capabilities and enterprise transformation capabilities to continuously deliver new transformation momentum to enterprises, create quantifiable new value, and return big data and artificial intelligence to their essence.
Link the gods and become famous
Leishu's powerful product system and excellent technical strength have not only won unanimous recognition from customers, but also won many honors for Leishu Technology . In 2018, the "War of the Gods" gathering entrepreneurial elites from around the world set off a storm in Hangzhou. This is an annual grand ceremony for VC venture capital institutions and a fighting arena for the entrepreneurial world. Diverse thinking models collide and fierce business model confrontations occur. Only the strong will leave their name. Leishu Technology stood out among 3,478 projects in 15 developed countries and regions, 33 cities around the world, and won the global runner-up in the 2018 Alibaba Global Battle of the Gods Maker Competition. Leishu Technology became famous in one battle and became a household name in the big data industry.
In Yan An’s own words, in the process of serving benchmark customers and large industrial customers, Leishu Technology has refined standardized solutions suitable for small and medium-sized enterprises, providing solid support for the development of industrial Internet in traditional industries. . Thinking never stops, and the pace of innovation never stops. Leishu Technology has been committed to improving its technology monetization capabilities and smart solution output capabilities, embracing the industrial Internet, and detonating the billion-dollar market. Let us wait and see what surprises Leishu Technology will bring us in 2020.
『四』Is Little Beike trading reliable?
Reliable? The Beike trading platform has specially developed a bank management system to solve the problem. All the bank’s loan policies are listed in very detailed , structured records are recorded in the system. When we input property information and customer information, intelligent matching of bank selection can be achieved.
(4) Lego Blockchain Extended Reading
In order to meet the needs of different cities and different partners, the Shell Trading Platform adopts a "Lego-style", The configurable product model can quickly and accurately support different real estate transaction models in multiple cities and regions, allowing store owners and brokers to choose appropriate professional transaction tools based on local business characteristics.
Just like Lego’s idea of assembling standard parts one by one, all urban processes are run through, concentrated and abstracted, and turned into a system that can be formulated, and every field becomes every node. , each node becomesA process, each process becomes a trading product and a trading solution, built layer by layer.
There are more than 40 cooperative banks on the Shell trading platform, including 8 banks (Industrial and Commercial Bank of China, Bank of China, China Everbright Bank, CITIC Bank, Industrial Bank, Bank of Beijing, Bank of Hangzhou, Bank of Xi'an).
『五』 Which is better for children’s programming training, Scratch or C language?
Children’s programming courses generally cover Scratch, Python, and C language according to the age and acceptance level of the children. If your children are just beginning to get involved in children's programming, they can use Scratch as the introductory language for programming. As their learning progresses, they can learn Python and C language to improve their comprehensive abilities such as hands-on operation and computing skills. If you want to learn programming for children, it is recommended to choose Tongcheng Tongmei. Learning children's programming can improve children's logical thinking and concentration!
Scratch inspires and motivates users to learn programming, mathematics and computing knowledge through operations in a pleasant environment, while gaining the experience of creative thinking, logic programming and collaborative work. C language enhances children's logical thinking and calculation abilities through complete and efficient problem-solving training. Tongcheng Tongmei's children's programming experience class, click to register for free trial
If you want to know more about children's programming, it is recommended to consult Tongcheng Tongmei. Tongcheng Tongmei Future Education Research Institute, by gathering the collective wisdom of a team of education experts with an international perspective, combined with the actual development of quality education in China, has proposed a competency model for digital citizens and future leaders, as well as a new model of "1+X" quality education, and has always been committed to To help every Chinese family build a family education system that suits the characteristics of their children.
