Countercurrent 1982

Chapter 2168 Risk Tradeoff
"What you said is very good, but before this project is successful, no one knows what the result will be. Optimism is a good thing, but some risks and problems should be seen in time." Zhang Xiao smiled Said.

"President Zhang is right." Duan Yun agreed, and then said: "But I want to talk to President Zhang here. In fact, the project of online e-commerce has many successful precedents abroad. I have done it many times before. I went to the United States for the first time and established a branch there. The Internet in the United States can be said to be highly developed now. Almost everyone with a computer can connect to the Internet. People spend more and more time surfing the Internet. Well, in the Silicon Valley of the United States, more than 500 companies related to Internet commerce have appeared in the past two days, and some of them have achieved great success, turning them from ordinary technicians into millionaires and multi-millionaires , even billionaires, from this point of view, e-commerce is a completely feasible business project, and it is precisely because of this that I will spend huge sums of money on the construction of the domestic e-commerce network. It is a commercial project that I came up with, but a plan that was formulated after careful consideration. Although the domestic Internet is not popular enough at present, the number of users has been growing rapidly in the past two years. I believe that this Internet project will definitely achieve great success in China in the future. Success, relying on our company's strong technical and financial strength, as well as preconceived advantages, we can definitely make this commercial project very large..."

"I believe that Manager Duan is talented in business." After listening to Duan Yun's narration, Zhang Xiao thought for a while, and then said: "However, I still need some time to think about this commercial project. We will also send a team of experts to your company to investigate this e-commerce project, as long as we can pass the evaluation and review, we can establish a cooperative relationship."

"If ICBC's expert team is willing to come to our company for inspection, our company will definitely welcome it with both hands, and will definitely fulfill its obligation of reception." Zhang Xiao smiled slightly, and then said: "Another point is that I want to remind President Zhang, As for this e-commerce project, it will not only bring considerable profits to ICBC, but also attract more depositors to your bank. President Zhang, you can just imagine that after the launch of our Tianyin e-commerce website, it will be a short period of time. There have been more than 8000 registered users in a few months. These are some very high-quality potential customers. Families who can afford computers and connect to the Internet must have a high income. If they want to use our website in For online shopping, the money must be deposited in the bank we cooperate with first, and only in this way can instant online payment be realized..."

"Eh." Hearing this, Zhang Xiao's eyes suddenly brightened.

In fact, for Industrial and Commercial Bank of China, taking some financial and policy risks for the e-commerce project of Tianyin Group can only bring in tens of millions of yuan in income, because it is somewhat uneconomical for me, but if I pass this The project can attract more depositors in the country, which is far greater than the income of tens of millions of yuan a year.

Because unlike the central bank, the four major state-owned banks are actually in a state of internal competition. The number of depositors they attract each year, the size of their funds, and their profits are all very important performance content. This is also related to the performance and performance of the presidents and executives of each bank. future.

So when this commercial project involved the increase of depositors, it really caught Zhang Xiao's attention.

"...Now our country has begun to accelerate the process of domestic Internet promotion. At this time last year, there were less than 1000 domestic Internet users, and most of them were concentrated in a few public institutions and scientific research institutes. Within a short period of time, the number of Internet users across the country has exceeded 10, and by the end of this year, it is very likely to exceed 20." Duan Yun paused, and then said: "Now the country's telecommunications department At that time, it had already signed a contract with an American telecommunications company and added several Internet transmission lines. It can be seen that the country's attitude towards the development of the Internet is very positive. In the future, the Internet will be like computers, and more and more ordinary people family……"

"It is true. I have attended some conferences before, and many experts are very optimistic about the development of the Internet in our country. In fact, my family is also the first batch of Internet users in our country. I feel that the distance with the whole world has been shortened at once." Zhang Xiao obviously agreed. Agreeing with Duan Yun's point of view, he continued: "The number of domestic netizens is indeed increasing rapidly, but is your company sure that these domestic netizens will all shop online?"

"It is impossible to shop all online." Duan Yun smiled slightly, and continued: "But as long as there is 1/10, it is already a very considerable amount. According to my estimation, in the next 3 to 5 years, The number of Internet users in China is likely to exceed 200 million. As long as 20 people are willing to shop online, it is already a very good consumer base. Generally speaking, this is a long-term project, and the initial income may be It won’t be too big, but in the middle and late stages, the number of consumers will grow rapidly like a snowball, and this will be a very huge market, which is completely predictable.”

"20..." Hearing the number Duan Yun said, Zhang Xiao suddenly fell into a short thought, and said after a while: "The risk of this project is a bit..."

"Any business is risky, it's just a big problem. Besides, our Tianyin Group currently has tens of billions of dollars in deposits in your bank. If you can run away, monks can't run away from the temple. What do you have to worry about?" Duan Yun Said.

"Hehe." Hearing what Duan Yun said, Zhang Xiao immediately relaxed.

Zhang Xiao naturally knows how much deposit Tianyin Group has in ICBC, and based on his understanding of Duan Yun, he knows that this young man has almost never missed a chance in the past ten years or so, so considering various factors Looking at it, Duan Yun has a very high chance of success in the future.

"If it really doesn't work, then I can only discuss it with a few other banks. To do business, both parties must be voluntary. I can understand President Zhang's difficulties." Zhang Xiao was silent for a moment. He didn't speak, so Duan Yun said hastily.

"You don't need to challenge me with me." Hearing this, Zhang Xiao laughed and said, "That's all right, I will arrange an evaluation team to go to your Tianyin Group to investigate this e-commerce network project. , if everything is ok, our Industrial and Commercial Bank of China is willing to guarantee your business!"

(End of this chapter)