The years of red flags

Chapter 1529: Let the Young Man Live
"Hey, Wang Xu, you're plagiarizing." A young man said with a smile, "Don't think we don't know that this is a line from Kangxi Dynasty."

"Why bother with the lines from a TV series? Just tell me if it's appropriate here and if it's domineering." Wang Xu stiffened his neck and asked, "Let me ask you, do you have the guts to say this?"

"I dare to say it, but I may not be able to do it." The young man sighed: "After all, everyone can brag. But it is more important to be able to realize the boast."

"Every one of you is counted." Wang Xu pointed at them and said, "Just wait and see how I can turn my boasting into reality. I don't believe it. The older generation worked hard to achieve what they have today. We have such good conditions and have received higher education. Can we be worse than them?"

"Since you, Wang Xu, can make such bold statements, then I think I am no worse than you. If you dare to do it, I dare to accompany you. Let's see who will achieve greater success and who can trample more enemies by then."

"Okay, young men should have this kind of drive, but there is no need to compete, you should cooperate for mutual benefit." Jiang Hua said with a smile: "Don't think that you can't cooperate just because you are in different industries. The future industry will be a highly integrated industry, and there will always be areas of intersection."

"Mr. Jiang, thanks for your good words. If I can really cooperate with Wang Xu, it will save me a lot of trouble. Wang Xu is very capable, and everyone can see it."

"You all have a mutual respect for each other, that's great, we should unite, if we really want to compete, we should compete with those foreign companies, that's called expanding territory, that's what gentlemen should do."

The cocktail party lasted until midnight. Most of these businessmen had visited the World Expo during the day, so I don’t know where they got the energy to drink until midnight.

Chen Jianghe had already left with his son. He wanted to go back and discuss with Nuo Yuzhu how to increase the burden on his son.

Lao Ma opened a tea room in the hotel, and the professional security personnel around him also conducted a preliminary inspection, for fear that someone might secretly install cameras or eavesdropping devices.

"Why are you being so mysterious? Just tell me what you want to say."

Lao Ma sat in front of Jiang Hua and poured him some tea: "You are also a shareholder of Ant Financial. I have a big plan that I want to discuss with you."

"What's the big plan?"

"The current economic development is very rapid, and everyone's life is closely related to finance."

Jiang Hua waved his hand and said, "It's getting late. If you have something to say, just tell me directly. Don't beat around the bush for five thousand years. We are old acquaintances. There is no need to lay the groundwork for this."

"Banks have become the most important part of people's lives," Lao Ma said with a smile, "especially for those who cannot live without the Internet, and even more so, banks."

Jiang Hua smiled and said, "So you want to open a private bank?"

In fact, Jiang Hua already knew clearly what Lao Ma was planning. He wanted to get involved in the banking business, that is, Huabei and Jiebei businesses are about to enter the historical stage.

"I'm not going to open a private bank yet, I want to get involved in banking business." Lao Ma said with a smile: "The current banking business is very rigid and inconvenient. I want banks to be more flexible and open some services directly in our Alipay to act as online banking and online credit cards." Jiang Hua put down his teacup. These new services of Alipay have been used by Jiang Hua in his previous life. It must be said that they are really very convenient. At the same time, it also has a positive effect, eliminating the business fees for transfers and withdrawals between banks.

But things should be viewed from both sides. These businesses also have a bad side. They foster the habit of pre-consumption. This is especially true for many young people who do not have much money but want to consume. They develop many bad habits and are burdened with heavy foreign debts.

"Tell me more specifically." Jiang Hua picked up the teacup: "What you said is too general. I really can't judge."

Ma lowered his head and thought for a while: "If we want to develop Taobao, young people are the main force, but most of them are short of money, so I want to cooperate with banks to launch our Alipay credit card business to provide funds for young people's consumption."

Jiang Hua frowned: "Who came up with this plan? It has a strong Jewish flavor. Isn't this just a trick of the Ugly Federal Reserve?"

"This is to supplement our Taobao business." Lao Ma smiled and said, "You said it has a Jewish flavor, and I don't object. After all, the Jewish people are very good at banking, so it's nothing strange to see their influence."

"This matter is in an ambiguous situation." Jiang Hua frowned: "If it is done well, it can indeed stimulate consumption and develop the economy. If it is not done well, it will bring disaster to the country and the people. Young people want to consume, and providing them with funds is urgent. I agree, but we must not let them develop the bad habit of early consumption."

"Is there any problem? The Ugly people have always had the habit of consuming in advance, which greatly stimulates the economy, so the Ugly economy is the most developed among the social groups."

"Each country has its own path of development." Jiang Hua shook his head. "It may not be a good idea to apply the Ugly Chinese model to us. You also don't see the drawbacks of the Ugly Chinese economic development model. Their personal economic model is extremely fragile. Once they have no income, they become homeless. Our country's savings model is the real way to long-term development."

"So you don't agree with me doing this?"

Jiang Hua shook his head: "I agree, but there must be a limit."

"There must be a limit." Lao Ma said with a smile: "Everything must be done in moderation. Things without moderation are easy to get out of control."

"Since you mentioned online credit cards, we must pay attention to the credit limit." Jiang Hua said seriously: "It is best to combine it with credit investigation. And the credit limit should be small rather than large."

"But if it's too little, I'm afraid it won't stimulate consumption."

"But too much will cause big problems." Jiang Hua said seriously: "In fact, I completely understand what you mean. You understand that most young people are eager to spend right after graduation because they didn't have money before. Now that they have money, they will engage in revenge spending for a period of time. You are undoubtedly encouraging this irrational behavior. You have to think about their lives in the future."

"What life?"

"You Taobao can't take care of people's second half of their lives. They still have to get married and have kids. Getting married is a big expense nowadays. Add to that buying a house, mortgage, car loan, and so much debt, plus your credit card bills. Are you going to let young people live?"

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