Taking over the electronics factory, you actually created an industrial empire

Chapter 128 137-38: Niubi, you can still play like this! (second and third chapters)
Then Sheng Huainan nodded seriously, Shi Yongxin was right!

As a traveler, although he has a certain information gap, this is based on the basic understanding of later generations. As the business of Shangsha Science and Technology continues to grow, the butterfly effect will inevitably become more and more serious. He has to consider , the government's consideration and influence on this matter.

Regarding the financial policy, it is completely different from the real industry with the most open attitude. This is definitely the place where Huaguo conservatives are most concentrated. He really does not have much confidence in getting a financial license.

He picked up the glass, closed his eyes, beckoned to Li Jingshu who was at the side, asked for a wet towel, wiped his face, and let the CPU that was about to burn dry cool down, and said, "Very good, keep talking!"

"I actually don't know too much. Boss, you are the controller of this company after all, and although many things you have done in the past seem impossible to me, your repeated successes have given me new confidence in this project." Inexplicable information, but this time seems to be a little different. Although our daily turnover is several million, compared with a giant like a bank, it is indeed far behind, and it is not the same at all. A heavyweight, what I suspect is not the product power called "Shangsha Yifu" you mentioned, but the links we need to get through."

Shi Yongxin felt that he was a little thirsty, so he took a sip of the wine on the table, and he almost vomited it out after drinking it. It was a kind of Mexican tequila mixed with some unknown spirits. The same taste, very strong fragrance, ordinary people really can't get used to it, Sheng Huainan is really too strong!

He felt that he had said a bit too much today, but he felt it was worth it, which represented a certain degree of trust and reward from the boss. He continued, "There is another important factor that we need to consider, that is, our Shangsha Science and Technology Co., Ltd. The positioning of Yuzhou, logically speaking, we should find the leaders of Shanghai to do this kind of derivative financial instruments, but what about the leaders of Yuzhou? We are living on the territory of Yuzhou."

Sheng Huainan smiled slightly, but said, "In fact, you have fallen into a misunderstanding, that is, you have fallen into a directional comparison! Why do we need the leaders of Yuzhou and Shanghai? The banking system and other systems It's completely different. The independent status of Huaguo Finance was confirmed decades ago! If you compare Shangsha Technology with the banking system, it is basically equivalent to the difference between sesame and watermelon. Not to mention the four major banks, even if It is other joint-stock commercial banks, and we are far behind them."

Hearing this, Shi Yongxin frowned slightly.

He is really not very clear about this matter.Yes, how to establish cooperation with the bank?If this level cannot be handled properly, the project of "Shangsha Yifu" cannot be implemented.

After waiting for a while, with the arrival of Zhang Peng, the financial director of Shangsha Technology, this topic continued to be discussed in depth. Sheng Huainan changed the subject, with seven-point confidence and three-point playfulness between his brows, and asked a question in front of him. Two executives, "Let me ask you a question, why do we have to deal with the entire banking system? This is too difficult. We connect bank ports one after another, which is not flattering, troublesome, and repeats other first steps. The road of the three-party platform will waste a lot of money!"

Taobao engages in a third-party platform, and the accumulation of running water on it is enough for him to maintain the relationship with the bank. The sales volume of Shangsha Mall is only a few, and the traffic is far worse than the current Taobao. If Shangsha uses the same stupid method, which is neither cost-effective nor scientific!
"Then what should we do?" Zhang Peng, the financial director at the side, tried to ask.

He didn't quite understand what the purpose of Sheng Huainan's brain hole was.

Now the third-party payment is relatively mature, but Taobao’s current commercial traffic is not as large as it will be in the future. The main purpose and core gameplay of the current Alipay products is to protect the security of online funds, so that customers can buy online products with confidence. , As for the income brought by capital accumulation, it is barely enough for software operations. Even Taobao itself is hovering on the edge of profit and loss. They still have no way of knowing what the magic and gameplay of capital circulation are.

"The rules of the game are the same as Alipay. We set up a private account and bypass the bank, so we don't need relevant financial licenses. The only difference is that I need to create an app on the mobile phone. This app is Shangsha Yifu!" Sheng Huainan Said with a slight smile.

"APP!" Both Shi Yongxin and Zhang Peng couldn't help exclaiming, and they couldn't help but marvel at Sheng Huainan's big brain.

They are a real company, and what they do with the app is a non-profit app, and it is a non-profit app that is easy to lose money. What is the underlying logic of doing this?
"Yes, APP!" Sheng Huainan said with a smile.

Looking at the smiling Sheng Huainan, Shi Yongxin couldn't help but feel nervous, his body tensed up completely involuntarily.

When Sheng Huainan was going to do some big things, he was used to showing such an expression. The more active Sheng Huainan's mind was, the calmer his mood would be. Now he can't help but look forward to this big idea, what is it? What?
"The core purpose of the first step of this small APP is to allow users to use their mobile phones to directly purchase our Shangsha Technology products online and offline. The core of this step is the mobile phone. We use our mobile phone , Promote this APP initially!" Sheng Huainan stood up, took a sip of wine and said slowly.

The two executives below both nodded.

This step is expected.

Since Shangsha Technology is going to be an ecology, there must be something to make a closed loop, but they did not expect that the closed loop of Shangsha Technology built by Sheng Huainan is a virtual APP!
"The second step is that we can rely on the information distribution capabilities endowed by the APP, combine virtual and reality, and realize in-depth content co-construction through divergent self-research through multiple channels, form a combined punch, extend information links, and create a closed-loop content ecology , in-depth penetration in multi-regional user groups!" Sheng Huainan said.

what?
What do you mean?
What is President Sheng talking about?
These three questions flashed through Shi Yongxin and Zhang Peng's minds, you looked at me, I looked at you, and looked at each other with wide eyes in shock.

What Sheng Huainan said, they can understand the individual words separately, but they are confused when connected together. Is this still Chinese?
They were a little shocked. There are so many ways in an APP. This thing can not only read information, but also create content and interact with customers?
Mr. Sheng's tricks are pretty cool!

They were all dizzy from being fooled. If Mr. Sheng took out this APP alone to fool outsiders, they would probably be fooled for a while.

"Ahem, to be simple, we need to launch a QR code on the APP in the second step. This action must be maintained. This is a very critical thing. This thing must be available in all our self-operated stores and sinking channels. Now, let’s promote it!" Sheng Huainan felt that he was a bit Internet-oriented, and explained.

The market needs to be cultivated, and now the Shangsha Yifu, which is bound to mate 2 when it is turned on, is the core object to realize the later gameplay!

The financial crisis is coming soon, and before the financial crisis comes, Sheng Huainan must make two-handed preparations before the winter!
The first is to carry out over-the-counter transactions in the beautiful country, so that a certain amount of funds can be obtained, but it will be relatively limited, which is not enough to support Shangsha Technology to safely survive the financial crisis in 08.

And the other hand is this Shangsha Yifu!
Alipay has not played the game clearly yet, it started to play ahead of time!
in later generations.

Alipay opens an account in a commercial bank. For commercial banks, Alipay is a private account, but the amount of money in it is scary. For the central bank, Alipay has no affiliation with it.

What about Alipay itself?

It said that in order to protect the privacy of Alipay users, all transaction records of Alipay users are absolutely confidential and are Ali’s commercial secrets.

Under the above premise, after Alipay absorbs a large number of user deposits, it does not need to invest at all, it only needs to create circulation!
That is to maximize the promotion of online and offline payments. When people who use Alipay find out, huh?When I can complete most or even all financial transactions in my life with Alipay without changing Huayuan, the situation has changed qualitatively!

Alipay creates currency to reduce the cost of currency circulation. On Alipay, the currency circulation cost is lower than that of banks and cash (not to mention the handling fee for bank transfers, the flow of cash also has costs: zero, whole exchange and time cost).Reducing circulation costs is the contribution of Alipay and third-party payment institutions.

One dollar is circulated twice, which is equivalent to two dollars in effect, which increases circulation and creates a broad currency.

This is actually a classic application example in the Ramsey-Kaskas-Koopman model in advanced macroeconomics.

As a senior auditor, Zhang Peng has studied economics before. Under Sheng Huainan's few words, he had a general understanding of how the game is played. He couldn't help but nodded and sighed, "Mr. Sheng, you are really a genius." , Alipay has been created for so long, but I never knew the game was played like this!"

Huajie specializes in financial derivatives, but their gameplay is still very traditional. Now Sheng Huainan actually thought of playing through online finance, and the gameplay is more diverse.

"Okay, stop bragging! These are all long-term plans, and they can't be implemented yet. In a few years, this thing is just a stage of cultivating the market. If we don't carry out large-scale promotion, there will be no big The large-scale flow of water comes in, and it is still too far away to achieve large-scale benefits, but this thing is still good for increasing our cash flow." Sheng Huainan laughed loudly and said meaningfully.

Afterwards, he briefly explained the third step. With this APP, Sheng Huainan will do some small-scale financial promotion on it, and he can catch some Shangsha owners to use it, which can be regarded as a preliminary achievement. The purpose of this APP ecological construction!
In fact, around 2012, when Yu’ebao came out on a large scale, Taobao could carry out very effective financial derivatives and use Alipay to make money. However, this incomplete version should ensure the financial security of Shangsha Technology, and it will be laid down One pawn is enough!
Zhang Peng and Shi Yongxin nodded after hearing this.

Before they came in, they thought TV was TV, mobile phone was mobile phone, and bank was bank. They didn’t expect that this so-called ecology could still be played like this. Sheng Huainan's grasp of the delicate psychology of customers is really amazing!

This APP is actually a secondary investment made by taking advantage of customers' trust in Shangsha.

No matter what they buy from Shangsha, it means that they are customers who have been washed once, and they naturally have a sense of trust. Now that they have a sense of trust, let them buy wealth management products on the app. Without persuasion, many people will do it To buy this, you only need to apply for a simple microfinance license (ahem, it’s P2P microfinance financing)!
This interest rate will be a little higher than that of the bank, but far lower than the interest rate in the off-market market in the beautiful country.

Before Shangsha Technology went public, the P2P small-amount wealth management, now there is not much supervision on the use of funds in 07, it will become a more effective source of funds, and it only costs a little money to build an APP , It can also expand the influence of Shangsha Mall.

In a word, it's a good deal!

After saying this, Sheng Huainan vigorously slapped the table, pointed his fingertips at his Mate 2 phone, and said with an unfathomable expression: "Don't forget, I have the data product Mate 2 , now the reputation of mate 2 is getting better and better, and other products that follow the traffic can also get a share. You have to remember that traffic is the most precious thing in this world. With traffic, we can convert it into anything. Including the Shangsha smart screen in the matrix, including this APP! This is called the linkage of four or two thousand catties and resources as much as possible!"

There was a buzzing in Shi Yongxin's head, he felt that he was really brainwashed by Sheng Huainan.

He had a feeling that this person might be able to change the world!

He still doesn't think that Shangsha Yifu will have much development prospects in the future. Sheng Huainan didn't give a positive answer, and there should be no resources from the local government to import it.

But he doesn't think it's important. It's good to use this thing as a separate financial management traffic terminal. Shangsha Technology is a purely industrial company, and these things are just auxiliary tools.

However, Sheng Huainan's four-two-handed method and the in-depth gameplay of the customer ecology made him seem to have opened up a new world.

Shi Yongxin stood up excitedly, and blurted out: "Mr. Sheng, leave this matter to me. Within half a month, oh no, a month at most, I will definitely develop Shangsha Yifu for you!"

"Very good, Mr. Zhang Peng, I will take you to see him tomorrow..."

(End of this chapter)