Reborn: Billionaire in College

As doubts grew in his mind, Chen Pingjiang became less and less happy with the game.

He didn't sit in the bar for long before leaving with Yan Yan.

Along the way, he was observing Yan Yan.

I used to think I was good at disguising myself and was a good time management expert.

Now it seems that this may not be the case.

Yan Yan was definitely not unaware.

The only question is how much.

But how could Chen Pingjiang take the initiative to confess such a thing?

Since Yan Yan didn't ask, he simply didn't mention it.

What if it was just a reasonable suspicion, or if we only knew Cong Nini?

If this is the case, wouldn't it be stupid for Chen Pingjiang to take the initiative to confess?

In short, if you confess, you will be treated leniently, otherwise you will spend the rest of your life in prison.

"I'm not going home tonight?" Yan Yan said quietly as the Maybach 57S just left the 1912 bar area.

Another abnormal behavior!

In the past, Yan Yan rarely stayed out overnight.

Even if there was, it was requested by Chen Pingjiang, and he would not propose it himself.

"We should have not gone back a long time ago. Living together after getting engaged is a normal thing. Why are we doing this in secret like thieves?" Chen Pingjiang's face was full of "encouragement" and "joy".

"Oh, forget it. I just remembered that we are going on a trip, right? We need to go back and pack our luggage." Yan Yan seemed very satisfied with Chen Pingjiang's performance, and then changed the subject.

Chen Pingjiang looked distressed: "No, I can buy clothes when I get to other places later."

"Okay, I'll go home tonight, dear."

The distress on Chen Pingjiang's face turned into reluctance: "Okay then...see you tomorrow."

After sending Yan Yan home, Chen Pingjiang asked Li Fu to take him directly to Cong Nini's residence.

"Hey, husband, why are you here so late?" After seeing Chen Pingjiang, Cong Nini was naturally very excited.

Chen Pingjiang asked back: "Let me ask you, tell me honestly, have you ever told Yan Yan about our relationship?"

Cong Nini was confused by the question and was even more frightened by Chen Pingjiang's solemn expression.

She thought that their relationship had been discovered by Yan Yan, and suddenly she felt like she was about to lose Chen Pingjiang.

"No, I never said it on my own initiative."

"Really?"

"Of course it's true, husband. I'm not stupid. I know exactly what I should and shouldn't say."

Chen Pingjiang stared at the somewhat frightened and uneasy expression on Cong Nini's face, and after a while he slowly nodded.

"Don't go to see her if you have nothing to do in the future."

"I wasn't the one who approached Senior Yan Yan these two times. She was the one who took the initiative to ask me out, including the time when you bought the engagement ring."

Chen Pingjiang's mind instantly flashed back to the day when he bought the ring. Then all the clues connected together, and he broke into a cold sweat.

That might make sense.

Maybe Yan Yan already knew it...

Taking the initiative to ask Cong Nini to buy a ring might be a demonstration?

Chen Pingjiang smiled bitterly. This queen was indeed different.

"Okay, I got it. Have a good rest. I'm going back."

Cong Nini was not willing to let Chen Pingjiang leave so confusedly. She bravely pulled his arm and said, "Hubby, what's going on? Senior Sister Yan Yan knows about our relationship. Is she arguing with you or asking you to leave me? No!"

"Okay, stop thinking about it. Maybe I'm just scaring myself." Chen Pingjiang looked at Cong Nini's uneasy look, thought for a while, and patted her shoulder to comfort her.

"You scared me to death. I don't care. You have to stay with me tonight." After Cong Nini started to act coquettishly, she hugged Chen Pingjiang's waist tightly and didn't let him leave.

He took the initiative to take off Chen Pingjiang's shirt.

...

Although Cong Nini was crazy when she did it before, her craziness tonight was doubled compared to the past.

He looked like he wanted to suck Chen Pingjiang dry.

Maybe she was really scared, even in her trance-like state she still held Chen Pingjiang tightly.

On his way back, Chen Pingjiang gradually made up his mind.

Regardless of whether Yan Yan really knew or how much she knew, the affairs of these women could not be dragged on for any longer.

The longer it was delayed, the greater the damage to Yan Yan would be on the day of exposure.

There is no impenetrable wall in the world, and Ge Mengshi and Doubao can't be hidden forever.

Perhaps, Yan Yan is in a stage of doubt right now, but she just hasn't said it yet.

In the following week, Chen Pingjiang accompanied Yan Yan to visit Zhangjiajie and Jiuzhaigou.

In order to avoid being discovered, the two sisters Yin Zhen and Yin Hui were temporarily arranged to rest.

Fortunately, Yan Yan didn't show any strange behavior this week, which made Chen Pingjiang feel a little relieved.

…………

Almost as if the time was calculated accurately, Alibaba's Yu'ebao project was launched the day after Chen Pingjiang returned to Dongjiang.

This speed shocked everyone inside WeChat.

All in all it’s only 50 days!

"The partner of Yu'ebao this time is Huaxia Fund. These two companies are also the victims. They hit it off and reached a consensus on the cooperation and quick launch." Li Xi introduced: "What's more interesting is that Yu'ebao has connected with several funds this time, but Huaxia's product was the first to be launched. This shows that Huaxia Fund is also anxious. Seeing that it is far behind Tianhong, it can't save face."

"Huaxia Fund itself has similar products, but there is no sales channel, so it is inevitable to cooperate with Alipay this time."

During these 50 days, people from Tianhong Fund have been in the spotlight.

They appear in almost all Internet finance forums, and are greeted with flowers and applause. The theme of each speech is to share Internet thinking and tell how Zero-Balance Wallet "strikes back in the cracks".

This makes other funds and banks jealous.

In addition to Alipay, various companies have actually launched various "bao" one after another.

In fact, Alipay was forced to go online so quickly this time.

If it’s any later, WeChat will have eaten all the meat.

Because Yu'ebao was in a hurry, even though Jack Ma personally supervised the launch, there were still some delays when it came to the official launch.

Many fans of Alipay specially withdrew money, and transferred it from Zero-Balance Wallet to Yu'e Bao.

However, the bank notified that the money was expected to be deducted, but Yu'e Bao did not receive the money. Subsequently, it was notified that the transfer failed and the refund would take two or three working days.

Full of confidence yet in a state of confusion is a true portrayal of Yu'e Bao.

But Lao Ma is very optimistic, at least it is online.

Alipay even boasted on its official Weibo account that due to the large number of users, bank payment interfaces were too busy and congested, some transactions were delayed in updating, and deposited funds may be delayed in arriving.

As a result, the amount deposited in one day was only 10 billion.

"The other party is coming at us with great force. The seven-day annualized rate has reached 7%. With China's support, they still have abundant resources. Alipay has even invested tens of millions in cash red envelopes as prizes. I think it will pose a challenge to our Zero-Balance Wallet." Li Xi said worriedly.

Users will vote with their feet and go to the place that offers the highest interest rate. This is not a social app, users are just transferring funds, there is no cost.

Chen Pingjiang smiled and consoled: "This is the norm. We were the only one before. Look at it rationally. Think about it from another perspective. Isn't the pressure we are under much less now? Don't dream of monopolizing the market. It's impossible for one company to take over the market."

"The key points of the competition between Lingqiantong and Yu'ebao and even other financial products launched by banks and large companies are at two levels. First, who can provide users with better processing yields, and second, who can provide users with better services and payment application scenarios. Only by truly achieving the goal of shopping and financial management at the same time can they win."

There is some truth in what Chen Pingjiang said.

Although Zero-Balance Wallet seems to be doing well after its launch, it is actually under tremendous pressure.

It would be naive to think that the only competitor of Zero-Balance Wallet is Yu'e Bao.

Li Xi nodded: "Mr. Chen is right. This way, we are under less pressure. Some time ago, the senior executives of ICBC came to argue with me whether quick payment is illegal."

Chen Pingjiang raised his eyebrows: "Is there such a thing?"

Generally, Mr. Li would not bother Chen Pingjiang with things that he could handle, so it was normal for Chen Pingjiang not to know some things.

"We moved their cheese, causing their deposits to drop sharply. First, the upper limit of daily transfers from savings cards to Zero-Balance Wallet was reduced to 5000 yuan, and the Agricultural Bank of China and the Bank of Communications were persuaded to adopt flow control measures. Then, within two days, the Industrial and Commercial Bank of China stopped accepting our Zero-Balance Wallet agreement deposits and asked us to lower the expected returns to leave them a meal. What's even more outrageous is that a few days ago, all express channels except those in Dongjiang were closed, and now many banks have begun to limit the amount of transfers."

Chen Pingjiang nodded: "I know about this matter, let me handle it."

Zero-Balance Wallet is a groundbreaking product that is bound to affect the interests of many institutions. It is normal for it to be met with hostility.

It’s just like how WeChat’s video calls affected the interests of the three major operators.

In addition to banks, there is also pressure from regulators.

These things are not something Li Xi can handle on his own; Chen Pingjiang must take action personally.

Let’s do the math.

The pressure that Zero-Balance Wallet is under is really great.

There are competitors like Yu'ebao.

There are banks that are holding us back.

There are regulators watching.

Some people in the financial sector are slandering it.

Even the opponent has change to pass to himself.

Once the interest rate is lowered, the attractiveness of Zero-Balance Wallet will naturally decrease significantly.

Therefore, the emergence of Yu'ebao has indeed reduced the pressure on Zero-Balance Wallet.

“Both an opponent and a collaborator.”

…………

Jack Ma never expected that Chen Pingjiang would actually call him.

After pressing the answer button with confusion in my heart, Chen Pingjiang's hearty laughter came from the other side: "Teacher Ma, I haven't contacted you for a long time."

Ma Yun laughed dryly: "Why would Mr. Chen call me properly?"

Chen Pingjiang: "Teacher Ma, why are you so important? Do I have to have something to call you? Can we just chat?"

Ma Yun: "Mr. Chen, please stop teasing me. Our two companies are competitors. You must be cursing me in your heart."

Chen Pingjiang: "Lao Ma, we need to open up our horizons. Am I, Chen Pingjiang, such a petty person? We at WeChat welcome any competition. Only competition can promote the progress and development of the industry. On some level, we are still like-minded comrades."

After hearing this, Lao Ma couldn't help but twitch the corners of his mouth.

Are you born in the year of the dog?
Just now he kept calling me "Teacher Ma", which made me very happy.

It's become an old horse so soon.

Ma Yun: "It's good that Mr. Chen thinks so. I personally feel that no matter how we compete in business, we are still good friends in private. We can sit down and talk together when we have time. So, why are you calling today?"

Chen Pingjiang coughed lightly and said, "Let's cooperate and put pressure on the bank."

Ma Yun was silent for a moment.

Chen Pingjiang: "You have seen how ICBC treated us. Now it is trying to persuade other banks to attack Zero-Balance Wallet. We should be united in facing the outside world, at least without any external constraints, and then we can compete with each other."

Ma Yun didn't dare to speak for a moment.

Chen Pingjiang is such a weird person.

He had to think about whether there was any trap in this statement.

"Old Ma, please speak!"

After a long while, Ma Yun took a deep breath and said, "Now the banks are mainly disgusted with you. Our Yu'ebao has just been launched, so it should be fine."

Chen Pingjiang: "This is not the Ma I know. We were just talking about the overall situation. The overall situation is expanding! If Lingqiantong is targeted, why wouldn't your Yu'ebao be targeted? Unless you don't plan to develop Yu'ebao."

For a moment, Jack Ma really didn’t know how to answer. He couldn’t deny that what Chen Mingjiang said was true.

Since Zero-Balance Wallet has been targeted, banks will naturally target Yu'e Bao as well.

"Okay, I understand what you said. I'll hang up now if there's nothing else. Let's have dinner together in Hangzhou later."

After hanging up the phone, Chen Pingjiang pondered for a long time.

He may not intend to make much money from the Zero-Balance Wallet project, but ultimately his goal is to cultivate users' spending habits and encourage them to bind their cards.

After a long time, Chen Pingjiang called his secretary Xu Rui.

"Confirm the flight. We'll go to BJ in the next two days."

Regardless of whether Jack Ma takes any action, Chen Pingjiang plans to take the first step.

If Lao Ma was able to go against the banks back then, why can’t Chen Pingjiang?
Is it possible that my reborn self is worse than Jack Ma?
At his current size, he definitely cannot remain immune.

It is unrealistic to expect others to open up the connections for you and then enter the market to reap the benefits.

Now the others were looking at him.

As long as he sticks to the bottom line and doesn't touch small loans, Chen Pingjiang thinks there will be no problem.

Will the future not prove that the country supports Internet finance?

There will be no problem as long as you don’t go overboard like Jack Ma.

At the same time, Jack Ma, who hung up the phone, was filled with mixed feelings.

Although his inner reason and vision told him that he should listen to Chen Pingjiang.

But the practical interests told him that he could not do so for the time being.

If banks can curb the growth momentum of Zero-Balance Wallet, it will also be a good thing for Yu'ebao.

There is no right or wrong in business.

All I can say is that everyone has a different perspective.

If Jack Ma had taken the lead in launching Yu'ebao, he would also have taken the initiative to connect with banks and regulators.

Because that's his personality. Otherwise, how could he dare to say something that shocked the whole country at that conference?

6 month 1 number.

Chen Pingjiang updates his WeChat status.

He shouted a slogan that made people's blood boil.

“If banks don’t change, we will change banks!”

"The practice of major banks charging fees for inter-bank deposits, withdrawals, transfers and other services within the bank should be swept into the dustbin of history." (End of this chapter)