Rebirth: Dominate The World, Starting From The School Network

Teacher Ma and the others are still immersed in the joy of Ali Baba's successful listing in Hong Kong and the favor of investors from all walks of life.

If I knew that the senior management of the Future Group was discussing whether to enter the e-commerce field personally, I am afraid that I would immediately send Feidi to Sioux City to find Lu Yi. Let me tell you, you are the major shareholder of Ali Group. What are you doing in person? Isn't it better to just lie down and count the money?!

"Director Lu, what do you think?" Lu Qi looked at Lu Yi, "Most people in the company are in favor of developing P2P, e-commerce and online payment businesses."

Everyone present looked at Lu Yi.

In the face of such a major strategic decision, if Lu Yi does not make a decision, it will be impossible to enter the practical stage.

In fact, both the outside world and the company are very confused about this.

Zhifubao was officially launched in 2004. Within three years, the number of users exceeded 60 million. No one believed that Lu Yi, a son of the Internet, could not see the huge market here.

Since Lu Yi could see it and see the development prospects of this market, why didn't he take action?

Lu Yi did not speak immediately. He tapped his fingers on the table. After thinking for a while, he said: "First of all, let's be clear. P2P is basically finance now. We don't do this business. P2P finance is killing people."

"The domestic personal credit system is not perfect and the regulatory policies are lagging behind. It is destined that some criminals will take advantage of this loophole to carry out illegal fund-raising and other security incidents in the P2P industry."

"Although our future group will do business in this area, this situation will not happen, but once there is a large-scale explosion in this industry, the public's verbal criticism will not be directed at a certain P2P company, but the entire industry. At that time, In the future, our group's reputation and goodwill will inevitably be criticized by the public, saying that we are a public eater of steamed buns made of human blood."

"For our group, we would rather not make this small amount of money than destroy the brand of our Future Group. Once our reputation in the public's mind collapses, it will be the beginning of our group's decline."

"So, in the P2P area, not only P2P financial credit, but also other P2P models, we must treat it with caution."

"We are not a small company now, but a large international group with tens of thousands of employees. We can make small mistakes, but we must never make big mistakes. This is the red line and the bottom line!

These words made the executives present look tense.

The prototype of the P2P online lending model was jointly created by four young people from Eagle Country: Richard Dewar, James Alexander, Sarah Matthews and David Nicholson.

In March 2005, Zopa, the world's first p2p online lending platform founded by them, went online in Lunquan.

Today, Zopa's business has expanded to Italy, the United States and Japan, with an average daily online investment of more than 2 million pounds.

Although P2P only started to emerge on the domestic Internet this year, the industry is very optimistic about the P2P business. After analysis within the company, they all agree that P2P is likely to explode next year and become a hot spot and a new gold mine.

But now, Lu Yi actually poured cold water on all of them. He was very unfavorable about P2P and directly sentenced P2P to death.

Everyone who can sit here is mediocre.

They saw the development prospects of P2P and predicted that P2P would explode next year. In fact, this is the direction of history.

In China, the earliest P2P online lending platform, Paipaidai, was established in 2007.

In the following years, domestic online lending platforms were still rare, and few entrepreneurs got involved.

It was not until 2010 that online loan platforms were favored by many entrepreneurs, and some testers began to appear one after another, such as Jinshangdai. The platform entered a period of rapid development, and a number of online loan platforms were launched enthusiastically.

In 2012, domestic online lending platforms entered an explosive period, with online lending platforms springing up like mushrooms after a rain, and about 400 of them are relatively active.

Entering 2013, online loan platforms are booming, growing at a rate of 1-2 online every day. The imbalance between capital supply and demand caused by the substantial increase in the number of platforms has begun to gradually emerge.

The P2P business was directly rejected by Lu Yi. Everyone present knew that even if the P2P business was booming, it had nothing to do with the Future Group, because the Future Group would definitely not be able to do it.

Just now, Lu Yi has made it very clear the explosive aspects of P2P online lending.

Once a P2P platform fails to repay investors' principal and interest due to overdue payment or poor management, problems such as platform suspension, liquidation, legal person running away, platform loss, and bankruptcy will arouse social concern.

Future Group is indeed a big business. The risk of P2P explosion is extremely low, but it does not mean that there is no risk.

Because there are no risk-free products on the market!

Even if Future Group's P2P business does not explode, other P2P platforms do. Under the influence of society and the promotion of new people, it will inevitably affect the fish in the pool, and Future Group will not be immune.

Once it triggers nationwide public criticism, not to mention the P2P business, other business sectors of the group will be seriously affected in the future.

Naturally, they would not doubt what Lu Yi said, because they could also see the hidden dangers in P2P.

The reason why they still want to enter this field is because they are lucky and feel that in the future the group will not have the problem of bosses taking money and running away like other platforms.

Lu Yi glanced at everyone and said: "As for the e-commerce business sector, we don't have to do it ourselves, just follow the investment model. Needless to say, Ali Group will definitely become a big brother in the domestic e-commerce field in the future."

"But this does not mean that Ali has no rivals in e-commerce. eBay was defeated by Ali because it no longer respected localization. However, e-commerce companies like Jindong, which was established in 2004, are very It may become a strong competitor of Ali. We can pay more attention to it and invest in Jin Dong when necessary.

Everyone looked at each other again.

Well, Lu Yi was beaten to death by Lu Yi when he entered e-commerce. It was time to take the investment route.

"As for the online payment platform, we naturally have to launch our own products, but it is still too early and we have to wait."

hold on?

Everyone couldn't understand Lu Yi's thinking when they heard this.

Since it’s something to do, it’s naturally better to do it sooner, so why wait?

Will Zhifubao completely monopolize the domestic online payment market?

Normally, the sooner you enter, the better. After all, if you enter the market early, no one will compete, and you can quickly seize market share. Now Lu Yi has to wait a little longer. Isn't this a disguised increase in level difficulty for himself?