Rebirth of the Evil Life

The cheese of moving the bank!

Lin Feng narrowed his eyes and was very interested in this himself. Especially for these four majors, Lin Feng's heart has long been angry when he took advantage of the fire this time. Lin Feng expressed his willingness to move their cheese.

"Mr. Lin, as we all know, ordinary people in China have very few investment channels, either in the bank and earning the pitiful interest, or in the stock market, with a frightened hope that they can make a little money." Jack Ma showed excitement, "Just four. Regarding the savings of major banks, although the stock market is currently in a bull market, and many people have invested money in the stock market, there are still large deposits in the private sector. The deposits of the four major banks exceed several trillion yuan. And the income from this money is very high. low."

Lin Feng nodded. Today's state-owned banks almost lie down and make money. The money that the ordinary people deposited, they used extremely low interest rates to collect the savings, and then loaned them out at several times higher interest rates. This money is really easy to make.

"But even if ordinary people know that bank money is easy to make money, they have nothing to do. Because this is a monopoly, ordinary people have no choice but to accept it." Ma Yun clenched his fists tighter and tighter, and his eyes began to shine, "and we are You can change all of this."

"Change? How to change?" Lin Feng hesitated. My own "Second Bank" operates according to the Western model, but after entering the country, apart from being **** with the "Second World", making the four major banks a little helpless, the rest of the bank is still unable to collect reserves. Fight hard with the Big Four. Why? It's simple, monopoly. The policy bias has made his ‘Second Bank’ be discriminated against in the country. Except for a few first-tier cities, they are not allowed to build branches in other second- and third-tier cities in China by their own ‘second bank’. This leads to. Many ordinary people will not deposit money in their own banks at all. In addition to young people, they can shop on Dingdong.com through the second bank. Spend in the ‘Second World’.

"It's very simple. We launch a balance value-added service, similar to the wealth management products launched by banks. It's just that the bank's wealth management products require a threshold of tens of thousands of yuan, and there is a fixed time, and we don't need it. Deposit and withdraw at any time, There is no lower limit, even 1 yuan or 1 cent can be used for balance investment. And enjoy far more than the interest of bank demand deposits." Ma Yun excitedly said, "At present, the five-year fixed deposits of major banks have an interest rate of about 3.7%. , The current interest rate is 0.38%. And we can introduce at least more than 5% of the balance appreciation interest. If it is launched, I believe the people will definitely be willing to deposit their money!"

Lin Feng's eyes lit up.

"Then how to make a profit, and how to ensure that users can deposit and withdraw money?" Lin Feng asked.

"Mr. Lin, the profit is very simple. In fact, every major bank lends money out. Basically, it is more than 10 points of interest. After we have gathered a large amount of funds, we can sign a large-scale investment with the bank. Agreement, generally can have about 8 points. In this way, we can make a little difference from it, although it is not much. But the victory is that the money is not ours, and after the capital is more, the profit is also very high. Not to mention other than that , We can also lend to companies that are in urgent need of loans, and can also make various investments. This can ensure our interests. As for deposits and withdrawals, this balance value-added service will be built on the basis of "Alipay". That is, Said that all money is transferred through major banks and Alipay. Therefore, you only need a computer, a network cable, open online banking, you can enjoy the balance value-added service!" Ma Yun said excitedly.

Lin Feng made a careful calculation. If this is the case, it will indeed attract a large number of users to transfer funds to'Alipay'. After all, for the vast majority of ordinary people, they are still more able to accept traditional value-added services, that is, put money in the bank. Despite the fact that the stock market is super hot now, many people even mortgage their houses to speculate in stocks, but there are still trillions of yuan in the bank. After all, most people who dare to enter the stock market are people who are eager to get rich and have more avant-garde thinking, but more Many people are more conservative, and are more content with the status quo to deposit money in banks to collect interest.

But the bank interest is only so little, and here demand deposits can be more than 5 points of interest, how can this be unattractive. Therefore, Lin Feng has absolute reasons to believe that ordinary people will deposit money in Alipay.

"Are there any risks in this balance value-added service?" Lin Feng asked.

"Mr. Lin, there are risks naturally, but because the'DingDang.com' is under your banner, the risk is close to zero in my opinion." Ma Yun sighed.

"Oh, what is this saying, let's hear it!" Lin Feng asked curiously.

"Mr. Lin, the biggest risk comes from the crime of stealing passwords on the Internet. I am afraid that its network ports will be hacked, and I believe that with Mr. Lin's technical strength, this can be eliminated. After all, it can be avoided. Let the'Second World' have never been hacked, I believe Alipay can do this. The second point is whether the bank will clamp down on this balance value-added service, and whether they will worry about our balance value-added service impacting them . But with Mr. Lin’s status in the country, I believe this can be solved. Therefore, the risk is almost zero." Ma Yun paused slightly, showing a final touch of dignity, "The only concern is whether the mobile client will be affected by the virus. Intrusion, resulting in the loss of customers’ funds! After all, mobile phone viruses have already been heard. Although many people have not been infected, it does not mean that they are not on the market. Once the virus is poisoned and the customer does not understand computers, the loss is extremely huge ."

auzw.com Lin Feng smiled when he heard this.

"Don't worry, you can rest assured about this. When the next generation of smart phones is launched, the mobile phone virus will disappear." Lin Feng said confidently. This is like later generations, the ‘ios’ system is almost virus-free. Because of its closed nature, all software must be approved by the ‘Apple’ official review. This can naturally rule out viruses. The only possibility of being poisoned is that you are ‘jailbreak’, causing you to be poisoned. The other system, Android, is open, so anyone can publish software at will, so mobile phones are virus-prone.

And Lin Feng's ‘Pangu System’, like ‘ios’, is also closed. Although open source brings endless changes, it also brings system instability, and its user experience is also extremely poor. Therefore, the closure of the ‘Pangu system’ naturally does not contain viruses. Of course, this does not mean that customers' funds will not be stolen. After all, there is an extreme environment in any situation. For example, if your mobile phone is stolen and your wallet is also stolen, and the wallet happens to have your ID card, credit card, etc., and the scammer knows your bank card password, in this case, your funds may be possible Will be stolen. But this is the most extreme situation, and perhaps no one out of a million people will have such a weird thing happen.

"By the way, is there any name for this balance value-added service?" Lin Feng asked with a smile.

"I want to name it'Yuebao'." Ma Yun said excitedly. What Lin Feng meant meant that Lin Feng had agreed to his plan, and he could flex his muscles. Finally found a place where I can display my talents.

"Yuebao, yes, this name is good, I am very satisfied." Lin Feng nodded, the name is very good and easy to understand.

"Then Lin Feng, you agreed to this plan!" Liu Yingying only interjected at this moment.

"En, of course. In this way, starting from today, Jack Ma, you will be the president of Alipay, in charge of all operations of Alipay, and concurrently the chief operating officer of Dingdang.com." Lin Feng announced immediately, "At the same time, I give you a task. If you can gather 300 billion RMB in four days, I will give you a big red envelope."

When Ma Yun heard this, he was as excited as a chicken blood, and immediately issued a military order to ensure that he must raise at least 300 billion yuan to enter Yu'e Bao within four days. Later, after Ma Yun eagerly said goodbye to Lin Feng, he left without waiting for Liu Yingying.

"Ha, Yingying, it seems that your work will have a sense of rhythm in the future!" Lin Feng said jokingly.

"Hehe, Ma is always a talented person, just ran into you, otherwise I think the'Alibaba' he created before should have been successful. And he has been up and down for so long, desperately eager for a platform. You now give him a platform, He is naturally very energetic." Liu Yingying sighed and said, "By the way, more than 300 billion yuan has been raised in four days. Is this possible?"

This young man is naturally fine, but what about the middle-aged and elderly people? Do they operate computers? In this situation, middle-aged and elderly people have more savings than young people.

"I don't know, but Ma Yun agreed so readily. I think he should have a way. Let's see what he can do!" Lin Feng said expectantly.

"By the way, how are you going to solve the 80 billion US dollars?" Liu Yingying asked.

"At present, the company has nothing to do. It depends on whether Jack Ma's "Yue Bao" can help me raise funds. As long as it exceeds 300 billion yuan, then I can repay the $80 billion debt." Lin Feng said .

At present, Lin Feng's remaining channels are owed by various favors, and he can raise 50 billion U.S. dollars. And if Jack Ma solves another 30 billion US dollars, there will be no problems at all. Originally, Lin Feng planned to see if he would use some of the resources in his hand to threaten it, and let him write a red head document to lend himself. Now it seems that I don't need it anymore.

Ma Yun, it depends on how amazing you are. (. If you like this work, you are welcome to come to the starting point to vote for recommended votes, monthly tickets, your support is my biggest motivation. For mobile phone users, please go to m. to read.)