Rewrite the Technological Landscape

The appearance of Dafeng Bank and Internet Commercial Bank must have attracted a lot of attention in a short period of time. The first hot topic in the next two days is the competition of credit scores and credit lines.

After opening an account at Dafeng Bank and binding Caifubao, users can check their credit scores and credit limits, and then a comparison will begin...

Moments of friends and hyacinth circles are full of people who share credit scores and credit lines. Although behind this is the comparability in the bones of humans, Meng Qian is very happy to see that everyone is willing to compare this thing.

"I really hope that everyone is willing to compare their credit, so that everyone will pay more attention to their credit. This thing itself is more important than whether to take a loan or not. If it can really increase the public's emphasis on credit in a subtle way, It's worth it." Meng Qian brushed his circle of friends and gave a thumbs up to the people in his circle of friends who posted credit scores and credit limits.

A bunch of bosses worth hundreds of millions of dollars are now competing in the circle of friends.

"But there are a lot of people who complain about us." Shao Yibo, who was with Meng Qian at the moment, said, "Many people say that the interest rate is too high."

"Credit loans do not require any collateral. They rely solely on credit loans. Is it abnormal that the interest rate is high? Besides, including our current preferential activities, the annual interest rate is less than 10%. There is no charge for repayment in advance. These complaints are not at all. I need to listen." Xiao Boshi, who was present at the same time, seemed a little dissatisfied with these complaints.

"When it comes to money, it is easier to make others feel uncomfortable. In fact, it is a normal thing." Meng Qian didn't want to discuss the matter of interest. "How is the market response of wealth management investment products?"

"The current response of financial investment products is slightly worse than expected." Shao Yibo looked through the data in his hand. "Recently, A-shares have become too popular. In addition, various P2P endorsements are better than others. With the guarantee from the Jade Emperor, the P2P annualized rate of return is getting more and more outrageous, and the annual revenue has doubled.

What’s even more frustrating is that several Ponzi scam products have appeared on the market recently, all claiming to be tens of times in a year, but the problem is that in the current environment, many people have lost their minds. It’s just such an obvious scam. Some people believe that there was a Ponzi scheme that just exploded not long ago, and many of the best students were deceived.

So now our fixed-income wealth management products are not coming to the table at all, and people don't like to take a look. "

"The stock speculators should be interested in our fund, and the return rate of our fund is still okay?" Meng Qian asked.

"Well... we may still underestimate the market's expectations for big A shares. Our ace fund's 150% return rate in the first half of this year was mocked by netizens for not stocks...

Now it’s said on the Internet that buying with your eyes closed is the daily limit, so what kind of fund to buy. "

"How much have the big A shares risen?"

"It's almost 4500."

"How much does the public opinion on the Internet think can rise to?"

"Now everyone is rushing for at least 6,000 points. Many experts are starting to look at 10,000 points."

"Why don't they look at 100 million points?" Meng Qian teased and suddenly felt that Shao Yibo's tone was a bit strange, and sensitively raised his head to look at him, "Are you also trading stocks?"

"Um... I voted a little bit."

"Just having fun." Meng Qian tapped him lightly and returned to the topic, "Then what are your plans for the next?"

"Increase marketing investment. There are always relatively rational people. We can attract this group of target customers. As for those who have lost their rationality, it seems that what we do is useless in a short time."

Meng Qian was silent for a while and scanned the comments on the Internet. He couldn't help but look a little serious, because Meng Qian saw a lot of unfriendly criticism on the Internet.

These critical voices are basically focused on one thing. Dafeng Group is not doing a good job of technology and is starting to take the direction of capital. Dafeng Group is China’s largest capitalist and China’s largest vampire. Now Dafeng Group is a bank to be a big capitalist. Up.

"We have another important layout in the financial industry just recently, right?" Meng Qian asked after looking at it for a while.

"Well, we plan to hold a special press conference at the end of the month."

"Then I think some things should be talked about.

Before, you always said that it is impossible for the state to approve private enterprises to open Internet banking, but now Dafeng Bank is opened and officially started to operate. It can be said that the state allowing the emergence of the Internet Banking is indeed a very important signal. A very important turning point in history.

Now Dafeng Investment and even Dafeng Group will further assume the status of a large capital in China. You need a clear direction, and I also need a clear direction.

How should we do this big capital? Everyone first said that we are an Internet company, and then we have an additional identity called a physical technology company, and in the future we will definitely be given the title of a financial company, finance and the Internet, and Entities are different and require a strong pursuit of profit. How are you going to face this change? "

"Mr. Meng has also seen the comments on the Internet? But haven't we been scolded by capitalists all the time? Why should Ms. Meng care? Our Dafeng Investment has been engaged in investment work before Dafeng Bank."

"But the problem is that we are now opening a bank in China. This is a symbol, do you understand? Banks have a special meaning, which is different from a simple investment company, and domestic banks and foreign banks also exist. the difference.

But because we are a private bank, we need a definite model. As the first batch of private network entrepreneurs in China, if done well, we are great pioneers, but if we do not do well, we will become sinners of history. Not impossible. "Meng Qian looked at Shao Yibo seriously.

Shao Yibo still remained calm. "I know what Mr. Meng is worried about. I can only say that my original intention has not changed so far. Some time ago, I took the initiative to find a supervisory authority to establish a convenient supervisory system, not because of what they said. Sensible, but because I know where the baseline of DaVang investment is.

Finance can actually be done, just as many people have learned through Dafeng Group that Internet products are also high-tech. The reason for the financial crisis in the United States that year was because too many low-quality financial products circulated in the world. How to do the financial industry The truth is the same, that is, to create truly high-quality financial products and reject the issuance of low-quality financial products. "

"Good technology products will always make money in this era, but good financial products may not make money in this era. The current situation is not the best verification. Although those Ponzi schemes are scams, they may be within a year. There is a lot of money in it."

"But as Mr. Meng said, we opened a bank in China." Shao Yibo said at the point in Meng Qian's heart. "If good financial products are not profitable, if the profit-seeking nature of capital must be magnified, If we say that the bank is to take the best interests as the first driving force.

So, isn't this just a good time to create new rules? President Meng is constantly establishing new rules of the game in so many fields. Why can't we do this in the capital field? "

Meng Qian watched Shao Yibo silently beckoning him to continue~www.ltnovel.com~ We always talk about social responsibility and social responsibility. I don’t care what the western financial rules are. We are a Huaxia enterprise, and our ultimate direction of social responsibility in Huaxia It's very clear, isn't it just that some people get rich first and then drive others to get rich together?

In this process, can huge financial institutions do something? Can you use your investment ability and your overall planning ability to achieve self-interest enhancement and user benefit enhancement?

Would it be a possibility to use this ability as a way to drive another group of people to prosper together?

As an Internet company, as a physical technology company, we have been cooperating with other companies. When we were a financial company, we would cooperate with users.

We use their money to earn higher profits, and then distribute them more profits, isn't it also a win-win cooperation? "

"Is there a win-win situation in the capital market?"

"If we combine capital with entities to create entity value, isn't it possible to achieve a win-win situation? And when Dafeng Bank confirmed the opening, I have been thinking about these issues myself, and I even think I can challenge a new capital system.

If I can really make a new set of capital rules based on our Huaxia goals, and then write a "New Capital", maybe it will go down in history! "

Meng Qian looked at Shao Yibo’s eyes. Compared with the time when he first came into contact, Shao Yibo was obviously more confident at this time, and his vision and pattern were obviously on a higher level. Hearing what Shao Yibo said, Meng Qian finally put down and showed seriousness With a relieved smile, "Then I will wait for your "New Capital". I will book the first book first."

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