Chapter 750

The host and the guest enjoyed a meal.

That's how people are built.

Gao Wen vaguely heard that the official forces represented by Wu Xingchang seemed to want to unite Chen Liang to make some articles on the virtual economy and the financial system.

But she didn't quite understand what was going on and didn't listen carefully.

After all, these things are too far from her.

"Why do they think Ma Yun is Zou yuanbiao who sells straight to Shanjun? I think Ma Yun is very good. He has changed this era."

Sitting in the car, Gao Wen couldn't help saying.

She has no friendship with Ma Yun. The reason why she says so is entirely out of a righteous heart.

After all, Ma Yun's influence on this society can be seen by human eyes.

"In fact, businessmen are like your artists. What outsiders see is just the human design they have created."

Chen Liang started his car and whispered: "everyone only saw that he forced supervision with 'innovation', but few people paid attention to ant selling private debt on a commission basis, fund financing on a commission basis, P2P capital channel, equity crowdfunding and mutual insurance... Few people know how much thunder has exploded in these business models."

"But he does provide convenience for people, such as when many people are in urgent need of money..."

Chen Liang naturally understood what she was going to say.

"What you want to say is the two small loan models of ants, right? Take Huabai as an example. The nominal installment interest rate is 8.8%. After the repayment of equal principal and interest, the real annualized interest rate is close to 18%, which is only a lot more than the credit cards of major banks, let alone borrowing.

Of course, if you say that ants can solve people's urgent needs, there is no denying it. "

Relying on the system step by step to today, Chen Liang did not feel that he would sit back and enjoy his success. He was still learning business knowledge.

Like all business people, he naturally studied the success of ants.

To put it bluntly.

The success of ants is a story of Russian dolls. To solve it simply, these are the steps.

1. Two small loan companies were registered with a registered capital of 3 billion.

2. With double leverage, he borrowed 6 billion from banks and got 9 billion capital.

3. 9 billion capital loans, and 20 billion can be released according to the requirements of leverage ratio.

4. ABS was issued with packaged assets, with more than 40 times of revolving financing in three years, forming a scale of more than 300 billion.

5. Repeat steps 2 and 4 to increase the total assets.

6. Before the increase in overdue rate and bad debts was exposed, it coerced more capital into listing.

Do you think the plot is a little familiar?

The subprime loans of that year, cats and dogs can borrow housing loans, the housing loan assets are packaged with ABS, the bank's social security is bought, and finally sold to leeks in the form of financial insurance

There is an old saying "don't forget the well digger when drinking water". Without the weak supervision in those years, there would be no huge ants today.

However, the horse head is rich and cheap, but he doesn't sell well. He has to say that there is no domestic financial system. Is he going to give the green light to regulation all the time?

It's really inflated.

Even for himself, Chen Liang felt that he would "knock".

"You mean, he is a liar fishing for fame?"

Gao Wen is a little hard to accept.

Chen Liang was silent.

"Let me tell you, in recent 20 years, Ma Yun is the second most skilful businessman in China except Liu Chuanzhi of Lenovo. Considering that the former has rich institutional background, to be exact, Ma Yun is the largest skilful businessman in China in recent 20 years. He has accumulated rich resources in business, politics, academia, entertainment and other fields, and no one can surpass him Person.

He has been received by senior officials from the United Nations to many governments, and the official honors should be worth it. The Ali Department has been inspected by leaders at all levels.

In shopping malls, Ma Yun not only founded a huge Ali Empire and ranked the richest man in China with a value of 400 billion, but also a founding member or core member of several top circles in China, such as Taishan society, Jiangnan society, Huaxia Alumni Association and Entrepreneur Club.

In the list of ant shareholders who were only a short step away from listing not long ago, you can more clearly see Ma Yun's circle of friends, including oceanwide Lu Zhiqiang, new hope Liu Yonghao, Midea he Jianfeng, Haier Zhang Ruimin, giant Shi Yuzhu, Fosun Guo Guangchang, etc.

Ma Yun tied a number of billionaires to himself through various ties. Of course, the latter was willing to escort him at the critical moment.

In academic circles, we all know that Ma Yun not only became a guest of many well-known universities through donation and cooperation, but also created a lakeside University, and even directly promoted the establishment of West Lake University.

Not to mention the entertainment industry, you should also be very clear that a film of gongshoudao is enough to explain some problems. "

Chen Liang is not anxious, not slow, impartial, and always stands in the position of an outsider.

"It's certainly inappropriate for you to say that such a person is a liar, but anyway, all these resources he built should not be able to save him now, because he broke into a restricted area that businessmen should not touch: finance and people's livelihood."

"In the past ten years, Ali first defeated eBay and Amazon by using millions of merchants through the free strategy, and also made physical stores sad. When a dominant company turned its sickle to online merchants, it made online and offline merchants complain. Originally, this was nothing, but he shouldn't think he was really God bound and omnipotent. In the theory of heavyweight finance In front of a group of financial elites, he bombarded the banking industry and regulatory policies. He forgot that only a small amount of money is his own capital, mostly from the banking system, and the latter carries the risks.

At the same time, the reason why ants can grow savagely for many years is also the result of the regulatory authorities encouraging innovation. If they were included in the regulation earlier, there would be no ants today. This practice of "eating meat with a bowl and scolding mother with chopsticks" is obviously intolerable.

More importantly, Ma Yun's speech also aroused concerns among the regulators. How many security risks will the so-called financial technology giant be filled with? How many systemic risks will it pose? Once the ant explodes, the problems will not be entirely the business of a company, but will cause a financial crisis through a series of capital chains Financial shock. This is the fundamental reason why ant IPO was urgently stopped.

However, Ali keeps increasing the community group purchase and grabbing business from vegetable traders, which makes higher levels feel uneasy. Food is the most important part of all livelihood projects. From officials at all levels to various media, it has to be repeated countless times every year. However, what are the hearts of these internet giants?

Their idea should be to let consumers develop the habit of buying vegetables online through huge subsidies, and then raise the price to harvest users after all the vegetable markets, convenience stores and fruit and vegetable stores close down. At that time, people's three meals a day have become a problem. What else do they want to study and work?

Therefore, Ma Yun's downfall is not a change in the world, but the tusks exposed by some Internet giants make a country tremble. "

Gao Wen was stunned and shook her mind for a long time. She looked at Chen Liang with eyes that were almost worship.

No wonder this man can have today's success.

How many people can compare this insight?

Chen Liang didn't notice the big flower's crazy eyes around him.

In fact, he still has a guess about Waterloo of ants, but he can't be sure.

——The pair of eyes mentioned by Gu Hengbo appeared on the treasure drawing.