Chapter 834

"Jiange, separate our Alipay and set up a new subsidiary."

"Mr. Chen, who are you?"

"Before that, Alipay only served as our credit guarantee platform. It played a role in promoting everyone's online shopping. But now everyone is more confident about online shopping. I think Alipay can try to open more services. For example, transfer function."

After playing in Beishi for a few days, Chen Yu returned to Shencheng.

Yitong adjusted Alipay, and the newly established Alipay company was officially launched.

Of course, this independence is not just part of the company's independence.

The independence of the company's department is too simple.

As long as Chen Yu orders, Alipay can be independent.

The independence Chen Yu needs is to make everyone accept this payment instrument.

Because before that, we didn't have a concept of payment for Alipay.

They just think that Alipay is a guarantee platform, and it is not a payment tool.

So people have no idea of the transferring money to this platform.

This tool is used when shopping.

In fact, when shopping, they do not take the initiative to use it, but the platform will be forced to use it.

Of course, it's easy to popularize the idea.

You only need to open a series of transfer functions through Alipay.

As long as this function is turned on, many people will try it.

And they will soon find such a transfer function very convenient.

Because they only need to know the Alipay account, they can call each other.

Especially in the station transfer, almost seconds, and he can also save a handling fee.

However, the transfer function is easy to open, but it is not only related to the function.

He also involved banks.

The user's funds are transferred. Where is the money?

He can't put it on the platform, and the funds can only be put in the bank.

Which bank to cooperate with is the key to the problem.

It is different from the previous online banking business.

Online banking business is only a payment business, and the platform will not deposit funds.

Even if it is deposited, the user's funds will be transferred to the other party's bank account after payment.

However, if the transfer function is opened, especially the transfer function of Alipay account in the station.

In principle, your funds can always be kept on Alipay.

Therefore, there must be one or more banks to cooperate.

Obviously, although many people may not realize the funds this transfer function will bring.

But Chen Yu, who knows a lot about the future, knows that once this account transfer function is opened, the whole financial system may change.

Therefore, what Chen Yu needs to cooperate with must be a bank that has certain strength but can accept this business at the same time.

The natural strength of the four major banks is very large.

But Chen Yu will not consider them in the first batch.

The big four banks are not strong enough, but too strong.

At the initial stage of development, Chen Yu most wanted to avoid these giants.

Otherwise, these major banks have the power to stifle the growth of Alipay in the early stage.

In fact, the four major banks of later generations also had a huge struggle with ALI.

And they joined hands to launch a series of payment tools like Alipay.

But at that time Alipay had already become a big force, and the four big banks had no alternative.

Therefore, Chen Yu focused on Minsheng Bank.

Minsheng Bank is the only private bank in China.

Although his strength is not as good as the four major banks, it is also not as good as some other state-owned banks.

But it is stronger than ordinary local banks.

In addition, before that, Chen Yu had a layout and has been slowly absorbing the shares of Minsheng Bank in the secondary market.

Until now, Chen Yu looked at his account. Huanyu investment currently holds 4.99% of Minsheng Bank.

The difference is only 0.01 shares, reaching 5 points.

After thinking about it, Chen Yu went to Huanyu Investment Co., Ltd.

Huanyu investment is an investment company under Huanyu technology.

It is mainly to invest and acquire securities and other interested companies.

At present, the person in charge of this piece is Zhao Danyang, the godfather of private placement.

In order to dig Zhao Danyang, Chen Yu spent a lot of money.

"Mr. Chen, are you here?"

Knowing that Chen Yu came, Zhao Danyang greeted him at the door.

"Don't pay so much attention. I'll come and have a look. Let's go to your office and the others will disperse."

Waving his hand, Chen Yu asked others to go to other places first.

"President Chen, this way, please."

Enter Zhao Danyang's office.

Only six screens in the office were placed in various shapes around Zhao Danyang's desk.

On the screen, it shows the trend chart of each stock.

"Danyang, no, it's so professional."

Chen Yu said with a smile.

"Mr. Chen, I'll make you laugh."

Zhao Danyang smiled awkwardly and then said, "President Chen, I predict that there will be a big market in a shares from this year to next year."

"Oh?"

Chen Yu asked strangely, "how did you see it?"

"A shares have been hovering around more than 1000 points for more than ten years, but earth shaking changes have taken place in the domestic economy. Residents' income has also increased significantly, and house prices have reached new highs. At the same time, the domestic Internet has kept pace with the global pace, and even is in a leading position in many places..."

Speaking of this, Zhao Danyang looked at Chen Yu.

The biggest contribution of the Internet is the one in front of us.

"Don't flatter, go on."

"In addition, in the manufacturing industry, we have surpassed the United States and ranked first in the world. We are now a real world factory. But even so, our stock market still has no movement. I think the current stock market has fallen far behind the real economy. Once the opportunity comes, he will create a very big market."

"Good analysis."

Chen Yu nodded.

Worthy of being the godfather of private placement.

Combined with previous lives, the largest bull market of a shares was launched from 2005 to 2006.

This wave of market jumped from the lowest point of 998 to 6124, a full six times.

For some small and medium-sized stocks, they have increased dozens of times, some even hundreds of times.

This is a super bull market rarely seen in decades of A-share history.

However, at the moment, Chen Yu has no energy to spend time on the stock market.

"Well, the stock market forecast is over in the end. Dan Yang, I ask you, how much more money do we need? We can reach the shareholding ratio of 5% of Minsheng Bank."

"About 50 million more. However, President Chen, if our shareholding ratio reaches 5%, we have to raise cards."

"All I want is to raise my cards."

The listing in the stock market means that when investors hold more than 5% of the shares of a listed company, they must make a written report to the relevant departments, inform the listed company, make an announcement and clarify their identity.

Before, Chen Yu did not have too high requirements for the equity ratio of Minsheng Bank.

Moreover, in order to keep a low profile, Chen Yu has kept Zhao Danyang below 5%.

But now, in order to pay through, Chen Yu will stand up to Minsheng Bank for the first time.