Chapter 3781

Move the cheese of the bank!

Lin Feng's eyes narrowed and he was very interested in himself. Especially these four big lines, this time taking advantage of the fire to rob, Lin Feng's heart had already been angry. Lin Feng is willing to move their cheese.

"Mr. Lin, as we all know, there are few investment channels for ordinary people in China. They either put them in the bank to earn a little interest, or put them in the stock market, hoping to make some money." Ma said excitedly, "as far as the savings of the four major banks are concerned, although the stock market is in a bull market and many people have invested in the stock market, there are still a lot of private deposits. The deposits of the four major banks exceed several trillion yuan. And the return on that money is very low. "

Lin Feng nodded. Today's state-owned banks almost lie down to make money. The money saved by the common people, they use very low interest rates to collect savings, and then lend it out at several times high interest rates. This money is really easy to earn.

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

"Change? How to change it? " Lin Feng hesitated. Its "second bank" operates according to the Western model, but in fact, after entering the country, except for being tied up with the "second world", which makes the four major banks a little helpless, the rest of the banks still can't compete with the four major banks. Why? It's simple. Monopoly. The policy bias has made our "second bank" very discriminated against in China. Except for a few first tier cities, they are not allowed to set up branches in other second and third tier cities. As a result, many people will not deposit their money in their own banks at all. In addition to young people, they can shop on dingdang.com and consume in the second world through the second bank.

"Very simply, we offer a balance value-added service, similar to the wealth management products launched by banks. But the bank's financial products need tens of thousands of yuan to start, and there is a fixed time, and we do not need. Deposit and withdraw at any time, no lower limit, even 1 yuan or 1 cent can be used for balance investment, and enjoy the interest far beyond the bank's current deposit. " Ma Yun said excitedly, "at present, the interest rate of five-year fixed deposits of major banks is about 3.7%, while the interest rate of current deposits is 0.38%. And we can introduce at least 5% of the balance value-added interest. If it is launched, I believe the people will be willing to put money in! "

Lin Feng's eyes brightened.

"How to make a profit, and how to ensure that users can access money?" Asked Lin Feng.

"Mr. Lin, it's very simple about profit. In fact, every time the major banks lend money, it is basically more than 10 points of interest. After we gather a large amount of money, we can sign a large amount of fixed investment agreement with the bank, which can generally be about 8 points. In this way, we will be able to earn a little difference. Although it is not much, it is better because we do not pay the money. Moreover, when we have more capital, the profit will be very high. What's more, we can also make loans to those enterprises in urgent need of loans and make various investments. This will ensure our interests. As for access to money, the value added service will be built on the basis of "Alipay", that is to say, all money is transferred through major banks and Alipay. So, just need a computer, a cable, opened online banking, you can enjoy the balance of value-added services Ma said excitedly.

Lin Feng carefully calculated, if so, it will attract a large number of users to transfer funds to "Alipay". After all, for the vast majority of people, they are still more able to accept the traditional value-added services, that is, putting money in the bank. Although the stock market is extremely hot now, many people even mortgage their houses to speculate in stocks, but there are still trillions of RMB in the bank. After all, most of the people who dare to enter the stock market are those who are eager to get rich and have avant-garde ideas. However, more people are more conservative and more content with the status quo to deposit their money in the bank to collect interest.

But the interest of the bank is only a little bit, and the interest of the current deposit here can exceed 5 points. How can this not attract people. Therefore, Lin Feng has absolute reasons to believe that ordinary people will deposit their money in Alipay.

"Is there any risk in this balance value-added service?" Asked Lin Feng.

"Mr. Lin, of course, there are risks, but since" Dingdang net "belongs to you, the risk is almost zero in my opinion." Ma Yun sighed.

"Oh, what's the 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'm afraid that its network port will be invaded by hackers. I believe Mr. Lin's technical strength can prevent this. After all, the "second world" has never been hacked, believing that Alipay can do that. The second point is whether the banks will clamp down on this balance value-added service, and whether they will worry about the impact of our balance value-added service on them. But with Mr. Lin's position in China, I believe this can be solved. So the risk is almost zero. " Ma Yun pauses a little, his face shows the last trace of dignified, "the only worry is whether the mobile phone client will be invaded by the virus, resulting in the loss of customers' funds! After all, the mobile phone virus has been heard for a long time. Although many people have not been infected, it does not mean that there is no virus in the market. Once poisoned, and the customer does not understand the computer, the loss is extremely huge. "

Lin Fengwen said, but he laughed.

"Don't worry. You can rest assured about that. When the next generation of smart phones come out, the mobile phone virus will disappear. " Lin Feng said confidently. Just like later generations, the IOS system is almost virus-free. Because of its closeness, all software must go through the official audit of apple before it can pass. Naturally, viruses can be eliminated. The only possible case of poisoning is that you "escape" and lead to poisoning. And another system Android, because it is open, anyone can release software at will, so mobile phone virus is rampant.

Lin Feng's Pangu system, like IOS, is closed. Although open source brings endless changes, it also brings instability to the system, and its user experience is also extremely poor. Therefore, the closure of the "Pangu system" will naturally prevent viruses. Of course, this does not mean that customers' funds will not be stolen. After all, in any case, there is an extreme environment. For example, if your mobile phone is stolen, your wallet is also stolen, and your ID card, credit card and so on happen to be in your wallet, and then the swindler knows your bank card password, in this case, your funds may be stolen. However, this is the most extreme situation. It may not happen to one person in a million people.

"By the way, what's the name of this balance value-added service?" Lin Feng asked with a smile.

"I want to name it yu'ebao." Ma said excitedly. Lin Feng means that Lin Feng has agreed to his plan, and he can do his best. Finally find a place where you can show your talents.

"Yu'ebao, it's good. It's a good name. I'm very satisfied." Lin Feng nodded, the name is very good, easy to understand

"Then Lin Feng, you agree to this plan!" Liu Yingying just chimed in at the moment.

"Well, of course. In this way, from today on, Ma Yun, you will be the president of Alipay, manage all the operations of Alipay, and be the chief operating officer of Ding Dong. Lin Feng immediately announced, "at the same time, I will give you a task. If you can gather 300 billion yuan in four days, I will give you a big red envelope."

Ma Yun was as excited as chicken blood when he heard the speech. He immediately issued a military order to ensure that he would raise at least 300 billion yuan to enter yu'ebao within four days. Later, after Ma Yun left Lin Feng impatiently, he left without waiting for Liu Yingying.

"Ha, Yingying, it seems that your work will be very rhythmic in the future!" Lin Feng joked.

"Ha ha, Ma is always a talented person. He just met you. Otherwise, I think Alibaba, which he created before, should have been successful. And he has been floating for so long, eager for a platform. You've given him a platform now, and he's naturally full of energy. " Liu Yingying sighed and said, "by the way, more than 300 billion yuan will be raised in four days. Is that possible?"

Naturally, this young man has no problem, but what about the middle-aged and old people? Can they operate computers? Now, in this case, the middle-aged and old people have more savings than the 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 expected to say.

"By the way, what are you going to do with that 80 billion dollars?" Asked Liu Yingying.

"At present, there is no way for the company. It depends on whether Ma Yun, the" yu'ebao ", can help me raise funds. As long as it exceeds 300 billion yuan, I can repay this 80 billion dollar debt. " Lin Feng said.

At present, Lin Feng's remaining channels, all kinds of human relations, can raise 50 billion US dollars. If Ma Yun solves another $30 billion, there will be no problem at all. Originally, Lin Feng intended to see if he would use some of his resources to coerce the top and let the top issue the red headed documents to give him a loan. Now, I don't need to.

Ma Yun, it depends on how amazing you are.