Chapter 1395

Lanshan club.

On the golf course, Li Dong and several other people started chatting while waving clubs.

As for how to play the ball, a few people are not too concerned about, just looking for a pastime.

Ma Yun frowned: "in fact, we are facing the biggest two problems.

First, if you want to open the market, the rate of return must be higher than that of the bank on a regular basis.

But once it is higher than the bank's regular period, it is completely opposite to the bank, and our pressure increases infinitely.

Second, risk.

Not only the risk of users, but also our risk.

Once faced with large-scale redemptions and fund shrinkage, we are in big trouble.

You said to take the T + 0 redemption mode, this mode of risk is extremely terrible.

It's easy to say that you can take whatever you want.

In the face of centralized redemption, we don't even have time to prepare.

Once the funds can not arrive at the account, the entire Internet financial system will collapse. "

Li Dong, waving his club, said: "there must be risks. Any business related to finance has its risks.

No more than size!

Our goal is to minimize this risk.

In the early stage, we mainly invested in some short-term bonds, treasury bonds, commercial bills, central bank bills, interbank deposits

When it is stable in the later stage, we can consider corporate bonds with a higher rate of return, social infrastructure projects, large amount of long-term fixed deposits

As for the centralized redemption, it depends on the credibility of the enterprise.

If the credibility of the enterprise is enough, the probability of this kind of event is too low.

Enterprise credibility is not enough, then you can find your own way, anyway, the enterprise credibility in the distance is still enough.

If there is a risk, I still have the ability to resist.

In terms of remote retail, the daily revenue plus the mall is close to 1 billion. As long as the scale of the outbreak is not too large, I am confident that I can resist it.

Of course, the possibility of such a situation is very low.

Chinese people are the most stable and reliable people in the world.

As long as you do not wantonly use their money, forcing them to the end, there will be no such possibility.

Of course, this is our passive idea. To be more active, we should do a good job in risk control.

We are not professionals, and we can't do all aspects of risk control, so we have to rely on professionals to do this. It is not of great significance for us to discuss this now.

Taking advantage of the fact that the economy is just beginning to recover and everyone is at a loss about how to invest, the faster we come out of the virtual money fund, the greater the return.

Say yes in advance. I'm very fast.

At the end of February, I will purchase a fund company, and I will start to apply for going online in March.

As long as it is approved, I will be officially launched before April.

You don't dally with me, dally for a few months, half a year, then I'll play by myself.

Although the risk is a little high, if I am in the advanced market, as long as the pressure is blocked, and you enterprises follow suit, how much money do you want to collect? Daydream.

Again, t + 0, you can take a stronger model than me.

You should be weaker. I think t + 1 is more appropriate. "

Li Dong said it seriously, which is also true.

Although the difference is only one day, the meaning is completely different.

T + 0 is the balance treasure in the future, which can be retrieved with deposit.

T + 1 is to give the fund company a day of preparation time, if faced with risk problems, can have time to adjust and rescue.

Seeing that they were still thinking, Li Dong said: "in fact, the risk is smaller than what we thought. I said that the deposit and take is not unlimited.

A ceiling can be set to reduce this risk.

Now, that's what our balance accounts actually do, and we've accepted this model.

Last but not least, the profit is great!

After the realization of online direct purchase, our marginal cost will drop a lot.

At present, according to our survey and statistics, the rate of return of large amount bill business and large fixed term business of the central bank in the market is generally above 10%.

Of course, public funds do not have the right to share profits, but they can charge commission if they exceed the expected return, plus management fees.

If we can absorb a trillion yuan of deposits, according to the estimates given by the remote financial departments and the rate of return to customers' satisfaction, the minimum management fees and custody fees we charge can reach more than 0.6%.

This is 6 billion, and the cost of this online direct selling mode is greatly reduced.

In general, the net profit margin will not be lower than 20%, but in fact it will only be higher.

The total scale of one trillion, according to the current market, the net profit of fund companies will not be less than 1.5 billion a year, pure return.In fact, it's not just the return that we care about. The rate of return of over 1.2 billion is secondary.

you know, once we absorb trillion savings, our flow entrance, that is, our million cartoon, Alipay, will bring much additional benefits.

With the help of bonds, we can absorb some funds.

That's not what billions of dollars can represent!

Is the trillion scale big?

With so many Internet users in China, whose users are not hundreds of millions or even hundreds of millions, if you can attract hundreds of millions of customers to open an account to join, it will cost 10000 yuan.

Ten thousand dollars. Do you think that's more?

In fact, per capita is more than 10000 yuan. According to our big data analysis results, as long as 30 million customers use it, the precipitation fund will definitely exceed the trillion scale!

At that time, hehe, our influence will be different.

Don't just think about risks, risks can't be avoided.

But considering the returns and benefits, you know that this risk is nothing. "

"Trillion..."

Ma Yun's eyes twinkle ceaselessly, this fellow, the big cake that draws is very big!

Can it really reach a trillion scale?

In fact, the fund company's rate of return is really a small matter, the key is something else.

Trillions of money!

Take out a tenth, it's enough for them to eat with oil in their mouth.

It is not to say that they really ate the 100 billion yuan, but to lend them the 100 billion yuan temporarily by means of compliance, and the effect will be different.

With 100 billion, they can do too much!

Internet companies are burning money in the early stage.

Ali and Tencent are actually burning money, but not as fast as they used to. With the income, they can also be counted as accounts.

What's the use of such a point every year?

Tencent is now among the most profitable Internet enterprises, with a total revenue of 7 billion and a profit of about 2.5 billion in 2008.

2.5 billion, how much is it for a large Internet enterprise?

If you really want to burn money, you can burn it in a month.

If Li Dong was not holding up, there would be no chance to stand up in the early stage.

Of course, now the distance is much better, and they don't calculate the profit of the mall. Otherwise, the profit of the B2C platform of the distant mall is terrible, and it makes more money than Taobao.

Ma Huateng pondered for a moment: "is April too fast?

Now it's mid February, less than two months from April.

In two months, the audit may not be over. "

Li Dong shook his head and said, "it's not fast, as long as you are willing to contribute.

There is less than two months left, but do you know what two months means?

Next, there is the explosion of mobile terminals.

As early as last year, 3G mobile phones have been put on the agenda by major manufacturers.

On the new year's day of this year, oppo intelligent machine was released, which accelerated the speed of major manufacturers once again.

In January, China Mobile customized a large number of 3G TD machines.

Now everyone is working overtime. I suspect there will be a frenzy in March. 3G mobile users may break through the 20 million mark!

This explosive growth is sustained, and it's no surprise that it doubled in April.

Once the mobile end users exceed 50 million, the market scale will be completely large!

And the users who take the lead in using mobile terminals have the strongest acceptance of Internet finance.

If you don't take the lead in seizing this group of users and being caught by others, we will have nothing to do with it.

In fact, we are not the first virtual money fund.

As you all know, PayPal has realized the mode of converting account balance into monetary fund since 1999.

I heard that PayPal recently submitted an application for a payment license to the people's Bank of China.

If this is passed, then we will march into China, and then we will be disgraced if they make this first. "

Ma Yun sneered and said, "that also wants them to be able to enter."

"You have no ambition to hear that!

It's a shame to put hope on the condition that others can't enter!

Since PayPal can enter China, why can't we enter the international arena?

I'm ready. As long as I collect enough funds this time, I'll have money. If I have money, I'll go abroad to burn my money.

Micro blog, ten thousand cartoon, distant global shopping mall, I have to get overseas to grab territory!

The point is, we don't have money!

How much money can finance?

Moreover, every time we raise funds, our shareholding ratio begins to decline, and these investors do not really give us money to play with high demands on us.I look at their faces. It's not my style!

I'm different from you. You are used to eating other people's food. I like to eat my own food, and I can eat as much as I want... "

He said and then deviated from the topic, two horses are as black as iron.

This guy, you can't be serious!

The front is OK, but the back is out of tune again.

Ma Yun was angry and said, "you don't think what you just taught is not enough, right?"

Li Dong raised his eyebrow and said, "I was not ready to come just now. What's the matter? Do you want to continue when I'm ready?

It's not that I look down on you. I'll fight three times and you three one, I won't be afraid! "

"Get out of here

Ma Yun scolded and vomited: "in April, it may be a bit hasty.

May. Take labor day as the boundary.

In this way, we will have more time and prepare better.

It's not as much as you say. We have to weigh it.

And to be honest, we are not as free as you are. We need to account for both shareholders and directors.

Huateng here, more trouble than us, I'm going to delist anyway, Tencent is still in the listing stage. "

Ma Huateng nodded his head and said: "May is my limit. No matter how fast it is, it is very difficult for me to carry on.

By the way, do you want to inform Yan Hong? "

Li Dong was stunned for a while and then said, "do they have a payment system?"

"Ha ha ha..."

A few people suddenly laugh, Baidu of course has a payment system, this point Li Dong can not be unaware.

But Baidu's baifubao, at this time I'm afraid few people know.

They have created a shopping mall, which is almost a joke at this time.

Li Yanhong's side, now Li Dong, they have ignored.

Just what Ma Huateng thinks is, google is also one of the Internet giants at least, pull it out and they can block the knife.

But as soon as Li Dong said this, Ma Huateng didn't want to say it again.

Li Yanhong's existence does not seem to be very necessary.

Baifubao's pitiful market share did not make Lao Li sad.

Virtual money funds are not inaccessible from other ports.

Internet payment system is the most suitable traffic entrance.

The inflow and outflow of funds are all from the Internet payment system, other ports do not have this credibility and convenience.

Several people discussed for a while again, mainly about the general direction.

As for the specific fund model, profit margin, these things, each has its own ideas, and not just a few of them.

This has to go through actual calculation and data analysis, market research, in order to get the final result.

At present, it is enough to reach an agreement on the general direction.

After chatting for a while, several people put down their clubs and went back to the rest area.

Liu Chuan Zhizheng chats with Liu Qin and knows that they have something to say. Liu Chuanzhi doesn't want to disturb him.

Business people have lost their eyesight.

Of course, we can't rule out Li Dong. We know that they talk about secrets and want to eavesdrop on them.

Seeing them back, before Liu Chuanzhi could speak, Li Dong said with a smile: "big niece, pour me a cup of tea. My mouth is a little dry."

Liu Qin's body became stiff. After a long time, she gave him a bottle of mineral water.

Liu Chuan Zhi three people look at each other, then shake their heads, this guy is hopeless!

Lao Liu was too lazy to continue to teach him a lesson. As for her daughter, she thought it was bad luck. Who told her to follow her.

When Li Dong and several other people took their seats, Liu Chuanzhi said, "I'll stop gossiping. While you're all here, I'll get to the point.

The scale of e-commerce market is getting bigger and bigger. I hope to talk with you about the comprehensive cooperation.

Lenovo has entered your shopping malls to create Lenovo's online brand, open online brand day, and expand our online sales scale.

In addition, our mobile phone computer business can also do similar cooperation with oppo and distant places.

To put it awkwardly, in China, Lenovo is the most respected PC terminal, and the mobile terminal is no exception. Cooperate with us... "

Liu old man crackled for a while, but Li Dong yawned and said, "boss Liu, wash and sleep. We understand what you mean and cooperate with you exclusively, right?

Friendship is friendship. Business is business. I don't want a large forest. I want you to be an old tree. I won't do it.

Cooperation is OK, others are free.

Well, for the sake of our niece bringing me water, I'll recommend more resources to Lenovo, and the rest will be ignored. "

Liu Chuan Zhi is black, wait for him to talk, Ma Yun also shrugs a way: "this matter I with Li Dong an opinion."

Ma Huateng said with a smile as he drank water: "don't look at me. I'm left with instant messaging now. There's no value in cooperation."Liu Chuanzhi frowned: "did not talk about the value?

These days, I have been thinking about Lenovo's way out. Although Lenovo's business is still growing, I can't hide from you that the growth rate of its performance has begun to decline.

In the field of e-commerce and exclusive cooperation, I think it is very suitable for the current Lenovo.

Oppo's mobile phone is not well known. After cooperating with other countries, its performance has exploded... "

Liu Chuanzhi said very sincerely that Lenovo has much more influence than oppo and other enterprises and has more cooperative value.

But Li Dong's interest was lacking, and the old man was still a little older.

Li Dong, they are facing all users, and cooperate with oppo, which is only temporary. How can they cooperate with anyone exclusively.

Lenovo will certainly benefit from exclusive cooperation, but Li Dong has its limitations.

The old man thought about it himself, and few people would agree.

Seeing their attitude, Liu Chuanzhi sighed. A few white eyed wolves, elder brother, I can't take care of you like this.

Shaking his head, the old man stopped talking about it. The matter still needs to be solved from Lenovo. If the root problem is not solved, the former private-owned brother may really fall.

……

Several people chatted for a long time. They were all busy people. They had no time to stay in Pingchuan.

All the tickets have been reserved. We have to go back in the afternoon.

When he sent them out of the club, Li Dong suggested: "our distant fleet will make its maiden voyage tomorrow. If you don't mind, we can wait another day.

I'll escort you back with the fleet. "

People turn a deaf ear, my Lord, that's a cargo plane!

We've got water in our heads. Let's take us back by freighter?

Li Dong sighed: "to save you air ticket money, this is not cherished.

By the way, the route of our first voyage has been determined. After passing over Lin'an, Lao Ma, I'll give you a surprise. "

Ma Yun said with a black face: "thank you, but you can keep it yourself!

And next time you run on me, I won't be so polite as today.

There's no need to talk about nonsense. Before May, we'll get things done. We're all reliable people. Although you're good at speaking, we won't wait for you if you lose the chain. "

"Well, let's see who is quick.

We've got a target, and we'll get it right away.

Thank you for your convenience

Li Dong thanks a word, but Ma Yun frowns unceasingly, what convenience do I offer you?

This guy, he's always confused.

Lazy to talk to Li Dong, Ma Yun goes out directly.

Wait for Li Dong no longer to send, Ma Yun just low voice way: "you go back to war with him?"

Before, did not talk about this matter, Ma Huateng said to go back to war with the distance.

But at this time, the situation has changed.

Ma Huateng frowned and said, "wait a little longer. We'll talk about it after May."

Ma Yun didn't say any more, and they got on the bus and left.

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