Rebirth of the Evil Life

Move the cheese in the bank!

Lin Feng narrowed his eyes and was very interested in himself. Especially these four major industries, Lin Feng was already angry for taking advantage of them this time. Lin Feng expressed his willingness to touch their cheese.

"Mr. Lin, as we all know, ordinary people in China have very few investment channels. They either put it in the bank and eat the pitiful interest, or they put it in the stock market, hoping to make some money in fear." Ma Yun looked excited, "Just four In terms of savings from major banks, although the stock market is currently in a bull market and many people have invested their money in the stock market, there are still large deposits from the four major banks, and the returns on these funds are very high. low."

Lin Feng nodded. Today's state-owned banks are almost just making money while lying down. They collect the money that ordinary people save at extremely low interest rates, and then lend it out at interest rates that are several times higher. This money is so profitable.

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

"Change? How to change?" Lin Feng hesitated. My own 'Second Bank' operates according to the Western model, but in fact after entering the country, in addition to being tied to the 'Second World', which made the four major banks somewhat helpless, the rest of the banks were still unable to obtain savings and so on. Go head-to-head with the four major banks. Why? Very simple, monopoly. Policy bias has made our ‘Second Bank’ very discriminated against in the country. Except for a few first-tier cities, its "second bank" is not allowed to build branches in other second- and third-tier cities in the country. This leads to. Many people simply don't deposit money in their own banks. In addition to young people, you can shop on "Dingdang.com" through "Second Bank". Consumption in the ‘Second World’.

"It's very simple. We launch a balance value-added service, which is similar to the financial products launched by banks. It's just that banks' financial products require a starting threshold of tens of thousands of yuan and have a fixed time, but we don't need that. You can deposit and withdraw at any time. There is no lower limit, even 1 yuan or 1 cent can be used for balance investment, and the interest rate is far higher than that of bank demand deposits,” Jack Ma said excitedly, “Currently, the interest rate for five-year time deposits in major banks is around 3.7%. , the current interest rate is 0.38%, and if we can introduce a balance appreciation interest rate of at least 5%, I believe that people will be willing to save their money!”

Lin Feng's eyes lit up.

"How to make money, and how to ensure that users can deposit and withdraw money?" Lin Feng asked.

"Mr. Lin, the profit is very simple. In fact, every time the major banks lend money, the interest rate is basically more than 10 points. After we have gathered a large amount of funds, we can sign a large-scale investment agreement with the bank. The agreement can usually be about 8 points. In this way, we can earn a little difference, although it is not much, but the advantage is that the money is not ours, and with more funds,

Profits are also high. What's more, in addition to this, we can also lend to companies in urgent need of loans and make various investments. This ensures our interests. As for depositing and withdrawing money. This balance value-added service will be based on Alipay. In other words, all money is transferred through major banks and Alipay. Therefore, all you need is a computer, a network cable, and online banking to enjoy balance value-added services! "Ma Yun said excitedly.

Lin Feng carefully calculated that if this were the case, it would indeed attract many users to transfer funds to Alipay. After all, for the vast majority of ordinary people, they are still relatively able to accept traditional value-added services, which is to put money in the bank. Although the stock market is super hot now, many people even mortgage their houses to speculate in the stock market, but there are still trillions of yuan in money 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 more avant-garde ideas. But more Many ordinary people are still relatively conservative and are more content with the status quo by depositing their money in banks to collect interest.

But the bank interest rate is only a little, and the interest rate on demand deposits here is more than 5 points. How can this not be attractive? Therefore, Lin Feng has absolute reasons to believe that ordinary people will deposit money into Alipay.

"Are there any risks with this balance value-added service?" Lin Feng asked.

"Mr. Lin, of course there are risks, but since 'Dingdang.com' belongs to you, the risks are close to zero in my opinion." Ma Yun sighed.

"Oh, what kind of explanation is this? Let's hear it!" Lin Feng asked curiously.

"Mr. Lin, the biggest risk is the crime of stealing passwords on the Internet. I am afraid that its network ports will be hacked. I believe that with the technical strength of Mr. Lin, this can be eliminated. After all, it can Let the 'second world' never suffer from hackers, I believe Alipay can do the same. The second point is whether banks will clamp down on this balance value-added service, and whether they will worry about our balance value-added service affecting them. . But given Mr. Lin’s status in the country, I believe that this can be solved. Therefore, the risk is almost zero.” Ma Yun paused slightly, showing the last trace of solemnity on his face, “The only thing I’m worried about is whether the mobile client will be infected by the virus. After all, mobile phone viruses have been known for a long time. Although many people have not been infected, it does not mean that there are no such viruses on the market, and the losses will be extremely huge if the customer does not understand computers. ”

When Lin Feng heard this, he chuckled.

"Don't worry, you can rest assured about this. When the next generation of smart phones is launched, mobile phone viruses will disappear." Lin Feng said confidently. Just like in later generations, the '' system has almost no viruses. Because of its closed nature, all software must be officially reviewed by 'Apple' before it can pass, which naturally eliminates viruses. The only situation where you may be poisoned is if you 'jailbreak', causing you to be poisoned. Another system, Android, is open and anyone can release software at will, so mobile phone viruses are rampant.

And Lin Feng's "Pangu System", like the "Pangu System", is also closed. Although open source brings endless changes, it also brings instability to the system and its user experience is also extremely poor. Therefore, since the ‘Pangu System’ is closed, there will naturally be no viruses. Of course, this does not mean that customer funds will not be stolen. After all, there is an extreme environment under any circumstances. For example, if your mobile phone is stolen, your wallet is also stolen, and the wallet happens to contain your ID card, credit card, etc., and then the scammer knows your bank card password. In this case, your funds may be stolen. Will be stolen. But this is the most extreme situation. Maybe among a million people, not one person would have such a weird thing happen.

"By the way, does this balance value-added service have a name?" Lin Fengxiao asked.

"I want to name it 'Yue Bao'." Jack Ma said excitedly. What Lin Feng meant was that Lin Feng had agreed to his plan and he could show off his talents. Finally found a place where I can show my talents.

"Yu'e Bao, yes, this name is good, I'm very satisfied." Lin Feng nodded, this name is very good, easy to understand.

"Then Lin Feng, you agreed to this plan!" Liu Yingying interrupted at this moment.

"Well, of course. From today on, Jack Ma, you will serve as the president of 'Alipay', oversee all operations of 'Alipay', and concurrently serve as the chief operating officer of 'Dingdang.com'." Lin Feng immediately announced, "At the same time, I will give you a task. If you can collect 300 billion yuan in four days, I will give you a big red envelope."

When Ma Yun heard this, he was as excited as if he had been given a shot of chicken blood. He immediately issued a military order, promising that he would raise at least 300 billion yuan to enter Yu'e Bao within four days. Later, after Ma Yun said goodbye to Lin Feng impatiently, he walked away without waiting for Liu Yingying.

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

"Haha, Ma is always a talent. He just met you. Otherwise, I think the 'Alibaba' he created before would have been successful. And he has been up and down for so long and is eager for a platform. You have given him a platform now. He is naturally very motivated." Liu Yingying sighed, "By the way, more than 300 billion yuan was raised in four days. Is this possible?"

Of course this young man has no problem, but what about the middle-aged and elderly people? Can they operate a computer? Under current circumstances, middle-aged and elderly people have much more savings than young people.

"I don't know, but Ma Yun agreed so readily. I think he must have a solution. Let's see what he can do!" Lin Feng said expectantly.

"By the way, how are you going to solve the US$80 billion?" Liu Yingying asked.

"At present, the company has no choice. It depends on whether Jack Ma's 'Yue Bao' can help me raise funds. As long as it exceeds 300 billion yuan, then I can repay this US$80 billion debt." Lin Feng said .

At present, Lam Feng can still raise US$50 billion through various remaining channels and various favors. And if Jack Ma can solve another 30 billion US dollars, there will be no problem at all. Lin Feng's original plan was to use some of his resources to blackmail his superiors and get them to issue a red-headed document to give him a loan. Now it seems that I don't need it anymore.

Jack Ma, it depends on how amazing you are. (To be continued)