Rebirth of the Thousand-Faced Movie King

"This won't work. If you rely on you to generate traffic, why should I open an online store?"

"Hey, my classmate Lu is quite ambitious."

Chen Yu didn't insist.

He was just talking about this kind of traffic boosting thing.

"By the way, since you have opened an online store, please give us some feedback on our website."

"Speaking of opinions, there are indeed some."

Lu Xue turned around and said seriously: "First, can your website give sellers permission to decorate their stores?"

"How did you come up with this?"

"Online stores are actually the same as real businesses. Huanyu Mall is okay, but all Huanyu Department Store stores look the same, and others think they are the same store. If the seller is given certain permissions to create web pages, then we can Personalized decoration of the store will be more meaningful for future publicity and promotion, including brand building.”

"That's good advice."

Chen Yu nodded and wrote down: "What else?"

"The other thing is to conduct credit records for sellers. Can we also conduct credit records for buyers? Nowadays, there are more online shopping, especially your seven-day no-reason return policy and other settings to ensure the interests of consumers. Although The overall direction is not wrong, but there have also been many consumers who maliciously took pictures and returned goods maliciously. At the same time, there are also some groups who want to collect wool. If credit records can be recorded for consumers, this will have huge benefits not only for sellers, but also for the platform. the benefits of."

"Not bad."

Chen Yu's eyes lit up.

He just said it casually, but he didn't expect Lu Xue to actually put forward a lot of opinions.

But yes.

Lu Xue was a top female student in her previous life, and later became a female CEO.

However, after Chen Yu was reborn, Chen Yu ignored Lu Xue Nu's side as a top student.

Unexpectedly, after entering Peking University, Lu Xue's abilities gradually became apparent.

Even if I just open an online store, the suggestions given are very good.

"What you said is very good. Consumers also need to establish a credit system. Sellers have credit, and buyers should also have credit. In this way, we can build a more harmonious and smooth online shopping platform."

In fact, the foundation on which e-commerce is built is credit.

For example, PayTong guarantee business.

This is the trust consumers have in the platform.

Without this layer of trust, large-scale electronic transactions cannot be formed.

It will be like early online games, where scammers are rampant and you have no binding force at all.

At that time, Zhang Jianming was selling things online, and his first transaction made him realize what dangers are in the world.

Previously, in order to allow consumers to purchase goods online with more confidence, Huanyu Mall and Huanyu Department Store have always implemented a relatively strict credit system for the platform and sellers. Including the requirement of depositing a deposit, verifying your identity, and returning goods without reason within seven days...etc. Now with the development of e-commerce, the consumer credit system must also keep up.

This reminded Chen Yu of the Sesame Credit that Alibaba later launched.

The system can conduct a comprehensive evaluation based on the user's consumption behavior, identity, personal connections, behavioral deception, etc.

Finally, a credit system recognized by everyone across the country was established.

When thinking of Sesame Credit, Chen Yu couldn't help but think of his own Alipay.

Although PayTong has been established, its current function is still to serve as a third-party guarantee. But in fact, as a payment channel and payment tool, PayTong can also have many other functions. For example, the transfer function.

This transfer function is not a cash withdrawal from the Paytm account.

It is the mutual transfer function between PayTong and other bank accounts, as well as PayTong's own account.

The entire previous situation was not suitable for launching these functions.

But now, it seems that PayTong can be launched separately to create a truly independent payment tool.

Just as he was thinking about it, Lu Xue said: "By the way, there is one more thing, and that is whether PayTong can enable intra-site transfers."

"I go……"

Chen Yu was stunned.

He didn't expect that Lu Xue also thought of this.

"Why, can't it? I feel like it's troublesome to transfer money every time. It would be much more convenient if intra-site transfers were enabled."

Seeing Chen Yu looking at her with a confused expression, Lu Xue felt a little embarrassed: "Well, I'm just giving my opinion. I also know that finance may be more troublesome."

"Ahem..."

Chen Yu was a little embarrassed.

This is such a talent.

"Student Lu, come to work at Huanyu Technology."

"ah?"

"What? Are you not interested in our Huanyu Technology?"

"No, no..."

Lu Xue kept shaking her head: "But okay, why do you think of letting me work in your company?"

"I think you are very insightful in e-commerce, really."

Chen Yu said seriously.

"this……"

Lu Xue hesitated, thought for a while, and said: "I haven't considered going to work now. Besides, I still have to go to school. Besides, I am also very interested in opening an online store. If I come to work at Huanyu Technology, that's not the case. No more freedom?”

"Why don't you have freedom? If I give up my position to you, you will have all the freedom."

"That's not possible. I'm not that capable."

Lu Xue refused.

"Don't you think about it?"

"I have no idea yet."

"Okay, let's wait until you graduate."

Without further persuasion, Chen Yu was planning how to make Alipay independent.

…

"Zhizhong, how's it going? Has the song request system been implemented?"

"Mr. Li, it's done."

Jin Zhizhong nodded, took out a document and said, "Mr. Li, this is the design drawing of our Samsung song request system. We are ready in all aspects and are just waiting for mass production."

"How long will it take for mass production?"

"Three months later."

"Too long."

Li Zaiyong shook his head.

Samsung has been under a lot of pressure recently.

The reason for the pressure is that the sales of Universal Super TV are rising all the way.

As for the reason.

In addition to Huanyu Technology's own sales channels, a more important reason is the Huanyu KTV song request system.

Many friends who had not changed their TVs originally chose Huanyu Super TV because they saw the song request system of Huanyu KTV.

The sales volume of Huanyu Super TV itself has always been far ahead, and now it has left Samsung and Panasonic out of sight. At present, when many industry experts analyze high-end TVs, they basically only use Huanyu Technology's super TVs as their analysis and evaluation. As for Samsung and Panasonic, they are too embarrassed to analyze it.

Is there anything to analyze?

You still have the nerve to call them high-end TVs when they don’t even have one-tenth of the sales of others.

"Zhizhong, I'll give you half a month."

"Half a month, Mr. Li...this."

Jin Zhizhong shook his head.

In half a month, let alone mass production, the production line may not be able to be installed.

"What I mean is that in half a month, 200 prototypes will be produced first."

Of course, Lee Jae-yong knew that it would be impossible to achieve mass production in half a month.

But now he couldn't wait any longer.

At present, dozens of KTV companies have purchased Huanyu Technology’s KTV song request system.

If Samsung doesn't follow up, they will fall far behind.

Even if mass production is not possible for the time being, we will support a KTV first.

"Yes, Mr. Li."

Naturally, mass production cannot be achieved in half a month.

But it took half a month to produce 200 prototypes. With Samsung’s capabilities, this was not difficult at all.

As for you, the production line has not been installed yet.

What does it matter.

There is no need for a production line to produce a prototype, they can assemble it manually.

"Brother Jian, separate our payment channel and establish a new subsidiary."

"Mr. Chen, what are you doing?"

"Before this, Alipay was only a platform for our credit guarantee, and it played a role in promoting everyone's online shopping. But now that 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 Shenzhen.

Yitong made adjustments to Paytong, and the newly established Paytong company was officially launched.

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

The independence of the corporate sector is too simple.

As long as Chen Yu gives an order, Alipay can become independent.

The independence Chen Yu needs is for everyone to accept this payment tool.

Because before this, everyone did not have a concept of payment through Alipay.

They just think that PayTong is a guaranteed platform, not a payment tool.

So people have no idea of ​​transferring money on this platform.

This tool is used when shopping.

In fact, they don’t actively use it when shopping, but the platform forces it to use it.

Of course, popularizing this idea is easy.

All you need to do is activate a series of transfer functions through PayPass.

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

And they will soon find this transfer feature very convenient.

Because they only need to know the Alipay account number, they can send money to the other party.

Especially for intra-site transfers, it can be done in almost seconds, and he can also save a handling fee.

However, the transfer function is easy to enable, but it is not just about functionality.

He was also involved in banks.

When a user's funds are transferred, where is the money placed?

It cannot be placed on the platform, and the funds can only be placed in banks.

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

It is different from the previous online banking business.

Online banking is only a payment service, and the platform does not store funds.

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

But if the transfer function is enabled, especially the transfer function of the on-site payment account.

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

Therefore, this requires cooperation between one or more banks.

Obviously, although many people may not be aware of the funds this transfer function will bring.

But Chen Yu, who knows the future very well, knows that once this account transfer function is turned on, the entire financial system may change.

Therefore, what Chen Yu needs to cooperate with must be a bank that has certain strength and can accept this business.

The four major banks are naturally very powerful.

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

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

In the early days of development, Chen Yu had to avoid these giants the most.

Otherwise, if these major banks join forces, they will definitely have the power to strangle Alipay in its early stages of growth.

In fact, the four major banks in later generations also had a huge battle with Alibaba.

And they have joined forces to launch a series of payment tools similar to Alipay.

But at that time, Alipay had already become a trend, and the four major banks had nothing to do about it.

Therefore, Chen Yu set his sights on Minsheng Bank.

Minsheng Bank is the only private bank in China.

Although its 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, Chen Yu had made plans before this and had been slowly absorbing Minsheng Bank's stocks in the secondary market.

Until now, Chen Yu looked at the account and found that Huanyu Investment currently holds 4.99% of the shares of Minsheng Bank.

Only 0.01 shares are missing, 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 mainly invests in and acquires securities and other interested companies.

The current person in charge of this area is Zhao Danyang, the godfather of private equity.

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

"Mr. Chen, are you here?"

Upon learning that Chen Yu had arrived, Zhao Danyang greeted him at the door.

"Don't take it so seriously. I'll just come over and take a look. Let's go to your office and let the others disperse."

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

"Mr. Chen, please come this way."

Enter Zhao Danyang's office.

I only saw six screens in the office arranged in various shapes surrounding Zhao Danyang's desk.

On the screen, various stock trend charts are displayed.

"Danyang, no way, you're so professional."

Chen Yu said with a smile.

"Mr. Chen, I made you laugh."

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

"oh?"

Chen Yu asked strangely: "How can you tell?"

"A-shares have been hovering at more than 1,000 points for more than ten years, but the domestic economy has undergone earth-shaking changes. Residents' income has also increased significantly, and housing prices continue to hit new highs. At the same time, the domestic Internet sector has kept pace with the global pace. It is even in a leading position in many places..."

Speaking of this, Zhao Danyang looked at Chen Yu.

When it comes to the Internet, the biggest contribution is the person in front of me.

"Stop flattering and keep talking."

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

"Good analysis."

Chen Yu nodded.

He is worthy of being the godfather of private equity.

Judging from past lives, the largest bull market in A-shares started from 2005 to 2006.

This wave of market prices jumped from the lowest point of 998 points to 6124 points, a full 6 times increase.

For some small and medium-cap stocks, their prices have increased dozens of times, and some have even increased hundreds of times.

This is a super bull market that has been rare in the history of A-shares for decades.

However, at the moment, Chen Yu doesn't have the energy to devote time to the stock market.

"Okay, the stock market forecast is finally over. Danyang, let me ask you, how much more money do we need to reach a 5% shareholding ratio in Minsheng Bank?"

"It's about 50 million more. However, Mr. Chen, if our shareholding ratio reaches 5%, we will have to raise our cards."

"All I want is to hold up my sign."

Placarding 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, notify the listed company, and make an announcement to clarify their identity.

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

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

But now, for Alipay, Chen Yu will stand up for the first time and raise his placard to Minsheng Bank.

It is very difficult to complete the acquisition of a listed company in the secondary securities market.

However, it is not a big problem to only acquire 5% of the shares in the secondary securities market.

In addition, Huanyu Investment has already laid out its plans, and it is not possible to acquire 5% of the shares in just one day.

Therefore, under Chen Yu's order, 50 million was spent directly, and the last 0.01% of the shares were swept into the account by Huanyu Investment.

In accordance with regulations, the Huanyu Investment Department immediately made a written report to the relevant departments on the same day.

At the same time, the listed company, namely Minsheng Bank, was notified and formally announced to the media.

[Huanyu Investment holds a placard for Minsheng Bank. 】

[Huanyu Technology crosses borders again. 】

[Challenging Finance, Huanyu Technology doesn’t just want 5% of Minsheng’s shares. 】

One stone stirs up a thousand waves.

Because of the special status of Minsheng Bank, the Global Investment Department made a move, and the entire media was instantly excited.

A group of experts are constantly speculating on what Huanyu Technology is planning.

There is no doubt that Huanyu Investment is a wholly-owned subsidiary of Huanyu Technology.

Huanyu Investment’s placard also represents Huanyu Investment’s placard.

Judging from the shareholding ratio of Huanyu Investment, although 5% is not a lot, it is not a lot, but it plays a significant role.

Judging from the equity ratio of China Minsheng Bank.

The largest shareholder only controls 18% of the shares.

With 5% of the shares, China Minsheng Bank ranks fifth.

Relevant experts speculate that Huanyu Technology will initiate an interim board of directors to Minsheng Bank next week and propose additional directors.

If Huanyu Technology only needs 5% of the shares, this may be just a financial investment.

But what if Huanyu Technology wants more than just 5% of the shares?

This guess is not groundless.

With Huanyu Technology's own capital flow, it is naturally impossible for them to complete the acquisition of Minsheng Bank.

After all, Huanyu Technology has laid so many lines, but they themselves are still short of money.

However, Huanyu Technology is short of money, but the more money Huanyu Technology is short of, the more places they have to make money.

If Huanyu Technology becomes more shameless and borrows money from friends in the United States, Minsheng Bank's risk will be very high.

Regarding this, when Huanyu Technology informed Minsheng Bank, the board of directors of Minsheng Bank was also extremely nervous.

"Director Liu, what is Huanyu Technology doing?"

"Are they trying to buy us?"

"Or do you want to become the largest shareholder of our Minsheng Bank?"