Rewrite the Technological Landscape

The emergence of Dafeng Bank and MYbank must have attracted a lot of attention in a short period of time. The first hot topic that appeared in the next two days was the competition between credit scores and credit lines.

After opening an account at Dafeng Bank and binding Caifubao, users can check their credit score and credit line, and then a comparison will start quickly.

Circles of friends and circles of rumors are full of people posting credit scores and credit lines. Although behind this is the desire to compare in people's bones, Meng Qian is still very happy to see that everyone is willing to compare this thing.

"I really hope that everyone is willing to compare their own credit, so that everyone will pay more attention to their own credit. This thing itself is more important than whether to get a loan. If it is really possible to subtly increase the public's attention to credit, It's so worth it." Meng Qian swiped through Moments, and gave a thumbs up to those who posted credit scores and credit limits in his Moments.

A group of bosses who are worth hundreds of millions are currently comparing themselves in the circle of friends.

"But there are quite a few people complaining about us." Shao Yibo, who was with Meng Qian at the moment, raised his mouth, "Many people say that the interest rate is too high."

"Credit loans don't need any collateral, just rely on credit loans, isn't it normal that the interest rate is high? Besides, considering our current promotional activities, the annual interest rate is less than 10%, and there is no fee for early repayment. These complaints are not at all. You need to listen." Xiao Boshi, who was present at the same time, seemed a little dissatisfied with these complaints.

"When it comes to money, it's easier to make others feel uncomfortable. It's actually a very normal thing." Meng Qian didn't want to dwell on the matter of interest. "How is the market reaction of wealth management and investment products?"

"The current response to wealth management and investment products is a little worse than expected." Shao Yibo glanced at the data in his hand, "Recently, the A-shares are too hot, and all kinds of P2P endorsements are getting better than each other. With the guarantee of the Jade Emperor, the P2P annualized rate of return is getting more and more outrageous, and the annualized rate of return has doubled.

What is even more frustrating is that there have been several Ponzi scheme products on the market recently, all of which claim to have increased dozens of times a year, but the problem is that many people have lost their minds in the current environment, just such an obvious scam Some people believe that a Ponzi scheme that just broke out not long ago, many high-achieving students were deceived.

So now our fixed-income wealth management products are not on the stage at all, and people don't like to look directly at them. "

"Those who speculate in stocks should be interested in our fund. The rate of return of our fund is still acceptable?" Meng Qian asked.

"Well, we may have underestimated the market's expectations for big A-shares. Our ace fund's 150% return rate in the first half of this year was ridiculed by netizens for not being able to speculate in stocks.

Now it is said on the Internet that buying with your eyes closed is the daily limit, so what kind of fund should you buy? "

"How much did the big A shares go up?"

"It's almost 4500 points."

"How much can public opinion on the Internet rise?"

"Now everyone is at least rushing to go for more than 6,000 points. Many experts are starting to look at 10,000 points."

"Why don't they look at 100 million points?" Meng Qian teased, suddenly felt that Shao Yibo's tone was a bit strange, and raised his head to look at him sensitively, "Are you also speculating in stocks?"

"It's a little bit of a vote."

"Just have fun." Meng Qian tapped him lightly and returned to the topic, "Then what are your plans for the next step?"

"Let's increase marketing investment. There are always relatively rational people. We can attract this group of target customers. As for those who have lost their minds, it seems that what we do is useless in the short term."

Meng Qian was silent for a while, scrolling through the comments on the Internet, and couldn't help but look a little serious, because Meng Qian saw that there were quite a lot of unfriendly criticisms on the Internet.

And these criticisms are basically focused on one thing, the Dafeng Group is not doing a good job in technology, and has begun to take the direction of capital. The Dafeng Group is the largest capitalist in China, and it is the largest vampire in China. Now the Dafeng Group is a bank to be a big capitalist. up.

"Our other important layout in the financial industry is just around the corner?" Meng Qian asked after looking at it for a while.

"Well, we plan to hold a special press conference at the end of the month."

"Then I think some things should be discussed more.

Before, you always said that it was impossible for the state to allow private enterprises to open Internet banks, but now Dafeng Bank has opened and officially started operation. It can be said that the state allows private Internet banks to appear is indeed a very important signal. A very important turning point in history.

Now Dafeng Investment and even Dafeng Group will further assume the status of a large capital in China. You need to have a clear direction, and I also need to have a clear direction.

How should we do this big capital well? People first said that we are an Internet company, and later we have an additional identity called a physical technology company. In the future, we will definitely be given the title of a financial company, finance and the Internet, and Entities are different and require a strong pursuit of profit. How are you going to face this change? "

"Mr. Meng also saw those comments on the Internet, right? But haven't we been scolded as capitalists all the time? Why should Mr. Meng care? Dafeng Investment has been engaged in investment work before there is no Dafeng Bank."

"But the problem is that we have opened a bank in China now. Do you understand that it is a symbol? A bank has a special meaning, which is different from a pure investment company. Moreover, domestic banks and foreign banks also exist. the difference.

But because we are a private bank, we need a definite model. As the first batch of private Internet entrepreneurs in China, if we do well, we are great pioneers, but if we do not do well, we will become sinners in history Not impossible. "Meng Qian looked at Shao Yibo seriously.

Shao Yibo remained calm, "I know what Mr. Meng is worried about. I can only say that my original intention has not changed so far. I took the initiative to find the regulatory authorities to establish a convenient regulatory system a while ago, not because of what they said Sensible, but because I know where the baseline of Dafeng investment is.

Finance can actually be done practically, just as many people learned through Dafeng Group that Internet products are also high-tech. The reason why the financial crisis occurred in the United States was because too many inferior financial products circulated in the world. How to make the financial industry In fact, it is the same reason, which is to create real high-quality financial products and reject the issuance of low-quality financial products. "

"Good technology products will always make money in this era, but good financial products may not necessarily make money in this era. Isn't the current situation the best verification? Although those Ponzi schemes are scams, they may be in a year's time. You can make a lot of money here."

"But just like Mr. Meng said, we are opening a bank in China." Shao Yibo immediately talked about the point in Meng Qian's heart, "If it is said that good financial products do not make money, if the profit-seeking nature of capital must be enlarged, If the bank is to take the best interests as the first driving force.

So, isn't this just a great time to create new rules? Mr. Meng is constantly establishing new rules of the game in so many fields, why can't we do this in the capital field? "

Meng Qian looked at Shao Yibo silently and beckoned him to continue.

"We always talk about social responsibility and social responsibility. I don't care what the financial rules of the West are. We are a Chinese company. The ultimate direction of our social responsibility in China is actually very clear. Isn't it that some people get rich first and then drive the other part?" Are people rich together?

In this process, can huge financial institutions do something? Can you use your investment ability and overall planning ability to realize the improvement of your own interests and the interests of users?

Is it possible to use this ability as a way to drive other people to become rich together?

As an Internet company, as a physical technology company, we have been cooperating with other companies, and when we are a financial company, we have to cooperate with users.

We use their money to earn higher profits, and then distribute more profits to them. Isn't it also a win-win cooperation? "

"Is there a win-win situation in the capital market?"

"Combining capital with entities to create entity value, isn't it possible for a win-win situation? And when Dafeng Bank confirmed its opening, I have been thinking about these issues myself, and I even think that I can challenge a brand new capital system.

If I can really make a new set of capital rules based on our China goals, and write a "New Capital" at that time, maybe it will be famous in history! "

Meng Qian looked into Shao Yibo's eyes. Compared with the moment when he first met, Shao Yibo is obviously more confident at this time, and his vision and pattern have obviously improved to a higher level. Hearing Shao Yibo say such words, Meng Qian finally let go of his seriousness and revealed With a gratified smile, "Then I'll be waiting for your "New Capital". I'll pre-order the first one first."