After the college entrance examination, I became the strongest prodigal son

Chapter 89 Finance
In the last life, Chen Yu was just a bystander to this 3Q war. Now Chen Yu is very curious, what kind of mentality is Penguin in? Does he think he is invincible on the Chinese Internet?
Well, to be honest, Penguin is really invincible on the Huaxia Internet.

At least in the field of communication, Penguin will not be defeated at all.

Even though Lightyear Technology's Lianxin has occupied a lot of the mobile market, there are even more mobile Penguin users.

Moreover, Lin Chen is obviously not interested in doing Internet communication, which can be felt from the distribution of Lin Chen's energy.

What is the core business of Lightyear Technology now?
It's the Xphone, the light source system, and the chip!

Xphone and chips are the cash cows of Lightyear Technology.

Not to mention the Xphone, even though it has been released for several months, it is still selling well.

As for chips, Lightyear Technology does not have its own production plant, but it does not affect it at all. Now domestic mobile phones basically use chips from Lightyear Technology.

In fact, Chen Yu is very worried that the sales of Xphone will be greatly affected in the future.

Now that other domestic mobile phone manufacturers have just entered the field of smart phones, they have not done well in some aspects, but it is hard to guarantee that the same will be the case in the future.

Just like in the future, Zhongwei Company is directly competing with Apple and Four Star, and it is not at a disadvantage.

"Look, many people are saying that they want us to make communication software, and then they must use it!"

Lin Chen shook his head: "To put it bluntly, communication software is social software. Without social networking, can it retain users?"

Penguins are already invincible in this field.

Unless one day, everyone will collectively switch to another software.

But is this possible?
Those social relationships on the penguins are involved, that is impossible.

In the last life, when WeChat came out, many people thought that Penguin would be eliminated, but in the end, Penguin and WeChat were very harmonious together.

Lin Chen usually uses Penguin and WeChat together.

The most important point is that in his previous life, Lin Chen only started using WeChat when he was 14 years old.

Others have been using it for a long time.

There are quite a few people using Lianxin now, but compared to the huge number of users of Penguin, it is really far behind.

Because Lianxin can only be used on smartphones.

"Actually, now I don't have much confidence in Lianxin's development!"

In the previous life, Lin Chen remembered that Xiaomi Company also had a mobile communication software called Michat, which developed quite well in the early stage, but in the end it still disappeared from everyone.

Lightyear Technology has no social genes, and it is not so wise to compete with Penguin, a company that started with social networking.

Chen Yu: "Why do you have no confidence? Our Lianxin has developed very well. Now it has tens of millions of users. Once a software has tens of millions of users, then this software is basically considered a success. Already!"

It is basically not very realistic to want to beat a company with software with tens of millions of users.

Unless it is said that this company is constantly failing.

This is possible.

In fact, many times, winning is not because of how strong you are, but because of your opponent's various tricks.

For example Lenovo's it!
In everyone's impression, Lenovo is a computer company, but in fact, for a period of time, Lenovo's mobile phones were also doing well.

But in the end, why the mobile phone business could not continue.

Arrogant, conservative, and ungrounded; in addition, its own high-level management is chaotic, changing orders day and night, and poor innovation ability.

Chen Yu also has her own ambitions, which she has never said before!
As a reborn person, that one has no ambition at all!
Chen Yu doesn't know much about technology, compared to Lin Chen, it can be said to be a world of difference!However, Chen Yu has also carefully studied the business models of future Internet companies.

Lightyear Technology will not take the route of specialization in the future, that is the route only taken by industrial enterprises.

If the same product is perfect, there will be no shortage of orders.

However, like Light Year Technology, it definitely won't work.

Lightyear Technology not only needs to use technological innovation as the driving force for enterprise development, but also needs to achieve breakthroughs in the layout.

Trend!

In the face of the general trend, everything seems very small.

Chen Yu hoped that Light Year Technology would involve the whole process from birth to death. As for the afterlife, that's unnecessary. Although the funeral industry makes money, Chen Yu really has no interest in doing it.

To be born, there must be a hospital, and death is also in a hospital!
Basic necessities of life, this is an industry that will never be eliminated.

The emergence of Lianxin made Chen Yu realize that he can also build Lianxin into a model like WeChat in the future, from social networking to payment.

Finally, it becomes a platform, and finally collects user information.

Credit society!

The future will definitely be a credit society, and people with high credit should enjoy better social resources.

At that time, the bank can cooperate with Lianxin to provide small loans to people with high credit.

Chen Yu told Lin Chen what he thought, and this could only be done with Lin Chen's support.

"My family now owns a city commercial bank!"

Lin Chen touched his chin. Chen Yu's family actually controlled a bank, and it was an absolute holding. Lin Chen really didn't think much about it.

"This, the country will agree?"

"The country has no objection either!"

There are no policy documents or legal provisions stipulating that private enterprises cannot be holding banks.

It is very difficult to start a new bank, but it is not difficult to control one based on the original bank.

Even if it is difficult, sometimes you can do some public relations or something.

After all, the people who make the systems are people.

Looking at Chen Yu, Lin Chen said, "Light Year Technology is going to buy this bank, and Light Year Bank seems to be a good one!"

It would be a good thing if Light Year Technology had its own bank, and the consortium would formally take shape.

As for whether there is room for the consortium to survive in China, there is no need to worry about it. China already has a consortium, but it is not so obvious.

There are consortiums in Europe and the United States, as well as in island countries and South Korea.

Before Huaxia, they learned from the development experience of these developed countries in an all-round way, and they naturally learned about this.

For a period of time, the Daewoo model was the model of Huaxia's enterprise development model, but the Daewoo model fell.

At that time, it must have had a big impact on the entrepreneurs in Huaxia.

Chen Yu opened his mouth and nodded in agreement.

The Chen family is also very strong now. Fenghua Real Estate has also gained a reputation across the country and is developing across the country, with more than a dozen projects in progress at the same time.

Now the bank controlled by the Chen family can no longer meet the Chen family's financial needs.

After all, this is a city commercial bank, and its strength is really limited.

(End of this chapter)