I really don't want to eat soft rice

"Okay, let's start tomorrow."

"To be honest, although the actuaries say that with Gui's strength, as long as they keep the bottom line of ten points of annual interest, there shouldn't be any problems."

"But in the shopping mall, many things are not just talking on paper."

"Data is dead, but everything in the market is unpredictable."

"Many things from the outside world will impact the market, and some things are unexpected."

"So we must have a degree."

Gui Ying was actually a little hesitant about Gui Wuji's proposal, but now that things were going on, he also felt that he could give it a try.

"Dad, I didn't tell you. In the early stage, our Guishi was the money treasure of investing."

"But after a certain stage, we can slowly change the legal person, and then slowly divest Guishi."

"Of course it's the worst case scenario."

"In fact, as long as we make good use of this money, Guishi's ability can generate far more income than interest."

"So it's definitely a money-making business."

"Dad, you are getting older now, and you are getting more and more timid."

"Although we are considered the giants of Yan Kingdom now, I don't think it's enough."

"You can see the big trend in today's society. If Guishi wants to stand out, he must make achievements on the Internet."

"As long as we seize half of the AliExpress market in terms of payment, and then use the origin of payment to vigorously develop e-commerce and other derivative industries, then we will be able to stand firm in the entire Yanguo Internet."

Gui Wuji listened to his father's words, he still had some hesitation, and then said immediately.

The blueprint in his mind has been perfectly drawn by him.

He felt that Guishi would not fail if he did this this time.

Besides, although the Internet products I made before are not particularly popular, they are not particularly failures, right?

At least they're still alive, aren't they?

. . . . . .

This time, Chaoba Technology completely crushed Guishi in the promotion process of Alipay.

This also made Han Chao, Niu Ba and others very inflated.

Your uncle is still your uncle after all.

The rise of Alipay is not accidental.

This is the layout of Han and North Korea from the very beginning of their business.

Just when Chaoba Technology felt that Qianbao was nothing to worry about, there was another big movement on Qianbao.

Both the official website of Qianbao and the app have announced that from now on, as long as you deposit money into Qianbao, you will be able to make money while lying down at home.

For example, if you save 1 yuan a month, you can earn 65 yuan in regular financial management for a month.

If calculated in this way, with 1 yuan a year, the annual income from regular financial management can reach nearly 800, and the annual interest rate can reach 8.

What is this concept?

Yanguo's official one-year regular annual interest rate is less than 2.

Alipay has no regular income for the time being. Alipay’s money is calculated on a daily basis. Now the income of 1 yuan a day is only 1 yuan.

Calculated according to the annual interest rate, the annual interest rate of AliPay will not exceed 4.

That's good, this money treasure is a big move as soon as it comes up.

To put it bluntly, the annual net profit margin of many ordinary companies is only about 10 points.

If this treasure of money is reliable, what kind of company will you start, what kind of business will you start?

If you have some money, is it not good to lie at home and collect money?

As soon as Qian Bao's announcement came out, the entire Yan Kingdom was in a state of eruption.

After all, this number is too tempting.

The key person, Qianbao, also said that for the time being, Qianbao only opens short-term financial management for one month, and will open regular financial management for 50 days or even 100 days and 180 days later.

That kind of financial management has a higher coefficient of return.

Don't underestimate the Yan people. Although many Yan people don't drive luxury cars, they still have some savings.

This kind of high-return financial management, and not for a long time, is really worth considering.

Of course, Qianbao also sets a threshold for financial management.

For example, if you want to qualify for financial management, you must use Qianbao to pay offline for 15 days a month, at least 20 times.

With this threshold, people who want to get this high-yield wealth management must use Money Treasure to guarantee its daily life.

Although Qianbao is somewhat similar to some Internet p2p software in Han Dynasty's previous life, the original intention of the Gui family and his son was not to cheat money.

Why do you say that?

Guishi is not short of money, so there is no need to cheat money.

They just want to make the payment software work.

And then by the way they get some money that way, and they're sure they have the ability to turn that money into more money.

. . . . . .

"Mr. Han, Qianbao's practice will do great harm to our Alipay."

"Alipay originally had many users put change in it."

"But now that Money Treasure is being used like this, many people will withdraw cash and put the money into Money Treasure."

"And Money Treasure is so despicable that users who are bound must use Money Treasure as payment in order to obtain financial management qualifications."

In Han and North Korea's office, Niu Ba spoke first.

"To be honest, with such a high interest rate, I don't know what Guishi will use as a guarantee."

"Could it be that they didn't even consider the company's security in order to seize the Paytong market?"

Zhang Hu also followed Niu Ba's words.

"Yes, I think this kind of thing has a high risk factor."

"According to Qianqianbao, if the 180-day regular financial management, I am afraid that the annual interest rate may reach more than 10."

"The Gui family is not short of money. Can they really generate income higher than these interest rates with such money?"

Charlie would say the same.

Han Chao was not in a hurry to speak. He thought about some p2p financial management software in his previous life. He didn't think about paying back the principal at all from the beginning.

But Gui's family is different this time, no matter what, Gui Ying is considered a big boss in Yan Country.

Guishi's overall operation is good, and there is no shortage of money at all. It is really unreasonable to say that Guishi is trying to cheat money.

It seems a bit too rash to say that in order to preemptively pay users through this method.

"First of all, AliPay must not do this."

"At least I don't think we are currently equipped to navigate this financial game."

"The interest of nearly 10 points, if the money is not used well, then the hole in it is immeasurable."

"Also, as a payment software, Guishi is a big company. I don't think the government can just sit idly by and ignore his job grabbing the official job."

"The current interest paid by AliPay is a bit dissatisfied with us."

"So for the time being, let's wait and see what happens, and then we can talk about it."

"In the near future, we need to ensure the cash flow of Alipay, in case the cash flow of Alipay users is tight due to large-scale withdrawals."

"We must absolutely guarantee the safety of users' funds, because this is the foundation of AliPay."

"Since Guishi wants to use this trick to stretch our hips, we can do the opposite."

"They let users save money, we take money and let users spend it."

Han Chao said with a smile.

When Han Chao's words came out, Niu Ba and the others also looked confused.

Giving money to users to spend is a bit of a novel idea.

Chapter 656 The Way to Borrow Money

"Mr. Han, what do you mean by giving money to users?"

Niu Ba still doesn't understand Korean and Korean words

"As you said, you also don't understand the significance of Gui Shi's approach."

"If it's a small company now, we can take this model for granted, and we can take it for granted that they are trying to cheat money."

"There is a good saying, you want my interest, but I want your principal."

"Some time ago, either people from some places were exposed, or they used this high-interest model to defraud parents and villagers of their money."

"It's just that now this model has moved from offline to online, that's all."

"But the Gui family is different. Their family has a big business, and they don't need money at all."

"If you want to say that Guiying is defrauding users of money, I don't think everyone will believe it."

"After all, cheating is a one-shot deal. Who is Gui Ying, it's impossible to do this."

"Now Guishi is trying to grab our share. If we fight in the same way as him, we will be led by the nose."

"Our PayPass has come steadily and steadily, step by step."

"PayPay, Taozuan, and Weichat are all integrated products."

"Guishi let people get interest, it's just icing on the cake."

"But if AliPay lends money to users to spend, it will be a timely gift."

"Icing on the cake is never as good as sending carbon in the snow."

Han Chao took a sip of tea and said with a smile.

"Mr. Han means that we use the Alipay platform to lend money to users?"

"And charge a certain amount of interest?"

"But if that's the case, whether the loaned money can be recovered is also a question."

"If bad debts exceed a certain percentage, then our move is more dangerous than Guishi's."

Charlie took Han and North Korea's words and said quickly.

It is certainly right to send carbon in the snow, but if the risk factor is too high, it is really inappropriate.

Niu Ba and Zhang Hu also nodded at this meeting, expressing their agreement with Charlie's statement.

"As I said just now, we have a product called PayTongTaoZhanWeChat."

"Analyzing the economic level of users from these products, with our current big data, shouldn't be a problem?"

"Credit card, you all should know about it?"

"We are now using big data to open a function for some high-quality users of Alipay, called Huabei."

"As long as the user has opened Huabei, he will pay this month, and we will give him the bottom line, whether it is online or offline."

"This month's flower, next month's return."

"Isn't this a good solution to the stickiness problem of PayPass?"

"If the user really has no money to pay back, it doesn't matter, just pay a minimum repayment, and then we will calculate the interest."

"Of course, we can't open the whole line at this stage."

"And the amount that is open to everyone cannot be the same."

"Those who have a house and a car can be easily identified through PayPass, so the amount can be higher."