The world's richest man: I am a stock god

"Is it really okay for you to leave Asami City and come here like this?"

In a restaurant, Li Songci held chopsticks in his hand, tilted his head and looked at Li Jin and asked.

Li Jin chuckled and said: "The specific operations are carried out by the team below. I have already made arrangements and deployments for decision-making, and there are people under me who can solve some small problems. Even if there is an emergency, the Internet is so developed now, so casually It can be solved quickly by finding a computer, so it’s not a big problem.”

Li Songci nodded, feeling a little less guilty.

"I have contacted your father before."

Li Jin said: "The cooperation matters are not a big problem and have been negotiated, but I still only learned about you and Gao Sheng from his mouth."

"You shouldn't hide this from me."

In the last sentence, Li Jin's tone was obviously a little reproachful.

Li Jin thought that Li Songci didn't regard her as a friend. She was fired by Gao Sheng obviously for her sake, but she didn't tell him.

Li Songci smiled bitterly and said, "Actually, even if this incident hadn't happened, I would have left my current position sooner or later. The headquarters has long been very dissatisfied with my stance and some of my decisions. They will always find opportunities. of."

"The bank's preparations will still take some time. During this period, you should have a good rest. You will be busy when the bank comes online." Li Jin said gently without continuing to delve deeper into this topic.

Li Songci said: "Do you really want to open a bank? This is not easy."

"There are precedents for banks with private capital in China, but those examples are also special examples, such as Ping An and Minsheng, etc., and they are not very referenceable. According to my judgment, Yanjing will gradually deregulate the banking industry in the future, such as allowing Local governments become major shareholders and establish local commercial banks.”

"This is an opportunity for us, but the bank I want to build will not open specific offline physical outlets. I will rely on New Wolf's game business and Ali's online shopping platform business to develop online banking."

Li Songci knew the business system of the Jin Qing Department very well. Hearing this, he immediately said: "You mean, the online payment of the New Wolf Game Industry?"

Li Jin was really surprised this time.

"I just said this, and you connected with online payment? Indeed, the purpose of doing this online payment was to accumulate and prepare for opening an online bank today."

Li Songci looked at Li Jin like a monster and said, "At that time, when did you think about today's step? Are you a human or a god?"

"Of course it's human."

Li Jin laughed and said: "Actually, the business map is compared to a big tree. First there is the trunk, and then the branches and leaves are drawn based on the direction and shape of the trunk and main branches. Everything has veins and traces to be found. "

"The bank's main business in the future will be divided into three sectors."

"The first part is the savings business. Users transfer money into the virtual account of this bank through online payment, and I will pay the user an interest higher than the bank interest."

"The second sector is the payment business. The payment business is easy to understand and relies on the gaming industry and online shopping industry within the Jinqing system. This area is actually the easiest to do."

"The third sector is financial business. We have absorbed users' deposits, and we must use these funds to make money. This is no different from traditional banks."

Considering that Li Songci will be the person in charge of the bank that is still in Li Jin's mind in the future, she must have a concept of the bank as a whole. For the first time, Li Jin repeated his concept of an online bank. .

"Of these three sectors, the first sector is the foundation, the second sector is the derivatives, and the third sector is the future. The three are complementary to each other. Without the first savings business, everything is empty talk, and the payment business will make It greatly facilitates all network users within the Jinqing system, and secondly, financial services are the core of the bank."

With Li Jin's description, the basic framework of a bank gradually appeared in front of Li Songci.

This bank was born out of a traditional bank, but it is completely different from a traditional bank. It has fewer functions, but its size is therefore lighter and more flexible, while the remaining functions are the core functions of the bank.

"The most important thing is that once this bank is established, its huge capital pool will ensure that the entire Jinqing Department's cash flow will never have to worry about. You have also considered this, right?"

Looking at Li Songci who was looking at him with shining eyes, Li Jin chuckled and said: "According to financial policy, neither I nor the Jin Qing Department are allowed to misappropriate the deposits of these depositors."

"There are policies and countermeasures. Banks can't help but lend money. It's okay to lend money to yourself."

Li Songci has been playing with financial concepts for half his life, and he is extremely familiar with this kind of operation.

"You see, this is why I must leave the position of CEO of this bank to you." Li Jin laughed.

Just as the two were eating and chatting, and the atmosphere was heated, Li Jin's cell phone rang.

The caller was Hu Wenhuai.

Li Jin felt a chill in his heart when he saw this call.

If it weren't for a special event, Hu Wenhuai would not take the initiative to contact him.

But there was no movement from Jack Chen's side, indicating that there shouldn't be a problem with the US market.

After answering the phone, Li Jin's expression gradually became serious as he listened to what Hu Wenhuai said on the phone.

Li Songci also became quiet when he saw this, staring closely at Li Jin's expression and saying nothing.

"sure?"

Li Jin asked.

Li Songci didn't know what the other person said, but then he heard Li Jin say: "I know."

Seeing Li Jin hang up the phone, Li Songci hurriedly asked: "What's wrong? Did something happen?"

"fine."

Li Jin smiled at Li Song Ci and said, "A little problem."

"But after this meal, we have to go back to Qianhai immediately."

"What are you waiting for."

Li Songci dropped his chopsticks and stood up.

"We'll leave right now."

Li Jin saw this and no longer hesitated. He stood up to pay and left the restaurant with Li Songci.

The two went straight to the airport, and the plane was already ready.

After boarding the plane through the special channel, Li Jin called Jack Chen while the plane was taxiing for takeoff.

"Notify all investors of Jin Qingtian Investment that a meeting will be held in three hours. Those who can come will try to come to Qianhai, and those who cannot come will connect via video conference. Just today, more than 200 new overseas accounts were opened in the domestic A-share market. This The amount of funds involved in 200 overseas accounts exceeds 1000 billion US dollars."

"In other words, Wall Street capital's counterattack has already arrived."