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If you want to get a loan from a bank, you need a lot of procedures, such as mortgages, such as relationship channels.Tianchao is a society of personal relationships, and if you don't have some connections, it's really hard to get a loan from a bank.This is why there are so many financial loan companies now.

As for Jing Xiandong, or Ma Yun, they didn't want to antagonize the bank, so they could only take a step to repair the plank road and secretly hide Chen Cang.To do this, first package all this into the form of an investment company with strong funds and a cooperation with Ali.Then in the eyes of outsiders, the other party is very trusting in Ali's establishment of the database, so they plan to cooperate with Alipay to jointly develop this business.

Of course, it's at their own risk.

In this way, this situation has nothing to do with the bank, it is purely a business matter, and they don't use your bank for a penny, it is completely cooperating with Ali.In this way, although it will have an impact on the bank's loan business, the impact is definitely not big, almost very few~

And again, the benefits are astounding.Lao Jing summed it up, the fat water does not flow to outsiders, this kind of fat is eaten by others, and it is still eaten by Liu Han, so why not let people who are close to him do this kind of thing?As long as Liu Han can afford the money, then everything will be fine.Of course, that was his only concern.But ever since Liu Han led Wang Shichong and Qin Fen over, he knew that the business was probably done...

Liu Han may not have much money, but these two rich second-generation families have a lot of money.

But the only thing to note is that this matter can only be decided by Liu Han, and other people will be like Ali’s Softbank Group, which only has financial investment rights and no decision-making power!Lao Jing planned to wait a while and talk to Liu Han alone.

……

At this moment, the people on the stage have already finished explaining, and this will be thirsty to replenish water.And because there are no outsiders in this room, including these two financial experts who are also Ma Yun's confidantes, Jing Xiandong didn't avoid anyone, and asked Liu Han directly:

"How is it? Do you understand? Is there something you don't understand?"

Liu Han is obviously still digesting this matter, going through the details over and over again in his mind.But Wang Shichong fired the 710th shot:

"Brother Jing, I have a question. According to what you said, an investment of 40 billion to 60 billion may be required in the early stage, right? This money..."

Wang Shichong looked at Qin Fen, found that he shrugged casually, and continued:

"We should be able to do it. But the problem is the follow-up. You also said that the users who open this kind of lending are all users who meet the data standards of Alibaba Cloud. The first batch of people is definitely not many, about a few million people. This group of people The amount of credit varies according to credit, I understand that. But what about the follow-up? Four to six billion funds may seem like a lot, but for the amount that will gradually increase in the future, is it definitely not enough? It is even a drop in the bucket It's not an exaggeration. I have an estimate that once this form is opened, it will cost at least tens of billions... This amount of money is definitely not something that the few of us can afford, right?"

Jing Xiandong nodded:

"This question is on point, but you can rest assured that Ali has already thought up a very complete plan. Well, this plan is actually plain, Xiaohan, and I got the inspiration from you."

"um, I?"

Liu Han was taken aback, and looked at Jing Xiandong strangely, wanting to know what kind of medicine he was selling in his gourd...

Chapter 1004

"Yes, it's you. It was hard for you to hide it from us at the beginning, and OFO and Mobike are all from you..."

As he said that, Lao Jing seemed a little dumbfounded.

"At the beginning, I said, how could two shared bicycles appear on the market at the same time without involving the core code and patent rights, and there was no recruitment at all. And one found us, and the other found us. Teng Xun... has been working on it for a long time, and these two things are all from your hands!"

This thing is no secret anymore, and now basically everyone who plays in the shared circle knows about it.It's just that I don't know who did it.

Indeed, this is a bit too insane.Do all good and bad things absolutely, and don't give others a chance to survive.

"Okay, Brother Jing, then tell me in detail. Old Wang was right just now. The beginning of this matter is easy, but the follow-up is too difficult. I feel that the numbers he said are not exaggerated at all, at least a hundred... ..."

"Of course, Ali's action is not tens of billions. How dare you call it an action? We envisioned the follow-up of this matter in this way, just like you did Mobike back then. It is just a variant. In this new type of loan see After the results are achieved, we will carry out the acquisition just like Tencent acquired your OFO at the beginning. And then because you have already formed a scale.

Therefore, the repurchase price will not be in the form of cash, but in the form of joint shares.At that time, we will take over the subsequent expansion of customer base and capital injection, etc., and then we will dilute your shares according to the equity.The decision-making power will also return to our hands.And you can choose to withdraw the money after Ali's capital injection and continue to enjoy dividends.Or continue to use your shares to apply for a loan from Ali, and use the loan money to continue to inject it here.Interest will be very low, but your share growth will be discounted.Do you understand what I mean? "

Liu Han pondered for a while, and immediately understood Lao Jing's calculation, or Alipay's calculation.

What they need now is not money, nor money, but a qualified external incentive.To put it bluntly, just like OFO and Mobike for sharing bicycles, there is a person who is the first to eat crabs!When all shareholders understand this matter, or after weighing the pros and cons and agreeing to this matter, Liu Han has nothing to do with the rest, as long as he enjoys the dividends.

Moreover, Ali is very kind, and would not kick Liu Han and the others away directly, but adopted the form of joint stock injection, so the specific situation is exactly the same as OFO, Liu Han did this job with only a few million.And if it is acquired by Tencent, it is indeed hundreds of millions, and if it exceeds one billion, it will be done.This money is Ali's thank you fee to Liu Han. He can choose to withdraw the capital and let the business be completely operated by Ali himself, or he can choose not to withdraw the capital and continue to enjoy his original share ratio.After all, the original shares are very valuable, just like Ma Yun is now, even if the outside world dilutes his shares, tens of billions of dollars, he still holds less than [-]% of the shares.

"Sigh~~~"

Wang Shichong and Qin Fen gasped at the same time.After the two heard Jing Xiandong's plan, they immediately understood how big a pie Alipay had thrown for them...

They can already foresee that this matter will make more money in the future.It is not an exaggeration to be a golden rooster that lays golden eggs.And Qin Fen, who was the most impatient, asked Lao Jing directly:

"Brother Jing, can I ask about the interest on this kind of loan?"

"Well, our initial decision was that the annual interest rate was between 12% and 14%, but now the decision of the think tank is not to say that, but to a relatively specific number. The current plan... should be 1000 yuan One day, it is about 10 cents to [-] cents, it depends on the feedback from customers. The initial promotional activities will definitely be slightly lower, but it will not be lower than the annual interest rate of [-]%, which is the bottom line..."

Lao Jing really regards Liu Han as his own brother, and he is absolutely unambiguous in what he says.To put it bluntly, anyone who is not an idiot will do this kind of work, and if Liu Han can benefit from it alone, it really does not depend on the hard power of the company, but purely on favor!

But Wang Shichong is not very sensitive to numbers. After hearing Lao Jing's words, he took out his mobile phone and started to calculate according to the numbers that Lao Jing said in the most stupid way.He muttered to himself while pressing the phone:

"1000 yuan is 1 cents a day, 5 yuan is five yuan, one hundred and fifty thousand... one billion is 50 yuan, one billion is 30, and then multiplied by 500 days, the profit of one billion is one thousand a month. [-]……"

"No, no, you can't do this calculation, it's the stupidest calculation. Old Wang, don't forget, if I'm not wrong about this type of loan, Brother Jing should be equal principal and interest, right?"

Qin Fen moved his eyes to Lao Jing, and Lao Jing showed a look of admiration:

"That's right, equal principal and interest."

"Look, according to your calculations, that is the worst loss. The real interest rate of this money is at most [-]%. Have you heard that sentence? Money has time value! You Do you know what month the most valuable payments on this loan were made?"

Qin Fen's words made Wang Shichong faint.If you ask him to ask philosophical questions such as "who am I, where am I, and who hit me?" it's okay, but when it comes to finance, although he is not an idiot, he is almost like an idiot.

So, seeing Lao Wang shaking his head, Qin Fen said with a wicked smile:

"It's the first month! Do you know the reason? It's that your first month's repayment can continue to lend out with the principal and interest, and it snowballs quickly..."

Before Qin Fen finished speaking, Liu Han also understood instantly.And Lao Jing secretly sighed in his heart:

"What the hell, the rich second generation in the novels these days are almost LOW, okay? This kid really has a good brain! This is what the rich second generation should do~"

Seeing that Wang Shichong still looked dazed, Qin Fen, who had been talking a lot, sighed helplessly, and turned his gaze to Liu Han:

"Boss Liu, tell me what you think. We can all follow your lead~"

(Calculus is committed again, I am also a dog, and went to the hospital, today’s update is random, I sent out all the written ones, I am going~)