The division of labor between Xu Qinglian and Shi Wenjun is currently led by Xu Qinglian, who is good at strategy, and controls funds and personnel rights, while Shi Wenjun, who is good at practice, is responsible for specific business development, promotion, and market expansion. And Kangsi and her joint efforts with Wang Ai
The students are respectively responsible for specific business negotiations. With Milan as the core, "Light of the Apennines" is extending its tentacles to Southern Europe, Western Europe, and Eastern Europe. It is gentle and courteous, and with generous orders, it has extensive contact with middle- and lower-class businesses in society.
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In the next step, when the "Light of the Three Eastern Provinces" is grafted over, these nodes that are gradually linked to the "Light of the Apennines" network will become the first batch of customers of the "Light of the Three Eastern Provinces".
According to Xu Qinglian's vision, the self-operated business of "Light of Apennines" will be fully liberalized except for a few agricultural and sideline food products. The purchasing agency business will gradually shrink and give way to self-built stores by merchants, mainly for China, while retaining the business for the world.
choose.
At this "818 Meeting", Xu Qinglian and Shi Wenjun jointly and formally proposed to Wang Ai a request to develop their own settlement tool. In layman's terms, it means that Taobao is facing a historical moment when it must develop its own Alipay. This is another historical moment.
This is a huge project, because with the development of business, the cash flow of various bank cards is intertwined on the website, and a unified settlement tool must be used to convert it. This is a more complicated situation than Alipay. Relatively speaking, now
At this stage, the purchase money from Chinese customers will be entered into the company's account, and finally converted into euros and withdrawn from Wang Ai's salary card. However, this model is limited by Wang Ai's revenue capacity, although he can earn money from the advertising revenue allocated to the R Fund.
China and Norway have borrowed a lot, but it is still impossible to keep up with the current trend of the company's business expansion.
It will have to be solved sooner or later.
The next step is more complicated when European customers purchase products from "Light of the Three Eastern Provinces". Regardless of the amount, many banks pay into the company's account and then convert it into RMB to pay domestic merchants. This process is too cumbersome and the amount of funds accumulated at the same time is huge.
It is too large, and even if the accumulated funds are calculated by two people, the bank interest that should be generated by the accumulated funds may even squeeze the company's profits.
This requires an automatic settlement tool that can quickly divert funds, reduce the company's demand for funds, and improve the company's profitability.
Wang Ai frowned after listening to the report of the two people, and thought for a moment and said: "Wenjun, after the Idiot Fund ended its business, it was divided into two. One part went to the Wang Fund, and the other part went to the Future Fund. Among them are some financial talents. Financial license
For the time being, the country has not made any move to provide private capital, but I estimate that it will definitely move in the next three or two years, so we have also reserved some talents. After all, the Idiot Fund back then was a bit like a bank, so you have to set up our payment tool
, you can find someone from over there. Well, you can just tell my mother directly, she pinched her a lot."
Shi Wenjun asked with interest: "Why do such talents stay at the Future Fund? Our salary is not high?"
Wang Ai smiled: "Most of them are from the Northeast, grew up in the culture of state-owned enterprises, and would like to feel less burdened."
Shi Wenjun thought for a while: "What are the additional benefits of lifetime employment?"
Wang Ai shook his head: "It's not an additional benefit. This is our unique management method to stabilize the talent team and adapt to the Northeast culture. In short, if you want to find someone to find my mother, there should be suitable talents. I just don't know if it is possible.
Those who leave Taobao can directly learn from Alipay..."
"No need." Xu Qinglian and Shi Wenjun shook their heads together, and finally Xu Qinglian explained: "Although this is technically difficult, it is not very complicated. It is nothing more than automated processing of information, such as appropriations and account transfers. The difficulty is to understand financial policies and understand
Banking and financial situation, talents who are good at negotiation. The key is to be able to obtain authorization from various banks, both domestic and foreign."
"It's easy to say in China, the Future Fund will definitely have enough talents. If not, my mother can also look for her friends. Well, I can also look for them. When the Idiot Fund officially started, I knew a few people from the Ministry of Finance and the People's Government.
For bank officials. But overseas?" Wang Ai breathed a sigh of relief: "First ask my mother if she has any. If not, go to Huang Xin. Her China-German Chamber of Commerce has been established for more than half a year. Chinese companies in Germany
Eighty percent of them have joined the association, and they should have relatively rich experience in dealing with the banking industry, and may even be able to help."
"Is it possible?" Shi Wenjun asked doubtfully: "Isn't the Chamber of Commerce just a platform for chatting?"
Wang Ai smiled: "Of course the chamber of commerce we established is also a platform for chatting, but we, the organizers, never wanted to make money from it from the beginning. Taking advantage of our status in Tübingen and the strong economic strength of Baden State instead gave us
They helped me a lot. In short, they were very kind and convenient."
"That's good." Shi Wenjun breathed a sigh of relief and sat firmly on the sofa opposite the boss's desk. Xu Qinglian, who was behind the boss's desk, also leaned on the boss's chair. It seemed that this matter had been bothering them for a long time.
Wang Ai looked at the two of them: "After developing our payment tools, more and more funds will be deposited. After all, we also need a shopping deposit system. When the funds reach a certain level, we must develop loan business. If our
If your career develops smoothly, this platform may make a small profit, but this loan business may be a rapid growth point in the next stage, so you have to think carefully."
"Let's lend money, what do you want?" Shi Wenjun wondered.
"Subprime mortgage crisis." Wang Ai nodded at her: "The urge to make money in finance is endless. When we had funds to accumulate, you thought of developing payment tools to speed up settlement. When there are still funds to continue with various margin qualifications
When it settles, you will think of lending. But when lending, you will find that the loan contract itself can be mortgaged. This is the subprime crisis. We will use our only funds one by one to bring in more and more
With so much bank and personal funds, it seems that the entire chain is extremely prosperous. However, when the economic crisis occurs, everything will be fed back to us. We will spit out whatever we earn, and even our website platform will be implicated, and even return overnight.
By the time of liberation, nothing would be left, and we would be driven away from the place where we started.”
Xu Qinglian and Shi Wenjun both took a deep breath and heard Wang Ai continue: "So? My family's company is not listed on the market and its shares are not dispersed for the sake of safety. Others are short of money and we are not short of it. We need more funds.
What to do? In the end, it will only touch things that we should not touch. The same goes for this website. It will not be listed or diversify its equity. Keep the Basel Accord in mind. No matter how delicious the fruit in front of us is, we must not forget how big our appetite is.
"
This chapter has been completed!