Move the cheese in the bank!

Lin Feng narrowed his eyes and was very interested in this. Especially these four major businesses, Lin Feng was already angry at taking advantage of the situation this time. Lin Feng expressed his willingness to touch their cheese.

"Mr. Lin, as we all know, ordinary people in China have very few investment channels. They either invest in banks and earn pitiful interest, or they invest in the stock market in the terrified hope of making some money." Ma Yun looked excited, "Just four.

As for the savings of major banks, although the stock market is currently in a bull market and many people have invested their funds in the stock market, there are still large private deposits. The deposits of the four major banks exceed trillions of RMB. And the returns on these funds are very

Low.”

Lin Feng nodded. Today's state-owned banks are almost making money on their own. The money that ordinary people save is collected at very low interest rates, and then loaned out at several times higher interest rates. This money is really very profitable.

.

"But even if ordinary people know that bank money is easy to make, they have no choice. Because this is a monopoly, ordinary people have no choice but to accept it." Ma Yun clenched his fists tighter and tighter, and his eyes began to shine, "But we

It can change everything.”

"Change? How to change?" Lin Feng hesitated. His "Second Bank" was operated according to the Western model, but in fact after entering the country, in addition to being tied to the "Second World", the four major banks were a little helpless.

In addition, the rest of the bank reserves and the like are still unable to compete head-on with the four major banks. Why? Very simple, monopoly. Policy bias has made our "second bank" very discriminated against in the country. Except for a few first-tier cities

In addition, it simply does not allow its "Second Bank" to build branches in other second- and third-tier cities in the country. This has led to many people not depositing money in their own banks. Except for young people, they can go through the "Second Bank"

'Shopping on 'Dingdang.com'. Consumption in 'Second World'.

"It's very simple. We launch a balance value-added service, which is similar to the financial products launched by banks. However, the bank's financial products require a starting threshold of tens of thousands of yuan and have a fixed time, but we do not need to deposit and withdraw at any time.

There is no lower limit, even 1 yuan or 1 cent can be used for balance investment. And you can enjoy interest far exceeding that of bank demand deposits." Jack Ma said excitedly, "At present, the interest rate of five-year time deposits in major banks is about 3.7%.

, the current interest rate is 0.38%. And we can introduce a balance appreciation interest of at least more than 5%. If launched, I believe that people will be willing to save money!"

Lin Feng's eyes lit up.

"How to make money, and how to ensure that users can deposit and withdraw money?" Lin Feng asked.

"Mr. Lin, profit is very simple. In fact, every time the major banks lend money, the interest rate is basically more than 10 points. After we have gathered a large amount of funds, we can sign a large-scale investment agreement with the bank.

The agreement can generally be about 8 points. In this way, we can earn a little price difference from it, although it is not much. But the advantage is that the money is not paid by us, and with more funds, the profit is also very high. Not to mention other things

, we can also lend to companies in urgent need of loans, and can also make various investments. This can ensure our interests. As for depositing and withdrawing money, this balance value-added service will be based on 'Alipay'. That is

"All money is transferred through major banks and Alipay. So, you only need a computer, a network cable, and online banking to enjoy balance value-added services!" said Jack Ma excitedly.

Lin Feng carefully calculated that if this were the case, it would indeed attract many users to transfer funds to Alipay. After all, for the vast majority of ordinary people, they are still more able to accept traditional value-added services, that is, transferring money to Alipay.

Put it in the bank. Even though the stock market is super hot now, and many people even mortgage their houses to speculate in the stock market, there are still trillions of yuan in money in the bank. After all, most of the people who dare to enter the stock market are those who are eager to get rich and have more avant-garde ideas.

People, but more ordinary people are still relatively conservative and are more content with the status quo by depositing their money in banks to collect interest.

But the bank interest rate is only a little, and the interest rate on demand deposits here is more than 5 points. How can this not be attractive? Therefore, Lin Feng has absolute reasons to believe that ordinary people will deposit money into Alipay.

"Are there any risks with this balance value-added service?" Lin Feng asked.

"Mr. Lin, of course there are risks, but since 'Dingdang.com' belongs to you, the risks are close to zero in my opinion." Ma Yun sighed.

"Oh, what kind of explanation is this? Let's hear it!" Lin Feng asked curiously.

"Mr. Lin, the biggest risk is the crime of stealing passwords on the Internet. I am afraid that the network port will be hacked. I believe that with the technical strength of Mr. Lin, this can be eliminated. After all, it can

Let the 'second world' never suffer from hackers, I believe Alipay can do the same. The second point is whether banks will clamp down on this balance value-added service, and whether they will worry about our balance value-added service impacting them

.But with Mr. Lin’s status in the country, I believe this can be solved. Therefore, the risk is almost zero.” Jack Ma paused slightly, showing the last trace of solemnity on his face, “The only thing I’m worried about is whether the mobile client will be infected by the virus.

Intrusion, resulting in the loss of customers' funds! After all, mobile phone viruses have been heard for a long time. Although many people have not been infected, it does not mean that there are none on the market. Once infected, and the customer does not understand computers, the loss will be extremely huge.

.”

When Lin Feng heard this, he chuckled.

"Don't worry, you can rest assured about this. After the next generation of smart phones is launched, mobile phone viruses will disappear." Lin Feng said confidently. This is just like in later generations, the 'ios' system has almost no viruses, because

Due to its closed nature, all software must be officially reviewed by Apple before it can pass, which naturally eliminates viruses. The only situation where you may be infected is if you 'jailbreak', causing you to be infected. As for the other system Android, because it is open

Yes, anyone can release software at will, so mobile phone viruses are rampant.

Lin Feng's 'Pangu System', like 'ios', is also closed. Although open source brings endless changes, it also brings instability to the system and its user experience is also extremely poor. Therefore,

Since the 'Pangu System' is closed, there will naturally be no viruses. Of course, this does not mean that customers' funds will not be stolen. After all, there is an extreme environment under any circumstances. For example, your mobile phone is stolen, and your wallet is stolen.

It has also been stolen, and the wallet happens to contain your ID card, credit card, etc., and then the scammer knows your bank card password. In this case, your funds may be stolen. But this is the most extreme case.

Maybe among a million people, not one person would have such a weird thing happen to him.

"By the way, does this balance value-added service have a name?" Lin Fengxiao asked.

"I want to name it 'Yue Bao'." Ma Yun said excitedly. What Lin Feng means is that Lin Feng has agreed to his plan and he can flex his muscles. He finally found a place where he can display his talents.

place.

"Yu'e Bao, yes, this name is good, I'm very satisfied." Lin Feng nodded, this name is very good, easy to understand.

"Then Lin Feng, you agreed to this plan!" Liu Yingying interrupted at this moment.

"Well, of course. From today on, Jack Ma, you will serve as the president of 'Alipay', oversee all operations of 'Alipay', and concurrently serve as the chief operating officer of 'Dingdang.com'." Lin Feng immediately announced, "At the same time,

I will give you a task. If you can collect 300 billion yuan within four days, I will give you a big red envelope."

When Ma Yun heard this, he was as excited as a chicken blood. He immediately issued a military order and promised that he would raise at least 300 billion yuan into Yu'e Bao within four days. Then, after Ma Yun said goodbye to Lin Feng impatiently,

Without waiting for Liu Yingying, she walked away directly.

"Ha, Yingying, it seems that your work will be very rhythmic in the future!" Lin Feng joked.

"Haha, Ma is always a talent. He just met you. Otherwise, I think the 'Alibaba' he created before would have been successful. But he has been up and down for so long and is eager for a platform. Now you have given him a platform.

He is naturally very motivated." Liu Yingying sighed, "By the way, more than 300 billion yuan was raised in four days. Is this possible?"

Of course, this young person has no problem, but what about the middle-aged and elderly people? Can they operate computers? In today's situation, the savings in the hands of middle-aged and elderly people are much larger than those of young people.

"I don't know, but Ma Yun agreed so readily. I think he must have a solution. Let's see what solution he has!" Lin Feng said expectantly.

"By the way, how are you going to solve the US$80 billion?" Liu Yingying asked.

"At present, the company has no choice. It depends on whether Jack Ma's 'Yue Bao' can help me raise funds. As long as it exceeds 300 billion yuan, then I can repay the US$80 billion debt," said Lin Feng.

.

At present, Lam Feng's remaining channels and various favors can still raise US$50 billion. If Jack Ma can solve another US$30 billion, there will be no problem at all. Lam Feng's original plan

, let’s see if we can use some of our resources to blackmail the superiors and ask them to issue red-headed documents to give us loans. Now it seems that I don’t need it anymore.
Chapter completed!