"Is it really okay for you to leave Asami City and come here?"
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 the decision-making, and there are people under me who can solve some small problems. Even if there is an emergency, the network 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 slightly 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 Song Ci 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 preparation of the bank will still take some time. During this period, you should have a good rest. You will be busy when the bank goes 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.
"That's what I said, and you linked up 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 they are human beings."
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 to 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. Relying on the gaming industry and online shopping industry within the Jinqing system, this area is the easiest to do."
"The third sector is financial business. We absorb users' deposits, and we must use these money 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 doing an online bank.
.
"Of these three sectors, the first is the foundation, the second is the derivatives, and the third is the future. The three complement 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."