"Xiaofan, this is the document just issued today. Take a look..."
In Zhang Fan's villa, Ruan Qingshan handed a document to Zhang Fan. Zhang Fan looked at Ruan Qingshan and quickly opened the document. He knew that if it was not a particularly important matter, Ruan Qingshan would never come to him.
Zhang Fan opened the file and read it. The more he looked at it, the more serious his face became. This document was issued by the central bank. The content of the document was very simple, which was to effectively manage the online payment platform.
In fact, the so-called management refers to the restriction of funds. This restriction is used to avoid risks.
"This is to cut off our source of funds."
Zhang Fan closed the document with an ugly look on his face. You must know that the reason why Longteng Group is growing rapidly is because of Yu'e Bao's ability to attract deposits.
Many investments directly use Yu'E Bao's funds. However, the central bank's regulations now require Longteng Group to restrict Yu'E Bao.
Today's Yu'E Bao has no upper limit on funds. The interest rate is much higher than that of banks. Therefore, since Yu'E Bao was launched, many people have deposited money into Yu'E Bao.
In this way, the bank's cheese has been moved. The amount of bank customer deposits has dropped significantly in the past two years. The main reason is the various babies launched by major online payment companies such as Longteng, Baili, and iFlytek.
The introduction of these babies has killed the banks. People's money has stopped depositing in banks. The bank's deposits have dropped significantly, and there is less funds.
In addition to various baby loans, there are also various small loans. For example, Huabei from Longteng Group is simple and convenient. It is much more convenient than credit cards from major banks, and the limit is not low.
After taking away the deposits, they then took away the loans. Moreover, Longteng Group also launched a special financial loan for everyone, and the interest rate was not high. This kind of thing robbed the bank of cheese.
This problem can be seen from the situation of banks in the past two years. Although the major banks are still relatively good, their profits are declining.
If it were not supported by a large number of mortgage loans, the profits of these big banks would be even lower. With this notice issued by the central bank, you can basically guess who is behind it.
"what to do?"
Ruan Qingshan asked in a low voice.
"What else can we do? Our arms can't twist our thighs. We are just a private enterprise anyway. We can only accept our fate..."
Zhang Fan sighed, with a deep sense of powerlessness in his heart. Some things cannot be done well if you work hard. There are some things you can't do even if you try your best. Because the above document can't be done.
It will completely ruin your efforts.
Now, Zhang Fan can finally understand the hardship. But this is National Day. Since Longteng Group is in China, we have to accept our fate. However, the one who will suffer the most from this restriction is Longteng Group.
In the field of online payment, Longteng Group currently has the largest market share. Now with such documents, Longteng Group still suffers the most losses.
According to the document, Yu'e Bao must reduce the total amount of deposits to avoid risks. At the same time, even Huabei and Borrowing must reduce the total amount. It must comply with risk leverage regulations.
As a result, the total amount of deposits in Longteng Group's Yu'e Bao will definitely be greatly reduced. At the same time, the total amount of funds in Huabei Borrowing must also be reduced. The relative profits will naturally be reduced.
"It seems like this is the only way. In the future, there will probably be more difficulties. Fortunately, the Longteng Group is currently stable. Our profitability is also constantly improving, and the taxes we pay are also increasing. The country is still very supportive of us.
Attention."
Ruan Qingshan said seriously. Longteng Group is a star enterprise in China. China naturally pays attention to such star enterprises. At the same time, Ruan Qingshan can also understand the behavior of the central bank.
In recent years, online payment has grown wildly in China. The speed is very fast. This is the spring of China's online payment and the legend of China's online payment.
After rising to this level, the country must also consider risks. Because the funds are too huge, if something goes wrong with the order, the losses will be huge.
Now the central bank wants to supervise this fund, limit the total amount, and strictly supervise the use of funds. This not only reduces risks, but also satisfies the interests of major banks.
"Xiao Fan, if we at Longteng Group want to expand our influence, the most important thing is to go global. Only by truly going global and becoming international can we increase our own voice."
Ruan Qingshan said seriously. Because of the Apple incident, Longteng Group can only huddle in the country. Although its capital has been increasing, it still has not gone out.
"It's not easy to go global. To go global, we must show our true strength. Core technology is our competitiveness..."
Zhang Fan said seriously.
"Yes, but now we can take two steps. On the one hand, we can mobilize funds to build our core technology. On the other hand, we can target third countries in the market."
Ruan Qingshan looked at Zhang Fan. These words made Zhang Fan look at Ruan Qingshan curiously.
"Don't underestimate third countries. The market in third countries is very large. Now many countries around the world have set their sights on third countries. After all, third countries have a large population. Nowadays, the market competition in some developed countries is fierce and the market is saturated.
.So the third country is a battleground in the future.”
Ruan Qingshan's words made Zhang Fan nod seriously. It is indeed the case. The economy is developing, and the economy of third countries is also developing. With the economic development of those countries, the purchasing power of those countries will definitely be stronger in the future.
At the same time, the population of third countries is also increasing. The market capacity is very large. The most important thing is that for Longteng Group, entering third countries does not require too advanced technology.
For the people in those countries, affordability is what they want. Because their income is relatively low, they cannot afford your high-end products.
"When you said that, I thought of a country."
Zhang Fan said with a smile.
"That country?"
Ruan Qingshan asked curiously.
"Batie..."
When Zhang Fan said these two words, Ruan Qingshan was stunned for a moment, and then started to think.
"Xiaofan, can you tell me why you chose this place?"
Ruan Qingshan raised his head after a while and asked. Although this choice is good, there are still some serious problems. Especially the transportation cost problem. In fact, the markets Ruan Qingshan has in mind are several Southeast Asian countries that are relatively close to Lanhai City.
"It's very simple. The market is big enough. The population is large enough. The most important thing is that we have a very good relationship with China. Although the transportation cost is a bit high, it depends on manpower. The most important point is that if this country develops well, it can increase our
Political capital…”
Zhang Fan said with a smile, which made Ruan Qingshan nod. At this point in the development of Longteng Group, the last point cannot be ignored, and it is something that must be paid attention to in the future.