"Brother Jian, separate our payment pass and set up a new subsidiary. ”

"Mr. Chen, who are you?"

"Before that, Alipay was only used as a platform for our credit guarantee, and it played a role in promoting everyone's online shopping. But now that everyone is more comfortable with online shopping, I think Alipay can try to open more services. For example, the transfer function. ”

After playing in Beishi for a few days, Chen Yu returned to Shencheng.

I-Access adjusted Alipay, and the newly established Alipay company was officially launched.

Of course, this independence is not just the independence of the part of the company.

The independence of the corporate sector is too simple.

As long as Chen Yu gives an order, Paypass can be independent.

What Chen Yu needs to be independent is to make this payment tool acceptable to everyone.

Because before that, everyone did not have a concept of payment for Alipass.

They just feel that Alipay is a guarantee platform, and it is not a payment tool.

So people don't have the idea of transferring money on this platform.

This tool is used when shopping.

In fact, when shopping, it is not that they actively use it, but that the platform will force it.

Of course, it's easy to popularize this idea.

You only need to open a series of transfer functions on Alipay.

As long as this feature is turned on, many people will try it out.

And they will soon find such a transfer feature very convenient.

Because they only need to know the Alipay account number, they can send money to each other.

Especially the intra-station transfer, almost in seconds, and he can also save a fee.

However, the transfer function is easy to open, but there is more to it than just functionality.

He is also involved in banks.

Where is the user's money transferred?

He can't be placed on the platform, the funds can only be placed in the bank.

And which bank to work with, this is the key to the problem.

It is different from the previous online banking business.

The online banking business is only a payment business, and the platform does not deposit funds.

Even if it is deposited, the funds will be transferred to the other party's bank account after the user pays.

However, if the transfer function is opened, especially the transfer function of the on-site payment account.

In principle, your funds can be kept on Paypass all the time.

Therefore, it is necessary to have one or more banks to cooperate.

Obviously, although many people may not be aware of the funds that this transfer function will bring.

But Chen Yu, who knows the future very well, knows that as soon as this account transfer function is opened, the entire financial system may change.

Therefore, what Chen Yu needs to cooperate with must be a bank with a certain strength, but at the same time can accept this business.

The big four banks are naturally very strong.

But Chen Yu didn't consider them in the first batch.

The big four banks are not not strong enough, but too strong.

In the early stage of development, Chen Yu wanted to avoid these giants the most.

Otherwise, once these major banks join forces, they will definitely have the strength to strangle in the early stage of Alicom's growth.

In fact, the four major banks in later generations also had a huge battle with Ali.

And they have also joined forces to launch a series of payment tools like Alipay.

But at that time, Alipay was already in full swing, and the four major banks were helpless about it.

Therefore, Chen Yu set his sights on Minsheng Bank.

Minsheng Bank is the only private bank in China.

Although he is not as strong as the big four banks, he is also inferior to some other state-owned banks.

But it's more powerful than the average local bank.

In addition, Chen Yu had a layout before this, and he has been slowly absorbing the shares of Minsheng Bank in the secondary market.

Until now, Chen Yu looked at the account, and Huanyu Investment currently holds 4.99% of the shares of Minsheng Bank.

With only 0.01 of shares, it reaches 5 points.

After thinking about it, Chen Yu went to Huanyu Investment Co., Ltd.

Huanyu Investment is an investment company of Huanyu Technology.

It mainly invests in securities and other interested companies.

At present, the person in charge of this piece is Zhao Danyang, the godfather of private equity.

In order to dig up Zhao Danyang, Chen Yu spent a lot of money.

"Mr. Chen, are you here?"

Knowing that Chen Yu was coming, Zhao Danyang greeted him at the door.

"Don't take it so seriously, I'll just come and take a look, let's go, go to your office, and the others will disperse." ”

With a wave of his hand, Chen Yu asked the others to go around the other place first.

"Mr. Chen, please come here. ”

Enter Zhao Danyang's office.

I only saw six screens in the office arranged in various shapes around Zhao Danyang's desk.

At the top of the screen, the charts of various stocks are displayed.

"Danyang, no, it's so professional. ”

Chen Yu said with a smile.

"Mr. Chen, let you smile. ”

Zhao Danyang smiled awkwardly, and then said: "Mr. Chen, I predict that there will be a big market in A-shares from this year to next year. ”

"Oh?"

Chen Yu asked a little strangely, "How do you see it?"

"A-shares have been hovering at more than 1,000 points for more than ten years, but the domestic economy has undergone earth-shaking changes. Residents' incomes have also increased substantially, and housing prices have continued to hit new highs. At the same time, the domestic Internet has kept up with the pace of the world, and is even in a leading position in many places......"

Speaking of this, Zhao Danyang looked at Chen Yu.

If you want to talk about the Internet, the biggest contribution is the one in front of you.

"Don't be a sycophant, keep talking. ”

"In addition, in the manufacturing sector, we have surpassed the United States and ranked first in the world, and we are now a veritable world factory. But even so, there is still no movement in our stock market. In my opinion, the current stock market has lagged far behind the real economy. Once the opportunity comes, he will inevitably create a very big market. ”

"Good analysis. ”

Chen Yu nodded.

He is worthy of being the godfather of private equity.

Combined with the previous life, the largest bull market in A-shares was launched from 2005 to 2006.

This wave of market jumped from the lowest point of 998 points to 6124 points, a full 6 times.

For some small and medium-cap stocks, it has increased dozens of times, and some have even increased hundreds of times.

This is a super bull market that has rarely been seen in the history of A-shares for decades.

However, at this time, Chen Yu does not have the energy to focus on the stock market for the time being.

"Well, stock market forecasting is over. Danyang, let me ask you, how much more do we need to reach the 5% shareholding ratio of Minsheng Bank. ”

"It's about 50 million, but, Mr. Chen, if our shareholding ratio reaches 5%, then we have to raise the card. ”

"All I want is a sign. ”

Listing in the stock market means that when an investor holds more than 5% of the shares of a listed company, he must make a written report to the relevant departments, as well as notify the listed company, and make an announcement to show his identity.

Previously, Chen Yu did not have too high requirements for the equity ratio of Minsheng Bank.

Moreover, in order to keep a low profile, Chen Yu has always kept Zhao Danyang below 5%.

But now, for the sake of payment, Chen Yu will stand up for the first time and raise his card to Minsheng Bank.