Because Jingdong Mall is preparing to go public, the founder Boss Niu has had frequent contact with Fan Liancheng recently.

Formal documents have been submitted to the Hong Kong Stock Exchange, and in order to meet the listing requirements and avoid some of the regulations that have been criticized by potential investors for a long time, it has earlier become an overseas company, registered in the Cayman Islands, and used an offshore company for holding.

Half of Hong Kong's listed companies are registered in the Cayman Islands, but as many countries have joined forces to encircle tax havens in an attempt to bring back tax wealth, the attractiveness of old tax havens has declined, and the wealth of the rich has become more transparent day by day.

The listing requirements of the Hong Kong Stock Exchange are slightly more relaxed, and the most relaxed is the Nasdaq Stock Exchange in New York, plus the Nasdaq attracts the attention of investors from all over the world, and it is more convenient to raise funds.

So in fact, in the details of going to the Hong Kong Stock Exchange or NASDAQ to issue shares before, Fan Liancheng had some small frictions with Boss Niu and some foreign venture capital forces, and in the end, Fan Liancheng, who held more shares, naturally won.

Boss Niu dared to offend other investors, but he didn't dare to sing against Fan Liancheng, after all, the cooperation between the two sides is not limited to one company, and Fan Liancheng's energy is not limited to Jingdong Mall itself.

You must know that Fans Holdings has always been the creditor of Jingdong Mall, and it has been deferred many times since it was taken care of, and it was stupid to fall out because of such a trivial matter.

When doing business in partnership, it is difficult to work together forever, and there will always be some small frictions.

What remains unchanged is that shareholders want the company to grow, occupy more market share, create more profits, and then maximize the benefits of their shares.

After returning from the Maldives Islands, Fan Liancheng put himself into work non-stop, rested for a while, and his mental state was relatively relaxed.

At this moment.

Sitting face-to-face with Boss Niu, in the office of Longcheng Group, he was busy with other businesses.

Fan Liancheng crossed Erlang's legs, found a comfortable position to sit there, and told:

"Whether it is Jingdong Mall or Alibaba Group, I treat them as core assets worthy of attention, and I am ready to hold them for a long time, rather than just taking a vote like some investments.

I have seen the information sent recently, the revenue growth in the first three quarters is quite good, indicating that there is no big problem with the previous development direction, and the market value is expected to exceed 30 billion US dollars in the short term after listing, and when the logistics network is all built, there is no need to suck blood investment, even if it is possible to invest 40 or 50 billion US dollars. There is one point that needs special attention, the Internet financial business, the time to get the financial license is earlier than Alipay, but the market share is far inferior, and more attention needs to be paid in the future. ”

In the circle of Internet companies, the calculation of market value is generally expressed in US dollars, the reason why it is not RMB, or euros, pounds and the like, is mainly in the investment circle, in the early years foreign capital in the field of financing is more active, in addition to the number of overseas listed Internet companies are quite large, unified use of US dollars for easy comparison, this has long been a habit, it is difficult to change.

Fan Liancheng is not domineering, relying on the high value of his shares, he is pointing fingers in front of Boss Niu, and he is only discussing some of the problems highlighted during the development period.

Boss Niu sighed when he heard this, and replied:

"I also found this shortcoming, but the number of Alipay users is too large, and it has long become the climate, and it is currently tied to so many companies, including the Meituan you invested in, etc.

At the beginning of last year, WeChat relied on the small plan of sending red envelopes during the New Year, and suddenly recovered the decline and seized many markets, and we are now cooperating with Tencent, but in the final analysis, there is still a competitive relationship in the cooperation, don't expect to give us the market share that is hard to get. Blame me for this, I didn't pay much attention to it in the early years, no one thought that the above would relax the supervision of the Internet finance field, and the shares were controlled by banks, such as what Yu'e Bao fund business, it would definitely be no fun three or four years ago. ”

"Don't count on WeChat, there is indeed a lot of competition with you, and it is worth rejoicing if you don't close the channel of WeChat Pay to buy Jingdong goods."

Fan Liancheng knew what the problem was, but he didn't have a good solution, so he made the Jingdong financial business bigger, and after hesitating for a moment, he asked: "How about using peer-to-peer network borrowing, that is, P2P? ”

After listening to Boss Niu, he immediately laughed, and said: "I always thought you were against this piece, I saw you mention it on the news a few years ago, so that the above attaches importance to the P2P business, in recent years, there are indeed many companies that cheat money and run away, attract people to invest money in it with high profits, and then launder money and run away to leave an empty shell, which is more ruthless than the Ponzi scheme, and there are few investors who can escape the catastrophe, mainly ordinary people who want to earn some interest, how to survive in the future." ”

"I got angry when I mentioned this, and I said that no one paid attention to me several times, and some people still threw money into it without investigating, who is to blame. ”

Fan Liancheng added: "We do this business, it must be different from their scammers, all the procedures are legal and compliant, and we can earn some interest margins like bank loans, so that customers can use them in emergencies." In addition, it can also bundle some users,If you use it easily,It will definitely not be easy to uninstall the program,Initially, it can be launched for old users who have used white strips,Try it to see how it works。 ”

Boss Niu thought about it for a while, felt that this idea could work, and agreed:

"Well, I'll let someone come up with a plan later, and the scope of the financial license should also include this part, but if it doesn't work, I'll think of a way.

By the way, I came here to ask you to help with something, the commission fee on WeChat is a bit high, and your relationship with Lao Ma must be better than mine, can you help me talk about it?"

Some requests are easy to handle, this matter is more difficult for Fan Liancheng, not that the face is not big enough, but that the business is a bowl of water, and the Jingdong Mall is exempted from part of the commission, and other companies will definitely make a fuss, so the problem will be serious.

Tell the truth to Boss Niu, and express his willingness to try it, and Boss Niu also understands.

After exchanging ideas on the details of the listing and long-term planning, Fan Liancheng personally sent him to take the elevator downstairs, calculated the time afterwards, and sent a text message to Wu Anyun, asking her how the review was going......