After coming out of Haizhou Bank, Ding Le asked Xia Xiao to watch a movie together in the evening.

The pioneering work of the Marvel universe, "Iron Man", has been released in China for a long time, and if you don't hurry up to see it, the movie theater will be offline.

Robert Downey Jr. redefined superheroes in the movie, and this "Iron Man" saved Marvel and opened up the world of superheroes for fans.

In his previous life, Ding Le was a senior Marvel fan, and he did not lose a lot of movies produced by Marvel, and he also bought a lot of comics published by Marvel through overseas agents.

After being reborn, his biggest regret is that he has to wait another 10 years to see the finale of the Women's Federation, from 2 years to 10 years, his experience is as magical as the parallel universe in the Marvel world.

Before Xia Xiao returned to China, she had actually watched "Iron Man" in the United States, and this time she accompanied Ding Le to brush it up for the second time, and she still watched it with relish.

Ding Le can no longer remember the emotions when he watched this movie in his previous life, and as the plot of the movie was presented, he gradually fell into a mood of remembrance and reminiscence......

After the movie ends, the two walk the streets and tell each other interesting things that have happened these days.

In the first half of the year, the central mother successively raised the quasi-principal ratio of deposits, the banks tightened, the financing difficulties of real estate enterprises, and at the same time, the people's demand for housing declined, and the scale of commercial housing sales rarely showed negative growth. In order to survive this cold spell, developers have had to recoup their money by selling at lower prices.

After Xia Xiao returned home, she saw that all the buildings in Haizhou were being reduced in price and promotion, so she took her parents around to look at the house. After careful selection, I finally bought a set of more than 200 square hardcover duplexes in the name of my parents. Then she invested in a set of more than 60 square meters of shops, and spent nearly 3 million yuan before and after the purchase of real estate.

After the store arrived, when she saw that there were still hundreds of thousands of funds in her account, she thought of investing in a convenience store for her parents.

During her study in New York, she was deeply impressed by the 7-Eleven convenience stores on the streets, and the teaching case of the business school also had an analysis of 7-Eleven, and she conducted an in-depth study and analysis of the operation mode of the 7-Eleven convenience store in order to pass the teacher's assessment, so now she wants to replicate one such convenience store in Haizhou.

"Opening a convenience store, on the one hand, I want to test my theoretical knowledge, otherwise those cases in the business school are just on paper after all, and on the other hand, I am also looking for something to do for my parents!"

After Xia Xiao's younger brother went to Yan University, there were two old people left in the family, and they had things to do, which could indeed make their lives fuller.

"I want to open a convenience store before I go back to the United States next month, so I'm going to be very busy lately, and I don't have time to take care of you, don't be angry!" Xia Xiao explained to Ding Le with an apologetic face.

Since the two fell in love, they have been getting together less and leaving more. Ding Le originally warned himself that he must spend some time with Xia Xiao when he returned to Haizhou this time, but he didn't expect that her schedule was already full.

"If the two love for a long time, how can it be in the morning and twilight!" Ding Le said this, but his heart was actually miserable.

Now that the net is cleaned, the description of the slightest excesses will be blocked, and the rookie author does not dare to commit crimes against the wind, he is not touched by the right time and place, and the old driver's driving opportunities are destined to become fewer and fewer......

Since he didn't have the opportunity to drive, Ding Le had to put his vigorous energy into his work.

In the current national situation, what the leadership decides is usually implemented quickly. After Yang Zongpei made the decision to cooperate with Qiandai.com, it took only one week from the selection of assets to be transferred to the signing of the asset transfer agreement between the two parties.

Whenever it comes to the specific time nodes of the semi-annual and annual periods, Haizhou Bank will carry out asset transfer business with its peers, sometimes in order to control the deposit-loan ratio and sometimes transfer in order to increase the scale of assets, all of which have the nature of repurchase, that is, at the time of transfer, the two parties will agree to buy back the transferred assets at an agreed price on a certain date in the future.

This time, the asset transfer method between Haizhou Bank and Qiandai.com is different from the past, and the two parties signed a buyout credit asset transfer contract, without a repurchase agreement, which truly realizes the asset off-balance sheet for Haizhou Bank, and improves the capital adequacy ratio while improving asset liquidity.

The amount of the initial cooperation between the two parties is 50 million yuan, and the underlying assets selected by Haizhou Bank are project loans with normal repayment of principal and interest, and after the signing of the credit asset agreement, Qiandai.com entrusts Haizhou Bank to perform various rights and interests under the assets on behalf of Haizhou.com, the most important of which is to collect the borrower's interest and transfer it to the settlement account of Qiandai.com in Haizhou Bank.

After the problem on the asset side was solved, in order to make the money bag network operate as soon as possible, Fei Yang and Chang Dong tried their best to recruit troops everywhere. They even used the network resources accumulated during their "undercover" period to dig into the corners of the network and Qifang.

At this time, Paipai was still in the stage of confusion and struggle, because there was no business, the company continued to lose money, and it had reached the point where it could not make ends meet, and even the company's office moved from a magnificent office building to a dilapidated residential area.

Similarly, the CEO of Qifang.com is using his experience as a teacher in the United States and an investor on Wall Street to look for venture capital.

Different from the dilemma of paipai loan and Qifangwang, Qiandai.com is like a rich child born with a golden key, the company's registered capital is as high as 100 million yuan, and major shareholders can also increase their capital at any time.

Whether it is capital investment or business model, it can be said that from the date of incorporation, Qiandai.com has left all its peers behind.

Fei Yang made a good relationship after entering Paipai Loan, and Chang Dong also made friends from all walks of life after joining Qifang.com, and now with the high-quality platform of Qiandai.com, they quickly recruited the business backbone that the company needs.

With the gradual arrival of personnel and the initial prototype of the company's basic framework, Ding Le began to reduce his intervention in the money bag network, Fei Yang and Chang Dong officially took over the management of Orion, and the money bag network was officially put on the agenda.

After the money bag network is launched, the credit assets transferred by Haizhou Bank will be divided into several small investment collections, each of which corresponds to one or several claims. After receiving the interest every month, it will be paid to the investor's personal account according to the proportion of capital contribution.

Money Bag Network makes a profit by charging customer intermediary fees and earning the interest rate difference of the bank's transfer of assets. Moreover, after receiving the investment funds from customers on the wealth management side, the money bag network can continue to invest in the asset side to purchase the bank's high-quality assets, and the cycle continues.

As soon as Ding Le let go of the money bag net, there was good news from Xu Jing's side.

Jumei has been online for one month, the website transaction volume has exceeded 10 million yuan, the number of registered members has exceeded 100,000, the daily order processing volume has exceeded 10,000, and the daily number of visits to the website has also continued to increase.

"At this rate, we will be profitable by the end of the year!" Xu Jing said excitedly on the phone.

In the past, Ding Le had been painting a beautiful blueprint for her, but now the role is reversed, and it has become her to paint a beautiful blueprint for Ding Le.

"We must continue to increase marketing efforts, don't worry about profitability first, we must increase market share as much as possible, and when the scale goes up, profitability is just a matter of course. Ding Le suggested on the phone.

The e-commerce industry has always been a money-burning industry, replacing time and users with burning money is the usual routine of e-commerce giants, and the whale east established last year is a typical representative, the e-commerce giant has been established for more than 10 years, losing money every year, and can still live a nourishing life, which is not the key.

Jumei has entered the fast lane of development, the money bag online is just around the corner, Ding Le has successively card positions, and successfully laid out the dual-base development model, in the next few years, with the demographic dividend of domestic e-commerce, these two companies have the possibility of becoming industry giants.