"Xiaofan, this is the document that was 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 hurriedly opened the file. He knew that if it wasn't for something particularly important, Ruan Qingshan would definitely not come to him.

Opening the file, Zhang Fan looked at it. The more you look at it, the more serious your face becomes. This document is a document issued by the central bank. The content of the document is simple, which is to effectively manage the online payment platform.

In fact, the so-called management is the restriction of funds. Use this restriction to avoid risk.

"It's going to cut off our source of funding. ”

Zhang Fan closed the document with an ugly face. You must know that the reason why Longteng Group is growing rapidly is now. A big reason is because of the storage capacity of Yue Bao.

Many investments are directly used by using the funds of Yu'e Bao. But now the central bank's regulations have allowed Longteng Group to restrict Yu Bao.

The current Yu Yu Bao has no upper limit on funds. The interest rate is also much higher than that of the bank. Therefore, since the launch of Yu'e Bao, many people have deposited their money into Yu'e Bao.

In this way, the cheese of the bank is moved. In the past two years, the amount of customer deposits of banks has dropped significantly. The main reason is that Longteng, Baili, and iFLYTEK have launched various babies launched by major online payment companies.

The launch of these babies can be regarded as the life of the bank. The people's money is no longer in the bank. Deposits in banks have fallen sharply, and funds have been reduced.

In addition to all kinds of babies, there are also all kinds of small loans. For example, the Huabei of Longteng Group is simple and convenient. It is much more convenient than the credit cards of major banks, and the limit is not low.

Snatch the deposit, and then snatch the loan. Moreover, Longteng Group has also launched a special financial loan for everyone, and the interest rate is not high. This kind of thing, but the cheese that robbed the bank.

This problem can be seen from the situation of banks in the past two years. Although several major banks are still relatively awesome. But profits are slipping.

If it weren't for the large number of mortgages, the returns of these big banks would be even lower. Now that the central bank has issued this notice, it is basically possible to guess who is behind the troublemaker.

"What should I do?"

Ruan Qingshan asked in a low voice.

"What else can I do? The arm can't twist the thigh, no matter what, we are just a private enterprise. I can only accept my fate......"

Zhang Fan sighed, with a deep sense of powerlessness in his heart. There are some things that you can't do well if you work hard. There are some things that you can't do even if you try. Because a single document on it can make all your efforts come to an end.

Now, Zhang Fan can finally understand that kind of hardship. But this is the National Day, since Longteng Group is in China, it has to accept fate. However, this time the biggest loss is Longteng Group.

In the field of online payment, Longteng Group now has the largest market share. Now such a document, the biggest loss is still Longteng Group.

According to the document, Yu'e Bao must reduce the total amount of deposits to avoid risks, and at the same time, even Huabei and borrowing must reduce the total amount. Must comply with the risk leverage regulations.

In this way, the total amount of deposits of Yu'e Bao of Longteng Group will definitely be greatly reduced. At the same time, the total amount of funds borrowed by Huabei must also be reduced. Relative profits will naturally decrease.

"Looks like that's all there is to it. In the future, it is estimated that there will be more difficulties. Fortunately, at present, Longteng Group is stable. Our profitability is also improving, the taxes we pay are also increasing, and the state still attaches great importance to us. ”

Ruan Qingshan said seriously. Longteng Group is a star enterprise in China. Huaxia naturally attaches great importance to such a star enterprise. At the same time, Nguyen Thanh Son can also understand the behavior of the central bank.

In recent years, online payment has grown savagely in China. The speed is very fast, which is the spring of Huaxia network payment and the legend of Huaxia network payment.

Having risen to this height, the state must also consider the risks. Because this fund is too large, if there is a problem, the loss will be large.

Now the central bank is to supervise the funds, limit the total amount, and at the same time strictly supervise the use of funds. This not only reduces the risk, but also satisfies the interests of major banks.

"Xiaofan, we Longteng Group want to expand its influence. The most important thing is to get out. Only by truly going out and internationalizing can we increase our own right to speak. ”

Ruan Qingshan said seriously. Longteng Group can only curl up in China now because of Apple's affairs. Although the capital has been increasing, it still has not gone out.

"It's easier said than done to get out. To go out, we must show real strength. Core technology is the ...... competitiveness"

Zhang Fan said seriously.

"yes, but we're now. It can be done in two steps. While mobilizing funds to build our core technology. On the other hand, we can target the market to third countries. ”

Ruan Qingshan looked at Zhang Fan, and these words made Zhang Fan look at Ruan Qingshan curiously.

"Don't underestimate third countries. The market in the third country is very large. Many countries around the world are now looking at third countries. After all, third countries have large populations. Now the market in some developed countries is highly competitive and the market is saturated. Therefore, the third country is a battleground for the future. ”

Ruan Qingshan's words made Zhang Fan nod seriously. That's true. The economy is developing, and so is the economy of third countries. With the economic development of those countries, then the purchasing power of those countries will definitely be stronger in the future.

At the same time, the population of third countries is constantly increasing. The market capacity is huge. The most important thing is that for Longteng Group, entering a third country does not require too advanced technology.

For the people of those countries, affordability is what they want. Because their income is relatively low, they can't afford your high-end products.

"You say so. I think of a country. ”

Zhang Fan said with a smile.

"That country?"

Ruan Qingshan asked curiously.

"Pakistan Railway ......"

When Zhang Fan said these two words, Ruan Qingshan was stunned for a moment, and then thought about it.

"Xiaofan, can you tell me why you chose this place?"

Ruan Qingshan looked up after a while and asked. Although this choice is good, there are some serious problems. Especially in terms of transportation costs, in fact, the market in Ruan Qingshan's mind is several Southeast Asian countries that are relatively close to the blue ocean city.

"Quite simply, the market is big enough. The population is large enough, and the most important thing is that it has a very good relationship with our Huaxia. Although it is a bit high in terms of transportation costs, it is man-made. The most important point is to develop well in this country. 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 the future is something that must be paid attention to.