In 2003, SARS ravaged China, and the indomitable Chinese finally defeated it. In the same year, Taobao was officially launched.

In the following ten years, it has developed rapidly as if it had been opened, and it has continued to create one miracle after another.

Before it created a series of miracles, the Chinese government made a timely relaxation of a series of related policies.

Although SARS is a bad thing, it has played an invisibly role in the rapid entry of Taobao into the public eye from one side.

When many people are afraid to go out and dare not go to crowded places to shop, it appeared in time to fill the gap of this demand.

Online shopping has not only become the slogan of Taobao, but also deeply entered everyone's hearts and led a fashion trend.

Masayoshi Kishimoto is the largest shareholder of Alibaba, accounting for 40% of its shares, and in the future, not only in China, but also in Southeast Asia, Africa, and even the world, Jack Ma's stake does not exceed 10%.

In Kishimoto's view, the official launch of Taobao is not amazing. It's not because he sees the future as a person from the previous generation.

Taobao is essentially a copy of eBay. It was eBay that really created this new way of shopping for human beings. The reason why it finally surpassed eBay is that it is a product of an era under China's reform and opening up.

Without the Chinese government's relaxation and support for relevant policies, Taobao would not have been founded. If China is still stuck in the era when one person raises more than five chickens, even if it takes the capitalist road, everything is water without a source and a tree without roots.

The second is the opportunity brought by the Chinese population dividend to Taobao. With a huge market of more than one billion people, there is naturally a soil that can create miracles.

Taobao has focused more on the needs of the urban population. At this time, if you want to achieve online shopping, you must not only have a computer and the Internet, but also have the cooperation of express delivery.

At this time in Chinese mainland, all this is still under rapid construction. As for China's vast rural market, and the needs of the lowest people in the city, this gap can only be filled when Pinduoduo appears.

In China, future leaders put forward the strategy of targeted poverty alleviation, and JD.com, Taobao and so on have gone one after another. In the end, all of them had little effect.

Only Pinduoduo went, not only did it get up, but it also got a good time. Pinduoduo's business strategy is to aim for low prices. As for whether things are good or not, that's another matter.

Anyway, the Chinese generally understand a truth, a penny, a goods. You can't expect to spend just the money to eat real shark fin!

What makes Kishimoto Masayoshi really feel that the most awesome thing about Alibaba is that Yu'e Bao was officially launched ten years later, Huabei was officially launched twelve years later, and Borrowbei was officially launched fifteen years later.

As soon as Yu'e Bao was launched, not only was the annualized interest rate much higher than that of the bank's one-year fixed deposit, but it also did not have to wait for the previous year to have the fixed interest given by the bank.

This move has caused deposits in Chinese mainland's large and small banks to decline rapidly. In the end, Yang Ma was forced to come out of the platform, and the existing set of rules were changed. The main purpose of this is for China's financial security.

The official launch of Huabei means that you have needs, but you don't have money in hand, it doesn't matter, I'll lend you money to buy it. Later, it will be repaid when it expires.

It can't be repaid at one time, but it can also be repaid in installments. If you can't pay it in installments, you have to be more leisurely when you buy it. This is both from Huabei's demonic brainwashing advertisement.

Huabei began to be limited to online shopping on Alibaba's Taobao, Tmall and other websites. Later, it was possible to make a full-site consumption both online and offline.

The support foundation for mobile payment can be achieved, that is, the great acceleration and popularization of smart phones and mobile networks, and the entry into the 4G era. This is due to Huawei, not China Mobile, China Unicom and other monopoly giants in the communications industry.

In fact, Huabei is a disguised credit card, a consumer loan. However, the relevant government policies stipulate that e-commerce platforms are not banks and do not have the right to directly issue credit cards.

After another N years, JD.com only got the signboard of online virtual banking in Hong Kong, China. It's just one of a few.

The official launch of borrowing is probably also a big cake that has begun to prevalence of consumerism in Chinese mainland and the surprisingly prosperous loan market.

It's just a matter of borrowing cash. The cash flow backlog on Alipay alone every day is already a huge amount in hundreds of millions. With the addition of Yue Bao, the number is even larger.

This trick can not only revitalize the cash flow on Alipay and Yuebao, but also cover the places that Huabei cannot set foot in a more effective way.

Whether it is JD.com, Tencent, or Suning, they can't do Alibaba's ultimate in this field, because they don't hold the hegemony of online shopping with their left hand like Alibaba, and they hold a lot of cash flow with their right hand.

Although Jingdong is also an e-commerce platform and online shopping, it is a rising star. It can stand out from the crowd because of its own strong logistics platform.

Even if the number of white strips is generally much greater than the amount of Huabei, not everyone can pass it. This also shows that its own amount of funds is insufficient.

As for Tencent, its main revenue is still in online games. Suning relied more on its early offline physical stores.

A closed cycle model has been formed, whether it is Huabei or borrowed, it is from Alibaba Group. In the end, I will go back to Alibaba Group.

Whether it's online or offline shopping, or how, you have to go through it more or less. Even if the cash borrowed from the borrower is spent, it will be deposited in the bank by others and then transferred to Yue Bao.

After all, the interest is still higher than the bank's one-year fixed deposit in the same period, and the interest is calculated every day, which is common to the whole site, and the mobile phone withdrawal does not exceed 10,000 yuan, and it arrives in 2 hours. Computer withdrawals will not take more than 24 hours.

It's so quick and convenient, there's no reason not to use it. It's not like a bank at all, when you deposit money, the branch counter likes you, and when you withdraw money, you are always unhappy.

Who will let others also have the pressure to absorb deposits? This will not be able to accomplish the set task, not only will there be only a guarantee, no bonuses or commissions, but also no job will be guaranteed.

There are so many reserve troops in ordinary universities, and it can be said that there are as many as there are. In the eyes of the vast majority of people, a job related to a bank branch is still a decent and good job.