Is Wu Xiang so powerful now? Isn't he really bragging about X?

That's really the case, this guy's current strength, that's definitely beyond people's imagination!

Wu Xiang has a lot of business in his hands now, not to mention those small ones, such as what focus media, especially cool, singularity...... That's right, don't look at the singularity in our country, it is the boss of online reading, it is a giant, but in Wu Xiang's business, this is really just a very small deposit.

In addition, like investing in a certain fruit before, it is also very profitable now, not to mention this, and even his own film company, 307 and WNM in the United States, these two can not be said. Just the network company of the two old horses, the shares held by Wu Xiang are amazing.

Well, we can't even say much about the penguin of Pengcheng Laoma, although this company is also extremely strong, just the recent prestige, but it's really hot enough, let's just say that, China's huge communication giant, mobile, Unicom or something, they are all amazed now.

Originally, China Mobile played Unicom, Unicom played Mobile, or added a telecom to play landlords, but I didn't expect it, this fought for a long time, and finally found that their biggest opponent was the prestige of penguins!

That's right, it's really like this, the prestige is too fierce, that's what Wu Xiang said back then.

"You don't need money to call, do you think you need it......?" Well, this traffic also costs money in the end, but after all, it is not so painful.

For now, not to mention this extremely powerful prestige. Not to mention the 300 million primary school students that Pengcheng Lao Ma is proud of, let's just say that Ali of Hangzhou Lao Ma is this company. As far as Wu Xiang's stake in this company is enough to buy Disney's!

This...... Are you sure it's not bragging?

Not to brag, and beware, this is not Disney's film business, it's the entire Disney market, which is worth $150 billion according to the current market capitalization, that's all. Wu Xiang also bought it!

Isn't this Nima bragging?

Let's put it this way, Wu Xiang never thought that he would be so awesome before. So, he's really not bragging right now!

That's right, even Wu Xiang, a reborn person, he wouldn't believe it, he didn't know about his investment before he was reborn. It is an investment that was originally made according to the advantages of the reborn. Now, there has been such a change that he did not expect as a reborn being.

This change is a bit terrifying, Wu Xiang really never dreamed of it!

How so?

It's very simple, that is related to a word, which is still a little hot, called 'Internet finance'!

Let's put it this way, Wu Xiang didn't hear this word before he was reborn, isn't it Internet finance?

But when this Internet finance. When he, Wu Xiang, really came into contact with the core, he knew what he had gotten back then. This thing is so scary!

Is this such an exaggeration?

This matter has to be talked about slowly.

Everyone knows about finance, isn't it just about managing money, and then speculating on stocks and speculation...... Anyway, if you can speculate, you can speculate and invest to make money.

Internet finance, in Wu Xiang's understanding in the past, isn't that just a 'fish treasure'? What is this thing? Isn't it just a promise of a return, a little higher than the bank, but it seems that those 'Ponzi schemes' or something, they also promise high returns, right?

We must say that although this fish treasure has come out now, and the central bank has come out to speak, this thing is really not a Ponzi scheme, this is not Wu Xiang clarifying anything to himself, but this thing is indeed not a scam.

First of all, let's put it this way, why is the income of Yu Ebao higher than that given by the bank?

In fact, it is very simple, because this thing earns much more than traditional banks, that is, Internet finance, which has a great advantage over the traditional financial industry!

First of all, what is the deal with traditional finance?

In fact, it is also very easy to understand, that is, when you go to the bank to deposit money, an account will be opened for you, then, you use this account to spend, transfer, that is subtract, and you deposit in this account, that is to add.

It is very easy to understand, to put it simply, in the traditional financial industry, in addition to helping you keep this money, the other thing is to do accounts. Naturally, because your money is deposited in the bank, the bank can't always look at the money to grow hairy, right? They have to invest, which is more complicated, but basically it can guarantee profits, the most obvious is to earn the interest rate difference between the loan and the interest.

But this spread, that is, our interest rate spread in China is obvious, and it is relatively easy to make money, many foreign banks in this regard, in fact, there is no profit, as if there is a seam, it looks like a seam, but if you carefully sum it up, the interest rate spread of foreign banks is particularly small.

Will the banks drink the Northwest Wind?

Of course not, who are the people in the banks and the financial industry?

So, they have other ways, and there are naturally many ways to do this, but there is one thing that is very crucial, and this thing is the account they make for each account!

Yes, it can be seen as a ledger, and what is reflected in this ledger is too important, and this thing can derive a lot of things.

For example, the credit system, the credit system in the United States is based on the ledger of the financial industry, there are too many cats in it, and the value is too high, and there are countless places where you can make money, or how to say that those who engage in finance make money?

But now, there is something that has come out in China, and that is what I said before, Internet finance!

What is the Internet so much? Isn't that also finance? Can you compare to the current banks, that is, the traditional financial bulls? How many years have people been engaged in it? How old are you?

To be honest, Wu Xiang used to think so, and he didn't think there was anything wrong with this Internet finance, but he just added a few words, right?

But. Where are a few words added, this is a revolution!

How did it turn out to be revolutionary?

Let's talk about the 'ledger'.

Traditional finance. The ledger is in the bank, the bank knows a person's consumption habits, of course, this is only a general situation, they also know the financial status of a company, this is more accurate.

And Internet finance, this ledger. Not in the bank!

Let's just say Ali, everyone spends on Taobao, then everyone knows. This is a payment guarantee, and everyone understands the use of payment insurance, which is a third-party guarantee, that is, when buying something. Put your money in the account that pays for insurance first. Then wait for the things to arrive, no problem, and then confirm, then the money is in the hands of the merchant.

This matter, at the beginning, it was really just a guarantee, and when Wu Xiang gave Ma Jun the idea back then, he didn't think too much about it, it was a third-party one. Such a thing that reassures both buyers and sellers, but it is such a thing. Now it has changed, there has been a mutation, and this mutation is still a work in progress, as if it were a mutation at the speed of light!

Everyone will use the payment insurance, but do you know how it works?

In fact, it is very simple, that is, your bank account is from an ICBC, then you buy that thing, so you have to deduct money from your ICBC account, and this money will go into the account of the payment guarantee in ICBC, which is plus. But when this thing is in hand and confirmed, then it has to enter the merchant's account, and then the ICBC account of the payment insurance will be reduced.

At this time, if the merchant's account is ICBC, then naturally his ICBC account will be added, but if the merchant's account is not ICBC's, but ABC's, then the transaction at this time is. The payment guarantee is added to the account of the Agricultural Bank of China first, that is, the payment guarantee itself is posted first, and then subtracted, and then the account of the merchant will be added.

See what's wrong?

You must know that the merchant or individual account of the bank is calculated as the general ledger, that is, one plus one subtraction, and finally the whole number is made a pair that night, and it is over.

So now because of the payment guarantee, as long as you buy something on Taobao, what does the bank see?

They can't see the changes in the accounts of consumers and merchants, all they can see is the changes in the amount of payment insurance!

The so-called ledger, in fact, is, where does the money come from, where to go, how to go, these three elements, but also finance, finance is to say these three things, but now because of the emergence of payment insurance, and the bank can not see these three elements, at least it is incomplete, they can only see that the money enters the payment insurance, and then comes out of the payment insurance, that is to say, it is the consumer who has a relationship with the payment insurance, and the payment insurance has a relationship with the merchant, but what is the relationship in the payment insurance?

The bank is invisible, that is to say, this ledger, as long as the transactions that occur on the relevant platforms of Ali, then the bank will not be able to see this ledger, and this ledger is in the hands of the payment insurance!

This is Internet finance, that is, a financial revolution!

How can it be a revolution? Isn't that just an account book?

Isn't this a revolution? Because this ledger is the most important thing, and that's the reason why banks are profitable.

Many people, when talking about Alibaba's successful experience, are saying that in fact, Ali is making a circle, a very well-functioning business ecosystem.

But the question is, how did this circle come about? How did it become so good, so healthy?

Many people don't know, they can't give answers, and Wu Xiang didn't know before, but since he came into contact with some of the core things of this payment insurance, he has understood what is going on in this circle.

In fact, it is based on payment insurance, and then analyzes large numbers, and this circle naturally becomes......!

PS: Thank you for your support, thank you for the black car! Thank you Brother leesen for your like, thank you very much!

The black car is really grateful, really. What, yesterday's events were really a lot, it seems that this is the impact of the end of the Spring Festival holiday, and the Spring Festival really has international influence.

There was a person on Maozi's side who died, but this death was a bit too obvious, and then Comrade Guanhai couldn't wait to jump out and say something, although this guy didn't say it directly, but the insinuation in it ...... No one is a fool, right, but is the KGB's current methods so bad?

Okay, the black car conspiracy theory, however, the treasure island is also interesting, 228, everyone knows, so, the bronze statue of Kaishen Gong has been subjected to all kinds of insults, humiliation. This, this...... This makes the fans of our continent embarrassed, right?

Also, CCTV came out to slap the face and buy a Japanese rice cooker and toilet seat. To be honest, this matter is obviously ...... What the black car saw was that a media person broke the news that a large Japanese company bought the media and planned to hack China's domestic products!

It's too much, the black car takes a breath, and I'll talk about it next time, thank you, thank you, ask for a monthly pass, ask for a reward, ask for all kinds of ah!