Inside the conference room.

After everyone left, only Lao Xiao and Chen Chuliang were left.

After being quiet for a while, as the big butler under Chen Chuliang, Lao Xiao had a very serious question to ask him: "BOSS, buy PayPal, there is so much money from Wei Technology." ”

Lao Xiao looked at Chen Chuliang with a look that we were very short of money now.

The boss doesn't know the company's situation, but Lao Xiao knows it very well.

They had to keep their surplus food for the winter, and there was not much left. …

And now it is ready to buy PayPal.

Even if the final offer to buy PayPal is 2 billion to half, it will be 1 billion dollars.

The money. For promising technology that has not introduced foreign capital now, it is very difficult and difficult...

Therefore, Lao Xiao is like a clever woman who is difficult to cook without rice, with a worried face....

Hearing Lao Xiao ask this very tricky question, Chen Chuliang picked up the cup on the table and took a sip of water: "Lao Xiao, why are you looking like a bitter gourd face... Don't we really have much money of our own?"

Old Xiao said bitterly: "Yes, BOSS, the funds we can turn over now in our hands add up to less than 100 million US dollars, and we are still far from acquiring PayPal... And now you've decided to buy it, I'm in a hurry, where will the money come from, unless we can raise money in a short period of time... But we also have to chase out almost half of our shares... This is obviously impossible...."

Weighing the pros and cons, Lao Xiao thought about it very clearly.

To acquire PayPal.

There is only financing for promising technology.

Otherwise, there is no money to take out a big plate abroad.

As for borrowing from banks.

Youwei Technology still has unpaid debts and can't borrow much.

Chen Chuliang said 'oh', he didn't care about the finances, only to find that the company's surplus grain was so small, not 100 million US dollars, and he couldn't help but feel that it was really like spending money: "It turns out that we only have so little money?"

Lao Xiao almost cried and said that the BOSS really didn't know how expensive firewood and rice were: "Yes, all business divisions are spending money, except for online games that can make money, the others are throwing money in... It's good to have hundreds of millions of cash flow. Fortunately, some time ago, there was cash in the exchange for soft drinks and online games with Haha Group. ”

Chen Chuliang probably knew that Lao Xiao also had a headache when he was the housekeeper. He thought for a while, and suddenly thought of a very critical point, so he asked: "Old Xiao.. Let me ask.. What about the funds deposited in our Alipay account?

Alipay exists as a third-party independent account, which is different from the company account of Youwei Technology, and because users participate in the purchase of online goods in this account, there will inevitably be precipitated funds in this account in a certain cycle.

And Lao Xiao also said that Alipay's monthly sales reached 3.3 billion last month.

This is the first month's sales.

The second month definitely skyrocketed.

Therefore, Chen Chuliang decided to move the money.

Lao Xiao was also empowered by Chen Chuliang's words.

How did he forget that they also have a financial aircraft carrier Alipay.

Although the money is deposited in an Alipay account.

But Alipay belongs to Youwei Technology.

How Youwei Technology uses this money is not up to its own company.

"BOSS, do you mean that we use the funds precipitated in Alipay? Calculating, our turnover last month was 3.3 billion, but now, the funds precipitated in the account are only about 2 billion, and these 2 billion funds must be paid out at any time after the user confirms the receipt. "Lao Xiao has already determined that the boss has a plan. But this money is not small, as far as last month is concerned, their monthly sales of Alipay have reached 3.3 billion a month... Moreover, now Alipay is preparing to have another half-price activity in November....After a month of publicity and adaptation, Lao Xiao can expect that the precipitated funds in their Alipay account will suddenly double or triple in November...

If you use this money to buy PayPal.

It's almost enough.

Just to do this, it takes guts.

After all, if not done properly.

Promising technology may face bankruptcy.

Therefore, Lao Xiao didn't dare to be bold. Everything has to be arranged by Chen Chuliang.

Chen Chuliang is bolder than Lao Xiao. asked Lao Xiao how much Alipay's precipitation funds are, he is already planning in detail how to apply Alipay precipitation funds, I heard that there are still twenty-one, not bad, plus this month and next month, it is no problem to make up seven or eight billion, thinking of this, Chen Chuliang has already made up his mind to move this money: "Lao Xiao, let me give you an example." Starting from next month, we will have a cumulative precipitation of 5 billion funds in Alipay... We don't have to pay the 5 billion to a third party at once. This is similar to the law of lending and depositing in banks. As long as we can meet the needs of users when withdrawing money, there will be no situation where they cannot withdraw money... We take the money deposited by depositors and lend money, and the users don't care. When it comes to finance, Lao Xiao, you are much more professional than me... There are many ways to do this, including insufficient funds to release water, etc... As long as we can timely arrive the money that users need to withdraw in time, our Alipay is no different from the bank...."

Lao Xiao is engaged in finance, and he immediately understood that BOSS is going to engage in the bank, but Alipay does have this ability. He added: "Theoretically, this method is possible. As long as we have a good balance, as long as we can ensure that there are funds for users to cash, we can slowly go down. Of course, we also have a big hidden danger, that is, to prevent a large-scale run on users... If once the user knows that we have misappropriated the precipitated funds in Alipay and caused panic, then such a huge financial run will not be able to withstand even the four major banks. ”

Chen Chuliang nodded and said, "So, as I said." We have to do it, but whenever Alipay customers need to withdraw cash, we must ensure that the money is transferred to the other party's account on time....When the funds are tight in the short term, we can take out short-term loans from the bank, and repay the loan with online games and other income... Compared with financing, I am more inclined to make a fuss about Alipay's precipitation funds..."

Lao Xiao's eyes lit up: "Wonderful, BOSS... If this is done, it will be no less than Youwei Technology opening a bank in Huaxia by itself. And this bank is relying on the Internet to exist virtually... As long as it is properly regulated, there is every chance that it will continue to operate. ”

Lao Xiao said brightly. He didn't expect that a small Alipay could be of such great use.

Chen Chuliang said with a smile: "Alipay is more useful. This is a super-financial aircraft carrier... With it, we will have more precipitated funds in the future, and we can use it to do more things, such as small loans, such as investing in industries with high returns in the short term... As long as you can let the precipitation in the Alipay account create the maximum value, this is the so-called making money with depositors' money... That's how money comes about. If we don't get a penny, we can make a lot of money. ”

Lao Xiao has another question to worry about: "BOSS, what if the central bank suddenly wants to control our precipitated funds?"

Chen Chuliang smiled, even in the previous life, the central bank took control of third-party payment software, and it would be more than ten years later... Now the precipitation of funds is a regulatory gap.

Therefore, Chen Chuliang is not afraid at all, and now he is also relieved to embezzle Alipay's precipitated funds. "When the central bank supervises us, our user base is already very large, and there is no shortage of this money misappropriation, and then, there are policies and countermeasures,....... and when the policies come out, we can be flexible again... Can you still let people lead you by the nose?"

Hearing Chen Chuliang say this, Lao Xiao also became bolder: "Then do it like this... If we can use Alipay's precipitated funds....then there is hope for us to acquire PayPal. ”

Chen Chuliang said: "It's not just hope... When we hold another promotion in Taobao Mall in November, are we still short of money?"

Seeing that the boss seemed to have dragged PayPal in his hand, Lao Xiao smiled and said: "BOSS, you have always been confident. ”

This is not that Chen Chuliang is confident, but he knows that the spring of the e-commerce website is coming soon. He didn't reveal much to Lao Xiao, just said: "Don't worry, the e-commerce site will definitely surprise us, you think, our Alipay can use the precipitated funds, the same way, PayPal is the same....so, that's why I bought PayPal... This is equivalent to that, at home and abroad, we have a financial aircraft carrier. ”

"BOSS, you still have a high vision and see far.. And if I have the courage and courage, I can't do it, and I don't dare to use this huge amount of precipitation funds. Lao Xiao Fangfo, who knew how to operate, saw the two financial aircraft carriers next to Youwei Technology to escort at any time. After thinking for a while, he said: "Now it seems that the outside world thinks that the BOSS is interested in the social iron triangle and online games, in fact, even if there is no popularity of online games without social software, in the future, with Alipay and PayPal alone, the Boss can make money while sitting..."

Chen Chuliang smiled: "Okay, Old Xiao, Elon Musk who contacted PayPal will be handed over to you." As long as the other party has a reply, call me to let me know. ”

Chen Chuliang stood up, Lao Xiao asked him to come to the company just to talk about this matter, and now that it is all settled, he also plans to go back.

Lao Xiao saw that the boss was leaving, so he didn't leave him anymore, and he would go down and arrange things personally. "I'll have someone from the Security Department send you back..."

Hearing Lao Xiao say that he would let the Security Department send him, Chen Chuliang thought of something, so he said: "Forget it, I just remembered that I had something to go to the Security Department, and I just went over directly." ”

The security department is downstairs, Chen Chuliang bought a villa for his mother and father in Mianshi, and after returning to Hanzhou, he sent them a very reliable security team, just enough to go to the security department to pick people, that is, after saying goodbye to Lao Xiao, he went to the security department downstairs.

Keep in mind that the first domain name :.com this book. The mobile version of the mobile version of the wonderful book house is :.com