Early the next morning, Shen Lang handed over the hangover Xia Qing and Wang Yu to Li Cancan to take care of.

Shen Lang came to Tianxin Finance, and the number of employees of Tianxin Financial was several times more than at the beginning.

General Manager's Office.

Zhao Ruoxue heard the knock on the door and said, "Please come in." ”

After Shen Lang walked in, Zhao Ruoxue looked up and found that it was Shen Lang who was not angry and said, "When did you come back?"

"Today. ”

Zhao Ruoxue rolled her eyes at Shen Lang, if she believed Shen Lang, she would be really stupid.

Zhao Ruoxue motioned to Shen Lang to sit on the sofa and wait for him for a while, Shen Lang poured his own tea and waited for Zhao Ruoxue with tea.

Zhao Ruoxue got up from the desk after a few minutes, saw Shen Lang drinking tea leisurely, and handed Shen Lang a document.

Shen Lang took it and said, "What is this?"

"A detailed record of the $200 million you spent last time you injected in. ”

Shen Lang didn't even look at it, and returned it to Zhao Ruoxue: "The money is gone?"

"It's gone. Zhao Ruoxue shook her head.

Shen Lang couldn't help but sigh: "It's really too difficult to grab the mobile payment market now." ”

"Who told you to sharpen your head and rush to this market. ”

Zhao Ruoxue said with relief: "Now our results are already very good, in addition to Alipay and WeChat, we rank third in mobile payment in the market." ”

Shen Lang rolled his eyes: "I invested 300 million US dollars in it, if I can't see this result, I don't think you have to do it." ”

Zhao Ruoxue smiled and said: "Our later national division of 1.5 billion is still very effective, and now basically the monthly active users are at the level of 40 million." ”

"It's not a fraction of Alipay. Shen Lang shook his head and said.

Zhao Ruoxue rolled her eyes and said: "This is already very good, we have become the second only to Alipay and > among the third-party payment platforms."

Shen Lang didn't think so, how could he invest hundreds of millions of dollars to enter without any results?

Zhao Ruoxue got up and took a document from her desk and said, "You see, the mobile payment market in the third quarter of this year is about 30 trillion yuan. ”

Zhao Ruoxue pointed to the circular statistical chart and said: "Our market share in the third quarter has reached 2%! Aifubao has delivered 600 billion results in the third quarter!"

Shen Lang also knows that he can achieve this achievement, and Aifubao is already eye-catching enough.

Zhao Ruoxue glanced at Shen Lang: "Aifubao has secured the position of the third pole of the third-party payment market, what do you say about Aifubao?"

Shen Lang clapped his hands and encouraged: "Keep working hard, when you overturn Alipay and WeChat Pay, I will throw myself at you." ”

Zhao Ruoxue knew that Shen Lang was making fun of herself, but she still couldn't help but say: "How is it impossible, as long as we work hard, there is no hope of catching up with them." ”

Now Aifubao is at most a third pole, but it occupies the same proportion as Alipay and >

Alipay and WeChat have joined forces to occupy nearly 92% of the third-party payment market, and Aifubao really only occupies a fraction.

But compared to those third-party payment companies that are classified as "other" by statistical companies, Aifubao is already quite good.

Even Penguin and Ant Financial have begun to pay attention to the dazzling new star of Aifubao.

When it comes to third-party payment, it is natural to talk about consumption scenarios, including Ping An's One Wallet can only be used by purchasing insurance, even if it is connected to industries such as substitute driving, who will use One Wallet with WeChat and Alipay?

Fortunately, Aifubao relied on the large amount of money in the early stage to attract many users to register, and the daily carup of red envelopes made Aifubao's monthly active users have always been high.

The most important thing is the big name club, micro selection, Dragon Ball Live, Douyin live broadcast, as well as Star Interactive Entertainment, Youmi Pictures and other all-round payment support.

Aifubao was able to obtain a share of 600 billion yuan in the third quarter, and Shen Lang's resource tilt contributed to it.

Zhao Ruoxue hated and loved the money burning in the early stage, and gained a large number of users, which also made Aifubao destined to lose a very terrifying number this year.

"How much do I need to inject a billion dollars?"

Zhao Ruoxue smiled and said, "Is it US dollars?"

"Dollars, of course. ”

Zhao Ruoxue was stunned for a moment, and hurriedly said, "It's too much, right?"

That's a billion dollars, which is close to 7 billion when converted into RMB!

Shen Lang shook his head with a smile and said, "Not much, since you want to leverage the market of Alipay and WeChat, how can you not come to a big one?"

Shen Lang had seen his game quota before, and there were still one or two hundred billion left.

A fraction of a fraction is enough to turn the third-party payment market upside down!

Zhao Ruoxue couldn't help but tremble in her heart, even if she had not been able to handle more than one billion dollars in Feixiang Technology before.

The main thing is that Shen Lang's meaning is obvious, these billion dollars are going to be burned.

That's like a mountain of gold burning!

Zhao Ruoxue said: "I just wanted to buy a fund license before, and this time I just happened to have money. ”

"Fund license?"

"Yes, it is the same reason as the 19 pay we acquired before, which is the product of the skyrocketing value under the supervision of the state. ”

Shen Lang understood when he heard Zhao Ruoxue say this, and Zhao Ruoxue continued to explain.

"At present, there are almost 50 million to 80 million fund distribution licenses on the market. ”

Zhao Ruoxue continued: "To put it simply, our biggest advantage is that we can make money market funds after obtaining a fund sales license, for example, just look at Yu Bao. ”

"Isn't it cold?"

"What's cold, people are fine, it's just that it has been more strictly supervised recently. ”

Shen Lang pouted and said: "I know better, I dare to do so much without a license, I really have to admire the courage of Ahri and Ma Jun." ”

This is not Shen Lang's nonsense, of course, the most profitable thing for Alipay is to lose consumer finance, that is, the installment fees and interest of Huabei and borrowing.

Ant Financial's lenders are Shancheng Ant Shangcheng Microfinance Co., Ltd. and Shancheng Ant Microfinance Co., Ltd.

The local regulatory authorities in Shancheng have never approved microcredit companies to lend money nationwide.

But Ant Financial did just that, and it didn't do it on a big scale.

According to the information found by Shen Lang, the registered capital of Shancheng Ant Shangcheng Microfinance Co., Ltd. is only 1.8 billion, and the registered capital of Ant Microfinance Co., Ltd. is 2 billion.

In other words, even if you lend out all the money, you can only do a business of 3.8 billion.

According to Shancheng's regulations that the loan leverage can be appropriately enlarged to 2.3 times, Ant Financial can only do 8.74 billion business, but now the scale of Ant Financial's lending is close to 300 billion!

Shen Lang felt that if he didn't push Ant Financial, he would be sorry for himself, and the country might have turned a blind eye before.

As long as someone has a heart to poke out this matter, it will immediately trigger the strict attention of the state.

After Shen Lang finished talking to Zhao Ruoxue, Zhao Ruoxue was simply dumbfounded: "It's crazy, right? I can't believe that they dare to play so big without the national lending qualifications!"

"Profit is consumed, and now Ant Financial is in a dilemma, I think you should be able to grasp this opportunity. Shen Lang said with a smile.

Zhao Ruoxue continued: "Then it is necessary for us to immediately acquire a fund license, set up our own fund company, and then get a money market fund through Aifubao, and the profit in a year will be considerable." ”

Shen Lang agreed: "That's right, if Aifubao wants to develop and expand its scale, it is inevitable to set up its own capital company, including Penguin, which is also planning a fund license." ”

Zhao Ruoxue said a little anxiously when she heard this: "Then we have to act quickly, we love Fubao and lag behind Penguin's WeChat payment, if the fund license is lagging behind, there will be no chance of a turnaround." ”

"It will take some time for the penguin's license to be approved, and they plan to apply for wholesale directly. ”

"Apply directly?" Zhao Ruoxue was surprised: "Won't it be a few months late?"

"Penguins have that self-confidence, it's not bad for a few months, we can't do it, it's more expensive, it's more expensive, and we will earn it in the future." ”

A fund sales license, when it was easy to apply for in the past, hundreds of thousands of dollars were enough to win.

Now at least 50 million starts at the price, and 80 million people dare to buy it.

handed over the matter to Zhao Ruoxue, and Shen Lang leisurely went to other places of Tianxin Finance to take a look.

Zhao Ruoxue is busy contacting companies that hold fund distribution licenses, and this kind of transaction of course requires equity operation.

The company that Zhao Ruoxue contacted before that holds a fund distribution license is also waiting to see the market price.

After several negotiations, the purchase price was finally set at 70 million.

Zhao Ruoxue is not distressed, it is only 70 million, and it is quite easy to earn the 70 million in the future.

Tianxin Financial has also obtained another license, and the license to enter the fund sales market has been obtained.

。 Nine Heavenly God Emperors