In the case of Lin Qi taking the lead in donating, many executives of the New Entrepreneurship Department also did what they could and followed Lin Qi's example to make donations.

Of course, even the new entrepreneurship department has more than 50 billionaires and more than 3,000 multi-millionaires. However, compared with the boss Lin Qi, the wealth of these people is still not enough. So, that's tens of millions, millions, hundreds of thousands of donations. But all together, another 1.5 billion yuan of donations were made.

The number of donations from the remaining ordinary employees is relatively large, but the company asks ordinary employees to do what they can and do not exceed one month's salary. After all, donations are encouraged, but ordinary employees still have a family life. Besides, for Mr. Lin and those high-level executives who eat the company's growth and dividends, hundreds of millions, tens of millions, and millions of donations are just to buy fewer yachts, planes or luxury cars. Lin Qi also encourages ordinary people to manage their lives and families first, and then truly achieve a degree of financial freedom, which is the pursuit of social identity and spiritual things.

In essence, charity is definitely not a necessity, it is a luxury for those who do charity. For the beneficiaries, it is also the icing on the cake, and it is impossible to fully count on charity to change human life.

Don't you see, New York, Hong Kong, Tokyo, a bunch of unemployed and poor people, and the countless rich and philanthropists in these cities, they can't even change the unfairness, peace, poverty, and misfortune around them, how much positive energy can radiate to the world? Can one percent of the people benefit from the occasional conscience discovery of these rich people? There should not be so many, and the beneficiaries are negligible compared to the world's population, but they have become the archway for these people to flaunt their morality. No matter what countless bad things he has done, it seems that he can be whitewashed with a little sticking to the philanthropist.

For the impulse of charity for ordinary employees, Lin Qi launched an Internet donation, donating 1 yuan or 10 yuan by default, and if you want to donate more, you need more complex operations.

……

In late July, after Lin Qi returned to Hong Kong.

New Venture Electronics Group cooperated with its subsidiary, Hang Seng Bank, to establish a special subsidiary, "Hang Seng Internet Bank".

Hang Seng Internet Banking does not set up offline outlets, mainly online services, and users register Hang Seng e-wallet payment accounts with their real names.

In addition to the payment function, the e-wallet is also bundled with the money market fund "Yue Bao", and users can get interest every day, and the payment convenience is comparable to that of a demand deposit, and the interest is not less than a one-year fixed deposit.

Now the newly established "Hang Seng Internet Bank" is subordinate to the branch of Hang Seng Bank. However, this branch is relatively independent, and it has also specially sought some young people with strong business ability from the group to do Internet banking business.

In the internal competition, a young man named Lin Weizhong won the position of the new president.

After graduating from the University of Chinese and Hong Kong, Lam entered the banking industry in 1982 and joined HSBC Group, the parent company of Hang Seng Bank, in 1988.

After HSBC sold Hang Seng, some HSBC staff had to make a choice between staying at Hang Seng or going to HSBC.

Many people think that HSBC is still larger, and the new entrepreneurship department is not engaged in finance, so it may not be able to do a good job in Hang Seng Bank, so many HSBC executives have applied to resign from their positions in Hang Seng. This once made half of Hang Seng's management gone, and many of them were veteran bank executives with strong business capabilities.

But there are still some young people who feel they have a better chance of staying.

For example, Lin Weizhong went from a small branch president to a small branch of less than 1 billion yuan, because he has a strong ability to absorb deposits and loans recently, and has a certain ability to resolve non-performing loans, so he was promoted to become one of the vice presidents of Hang Seng.

Later, Lin Weizhong became very interested in the Internet during the Internet renovation project of Hang Seng Bank. Therefore, after the establishment of Hang Seng Internet Bank, he signed up to run for the head of this subsidiary.

"Mr. Lin, hello!" Lin Weizhong came to the New Venture Building for the first time and looked at Lin Qi stiffly.

"You may be seated. ”

Lin Qi received him in the office, making a pot of tea, and the two of them talked while drinking.

"This time, I will be in charge of the development of Internet banking from scratch, and if you are selected, what are your plans for the future? Lin Qi smiled and said.

"Boss, now the world's convenient banking operations are nothing more than ATMs, credit cards, etc., as far as credit cards are concerned, MasterCard and Visa have monopolized the credit card technical standards of mainstream countries in the world. However, the Chinese market is not open to MasterCard and Visa! I have studied the credit card model, in essence, this already has a certain Internet banking model, but it is very primitive and immature. Lin Weizhong said impassionedly, "As Mr. Lin mentioned before, you only need an account number and password on the Internet to carry out networked banking operations. Lending and repaying loans on the Internet, as well as carrying out some financial management operations, I personally feel that this model is more promising than MasterCard and Visa in the future. If we do a good job, in the future, all the banks in the world will learn from us, and if they don't learn from us, the vast majority of banks will be defeated by our advanced model of fair competition! For example, Mr. Lin, you proposed in the project that users who deposit into the Internet bank can be transferred to a Yu'e Bao account, which is linked to a money market fund. In this way, users can transfer into the balance, eat interest every day, and the financial operation is very recommended! What's more, it takes 1~3 days for ordinary money funds to redeem the cash in the account! However, due to the online shopping platform, the settlement cycle for merchants is far longer than 3 days, but more than 30 days. Therefore, users shop online and pay directly with the balance of Yue Bao, which makes the convenience of Yue Bao invincible...... The way in which users can eat interest on deposits is more in line with the savings habits of our Chinese society, and is more attractive than the credit card overdraft and repayment model in Western society. Of course, in the future, it is definitely necessary to introduce a credit card overdraft model, after all, the credit card model can make a lot of low profits. Boss, in the future, I think that after the online one reaches a certain scale, it can be done offline ......."

"Okay, you mentioned the advantages!" Lin Qi asked, "The remaining key question is how to solve the risk control problem of Internet banking? Although I do not have a deep understanding of banking business, the core competitiveness of a bank is not other things, but risk control." In the long run, a bank that can detect risks in advance and avoid risks can achieve better returns and survive! A bank with weak risk control ability, when a crisis breaks out, no matter how beautiful the model looks, it will become a dream bubble and be punctured!"

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