"I have so many advantages, the possibility of Tencent turning over is too low, there is no need to be nervous. Hang Yu felt that the water was almost cold, so he got up and wiped it clean, and went out in his home clothes.

After taking two steps, Hang Yu came back to turn on the washing machine and washed the clothes himself.

After he entered the room, Xue Qing went into the bathroom and wanted to wash his clothes, but saw that the washing machine had been turned on. "Mr. Hang is really diligent. "How did Xue Qing know that Hang Yu was cleaning the evidence, and he had a good impression of his behavior of washing clothes casually.

Before working as a nanny for Hang Yu and his wife, Xue Qing also worked for another family, which was also in business and relatively wealthy. But compared to Hang Yu's wealth, it is simply heaven and earth.

But it is a million-level merchant family, the family is not a good product, and his wife instructed her to do this and that, the toilet should be wiped cleaner than a five-star hotel, but the monthly salary is only more than 4,000.

Her husband is squinting, and he wants to scare her at every opportunity, and her son is not a good character. is only fourteen years old, still in junior high school, smoking, fighting, playing games all day long***, and even has that kind of mind for her.

After only three months of work, Xue Qi couldn't stand the family and left without pay.

After coming to Hang Yu's house, not only did the monthly salary reach more than 10,000 yuan, but the two couples had no harsh requirements for her. Doing small things like washing clothes and dishes, sometimes Hang Yu and the others will do it themselves.

Although Xue Qi has never said anything, she likes this family very much in her heart.

After Hang Yu returned to the room, he turned on the computer and logged in to Weibo to send a voice chat to Xie Pinggang. Chatting with Weibo is not to save money, but because Weibo belongs to the company's own managed software, which is safer and more convenient.

Because the subsidiary regularly reports their situation every week, Hang Yu knows the development of Xiao Jixiang very well. As soon as he came up, he went straight to the topic: "Although the development of micropayment is very good, in the general direction, I think it is necessary to specify the rules. ”

"The detailed rules, listen to you. Xie Pinggang said.

"First of all, it can be clear that as an online financial system, micropayment is very profitable. It's very profitable now, and even if we put a little effort into it, we can make more money, and you and I understand that. Hang Yu said.

"That's right, during this time we are working on a new profit model, and the current profit method is too simple. We believe that it is possible to launch loans and charge service fees to increase profits. Xie Pinggang said.

At present, there is only one way to make a profit from the small auspicious fund, which is to try to attract funds, mainly through Weibo, games, e-commerce platforms, insurance, securities and other means. Then use the funds to invest, and the investment methods have been introduced before, which are relatively stable and the profits are relatively thin.

It's just that the financing ability of micropayment is too strong, even if the profit is very thin, but with the huge volume, the total profit is still an astronomical amount. However, with the increasing market share of micropayment, it now has 77%, which occupies an absolute advantage.

Xie Pinggang and others are naturally unwilling to rely on another way to earn, because as long as he slightly modifies a certain point of the rules of micropayment, he can make money every day. Of course, it is not an easy thing to revise the rules, and the senior management of the small auspicious fund is taking the postgraduate examination.

"We specifically learned from technology companies that the big data analysis capabilities on their side are strong enough, and we can analyze the user's personal income, repayment ability, and limit. With the support of big data, we can lower the loan interest rate, and at the same time ensure high profits, which has an absolute advantage in the current loan market. Xie Pinggang said.

"You didn't remind me that I almost forgot that the installment payment business on e-commerce platforms has been very popular recently, but due to the lack of data support, it is inevitable that some payments will be difficult to collect. Now that technology companies have this capability, let them prioritize providing technical support to e-commerce platforms. As for the fund company, don't open the loan service for the time being, I need to look into it. Hang Yu said.

"Uh... All right. Xie Pinggang didn't expect that the method he came up with would become an e-commerce platform.

"There is no need to think about charging service fees, the reason why we can win the hearts of the people is because of all kinds of free fees. Once charged, there will be new payment software to replace us, not to mention, Alipay is eyeing up. Hang Yu said.

"We are also more worried about this, so we do not plan to charge a service fee for the time being. Xie Pinggang said.

"Actually, I contacted you today just to tell you about my general positioning of micropayment. The financial system is a good thing, not only to make money, but most importantly to provide a certain amount of financial security for our entire group. Hang Yu said.

Jiang Yan's company is very profitable, but also very short of money, and relied on borrowing money and loans to survive several difficulties in the early stage. After the rapid rise of micropayment, Hang Yu boldly embezzled funds from micropayment and solved a lot of financial troubles for the company.

Nowadays, the funds of micropayment are huge, which is an important guarantee for Jiangyan Group.

"If technology is the arm of an enterprise, then finance is the blood circulation system, such an important system, we should not treat micropayment as a profit tool, but as a body. It doesn't matter if you make less, as long as Xiao Jixiang doesn't become the burden of the group, even if you don't earn a dime, the most important thing is to be stable and healthy. Hang Yu said.

This is what he just thought of in the bathroom, although he also knew that micropayments were important, but he did not have such a clear future plan. Now that it is clear, Hang Yu suddenly has greater confidence in the future development of micropayment.

What are you most afraid of doing business? What are you most afraid of being consumed by the desire for profit and doing short-sighted things.

Hang Yu has the determination to do a good job even if he doesn't make money, and if the micropayment is not good, it will be strange.

"What you say makes a lot of sense, but to be honest, the high-ups of Xiao Jixiang may not be so easy to accept. At the touch of a finger, countless money falls, and this kind of thing is not something that anyone can control. Xie Pinggang was silent for a while before he said.

Hearing Xie Pinggang's words, Hang Yu not only did not get angry, but felt very relieved.

Xie Pinggang was able to tell him the truth, which showed that even if he did not agree, he was already considering Hang Yu's opinion. I am most afraid that Xie Pinggang will get into the eyes of money, or Yin and Yang will go against it, and what Hang Yu said is equivalent to saying it in vain.

"If you can't control yourself, you will set up a special monitoring department to try to ensure that the small auspicious fund company is in the healthiest state. What I want is a financial system that is not aimed at short-term profits, but for long-term growth. Hang Yu said.

"I see what you mean, or a meeting tomorrow. Xie Pinggang feels that it is not appropriate to contact such an important matter with Weibo.

"Yes, tonight you write a report on my proposal, and tomorrow morning I will go over to the meeting at half past ten. Before the meeting, you have to hand me the report, even if it's in the middle of the night. Hang Yu said.

"Okay. Xie Pinggang replied.

After ending the call, Hang Yu contacted Fu Lei again: "Manager Fu, I heard that you have the ability to analyze the income and repayment ability of all users. I recommend using it on e-commerce platforms to support their installment business. ”

Fu Lei said: "No problem. ”