"Oh, Mr. Bai's opinions have always been unique, why not say it so that I can also have a long insight, to be honest, I am still full of hope for this year!"

After a long time, Ma Yun calmed down from the shock just now and said to Bai Ningyuan. Pen % fun % Pavilion www.biquge.info

Seriously, Ma Yun himself is not unintelligent, but even those on Wall Street have not noticed the impact of the subprime mortgage crisis, and are still in a prosperous era of singing and dancing, happily waiting for the American economy to hit the high point again, not to mention people like Ma Yun who are far from the center of the global economy.

No matter how smart they are, they may not see it better than the large number of economic giants on the American side.

Even if Bai Ningyuan, if he didn't know this history, I am afraid he would be inspired by the soaring scene shown last year.

But since Ma Yun asked like this, he didn't mind revealing a little, anyway, there was no interest in it, so after thinking about it, he said directly to Ma Yun: "I don't know if Mr. Ma has heard the rumors about the real estate bubble in the United States recently?"

"I've heard a little bit of news about this, but does it have anything to do with us? Besides, with the current level of the economy in the United States, this little bubble is nothing!" Ma Yun's face was a little puzzled.

You know, now the entire Wall Street also has an optimistic estimate of the current real estate bubble, so Ma Yun didn't take it to heart, and it is not an incomprehensible thing.

"No, I don't think it's that rosy, you know, from 04 to June last year, in just two years, the Fed has raised interest rates 17 times in a row, which is a rather dangerous signal, and the credit rate has been raised from 1% to 5.25%. Such a sharp increase directly increases the burden of mortgage repayment on home buyers. Moreover, it seems that since the previous year, the housing market in the United States has begun to cool down significantly, with the decline in housing prices, it is difficult for buyers to sell their houses or obtain financing through mortgages, and the increase in repayment pressure has made many users with bad credit have the possibility of a high degree of default, which will affect the recovery of bank loans...... Bai Ningyuan explained to Ma Yun.

Ma Yun frowned, and after thinking seriously for a moment, he continued to say to Bai Ningyuan: "What you said, although it is not ruled out that it may indeed happen, but after all, there is still a house, in my opinion, even if this situation really occurs, the only ones who will be affected are those users with bad credit, although the impact will be there, but the audience will not be too large......

"no!no!no!" As soon as Ma Yun finished speaking, Bai Ningyuan shook his head and denied Ma Yun's point of view, the current Ma Yun still believes a little too much in the resilience of the American economy to risks, so he continued: " You must know that when the borrower is unable to repay the loan, although the bank can repossess the house, and then use the auction or sale to recover the loan, but the current situation is that now due to the sharp contraction of the real estate market, the house price has fallen sharply, even if the bank sells the house at this time, the funds obtained cannot make up for the loan + interest at that time, and even cannot make up for the loan amount itself, so the bank will lose money on this loan. It's fine for one or two borrowers to have such a problem, but due to the rising interest on installments and the fact that these borrowers themselves are subprime lenders, this has led to a large number of borrowers who are unable to repay their loans. As mentioned above, it is no wonder that the bank repossesses the house, but it cannot sell it at a high price, and it loses a large area, so it does not cause a crisis!"

Hearing Bai Ningyuan's words, Ma Yun suddenly fell silent, if it was really like what Bai Ningyuan said, then he could completely imagine the consequences, this was definitely a disaster.

The economy of the United States is the center of gravity of the global economy, and it has always been the barometer of the world economy.

At that time, inflation will occur in the United States, and the depreciation of the US dollar will be inevitable, which will inevitably lead to the rapid appreciation of the RMB, which can almost be said to be a catastrophe for China's import and export trade.

In the "troika" that drives China's economic growth, exports can be said to occupy a very important position. From the point of view of the total economy, the proportion of exports in GDP continues to rise, 06 years more than 1/3, 07 years although the growth rate has declined, still increased by 25.7%, but because of the economic crisis, the depreciation of the dollar, will directly lead to the increase in the price of Chinese export products, the competitiveness of decline, more importantly, because of the continuous change of the exchange rate, so that domestic export enterprises in the face of large orders but dare not receive, in this way, domestic export enterprises, will face great difficulties.

Fortunately, for Bai Ningyuan and Ma Yun, at present, their various industries do not have much communication with the impact of the economic crisis, so the economic crisis will not have much impact on them, and even because the country continues to stimulate domestic demand and digest inflation, e-commerce will usher in a new development opportunity, which is a golden opportunity for Ma Yun's Taobao.

Similarly, as one of Alibaba's major shareholders, the rapid development of Taobao is not a good thing for him, the smoother the development, the more valuable the shares in his hands are, and whether it is sold or held for a long time, it is a fairly cost-effective deal.

After a while, Ma Yun's face reappeared with a smile: "Listening to Mr. Bai's words, I really have an understanding, I have to say, Mr. Bai has been able to come to this day, and his vision is really within the reach of people!"

Although there were a lot of praises and praises in his words, Bai Ningyuan could still feel it from Ma Yun's gaze and his smile, even if Ma Yun recognized his idea, he was still cautious about the economic crisis.

The corners of Bai Ningyuan's mouth turned up slightly, revealing a faint smile, then looked at Ma Yun and said with a smile: "What, Mr. Ma doesn't believe it?

At this time, Bai Ningyuan, in Ma Yun's eyes, was like a hairy boy with a white face who was a little anxious because he was not recognized, but also, he Bai Ningyuan was only in his early twenties now, and there was nothing wrong with being young and vigorous.

So Ma Yun couldn't help but be interested: "Okay, bet on it, but I don't know, Mr. Bai, what do you want to do?"

Hearing this, Bai Ningyuan was slightly stunned at first, as if he didn't expect Ma Yun to pick up his words like this, but his eyes rolled, and then a sly smile appeared on his face: "Mr. Ma, I'm working on a Lepay system now, if I win, how about you help me promote it?" If I lose, then the conditions will be up to Mr. Ma!"

Although Bai Ning was far from thinking about this problem before, it was just in his opinion that Alipay was something that Ma Yun had worked hard to make big, how could he introduce another third-party payment platform to get a share of his own users, which was simply self-destructing the Great Wall.

However, now, taking advantage of this opportunity, Bai Ningyuan used a joking tone to test Ma Yun's tone, even if it was rejected, there would be no loss, right?

Hearing Bai Ningyuan's words, Ma Yun paused slightly as he was eating, and then raised his head, his eyes were firmly fixed on Bai Ningyuan's body, with a somewhat meaningful look, and after a long time, he smiled faintly: "Mr. Bai really has a heart!"

"Hehe, isn't this also to promote my own things, so that Mr. Ma can make you laugh!" Hearing Ma Yun's words, Bai Ningyuan laughed, and then stopped continuing on this topic.

Both of them are understanding people, and there are some things that don't need to be said too thoroughly.

Although there was a little disappointment in his heart, but before, Bai Ningyuan didn't have much expectations in the end, he just mentioned it casually, since it is impossible to take the road of Taobao, and the direction that has been discussed before.

So the two of them tacitly agreed that no one mentioned this again, and as for the so-called gambling contract, it became just a joke, and they chatted while eating about the economic crisis.

Just after lunch, Bai Ningyuan and Ma Yun walked outside together, ready to go back to the room to rest, but just after walking a few steps, they saw Ji Zhengzhen walking towards him.

"It's Mr. Ji!" "For Ji Zhengzhen, who became famous in the second half of last year, with the listing of lophone, Ma Yun naturally will not be unfamiliar, not to mention, last year's forum, Ji Zhengzhen made a speech on behalf of Letong, which caused a full boo at the time, that scene for Ma Yun, but the memory is still fresh, but who would have thought, but in more than half a year, Letong used his own practical actions to slap those who booed others at the beginning.

"Hello Mr. Ma!" After seeing Ma Yun stretching out his hand towards him, Ji Zhengzhen hurriedly took a few steps forward and held Ma Yun's hand with a bright smile on his face.

However, Ma Yun is also very clear about the relationship between Bai Ningyuan and Ji Zhengzhen, since Ji Zhengzhen appeared here, he thought that there was something to communicate with Bai Ningyuan, he naturally had no intention of snooping on the secrets of other people's companies, and after greeting him, he said with a smile: "Okay, you talk, I'll go back first!"

After speaking, he waved his hand towards Bai Ningyuan and took the lead in leaving under the gaze of the two.

waited until Ma Yun's figure disappeared not far away, Bai Ningyuan turned around and looked at Ji Zhengzhen: "What's wrong?"

Feeling Bai Ningyuan's gaze, Ji Zhengzhen had a somewhat serious look on his face: "The negotiation with Lian Falke collapsed ......"

Today's first update!

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