"Little brother, where are you going to talk?" Wang Yueran obviously didn't take Xu Fang too seriously, and asked casually.

"Shirlan Hotel. Xu Fang responded.

"Hey, what a waste!" Wang Yueran was surprised.

"It should. Xu Fang smiled slightly, and didn't explain too much for the time being.

It's not too far from the Sheedland Hotel, and it's on the doorstep in twenty minutes.

"Boy, do you really want to invite me here?" Wang Yueran looked at Xu Fang with some suspicion.

"Hmm. Xu Fang nodded.

Wang Yueran didn't say much when she heard this, anyway, a meal for the two of them is not too expensive, but it is indeed a bit flashy to come to this kind of place. It should be difficult for the two of them to get to the private room, is it difficult to talk about this kind of big thing in the hall?

"Mr. Xu is good!" As soon as he arrived at the door, the greeter at the door immediately nodded and said hello.

"Clean up the private room, I'm going to meet a distinguished guest and have the chef serve some specials. Xu Fang commanded lightly.

"Okay. When a waiter heard this, he immediately ran to get busy.

"Are you?" Wang Yueran was a little surprised at the moment, these waiters seemed to call this kid Mr. Xu?

"I am a shareholder of Shirley Hotel. Xu Fang smiled slightly.

"You?" Wang Yueran exclaimed, with some disbelief in her eyes. She has heard of the Xiulan Hotel, and there are many related reports these days, saying that the valuation of the Xiulan Hotel has reached billions. If Xu Fang is really a shareholder, then there may be real hope for his cooperation this time!

put away the previous contempt, and Wang Yueran also politely followed.

When I arrived at the private room, the waiter quickly served drinks and fruits.

Xu Fang poured Wang Yueran a glass of juice and asked gently, "Sister Yueran, let's talk about business first." I heard you doing a trading platform before, I wonder if you can tell me about it?"

"Have you ever heard of the Supporting Treasure?" asked Wang Yueran.

"Of course. Xu Fang nodded.

"I'm working on this thing right now, and I'm pretty much done now. For example, the cooperation with major banks has been fully opened. When users use our products, they can transfer and withdraw money like Baobao, and even we have the function of Yue Bao. Now the interest rate of the support treasure is a little higher than that of the bank, and the proportion we set in the early stage is also a little higher than that of the Yu Bao. Wang Yueran introduced the functions of his product.

Xu Fang's heart moved slightly after hearing this, what Wang Yueran said was indeed in line with his function.

After thinking about it, he said, "Then what difficulties do you feel about development now?"

"There are actually a lot of difficulties in the development, now everyone shopping, transferring, the largest third-party payment platform is the support of Baobao, because of their large size, good reputation, comprehensive functions, users have no reason to give up this payment software, which also makes it difficult for other emerging platforms to get up. It's like buttoning, others are used to using this chat software, and it's difficult to popularize chat software launched outside of Penguin. Wang Yueran sighed.

"How can it be solved?" asked Xu Fang.

"There are two ways, the first way is to use money to attract users, such as the interest in Yue Bao, which we give is higher, so that some users will put money into our products. After the money enters us, we can operate these funds to get more benefits, which is also the development model of the current support treasure. However, there is a drawback to this, if the speed of early promotion is very slow, and the funds hoarded by users are not much, it is difficult for us to use the money to make investments, but the interest of users must also be paid, so we must be prepared for capital investment in the early stage. ”

"The second method, in fact, has a certain connection with the first one, that is, we can find a very good promotion channel. For example, some online shopping platforms, if customers shop on their platform, they can use our payment software to pay, and we will set the interest in Yue Bao higher, and users will also use our products. ”

Listening to Wang Yueran's chat, Xu Fang asked: "Others have thought about these two methods, right? ”

Wang Yueran's eyes were a little gloomy, and he nodded helplessly: "You are right, it is true, it is very difficult to do anything, the first one needs to burn money for a long time, and the second is very difficult to contact a reliable shopping platform, they themselves want to do their own payment system, and it is difficult to accept an external payment system." ”

"If someone else deposits money into our payment platform, how can we operate with the money?" Xu Fang asked with interest.

"It mainly buys some short-term monetary instruments for insurance, such as treasury bonds, commercial papers, bank certificates of deposit, government short-term bonds, etc. Even banks will borrow money from each other, and some banks will borrow money from other banks or financial institutions when they encounter a shortage of funds, such as a large loan, to ensure the normal operation of the bank. Because the amount of the transaction is relatively large, the interest in the middle is higher than the ordinary, if these can be operated, we have to earn. ”

After a pause, Wang Yueran continued: "If the company can operate normally, we can do some long-term business, such as lending to foreign countries, investing in real estate, etc. ”

Xu Fang nodded slightly, this development system is indeed outstanding, and it is worthy of the elite who came out of the treasure network.

It's just that the early development is very difficult, but fortunately, Xu Fang's main mind is not on the payment platform.

Just as Xu Fang was thinking about it, Wang Yueran also said: "Mr. Xu, I have said everything that should be said, you can consider whether to cooperate recently." ”

"I'm still more interested, how much money have you invested in this platform?" Xu Fang asked.

"I did it for two years, and it cost a total of three million in labor, technology, and business costs. However, there is still a lot of invisible wealth in the middle, such as cooperation with bank access, these are still when I dig treasure online class, through the accumulation of contacts, credibility to get it, it is difficult for others to do, and now others access, the handling fee is also quite high, my treatment here is similar to the support treasure, so my platform is very high-quality, although there is no development now, but the valuation I give is 10 million. If Mr. Xu wants to operate the investment, he will have to add additional funds for operation in the future. Wang Yueran analyzed.

"Do you think anyone will invest in your software?" Xu Fang asked rhetorically.

"I will definitely have it!" was asked by Xu Fang for a moment, and Wang Yueran's eyes were a little angry. Xu Fang's question, in her opinion, obviously had a sense of teasing.

Xu Fang shook his head lightly and sighed: "Although the prospects are very good, it is really difficult for this kind of software to occupy the market, and you must find a very powerful company to back it up in order to make customers feel reliable." If no one uses it, you can't trust anyone. Sister Yueran, you were working at Dibao.com, you should be waiting for someone to invest before you leave, right?"

Wang Yueran was speechless for a while, Xu Fang was indeed right, she had built her payment platform, and when she was looking for investors, she was discovered by the company, and she also lost a high-paying job.

Sighing, Wang Yueran also had a little temper, got up and said, "If Mr. Xu has no intention, then I won't delay your time." ”

"Wait!" Seeing that Wang Yueran was leaving, Xu Fang stopped her.

Take a closer look at this woman, wearing a professional outfit to show the outline of the turbulent dumplings vividly, although not very beautiful, but the eyes are very firm, there is a different look from others, very temperamental.

After thinking about it, Xu Fang said: "There are two ways to cooperate on my side, you can choose one." ”

"You say. Seeing that Xu Fang had the intention of cooperating, Wang Yueran was overjoyed.

"The first model, I buy your company for five million. ”

Hearing this, Wang Yueran was also a little moved, if she sold it like this, she would make twice as much money. But then again, she may not be able to see this money, gritted her teeth, Wang Yueran said: "What about the second one?"

"You have a stake in technology and operations, accounting for 20% of 25 shares, and I have a stake in operations and funds, accounting for 80% of 25 shares. Xu Fang threw out his own conditions.

This proposal was indeed very attractive to Wang Yueran, her eyes lit up, she looked at Xu Fang and asked, "How much is Mr. Xu going to invest?"

"Pure burning of money does not make the company up, it requires capital and operation to go hand in hand, in order to get things done quickly and effectively. Our first thing now is not to rush to make money, but to develop users. The more people who use it, the more you can gather a lot of wealth, and only then will you have the capital to operate these funds. Am I right?" asked Xu Fang.

"That's right, it's very reasonable, I don't know what Xu Fang plans to do?" Wang Yueran asked.

"In the early stage, we will develop users, and I will build a shopping platform, on which I can only use our payment products. Xu Fang analyzed.

"Build a shopping platform?" Wang Yueran looked at Xu Fang, and there was some doubt in his eyes: "Mr. Xu, with all due respect, it is more difficult to make a shopping platform now, why do you come to your platform to buy things?

"Now there is a platform of support treasure on it, what do you create a payment platform to compete with support treasure?" Xu Fang asked rhetorically.

"I" Wang Yueran was obviously very smart, and immediately reacted after a short stunned: "My platform is indeed difficult to develop, but if there is another platform that is difficult to develop, and two load-bearing platforms cooperate with each other, isn't this pulling each other back?"

Xu Fang shook his head and said with a smile: "Sister Yueran, do you think I'm a fool?"

"I used to think you were very smart to be able to run the Xiulan Hotel to this extent, but now you may be a little stupid!" Wang Yueran said very politely.

"I have to build this shopping platform, and I have the confidence to build it. Xu Fang retorted.

"There is no point in arguing like this, Mr. Xu, as long as you can give me a reasonable explanation, I will immediately agree to cooperate!" Wang Yueran looked at Xu Fang with wide eyes, his eyes full of suspicion about him!