Li Zhengyi frankly admitted: "You have a point, the uncertainty of the first two items is indeed too great, but because of this, the future benefits can also be maximized." ”

Zhuang Yongsheng said: "I found that many times, you are very heavy on gambling. ”

Li Zhengyi smiled and said: "I don't disagree with my uncle's statement, but you must know that in fact, life is a gamble, at every crossroads, life is faced with a variety of choices, and every choice is a gamble that cannot be turned back." ”

Life is gambling.

If you choose the wrong one, you will never recover from stepping into the abyss.

If you choose the right one, you will be able to use it for the rest of your life.

More of them, go with the flow and be mediocre.

And Li Zhengyi's life is a gambling with the nature of a thousand people, although his memory is vague and he can't be used endlessly, but at least it won't be lost.

Zhuang Yongsheng was completely silent on the other end of the phone, so silent that Li Zhengyi almost thought that the other party had hung up the phone, and the old man Zhuang's voice came in a deep voice: "I know, I will try my best to consider your suggestion, let's do this today, I will talk about it when I have time, help me tell Qiu'er, Dad misses her." ”

……

Next.

Monday.

This is the first Monday of the new year, and according to the rules of Lee Zhengyi's company, the core group meeting must be held as scheduled.

Prior to this, on the last Monday of the past year, the three companies held a year-end work summary internally, and made a comprehensive summary report on the company's business work and performance data, but it was not immediately presented to Li Zhengyi at that time.

Today is the day for all companies to submit their annual work summary and work plan for the coming year.

Li Zhengyi sat in his office, flipping through the summary reports submitted by each company.

After a rough flip, Li Zhengyi had a preliminary framework in mind.

Generally speaking, in the past year, the basic core data of each company and each business unit has increased to varying degrees, and the growth curve has a certain regularity, following the upward curve of first slowing down and then sharpening.

As far as Taobao and Alipay are concerned, user data is the basic core, and the growth rate of Alipay's user data is much faster than that of Taobao.

At present, the number of registered users on Taobao has exceeded 15 million, and the user conversion rate is 86.6%, which means that among the registered users of Taobao, there are more than 12 million active users who actually trade.

As for Alipay, its effect is even more obvious, its user data has exceeded 65 million, and the main user sources are Taobao, legendary game users, Miracle game users, Fantasy Westward Journey game users and other non-transaction website channels.

Among them, Taobao contributed more than 25% of the number of registered users, Legend and Miracle contributed more than 70% of registered users, and the remaining part is Fantasy Westward Journey and other channels.

The existing Alipay registered users are high-quality users, with very high user activity, and the conversion rate of actual payment users is as high as 94.7%, in other words, among all Alipay registered users, there are more than 6,000 actual payment users.

Of course, compared with the future volume of Alipay, more than 60 million actual payment users is not such a terrifying number, but at the end of 2002, this number made all Internet practitioners collectively lose their voices.

Because of the continuous growth of actual payment users, Alipay's cash pool in CCB has become larger and larger, and the total amount of liquid cash pool has reached nearly 3 billion.

What can 30 billion do?

From an economic point of view, the current interest of 3 billion yuan is about 10 million a year.

In the early days of poor banking supervision, the profits generated by this third-party payment cash pool basically belonged entirely to the third-party payment institution.

In addition, precisely because of poor bank supervision, the cash pool belongs to the gray area of financial supervision, so the real flow of these 3 billion funds can be decided by Alipay.

Financial management, investment or other forms of capital operation are now feasible, and the huge profits generated during the period also belong to Alipay, so from these aspects, the profits generated by Alipay are actually not lower than the income of the current Zhengtu Technology Agency Miracle.

In terms of impact, 3 billion funds were deposited in China Construction Bank, which directly promoted Fei Changsheng, the former president of Xiangning Branch of China Construction Bank, to vice president of Jiangnan Branch.

Like Fei Changsheng, there is also Xu Youcai, who once helped Li Zhengyi, the former president of the Qingyun District Construction Bank branch, who achieved a triple jump in one year, and directly stepped from the branch president to the branch president, and took over Fei Changsheng's position.

This data of Alipay was submitted by Zhuang Xiangqiu personally, and Li Zheng was shocked, and until now, he finally felt the helplessness of the old horse in his previous life from the data level.

Now the precipitation of 3 billion funds has begun to exert great power, and Alipay's precipitation funds of tens of billions in the previous life will be such a huge wealth.

Li Zhengyi believes that the future of Alipay must be unswervingly towards nationalization, which is not the original intention, but better than the original intention.

Closing the folder, before the caucus meeting, Li Zhengyi called Zhuang Xiangqiu over.

"Call me something?" Zhuang Xiangqiu came to Li Zhengyi's office and asked bluntly.

Li Zheng nodded and said, "There is something to do, let's sit down first." ”

Zhuang Xiangqiu sat on the sofa in the office according to his words, and Li Zhengyi took the folder she presented, left the desk and chair, and sat with Zhuang Xiangqiu.

Li Zhengyi said: "I read the business data of Alipay that you submitted, I want to ask, what do you think?"

Zhuang Xiangqiu said: "To be honest, just four words, unexpected. ”

Li Zheng nodded and said: "Yes, it is indeed unexpected, my expectations for Alipay are already very high, but the development of Alipay is still beyond my imagination." This data will not be made public for the time being at the Caucus meeting. ”

"Okay. ”

"There's one more thing. ”

"You say. ”

Li Zhengyi opened the document, pointed to the precipitated funds and said: "This piece is currently a blind spot in financial supervision, strictly speaking, it is a gray area with very large profit margins, and it can be used for the time being." Now the person in charge of Alipay's financial division seems to be not suitable for controlling the increasingly large flow of funds, and I hope that in the first half of this year, we can introduce a fund operation talent to maximize the benefits of this area. ”

Zhuang Xiangqiu asked rhetorically: "I remember hearing you say before, Alipay is easy to attract the attention of the authorities because of the precipitation of funds, although the current funds are unregulated, if they intervene in the operation, will they leave a bad handle for the future." ”

"Probably not. ”

Li Zhengyi thought about the time when Lao Ma forcibly stripped Alipay in his previous life, which should be about 10 years, and he didn't remember it very clearly.