"It turned out that you said that you wanted to make a money market fund, but I didn't think that it would be done at all." Fang Tianhe said.

"Actually, it's nothing, it's just a way to raise funds." Huang Wenbin said, "Now it is only 2.8 billion yuan raised, and according to 1%, it is only more than 20 million yuan a year." "If you are Yu'e Bao, you have hundreds of billions of balances, and you can earn billions a year...... It doesn't sound like a lot, but you don't have to do it for nothing, and you can borrow money from yourself through various means, and the financing cost is very low - the company that sells the fund is its own, the foundation is its own, and it is of course easy to lend money to yourself, and you must know that one of the businesses of the money market fund is corporate bonds. You said that if you give a reputable company like Wheat Mobile or Shengong Group, it must be fine, right?

"More than 20 million is already a lot of money, and the number is rising." Fang Tianhe said, "This is a new way of financing. ”

"If it can reach tens of billions, it is called a new way of financing, and such billions can be counted." Huang Wenbin said.

"If it really reaches tens of billions, then there will be a reshuffle, and the problem will be even greater." Fang Tianhe said, "It's better to do it slowly from such a small scale." ”

Yes, if it is applied on a large scale, it will form a reshuffle in the fund market, and even have an impact on bank deposits. Of course, the money of the money market fund is still in the bank, and the impact is not very large, but there will always be a little. Banks will have deposit checks, and at some point the CBRC will have to check their deposits and determine the loan-to-deposit ratio before approving a new loan amount. If you don't have enough money, you won't be able to get a loan. So at these points, banks are willing to pay high interest rates to attract deposits, and of course banks only need a few days.

For money market funds, this is also an opportunity to make money. However, the money that banks used to be able to use for free is now asking for a high price, of course, it is very unpleasant, increasing the cost of use, reducing profits, and banks, especially big banks, will definitely hate it. Behind Yu'e Bao is Alipay, behind Alipay is Alibaba, Alibaba has a strong background, which can survive. That is, Yu Bao is charging in front, and the bank is helpless against it, and other treasures have room to grow.

Although Huang Wenbin is good friends with the Hai family, he is still far from Alibaba, and if he rashly gets involved in the fund market, he may be slapped down. So Huang Wenbin thought about it, and even bought the whole fund, but he still couldn't make up his mind. After Meng Jianghu unexpectedly became popular, he suddenly had an idea and thought of such a method. Meng Jianghu is indeed very popular, but after all, it is just a mobile game, with thirty or forty million users, most of whom are fashionable after watching advertisements, a little more than 20 million active users, and less than 10 million paying users, most of which are recharged at the beginning.

Such conditions can form a scale, but the scale will not be very large, it can cause controversy, and some people will covet it, but it has not really moved other people's cakes, and Huang Wenbin's background can be protected. When everyone else gets used to its existence, this small seedling can grow slowly, and then become a towering tree, making money for Huang Wenbin. Of course, no matter how long it is, it will not exceed Yu Bao, after all, Yu Bao's innate conditions are too good.

"You're right." Mr. Huang said he was still in a hurry.

"What's next?" Fang Tianhe asked.

"There's no hurry." Huang Wenbin said, "Let customers and the market get used to it for a while, and then promote it across the board in our games. ”

"If you promote, is it universal?" Fang Tianhe asked, "Some games have very convenient monetization channels, and it will be very troublesome if the account password is leaked." ”

"Come one by one, safety matters." Huang Wenbin said.

"If you want to promote, how will the income be calculated?" Pu Xie interjected and asked, "How much is ours?" ”

"In which game you enter, you will give interest to the gold ingots of which game, even if it is the performance of which project team." Huang Wenbin said, "What are you anxious about, you are responsible for all the game projects, no matter which game you enter, it will be regarded as your credit." ”

"This ......" said so, Kepu dismissed the head of the game department, and there is also an identity as the director of the Meng Jianghu system, and you can also buy funds when you open other games, which will definitely affect the income of the Meng Jianghu, "Boss, the sale of funds here in the Meng Jianghu has not peaked, so it's better to wait for the sale of the Meng Jianghu side to be almost done, and then open other games." It's better to have a little more time to do the test so that nothing goes wrong. ”

"You kid." Of course, Huang Wenbin knew what Pu Xie was thinking, "Meng Jianghu has made so much money, and the 150 million can be easily repaid, what is the hurry." ”

"I'm also thinking about making as much money as possible for my boss." The general explanation argued.

"Alright." Huang Wenbin said, "The test will definitely be tested, but the opening will also be open, Meng Jianghu has taken the lead, as long as you do it well, make more attractive elements, attract more players, and let players spend more money, you will be able to pay off the arrears smoothly, don't think about other useless things." Whoever stops me from making money, I will never be polite, I don't need to teach you this truth, right? ”

"Yes, yes." Pu Xie trembled with fright, "I was wrong." ”

It's so pitiful, Huang Wenbin thought about the game that this guy made was really good, if he hadn't been working day and night, Meng Jianghu would not have been so popular, so he slapped a sweet date, "You don't have to worry, although the foundation will be open to various games in the future, but Meng Jianghu will have a big advantage, I have negotiated with the General Administration of Sports, you can use gold ingots to buy sports lottery tickets in Meng Jianghu." ”

"Sports lottery?" I was stunned, this is a big business.

"yes." Huang Wenbin said that when the fund was not launched, Pujie still thought that Huang Wenbin was going to build a gambling city in the cute rivers and lakes, and of course Huang Wenbin couldn't do it. Not only can the casino not be done, but the gambling with gold ingots in the past has been canceled after the gold ingots can be exchanged for huàn Huaxia currency, otherwise it will really become gambling and will be banned in minutes. However, gambling is human nature, and it would be a pity not to make such a large sum of money. So Huang Wenbin talked to the General Administration of Sports,Under the matchmaking of Hai Gongzi,It's easy to get the online sales agency of sports lottery,You can buy lottery tickets in the game.

"The boss is really wise, this is really a big innovation." Pu Xie patted the sycophant and said.

"That's a groundbreak." Huang Wenbin is very self-aware,Everyone knows that buying lottery tickets online is a big cake,Everyone is trying to sell it,But ordinary people can't put the General Administration of Sports and the Ministry of Civil Affairs,So there is no way to sell it. Huang Wenbin has a relationship, but he has only settled the General Administration of Sports, and the Ministry of Civil Affairs has not yet talked about it. Selling funds in the game is a pioneering move, but selling lottery tickets is not.

"If you want to buy lottery tickets, it's better to sell other games together." Fang Tianhe said, the fund is difficult, the lottery is easy, since it has been discussed, it can't be let go.

"Don't be in a hurry, if the momentum is too big, it is easy to attract opposition." Huang Wenbin said, "It's not too late to slowly grow bigger." "It's hard to be a pioneer, whether it's a fund or selling online lottery tickets, you have to face the opposition of countless vested interests. Even if it's Alipay,Yue Bao was done,Online lottery was finally suppressed,But it's not just Taobao,It's all online lotteries that have been banned。

"Moe Jianghu can be regarded as an epoch-making game." Fang Tianhe sighed, "Not only can you buy lottery tickets, but you can also buy funds." ”

"yes, you can make a lot of extra money!" General commentary.

"Can you not get into the eye of money." Fang Tianhe was very dissatisfied, "This is a major event that can be included in financial history!" Buy lottery tickets in the game, buy funds in the game, this kind of initiative, you just care about making money? "Famous in history, what a big temptation, Fang Tianhe has been in the financial industry for so long, and he hasn't encountered a chance to leave his name in history, but he actually got his hands on Pu Jie, it's like a blind cat hitting a dead mouse.

If this is the result of the hard work of the general solution, then forget it, he obviously doesn't understand finance at all, or because he made a mistake in his work, he caused a serious loss to the company, and as a result, he left his name, which is simply to make Fang Tianhe angry to death. The idea of selling the fund was actually thought up by Huang Wenbin, but Huang Wenbin came up with it, and someone had to implement it. As the person in charge of Wheat Games and the development director of Meng Jianghu, Pu Xie will definitely be mentioned in passing.

"Doing business is about making money, otherwise what else is it about." Pu Xie didn't think he was lucky at all, he still had tens of millions of arrears on his back, which made him breathless, so he could only drill into the eyes of money, "What I admire most in my life is the boss, who has made so much money, if I have so much money, how good it would be." "Tens of millions of them were thrown out casually, and they didn't even look at them.

"It's so vulgar, it's too vulgar." Fang Tian and disdain him.

"I'm a layman." In the past, Pu Xie also had ideals, but now that he owes so much money, his ideals can only be used to feed the dogs.

"You don't have to argue." Huang Wenbin said, "Sister Fang, it's easy for you to keep your name, just say that you came up with the trick of buying a fund." ”

"This ...... May I? "Fang Tianhe is a very moral person, and he has never disdained to take the credit of others as his own, let alone the credit of his own lover.

"Of course you can, what's not to do." Huang Wenbin said.

"That's what you think." Fang Tianhe said.

"What does it matter?" For Huang Wenbin, this kind of false name is like a floating cloud in the sky, which is inconsequential at all.

"That'...... All right. In the face of such a temptation, Fang Tianhe couldn't resist it.

"As for making money." Huang Wenbin explained to Pu again, "As long as you work hard, it is very easy to make money, Meng Jianghu is doing well, I will give you a special dividend at the end of the year, and I will guarantee that all debts can be paid off." ”

"Thank you boss, thank you boss!" Pu Xie didn't have the mouth to agree.