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Is Wang Zixuan so noble?

To be honest, there really is, at least in this matter, he thinks more about benefiting ordinary people. Pen & Fun & Pavilion www.biquge.info← Top Novel,

Although Yu'e Bao and Wealth Management can increase Alipay's users and consolidate Alipay's position as the leader in the third-party payment field, without Wang Zixuan, Ma Yun will come up with these products sooner or later.

He is not a genius, except for a few years of rebirth, he does not see the future of Internet finance, at least for now, Internet finance does not have any big profits.

The company he now owns, Ma Yun can bring Alibaba Group to the height of the previous life, and under his influence, Alibaba Group should be even sharper.

In a few years, it will be a group worth hundreds of billions of dollars.

Although he doesn't have any golden fingers in other companies, Prince Technology's WeChat has become the leader in the field of instant messaging and social networking, and with the popularity of smartphones, the global user base should reach about 1.5 billion. Prince Mobile acquired Motorola, and in the future, he will strive to acquire Nokia, maybe he can really make a better product than Apple, even if he can't do it, he should be able to make a good mobile phone brand.

Prince Vacations is also on the right track, with a high global reputation, and with the support of brand effect and a significant increase in domestic outbound tourists, it will also become more and more profitable.

Evolution Media's "The Voice", "Let's Run", "I Am a Singer", "Where Are You Going, Dad", "Sister Over Flowers", "Chinese Character Dictation Conference" and other programs can also be done for a few years, with the support of the profits of these programs, the company will launch more programs next year, and there are always some programs that can become trump cards, so that Evolution Media can embark on the road of a virtuous circle.

Tottenham and the Clippers have also embarked on a virtuous circle, with hundreds of millions of fans around the world bringing huge income to the club, and the club can also buy the best stars to guarantee the record and attract fans.

As for Château Romanée-Conti, as long as the quality is guaranteed. It is impossible to lose money at any time, because he is the king of red wine, but under strict restrictions, the profit is not high.

These companies are thriving, and he has long lost his previous entrepreneurial motivation, and playing Internet finance is basically to fulfill promises and design some products that can make the public profitable.

At the same time, he fantasized about making economic reforms faster and avoiding a downturn in a few years.

For him now, it's interesting to find something challenging.

……

Some experts have also analyzed the advantages and disadvantages of wealth management treasures.

Wealth management treasure can be said to achieve the two advantages of high interest and current account, if the scale of wealth management treasure is large enough. It is entirely possible to collapse the deposit system of the entire banking system and cause a major deposit movement again.

However, there are not many wealth management products in the market that guarantee principal and interest, and the issuance scale of 100 billion yuan can not even meet the users of Yu'e Bao.

It can also be said to stabilize the share of Yu'e Bao, because with the reduction of Yu'e Bao's interest, some users will consider whether to switch to the wealth management products of banks and insurance companies with higher interest rates. But you can also draw bread to satisfy your hunger.

Of course, this is all temporary, once the wealth management treasure expands the types of wealth management products, it will still impact the sales of wealth management products of banks and insurance companies.

However, it cannot be said to be a simple shock. This should be a win-win situation for formal wealth management products.

Banks and insurance companies sell their wealth management products, while Wealth Management plays the role of a platform to utilize the huge funds of Yue Bao. Instantly let banks and insurance companies complete the sales of wealth management products. Banks and insurance companies can significantly reduce the cost of sales.

So why do banks oppose the launch of wealth management treasures, because the wealth management products sold by banks are mixed, and many of them are high-risk products. They can also get higher profits, in the face of customers who do not have much financial knowledge, they will only say how high the profit is, and no one can understand those complex financial products, and they can only consider themselves unlucky when they lose money at maturity.

With the platform of wealth management, wealth management treasure will have professional personnel to analyze the risk of these financial products, fooling these professionals is naturally more difficult than fooling ordinary people, some financial products may not be able to sell, or be identified as high-risk products by wealth management, which will greatly affect their interests.

It is precisely because Wealth Management can standardize the wealth management product market to a certain extent and save costs, so Wealth Management Treasure will be supported by the top management and allowed to run on a small scale.

Of course, wealth management treasure is not without hidden dangers.

For example, its anytime withdrawal and appointment service functions are a double-edged sword.

In the early days, the issuance scale of wealth management treasure was small, and the appointment customers were definitely much larger than the withdrawal customers, so it would not be a problem to meet the withdrawal at any time, but once the scale of the wealth management treasure reached trillions or even trillions, the appointment customers may not be able to cover the needs of the withdrawal customers at this time, resulting in difficulties in withdrawal.

In other words, this kind of logically similar game of drumming and passing flowers cannot be played smoothly all the time. At that time, the wealth management treasure can only change the rules, or Wang Zixuan will inject funds for turnover.

And Wang Zixuan's establishment of a capital pool is in violation.

In short, it is impossible to cause any problems at present, but when the scale is enlarged to trillions, some problems may occur.

This is also the reason why Wealth Management is gradually advancing.

However, in any case, Wealth Management is a very good Internet financial innovation.

There is basically no objection to this.

For Wang Zixuan's continuous design of safe and profitable financial products for everyone, the public is naturally also praised.

At the same time as the launch of Wealth Management, Alibaba Group has also increased the capital of Ali Micro Loan.

Ali small loan is a pure credit loan, no mortgage, no guarantee, but now only to Alibaba's members, Ali small loan through the grasp of members in Ali trading volume and other big data to control the risk, mainly to solve some small and micro enterprises short-term, small capital needs, generally less than 10 million yuan.

Alibaba's microfinance has helped many of Alibaba's members, and its operations have been healthy, with a non-performing loan ratio that is even lower than that of bank secured loans.

Wang Zixuan hopes to reduce the financing cost of the society in a multi-pronged manner, although he also feels a little delusional, because the hot real estate has attracted a large amount of capital into the housing market, and the rising housing prices have also made real estate companies willing to bear relatively high interest. With his current ability, it is difficult to bring down the cost of financing for the whole society. (To be continued.) )

ps: (Thanks to the book friend for "stumbling to happiness" 100 reward)

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