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When Song Chen said to the end, Zhao Zhizhan, who was originally disapproving, looked solemn, and Zhao Desheng's face was even more shocked, he straightened his body and asked in a deep voice: "Tell me carefully!" ”

If it was just that time, Song Chen might not be able to understand the many changes and the logic behind the network technology after 2ooo, at most rely on some foresight to grasp the fulcrum of the general economic trend and make a little money! But Song Chen started from scratch, threw himself into the wave of the Internet economy without hesitation, and repeatedly traveled to various countries, even the most stupid people will be trained, with a broad vision, not to mention that Song Chen was a salesman who had been through many ups and downs and knew the warmth and coldness of people before he crossed over.

After sifting through his business experience in the past few years and the economic trends of his previous life, Song Chen slowly muttered: "First of all, traditional business, the impact of the Internet on traditional business is most likely to lead traditional shopping malls to eventually become physical experience stores!" In the past three years, 8848, Tmall, Taobao, eBay and other e-commerce companies have appeared one after another, and many consumers have seen goods and compared clothes in traditional shopping malls such as Beijing Xidan, but they have bought in 8848. ”

"In the Internet field where the administrative force is weak, refreshing creative means are not uncommon, Internet companies and traditional enterprises have completely different business philosophy, in the Internet field where the stronger the stronger the winner takes all, Internet companies are more inclined to occupy the market first and then consider the idea of profitability, and the company's profits and revenue indicators are not the first consideration; However, traditional companies cannot tolerate even a single month's net loss, and these companies are extremely sensitive to net profits. The slightest disturbance may lead them to take drastic measures to avoid a deficit in the financial statements! On top of that, there's also the leasing of brick-and-mortar stores, high logistics, and taxes. and a wide variety of fees...... At this stage, e-commerce naturally has many advantages over traditional business! ”

Zhao Zhizhan and Zhao Desheng nodded, admitting that Song Chen's words were reasonable and responsible, and 8848, as the largest and most influential e-commerce company in China, has no doubt about the pressure and impact on traditional retail!

"If the impact of the Internet on retail lies in the torture of store rent costs and high taxes, then the impact on paper media is the leap of technical means and the change of business philosophy!" Song Chen paused slightly, and then sighed a little cautiously, "It's even more a torture of the media that has not dared to report the truth for a long time!" I understand that the government is interested in stationing content moderators on the portal. However, this method may allow the central government to control the general direction of public opinion, but the upgrade of information and communication technology will inevitably lead to an increase in the difficulty of blockade and management costs! Compared with the unscrupulous bureaucrats in the past, who can guarantee that they can cover the sky with one hand and not reveal a little rumor? To use another analogy, before there was no Internet, "Reference News" was the only window for ordinary people to learn about foreign news, but now there is a portal website where people can learn about the world without leaving home. In addition to specific consumer groups, the contraction of "Reference News" subscriptions is inevitable! ”

Zhao Zhizhan frowned and sighed: "Unexpected, reasonable!" But I don't think the print media will disappear so lightly! ”

In today's China, this may be true! In a highly competitive market. If you don't think about transformation, it is inevitable that it will be difficult to survive! Song Chen curled the corners of his lips and showed a sarcastic smile, "For example, a certain newspaper, the position is crooked, and the content of it will deceive the old farmers in the countryside who have never seen the market." Now that the Internet is all the rage, let's see who wants to read such a newspaper in a few years! Oh. Of course, big customers such as the government, state-owned enterprises, and public institutions will subscribe, so no matter whether the market is good or not, such a newspaper that is full of flowers but strictly deviates from the facts can probably still please people! ”

Song Chen finally spit out such bitter and merciless words, Zhao Zhizhan and his son glanced at each other and couldn't help but shake their heads. As an official in a high position, it is difficult for both public and private to comment on Song Chen's words, so he can only selectively ignore these words.

"The third is finance!" When he said this, Song Chen's originally slightly frivolous expression gradually became solemn, "The advantages of China's traditional finance are obvious, the policy barriers are like a stream, and the private economy is almost impossible to cross, Minsheng Bank claims to be the only private bank in China, but the shareholders represented by the private economy cannot control the operation of Minsheng Bank at all!" ”

Zhao Zhizhan said: "As a state-owned enterprise, the financial industry has always been the stronghold of nationalists, and the administrative power is deep-rooted, are you sure that Chenxing Group can impact the banking industry?" ”

Nationalism? Crony capitalism, right?

Song Chen pursed his lips and said: "If you want to say that Chenxing Group can impact China's financial industry, this is probably a fantasy in the eyes of many people!" The use of Internet technology to carry out financial business can not cause a fatal blow to the core of traditional finance, what can really shake the financial industry is not technical means, it is the operation concept of 'user experience', once the habits of consumers are changed, consumers will 'vote with their feet', thus forcing traditional finance, including the banking industry, to make changes that keep pace with the times! ”

"What to do, are you still planning to open a bank?" Zhao Desheng disagreed.

Song Chen shook his head and said, "Not to mention whether I can obtain a banking license, Chenxing Group is not capable of carrying out banking business now!" Moreover, I don't need to open a bank to achieve the same goal, and in the next year or two, I plan to launch a new wealth management product! Because the market economy process of China and the United States is different, this product may be more useful in today's China, and it also has more subversive power! ”

"Alipay?" Zhao Zhizhan raised his eyebrows and asked. In his heart, Alipay obviously does not have such power, and the company in which his granddaughter holds half of the shares has a certain business conflict with the China Bank Card United Organization (UnionPay), which is preparing a draft!

Unlike Alipay, which was born after UnionPay and was despised by the latter, Chenxing Group's Alipay had a clear goal from the beginning, that is, to establish its own clearing network step by step in a down-to-earth manner, and in two years, it has reached cooperation agreements with the four major state-owned banks, CITIC, Minsheng and other commercial banks to open business interfaces...... Although it is not remarkable in terms of revenue scale, it is also a non-negligible opponent compared to UnionPay, which is still in the draft!

Of course, once UnionPay was born, most of the integrated resources were concentrated offline, and the clearing network of millions of merchants was completely different from the establishment of Alipay online...... On the other hand, it is also a behemoth that is difficult for the fledgling Alipay to fight against.

Song Chen smiled: "It's just a brand-new financial product!" The market conditions in the United States are already ripe, so it may be launched first, while in China, due to policy restrictions, it may take another year or two to brew! At the end of this year at the earliest! ”

Even if the money market fund is subject to many restrictions in China and cannot be compared with 2o11, it is impossible for the new product to immediately obtain the energy and influence that matches the future Yu Yu Bao, but in Song Chen's estimate, if Yu Yu Bao is launched now, it may be possible to boil the "toad" of the "bank" in warm water, and it will not attract the collective hostility of the banking industry!

This gives Chenxing Group enough room to operate.

The impact of the Internet on finance is precisely the inaction, arrogance and prejudice of traditional finance. Even without Jack Ma, Song Chen, who is more influential, will still replace the other party with the same cry: "If the bank doesn't change, we will change the bank." ”

"I really don't understand where your confidence is!" Zhao Desheng sighed slightly, "Although I don't know much about the Internet, but in recent years, with the rise of portals such as Sohu, Sina, and NetEase, we officials have indeed felt the power of public opinion that is completely different from the past!" It's easy to say it, but if you want to take it back, I'm afraid it's difficult! Unlike before, if you are a little smarter, you can save a possible public relations crisis by saying hello to the newspaper! ”

Zhao Zhizhan smiled slightly and said to Song Chen: "Although I don't understand why you are so confident, but the law does not prohibit it, you just need to know it in your heart!" Seeing that your Chenxing Group is getting bigger and bigger and emerging in the world, as Chinese and even Chinese, we are also honored! As for your charity plan, if it weren't so flamboyant, we would naturally support you to do it with all your might! ”

If the flamboyance is true, where does the argument come from? Song Chen knew what Zhao Zhizhan and his son wanted to warn, so he smiled lightly: "Whether it is charity education or charity medical care, it is still just a paper plan, grandpa rest assured, I will consider the deletion at my discretion, and I will not embarrass you and Dad!" ”

In terms of capital operation, Song Chen has always been radical and far-sighted, but in terms of life, Song Chen is old-fashioned, humble and courteous, and he is also famous for his romantic name, so Zhao Desheng smiled and said: "Everything else is fine, I also appreciate your practice of donating all the profits from charity projects!" That is, the financial details should not be too detailed, and there should be leeway, so that it will not cause too much criticism and accusation! ”

In this land, how can it always be a matter of wanting to do good!

Song Chen couldn't help but sigh.

That night, Song Chenwan refused the invitation of Zhao Dekai, Du Bao and others, but only made another appointment to reunite, and then naturally stayed at Zhao's house. After getting the confirmation news, some well-intentioned people had more consideration for Song Chen and the relationship chain behind him.

Just when Song Chen was lying on the bed with Zhao Lin, who was pregnant with Liujia, talking to each other, Song Chen received a strange phone call, this call came from a secretary in the office of the chairman of Sharp China, and the person who wanted to see him was Kaori Hayakawa's father - Niichi Hayakawa.

Zhao Lin's slender jade fingers twisted fiercely on Song Chen's psoas muscles...... Song Chen gasped for a "hiss", and he didn't know if it was a pain in his waist or a headache, in short, he felt that his teeth were sore.

Merry, it really comes at a price!