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[This chapter is very difficult to write, I was dizzy to check the information, and finally decided to write it separately, otherwise it wouldn't come out today!] 】

Ten years later there is a strange book, is it the Japanese-American Robert? Kiyosaki's book "Poor Dad Rich Dad" teaches people a vivid word: cash flow, which the author explains as the origin of the company's survival and development.

Assuming that any enterprise exchanges cash flow with its own real goods or services, if there is a company that sits on cash flow, then it must be the darling of the business circle.

If there's one company that is born with this kind of "cash flow", it's paypaL! When paypaL was born, some people used the image of "an online electronic account with wings floating in the sky"!

paypaL was born in late July and early August 1998, and the project was launched two or three months ago in May.

Due to its accurate and clear market positioning, it was a convenient and fast payment method for the booming e-commerce market from the beginning, so it grew rapidly, and more than a third of the users who used eBay at that time were loyal users of paypaL!

In the past 12 months, Paypa1 has swept 3oo0,000 users with virtual reality services and real-time online payments based on email newsletters, and is still growing at a rate of 16,000 new users added every day!

The website has a turnover of $3oo per day, $100 million per month, and $1.2 billion a year! On average, 70,000 transactions per day, each amounting to about $45. With more than $30 million in funds deposited in the ZÀI account alone by PayPa1 users, the financial industry was shocked by the whirlwind of online cash flow caused by Paypa1, and the success of Paypa1 inadvertently touched the sore spot of the traditional financial services industry.

Citibank finally got tired and announced in June that it had joined forces with AOL to launch its own email payment service called "c2it" under the name of the latter's "Quickcash" service, which is almost entirely a copy of the paypa1 model.

Other banks have also taken action.

However, at this moment, the state of Louisiana in the United States issued a note to paypaL, ordering the third-party payment company with paypaL as the company to prohibit cash transfers and other related businesses in the state without authorization, otherwise they will be fined $1ooo per day!

As soon as the news came out, 8848 and Ctrip.com were shot very innocently, and they fell by two or three percentage points that day! Of course, third-party payment companies are "concerned" by the government, and Internet companies such as e-commerce companies such as eBay and Amazon that are related to this business naturally cannot stay out of the situation, and their stock prices have fallen in unison.

Louisiana's "severe" ban made paypaL the focus of the global IT economy for a while, and the voice of decline also came from the corner.

At the same time, countries are beginning to develop their own laws on third-party payments. What worries Song Chen even more is that New York, Edino, and California have also successively investigated paypaL-related businesses. Before taking action in these three states, Gao You gave a very "friendly" reminder and promised to take action.

"The key is Louisiana!"

At the meeting of senior managers of Morningstar Holdings and paypaL, David, a black man who joined Morningstar Holdings as a legal officer for only three months? Drummond said in a deep voice.

David? Drummond began working with Starstar Holdings in 1998. Sansini? Gucci? Partner at Roshady Law Firm. He served as outside counsel for Chenxing, Chenxing and its subsidiaries in various business areas and financial activities, helping to manage complex matters such as mergers and acquisitions and IPOs.

Song Chen naturally doesn't know that the inertia of "history" still makes some things and some people still follow the trajectory forward, David? Drummond was originally the legal officer of googLe. Now, although he does not specialize in serving googLe, his position is a little more senior than "he in history"!

He didn't know that his paypaL company was still like "history", hiding the entrepreneurial elite who would later be called the "paypaL gangsters......

"Louisiana without a doubt!" Eric? Schmidt nodded, "Louisiana must first lift the ban!" Is there a way, Mr. Drummond? ”

Song Chen and all the high-level executives of paypaL looked at David with expectant eyes? Drummond, the latter nodded, and said: "Before the final legal determination of paypaL's business, this prohibition in Louisiana is not in line with the spirit of the law in the United States!" I have faxed a letter of representation to the state government and if things go well, there is a good hope that the state will suspend the ban! ”

Song Chen muttered: "Drummond, you mean that you can only suspend the implementation of this ban, and cannot prevent this ban from spreading to the 51 states of the United States, which will not help solve this public relations crisis?" ”

David? Drummond nodded.

Andrew, a financial officer who has studied law? Freeman said lightly: "To solve this crisis, we must first clarify the positioning of paypaL!" Is it a financial institution, or a commercial institution! ”

Rug? Filip said worriedly: "Of course, it is a commercial institution, if it is a financial institution, it must not only pay reserves to the Federal Reserve Bank of the United States, but also pay user insurance premiums to the Federal Deposit Insurance Corporation of the United States!" In this case, it will be difficult for paypaL to come up with a competitive price!"

"Paypa is not a bank, but its business is actually in the financial sector! To solve this financial crisis, we must first prove that paypaL is not a financial institution from the legal point of view! And avoid financial regulators taking action against paypaL! Eric said slowly.

David? Drummond nodded, and then he said to Song Chen: "In the United States, because of the commercial law, paypaL, as a new payment model, bypasses layers of policy monitoring, which will inevitably cause dissatisfaction and attention from regulators!" In fact, it has been a surprise to many people that the government will choose paypaL after a year, and there is no need for Boss and paypaL colleagues to worry too much about this! ”

Maybe Song Chen took paypaL, which is valued at only one or two hundred million, too seriously! If it weren't for Citibank's cooperation with AOL to open third-party payments, and Louisiana's "ban" later, he even wondered if there was a conspiracy behind it......

He pondered for a long time before he sighed, "That's the best!" Drummond, Chenxing Holdings...... In particular, China Chenxing Holdings will have a large number of capital mergers and acquisitions from next year, plus the company's transnational operation in the future...... The legal department needs to set up a very capable team of lawyers to serve the entire group! It's important to avoid being caught off guard by something like paypaL! ”

That's a good thing for him! David? Drummond perked up and smiled, "Just what I want, I'll pay attention!" ”

After the meeting, returning to his spacious and transparent office, Song Chen glanced at Zeng Qian, who came in with him, and saw that her face was not good-looking, so he asked, "What's wrong?" ”

"Ashley? Fanning, she's here again! Zeng Qian pouted, looking very dissatisfied.

"Ashley? Why didn't you see her just past the office door? Song Chen raised his eyebrows in surprise?

"That's because I made her wait outside the company!" Zeng Qian muttered depressedly.

Song Chen suddenly felt an incomparably headache, he had compensated her for the last interview with Ashley, but she didn't give up during this time, but asked for the "exclusive interview right", he felt that this woman was a little too much! But he is not a man who likes to be tough on women......

Seeing Zeng Qian's pouting mouth full of taste, Song Chen came to her with a smile, pinched her two soft lips and gently shook them twice, teasing, "Don't be jealous, you can hang an oil bottle on your mouth!" ”

"I'll help you get rid of her?" Zeng Qian asked cautiously.

Song Chen looked at Zeng Qian with a smile, and after seeing that her face was empty, he said lightly: "Ah Qian, you remember, never make a decision for me!" Last time you took the initiative to lose the other party's business card, I haven't asked you to hold you accountable! ”

It wasn't she who threw it, but Wang Xiaoxue...... Zeng Qianqiao's face turned white, but she didn't say it after all, and the appearance of crying made the soft-hearted Song Chen feel unbearable - he is not a man who likes temper after all, although he knows that spoiling women is likely to bring more trouble in the future, but in the previous life, he ...... It's too hard, isn't it?

With one hand around Zeng Qian, and the other hand pressed on her elastic round buttocks through the uniform skirt, Song Chen took the teary-eyed woman into his arms, and then blocked her ruddy and soft lips with his lips.

After kissing for a moment, Song Chen smiled and said, "Don't you take it as an example...... Tell the doorman to let her in! Welcome or not, it's always rude to keep the other person out of the door! ”

Covering her lips, Zeng Qian blushed and whispered, "Oh! ”

A few minutes later, Zeng Qian knocked on the door again and came in, and said timidly, "Ashley...... Miss Fanning is gone! ”

“…… Got it! Song Chen raised his head and glanced at Zeng Qian, and said softly, "Ah Qian, remember!" Not an example! ”

Zeng Qian covered her heart and said coquettishly: "I know! ”

Where is the woman...... If it is near, it is not inferior, and if it is far away, there is resentment, as Si said!

In front of the American law, the little people can sue the business giants or the government!

But there's a key to this, and that is that you have to have the money to afford the senior legal elite of the law firm, who can find the key to your victory in the thick of legal texts, so as to protect yourself or knock out the other party.

David? Drummond, as a veteran legal figure, has a lot of legal knowledge and strong interpersonal relationships, and within a few days, Louisiana put away the "ban" and replaced it with a relatively "mild" note, requiring the "paypaL" to apply for a cash transfer license locally! (To be continued.) If you like this work, you are welcome to subscribe (Biquge), reward, your support is my biggest motivation. )