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Song Chen's idea of a "money market fund", while Zhao Dekai was very interested, he was full of doubts about the profit prospects and policy obstacles. In the plan conceived by Song Chen, the fund not only needs to bear the bank's transfer fees, but also absorbs the balance of the people, which is also in danger of provoking the greedy tiger of the bank.

However, aside from these hidden dangers, Yu Bao's embedding of the wealth management product of money market fund into Chenxing's account system and the adoption of a vertical sales system is undoubtedly a refreshing and innovative product.

The genes of the new products of "enclosure first and then farming" all carry the tried and tested but aggressive business style of Internet companies.

Although Zhao Dekai promised Song Chen that he would use his connections to promote the "monetary fund" legislation, he still found his father after hesitation. And when Zhao Zhilin heard Song Chen's plan, he first gasped, and then scolded with a smile: "This kid really dares to think, and he is not afraid of choking!" The so-called Yu Yu Bao is simply a catfish put into the financial system! ”

After hearing this, Zhao Dekai asked: "Because of this, I decided to help him push it, but I don't know how much the company should contribute!" ”

Squinting at his son, Zhao Dekai sighed hatefully: "You still need to worry about this matter?" Even if you want to contribute more, can you still compare to the other party's wealth? You're just asking for trouble! Why should you worry about offending people? Song Chen divided Alipay into two and gave it to Lin Yatou and Jiang Yan, and they were on top of it when the sky fell! Philistines disturb themselves! ”

was reprimanded by his father, Zhao Dekai's expression was very unhappy, Zheng Ying hurriedly interjected and asked, "Dad, what do you think, what do you think of Yu Bao's prospects?" ”

"I don't know if it's profitable or not, but judging from the nature of this thing, the people are very welcoming to it, that's for sure!" Zhao Zhilin muttered, "After embedding the money market fund into the Chenxing Group, use the channel in the hands of that guy. The energy is truly amazing! ”

"What about the bank's reaction?" Zheng Ying asked.

"Banks?" Zhao Zhilin sneered, "If Alipay can endure loneliness, Yu Bao will definitely be an ugly duckling who doesn't look amazing at the beginning, and the bank may not be able to see it!" But the common people are different, they can hold a lot of savings funds in their hands that cannot get interest, even if the annualized rate of return of Yu'e Bao is only 2%, it is far more than the bank's current account! Therefore, it is easy to predict that the people who have been suffering from the pain of interest rate inversion have been resentful of the banks that lie on depositors' savings to suck blood...... The more greedy and conservative the bank. The more the people rebound, the greater the influence of Yu Bao! ”

After a pause, Zhao Zhilin sneered and said, "This kid has always shown amazing innovative talent and sharp foresight, but he is a little natural in this calculation. There are too many shrewd financial talents, and he thinks that Yu Bao will not encounter the pain points of the bank until it reaches a certain scale, but I think that the launch of Yu Yu Bao is likely to be his imagination, because he undercalculated the reaction of depositors. ”

After listening to his father's explanation, Zhao Dekai pondered for a long time before saying: "Maybe he has guessed the possible resistance, plus Alipay has some interests entangled with the central bank's UnionPay plan." That's why he sent Alipay to us in the system! ”

Zhao Zhilin nodded and smiled: "It's possible!" How difficult it was for Alipay to be created not long ago, if it weren't for Cui Yang, president of the Dongou Agricultural Bank branch, Alipay would not have been as smooth as it is today. But who would have thought that Alipay would quietly establish a payment and clearing network completely in their own hands in three years' time! In comparison, although UnionPay, which is still in the making, has little conflict of interest with Alipay, it makes people feel that they have lost the opportunity! Although your cousin and his daughter-in-law are not profit-hungry people, I have to admit it. He found a good son-in-law who is both generous and capable, and I am now more and more looking forward to the form that Alipay may show in the future! ”

Zhao Dekai said: "Although it looks good, I still want to ask Qian Hongshi of CITIC Securities for his opinion. If Qian Hongshi is interested, the three should be the most appropriate! ”

"Qian Hongshi?" Zhao Zhilin sighed for a while and said, "This is someone who can be considered...... By the way, last year, Song Chen proposed to set up an integrated iron ore company, is there any follow-up to this plan? ”

"Yes!" Zhao Dekai said in a deep voice, "The people of Zhongneng plan to take the lead in this matter!" Baokai Trust and Chenxing Group have preliminarily agreed on the same amount, and they are ready to invest 600 million yuan! ”

Zhao Zhilin nodded thoughtfully: "In 98 years, the central policy was liberalized, and the local government invested in infrastructure facilities in debt as if it had taken off the bridle horse, and from this trend, land prices will definitely lead to a comprehensive rise in the real estate market within two years at the latest, and the explosion of real estate has driven a large number of industries to benefit, the demand for basic materials such as steel and cement, and the channels of iron ore are indeed in the hands of multinational giants!" Taking advantage of the current stable international iron ore prices to acquire mining companies, Song Chen's mention is very forward-looking! ”

Zheng Yingjiao smiled: "Otherwise, how can people become the most dazzling new stars of the Chinese in just three years?" ”

"Song Chen is right, if this plan is really successful, you will definitely help my country obtain the bargaining power of iron ore imports! This is very important, and the central government will pay attention to it in the future, compared to the monetary fund, this is more important! Therefore, if Baokai Trust still has enough spare power and capital, try to fight for it again! Zhao Zhilin nodded, and said earnestly, "Dekai, although that woman in Zhongneng is only a manager, she is much more active and courageous than you!" ”

Zhao Dekai pursed his lips and was silent for a while before he said slowly: "Dad, I know how to do it!" ”

……

Compared with Zhao Dekai, Qian Hongshi was more interested in Song Chen's Yu Bao, and he was more active, after getting the news from Zhao Dekai, he hurriedly pulled Song Chen and Zhao Dekai, chatted with great interest in a high-end café for an afternoon, and also had an in-depth understanding of the needs and bottom lines of the three parties.

"The U.S. money market fund is more mature than China, and I have reached an agreement with the Legg Mason Group to set up a money market fund with them to pilot the Yu Yu Bao business in the United States. If it goes along with lì, Paypa1's Yue Bao will be a little faster than China's Yue Bao! ”

Qian Hongshi took a sip of coffee and said with a smile: "The market economy of the United States is far better than that of China, and the formulation of bank interest rates belongs to the behavior of market economy, which is not as good as China, and there is still the shadow of the planned economy!" But on the other hand, the marketization of interest rates in the United States also determines that the risk of Paypa1's Yue Bao is much greater than that of Alipay and Song Dong. What do you think? ”

This is a temptation.

Song Chen smiled and said: "PayPa1 can bear losses, Yu'e Bao is not the core product of PayPa1 or Alipay, it is just a product strategy for us to win the favor of users, if the price of Yu'e Bao's loss can be exchanged for high growth of users, then I can accept it, and I can even subsidize the loss of the fund company!" ”

This is still the logic of "enclosure first, then farming", and almost more than ninety percent of today's Internet companies have come over in this way, which has also become one of the fuses of the NASDAQ crisis that began last year.

But. Chenxing Group can accept such a loss, but the potential shareholders of Yu Bao will not think so, so Song Chen noticed that Qian Hongshi and Zhao Dekai's faces changed slightly.

Song Chen smiled faintly and continued: "But just like Qian Dong said, the people are confined to the inversion of the policy control and the interest rate of the currency, and the money stored in the bank not only does not have much interest, but depreciates!" With the market psychology of today's Chinese consumers, the unopened wealth management market, and the attractive prospects for reform benefits, this proves that money market funds have a lot to offer in China.

Qian Hongshi nodded understandingly: "Yu Yu Bao is a refreshing financial management tool, whether it can be popular in China, the key condition is whether it can come up with enough attractive returns." But it's too early to tell! The top priority is to set up a fund company focusing on bank short-term bonds, which can be regarded as a stone to ask for directions, and test the reaction of the central bank and the China Securities Regulatory Commission! ”

"Yu'e Bao is only a project now. Except for a few high-level executives of Chenxing Group, others do not know the specific content, so I hope that the two can keep it secret for the time being, especially not to disclose it to reporters! Song Chen's expression was very cautious. looked at Zhao Dekai's eyes with deep meaning.

Zhao Dekai cleared his throat and smiled: "Don't worry! Not to mention fund companies, we also have common interests in mining investment. No matter how you say it, it's all your own people, and there won't be any rumors! ”

How can this have the feeling of being on a thief ship? Song Chen muttered in his heart.

……

After talking about things with Qian Hongshi and Zhao Dekai, it was close to 11 o'clock, and he was just about to go back to Zhao's house, but he was pulled over by Du Bao and his wife who paid for the business to have dinner, this time not only Jiang Yan's second brother was there, but Ji Chang happened to be in Beiping with his fiancée Du Liyin because he was a relative.

Although Song Chen didn't want to go, he had no choice but to call Jiang Yan and the two sisters to be his female companions. Unfortunately, Jiang Yan had already made an appointment to go shopping in the department store with Zhao Lin, Jiang Hongling and her girlfriends in the afternoon, Song Chen regretted on his lips, but secretly rejoiced in his heart, so he called Yin Jinghe's bodyguard Liu Yonghong - Yin Jinghe herself does not have a mobile phone, not that she can't afford those expensive brand mobile phones, but she is unwilling.

At the same time, Yin Jinghe was entertaining relatives who came to pay New Year's greetings at home.

From an ordinary family with three people living in a small bungalow to a middle-class family with hundreds of thousands of dollars and driving a luxury car, the Yin family only took half a year! Although the process of getting rich is not glorious, in this materialistic society, it is actually difficult to be alone, and Yin Jinghe's parents don't regard "selling women for glory" as a thing at all, but show off to relatives and friends everywhere, which makes Yin Jinghe depressed and helpless.

Facing the complicated and strange eyes of her relatives, Yin Jinghe was actually uncomfortable all over her body, but she couldn't express it, so she had to endure it.

"My Jinghe will be on TV in just over a month!" Yin Jinghe's mother, Xiao Xin, was busy in the kitchen with her hands and feet, but her relatives in the living room could still hear her cheerful laughter.

"Won't it?"

"What TV series is it?"

"It's not a TV series, it's a show host!" Yin Jinghe's father, Yin Chunxiang, also said to his relatives very proudly, "The show is called "Music Billboard", and when the time comes, as long as there are slightly famous stars, there will be big-name stars in Hong Kong, such as Jacky Cheung and Andy Lau, who I like very much, I heard that they will come!" ”

"So fast? Isn't Jinghe just a freshman? "Some people don't believe it.

"Huh! Don't look at what my family's Jinghe is now! Yin Chunxiang said very dissatisfied, "The Music Billboard is organized by Guangguang Media, but Guangguang Media is controlled by Song Chen, and Huayi Brothers is the same, Jinghe may still be the boss of these two companies!" ”

"Dad......" Yin Jinghe's pretty face was crimson, others thought she was blushing, but she knew that she was really ashamed.

Just when she was sitting on pins and needles, her personal bodyguard said very conscientiously: "Miss Yin, Mr. has a party at noon, let me take you there now!" ”

Liu Yonghong's voice was as pleasant as heaven for Yin Jinghe at this time, and she said with a surprise on her face that she couldn't hide: "Now? ”

In the eyes of others, Yin Jinghe herself is also very proud, even if she is a disgraceful mistress. That's right, now the society will soon laugh at the poor and not at the prostitute? A man like Yin Jinghe, who just nods and has someone to send a luxury house and a luxury car to send a bodyguard, who wouldn't want to get out of the bottom life in an instant?

The relatives of the Yin family thought with strange faces, there are still many beautiful girls among them - Yin Chunxiang's handsomeness is there, and the Yin family's family genes will definitely not be bad!

Liu Yonghong nodded.

Yin Chunxiang hurriedly said: "In this case, Jinghe, you go first, just have the two of us at home!" ”

Yin Jinghe nodded reservedly, apologized to her relatives again, and went back to the room to change clothes.

Just as she closed the door, Yin Chunxiang then showed off again: "Let me tell you, Jinghe's two friends have now fallen into the eyes of the boss of Guangguang Media and Huayi Brothers because of her relationship, and there will definitely be great opportunities in the future!" ”

"Then dare to be kind, I said Chunxiang, why don't you let your eldest niece also entrust the relationship? Even if you work with her, it's more promising than those office jobs, right? ”

"Uh......" Yin Chunxiang's face suddenly turned scornful, and he didn't know what to say. After all, Song Chen has already warned his daughter not to abuse his relationship, God knows if this favor can be done! If you help others and make Song Chen tired of his daughter, it will be a big loss!

Yin Jinghe, who vaguely heard what was being talked about outside the door, shook her head, didn't bother to pay attention to her parents who were running the train with their mouths full, and left with Liu Yonghong without saying a word after changing her clothes, leaving relatives with different expressions behind her.

Yin Jinghe came to the café where Song Chen and Zhao Dekai and Qian Hongshi gathered, and without looking for it, she could see Song Chen sitting alone by the window, holding a mobile phone in his hand and seemingly talking to someone about things.

When Yin Jinghe took Liu Yonghong in, she realized that Song Chen was not sitting there alone, at least there were two bodyguards in black suits standing in front of him.

Expressionless faces seem to have become the characteristics of bodyguards, Liu Yonghong is like this, and they are the same, standard poker faces!

Seeing Yin Jinghe, who came with a graceful posture, Song Chen nodded with a light smile, nodded towards the seat opposite, motioned for her to sit first, and said in very fluent English: "...... Are you going to talk to Bob? It's time for AOL Time Warner to ditch the old legacy technology of Overture! Also, Eric, how far are the acquisition talks with Doubleclick going? ”

"A bit of a hassle, boss!" Eric? Schmidt's voice was a little anxious.

"Yahoo stepped in!" (To be continued!)