Jack immediately sat up straight, and then asked solemnly, "What advice, please speak up." ”

"This time pneumonia, Taobao is equivalent to adding a booster, which is about to soar into the sky, and it is out of control, and the development has entered the fast lane, but you have to settle down."

Jack's thoughtfulness, paired with his alien face, makes it feel a little funny.

"You're talking a little too generally, what do you mean specifically?"

Jiang Hua shook his head: "It's just general advice." When the time comes, your whole person will float up, because in my opinion, Taobao is far more than just a shopping website, this is the starting point of your career, if the development is good, it is not a problem for you to become the richest man in my country in the future. ”

"I lend you good words." Jack said with a smile: "Taobao is just a dream of mine, how to use the Internet to achieve business behavior, as for the richest man or something, I can't think about it." ”

"Dreams go bad." Jiang Hua's expression was a little mysterious: "Many people's initial dreams are very good. But in the process of pursuing his dreams, he gradually changed. ”

"Your dreams are very good, but your dreams can bring you huge benefits, at this time you have to be careful and vigilant, as the old saying goes, I am three times a day, I am self-examined, have you deviated from your dreams?"

Jack nodded: "I still don't understand, I feel like you think I'm going to get into trouble in the future." ”

"Because I know you're going to focus on building your payment system next."

Jack nodded again: "That's right, if Taobao wants to make great progress, it must have a stable, safe and convenient payment system." ”

"Then you're definitely going to have to get involved in finance."

Jack gave a thumbs up: "It's thanks to you that you didn't do e-commerce, if you don't have room for me to survive in e-commerce, every step of mine seems to be within your plan." ”

Jiang Hua stopped the smile on his face, of course he wanted to laugh, he was a loyal user of Alipay in his previous life, and he was also deeply affected by Huabei and Borrowing.

"It's not that I haven't done e-commerce, I haven't thought about doing e-commerce at all." Jiang Hua said solemnly: "I once had the idea of e-commerce, but in the end I gave up. ”

"Why?"

"Industry and science and technology can make the country strong." Jiang Hua patted the table: "However, no matter how well the e-commerce company does, it is only a middleman and a broker, and it has no practical meaning in the final analysis." ”

"It makes sense, we shorten the distance between manufacturers and customers, so that it is easier for customers to obtain high-quality and low-cost products, and it can also promote the further development of manufacturers."

"This step omitted in the middle has smashed how many people's jobs." Jiang Hua said uncertainly: "I can't evaluate it at present, but whether it is beneficial to society or harmful to society depends on the long run." ”

"It's definitely beneficial and harmless." Jack said categorically: "The middle layer is completely because the technology can't reach it, so there will be middlemen in the middle for thousands of years to make the difference, a perfect business model, there should not be this kind of deformed existence of exploiting profits." ”

"The earliest business practices were born because of their generation, and the society would not have developed to this day without the existence of middlemen, I don't study sociology, so I can't judge whether your cognition is correct, but I know that if e-commerce is really highly developed, for the whole society, a large part of people's profits will be damaged."

"This belongs to natural selection, survival of the fittest, and those who are eliminated will naturally invest in other industries."

"It makes sense, but if the boom in e-commerce causes the real economy to go down, then our streets may be very ugly." Jiang Hua said with a smile: "You imagine that a huge department store, there are few people shopping in it, the real estate driven is not good, the supporting service facilities around the vicinity are not good, and public transportation will not have many customers because of this, resulting in a series of chain reactions that we do not expect." ”

Jack felt sweat running down his forehead, and he didn't dare to think about it anymore, this scene was terrible.

Jiang Hua smiled: "Hey, guess how many people will follow you to do e-commerce after you are developed, and will anyone do e-commerce will surpass you, when the entire e-commerce is highly developed, how much impact will it have on the real economy?" ”

Jack felt his legs go a little weak and tried to stand up hard, but it seemed that his legs were like noodles, and he couldn't do it at all.

"Okay, I won't scare you, this involves the country's macroeconomic control." Jiang Hua said with a smile: "Besides, so many small shops that do e-commerce, it doesn't mean that everyone can make money by doing e-commerce, any business can make money at the beginning, and most of the losses will be made later." ”

Jack wiped the cold sweat from his forehead: "I never thought about what you said, and I dare not think about it now." ”

"Let's get down to business, I just said that you want to vigorously develop your own payment system, which involves finance." Jiang Hua said very seriously: "Look at the ugly country, most of the rich people are on Wall Street now, do you know why?" ”

Jack has almost lost his ability to think now, usually in the company, he likes to talk eloquently, and he can talk at length to make others lose their sense of self, today, he is self-inflicted.

"Because it's so easy to make money." Jiang Hua tapped his finger on the table: "As long as you have enough capital, then you can easily make huge profits in any aspect, I'm afraid that you will get lost in this feeling." ”

Jack's eyes were rolling, not knowing what he was thinking.

"Finance is a booster of the economy, and if it is used well, it will benefit the country and the people, but if it is not used well, it will bring disaster to the country and the people." Jiang Hua admonished: "When you have money, invest more in high-tech, don't always think about urging the people to consume more, the people will naturally consume more when they have money." ”

Jiang Hua almost told him bluntly, don't do any flower borrowing in the future, just because he looks at this head, small loans are everywhere, how many post-80s, post-90s and even post-00s are deeply involved.

"Understood."

After sending this horse away. Jiang Hua really hopes that he can have some understanding, when they were selling vegetables in their previous life, it was a lot of scolding, and how many people pulled them to compare with Tesla.

"You can't hope for their realization, you have to hang a sword over their heads." Jiang Hua said to himself: "Once you see such signs, you must take decisive action." ”

However, Jiang Hua also knows that the birth of Ant Financial is overwhelming, and he can only add a tightening spell to us.

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