Sheng Huainan nodded seriously, what Shi Yongxin said is reasonable!

As he travels through the world, although there is a certain information gap, but this is based on the basic understanding of later generations, as the business of Shangsha Technology continues to grow, the butterfly effect is bound to become more and more serious, and he has to consider the government's consideration and impact on this matter.

For the policy of the financial side, compared with the most open attitude of the real industry, it is completely different, this is definitely the place where the conservatives in China are most concentrated, and he really does not have much confidence to get a financial license.

He picked up the glass, closed his eyes, beckoned to Li Jingshu on the side, asked for a wet towel to wipe his face, cooled down the CPU that was about to dry burn, and said, "Very good, you go on!" ”

"I actually don't know too much, boss, after all, you are the controller of this company, and although many of your previous things are unlikely in my opinion, but the success again and again, but also let me have inexplicable information about this project, however, this time it seems to be a little different, although our daily turnover is a large million, but compared to the behemoth of the bank, it is indeed too much worse, it is not the same heavyweight at all, I suspect that it is not what you said this is called' Shangsha Easy Pay's product strength, but we need to get through these links. ”

Shi Yongxin felt that he was a little thirsty, so he took a sip of the wine on the table, and he almost spit it out after he finished drinking, this is a kind of Mexico tequila mixed with some unknown spirit, very strong fragrance, ordinary people really can't adapt to it, Sheng Huainan is really too heavy taste!

He felt that he said a little too much today, but he felt that it was still very worthwhile, which represented a certain degree of trust and reward from the boss, he continued, "There is another important element we have to consider, that is, the positioning of our Shangsha Technology in Yuzhou, it stands to reason that to do this kind of derivative financial tools, we should find the leaders of the magic capital to do the work, but what about the leaders of Yuzhou?" We are begging for a living on the turf of Yuzhou. ”

Sheng Huainan smiled slightly, but said, "You actually fell into a misunderstanding, that is, you fell into a kind of directional comparison!" Why are we looking for the leaders of Yuzhou and the leaders of the Demon Capital? The banking system is completely different from other systems, and the independent status of Huaguo Finance was confirmed decades ago! If you compare Shangsha Technology with the banking system, it is basically equivalent to the difference between sesame and watermelon, not to mention the four major banks, even if it is other joint-stock commercial banks, we are far inferior to others. ”

Hearing this, Shi Yongxin frowned slightly.

He really wasn't very clear about it. Yes, how do you go about cooperating with a bank? If you can't get this layer done, it will be impossible for the project of 'Shangsha Easy Pay' to land.

After waiting for a while, with the arrival of Zhang Peng, the financial director of Shangsha Technology, this topic continued to be discussed in depth, Sheng Huainan changed his words, with seven points of confidence and three points of abuse between his eyebrows, and asked the two executives in front of him, "Let me ask you a question, why do we have to deal with the entire banking system?" It's too difficult, we connect one bank port after another, which is not flattering, cumbersome, and repeats the path of other third-party platforms, which will waste a lot of money! ”

Taobao engaged in a third-party platform, the precipitation of the above flow of funds, it is enough for him to maintain the relationship with the bank, Shangsha Mall only a few sales, even if the traffic is compared to the current Taobao, it is too far behind, if Shangsha uses the same stupid method, that is, it is not cost-effective, and it is not scientific!

"So what should we do?" Zhang Peng, the financial director on the side, asked.

He didn't quite understand what Sheng Huainan's brain hole was for.

Now the third-party payment has been relatively mature, but Taobao's current commercial traffic, not as big as in the future, the current Alipay products, the main purpose and core gameplay is to protect the safety of online funds, so that customers can rest assured to buy online products, as for the income brought by the precipitation of funds, barely enough for software operations, even Taobao itself is hovering on the edge of profit and loss, they still can't know what the magic of capital flow and gameplay is.

"The rules of the game are the same as Alipay, we set up private accounts, bypass the bank, so that we don't need relevant financial licenses, the only difference is that I need to create a mobile APP, this APP is Shangsha Easy Pay,!" Sheng Huainan said with a slight smile.

“APP！” Shi Yongxin and Zhang Peng couldn't help but exclaim, they couldn't help but sigh at Sheng Huainan's big brain.

They are an entity company, what do they do when they play APP, and it is also a non-profit APP that is easy to lose money, what is the underlying logic of doing this, is this a bit out of business?

"That's right, APP!" Sheng Huainan said with a smile.

Shi Yongxin looked at Sheng Huainan who was smiling, and couldn't help but feel nervous, his body was tense, and he couldn't help it at all.

When Sheng Huainan wanted to do something big, he was used to showing such an expression, the more active Sheng Huainan's brain was, the more peaceful his emotions became, and he couldn't help but look forward to it now, what is this big idea?

"The core purpose of this small APP, the first step is to allow users to use their mobile phones to directly purchase our products from online and offline stores. Sheng Huainan stood up, took a sip of wine and said slowly.

Both executives below nodded.

This step is to be expected.

Since Shangsha Technology wants to be an ecology, there must be something to do a closed loop, but they didn't expect that the closed loop of Shangsha Technology built by Sheng Huainan is a virtual APP!

"The second step is that we can rely on the information distribution capabilities given by the APP, combine virtual and reality, and achieve in-depth content co-construction through the divergence and self-development of multiple channels, form a combination of punches, extend the information link, create a closed loop of content ecology, and carry out deep penetration in multi-regional user groups!" Sheng Huainan said.

What?

What do you mean?

What is Mr. Sheng talking about?

Shi Yongxin and Zhang Peng both flashed these three questions in their minds, you look at me, I look at you, and look at each other with wide eyes and shock.

What Sheng Huainan said, they could understand each word separately, but they were confused when they were connected together, is this still Chinese?

They were a little shocked, there are so many doorways in one APP, this thing can not only read information, but also make content, but also interact with customers?

Mr. Sheng plays a lot of tricks!

They were all so dizzy that if Mr. Sheng took out this APP alone to fool outsiders, it is estimated that they could all be stunned.

"Ahem, to put it simply, our second step is to launch a QR code on the APP, this action must be maintained, this is a very critical thing, this thing, must be promoted in all our self-operated stores and sinking channels!" Sheng Huainan felt that he was a bit of an Internet in the later generations, and he explained.

The market needs to be cultivated, and now the Mate 2 is bound to this Shangsha Easy Pay when it is turned on, which is the core object to realize the later gameplay!

The financial crisis is about to come, and before the financial crisis comes, Sheng Huainan must prepare for both hands before the winter!

The first is to carry out over-the-counter transactions in the beautiful country, so that a certain amount of funds can be obtained, but it will be relatively limited, which is not enough to support Shangsha Technology to safely survive the financial crisis of 08.

And the other hand is this Shangsha easy to pay!

Alipay hasn't played the game clearly, it started playing in advance!

In the Hereafter.

Alipay opens an account in a commercial bank, for a commercial bank, Alipay is a private account, but the money in it is scary, for the central bank, Alipay has no affiliation with it at all.

What about Alipay itself?

It said that in order to protect the privacy of Alipay users, all transaction records of Alipay users are absolutely confidential, and they are Alibaba's trade secrets.

Under the above premise, Alipay does not need to invest at all after absorbing a large number of user deposits, it only needs to create circulation!

That is, to maximize the promotion of online and offline payment, when people who use Alipay find out, huh? When I didn't need to change Chinese dollars, and I could use Alipay to complete most or even all of the financial transactions in my life, the situation changed qualitatively!

Alipay creates currency to reduce the cost of currency circulation, on Alipay, the circulation cost of currency is lower than that of banks and cash (not to mention that bank transfer costs fees, the flow of cash also has costs: zero, whole exchange and time costs). Reducing circulation costs is the contribution of Alipay and third-party payment institutions.

One dollar circulates twice, which is equal to two dollars in effect, increasing circulation, and creating a generalized currency.

This is actually a classic example of the Ramsay-Cascas-Koopman model in advanced macroeconomics.

As a senior auditor, Zhang Peng had studied economics before, and under Sheng Huainan's words, he roughly understood how this game was played, and couldn't help nodding his head and sighed, "Mr. Sheng, you are really a genius, Alipay has been created for so long, but I never knew that the game was played like this!" ”

Huajie specializes in playing financial derivatives, but their gameplay is still very traditional, and now Sheng Huainan actually thought of playing through online finance, and the gameplay is more diverse.

"Alright, don't blow it! All of these are long-term plans, and they can't be implemented yet. In a few years, this thing is just a stage of cultivating the market, we don't carry out large-scale promotion, there will be no large-scale flow in, to achieve large-scale benefits, the distance is still too far, but this thing, for increasing our cash flow, there are still certain benefits. Sheng Huainan laughed out loud and said meaningfully.

Subsequently, he roughly explained the third step, with this APP, Sheng Huainan will do some small-scale financial management promotion on it, and you can catch some Shangsha owners to use it, which can be regarded as a preliminary achievement of the purpose of ecological construction of this APP!

In fact, Taobao arrived around 2012, and when Yu'e Bao came out on a large scale, it could carry out very effective financial derivatives and make money with Alipay, but now this fragmented version of the thing ensures the financial security of the company Shangsha Technology, and lays a chess piece with hand, but it is enough!

Zhang Peng and Shi Yongxin nodded again and again after hearing this.

Before they came in, they felt that the TV was a TV, a mobile phone was a mobile phone, and a bank was a bank, but they didn't expect that this so-called ecology could also be played like this, this Shangsha Easy Pay APP, squeezed customers repeatedly, squeezed the last drop of oil and water, Sheng Huainan's grasp of the subtle psychology of customers is really amazing!

This APP is actually a secondary investment that takes advantage of the customer's trust in Shangsha.

They bought Shangsha products, no matter what, it means that they are customers who have been washed once, and they naturally have a sense of trust, and now after having a sense of trust, let them buy financial products on the APP, without persuasion, there will be many people to buy, this, only need to apply for a simple small loan license (cough, it is P2P small loan financial management)!

This interest rate will be a little higher than that of banks, but it will be far lower than the interest rate in the over-the-counter market in the beautiful country.

Before Shangsha Technology was listed, this P2P small financial management, now 07 years on this piece of capital use supervision, will become a more effective source of funds, just spend a little money on APP, but also expand the influence of Shangsha Mall.

One word, it's a good deal!

As soon as he finished saying this, Sheng Huainan slapped the desktop in high spirits, his fingertips pointed to his mate 2 mobile phone, and said with an unfathomable face: "Don't forget, I have the flow product of mate 2, and now the reputation of mate 2 is getting better and better, and other products that follow the traffic can also get a piece of the pie, you have to remember that traffic is the most precious thing in this world, and with traffic we can convert it into anything, including the Shangsha smart screen in the matrix, including this APP!" This is called the linkage of four or two thousand pounds and resources as much as possible! ”

Shi Yongxin's mind buzzed, he felt that he had really been brainwashed by Sheng Huainan.

He had a feeling that this person might be able to change the world!

He still doesn't think that this Shangsha Yifu will have much development prospects in the future, Sheng Huainan did not answer positively, it should be that there is no local government resources to import.

But he thinks it doesn't matter, it's good to make a separate financial flow end for this thing, Shangsha Technology is originally a pure industrial company, these things are just auxiliary tools.

However, Sheng Huainan's method of transferring thousands of pounds in four or two, and the in-depth gameplay of the customer ecology, made him feel as if he had opened a new world.

Shi Yongxin stood up excitedly and blurted out: "Mr. Sheng, leave this matter to me, within half a month, oh no, at most a month, I will definitely develop Shangsha Yifu for you!" ”

"Very good, Mr. Zhang Peng, I'll take you to see you tomorrow...

(End of chapter)