The division of labor between Xu Qinglian and Shi Wenjun is currently controlled by Xu Qinglian, who is good at strategy, and controls the capital and personnel rights, and Shi Wenjun, who is good at practice, is responsible for specific business development, promotion and market expansion.Consy and her classmates with Wang Ai are responsible for specific business negotiations."
Light of the Apennines" is taking Milan as the core, extending its tentacles to southern Europe, Western Europe, and Eastern Europe, and has extensive contact with middle and lower class merchants in society with gentle and courteous and lucrative orders.In the next step, when the "Light of the Three Eastern Provinces" is grafted, these nodes that are gradually concerned about the "Light of the Apennines" network will become the first batch of customers of the "Light of the Three Eastern Provinces".According to Xu Qinglian's vision, the self-operated business of "Light of Apennines" will be fully liberalized, except for a few agricultural and sideline foods, and the purchasing business will gradually shrink to give way to the self-built stores of merchants, mainly for China, while retaining the choice for the world.At the "818 meeting", Xu Qinglian and Shi Wenjun also jointly and formally put forward a request to Wang Ai to develop their own settlement tools, which is to face the historical moment that Taobao must develop its own Alipay, which is a huge project.Because with the development of business, the cash flow of various bank cards is staggered on the website, and there must be a unified settlement tool to convert it, which is a more complicated situation than Alipay.Relatively speaking, at this stage, the purchase money of Chinese customers will be entered into the company's account, and finally converted into euros, which will be debited from Wang Ai's salary card.But this model is limited by Wang's ability to make money, and although he can borrow a lot from the advertising revenue allocated to the R fund, it is still impossible to keep up with the current trend of the company's business expansion.Sooner or later it will have to be resolved.The next step is more complicated is that European customers buy the "light of the three eastern provinces" goods, regardless of how much, many banks pay into the company's account, and then convert into RMB to pay domestic merchants, this process is too cumbersome, and the scale of accumulated funds is too large, and even the scale of accumulated funds after two calculations, may lead to the precipitation of funds should be generated by the bank interest to squeeze the company's profits.This requires an automatic settlement tool that can quickly divert funds, reduce the company's demand for funds, and improve the profitability of the enterprise.Wang Ai frowned and listened to the report of the two, pondered for a moment and said: "Wenjun, after the stupid fund ended its business, it was divided into two, one part went to the Wang Fund, and the other went to the Future Fund, among which there are some financial talents.For the time being, the state has not yet issued financial licenses to private capital, but I estimate that they will definitely be issued in the next three or two years, so we have also reserved some talents.After all, the stupid fund back then had a bit of a bank flavor, so if you want to set up our payment tool, you can find people from there.Well, you just tell my mom directly, she has a lot of pinching in her hands. ”Shi Wenjun said with interest: "Why would this kind of person stay in the Future Fund?"
We don't have a high salary?
”Wang Ai smiled: "Most of them are from the Northeast, growing up in the culture of state-owned enterprises, and they are willing to bear less burden in their hearts." ”Shi Wenjun thought for a while: "The added benefit of lifetime employment?
”Wang Ai shook his head: "It's not an added benefit, this is our unique management method to stabilize the talent team and adapt to the Northeast culture."
In short, if you want to find someone to find my mother, there should be the right talent.I just don't know if there is a resignation from Taobao, you can directly learn from Alipay......
""No." ”Xu Qinglian and Shi Wenjun shook their heads together, and finally Xu Qinglian explained: "Although this is a bit difficult in terms of technology, it is not very complicated, it is nothing more than automatic processing of information, since the appropriation is accounted for."
The difficulty is to understand the financial policy, understand the banking and financial situation, and be good at negotiation.The key is to be able to get the authorization of various banks, both domestic and foreign. ”"It's good to say in China, the talents of the Future Fund must be enough, and if it's really not good, my mother can also find her friends.Well, I can also look for it, when the stupid fund officially started, I knew a few cadres from the Ministry of Finance and the People's Bank of China.But abroad?
”Wang Ai breathed a sigh of relief: "You first ask my mother if she has it, if not, go to Huang Xin, her German Chamber of Commerce in China has been established for more than half a year, and eighty percent of Chinese companies in Germany have joined the association, they should have rich experience in dealing with the banking industry, and they can even help or something." ”"Can it work?"
Shi Wenjun asked suspiciously: "Isn't the Chamber of Commerce just a platform for chatting?"
”Wang Ai smiled: "Of course, the chamber of commerce we formed is also a platform for chatting, but we, the organizers, did not want to make money from it from the beginning, and using our position in Tübingen and the strong economic strength of Baden have helped them a lot."
In short, the favor is very generous, and it is convenient to do things. ”"That's good."
Shi Wenjun breathed a sigh of relief and sat down on the sofa opposite the boss's desk again, and Xu Qinglian behind the boss's desk also leaned on the boss's chair, it seemed that this matter had been bothering them for a long time.Wang Ai looked at the two: "After the development of our payment tools, a large amount of funds will be precipitated, after all, we also need to purchase a deposit system, this fund is large to a certain extent, and we must develop the loan business."
If our business development is going well, this platform can be a small profit, but this loan business may be the next stage of rapid growth, you have to think about it. ”"What do you want to lend?"
Shi Wenjun wondered."
The subprime mortgage crisis."
Wang Ai nodded at her: "The impulse to make money in finance is endless, and when we have funds to precipitate, you thought of developing payment tools to speed up settlement."
When there are still funds that continue to accumulate in various margin qualifications, you will think of lending.But when you lend money, you will find that the loan contract itself can also be mortgaged, which is the subprime mortgage crisis.We will use the only funds we have round by round, and more and more bank and personal funds will be brought in, and it seems that the whole chain is extremely prosperous, but when the economic crisis happens, everything will be fed back to us.We will spit out as much as we earn, and even let our website platform be implicated, and even, overnight, go back to the pre-liberation period, with nothing left, and be driven away from where we started. ”Xu Qinglian and Shi Wenjun both took a deep breath, and listened to Wang Ai continue: "So what?
The family's business is not listed or dispersed, for the sake of safety.We don't lack money when others are short of money, so what do we want more money for?
In the end, it only touches things that we shouldn't.The same goes for this site, which does not go public, does not diversify its shareholdings, and keeps in mind the Basel Accord, and no matter how delicious the fruit is in front of us, we must not forget how big our appetite is. ”Reborn at the top of football