Chapter 1124: Internet Finance (7/10)
"Brother Ji, in fact, this payment software is the capital that I am confident that I can compete with other companies in the future. You know the financial industry, so do you understand what Internet finance is?"
The payment package of the horse transport in the previous life can become the largest third-party payment platform in the world, and it is the undisputed number one in terms of scale, number of users and cash flow. At that time, the payment package still had many competitors. It shows that many people are aware of the profits here.
In this life, the development will be earlier, and it can be used on multiple platforms such as eBay, Amazon, Alibaba, and Polar Bear Network Company, and it is expected to control the three major markets of North America, China, and Eastern Europe. It will definitely be more powerful than the previous life.
In the previous life, the technology of this payment package was originally developed by the team of Yahoo, Softbank and Papa Ma. Then, when Papa Ma was the CEO, he spun off the payment package business and transferred it to a company controlled by him. In the end, Yahu and the others were cheated.
Yahoo’s stock price fell again and again, but Alibaba’s stock price can continue to rise. This payment package is indispensable. The evaluation value of the payment package is also far more than several e-commerce websites under Ali Baba, and it has become the core value of Ali Baba.
Hearing Feng Yu talk about Internet finance, Kirilenko thought to himself, what is so difficult to understand, isn't it just finance on the Internet.
"Feng, of course I understand. It's like Nasdaq, isn't it just electronic transactions on the Internet. Stocks are not financial products, so Nasdaq stocks are Internet finance, right?"
Feng Yu took out two cigars, handed one to Kirilenko, lit it, took a deep breath, and exhaled a smoke ring: "If you say so, it's okay. But the Internet finance I'm talking about is different from yours. It is very different. Internet finance is not a simple combination of the Internet and traditional financial industry, but the traditional financial industry uses Internet technology, including information and communication technology, to realize new financial business models such as capital integration, payment, investment, and information intermediary.”
"The online stock trading you mentioned is a kind of investment, but it does not represent everything. It is right that all of our Internet finance should be based on the Internet. Whether it is the market, service, organization, product or regulatory system Wait, everything should be on the network platform, no real trading counters are needed, all operations are all carried out on the network, and there is no need for person-to-person meetings, even if you hire a financial broker, you can communicate on the network .”
"Feng, isn't that right? I hired a financial broker and communicated on the Internet. How do I sign the contract? How do I pay the salary? How can I trust him?" Kirilenko retorted.
"At this time, our third-party payment platform is needed again. We provide credit guarantee, and of course we also need to do credit evaluation. The contract is based on the template on our network, and both parties can confirm it through online video. Of course, the initial Sometimes, the contract still needs to be printed out and signed, but in the future there is absolutely no need for it.”
After the implementation of the Internet real-name system, many agreements do not really need to be signed, just click OK. For example, downloading a mobile phone stock trading software, a video confirmation on the Internet is enough, including uploading the ID card, and only need to take a photo. No signature method is required, but it is also legally effective.
"Network video confirmation? Isn't that very clear?" Now there is network video technology, but limited by the speed of the network, the clarity is poor. Some ordinary users are unable to use this technology.
"The Internet is developing rapidly. You can't use today's perspective to understand products three years later. Now mobile phones can take pictures. Did you think about it three years ago?" Feng Yu picked up the Fengyu phone on the table and shook it. Liao Akira asked.
"Really, what do you mean, online video will be popular in three years?"
"In developed countries, it's definitely not a problem. Even in countries with average Internet access, most Internet users can know about it. And after this thing is launched, it will develop faster and faster, perhaps faster than we imagined.
"
"Then what does the Internet financial service you mentioned include and what products are there?" Kirilenko asked again.
"We have what the traditional financial industry has. For example, investment and wealth management, deposits, withdrawals, loans, capital circulation, exchange transactions, etc. Moreover, some things that traditional industries cannot do, we Internet finance can do, such as mass Fundraising."
"Crowdfunding? What do you mean, everyone raises money for one person? What's so special about it, is it the same in the traditional financial industry?" Kirilenko acted like you don't think I don't know.
"That's right, there are indeed traditional industries, but let me ask you, if a traditional industry wants to raise one million yuan and divide it into one million shares, can it be done?"
"What? One million has to be divided into one million shares. That's not one dollar per person? Then how do you raise funds? Who would go to a financial institution just for one dollar?"
"Yes, no one would go to the bank to raise funds for the other party for a dollar. But what if it is online? You only need to click the mouse a few times and enter the password of the third-party payment platform, and it can be completed in a minute .”
This one million divided into one million shares was not made up by Feng Yu, but the crowdfunding that Feng Yu had really experienced in his previous life. An author wants to publish a book, but no publisher is willing to publish it, for example, the content is too sensitive, such as too niche, etc. At this time, an author launched crowdfunding, and a fan donates 100 coins, which is one yuan Money, get together a sum of money, and publish a book for this author.
For fans, one dollar is nothing at all, but it adds up. Some authors even use crowdfunding to adapt their novels into games or even film and television.
It is too troublesome to go to the bank to donate a dollar, but it is much easier if you only need to operate on the Internet for one minute. △≧miào.*bi(.*)gé△≧,
There are also young singers who want to release records, new directors who want to make movies, and even roadside stalls who want to open crowdfunding stores. There are many failures, but there are also many successes.
In other words, Internet finance can produce many fine-grained products that the traditional financial industry cannot.
These are just the tip of the iceberg. There are too many places where you can make money through this third-party payment platform. Think about those traditional financial bankers, when did you see them lose money?
Just say that China's world-class companies, all large state-owned banks, are all on the list, right? And this third-party payment platform is an institution that can compete with these large state-owned banks, and is even expected to surpass them!
"Brother Ji, Internet finance is much more convenient than you think. For example, if you want a loan, on our payment platform, if your credit record is sufficient, then our platform can give him a loan. We can even launch some online Financial and wealth management products, pushed to those who like to invest in wealth management products, in order to make a profit..."
Following Feng Yu's narration, Kirilenko's eyes became brighter and brighter. This Internet finance is really a treasure trove. The third-party payment software must be developed immediately!
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