Chapter 1151 Moved the Bank Cake
Feng Yu's strong answer made the four bank representatives sit on the wax again.
They thought they could have a good discussion with Feng Yu on how to cooperate with Feng Yu this time. But unexpectedly, after a disagreement, Feng Yu once again put on the attitude of seeing off the guests.
Their faces also showed unswerving colors, this Feng Yu is too arrogant, right? What does that mean, to get rid of their four major banks?
But at the same time, they were also a little shaken in their hearts. Could it be that Feng Yu has already negotiated with other banks? How do they not know?
If this is the case, then for them, the impact will be very great.
All other banks cooperate with a third-party payment platform, and only the four of them do not cooperate, which will definitely affect their customer experience.
Feng Yu must be defrauding them. How could those banks agree to such absurd cooperation? Isn't this equivalent to giving Feng Yu his own cake?
Just like their bank, no one is the controlling party. Everyone discusses and jointly elects directors and other executives. And if Feng Yu agrees to let them invest in the payment package, it is equivalent to opening a new online bank, so of course there is no problem.
But what Feng Yu meant now was that he wanted to monopolize this part of the benefits, so how could they agree? You said you would give us a share in the future, who knows how long it will be in the future? And what will you do in the future? What should we do if we have less?
"Mr. Feng, no matter how you develop on the Internet, you can't do without the support of our bank. It can be said that no company can do without the support of our bank. It's very embarrassing for us to do this."
Feng Yu glanced at the JPMorgan executive who spoke: "You said that no company can do without a bank, I believe this. But can you represent all banks? There are thousands of banks in the world, without you I don't care about the support of the four companies. As for the online payment platform, we will become the largest in the world. Without our connection, your users will decrease in the future! Since you feel embarrassed, forget it."
Just like in Huaxia in the previous life, if any bank cannot be associated with the payment package, it will really affect customers very much. In the previous life, under the siege of so many payment platforms, the payment package could still guarantee such strength. In this life, the only competitor is Beibao for the time being, and it will definitely develop better.
The big shop bullies the customers, and the big customers bully the shop. The strong position may be reversed at any time.
The representatives of the four banks left again, and Ralph asked with some concern: "Boss, didn't you say that the payment package is expanding from Eastern Europe and China to Europe and the United States? Why is it going to start directly from the United States now?"
"I just provide one more choice for users in the United States. Of course, the main battlefield is still in China." Payment package and Baibao represent two different consumption concepts, and of course the main battlefield will be different.
But it would be even better if it could directly enter the US market and develop globally.
The value of the payment package is greater than that of Baibao. The value of data can be seen from the rising market value of Oracle, which specializes in big data analysis.
It's not that Feng Yu has never invested in banks. For example, the first private bank in China, Minsheng Bank, didn't Feng Yu participate in the investment.
It's just that it is difficult for Minsheng Bank to develop under the pressure of state-owned banks. If it weren't for the support of the companies of these entrepreneurs, I'm afraid it would have been a mess.
Even now, Minsheng Bank is still not making money. The main reason is the above differential treatment.
For example, in terms of loans, the higher authorities have given great support to state-owned banks, but the policies of private banks are always one step behind. The same is true for other businesses, such as funds and insurance.
To put it bluntly, private banks are subject to too many restrictions, otherwise they would have developed long ago.
Just by absorbing savings and investment, Feng Yu can make Minsheng Bank develop faster than state-owned banks, even Minsheng Bank is not allowed to invest overseas.
The state-owned investment institutions have already invested in banks overseas. Those investment institutions are large and have sufficient funds, but in Feng Yu's view, many of their investments are blind!
For example, in the Internet bubble in the United States this time, some investment institutions in China also suffered losses. They blindly chase high and dare not invest at the beginning. By the time they invest, it is already too late.
It's nothing, it can make money. But when it was time to retreat, they thought they could rise back, resulting in less and less profit, and even some investment losses.
Zhu Tiewu once invited Feng Yu to be a consultant to some large state-owned investment institutions, but Feng Yu refused. It's not that he doesn't want to lead the country to make money, but that Feng Yu has too little power and has a lot of responsibilities.
If those investment institutions can obey Feng Yu's command, then Feng Yu can have a large amount of funds to operate. It will be too simple to make a profit at that time.
With a certain level of huge capital, it is easy to make profits if you are conservative. The leaders of those investment institutions in Huaxia are at this level.
After Feng Yu refused, he recommended Professor Liang and Fu Rongqi to Zhu Tiejia, but because of their identities from Xiangjiang, they are still in the investigation stage.
Although it is said that Xiangjiang has returned to the embrace of the motherland, the policies of Xiangjiang and the mainland are very different. They cannot understand many thoughts of Xiangjiang people at all. Of course, it also has a lot to do with Fu Rongqi and Professor Liang's lack of familiarity with mainland politics.
Through this Minsheng Bank, Feng Yu has a deeper understanding of the bank. Let's put it this way, although Minsheng Bank did not make any money, the shareholders of Minsheng Bank have indirectly obtained a lot of profits through the accounts of Minsheng Bank.
A bank that ranks at the bottom in China can bring a lot of profits, not to mention, these banks are ranked at the top in the United States, and even the world.
Accounts are the most important foundation of a bank. For example, Swiss Bank is sought after by the world because it never discloses customers' accounts. It is also by virtue of this that the status of Swiss banks in the world is very detached. ℃≡miào℃≡bi℃≡ge℃≡
The so-called security is just a slogan. If you deposit one billion dollars in any world-class big bank, you can be properly protected. For big customers, the service and security protection of any bank will not be bad.
That money will never be lost!
It's just that UBS can guarantee that your money will only be passed on to the person you want to pass on, or the direct heir, without being affected by other factors such as politics. This is not necessarily the case in other banks.
Also because of Switzerland's status as a permanent neutral country, it is a bit detached from the outside world.
It's a pity that this is just a slogan. Swiss arms are often sold to those war-torn areas. If you are completely neutral, do you need to research arms? To put it bluntly, it is still for the protection of the big cake of interests.
Feng Yu is going to touch the cakes of those banks, and now he wants to see how those banks will choose.
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