Winner Takes It All, Resurrection 2009

The upper class is gambling, while the lower class is playing for their lives.

Qingyun's basic salary system has always been very healthy, and the salary and benefits for front-line sales are unique across the country, including many foreign-funded enterprises.

None of them can compare to Qingyun.

Because in the entire Qingyun system, the most profitable businesses have always been finance and investment, as well as the Internet technology industry with extremely high industry premiums, especially after micro-payments and people's livelihood finance have emerged.

This subsidy goes a step further in the high welfare policy for first-tier cities, such as attracting deposits (transferring funds to micropayment accounts to purchase fixed-term money market funds) and micro-loans.

It also includes insurance business agency promotion, and anyone can participate, including Pinxixi grassroots salesmen and food delivery riders. It is not limited to the so-called financial elites.

The profits are high and the money earned is too much. For example, after the funds deposited in the micropayment account are transferred to the money bond fund issued by Qingyun Real Estate, the annual yield can reach 35% or even more than 50%.

In the futures market, Qingyun relies on the controlling stakes in Dongda, Xiangjiang, Lijiaopo and some European trading platforms (cooperating with friendly companies to participate through their platforms), which is almost equivalent to being a banker and playing openly.

Li Zehua does not need to make regular payments or be harvested periodically. The profits earned by the funds under his name are too high, so high that even he is afraid. He should appropriately improve employee benefits and do more meaningful things.

On the contrary, it has the effect of losing money to avoid disaster. Besides, he is not a miser. Whenever there are festivals or other happy events in the company, such as the listing of subsidiaries or holding companies,

They all arrange to give out red envelopes, and for outstanding employees, one month's salary is often given as a reward. Faced with such a boss who throws money at the slightest disagreement, the subordinates just wish they had another mouth and two pairs of legs.

In short, everyone is working hard, and the entire organizational structure is developing in a healthy and orderly state, automatically eliminating those who don't work hard and want to lie down, and the rest will naturally move forward courageously...

"Uncle, watch this. Next time you receive funds, just follow the steps in this video and transfer the funds from your WeChat wallet to your WeChat account.

Then you just need to wait until the next day, and the interest will be charged on a daily basis at an annual rate of about 6.5%, and it will usually be transferred at 8-9 o'clock in the morning.

And you see here, there is also Weifu. You have a basic credit limit of 500, and you can set up one day of automatic repayment from the 5th to the 20th of each month. No interest will be charged. Even if you forget to repay, it’s okay, there is an additional three-day interest-free period.

You can do this, then withdraw it like this and put it in your change purse. Although the annual interest rate of 500% on 6.5 yuan is not much, every little bit counts. It is equivalent to the company treating you to 32.5 yuan of cigarettes for free every year.

If you buy xx brand, you can buy six packs and still have some left over.”

Central Henan has always been a densely populated area. Qingyun has invested in more than 2000 first-tier Pinxixi experience stores here in one go, plus the sites of Chimei and Fengniao, as well as Qingyun’s agricultural business.

There are nearly 15 front-line salesmen alone, including the established Chaoxu Electronics OEM industry chain, BYD Electric Vehicle Branch, and BYD Electronics OEM Factory in Zhengzhou.

In the future, Zhengzhou International will become another major investment center of Qingyun in the central region. According to the plan, perhaps before 2016, there will be more than one million people working in Qingyun Group in central Henan.

Now, the advantage of having a large population has been fully utilized. As more and more salesmen begin to turn to promoting micropayment platforms, more and more consumers are beginning to enjoy the benefits of mobile Internet.

The high guaranteed interest income, charged on a daily basis, is only one of the aspects. Micropayment has built an ecological chain of mobile Internet software systems that involves every corner of people's livelihood.

This is the real killer move. Taking advantage of the opportunity when Tengda is forced to carry out internal rectification, Qingyun is frantically expanding its business boundaries.

Li Zehua's requirement is very simple. He aims to use the fact that micropayments can bring tangible benefits to thousands of households, and strives to make users become mobile Internet users regardless of whether they have ever been exposed to the Internet.

Any app from Weipay, WeChat, Chumi, Fengniao, Qingyun Software, or Qingyun Electronics, combined into a one-card pass, will become the first choice for all mobile Internet users.

Just like when Internet products were first becoming popular on computers, consumers simply regarded logging into QQ as surfing the Internet. Similarly, for mobile Internet users, the first thing they did was to open their phones.

Just log in to QQ, check micropayments, and use the alarm clock, calendar, computer, weather forecast and other functions in the Qingyun family bucket.

A further plan is to negotiate the introduction of a micropayment settlement system for transportation, including buses, taxis, online car-hailing services, and long-distance railway and aviation coaches.

Recharges for tap water, electricity, telecommunications services, phone bills, data usage, gas and heating can all be completed on a mobile phone without leaving home.

Tenda has already fallen behind. Although Fuzhibao relies on the user base cultivated by Taotao, the largest e-commerce platform, it has less than one percent of the offline staff of Qingyun.

Online, Qingyun controls almost 70% to 80% of the payment traffic entry resources. Ali also does shared bicycles and shared power banks, and even started to support Kuaidi Taxi in Qiantang.

It has officially entered the online ride-hailing business and introduced freight resources into its almost stagnant Cainiao network, competing head-on with Yunyunbang. However, Qingyun's ecological chain and first-mover advantage are too great.

It's so big that even Jack Ma can't accept it. He used to compete with Tengda and they had wins and losses against each other. How come he is fighting with Qingyun now and doesn't even have the room to fight back?

It’s bad enough that Payment Insurance has been suppressed. The annual transaction volume of Pinxixi’s e-commerce is getting close to that of Taotao. Relying on the support of 700 million to 800 million customers in rural communities, Pinxixi has surpassed Taotao.

Becoming China's largest e-commerce platform seems to be just around the corner.

But Jack Ma can't come up with many good ideas. In terms of capital, the amount of money controlled by Squidward Capital is much more than that of Li Zehua, with only a few funds such as Vanguard, State Street Navigator, and BlackRock.

The amount of money it controls is as high as tens of trillions of US dollars. Although this money comes from diversified investors from all over the world, Squid Capital truly enjoys 24-hour control over it.

However, the relatively closed foreign exchange market of Dongda University prevents the biggest advantage of Squid Capital from being brought into play. For example, if you are rich and powerful, the problem is that you cannot convert hundreds of billions of dollars into RMB.

It's easy to get in, but hard to get out!
There is just one thing: this year's net profit of 100 billion yuan must be converted into foreign currency and taken out over the next ten years, and the rest must be retained locally to continue investing in expanding production.

If you have the ability, you can find ways to expand the European and American markets, convert your investment into foreign exchange in the form of foreign trade exports, and make money using your companies in Europe and the United States.

Even if Yutai Capital has the ability, this is only the first line of defense. If you transfer assets through foreign trade, you still have to exchange currency through the central bank, such as selling 100 million export goods.

The foreign currencies such as US dollars and euros you obtain must be deposited in a settlement bank, and then domestic commercial banks will give you local currency at the real-time exchange rate only when you need to import foreign raw materials, technology, and equipment.

Only then will you be given the corresponding foreign exchange quota for purchases. Do you want to exploit the loophole and transfer the foreign exchange directly?
There are no doors.

Perhaps for small amounts, covert transfer is possible, such as introducing technology and falsifying the amount, but large-scale transfer is simply unrealistic, and the companies controlled by Squid Capital dare not move away easily.

Because Tokyo itself is a supermarket, it is the world's second largest economy after the United States and Europe, and it has the most complete manufacturing industry chain in the world.

The labor costs here are extremely low, and most people have received the most basic nine-year compulsory education. Their obedience and discipline are among the best in the world.

Due to various factors, it is impossible for Squid Capital to achieve a hard decoupling unless it suffers a complete defeat in the industrial chain technology and is counterattacked, and loses the mid-to-high-end excess profit market.

Therefore, although Ali is backed by the world's most powerful capital group, it may not be able to defeat the local Qingyun Group in terms of capital scale.

Especially for those domestic companies controlled by Squid Capital, although they have a lot of RMB in their accounts, it is difficult for them to unite and coordinate their positions. After all, Qingyun’s advantage is too great.

Everyone's money doesn't come from the wind, so how can they unconditionally support Ali? The most they can do is help it maintain its leading position in its traditional advantageous businesses, which forces Jack Ma to keep making concessions.

Surrender more control in exchange for enough funds to compete with Qingyun, but the exaggerated investment cannot satisfy the multi-line operations at all. After Tengda's defeat, Ali felt more and more pressure.

Nowadays, in the suburban market, it is almost impossible to see the salesmen of payment insurance going to the market, because as soon as they appear, they will be chased and blocked by Qingyun employees who are dozens of times more numerous. To put it bluntly, it is because we are now in a society ruled by law. Otherwise, a few years ago, they would have been beaten and thrown to the roadside, and no one would have noticed even though they were stinking.

With no competition and a monopoly on the market, coupled with the drive for high commissions, Qingyun's employees are eager to work 20 hours a day and work hard to make money.

Just like in this village right now, the staff of the Pinxixi station in Nanyang, Henan Province, working with the employees of Weifuzhi, are going door to door to sell their products.

No internet?
You can choose between China Mobile, China Telecom and China Unicom, as well as telephone lines and 3G base station signals.

No equipment?
The Roewe is priced at 798, the Honor is priced at 2500 (stuck at the lowest price of the national special subsidy), the Panda is priced at 3999, and the Nokia semi-smartphone (non-full touch screen) is priced at 2.5g.

There are all kinds of styles available, and selling an extra card to activate a data package can bring commissions ranging from tens to hundreds for front-line employees (for a package of up to 36 months, the telecom company will give an additional reward of 300-500).

In addition, you can get a commission by selling mobile phones, installing (mostly pre-installed, a small number of Nokia phones require manual installation), registering and activating them.
When funds are deposited into micropayment accounts, consumers get interest and salesmen get commissions. What about the banks?

The banks are also happy because the backend of micropayment is settled through Ant Financial Services Group, and according to different contractual agreements, the corresponding funds are deposited in state-owned banks in the form of entrusted agents.

The loan is then lent to Weifu Finance Co., Ltd. (Unlimited Liability) under Qingyun Group in the form of an associated mortgage loan. After deducting the interest on fixed-term deposits, the bank generally charges an interest rate ranging from 0.5% to 1.5%.

This is also the reason why the initial interest rate of micropayments was reduced from 8% to 6.5%. The reduced interest rate was taken away by state-owned banks, considering the current economic model and asset appreciation rate.

Qingyun’s investment returns in real estate, high-tech, finance and insurance industries are so high that one year’s net profit can pay for four or five years of interest income, even if the company goes through a high-growth phase in the future.

It is also possible to maintain scale by jointly reducing returns across the entire industry, making money from money, and by mastering the pricing power of resources and maintaining technological advantages, so that you can always be one step ahead of others.

The company has confidence, operates in compliance with the law, does not harm the interests of state-owned banks, and has widespread support. The sales staff below will have enough confidence to promote it to benefit more consumers.

However, it is obvious that the construction of ecological industrial chains in rural areas will take another 30 to 50 years to succeed, conservatively estimated!

Because for a large number of older generations born in the 1940s, 1950s and 1960s, let alone smartphones, the only thing that can be called an electrical appliance in some families is a flashlight.

You read that right. Only those who have truly entered the countryside and experienced the most primitive life up close know that behind the glamour and prosperity of big cities, there are still hundreds of millions of people who have not escaped poverty.

As of November 2011, the "Village-to-Village" project has not yet achieved full coverage, and many people have spent their entire lives without leaving their hometowns.

The income from farming in rural areas can only be said to be barely enough to support a family. After all, it is less than five years away from the full abolition of taxes in the agricultural sector.

More middle-aged rural laborers either go to factories or become construction workers, earning meager incomes by participating in the construction of industrial society and improving their family's living environment.

Good days are being created bit by bit through everyone's hard-working hands.

For example, Pinduoduo engineer Xiaosi worked tirelessly and followed the rural promotion team to visit villages and households. He did not give up lobbying even for families whose front doors were leaking.

Because the micro-loans jointly launched by Weifuzhi and Minsheng Financial Holdings are just suitable for such poor families. Of course, the premise is that the owner of the family has an ambitious mind.

Cheng Xiaosi, who was busy demonstrating to a 50-year-old man how to earn interest through micropayments, turned around and explained to the 60-year-old man waiting beside him how to make money by doing odd jobs through WeChat groups.

“Uncle, I understand the difficulty of finding a wife for your son in rural areas, but there are really not many jobs suitable for your age.

I see that you are still in good health, so I am willing to tell you this. Why don’t you go to the Qingyun Agricultural Company in town to see if they want you to work on the vegetable and fruit sorting line?

Two meals a day and accommodation are provided. If you think it is suitable, how about I give you the phone number of their factory?"

The sixty-year-old man showed a mouthful of dark yellow old teeth and spoke in a plastic accent that normal people couldn't understand. Fortunately, Cheng Xiaosi was a local and could understand him to some extent.

"I have two grandchildren who need to go to school. My husband passed away early, and my son and daughter-in-law both work in a garment factory in Zhejiang Province. I am worried that if I go to work in Qingyun Agriculture's food processing factory, there will be no one to take care of the children."

Cheng Xiaosi did not frown, because this is a common phenomenon in the local area. Young people go to factories in big cities to work and earn money to change their poor lives, while their elderly parents stay at home to raise left-behind children.

When children graduate, they can follow in the footsteps of their parents and ancestors and continue to flock to big cities.

But what they don’t know is that the times are progressing and technology is innovating. When those born in the 90s and 00s start to grow up and enter society.

A large group of ordinary people who have only junior high school or technical secondary school education and have no special skills work on the assembly line, earning a meager salary and barely supporting themselves.

Labor-intensive and inefficient factories are being eliminated by the market, but the number of low-end labor entering the market is increasing exponentially, and people are not a resource that can be easily consumed in a short period of time.

Give factories unlimited options.

The country has already noticed this and is beginning to invest in vocational education, striving to divert talent here in advance and provide support for future industrial upgrading. Qingyun is also working vigorously with vocational colleges to provide money and manpower to train a new generation of industrial workers.

While making the plans, Qingyun has not forgotten the existing older generation who are eager to improve their lives through labor.

After looking through the relevant company policies, Cheng Xiaosi finally found what he wanted, so he said, "Grandpa, can you do the work of picking, collecting, and carrying vegetables in the fields?

Okay, that's no problem. It's just a laborious and tedious job. Someone in the next village happened to have taken on the job of transporting people. If you have time, you can follow the farm tractor.

I go out early in the morning and come back at around 4 or 5 in the afternoon after delivering the collected products to the food processing factory. I can also make it in time to deliver meals to the children. If I have something to do on a certain day, I don't have to go.

Just say hello in the WeChat group in advance. It's very flexible, but the salary is a bit low, ranging from 25 to 40 yuan a day.

If you like. "

"Of course, no problem. But you guys also need to buy a cell phone and a computer. That's going to cost a lot of money, right?"

Facing the old man's question, Cheng Xiaosi waved his hand and called the micropayment staff over, "Give me his ID card and household registration booklet, and apply for a loan of 1,000 yuan for him.

Anyway, as long as he works, 10 yuan a day can be deducted and he can pay it back in three or four months."

The Weifu staff was familiar with the process and immediately logged into the app to take a photo and register. The whole process went very quickly and was approved within a few minutes.

Then, the money was directly transferred to the Pinxixi account, and the rest was directly deposited into the micropayment wallet. Then a Roewe mobile phone was delivered from the car, and the telecommunications company staff taught the old man how to operate it on the spot...

The following matters no longer require managers to keep an eye on them all the time, because they are working for their own financial prospects and are very motivated. The only thing to do is to prevent them from embezzling money or violating regulations.

And Li Zehua now has more important things to do!

For example, setting off a large firework worth hundreds of millions, preferably one that explodes in the air.

However, setting off fireworks is easy. The difficulty lies in how to guide some people to take the initiative to do it and take action immediately afterwards. (End of this chapter)