After divorce, I can hear the voice of the future

Chapter 706 National Business Card
"Mr. Lu, Mr. Ma, what are you chatting about so enthusiastically?"

Suddenly, two hearty laughs rang out. Shen Peng was sitting between the two men, and Zhou Hongwei was sitting next to Lu Liang.

"President Shen, President Zhou, you've arrived quite early too." Old Ma chuckled, remaining silent about the previous topic.

Because he vaguely guessed Lu Liang's intentions, he didn't want anyone to interfere with their good time together.

"It's almost ten o'clock now, it's getting late."

Shen Peng nodded and looked towards the side of the stage.

Just as Lu and Ma were talking, leaders from the city and Beijing came over, ready to go on stage and give speeches.

"Mr. Ma, let's talk again sometime." Lu Liang greeted him, not ruling out cooperating with Lao Ma.

Jack Ma has been deeply involved in the industry for many years, and Alipay also enjoys a certain degree of influence in the international market.

The collaboration between the two is a perfect combination of online and offline methods, and the resulting effect is definitely greater than the sum of its parts.

The premise is that Lao Ma doesn't do anything reckless, lest he get dragged down with him.

"Let's talk later." Old Ma smiled and nodded.

Shen Peng looked thoughtful, while Zhou Hongwei was much more straightforward. He winked and asked, "What are you talking about? Can you give me a copy?"

One is a third-generation business godfather in China, and the other is the most successful money-maker in the country. If they work together, it would be difficult for anyone to lose money if they only hold one share.

"I heard Nezha is selling quite well lately?" Lu Liang asked with a smile, clearly not wanting to discuss the topic further with him.

Zhou Hongwei wasn't a fool either. He sighed inwardly, picked up the conversation, and immediately started cursing: "What a load of rubbish! I'll make Fang Yunzhou change this name sooner or later."

"Since you've already chosen the name, stop dwelling on it. Didn't you recently test drive the new Nezha L?"

Lu Liang suddenly laughed at himself: "Sorry, I misspoke, I meant to test sit in it. I remember you can't drive."

He was in his forties, with all his limbs intact, in good health, and had both money and power.

If it's a revocation of a driver's license, a lifetime ban from taking the test is understandable.

But he doesn't even have a driver's license, let alone know how to drive; you probably couldn't find many like him in the whole country.

“Mr. Lu, this is no fun if you keep talking about this.” Zhou Hongwei’s face darkened.

"Excuse me, please listen quietly to what the leader has to say."

Lu Liang smiled. He was deliberately provoking Zhou Hongwei to prevent him from constantly whispering to him.

After all, they weren't really close. They even had a falling out over whether Nezha should use Baidu's or Tianxing's car infotainment system.

Before long, it was ten o'clock, and the leaders took turns to give speeches, with the audience applauding in response.

Lu Liang yawned quietly. If he hadn't been curious about Lao Ma's thoughts, he wouldn't have attended the meeting at all.

The goal is clearly to make Shanghai a top-tier financial center in China and even the world.

Why complicate things when a single sentence can suffice?

But you have to admire these leaders. They're all saying the same thing, but they use different wording. If it were a graduation thesis, the plagiarism rate would probably be less than 5%.

However, it's not all nonsense; there's some useful information there.

For example, the tightening of policies on new finance and the repeated emphasis on risk control management mean that the good old days when any app could apply for a license and make loans are probably gone forever.

Furthermore, it emphasized the internationalization of the RMB and the development of a new economic system led by the information industry, implying that the RMB would continue to depreciate.

This is also to cope with the impact of the US tariffs, because a large part of the foreign trade market has been lost, and the only option is to make up for it from other countries.

RMB appreciation benefits imports but harms exports; only RMB depreciation benefits exports but harms imports.

"When the world prospers, the people suffer; when the world perishes, the people suffer," Lu Liang said softly, in a voice only he could hear.

Currency devaluation and rising import costs may benefit exports, but ultimately the cost is borne by the domestic population.

They are unaware of this and will only occasionally sigh that money is becoming increasingly difficult to spend.

Lu Liang listened attentively, occasionally flipping through his notebook to jot down keywords that might be useful.

Little did he know that the person sitting next to him was watching Old Ma, whose expression was growing increasingly grim, and he felt he was being targeted.

Tightening policies on new finance directly impact Ant Financial and the rapidly developing MYbank.

This is akin to someone freely expressing their youth and sweat on the track, enjoying the joy of exercise, only to have a bucket of cold water suddenly poured in their face.

Half an hour later, the leaders finished their speeches and set several key points for the summit.

The topics include green finance, financial opening-up, asset management, and fintech.

Guo Changguang, as the organizer of the conference, became the first entrepreneur to take the stage and give a speech.

In addition to being one of the organizers, he is also the second largest shareholder of MYbank, holding 25% of the shares.

All the remarks seemed to be setting the stage for Old Ma's speech, and soon it was Old Ma's turn to take the stage.

Lu Liang squinted and noticed that Lao Ma's expression was unusual. He could also faintly smell gunpowder in the air.

"All I hear is not risk management, but risk aversion."

As expected, Lao Ma did not disappoint Lu Liang. He bowed to the crowd and then opened fire.

He argued vehemently: "What era are we in? Why is our financial regulation still clinging to the old pawnshop mentality?"

"Ten years ago, I said in a public speech that if banks don't change, we will change banks."

"Times have changed, and we have achieved our goal. The cumbersome bank procedures and remittance fees of the past are now a thing of the past."

"Our lives have clearly improved because of these changes, so why should we regress?"

Every outstanding speaker is adept at packaging their own demands as the demands of the public, and at attributing market-driven achievements to their own merits.

Old Ma was undoubtedly one of the best. Lu Liang frowned, sensing the probing in Old Ma's tone, but he wondered what Old Ma was testing.
"From 15 to the present, these three years have been a new stage of financial development, and as a result, we have also seen the emergence of many outstanding financial professionals."

Old Ma then changed the subject, talking about the benefits of financial opening up, and incidentally mentioning someone.

Although no one called him by his name, everyone present subconsciously looked at Lu Liang in the first row.

In the past three years, many outstanding financial professionals have emerged, but among them, who can be more outstanding than Lu Liang?
After all, he was sitting in the first row of the conference, with the 360 ​​"Red-Clad Guru" on his left and the "Godfather of Domestic Investment" on his right.

Lu Liang smiled, his expression unchanged.
But in my heart I had already cursed Lao Ma eight hundred times.

He's stubborn enough to challenge the domestic financial regulatory system, but he shouldn't drag others down with him.

Lu Liang is not as good-tempered as Liu Qiangdong. When Jack Ma said that Alibaba exists to cultivate more JD.coms, he couldn't say a word.

If Lao Ma dares to keep bringing him up, don't blame Lu Liang for poking his tires later.

Because he sensed that Old Ma was testing him, and that this guy definitely had an even bolder plan in store.

Today's remarks are merely a prelude to future plans.

Online merchants?

Or ants?

It is not known at the moment.

However, he probably won't have a good ending.

Lu Liang smiled, like a student listening attentively in class, but a cold glint would occasionally flash in his eyes.

When Lao Ma saw the look in his eyes, he felt a chill run down his spine, and swallowed back many words that were on the tip of his tongue.

He also realized that his remarks had gone a bit too far, after all, Lu Liang was not as easy to talk to as the regulatory team.

Although Lao Ma criticizes domestic financial regulation, he is also well aware that regulators have always adopted a lenient policy of presumption of innocence when dealing with them.

If it wasn't done, then it doesn't exist.

Even with his pants down, he stood blocking the doorway.

As long as you don't actually go inside, even if you just dabble in, there's no way you can be charged, and you won't be forced to stop.

But Lu Liang wouldn't wait until he took off his pants.

If he were to loosen his belt even slightly, given his personality, he might immediately label him an enemy, making any future cooperation out of the question.

Because Jack Ma was the pioneer of new financial concepts.

The point of his words was to let the regulatory leaders know that once policies are tightened, people like Lu Liang will never appear again.

To others, this statement would sound like he pioneered this era, which is why Lu Liang was born.

Clearly, Lu Liang understood these layers of meaning and was aware of his intentions, which is why he issued a warning to him.

"As a developing country, our country lacks systemic financial risk, rather than systemic financial risk."

"It's like Alzheimer's disease and polio; although the symptoms may look similar, they are actually very different."

"If children take medication for Alzheimer's disease, they will not only develop the diseases that the elderly have, but also many other diseases that they have never seen before."

As Old Ma continued speaking, his true purpose gradually came to light, aiming at the Basel Accords system.

They deny its effectiveness, believing it is not open enough.

"Capital adequacy ratio..."

Shen Peng muttered to himself, and Lu Liang heard it. These words were like a thread that connected all the clues at once.

The Basel Accords framework mainly consists of three aspects: capital adequacy, risk management, and market discipline requirements.

The first and most important point is that it stipulates the ratio of capital that banks must hold to their risk-weighted assets in order to ensure that banks have sufficient capital to absorb potential losses.

To put it bluntly, loans require collateral; without assets, a bank's ability to withstand pressure is virtually zero.

This is a perfectly normal thing, but Lao Ma criticized the system from the perspective of the borrower, rather than the perspective of the lender.

Because Ant Financial is not only a lender but also a borrower. It absorbs hundreds of billions of yuan from Alipay users but does not have corresponding assets to pledge as collateral.

"Too fast, it shouldn't be at this time."

At the end of the row, Guo Changguang looked grave; clearly, the events had unfolded beyond his expectations.

In their plan, today's meeting was mainly a prelude and a test of the attitude of domestic financial regulators.

They weren't in a hurry to reveal their true intentions at this time, because the plan wasn't perfect yet, and they hadn't managed to seize enough funds.

On the podium, Old Ma seemed to have a telepathic connection, glancing at Guo Changguang, but then abruptly glancing at Lu Liang.

He knew it was too fast, but time was of the essence; if he didn't accelerate his plans now, he might not have another chance.

Previously, his position was irreplaceable. He was a guest at the White House, an official at the United Nations, and received by leaders of various countries. It would not be an exaggeration to say that he was a calling card for Tokyo University in the world.

However, Lu Liang emerged out of nowhere and enjoyed the same treatment as him in the international market, and even had a greater influence than him.

The key point is that this guy made his first fortune in the country, then went to the international market to make a fortune and never came back.

Only the Loushui New Energy Industrial Park and Tianxing Industrial Park remain as important and high-quality assets that benefit the country and its people.

Even though his relationship with international capital is currently unclear and he has acquired an investment bank in New York, he has not affected the domestic financial system.

Even Lao Ma himself had to admit that Lu Liang was more suitable to be that business card than him.

So he got anxious.

　It seems like I can't get to Chapter 3.

　　
　
(End of this chapter)