After divorce, I can hear the voice of the future

Chapter 833 Yes, that's it!

The following day at noon, Alipay's Tianxing Credit Score and Tianxing Online Bank were launched quietly.

Each user has a reserve fund of 10,000 yen, which is equivalent to 496 yuan.

The system will display a recommended font when you use the payment system. The money will be returned within seven days, with no interest charged.

If the period exceeds seven days, a daily interest rate of 0.03% will be charged, resulting in an annualized rate of 11%, which is only slightly more than half of the maximum interest rate of 20% under Japan's interest rate restriction law.

If you choose to verify your contact person, school, job, and assets such as vehicles and houses, you can get a loan of up to 10 million yen, which is about 500,000 yuan.

For merchants, with verified business documents, bank statements, and other detailed information, they can obtain loans of up to 100 million yen online, which is approximately 5 million yuan.

It can be said that Tianxing Financial simply took Ant Financial's model, upgraded it, and brought it to Japan.

The $200 billion in shareholdings that Lu Liang released also came into play at this moment.

The national media not only remained silent on this issue, but also widely publicized that the yen is currently in a depreciation cycle.

If you don't spend your money, your purchasing power will weaken over time. If you are eligible for a loan, you should apply for one as soon as possible, because the interest earned in a year will definitely not keep up with the rate of depreciation.

Under the barrage of media coverage, Japan's market economy began to fully recover.

Businesses have money, and the public has money.
Consumer demand is growing rapidly, and the national treasury is becoming increasingly full.

Some people who lived through the last century suddenly felt like they were in another world, as if they had returned to the summer of 1985.

Ansan watched as his approval ratings soared, and barring any unforeseen circumstances, his fourth term as prime minister was about to become a reality.

While I was overjoyed, an indescribable sadness welled up in my heart.

Because last time, it took them a generation thirty years to barely pay off their debts.

This time, who knows how long it will take to repay the debt.

Meanwhile, some Chinese bloggers in Japan quickly spread the news back to China.

"Holy crap, Ryoko's started lending money too?"

"Sure enough, the end of a business is lending."

"I've heard that there are many invincible people in Japan. Aren't you worried about not being able to get your principal back?"

"It's obvious you don't understand finance. The acceptable bad debt rate offline is 5%, while online interest rates are higher, and the acceptable bad debt rate is around 10%."

"People will do business that could cost them their lives, but nobody will do business that loses money. Take our country, for example. There are so many online lending villages, but those online lending companies don't seem to hesitate to take action. They still want you to take out loans, the more the better."

"Why is Ryoko having such a flashy time outside? Is the country not only a no-go zone for mercenaries, but also a no-go zone for finance?"

"Otherwise what? Look at A-shares, look at Ma Huateng, look at BYD, look at Huawei. Liangzi knows the political direction in China very well, so he only kept Tianxing Auto."

"Ryoko is still Ryoko after all!"

Just as netizens were discussing the matter, Lao Ma, who was going from Guizhou Province to Yunnan Province to teach, also received the news immediately.

He was overjoyed, his expression almost manic, and his eyes gleamed with an indescribable excitement: "Yes, that's it!"

This is what he envisioned Ant Group to look like. Earning interest on loans is only a small amount; Lu Liang's real intention is to promote the Tianxing Credit System.

While it's possible to promote official institutions through Alipay's payment methods in the early stages by having them controlled by holding companies, the later the promotion, the more obvious the intention will become, leading to resistance from institutions. No one wants to put a shackle on their power.

At this time, the credit system plays a crucial role, with higher scores leading to more preferential treatment and subsidies.

If official institutions do not connect to the credit system, they will not receive these benefits, and these people will spontaneously gather together, forcing the authorities to make changes.

Japan uses an electoral system, where both local councilors and the prime minister must fulfill their promises to voters as much as possible. Therefore, promoting this method would be smoother and more natural.

This approach is like slowly boiling a frog in water. In time, when people look back, they will find that they have become the cornerstone of this credit system. Even if they know the danger of the system being controlled by outsiders, they still have to maintain the system for their own benefit.

Samsung Group's dominance over Goryeo through monopolizing various industries is merely superficial; to achieve true control, it must rely on a credit system.

"That's great~"

Old Ma calmed down, a hint of envy in his eyes.

Lu Liang wields immense influence in the international market, while he can only retreat to the mountains to rebuild his reputation and regain trust.

At the same time, several Wall Street institutions, led by Blackstone Group, gradually realized Lu Liang's true intentions. Stephen Schwarzman convened another roundtable meeting, stating coldly, "We have already missed the best opportunity to curb Lu Liang's development; now we absolutely cannot allow Tianxing Financial to continue its growth..."

As Tianxing Credit Score went online and chaos erupted, Lu Liang, one of the parties involved, quietly left Tokyo for Korea.

With time running out and the task at hand, he reveals more and more of himself, and his true intentions become increasingly clear.

Lu Liang must do everything in his power to expand the scale as much as possible within the limited time available.

In the afternoon, he asked Zheng Xuanyi to arrange a meeting between Li Zaiyong and the three of them in the hotel's reception room.

"Mr. Li, please forgive my sudden visit. I don't have time to wait for your reply."

Lu Liang took a sip of tea and got straight to the point: "Right now, I want a definite answer."

Lee Jae-yong wanted to use Lu Liang to break free from American control, but he didn't want to take any risks.

So, they would bet on whoever had the better chance of winning, betting on both sides without helping either.

But a conspiracy against the University of Tokyo is brewing, and it's anyone's guess when it will suddenly erupt.

Lu Liang now wants Li Zairong to make a choice: if he doesn't stand with him, they will be enemies.

From now on, Tianxing will fully support Hyundai and compete head-on with Samsung in the market, to determine who is superior and to decide their fate.

"Mr. Lu, have some tea."

Zheng Xuanyi maintained his smile as he brewed the tea, but he kept glancing at Li Zairong out of the corner of his eye.

Lu Liang's sudden pressure on Li Zairong was a good thing for him, because Hyundai Group had already been branded with Tianxing Financial and could no longer shake it off.

Previously, the mere glimpse of a Bitcoin project was enough to propel Hyundai back to the ranks of top conglomerates in Korea.

He couldn't even imagine how terrifying the influence would be if Tianxing Financial fully supported Modern Group.

Time passed by, and the only sound in the reception room was the gentle murmur of running water carrying tea.

Lee Jae-yong remained silent for a long time before sighing, "Mr. Lu, Samsung only wants to protect its own territory. Why are you being so aggressive?"

He didn't understand why Lu Liang was suddenly in such a hurry, but making a choice at this time would not be in his personal interest or that of the Samsung Group.

Because he couldn't afford to offend Lu Liang, nor could he afford to offend Wall Street capital led by BlackRock.

If Samsung is forced to make a choice, he can only choose the lesser of two evils and apologize to Lu Liang.

Lu Liang frowned slightly, not expecting to be humiliated by Li Zairong, but upon closer reflection, it made sense.

He stood up, straightened his clothes, and put on a standard smile: "Mr. Li, take care."

Seeing that Lu Liang was about to leave, Li Zairong was taken aback and quickly said, "Mr. Lu, Samsung has no intention of being your enemy. Perhaps we can discuss a compromise."

He really didn't want to take sides at this time. As long as Lu Liang was willing to accept it, even giving up some Samsung Group projects wouldn't be an option.

Lu Liang stopped, a complex expression in his eyes, and shook his head with a sigh: "Mr. Li, you don't understand. There is no compromise. Goodbye."

He left, ignoring Li Zairong's attempts to stop him. Seeing this, Zheng Xuanyi quickly followed Lu Liang's footsteps.

Watching their departing figures, Lee Jae-yong frowned, then belatedly realized, "Perhaps I made a mistake?"

Lu Liang's sudden urgency must stem from a reason he doesn't know and can't reveal, perhaps a turning point that will determine his fate. Maybe he should take the gamble.

Even after Lu Liang's figure had completely disappeared, Li Zairong still couldn't bring herself to say what she was saying, and instead let out a sigh.

You might make a mistake if you do it.
But if you don't do it, at least you won't make a mistake.

Lu Liang, who had stepped out of the reception room a step ahead, sat in his car at the hotel entrance, waiting for Zheng Xuanyi to get in.

Upon seeing Zheng Xuanyi open the car door and sit beside him, Lu Liang said frankly, "Samsung's core industries are semiconductors, consumer electronics, and display panels. I'm not familiar with these industries, Chairman Zheng. What kind of help do you think I can offer?"

Zheng Xuanyi was taken aback, then sat up straight and said with a serious expression, "Samsung is a light industry company, while Hyundai is a heavy industry company. It is difficult for the two to compete. If you insist on taking action against the Samsung Group, then we cannot confront them in their area of ​​expertise."

"That leaves only the financial markets and the banking industry."

After pondering for a long time, Lu Liang asked, "How is the digestion of the Kakao Group going?"

(End of this chapter)