From Signing In To Dominate The World

Chapter 750

The host and the guest enjoy a meal.

This is how the network is built.

Gao Wen vaguely heard that the official forces represented by the president Wu seemed to want to unite with people like Chen Liang to make a fuss about the virtual economy and financial system.

But she didn’t understand exactly what was going on, and she didn’t listen carefully.

After all, these things are too far away from her.

“Why do they think that Ma Yun is Zou Yuanbiao who sells straight to you? I think Ma Yun is quite good. He changed this era.”

Gao Wen couldn’t help saying as she got into the car.

She doesn’t have much friendship with Ma Yun, and the reason for saying this is entirely out of a righteous heart.

After all, the impact Ma Yun has brought to this society is visible to the human eye.

“Actually, businessmen are the same as your entertainers. What outsiders see is nothing more than a created persona.”

Chen Liang started the car and whispered softly: “Everyone only saw him use’innovation to force supervision’, but few people have noticed that Ant has sold private debts on behalf of funds, sold funds on behalf of funds, and acted as a p2p capital channel. I have played equity crowdfunding, and have also introduced mutual protection… Few people know how many thunders have exploded in these business models.”

“But he does provide convenience to people, for example, when many people are in a hurry to use money…”

Chen Liang naturally understood what she was going to say.

“You want to talk about the two small loan models of Ant? Take Huabei as an example. The nominal instalment interest rate is 8.8%. After calculating the equal principal and interest repayment, the real annualized interest rate is close to 18%. There are only a lot more credit cards in big banks, let alone borrowing.

Of course, if you say that ants can alleviate people’s urgent needs, this is indeed undeniable. ”

Relying on the system step by step to this day, Chen Liang did not feel that Wu You would sit back and enjoy his achievements and continue to learn business knowledge.

Like all business people, he naturally studied the success of ants.

To put it bluntly.

The success of the ant is the story of a matryoshka doll. To explain it simply, these are the steps.

1. Register two small loan companies with a registered capital of 3 billion.

2. Use 2 times leverage to borrow 6 billion from the bank and get 9 billion capital.

3. The 9 billion capital fund lends, and 20 billion can be released according to the requirements of the leverage ratio.

4. Issue ABS with packaged assets, with more than 40 rounds of financing in three years, forming a scale of more than 300 billion.

5. Repeat steps 2 and 4 to increase the total assets.

6. Before the increase in the overdue rate and bad debts was exposed, the company took more capital to go public.

Do you think this plot is a bit familiar?

The subprime mortgages that year, both cats and dogs can borrow housing loans, housing loan assets are then packaged with ABS, bank social security will buy them, and finally they will be sold to leeks in the form of financial insurance…

There is an old saying, “Drink water and never forget the digger.” If there were no weak supervision in the past, there would be no huge ants today.

But if the richest man in Ma gets the cheapest, he still doesn’t want to be good. He has to say that there is no system in domestic finance. Do you plan to keep the green light on supervision?

It’s really bloated.

Even if he were himself, Chen Liang felt that he would probably “beat and beat”.

“What do you mean, he is a liar with a reputation?”

Gao Wen was a little unacceptable.

Chen Liang was silent.

“Let me tell you that, in the past two decades, in addition to Lenovo’s Liu Chuanzhi, Ma Yun is the second longest-sleeved businessman in China. Considering that the former has a rich background within the system, it is accurate to say that Ma Yun is the most recent in China The first long-sleeved dancing businessman in the past two decades has accumulated rich resources in various fields such as business, politics, academia, and entertainment.

He has been interviewed by senior officials from the United Nations to the governments of many countries, and the official honors are also waiting for him. The inspections by leaders at all levels of the Ari family are even more numerous.

In the shopping malls, Ma Yun not only founded the huge Ari empire, and is the richest man in China with a net worth of 400 billion yuan. He is also a founding member or core member of several top domestic circles such as Taishan Club, Jiangnan Club, China Alumni Association, and Enterprise Club. member.

In the list of Ant shareholders who were just short of going public not long ago, you can see Ma Yun’s circle of friends more closely, Fanhai Lu Zhiqiang, New Hope Liu Yonghao, Midea He Jianfeng, Haier Zhang Ruimin, giant Shi Yuzhu, Fosun Guo Guangchang… …Wait for a group of big guys to hide in the meantime.

Ma Yun tied a group of billionaires with him through various bonds. Of course, the latter was willing to escort him at critical moments.

In academia, everyone knows that Jack Ma has not only become a guest of many well-known institutions of higher learning through donations and cooperation, but also created a lakeside university and even directly promoted the founding of West Lake University.

Not to mention the entertainment industry, you should also be very clear, a meritorious service is enough to explain some problems. ”

Chen Liang is not anxious, unbiased, and always stands in the position of an outsider.

“You want to say that such a person is a liar, of course it is not appropriate, but no matter what, all these resources he built should not be able to save him now, because he broke into a forbidden zone that merchants should not touch: finance And people’s livelihood.”

“In the past decade or so, Ari first used a free strategy to use millions of merchants to defeat eBay and Amazon, and also made physical stores mourn everywhere. When a dominant one, he turned his sickle to online merchants, making it online and offline. Merchants all complained. Originally, this was nothing, but he shouldn’t think that he was really a god, omnipotent, and bombarded the banking industry and regulatory policies in front of a group of financial elites in the heavyweight financial forum. , He forgot that only a small amount of the money in the two chants is self-owned capital, most of which comes from the banking system, and the risks are carried by the latter.

At the same time, the reason why ants have been able to grow savagely for many years is also the result of the regulatory authorities’ encouragement of innovation. If they are included in the supervision earlier, there will be no ants today. People can’t tolerate it.

More importantly, Ma Yun’s speech also caused concerns among regulators. How many security risks will this so-called financial technology giant be filled with the heinous lack of financial knowledge of the ant’s actual controller? How much systemic risk does it pose? Once the ant explodes, the problem will not be entirely a company’s business, but will cause a financial shock through a series of capital chains. This is the root cause of the emergency suspension of Ant’s IPO.

However, Ari continues to increase community group purchases, and grabbing business from vegetable vendors has made higher levels feel uneasy. Food is the most important part of the people’s livelihood projects. The “vegetable basket” is one of the most important parts of all people’s livelihood projects. It is repeated countless times every year from officials at all levels to various media. But what are the hearts of these Internet giants?

Their idea should be to let consumers develop the habit of buying food online through huge subsidies, and then increase prices to harvest users after the market, convenience stores, and fruit and vegetable stores all close down. Three meals a day have become a problem, so what are you thinking about studying and working?

Therefore, Ma Yun’s downfall was not a change in the world, but the fangs exposed by some Internet giants that made a country tremble. ”

Gao Wen was dumbfounded and stunned for a long while, looking at Chen Liang with scorching eyes, almost worshipping.

No wonder this man can have today’s success.

How many people can compare this insight?

Chen Liang didn’t notice the nympho gaze around him.

In fact, he still has a guess about the ant’s Waterloo, but he can’t be sure.

——The pair of eyes that Gu Hengbo mentioned appeared on the promotional picture for the treasure hunting.