Start with buying a house

Chapter 187 Powerless (Please subscribe! Please ask for a monthly pass!)
Although the future of Qianhai Development Zone is very beautifully outlined, Ouyang Dehe knows that its development is not smooth sailing and the situation is very complicated.

This land covers an area of ​​15 square kilometers, basically formed by land reclamation that began in the early 80s.

This involves the issue of land ownership between central enterprises, the local government of Shenchuan City, and the subway company.

In fact, it belongs to Shenchuan Municipality, and the government does not have many land development resources. If you want to plan and develop in a unified way, you must discuss with the land rights owner about the development and use of the land.

In addition, because Qianhai Development Zone is adjacent to Shenchuan International Airport, there is a requirement for building height restrictions, which limits the aerial development of Qianhai Development Zone.

Generally speaking, the situation inside is very complicated, and it cannot be explained clearly at once.

However, the future of Qianhai cannot be ignored. As a reborn person, Ouyang Dehe will certainly not let go of such an opportunity to enter Qianhai in advance.

The future Starlight Plaza, Starlight University, Starhe Logistics Park, Starlight Group Headquarters, and Starlight Financial Investment Management Co., Ltd. have all purchased land in advance in [-].

However, the land used by Starlight University is an educational land provided free of charge by Shenchuan City, but the premise is that Starlight University is of a public welfare nature and not for profit.

As for other company land and logistics park land, Shenchuan City has also given certain preferential policy support.

In addition, Ouyang Dehe's Starlight Real Estate and Golden Age Real Estate have also made arrangements in advance to acquire several sites, with a total area of ​​130 million square meters and a value of more than 280 billion yuan. The average price is only more than 2 per square meter. The floor price It is more than 600 yuan per square meter.

This is also Ouyang Dehe's biggest investment, but after a few years, it will definitely bring him huge returns.

Ten years later, the land price in Qianhai will be as high as 30 per square meter, and the floor price will be as high as [-] yuan per square meter.

But now, the floor price of more than 600 yuan per square meter is only a fraction of what it will be ten years later.

And 130 million square meters, based on the value of the Qianhai land parcel auctioned by Ouyang Dehe in [-] before crossing, it will also be a very scary figure.

Ouyang Dehe clearly remembered a piece of news that he saw before he was reborn, a piece of residential land with a total area of ​​more than 800 square meters was auctioned for more than 81 billion yuan.

The 130 million square meters is more than 51 times that of this land, and the value is as high as more than 4000 billion yuan, a price increase of nearly fifteen times.

That is to say, even if Ouyang Dehe does nothing, his annual income will be more than 350 billion after ten years of this land, and he really won by lying down.

In 22, another big event happened, May [-], [-], which was later called "Bitcoin Pizza Day."

The reason is that a programmer named Laszlo Hanyecz bought two pizzas with 1 bitcoins at a price of $30, when a bitcoin was worth only 0.003 cents.

Laszlo Hanyecz paid a British man [-] bitcoins for a pizza.

October 31, [-] is a day worth remembering.

On this day, a person named Nakamoto Kyou took us to another new era, the era of blockchain.

Nakamoto hastily sent the Bitcoin white paper to members of the "encrypted currency mailing group", which means that a new era has officially opened from this day.

In [-], Citigroup's subprime mortgage crisis broke out, European countries' debt crisis, and the global economy suffered a severe recession. It was against this background that Bitcoin was born.

On October 31, [-], known as the Bitcoin White Paper, "Bitcoin: A Peer-to-Peer Electronic Cash System" was published.

From January [-] to March [-], there was basically no trade or market for bitcoins, and users were mainly cryptography enthusiasts who sent bitcoins as a hobby, which were of low value or no value.

In March 50, the user "SmokeTooMuch" auctioned 1 bitcoins at a cumulative price of $[-], but failed to find a buyer.

On March 5, 1, the first Bitcoin exchange was established. Within 0.008 days, the price of Bitcoin increased by 0.08%, from [-] USD to [-] USD for [-] Bitcoin.

In February [-], a pen bitcoin was already equivalent to a US dollar, and a pen bitcoin rose to one US dollar.

By July, Bitcoin was worth as much as $31 apiece.

Then began the process of continuous decline and depreciation.

By December, the price of Bitcoin had dropped to $[-].

In general, Bitcoin has been full of controversy since its birth, and its price has fluctuated wildly.

But before Ouyang Dehe was reborn, the price of Bitcoin had already broken through the sky, reaching tens of thousands of dollars a piece.

Now that Ouyang Dehe knew about the future of pentecoins, he would naturally start buying pentecoins in advance now, and now he can buy a large amount of pentecoins without spending much principal. start.

The huge sale order in the stock market attracted Ma Huateng's attention. He was the first to think of Ouyang Dehe, and instead called Ouyang Dehe for confirmation.

Ouyang Dehe didn't deny it, and said to him: "This is just a normal operation. After all, I have been a bit expensive recently! There is a loan that needs to be repaid in time."

"Then how much do you want to cash out? If it is too much, it will have a great impact on the company's stock price. The company is also preparing to apply for a large loan recently." Ma Huateng said with a bit of a headache.

"Penguin Company applied for a loan? Why didn't it directly apply for the issuance of new shares?" Ouyang Dehe asked a little strangely.

"Do you think that new shares are issued if you want to? In short, I beg you, Boss Ouyang, can you stop messing around in the company's stock market! If the company's stock price goes down, there is no benefit for you. You are the company's No. The second largest shareholder." Ma Huateng said helplessly.

"I know, I will control it well, and I will only ship some goods when the stock price exceeds 170 yuan, so there will be no problem, right?" Ouyang Dehe had no choice but to say.

In fact, it will be a matter of time for Penguin to increase its capital and share, but Ouyang Dehe will definitely not mess around. After all, many of his stocks are mortgaged to the bank, and he can't sell them whenever he wants.

The richer the person, the more money he owes to the bank. Ouyang Dehe knows this very well at this moment.

To put it bluntly, neither Ouyang De nor himself knew how much money he owed the bank, nor did he know how much his assets were.

Money is really just a number to him.

Although Ouyang Dehe has a lot of assets, he often feels that he is very short of money, a lot of money, so many profitable projects and opportunities to make money, he can only watch them slip away. This makes him feel that Very painful and depressing.

As a reborn person, knowing too many things that will happen later is actually not a very good thing sometimes.

After entering 3, 3G networks began to be popularized on a large scale, and [-]G mobile phones began to be accepted and used by more and more people.

StarPay, a subsidiary of Starlight Group, has undergone another revision and changed its name to Starlight Payment. The parent company has also changed its name to Star Financial Services Company, which means that although the light of stars is small, the sky full of stars can also illuminate the entire night sky.

On the mobile version of Starlight Pay after the revision, Delibao financial management function has been added. The user's balance on Starlight Pay will be automatically transferred to Delibao, and the interest will be calculated and paid on a daily basis, which will increase the user's income.

It's like depositing money in a bank and earning interest.

It's just that the interest rate of Delibao in Starlight Payment is much higher than that of banks, and it can also be withdrawn at a later time.

If 1 yuan is placed in the bank, the annual interest on demand deposits is only a few tens of yuan, and the regular deposit is less than two hundred yuan.

It can be placed in Delibao of Xingguang Pay, and there is a daily income of about [-] to [-] cents, which is higher than the one-year deposit interest in the bank.

So some smart people started to try to transfer tens of thousands of yuan into Starlight Pay, earning a few yuan a day, which is equivalent to the daily breakfast fee.

In the bank, the current interest is too low. Although the one-year interest is not much lower than the Delibao interest paid by StarHub, if the bank fixed deposit is withdrawn in advance, the interest can only be calculated as the current deposit.

To sum up, it still exists in Delibao of Starlight Payment, which is more convenient and cost-effective.

In order to control the scale and avoid strong opposition from the bank, each person is limited to transferring 1 yuan per day to the account balance of StarHub Payment, and the upper limit is 10 yuan.

This is actually a temptation to the bank, and it is also a kind of sincerity to the public.

Let me tell you that Starlight Pay is not trying to trick you into transferring money, but real money is profitable, and the transfer exceeds the limit, and Starlight Payment does not accept it.

At this time, it has just entered the era of smart phones. Although cash withdrawal and shopping can be done at any time, the popularity is not very high, so the impact is not very great, and the amount is limited, so it has not attracted the attention of various banks.

Despite this, the funds on Starlight Payment have also experienced explosive growth, and the interest income paid every day is a huge number.

For this reason, Starlight Payment had to introduce a limit purchase, with a limit of 1 million yuan per day, and it would no longer be accepted when it was full. It also declared that it is only in the trial operation stage, and it will be gradually released in the future, and the limit will be raised, or even unlimited.

The lottery starts at nine o'clock every morning, and within half an hour, all the quota is robbed.

Even so, because the benefits given were not particularly large, it did not cause too much trouble, and the accounts of StarHub Payment are also under the supervision of major banks and financial institutions, so I am not worried about Starlight Company running away with money. the way.

In addition, Starlight Pay took the lead in launching the function of scanning codes to pay, and began to promote the use of QR codes to collect payments to merchants.

Ma Wen immediately felt the sense of crisis, and immediately revised Alipay, launched the Yu'ebao function, and the scan code payment function, and launched a market competition with Starlight Pay.

Ma Huateng is also in crisis, and his team is building a new social software targeting smartphones.

With the launch of Yu'ebao, Ma Wen finally understood why Ouyang Dehe was willing to exchange half of his shares in Eatme for his 50.00% shares in Taofu?

There is more and more money on Starlight Pay, and a lot of interest has to be paid every day. Marvin's Tao Pay also faces the same problem.

Instead, for the first time, the two companies use the data provided by big data to perform credit scoring for every Taobao user and every StarHub user.

Users with a credit score higher than [-] can get a certain credit line and apply for a small loan no higher than their credit line from Taopay or Xingguang Pay.

According to different credit scores, users can apply for different loan amounts.The maximum repayment period of the loan is twelve months, and the maximum daily interest rate of the loan is no more than five ten-thousandths.

The higher the credit score, the lower the daily interest rate of the loan, and the loan will be repaid at any time, and the interest will be calculated every day.

Because this method of borrowing is very convenient and flexible, it can be said that the efficiency has been improved countless times compared with applying for a loan from a bank. Once it was launched, it was immediately welcomed by many users.

In this way, whether it is Tao Pay or Starlight Pay, you can get a lot of benefits from it.

After all, whether it is Yu'ebao or Delibao, no matter what the interest rate is, it will be much less than the loaned money!
Some online store owners often encounter difficulties in capital turnover. The emergence of this kind of loan product will undoubtedly make it more convenient for them.

Moreover, the consumer loans launched by the two companies in the early stage are mainly for installments in the consumption scenarios of the e-commerce platform, but with the continuous accumulation of personal credit data, personal credit loans for non-consumption scenarios will also be launched one after another.

This part of the business will naturally have an impact on the similar business of the bank, after all, the scale of several Internet giants is there.

But not every industry is suitable for the Internet.The limit is too low and the principal is returned in installments, which is a bit useless and is destined to be difficult to replace the status of traditional finance.

This is also the reason why the two companies didn't pay too much attention when they started to get involved in the lending business even though the bank noticed it, and let it develop freely.

In April 10, a 20 magnitude earthquake hit the western plateau. Ouyang Dehe once again donated generously, personally donating [-] billion yuan. At the same time, the Starlight Charity Fund donated materials and cash up to [-] billion yuan.

StarHub Group and Starlight Group announced a donation of 10 billion yuan at the same time.

Starlight Pay sent out a donation proposal on the platform immediately, and opened a donation account, and received more than 1 million yuan in donations within three days.

At the same time, donations from employees of Starlight Group and employees of StarHub Group also exceeded [-] million yuan.

In other words, Ouyang Dehe and the companies under his name have donated more than 50 billion yuan in total. Once again, they have aroused everyone's attention nationwide, and at the same time expressed their great gratitude for his kindness. Admiration, but also full of respect for him.

There are many wealthy entrepreneurs in China, but it is almost rare to see someone as enthusiastic about charity as Ouyang Dehe.

Only Ouyang Dehe knew in his heart why he did this, because only by doing this could he feel better.

Just like the Nishikawa earthquake, as a reborn person, how could he not have known about it for a long time?

It's just that in the face of such a natural disaster, he is really helpless!Because he can't change any results, he can only donate as much as possible after the earthquake to make up for his powerlessness.

(End of this chapter)