Almighty crossover king

Chapter 595 The Crisis Is Coming
"Xiaofan, this is the document that was just issued today. Take a look..."

In Zhang Fan's villa, Ruan Qingshan handed a document to Zhang Fan.Zhang Fan looked at Ruan Qingshan and quickly opened the file.He knew that Ruan Qingshan would never come to him if it wasn't something very important.

Opening the file, Zhang Fan read it.The more he looked at his face, the more serious he looked.This document is issued by the central bank.The content of the document is very simple, which is to effectively manage the online payment platform.

In fact, the so-called management is the restriction on funds.Use this limitation to avoid risk.

"This is to cut off our source of funds."

Zhang Fan closed the document with an ugly expression on his face.You must know the reason why Longteng Group is growing rapidly.The big reason is because of Yu'e Bao's ability to absorb storage.

Many investments are directly transferred from Yu'e Bao's funds.But now the central bank's regulations have allowed Longteng Group to restrict Yu'e Bao.

The current Yu'e Bao has no capital limit.The interest rate is also much higher than that of banks.So since Yu'e Bao went online, many people have saved their money in Yu'e Bao.

In this way, the cheese of the bank is moved.In the past two years, the bank's customer deposits have dropped significantly.The main reason is the various babies launched by the major online payment companies such as Longteng, Baili and Xunfei.

The launch of these babies can be regarded as killing the bank.The people's money is no longer in the bank.Bank deposits will drop sharply, and there will be less funds.

In addition to all kinds of babies, there are also various small loans.For example, Huabei of Longteng Group is simple and convenient.It is much more convenient than the credit cards of major banks, and the amount is not low.

The deposit was taken away, and the loan was taken away.Moreover, Longteng Group also launched a special financial loan for everyone, and the interest rate is not too high.This kind of thing is the cheese of robbing the bank.

This problem can be seen from the situation of banks in the past two years.Although several major banks are still relatively strong.But profits are slipping.

If it is not supported by a large number of mortgages, the income of these big banks is estimated to be even lower.Now that the central bank has issued this notice, it is basically possible to guess who is behind it.

"How to do?"

Ruan Qingshan asked in a low voice.

"What else can I do? Arms can't twist thighs, we are just a private enterprise anyway. We can only accept our fate..."

Zhang Fan sighed, feeling a deep sense of powerlessness in his heart.There are some things that you can't do well if you work hard.There are some things you can't do no matter how hard you try.Because the above paper document can make all your efforts come to an end.

Now, Zhang Fan can finally understand that kind of hardship.But this is National Day, since Longteng Group is in Huaxia, they have to accept their fate.However, the biggest loss from this restriction is the Longteng Group.

In the field of online payment, Longteng Group currently has the largest market share.With such a document now, the biggest loss is still the Longteng Group.

According to the document, Yu'E Bao must reduce the total amount of deposits to avoid risks. At the same time, even Huabei and Borrowing must reduce the total amount.Risk leverage regulations must be complied with.

In this way, the total amount of deposits in Yu'ebao of Longteng Group will definitely be greatly reduced.At the same time, the total amount of funds borrowed by Huabei must also be reduced.The relative profit will naturally decrease.

"It seems like this is the only way to go. In the future, there will probably be more difficulties. Fortunately, Longteng Group is stable at present. Our profitability is also constantly improving, and the taxes we pay are also increasing. The country is still very kind to us. attention."

Ruan Qingshan said seriously.Longteng Group is a star enterprise in China.Huaxia naturally pays attention to such star enterprises.At the same time, Ruan Qingshan can also understand the behavior of the central bank.

In the past few years, online payment has grown wildly in China.The speed is very fast, and this is the spring of Huaxia Network Payment, and the legend of Huaxia Network Payment.

After rising to this height, the country must also consider the risks.Because the funds are too large, if there is a problem with the order, the loss will be huge.

Now the central bank is going to supervise this fund, limit the total amount, and at the same time strictly supervise the use of funds.This not only reduces the risk, but also meets the interests of major banks.

"Xiaofan, if our Longteng Group wants to expand its influence, the most important thing is to go out. Only by truly going out and going international can we increase our own right to speak."

Ruan Qingshan said seriously.Because of Apple's affairs, Longteng Group can only curl up in the country now.Although the capital has been increasing, it still has not gone out.

"It's not easy to go out. To go out, we must show our real strength. Core technology is the competitiveness..."

Zhang Fan said seriously.

"Yes, but now we can take two steps. On the one hand, we can mobilize funds to build our core technology. On the other hand, we can target the market to third countries."

Ruan Qingshan looked at Zhang Fan, Zhang Fan looked at Ruan Qingshan curiously at his words.

"Don't underestimate the third country. The market of the third country is very large. Now many countries in the world are targeting the third country. After all, the third country has a large population. Now the market competition in some developed countries is fierce and the market is saturated. .So the third country is the place that will be contested in the future.”

Ruan Qingshan's words made Zhang Fan nod seriously.Indeed it is.The economy is developing, and the economy of the third country is also developing.With the economic development of those countries, the purchasing power of those countries must be stronger in the future.

At the same time, the population of the third country is also increasing.The market capacity is huge.The most important thing is that for Longteng Group, entering a third country does not require too advanced technology.

For people in those countries, affordability is what they want.Because their income is relatively low, they can't afford your high-end products.

"You put it that way. I think of a country."

Zhang Fan said with a smile.

"that country?"

Ruan Qingshan asked curiously.

"Bate..."

When Zhang Fan uttered these two words, Ruan Qingshan was taken aback for a moment, and then began to think.

"Xiaofan, can you tell me why you chose this place?"

Ruan Qingshan raised his head and asked after a while.This option is good, but there are some serious problems.Especially the transportation cost issue. In fact, the market in Ruan Qingshan's mind is several countries in Southeast Asia that are relatively close to Lanhai City.

"It's very simple. The market is big enough. The population is large enough. The most important thing is that we have a very good relationship with China. Although the transportation cost is a bit high, it depends on human effort. The most important point is that if we develop well in this country, we can increase our political capital..."

Zhang Fan said with a smile, this made Ruan Qingshan nod his head.At this point in the development of Longteng Group, the last point cannot be ignored, and it must be paid attention to in the future.

(End of this chapter)