Reborn Entrepreneurial Giant.

Chapter 669 Financial Innovation

Qiancheng Geometry transferred the shares of Honeycomb Energy to Glory and acquired some assets including autonomous driving. An adjustment of this scale will definitely need to be announced to the public.

Many people can't understand Qu Li's thinking behind this, and they can't guess the potential of the battery industry. They can only analyze it from the perspective of cost based on the announcement, because the investment in autonomous driving is difficult to predict, so it can be regarded as mixed.

It is also worth noting that after Honeycomb Energy becomes a wholly-owned subsidiary of Honor, the production capacity problem will be further improved, and Honor announced that it does not rule out the possibility of external supply of power batteries.Not only is it good for Geometry, but it is also good for the entire electric vehicle industry.

"Does Qu Li really want to promote a sustainable energy economy?" Many people speculate on the intention behind Qu Li's doing so, because until now, Qu Li has not made any major mistakes

Some people have also noticed that Great Wall Huaguan is a joint subsidiary of Glory and Qiancheng Geometry. It is similar to the relationship between SAIC and Huayu Automobile. Since it will supply products to the outside world, it means that Qu Li really wants to reduce his peers to enter the pure electric vehicle industry. difficulty.

As a result, Qiancheng Geometry supply chain companies have become the focus of venture capital attention, and these companies are expected to become leaders in various segments of the electric vehicle industry.Quli is profoundly changing the pattern of the entire domestic auto industry.

For example, when Autohome went public at the beginning of the year, if you wanted to leave the company as the founder, he would come over many times to visit Future Geometry.Li Bing, CEO of his colleague Bitauto, also visited several times.

At this time, Ali suddenly announced the acquisition of UC Browser, which has 5 million users in China. The purchase price is estimated to be between 40 billion and 50 billion US dollars, making it the largest acquisition in the country.

The relationship between this acquisition and Glory is that Lei Jun, who invested in UC in 2006, won.Since joining Glory, Lei Jun gave up his investment business and concentrated on managing Glory.This is one of the reasons why he is now in a stable position.

Then another protagonist in this acquisition case, He Xiaopeng, one of the founders of UC, and a few of his friends went to Beijin to visit Quli and inspect the future.

Electric vehicle entrepreneurship has become a new hot spot, not only attracting entrepreneurs, but also attracting a large influx of venture capital.Many hope to break the market structure of traditional fuel vehicles along Quli's direction and become a new auto giant.

There are also some liars who fish in troubled waters, but this has nothing to do with Qu Li, one is willing to fight and the other is willing to suffer, they are all self-inflicted.Just like the current P2P industry in full swing, a large number of venture capital has poured in, allowing some people who wander in the gray area to engage in private housing loan business to launder their money.

At this time, Ali not only invested in the P2P industry, but also set up a company called Zhaocaibao to directly participate in it. Many people in Jumei Financial Services hoped that Qu Li would relax the restrictions.

Qu Li is also very annoying. He has repeatedly emphasized that he will not do P2P, but people keep sending him emails, advising him not to make money and make money, which makes him a little bit unbearable, so he posted on Weibo.

"The P2P industry has inherent defects, especially now that the domestic credit system is not perfect, and it is almost impossible to succeed. There is also a paradox here: under the information intermediary model, the rate of return of about 10% is given to the investor, and the borrower More than 20% of the loan interest, if you really want to be safe and reliable, why not use your own funds, why not take your own risks and be responsible for your own profits and losses?"

"Internet financial innovation is a good thing. Before our investors are fully aware of what high risk is, risk control must be given top priority. Jumei Financial Services Company can do P2P, but it cannot absorb investment from the public!"

Qu Li's words were a bit inexplicable, but Du Jiuming, who had just taken office, knew that there must be an inside story.Fortunately, this is just a small trouble for Du Jiuming.

However, Qu Li didn't want to stop here, and communicated with Lu Qi, starting from P2P, when it comes to credit rating, that is, the personal credit investigation business, which is the responsibility of the People's Bank of China. Apply. It was only in January 2015 that eight domestic institutions were officially allowed to engage in this business.

To some extent, personal credit investigation serves Internet finance, but since Internet giants want to do P2P and online loan business, they must analyze the repayment ability of borrowers. In other words, Ari and Jumei have already started No matter how the name changes, the core is almost the same anyway, it is to get a thorough understanding of your personal situation and evaluate all aspects of (financial security) information.

The project of Jumei is currently in a confidential state, and the headquarter of Jumei is responsible for it. In the future, the opening of personal credit information will be handed over to Jumei Financial Services. Therefore, every time a company innovates a business model, there will be more or less problems.

This is true of Internet finance, Didi Taxi, and homestays. In a sense, China is really a paradise for entrepreneurs. Even the P2P business model can give them opportunities to prove themselves.

Even though Qu Li’s speech on Weibo was very careful, it still sparked a lot of discussion. Compared with Ari’s innovation of actively responding to risks, Jumei seems too conservative.

"It's no wonder that Ahri's Lingqianbao surpassed Jumei's Yu'ebao. Qu Li is too ignorant of financial innovation and seems too conservative..." Some people commented this way, and they don't know whether they really don't understand or pretend to be confused. Qu Li was in Yangcheng in the early days. In the financial circle, he is known as the stock god. Without his success in the financial market, Jumei Glory would not be possible.

After getting a response from Jumei Financial Services, Qu Li liked a Weibo that introduced P2P: "You want to earn his interest, and he wants to earn your principal!" Innovative methods, such as "Phicomm Router"

Although it is said that Qu Li played this game in his previous life, got out of the car safely, and earned a few routers for nothing, it is an indisputable fact that their entire business model is problematic.

Different from the conservative approach to P2P, Jumei Financial Services has done a lot of things in Internet finance. In addition to Yu'ebao, it has also launched various wealth management products and insurance sales, including WeChat channels linked to Jumei Financial Services accounts.

In addition, a fund sales company and an insurance sales company were established, and two items of financial management and insurance were added to the service category.Do not reject the cooperation of domestic funds, securities companies and insurance companies.

Jumei’s Yu’ebao has two channels, Jupay Wallet and WeChat, and finally surpassed Ahri’s Lingqianbao in several key indicators such as the growth rate of new users. It is only a matter of time before it surpasses Ahli in terms of scale.So we jointly launched index funds, various gold/stock ETFs and other passive investment funds with wealth funds.

With Huabei and borrowing, Jumeijinfu at this time is quite healthy.