Xueba Fengyun

Sometimes, being kind to others will only make people think that you are kind and deceitful, so now Liu Miao has learned to be even more rude to unkind people.The person who mocked Liu Miao's father was actually Liu Miao's uncle in terms of age, but he never expected that Liu Miao would mock him so unceremoniously.

The man originally wanted to reprimand Liu Miao for not knowing etiquette, but Liu Miao put down his teacup and said flatly, "Someone insulted my father, so I have no choice but to be rude."

So everyone at the table shut up, and no one would be polite to someone who insulted their parents.After all, respect is mutual. When the other party has stepped on your nose, it would be pedantic for you to be polite to them.

Liu Miao turned to the old man of the Tan family with a polite smile, "Grandpa, I've had my fill, and there are still people waiting for me to go home, so I'll take my leave."

"Of course." The old man of the Tan family nodded, "Yaohua, send your classmate off."

After speaking, Tan Yaohua led Liu Miao out of Tan's restaurant.After Liu Miao's figure disappeared, the face of the old man of the Tan family collapsed, "Can you bear it? Wings grow hard and you don't listen to me, an old guy?"

"Grandpa, the Liu family is something, so it deserves your politeness?" The person who spoke rudely expressed dissatisfaction.

"Hehe, don't you all understand the allies I personally picked for Yaohua?" The old man of the Tan family suddenly felt sad, "Do you know what is the most profitable business behind this kid? It's computers and the Internet. Industry! That kid is the largest shareholder of Pengcheng Penguin Computer Software Co., Ltd., and the main software of that company is QQ! Go and read the newspapers to see how many users, active users and paying users there are. Do the math!"

"Dad, isn't it just a piece of broken software? If you like it, I'll get it for you too." Tan Yaohua's uncle comforted.

"If you figure it out, I'll give you the position of the patriarch immediately!" The old man of the Tan family looked at his ignorant young son with a mocking look, "Forget it, you don't understand the importance of the Internet. How important the world will be in the future, so you can't understand how much this QQ will do to the future network. My Tan family has been in Jiangnan Province for nearly a thousand years, and it seems that it is time to decline. Originally, I wanted to show off Hua catches up with Liu Miao's fate, and continues the momentum of the Tan family for more than a hundred years. When some smart people come out, our Tan family can save a little bit. Forget it, there are too many unworthy people, no wonder the old man!"

After speaking, the old man of the Tan family also got up and left the restaurant, and the rest of the people could only look at each other in blank dismay.

At this time, Tan Yaohua also sent Liu Miao to the gate of Tan's house. Don't look at Tan Yaohua who is extremely arrogant at school, but at home he is as obedient as a quail.What surprised Liu Miao was that Tan Yaohua felt very sorry for what happened to Liu Miao.Seeing Tan Yaohua like this, Liu Miao also felt that don't blame others, don't be polite to Tan Yaohua and then take a taxi and leave Tan's house.

Coming out of the old city, the taxi turned onto the bustling Jiangnan Avenue.At this time, Jiangnan Avenue was not as colorful as later generations, but it was already full of neon lights.Known by the people of Tanzhou as the "Three Masters of Department Stores" - Helios, Pacific Ocean and Wanguo have all set up flagship department stores here, and the flagship department stores of the three are all located at the intersection of Jiangnan Avenue and Friendship Avenue. On the other side is Shengguang Department Store, the first joint venture department store in Jiangnan Province.Although there is no prosperity here, which will be called the No. [-] business district in Central China in the future, the momentum has gradually formed.The flagship stores of the two major supermarket chains, Carnival and Hand in Hand, are also here, as is the flagship store of He Runduo, the number one local supermarket brand in Tanzhou.

When the taxi turns into Friendship Avenue, there are countless specialty stores and boutiques, and the towering office buildings behind it also hint that this will be one of the most expensive sites in China in the future.Going westward along Friendship Avenue for a few intersections is Wenchang Road, and Liu Miao finally returned to her own community.

After paying the bill and getting off the car, Liu Miao suddenly received a mobile phone call from Liu's father.

The reason why Dad Liu called the phone in such a way is that Alibaba Group's biggest rival, eBay, and its joint venture company in China, eBay, have successively launched many promotional measures, which made Taobao, a latecomer, almost powerless to fight back. .Liu Miao seemed to have anticipated this situation, and just smiled and said, "I told you to use the name of opening a store for free, but you didn't want to. This time it's okay? The only way you can attract merchants is to compare your e-commerce. Harbor and eBay are cheaper and safer. If they are cheaper, no matter how cheap they are, they are free, right? How many shopkeepers can flock to one shop for free? And with less so-called shop opening fees, shopkeepers can keep costs down. In this way Your Taobao products can be richer and cheaper, why not do it? As for safer measures, didn’t I say that at the time? The strategy of Alipay should be used early, and there is a credit rating system for both buyers and sellers, and The owner’s guarantee system should also be used.”

"But the company thinks that this will waste money and there is no possibility of future income." Liu's father is a little confused.

"A single Alipay can't satisfy their appetite?" Liu Miao couldn't help but sneer.

Any fool can see that Alipay is simply a savings bank in disguise, because customers' funds will stay here for at least one to fifteen days.As long as the business is big, how huge is the cash flow that resides in Alipay every day?Liu Miao used to know an executive of one of the four major state-owned banks, and he knew very well how profitable internal lending was in the financial industry.Because banks have deposit quota requirements until the end of the year, many bank executives will try their best to ensure that their deposit quota will not be lost by the end of the year.So it is the most stupid to go to the bank for a loan at the end of the year, because the bank will not give you a loan.

What if the deposit limit at a certain branch or branch is not met?That is to find a brother financial institution to borrow money. You put in a deposit, and the loan interest rate is calculated as the daily interest rate, and the high interest rate is scary.The important thing is that it is said that it is good to borrow 1000 million, but the actual payment may only be 950 million, or even 900 million, but the principal and interest rate must be calculated as 1000 million.It is conceivable that by the end of the year, Alipay will be the real mother of many banks in Hangzhou!

More importantly, lending in the financial industry is not at the end of the year, and it is just a piece of cake at the end of the year.The really big case is that when financial institutions make investments, the borrowing amount and interest rate are attractive.Sometimes the seven-day lending rate can be as high as 20%.That is to say, you borrow 1000 million (maybe only pay you 900 million), but you have to pay back 2400 million with interest after seven days.Not to mention that the interest rate is abnormally high, the borrower will even praise you for your kindness, and you will be offered a brother's price.

"If they don't want to do Alipay, you can bypass them and talk directly to Ma Yun, and you two can do it privately." Later Ma Yun did turn Alipay into his private company, so people in Alibaba Although the group does not have many shares, it firmly controls the entire Alibaba Group. "You directly gamble with Softbank and Yahoo on Taobao's business. You will be given one year. If you can't do eBay and EachNet, you will resign as CEO of Taobao and sell [-]% of the original market price. Shares in Alibaba. Likewise, if you do it, you’re going to have SoftBank and Yahoo sell you [-] percent.”

Liu's father was a little silent after listening to Liu Miao's rhetoric, but then he also smiled and said: "Yeah, why don't you take a gamble? The worst time is now. At worst, dad sells out his shares and retires. The two sons can always support me, right?"

Liu Miao also smiled, "Dad, you don't need me and my brother to support you. After you retire, you will have nothing to worry about. Our mother is now an executive of a production company and the queen of the entertainment industry in the future. You can consider becoming You little boy, just let our mother support you!"

"You little bastard! When you come to Dongfang City during the winter vacation, see if I don't interrupt your dog legs." Father Liu scolded with a smile.

"Then I can't keep a dog anymore. How innocent I am, I'll break a leg if I have nothing to do." Liu Miao said poorly.

Father Liu and Liu Miao exchanged a few words, cared about the life and study of their sons, especially Liu Yan's concussion problem, and then hung up the phone.And Liu Miao also moved her body, and walked home from the gate of the community.When she got home, Liu Miao discovered that Zhang Yao was actually at her home, and was busy playing games in front of the TV.And Liu Yan was reviewing homework on the desk, and the bedroom was almost full of various snack packaging bags left by Zhang Yao. "Why are you here? Also, making such a mess?"

"Why can't I be here? I called home and said, it's up to you tonight." Zhang Yao continued to play the game without looking back, "As for those rubbish, I will deal with them later. Cleaned up."

"Are you back? How is Tan Yaohua's house?" Liu Yan also looked back and asked.

"What else can I do, that's it." Liu Miao shrugged and said, "Brother, don't you think that you are No. 1 after studying so hard, but Zhang Yao is No. 1 just by playing casually, isn't it fair? "

"How can there be so much fairness in this world?" Liu Yan said nonchalantly, "It's Zhang Yao's ability to return No.1 like this. I don't have his ability, so I have to obediently read the book and do the questions. "

"Then don't you think it's unfair?" Liu Miao suddenly felt that his brother was really working hard, and he was a bit abused.

"Unfair?" Zhang Yao over there sneered, "Miaomiao, you should reflect on yourself! Take a look at the "Mirror Lake" you made, tsk tsk, it only took two days to let all the readers in Tanzhou Middle school is crazy, everyone is borrowing this magazine and reading it. Even the university town in Hexi is spreading your legend! Your "Sherlock Holmes Collection" has burned the brains of many boys, and that "The Melancholy of Haruhi Suzumiya" made a group of hormonally burning men look young. Not only that, but your upcoming book "Youth" is even more exciting. But you are still the tenth in the experimental class , is this fair?"

"Yes, if I care about fairness and unfairness, I will strangle you first." Liu Yan took out his pen and pointed at Liu Miao.

"However, you are not the only one in our experimental class. Yang Rui, the other one who is tied for first place, tsk tsk." Zhang Yao shook his head, "They actually set up an independent biological laboratory, which is almost at the national level. The money was spent Yo!"