Chapter 706: "Treasure Pavilion" Virtual Commodity Trading Website
Baiyun Commercial Bank is a bank that is neither big nor small in Guangdong Province.
It is not big because it is a small regional bank and cannot even be compared with the Big Five banks.
It is not small because Baiyun Commercial Bank has more than 80 branches in Guangdong Province, and its business covers the whole of Guangdong Province. Considering the current economic scale of Guangdong Province, it can be said that it is doing quite well.
However, this type of commercial bank faces much greater competitive pressure than the Big Five banks. It is responsible for its own profits and losses and is essentially an investment company, playing the same game as Future Capital and the like.
Lin Shuyi once again appeared in the office of President Luan Qinglin.
"Hey, uncle, what do you think about the thing I told you a few days ago?"
Luan Qinglin had a headache looking at this niece who came to his office every now and then to drink tea .
"Shuyi, this is a serious matter. Why are you helping an outsider to drag your cousin into this?"
Lin Shuyi said confidently: "This is obviously a win-win situation, why would you be dragged into it? Don't you think about it? Cooperating with Mr. Lu is a rare opportunity. I remember that there are several commercial banks in Guangdong Province, all eyeing you covetously."
Luan Qinglin said with an embarrassed look on his face: "It's difficult because they are staring at me. You said that there is no precedent for your case in the whole country - there is no precedent in the whole world. The risk is too high. If it fails, won't my business be divided up by my competitors?"
Throughout history, reformers have generally had no good ending.
It is very likely that you will die if you try.
If you do it well, you are a pioneer; if you don’t do it well, you are a martyr.
This is so exciting.
Banks, on the other hand, pursue stability and are only willing to add icing on the cake, but never want to provide timely assistance.
Lin Shuyi encouraged, "Then think about it this way. If you succeed, won't you be able to make a fortune? By then, you will surpass all your competitors and become the largest commercial bank in the country. Wouldn't that be glorious? If you want to make a breakthrough, you must be brave enough to try. If you shrink back, you will be left behind by your competitors."
“Ah, this…”
It has to be said that the blueprint described by Lin Shuyi was indeed tempting, and Luan Qinglin was very moved.
Seeing that Luan Qinglin was moved, Lin Shuyi quickly said, "Think about it, this is an opportunity to cooperate with Mr. Lu. You know Mr. Lu, right? He has risen strongly in recent years. He hasn't even graduated from college, but he's already worth tens of billions. And from his rise to now, he has been smooth sailing and has never failed. You have to believe in his ability. How about this, I'll ask him to come back and talk to you, and it won't be too late for you to decide then."
Although I am worried about the risks, I have to say that no one can resist the rewards. Luan Qinglin said, "Okay, let's talk about it when we meet."
Lin Shuyi called Lu Yiming. When Lu Yiming heard that a bank was willing to try cooperation, he quickly flew to Baiyun City on a private plane.
In the bank president's office, Lu Yiming met Luan Qinglin.
"Hello, President Luan, I'm Lu Yiming."
Luan Qinglin said enthusiastically: "Mr. Lu, I have heard of your great name for a long time."
Lin Shuyi said to Lu Yiming: "This is my cousin."
“So there is this relationship.”
"Mr. Lu, please take a seat."
Luan Qinglin said, "Mr. Lu, Shuyi told me that you have obtained a financial license and want to cooperate with the bank. I wonder what kind of cooperation you plan to do?"
Lu Yiming said: "I made an online payment control called Alipay. Not long ago I launched a hacker attack and defense activity. Whoever can break through my Alipay defense system can take away the one million yuan prize."
Luan Qinglin smiled and said, "I've heard about this. At the time, everyone in our circle was very shocked. To be honest, with such a high-intensity attack, we are not sure our banking system can withstand it."
When Jack Ma came up with this, it also shocked the industry. Since then, the security of Alipay has been a hit and has been successfully promoted.
Lu Yiming went on to say: "In my plan, the Alipay control will serve as a payment foundation for all my invested companies, and I will also cooperate with other companies. Simply put, the Alipay system will be deeply integrated with all future capital investment companies, especially Luming Mall, QQ and MM. These software have a large user base and often need transfer transactions or cash recharge services. Our cooperation is definitely a mutually beneficial situation."
Alipay security control is just the most inconspicuous and basic function in the Alipay system, so basic that many people in later generations have ignored its existence. In the future, Alipay itself will grow into a towering tree.
Of course, there is no need to tell Luan Qinglin and the others about this.
Hearing that Alipay would be deeply integrated with all companies invested by Future Capital, Luan Qinglin almost agreed directly.
Lu Yiming's Future Capital has invested in a large number of companies, especially Internet companies in Xia Country, which basically have the shadow of Future Capital.
For example, the number of registered users of social software such as QQ has now exceeded 100 million!
Even if each account only recharges one dollar, that would be 100 million yuan!
But to be able to reach the position of president, oftentimes, merit is not the most important thing, the most important thing is to seek stability - not to seek merit, but to avoid mistakes, so Luan Qinglin still did not express his opinion on the spot, but tentatively said: "These are all groundbreaking things."
Lu Yiming smiled and said, "Actually, my Alipay is not the first of its kind. The United States already has a similar Internet financial business, and this company will be listed soon. It is currently valued at $2.8 billion. The company is called PayPal."
Today, PayPal is only used in the Western world and is still a startup, so most people have never heard of it. When Luan Qinglin heard that there were similar companies in the world, he felt relieved for no reason. He always felt that if he took the path that others had already taken, he would have fewer concerns.
"The company will be listed soon, with a valuation of 2.8 billion US dollars? How do you know so clearly?"
Lu Yiming smiled and said, "Because I am the largest shareholder of this company and own 20% of the shares of this company."
After hearing this, Luan Qinglin couldn't help but take a breath.
Is this so-called Alipay already a second-generation product?
If what happened with PayPal is true, then payment software does have great potential!
This is something that has been proven in the Western market!
If we can become the first in Xia Country, then...
Thinking of this, Luan Qinglin couldn't help but feel warm in his heart, as if he saw the grand scene of Baiyun Commercial Bank being invincible and crushing its opponents.
All kinds of thoughts went through his mind, and Luan Qinglin said, "Mr. Lu is the richest man in Asia, and he came here in person today to discuss cooperation with us. I can feel your deep sincerity. I admire you very much, and I feel very honored to be able to cooperate with you."
Luan Qinglin agreed to cooperate. After all, with a successful precedent, the risk is much smaller, and he can also establish a good relationship with a wealthy man like Lu Yiming, so why not?
Lu Yiming stood up and shook hands with Luan Qinglin, saying, "It's a pleasure to work with you."
“It’s been a pleasure working with you.”
After the cooperation was successfully finalized, Lu Yiming was in a very good mood. After this link was completed, all systems could be immediately connected.
Later, Lu Yiming reminded, "I think we can buy some PayPal shares in July. There should be a surprise."
Both Luan Qinglin and Lin Shuyi immediately understood the hidden meaning behind Lu Yiming's words.
Isn't this equivalent to giving kickbacks?
The key is that this money is much cleaner than kickbacks.
Luan Qinglin said to Lin Shuyi: "After meeting today, I realized that Mr. Lu is really particular about doing things. No wonder he became the richest man at such a young age. He really has a vision and is generous."
Lin Shuyi smiled and said, "Of course, how about I cooperate with him?"
Lu Yiming couldn't wait to say: "Then, let's study the details of the cooperation?"
"good."
A week later, the "Zhenbaoge" virtual goods trading website was officially launched.
All registered users can use cash to purchase game accounts, game equipment, game currency and other virtual goods here.
All transactions are supported by the secure environment provided by the Alipay control, and the website also supports the advance payment function, which truly puts both buyers and sellers at ease and completely eliminates the emergence of game scammers.
On this day, Lv Yiping took out his mobile phone, entered the verification code on the computer screen, and then clicked the registration button. Seeing the words "registration successful" appear on the screen, he said to Xiao Qinghe beside him: "Registration is successful, you can open a store here."
As one of the largest studios in "Legend of Mir 2", their "Heping Studio" has a very high reputation in "Legend of Mir 2".
The studio has dozens of professional players who provide services such as helping sponsors upgrade their games, selling top-quality equipment and martial arts secrets, etc., and the revenue is considerable.
The two have always been very cautious and basically only accept offline transactions. They make appointments with buyers in the game, and then meet in person to trade face to face.
But this is too troublesome, and many customers are from other cities or even other provinces. We can't run around everywhere, right?
So when the network attack and defense battle between the virtual mall and the Alipay system ended, and Yixun Technology spent more than a month to finally prove that it had the strength to guarantee the absolute security of bank transfers, Xiao Qinghe and Lu Yiping were moved.
Online transactions are much more convenient than offline transactions, and there is also an auction function. Some top-quality equipment can allow wealthy people from all over the country to compete with each other and bid at a higher price.
Xiao Qinghe said: "If you want to open a store, you need to go to Baiyun Commercial Bank to open an account. If you go to their official website, they said they have launched a special 'Alipay' bank card, which is in cooperation with Alipay."
As the only partner, Baiyun Commercial Bank naturally has the advantage that anyone who wants the Alipay function must open an account at Baiyun Commercial Bank.
If you are not a user of Baiyun Commercial Bank, you cannot bind your bank account to Alipay, and the payment procedure is very cumbersome. You have to go to the bank counter in person to transfer money.
The two went to the nearby Baiyun Commercial Bank branch, only to find it crowded with people coming to open accounts, many of whom were players of "Legend of Mir 2".
In addition to purchasing game equipment, you can now also purchase game point cards in the virtual mall. A 35-yuan point card can be purchased online for only 31.5 yuan, a 10% discount!
In order to save these 3.5 yuan, many people would rather go to Baiyun Commercial Bank and queue for several hours.
Not only the players of "Legend of Mir 2", but also many QQ users came to open accounts, because Yixun Technology provides many paid services, which require recharging every month, and using Alipay to recharge can get a 20% discount!
In the president's office of Baiyun Commercial Bank, Luan Qinglin couldn't help but laugh as he looked at the chat content in the business QQ group.
The newly launched Alipay card is very popular. Although many people apply for the card to handle various services with preferential treatment, they still have to top up the card in order to handle services. With a large base, the amount of money deposited in the bank is of course not small. Not to mention those local tycoon players and studios, who deposited a large sum of money in advance in order to trade in the Treasure Pavilion.
The news spread quickly, and those banks that had turned Lu Yiming away were now regretting their decision.
The number of players of "Legend of Mir 2" is approaching 500,000, and these 500,000 users are able to spend money to play games and are not poor. Most of them are high-quality customers, especially those wealthy players who spend tens of thousands or even hundreds of thousands of dollars to buy equipment, who are big savers.
For a time, various banks came to Lu Yiming and wanted to cooperate with him.
When Lu Yiming was talking to Lin Shuyi on the phone, he said, "These people are all cheap. They ignored me in the beginning, but now I want to make them unable to reach me!"
Hearing Lu Yiming's boastful laughter, Lin Shuyi was speechless.
What does it mean to be petty?
What does it mean to take revenge for every slight?
That's it!
"Then do you still want to cooperate with them?"
Lu Yiming sighed and said, "We must cooperate, but the conditions we agreed to in the beginning have to be lowered. We have to let them know that things are different now."
They all rejected Lu Yiming at the beginning, but now seeing Baiyun Commercial Bank eating meat with big mouthfuls, they want to come and get some free food too. How could such a good thing happen in the world?
All discounts for depositors will be cancelled. It’s up to you whether to do it or not.
Treating things differently is the reward for the first person to try something new.
If future generations are treated the same as previous generations, who would be willing to take the risk?
Baiyun City, Luming Mall Headquarters.
There are still many Internet companies engaged in e-commerce these days. In addition to Alibaba and 8848, there are also Meishang.com, Joyo.com and Ali, as well as a large number of small companies that died before they could make any waves.
With Wang Juntao's joining, Lu Yiming finally found someone who could help him carry the banner of e-commerce.
Today is the official opening day of Luming Mall. After attending the opening ceremony, Lu Yiming patted Wang Juntao on the shoulder and said to him, "Lao Rong, I'll leave Luming Mall to you."
Wang Juntao was complaining about such a dishonest boss, but he also felt relieved.
Although he agreed to join, he still felt sad for founding 8848 and then being kicked out of the decision-making level. Now that he has confirmed that his investor is a hands-off boss, he feels a little relieved.
"Well, I'll do my best."
Then, he said to Lu Yiming: "Mr. Lu, e-commerce is still a new thing, but the main direction of the entire industry has been determined. There are mainly three paths - business to business (B2B), business to customer (B2C), and customer to customer (C2C)."
Lu Yiming has already chosen the model for Luming Mall: B2C.
This is the JD.com of later generations.
Wang Juntao said: "B2C requires heavy asset investment and is very costly. However, the cost of building a logistics system is definitely getting higher and higher. Just buying warehouses in various places costs a lot of money."
Follow Ma's approach and engage in C2C, which is actually the simplest way because it is low-cost and suitable for light-travel.
But Lu Yiming knew that real estate was a big pitfall. If he didn't buy land or property now, when he wanted to buy it in the future, the price would be sky-high.
So Lu Yiming did some calculations in his mind and naturally came to the conclusion - starting B2C now is definitely a business that is sure to make money. In addition to e-commerce, he can also invest in real estate.
"As for investment, there will be returns in the future. If you spend more money now, you will have less worries in the future. You can earn money slowly and get your money back. Besides, the warehouses you bought are all assets, so the money is not wasted. So, I will approve 300 million yuan for you, and you build the framework for me."
Such wealth made Wang Juntao ecstatic, and his entrepreneurial ambition returned.
"Okay, Mr. Lu!"
Lu Yiming was just about to say something when his cell phone rang. He took out his phone and pressed the answer button.
"Hello?"
Jiang Rongfa's urgent voice came from the other end of the phone: "Mr. Lu, an hour ago, the server of "Legend of Mir 2" was hacked. The game has been shut down for maintenance, and the maintenance team is now urgently repairing it."
"Is there such a thing? Let me see."
The game server was hacked, which was new. Lu Yiming directly turned on the office computer. As soon as he logged into QQ, he saw Wang Yubing complaining in the group: "I caught the person. Here is the IP address. Your broken game has too many loopholes. It's only a matter of time before it gets hacked."
The well-known H-trader "Gu Jian" on the Internet has now officially joined Yixun Technology and become the company's chief security expert. He is not only responsible for the network security of Yixun Technology and Luming Mall, but also the firewall of Junzi Interactive Entertainment, which is now managed by his team.
Lu Yiming directly sent a speechless expression: "If you find a loophole, you should fix it."
Wang Yubing said, "I'm busy. I've already found it for them, and I have to find it myself? What's the point of them then?"
He really has no time now.
But it’s not because of the company’s business.
It turned out that just a few days ago, the people from the neighboring small island country had caused trouble again. A group of officials went to visit the toilet, so the H-guys here started a flag-planting campaign again, and Wang Yubing was having a lot of fun now.
Looking at Wang Yubing's arrogant speech in the group, Jiang Rongfa fell silent.
Do all technical experts talk so arrogantly?
