Chapter 333: A dead Taoist friend is not a poor Taoist
“Now I officially announce that the Shunfeng Group’s financial working group has been officially established!”
“I am the leader!”
“ Wang Qi is appointed as deputy team leader”
“Zheng Xiaotong is appointed as secretary-general”
"Meng Junhui is appointed as chief technology officer!"
Wei Xiao announced the appointment impassionedly, which made Zheng Xiaotong a little excited and wanted to applaud unconsciously.
But when she saw that the big guys on the left and right were silent, she held back.
Think carefully.
That’s not right.
Did the little boss draw another big pie in the wind and clouds?
Okay!
There are four people in the technical working group, each of whom is a leader.
It sounds bluffing at first, but in fact it is useless.
Since it was a secret working group, she couldn't even put the title of secretary-general on her business card.
Wang Qi was unmoved because he himself was the leader of Downwind Investment.
This false title is really not important to him.
He wanted to know how mature the little boss’s cake was.
"Mr. Wei, do you have an overall idea?"
Wei Xiao waved his hand modestly: "It's not very specific at the moment. This requires everyone to work together."
"What are your thoughts?"
"This is a project independent of the overall business, so the resources we can mobilize are very few."
"How many?"
Wei Xiao pinched out a handful with her index finger and thumb: "So little. I will use my private money and the company's small amount of idle funds to achieve less than ten small goals. This is our entire family fortune. . ”
Startup capital is a must.
Under normal circumstances, she has no worries about not having money.
The key is that now is unusual.
If you want to draw money from Shunfeng, you can draw some money in.
But it will be eye-catching.
When Shen Xin and the others ask, they won't be able to hold it back anymore.
Because she knows.
When the whole company is clamoring for innovation, spending your own money to engage in side business will definitely not be supported.
Just thinking about it makes me feel like fate is playing tricks on people.
When I shouted the slogan "Innovation has no limits", not many people supported it, so I had to bear the burden and move forward.
Now I want to turn around and pursue high profits, while others are running to innovate without limits.
The bullet finally hit him between the eyebrows.
So now Wei Xiao can only collect money quietly, and the top ten small goals are really not too small, it is enough to do something.
But when Wang Qi heard this number, he frowned slightly: "Ten..."
"Too few?" Wei Xiao said warily.
“It’s not that I dislike too few. Since we want to engage in finance, the more the better. Ten is really not enough.”
Wang Qi has been dealing with finance for half his life.
This business is a money-making business.
The amount involved in any fund-raising fraud is dozens of small targets.
Ten is not too many.
After hearing this, Wei Xiao immediately started pua: "We are engaged in finance, not charity, how can we use our own money to engage in finance?"
"What do you mean?" Wang Qi felt that the little boss was hiding something big and was always good at tempting.
“I have one billion on hand, right?”
Wei Xiao picked up a date in the fruit plate, which represented one billion in capital.
"I will lend you these one billion yuan, Lao Wang, and you will pay twenty points of interest."
After saying that, Wei Xiao grabbed two melon seeds and put them on the On my own side.
Then take out a preserved fruit to represent the IOU.
"In this case, I have one billion in IOUs and two hundred million in interest."
Zheng Xiaotong pursed his lips: "No, little boss, what you said is wrong." Ten points, it is the annual interest rate. Although it is high, it is equal to our annual interest rate. It only earns 200 million per year. I feel that if the one billion is put into other projects of the company, it will earn more."
"Good point! The problem now is to lend out the one billion in principal. "We have to wait for a year."
Wei Xiao picked up the preserved fruit.
"This is an IOU of 1.2 billion. I sold it to Lao Meng, but I only want 1.1 billion."
There is only one date and one melon seed left in front of Wei Xiao, representing 1.1 billion .
"In this way, does the time period become shorter?"
Zheng Xiaotong's cerebellum shrank a little, and it took about half a minute to become clear.
The little boss released the principal and recovered the interest.
Then he sold the debt at a low price and recovered the principal.
In doing so, it indeed shortens the flow cycle of funds.
Wei Xiao saw that everyone was keeping up with the rhythm, holding a date and a melon seed in their hands.
“If you put these eleven hundred million in the same way again, it will be another ten points of interest, over and over again...”
“Understood.” Wang Qi said from the first time I understand. "You mean using leverage?"
"My opponent, if you operate it properly, it shouldn't be difficult to leverage 1 billion to 10 billion in a short period of time."
Wang Qi nodded.
This model proposed by Xiaobo is essentially ABS asset bondization.
She only paid out a principal amount of one billion, but received interest on a capital amount of 10 billion.
According to ten calculations, it is also a profit of one billion.
It can be doubled in a short time.
But there is no such thing as a sure-fire business in this world.
As long as similar leverage is used, risks must exist.
Otherwise everyone would just lend money.
The problem with this financial model is that there are too many participating financial institutions and the amount of funds is large.
Any problem in any link will be magnified into a larger problem due to the existence of leverage.
Wang Qi said thoughtfully: "It is not difficult to lend in this way, but how to avoid risks? Once the amount is less than 100 million, leverage will also leverage more bad debts, which will lead to systemic risks."
“Oh my god, I’m so scared if you think about it carefully.” Zheng Xiaotong realized it later.
But Wei Xiao was not panicked at all: "It's scary to think about it. You don't even have to think about it. The risk is definitely there, and there is a high probability that it will happen."
"Then how to solve this problem? ?" Wang Qi looked at the little boss expectantly, thinking that if he could solve this problem, the little boss would be a financial genius.
"I won't solve it."
"????"
Wei Xiao explained: "This dangerous method must not be done in the local currency market. If we want to do it, we must do it in foreign currencies." Playing in the market, a dead Taoist friend is not a poor Taoist."
"Hiss..."
Wang Qi thought about it carefully and picked out a 6.
Don't say it.
The little boss finally started to act like a capitalist.
Although she did not solve the problem, she escaped the problem perfectly.
Wei Xiao has even chosen the market: "Looking at the world, where is the most liquid place? U.S. dollars! We will use U.S. dollars!"
"What we have in hand are all local currencies. Assets, where can I get so many dollars?”
Wei Xiao chuckled: "Don't forget, the big dog investors are our strategic partners with Shunfeng."
Wei Xiao will not be able to take out the US dollar assets for a while. But the big dog owners have so many dollars in their pockets that they can’t even spend them all.
Wei Xiao can completely replace it with Shunfeng's assets and easily exchange for foreign exchange.
Wang Qi raised his hand again and said: "The U.S. dollar is indeed a good market, but if you go there, the difficulty will also come. Domestically, we can use the influence of tailwinds as endorsement, which itself is credit Guarantee.”
Hearing this, Wei Xiao had 10,000 rejections written on his face: "You can't pull it off, this kind of business can't be done smoothly, and it's easy to lose character."
"That's right, we have no credibility. Endorsement, how to leverage?"
"This is the most critical step, we have to build our own credit system."
Finished.
Wei Xiao looked at Meng Junhui.
He is the most important member of the entire dragon-slaying team.
“Since it is the U.S. dollar market, our customer groups have to make some refined selections.”
“The U.S. dollar market has developed early and the system is mature. We cannot touch the tricks of big banks. . ”
“In the 28/20 rule, we will take advantage of the 80%.”
The so-called 28/20 rule means that 20% of the people control 80% of the assets.
In the U.S. dollar market, this phenomenon is unbreakable and even higher.
Wei Xiao continued: "I want the 80% of customers, student parties, freelance workers, and all the people who are wandering outside the credit system."
"We use them as the basis, since Build a credit system. "
"They are the ones who need the most money, but they are also the hardest to get loans."
"The demand must be huge."
< br>
Wang Qi did not deny this: "This is true, but what about the credit system? There is a reason why they can't get loans."
"This is what Brother Meng takes action."
Meng Junhui is taciturn and has been listening to them setting up the dragon gate array to eat melons.
As I was eating, the melon ended up on my head.
"Little boss, I don't have to say a word. It's all Mr. Wang who is questioning you. Why are you putting the blame on me?"
"I'm not passing the buck, I'm giving you a difficult task."
"What?"
"I need an algorithm, a credit algorithm, can you handle it?"
Meng Junhui: "How big is the sample?"
"Not big, because the scale we are leveraging is not very large."
Meng Junhui thought it was such a big deal, so he originally wanted to hide away.
After hearing that it was just a credit algorithm, I was half relieved.
He has been working on logistics algorithms in Shunfeng. It is a market with a population of more than one billion and the number of parameters in each dimension is staggering. He has also succeeded in doing it.
If it is just a single data use for a small sample, he really doesn't think there is any difficulty.
“You can try it, but there is no guarantee.”
Wei Xiao became more and more enthusiastic as he spoke: "Okay, now that we have the algorithm, we need to cultivate users' consumption habits and provide data for Brother Meng."
"This is relatively simple."
"Build an online payment software and use this to cultivate and investigate users' habits."
"You will soon have huge data and acquire customers at the same time."
" No, no, no!" Wang Qi immediately found the loophole. "What you said is a bit simple. Unless we are in urgent need, how can we attract customers?"
The mindset in the U.S. dollar market has not changed yet.
Their acceptance of online payments is less than 1%.
Writing a payment app is very simple, it only takes a Shunfeng programmer a day's work.
The key is how to use it and let others use it?
And this project cannot use Shunfeng’s golden signature, it is equivalent to starting from 0.
"Hey, this is about our customers, the 80-20 rule!"
"The 80% of low-net-worth customers have a clear characteristic - they love petty gains."
" Then kick the lame man's leg hard . ”
“Make it a currency software with strong social attributes.”
“Send more red envelopes, engage in more new activities, turn the lottery and bargain, and use all the tricks. .”
"After this set of operations, one to two million users will be enough for us to use."
Watching the little boss scolding Fang Qiu, Wang Qi suddenly felt a little dazed.
Female version of Chen Chen! ?
Don't say it, really don't say it.
The way the little boss digs holes to bury people is quite a bit like Mr. Chen.
If I hadn't dealt with Mr. Chen before, I wouldn't have thought of such a damaging move.
The key is, this thing really works.
If a small boss wants to leverage 10 to 20 million users, that may be a big deal.
But it’s really not difficult to gain one or two million users.
Out of a population of 400 million, one or two million users with poor consumption habits will be fooled if they are not protected.
As long as they are fooled, the one billion principal can be turned around.
Wang Qi turned around and took a look with the other two, and felt that this deputy team leader seemed worthy.
“But!”
Just when everyone was about to regain their morale, Wei Xiao coughed.
“These are ideal conditions.”
"There are still difficulties in implementing this plan."
"I estimate that the biggest difficulty is still in access to the financial market."
"We have to put aside all relationships and start from 0 Starting to stand in the US dollar market, I am afraid that I will not be able to stand firmly."
Wei Xiao thought about it all night, but there was only this hole left to fill.
And she has no ability to make up for it.
But the worries are not the same.
Wei Xiao’s biggest artificial difficulty is just superficial in Wang Qi’s view.
He said confidently: "Leave this to me, I have connections and can get us endorsements."
"Are you sure? What I want is the endorsement of the U.S. dollar market."< br>
Wang Qi nodded: "Of course, I have a few capable entrepreneur friends who can definitely do this."
"Who is it?"
"This will be kept secret for now, little boss, just watch my performance."
Wang Qi took it very seriously.
In the past, he really had no choice.
Available now.
ARD is already the mainstay of the North American drone market, and Zhou Xu definitely has enough connections.
Relying on Zhou Xu’s face is more than enough to get through banks and regulatory agencies.
But Mr. Chen didn't want the little boss to know about Zhou Xu, so Wang Qi could only keep it a secret.
When Wei Xiao saw Wang Qi being so confident, he immediately stopped laughing: "So, there is no problem at all, do it or not!"
Wang Qi raised his hand in agreement, and Meng Junhui did not any sense.
Zheng Xiaotong also boarded this kind of pirate ship, and she had a new understanding of the little boss.
The former small boss had something, which was the material for doing business.
But more of it is inherited from my father, who is strict and without any mistakes.
And now the little boss is a little more evil.
This idea of using leverage to harvest the United States was something that the former President Wei could not come up with.
Where did she learn it?
(End of this chapter)