"But where did Brother Ma have the courage to play this kind of thing? Isn't he afraid of the iron fist of the people?" After understanding what kind of trick Old Ma was playing, Huang He couldn't help but ponder. "Also, although in the future

You can use Qianqianbao to form a closed loop, but if you have money in the early stage, you will need at least billions or even tens of billions of funds to maintain operation. Where did Brother Ma get so much money to support it?"

Huang He immediately understood that Old Ma must have the support of others, but he didn't know who was behind it.

Fortunately, this kind of thing is not difficult to check, because Youqianhua and Money Making Treasure are not companies under the name of the 40 Thieves Group, but products under the name of a company called Mantis Finance.

This company currently has three shareholders, namely Forty Thieves, HSBC, and PCF.

In addition, according to Huang He's investigation, the actual operators of these two software are the Forty Thieves, the one responsible for providing bank-related services and capital loans is HSBC, the one providing support in the financial field, and another large amount of funds is Yingke Fund.

So it is basically certain that this time it was the three companies that worked together, and this is also the most reasonable answer.

After all, the two softwares Youqianhua and Qianqianbao are definitely not products that the Forty Thieves can make by themselves. In fact, if you ask Huang He to do it, Huang He can't do it because it requires strong support from banks and financial institutions.

.

HSBC has assumed this role because HSBC is based in Hong Kong and is subject to much less banking supervision, so it is well-positioned to provide banking service support for these two products.

However, banks alone cannot handle these things, because Youqianhua is essentially a small loan, while Qianchenbao is essentially an investment fund.

The former requires the support of banks, while the latter requires the support of financial institutions, namely Yingke Fund. As for the operation and user traffic of the two softwares, they completely rely on the Forty Thieves.

In addition, because it is located in Hong Kong, it has huge advantages in import and export, and it is indeed convenient for overseas shopping. Therefore, the combination of these three parties is really a perfect match. Huang He could only exclaim this time when he saw it.

The cooperation is perfect.

"It's just that it's very dangerous!" Huang He knocked on the table gently. Before, Huang He thought that Old Ma was asking for his own death by causing overseas shopping.

After using the product, the results are completely different.

At least Lao Ma can do it within a few months... no, I'm afraid within a month, eBay will be completely suppressed by Haigou, and then enter a state of deterioration and survival.

After all, you can buy things for free. Where can you find such a good thing?

So you don’t need to guess, all the user groups of Haigou will be absorbed by Haigou in a short period of time, completely sucking up eBay’s users.

On the other hand, the user group with strong purchasing power is also the user group most likely to use Youqianhua and Qianchenbao.

At this time, if you push the two software Youqianhua and Qianqianbao to the mass market, it is really a very dangerous thing. First of all, at this time, the Chinese people have not developed the habit of advanced consumption and loan consumption. Saving money is almost a matter of time.

It is in the bones of every ordinary Chinese person that it is very difficult for them to consume in advance and pay interest.

In addition, to be honest, in China nowadays, all kinds of information are incomplete, and the probability of defaulting on a loan is extremely high. If you don’t have money to spend, you will just have fun and have no money to spend.

Only these overseas shopping groups are at the level of small wealthy people. They have a lot of spare money on hand and can invest it all in making money. At the same time, their minds are relatively open and they know a lot about the concept of advanced consumption abroad.

, they themselves are not resistant to excessive consumption, and they have a lot of credit cards in their hands.

Therefore, it is natural for them to accept that they have money to spend in advance.

All in all, Lao Ma's move is very good, it perfectly fits the market and user groups, and the development speed will probably be very rapid.

Moreover, Jiangnan Group does not have any countermeasures. Even if Jiangnan Group itself also enters the field of overseas shopping, unless Huang He also uses this method of advanced consumption and uses funds to fight to death, it will really not be able to defeat Lao Ma. After all, this

By that time, this area was already regarded as Lao Ma's base. It would be too difficult to capture this territory.

But it would be very bad if Jiangnan Group did not make any response, because according to China's development trend, there will be more and more well-off families in China, and there will be more and more people who can accept money to spend and make money.

After a few years, Lao Ma's side has completely stabilized the market, and then they will enter large-scale e-commerce websites of all categories with Youqianhua and Qianmingbao. Then Jiangnan Mall will really face a challenge if it fails in the exam.

Just like when OO challenged QQ, the outcome was still unclear.

"However, the risk in competition is only one aspect. The risk on the people's side will be even more terrifying. By then, I am afraid that thousands of people will have to sell their fixed assets every year because they cannot afford to pay back the money, causing them to go bankrupt.

Yeah!" Huang He sighed in his heart.

In fact, Huang He himself has not thought of the tricks of Money Flower and Money Making Treasure. Huang He even has a trick that he hates even more. That is, while Money Flower and Money Making Treasure form a closed cycle, the two products are packaged separately.

If you put these two financial products on the market and sell them, you can get a large amount of cash in a blink of an eye.

Not to mention, if we use this cash as a guarantee for a secondary package sale, we can earn the same amount of cash.

As long as Huang He is shameless enough, he can continue to package them layer by layer like a Russian matryoshka doll, and he can accumulate unimaginable huge amounts of money in his hands.

Don’t ask Huang He how he came up with this routine, because this is how MY Financial Server was played in his previous life. Otherwise, why would the launch of MY Financial Server be urgently stopped?

That's because during the 2008 financial crisis, Americans did this. They packaged debts and loans into financial products for sale, layer by layer. At most, one debt was packaged more than 10 times.

Sale.

And once the debtor is unable to repay these debts, this Russian matryoshka doll will collapse layer by layer, eventually triggering a wave of financial bankruptcy around the world, which is the arrival of the legendary subprime mortgage crisis.

This is how Forty Thieves plays, and the number of layers of matryoshka dolls is also very scary. It is probably that the Forty Thieves are also aware of the huge risks involved. In case of a huge crisis, most of the Huabei will not be returned.

When Huabei starts, then the entire capital chain of Huabei will be broken, followed by the capital chain of Jiebei. The most terrifying thing is that in the end, even the funds of Yu’e Bao will be broken, and then everyone will be finished together, hand in hand.

Jump off the Jin Mao Tower.

In order to avoid this situation, the Forty Thieves wanted to list MY Financial Services, which would not only raise a large amount of funds, but also transfer all risks to investors.

If the market crashes, the losses will be the money of investors and shareholders. What does it have to do with the executives of my company? I just earned a pitiful salary of a few hundred million points.

Therefore, in his previous life, Huang He liked Little Ma more, and disliked Old Ma very much. Because although Little Ma liked to cheat money from children, he did so openly and deceived you willingly, and you were deceived into infamy.

At the same time, Xiao Ma has also invested in many Internet companies and some high-tech companies. Most of the funds in his hands have been invested in specific companies and undertakings. He does not play much in finance and is considered to be promoting China.

's development.

As for Lao Ma, he has various awesome characters, he is a Bodhidharma academy, he doesn’t love money, and he promotes the development of small and micro enterprises and self-employed people, but in fact, the collective profit margin of Chinese enterprises is low.

From a certain perspective, it is a hindrance to industrial upgrading and the real economy.

Ahem, let’s get back to the topic. Although our boss Huang knows more about finance than the current Lao Ma, his conscience tells him not to play like this. And once he plays like this, the core of Jiangnan Group will change, from a science and technology company to a financial company.

company, this is absolutely unacceptable to Huang He.

But if Huang He doesn't play like this, he can only watch Lao Ma Ge and Haigou rise step by step, and finally bring You Qian Hua and Qian Qian Baolai to the final decisive battle with Jiangnan Mall. This is really a disaster.

But Huang He really had no choice at the moment. After much thought, he could only ask Hu Jing to write a letter in his own name and then hand it over to the relevant agencies, explaining the possible risks of this model and reminding them to pay attention to prevention and control.

Regarding this, Huang He was actually very surprised, because such an obviously high-risk thing could be operated and sold normally. This was not the future generation of developed Internet finance.

Later, Huang He understood that although the current Internet finance is underdeveloped, it is precisely because of the underdevelopment that there are almost no regulatory measures and laws and regulations for Internet finance, so they can dance crazily on the edge without worrying about being stopped.

.

After all, people today don’t have Huang He’s 20 years of experience, and now in the U.S. stock market, subprime loans are still the hottest product in the financial market and the greatest financial innovation in the 21st century.

In addition, products like Youqianhua can indeed promote consumption, and consumption has always been one of the troika of economic development. The market and regulatory agencies are also very welcoming to consumption.

Also, the current country does not know much about systemic financial risks. After all, no country in the world has ever experienced the chaos of 2008 and would not pay attention to these.

So the final result can be imagined. Huang He did not receive any reply to his reminder, and nothing happened. On the contrary, Huang He himself seemed to be in trouble.
Chapter completed!