Rebirth 2010: I taught Mr. Lei how to make a mobile phone

Chapter 662: Old Ma's Ambition

"Next time, I'll take it seriously!"

The words were still ringing in my ears, "Yun Feng, you should take a break for a while."

Lao Ma's following words made Zhang Ying's face turn pale instantly and his lips tremble slightly.

She wanted to say that I was wrong, but she knew that once a man said something, it became a fact and there was no turning back.

Zhang Ying clenched his fists, his nails digging deeply into his palms, but he didn't dare to speak again.

The next second, she turned around and left.

"boom!"

The office door was slammed shut, causing the picture frames on the wall to tremble slightly.

The rapid clicking sound of high heels gradually fades away
Lao Ma sighed. Sure enough, women never look for reasons in themselves.
A trivial matter is like a leak in the sky, just a few hundred million can affect your mood.

What a hassle!

Then he took out his cell phone and made a call, "Keep an eye on Zhang Ying and don't let her mess around. If there's any situation, control it first and then report it. That's it!"

Ever since Alibaba grew to a certain scale, Ma saw the upper limit of his wife's potential, which was that of Ma Su.

So he thought of setting up a fund and letting her manage it. Every day she would just look at projects and invest. It didn't matter whether she made a profit or a loss. It was just a matter of spending some money, so nothing should go wrong.

In the end, who would have thought that she would choose to invest in Xiaomi. She invested, but after losing money, she had no composure at all and even went to Lei Jun's house privately and gave him a scolding.

Unexpectedly, what he failed to do was done by Zhang Ying by accident. Although he suffered a loss, for some reason Lao Ma felt secretly happy.

It seems that Yun Feng needs to find another suitable candidate for now. After thinking about it, Li Ying, his subordinate, has been very obedient, so maybe he can let her have a try.

Taking his eyes away from the window, Lao Ma continued to plan his business.

Now the scale of funds of Yu'e Bao has reached 7000 billion, making it the world's largest money market fund and the leader of domestic money market funds.

The annualized yield for 7 days throughout the year is as high as 4.5%. What a concept! If a user deposits 1 yuan, the interest will be yuan a day.

If you deposit one million, the interest alone is 100 yuan a day. If you deposit ten million, it’s 1000 yuan, and the monthly income is 3 yuan.

What about banks? The interest rate for current accounts is only 0.35%, and the daily interest rate for 0.1 yuan is only about yuan.

The income is 8 to 12 times that of banks, and the liquidity is extremely flexible.
If Yu'ebao targets personal assets, then Yu'ebao is backed by online banking, and its user groups are small and micro enterprises and Taobao sellers.

The interest rate is even higher than Yu'e Bao.

There are two other products that are currently undergoing grayscale testing and are expected to be released by the end of the year, namely "Huabei" and "Jiebei".

Those P10P financial platforms on the market that often offer interest rates of over 2% make Lao Ma both jealous and fearful, but he is very clear that behind those high returns is the abyss of a Ponzi scheme.

If he had not received the news at the beginning of the year that Chen Mo had a suggestion that went straight to the top, and he had also read the content, he might have joined the game.

Although these products of Ant Financial are not as good as those of Dongchu, they are more stable. He strictly ordered the Zhaocaibao team to draw a clear line between themselves and P2P and focus on operating compliant financial products such as insurance, funds, bonds and asset-backed schemes (ABS).

This decision now seems wise - recently some smaller high-yield platforms have begun to collapse, and there are signs that the building is about to collapse.

Ant’s current stable and conservative style has become its moat.

"It's better to be safe than sorry." Old Ma narrowed his eyes, as if he had already seen Chen Mo holding a torch, waiting eagerly for any mistake from the ant.

If this mad dog had been allowed to catch the handle and hold on to it, the 2B war on the Internet some time ago would probably have turned into a bloody battle between AB, and the outcome would still be unknown.

So the next most important thing is the finance he planned.

Through high-tech concepts and various endorsements, they eye the melons and dates in the hands of ordinary people, then collect money and run away.

In Ma's eyes, these P2P platforms are nothing more than small fry in the financial arena.

What he is really planning is the foundation for all ages - to build a financial infrastructure empire through Ant!
Massive amounts of funds are only one aspect; what is behind these capitals is what he really values.

He wants to build Ant Financial into an armored vehicle, an armored vehicle filled with powerful elite soldiers, well-equipped with armor and weapons.

Once it is formed, its direction of progress will be unstoppable and unstoppable.
By then, with enough momentum, he can realize his ambition, which is:
Through Yu'ebao, banks are forced to make deposit interest rates market-oriented;

Huabei/Jiebei promotes the popularization of consumer finance;

Blockchain cross-border payments create a global digital financial network;
The ultimate goal is to achieve "basic financial services like water, electricity and coal", and Ant Financial will become part of the global digital economy.

This is what he wanted to achieve. By then, the local army and the dogs will be nothing more than a joke.
Compared with this big event, Zhang Ying's side was just a small matter. Those who achieve big things do not care about small details.

In Lao Ma's eyes, everything is now a trivial matter that can be given way to.
Although Internet finance is the core battlefield, Ma has also deployed heavy troops in other fields:
The first is Kuaishou. Although Bi'an intervened before, the members of Kuaishou's entrepreneurial team have now become their own people. Next, through a new round of financing, Kuaishou will be completely incorporated into the Alibaba system, forming a "content + e-commerce" pincer attack with Taobao Live, and directly blocking Douyin.

On the other hand, Didi now has the largest market share in China's online car-hailing market. Under his and Lao Liu's instructions and secret support, Liu Qing took power and Cheng Wei retreated to the second line.
I had a chat with Pony Ma some time ago. Unlike Chen Mo, he is a man who knows the big picture and knows when to advance and retreat. He agreed to cash out and Tencent’s capital withdrew from Didi.

Since Tencent and Baidu have left the team one after another and can no longer be relied upon, the only way to succeed in the future is to be strong on our own.

It will be difficult for JD.com to threaten Taobao in the short term, but the other side has left a gap in the financial field. Although WeChat only promotes terminal application scenarios and does not pay attention to higher-level funds, it has given itself an opportunity.

What remains is the layout of the moat. Although Meituan Takeout has been losing ground, the basic group buying base that it has maintained by giving concessions is still an important buffer zone against attacks from the other side.

Didi now has the upper hand, at least for now, and has moved back to one city.

Now Xiaomi has become the center of public opinion, which is a good thing, but it will also force Chen Mo to be distracted and deal with it.

At this moment, Lao Ma looks like a national player who is making a sophisticated plan.

Every move is building momentum for the ultimate vision - making Ant the blood of the future digital age and making Alibaba's ecosystem the operating system of the Internet world.

"To make it easy to do business in the world", he has never forgotten his original intention of founding Alibaba.

But he needs to become the biggest evil dragon first!

(End of this chapter)