"How old are you?"

Li Jiahao asked again uncertainly.

"21."

"I don't think so."

He didn't believe it. "Like 51, you came to Lijiapo for two days, and you didn't go to the bar at night and went out to sea during the day. When I asked you about racing, your subordinates told me that you don't even own a supercar.

All you do all day is deal with work documents at the company and accompany a few old guys on inspections of the industrial park. You don’t even like the supermodel given to you for entertainment, so are you going to give you a world beauty pageant champion?

I think it is a good idea for the Ministry of Trade and Industry to invite you to be the Minister. You are upright and refuse to be corrupted. You are capable and dedicated to your duties. The economy will take off several years ahead of schedule."

"There are beauties? How come I didn't know? Hey, are you looking for my security assistant? This Zhang Tao is really stupid.

Next time you have such a good thing, you can come to me directly. I have been working continuously for the past two days and I want to relax. I don’t know if there is a place to wash feet in Lijiapo. I haven’t tried it yet. ”

Facing the complaints, Li Zehua smiled and pointed towards the conference room:
"As for my contribution to the economic development of Lijiapo, you think too highly of me. The current minister and the former minister are both included. Why don't you mention it in person?"

"You think I don't dare?"

As soon as Li Jiahao finished speaking, the door showed signs of opening, which frightened him so much that he immediately shut up and made Li Zehua laugh.

"What are you talking about? Are you so happy?"

Speak of the devil, here comes Lin Xunren from the Ministry of Trade and Industry who happened to come out of the meeting room.

Li Zehua mentioned this jokingly, but Lin Xunren didn't mind at all, "No problem, with Mr. Li's talent, as long as he is willing to become a naturalized citizen, he will be able to reach my position in no time.

If Mr. Li feels it is inconvenient for him to come forward, I can handle all matters related to naturalization on his behalf.”

"Thank you for your kindness, but I dare not trouble Mr. Lin."

Li Zehua shook his head and refused directly, then smiled and said, "The main problem is me. I can't even recognize all the English letters. I can't even pass the preliminary examination for the civil service examination. I'm afraid I won't have a chance in this life."

Lin Xunren smiled, said a few words of regret, and then invited him into the meeting room.

The conference room is large and there are not many people, but all of them are of prominent status.

Including the CEOs of Lijiapo’s three major investment funds, several core ministers, as well as OCBC Bank’s Lin Wei Yao, Great Eastern Insurance’s Li Yuqing, and United Overseas Bank’s Huang Yizhong.

In the first half of the meeting, Li Zehua, on behalf of Qingyun Group, proposed the overall layout strategy of mobile Internet in the Southeast Asian market.

Subsequently, a secret internal consultation was held, and when Li Zehua returned to the meeting room again.

Temasek's Global CEO and Chief Executive Officer Ho Ching first raised two issues of interest exchange that cannot be avoided.

“…In order to gain understanding and support from friendly businesses, Wilmar International will become a shareholder of Qingyun Agricultural Services Company.

Development, Overseas Chinese Bank, Dahua Bank, together with Great Eastern, want to become shareholders of WeChat Technology and Micropayment in China.

The two groups need to sell no less than 34% of their shares.

If you agree, we can move on to the next step.”

Agriculture, finance, and information exchange, right from the start, they grasped the core lifeline of Qingyun Group.

Li Zehua was not surprised. It was even better than he had originally imagined. He thought Qingyun Electronic Technology would become a bargaining chip in the transaction.

Little did people know that after careful analysis, people have always believed that Qingyun Electronics, which owns Panda, Honor, Roewe Electronics, and Dajiang Technology, has no core competitiveness.

Core elements including mobile phone chips and operating systems are all in the hands of European and American capital, so Qingyun Group has almost no chance of breaking through.

On the contrary, Qingyun has a great chance of success in the fields of agriculture, mobile Internet instant messaging software and Internet financial enterprises that are completely dependent on the mainland.

After all, micropayment relies on the Pinxixi platform and JD.com Group, and the number of active users accounts for 35% of the domestic online shopping market. At the very least, it can reach half of the payment guarantee.

The conditions they proposed were not limited to this, but also included controlling rights of Meituan Fengniao, Pinxixi International, Southeast Asia WeChat Technology, and micropayment business.

But these are harmless and are within the group's expectations?
"First, a 34% stake in WeChat Technology is almost impossible."

With the evidence, Li Zehua refuted each point:
"Unlike here, the mobile Internet wave has not yet arrived, and Facebook and Vita haven't taken it seriously yet. By taking advantage of this time difference, WeChat Technology has a certain chance of success.

But in China, I would like to ask what practical help you can provide to resist the all-out attack from the Tengda Group?
The importance of controlling public opinion cannot be overemphasized. What you can see, Chaozhou Porridge can also see, is an Internet giant with a market value of more than 2700 billion Hong Kong dollars.

The forces behind it will never sit idly by. To be honest, I don’t think anyone here is capable of handling this matter well…”

He Jing nodded without denying, motioning for him to continue.

Ask for a high price but pay it back when it comes down to it. Everyone knows that.

“As for micropayments, you should all know that last year, the licensing terms for non-financial Internet companies were introduced, and it was based on this that Ali and Yahoo caused a controversy over the transfer of equity.

To this day, this farce has not been completely settled. You might as well think about it. Micropayment, a company with state-owned capital led by Bank of China and Industrial and Commercial Bank of China, has given up 34% of its shares to you.

What will the final result look like?
I'm afraid that before the competition with Payment Insurance even starts, we will have to face continuous and strict internal scrutiny. I don't even know how to explain it to Yanjing.

Of course, I am willing to work with you in a responsible manner to actively promote the preparation and establishment of the only cooperative bank for micropayments.

The banks that have confirmed their participation in the plan include Bank of China, Industrial and Commercial Bank of China, Pudong Development Bank, Shenzhen Development Bank, and Postal Savings Bank of China. If you add your strength, I believe we will be able to achieve this in the near future.

This policy bank, which is entirely dedicated to the development of micropayments, will satisfy everyone with its shareholder seats.

Through this bank, you will also enjoy the convenience and benefits brought by the development of micropayments.

Of course, in return, Qingyun Group requires that it occupy a key position when a similar financial institution is established in Southeast Asia in the near future.”

After a while of talking to each other, they felt that it was not unacceptable. After all, the development of WeChat technology in the mainland depended entirely on the attitude of the mainland's top leaders.

No major country will sit idly by and watch the loss of its control over public opinion on the mobile Internet. Being able to obtain shares in the financial banks behind micropayments is sufficient to protect their interests.

This bank, which is still under preparation, theoretically does not have any branches, is purely online and does not provide any specific services. Its main function is to provide micropayments with a subject for conducting business.

To put it simply, it is used for reconciliation with major banks. In this regard, Micropayment has gone further than Alipay and Tenpay in history.

Because a micropayment account is essentially no different from an online banking account. It is a unique account that is linked to personal information.

When the money is transferred from WeChat balance to Yu'e Bao, it already belongs to the deposit of the target bank, but the specific distribution details have not yet been negotiated.

Li Zehua would rather give up some of his interests in order to gain more initiative, and is even planning to cancel inter-bank fees and cash withdrawal fees, and only charge a certain amount of service fees.

The bank hasn't agreed yet, but it will agree sooner or later in the future. Because if they can't reach an agreement, the amount in Yu'e Bao and WeChat wallet will not belong to the bank.

They will judge for themselves what is more important.

They collect tens of billions of fees from Weipay every year (including merchant transaction service fees and withdrawal fees), and watch Weipay use this money to make hundreds of billions of dollars.

It is more important to waive most of the fees and gain control over funds through market competition.

Li Zehua had no intention of taking the money in Yu'e Bao. It doesn't matter who the money belongs to, as long as it is obtained in a legal and compliant manner.

He is only responsible for collecting business service fees and ensuring the absolute safety of funds in micropayments and Yu'ebao. He also collects advertising fees for insurance, financial management, futures channels and other products, and takes commissions...

The CEO of Lijiaopo Sovereign Investment Fund was not satisfied with the result and wanted to continue testing the waters, but was bluntly rebuked by Li Zehua.

“If Jay Chou feels that he can influence the strategic national policy of the University of Tokyo, then just ignore what I said.

If not, who will be responsible for the huge loss of profits compared to Tengda’s market value in the future?”

"But who will protect our interests?" Li Yuqing of Great Eastern said with a smile, "If Mr. Li is willing to show a little sincerity, I believe that everyone here will not continue to hold on to it."

Li Zehua felt something was wrong. "For example?"

"Great Eastern owns several life insurance companies in the mainland, and we have a very good cooperation foundation in Chongqing, Shanghai, Shanghai, and Shenzhen.

Since Mr. Li was able to propose a development plan for the insurance business in the Southeast Asian market and achieve near-monopoly expansion in three to five years, he must also have extraordinary and unique insights into the mainland market.

Since there are infinite benefits involved, why doesn’t Mr. Li take the lead in setting up an insurance business company of our own?
We can provide the funds, connections, and policy lobbying. All we need to do is follow Mr. Li’s plan and reach a trillion in five years.”

Lin Weiyao then said: "OCBC Bank can provide strong support in Fujian, Guangdong and other places."

Lin Xunren also expressed his support:
"The Lijiapo government can provide conditions including training semiconductor talents, providing non-sensitive patent transfers, and purchasing non-core prohibited equipment on behalf of the university in exchange for the university's understanding and access."

Li Zehua was a little confused. How could he not know what pitfalls there were in the Internet insurance industry?
Compared with foreign countries, the domestic insurance industry also uses the same tricks, almost all of which rely on policy enforcement or the personal connections of insurance practitioners themselves to conduct sales through acquaintances.

But once it is combined with mobile Internet finance, yes, you read that right, mobile Internet financial insurance, it can grow rapidly in a hundred ways.

The simplest and most brutal one is that insurance companies sell financial products by packaging them through a series of means and then sell them. It doesn’t matter whether they make money or not. The key is to increase sales.

Insurance companies in the mobile Internet era do not have to consider the issue of real profit and loss at all. How big their business can be in the end depends entirely on how big their appetite is.

Before the country reacts, they use the snowball model, package their performance, and attract investors to participate, so that they can expand with unlimited mortgages.

If it were not prohibited by law, Internet insurance businesses would even offer conditions beyond the imagination of normal people, such as fat insurance that only appears in movies, where I will give you 10,000 yuan if you lose one kilogram.

Are you excited?
Why don’t you buy it quickly? Anyway, you are after future gains and I am after your principal. As for the future?
If you can make 100 billion a year, who cares about the future?

That's roughly what it means. Because the company is targeting consumers across the country, the cost of acquiring customers is greatly reduced, and many products that seem to have particularly advantages can be sold as soon as possible.

Then they use the impressive data to frantically raise funds from the market, and then offer more advantageous products, emptying everyone's pockets little by little.

Have you ever seen insurance financial management?
We'll offer you an annual return of 15 or 25 points, and it's guaranteed by a big company. What are you still hesitating about?
Hurry up and contribute your money so that we can all get rich together!

As for the destination of the raised funds, it is what Li Zehua said, to raise the overall valuation of various industries in the market, and to frantically buy up various high-quality assets at super-high prices far exceeding those of peers.

Then they used the pass the parcel method (passing the parcel between the left and right hands) to inflate the bubble little by little. On the surface, everyone was making money and resources originally worth 100 million were transformed into 10 billion.

The added value of 99 billion is just a simple numbers game. The buyer and seller are basically stakeholders. The loss is nothing more than a small transaction fee, which is insignificant compared to the gains.

If a real fool comes in to take over the shares during the process, then sell them and recover the funds; if not, then package them up and throw them into the financial market to continue financing and cashing out, which is a slower process and takes time to realize.

The best thing is to simply package it up and list it on the market for everyone to pay for it. It doesn’t matter if you don’t have money to buy it. At this time, various Internet financial institutions will emerge like mushrooms after a rain. Anyway, their money also comes from financing.

These are all no-cost businesses. It depends on who has the loudest voice to scare people. We are not afraid that you will not lend money, but we are afraid that you will borrow too little. As long as you are willing to invest in the financial market to take over, you will be trapped for the rest of your life.

In theory, it is equivalent to you giving money to others to do business (buy funds, stocks, financial management, and deposits), and now that you see that they are making money (financing products), you also want to get rich.

But people say that there are tens of millions of shareholders. Who are you to deserve dividends?
If you want to make money, that’s fine. Just use the money to buy a spot.

What can ordinary people do?
Either you empty out your last savings and invest it, or you borrow some money from the market and invest it, dreaming of getting rich quickly, but in reality, you have to take on your own responsibility.

No, it's worse than this!
By the time you realize that finance is a loan sharking game, it's already too late.

You used the borrowed 100 yuan to buy assets that were originally worth only yuan, but were artificially wrapped in countless layers of beautiful packaging and falsely labeled as million yuan (including houses, stocks, etc.).

When there are enough such buyers, and when ordinary people also want to get a piece of the pie and are able to buy it, the bubble will get out of control and explode with a bang.

No one is immune, and the national carnival is bound to make everyone bear the cruel consequences together.

The manipulator and the white gloves have already fled, leaving you in despair, with 10 in debt and 1 in assets (which cannot be sold due to lack of liquidity), crying without tears.

The real debt of 9 is the value of your surplus labor in the next few years. Work hard to pay off the debt.

But if there are too many people like this, it will lead to bad consequences. For example, like Li Zehua in his previous life, he was in debt of over 13 million yuan and could not make a comeback in this life by relying on normal labor.

I can only lie down and wait for death in despair, sleep in the park or under the bridge, and numb myself with a little bit of pitiful alcohol. When I open my eyes, I feel endless regret.

It's a pity that Mao was useless. He was just greedy and killed himself.

In this life, Li Zehua was very restrained. Whenever he wanted to do something reckless, he would be the one to escape before Xu Daizi.

Therefore, he has to use industry as his bones and high technology as his skin, shoulder the livelihoods of hundreds of millions of people, increase his influence out of thin air, and exchange for a ticket to the top of the pyramid.

To put it bluntly, his layout in Southeast Asia means that he feels that he is strong enough and has reached the stage where he can make chess moves and operate the white gloves to work hard on the stage.

When the incident happened, except for Micropayment and WeChat Technology, the two core vests could not be moved. Other companies either closed down or arranged for the actual controllers to feed the fish in the sea and announced to the outside world that they had run away.

In short, you get the benefits and let others take the blame.

He can use white gloves to do this abroad, but does he dare to do it in China?

What's more, there are legitimate ways to make money, so only a crazy person would take risks and resort to crooked means.

Now Li Yuqing proposed to develop Internet insurance business in China together. It is obvious that he wants to make him a scapegoat!

Li Zehua couldn't bear it and even had the urge to overturn the table.

Damn it, I've worked so hard to get to where I am today, and finally I've become successful and famous and worth hundreds of billions, and you want me to come out and lie to you?

When the truth comes out, I'll run away or even go to hell, and you'll just sit back and reap the benefits?

Dreaming.

“I’m really sorry, Qingyun Group has such a huge mess that I’m already overwhelmed. What’s more, I’m still young and inexperienced. If something goes wrong, I’ll be so embarrassed to delay your wealth.

But since everyone has this intention, I can't refuse."

Li Yuqing decisively seized the turning point in his words and said, "I know that Mr. Li is a true friend. Since you agree, then it's settled."

"Hehe, did you guys misunderstand what I said?"

Li Zehua knocked on the table without fear of the other party's eyes, and said word by word: "What I mean is that although I can't come forward, I can recommend a few young talents to come forward to manage it.

For example, I think Li Jiahao and Lin He outside are pretty good. Mr. Li and Mr. Lin, please don't be angry. I am just speaking based on the facts.

Everyone knows that I mainly stay in the mainland and don’t have time to travel to Southeast Asia for a long time. Since the plan is to be implemented in Southeast Asia first, I believe these two will also be involved.

They have accumulated experience, and with the help of a mature team in the future, they will be able to do this in the mainland easily and quickly, and may be able to raise hundreds of billions more. "

I thought to myself, you are dreaming. I will write a detailed report and submit it later. If you dare to come to our country to play dirty tricks and harm our own people, I will break your legs.

Li Yuqing suppressed his anger and asked, "What if I insist on asking Director Li to personally host the event?"

"Then let's break up and no one will play with us."

Li Zehua sneered, "Great Eastern is powerful here, but it's wishful thinking to think that we can make a difference in the mainland. At worst, I won't do WeChat or micropayment anymore, and no one else can play with it."

He Jing still had a smile on her face. "What if Temasek withdraws its investment from Tsing Yun?"

"Oh, so it turns out that the CEO wanted to deal with me. No wonder Mr. Li on the other side refused to give in."

Li Zehua couldn't help but sneer, "But the CEO seems to be a little slow. Even if Qingyun's businesses face capital withdrawal midway, they can still survive with their current profitability."

Huang Yizong of UOB, who had not spoken, finally spoke up, and his one strike was the fatal blow: "What if American Squid Capital joins in?"

Li Zehua was shocked and finally showed a surprised look, "You can try." (End of this chapter)