Chapter 798 Invisible Undercurrent

Chapter 798 Invisible Undercurrent

A film and television company in Huajing.

Yang Dan laughed triumphantly as he watched the news on the computer: "Haha, let's see what you can do! You stole my woman and poached my men. This time I will ruin your reputation!"

"Knock knock." Just as he was laughing, the secretary knocked on the door and walked in.

"Mr. Yang, Mr. Huang called to discuss our cooperation with Chinese Film and Television again."

"What a bullshit cooperation! They are just acquiring me. Huang Youde, this ungrateful guy, actually helped others to deal with me." When Yang Dan heard the news, his good mood disappeared instantly.

"But...but..."

"But what? Stop hesitating. Is there something blocking your mouth? I don't think I'm treating you as a fire extinguisher now."

"Um... When I just came, I heard people in the company were discussing it. They said that Chinese Film and Television has a lot of capital support, and that all the movies that will be released in the future are blockbusters. They are recruiting actors now, so..." the secretary replied with a blushing face.

"What's the point of discussing this? If they want to change jobs, they have to pay the penalty. Do you think they have the guts to do that? They are all ungrateful guys. I don't know who they rely on for food. Don't worry about Mr. Huang or Mr. Li. Here, there's only me, Mr. Yang. Come here!" Yang Dan hooked his finger at the secretary while sitting on the chair.

The latter hesitated for two seconds, turned around silently, locked the door, walked to Yang Dan, pulled down the curtains, and slowly knelt down beside him.

Yang Dan touched the secretary's hair, enjoying the supreme service, and squinted his eyes comfortably: "I wish everyone in the company was as obedient as you, then I wouldn't have to worry so much."

Little did he know that a hint of hatred flashed in the eyes of the secretary under him.

After Chen Xi finished chatting with Xing Tian, ​​he sat alone in the office looking at the computer. Wang Qiansui's voice came from the headset: "The current share price of Yongtai Technology is 16.5..."

永泰科技发行价是20块钱，期间实施10转5股，除权后价格现在为16.5。复权后发行价是10块钱，也就是说实际涨幅是65.5%。

According to Chen Xi's memory, the stock price next year will be the highest in history, reaching 76.2. But if calculated by rights adjustment, the historical highest price is equivalent to 228.6, which includes dividends and bonus shares.

Since Rogers' visit to China, they have put a lot of effort into this company. It can be said that Rogers is ready to make a fortune on this stock.

“Buy a little more.”

"It's already a lot."

Seeing that Chen Xi, who had always been conservative, was so bold this time, Wang Qiansui couldn't help but look puzzled.

"The stock price fell in the first half of the year due to the decline in demand for electronic chemicals. Last year, the country issued a new policy for new energy vehicles, and lithium hexafluorophosphate is the core material of the electrolyte. The current price of lithium hexafluorophosphate has soared from 8 yuan/ton to 12 yuan/ton. I expect it may quadruple next year!"

"Four times? How is that possible?"

Wang Qiansui was a little bit unconvinced.

"Nothing is impossible. Even if it is impossible, we have to make it possible. Now Yongtai Technology's output is 200 tons. As long as the research report shows that it is 800 tons, isn't it enough?"

"Um... then what?"

"Yongtai Technology is a leading chemical company. It will enter the pharmaceutical industry sooner or later. The acquisition of a pharmaceutical company is a sure thing. I think the chairman will take advantage of the bull market to speculate on the topic and proceed quickly..."

"Chen Xi, you think the same as I do. According to my calculations, the bubble is about to burst. Then the stock market crash will occur..." At this time, Rogers interrupted.

The boss is worthy of being the boss, his prediction is absolutely correct.

Next year will be the end of the bull market!

Leveraged funds were cut off, the scale of off-market financing exceeded 2 trillion yuan, accounting for more than 20% of the trading volume, and forced liquidation caused a stampede.

The valuation bubble burst, and the average price-to-earnings ratio of the ChiNext fell from 150 times to 50 times.

The policy shifted, the central bank tightened its monetary policy, and the pressure of capital outflow intensified after the exchange rate reform.

Three core reasons led to the collapse of the domestic stock market.

In the following years, the market continued to fluctuate and fall, and the Shanghai Composite Index continued to be below 3000 points. Structural market conditions, consumer and technology sectors were bullish, but there was no full bull market. Affected by the slowdown in economic growth, the market continued to adjust again...

A few months later, a third-party payment company called "Shua Ka Shua" quietly settled in Shanghai.

The main business of this third-party company is POS machines, and its business model is based on profit sharing. That is, the merchant rate is deducted, the standard rate is 0.6%, and the payment company gets 0.1%-0.15%. For example, if a merchant swipes a card for 1 yuan, the company earns 10-15 yuan. If the annual transaction volume exceeds 4 trillion, the annual income will be 40-60 billion.

Agents are charged commissions in different levels and develop a second-level agency network, with the commission ratio decreasing at each level (headquarters → provincial level → municipal level).

Value-added service premium:
Member subscription service, gross profit 85%+, POS traffic card (annual fee 50-100 yuan/unit).

Empowered by financial technology, with a gross profit margin of 70%+, we direct loan customers to banks and collect commissions.

Data marketing services, gross profit margin of 60%+, consumer data analysis report (charged to merchants).

Like car rentals and advertising machines, current POS machines all have a leasing model.

Generally, a deposit of 300 yuan is collected for each machine, which will be refunded if the merchant’s annual transactions exceed 10. However, in reality, 30% of merchants fail to meet the requirement.

The price of each 4G smart POS machine is about 800 yuan, but the cost is only less than 300 yuan. In other words, as long as the third-party payment sells one POS machine, it will basically not lose money.

However, there is not just one third-party payment company, and there are POS machines of various brands everywhere. These companies often engage in capital trading, and there are endless problems such as card swipe failure, delayed loan release, etc. When the money accumulates more and more, they will choose to run away.

As a result, many shop owners would tell people to get out in a rude way when they see them trying to sell POS machines.

The current situation in China is that there are about 200 licensed payment companies, less than 100 of which have national business licenses, only dozens of which provide bank card payment acceptance services, and very few companies with special qualifications and all licenses.

Why did Chen Xi choose to rush to set up a payment company at this time? That’s because the central bank will suspend the issuance of new licenses next year and they can only be acquired through mergers and acquisitions.

Cashing out credit cards is illegal, and banks will reduce the credit limit or block the card of credit card holders. However, during this period, supervision is not very strict.

There are several reasons for this. The first is that banks are aware of cardholders' cash-out operations, but as long as you can make the bank profitable, they will turn a blind eye.

Second, many shareholders of payment companies are actually banks. This is similar to online lending platforms, where banks lend money to platforms and let them lend money, so that everyone can make money.

The third is to make this life the same as the previous life. Whether he sets up the payment company or not, Linxi will do it later. It is better for him to propose it first.

Fourth...

In the past, many people on the Internet summarized some tips on how to cash out using credit cards, but that's all bullshit. The bank knows where your money goes better than anyone else. It's similar to loan funds. Unless you stop withdrawing cash, you can still trace it. However, it's 2014 now, and it's not very convenient to find data.

Why did Chen Xi do this? It was to make money and also to keep people away from online loans and fleece the banks.

The interest rate of credit card installments is very high. If you pay in many installments, it will be almost the same as a medium-interest online loan. But if you do it right, you only need to pay the handling fee to get a large sum of money.

Although this operation is illegal, it is condoned by many banks.

Why would a payment company whose shareholders are banks agree to do this?

That's because banks also have their own little tricks, which is that they will also gamble that after those people use the cards, once they encounter a situation where they cannot make ends meet, they will choose to pay in installments, so that they can make huge profits.

However, Chen Xi only provides POS machines. As for how users operate them, that is their own business. Whether the bank manages or not has nothing to do with him.

After all, it is very difficult for ordinary workers to get a loan from a bank at this time. Although spending in advance is not a good habit, some people may encounter situations where they need money urgently.

As for who is the boss of this payment company?
That's not Chen Xi, but Lin Xi.

Although the position of boss of a financial company is very dangerous, the president of the Returned Overseas Chinese Association, who is eager for quick success and instant benefits, resolutely took it.

Lin Xi is different from Chen Xi. Although the Overseas Returnees Association currently has many industries, he personally does not have a decent large company, so it would be embarrassing to go out and discuss cooperation.

In order to move to the next level, Linxi felt that it was necessary to take necessary risks.

In Shanghai, swiping the card in the company meeting room.

“现在国内信用卡分期名义月费率3期为0.60%-0.90%，实际年化为。10.9%-16.4%6期分期年化11.2%-16.8%，12期分期年化11.5%-17.1%，24期……银行宣传每月费率0.6%看似低廉，但实际年化通常超12%，因本金逐月减少但手续费固定。国有银行的利率为12-1X%，股份制银行为15-1X%。市面上的网贷平台，一线头部年化为12%、中型合归平台18%、高息激进平台为XX%，这看似和信用卡分期差不多，但里面存在着各种套路……”陈熙坐在椅子上说道。

At this time, a young man interrupted him and said, "But the interest rates for credit card installments abroad are even higher than those in China. So it seems that domestic banks are still quite conscientious."

Chen Xi glanced at the other person and recognized him as a member of an association that was very close to Lin Xi. He then began to explain: "The annual interest rate in the United States is about 15%-25%, in European countries it is 12%-18%, in island countries it is 13%-16%, and in Hong Kong it is relatively high, at 16%-28%. These installment interest rates seem to be much higher than those of mainland banks, but in fact, consumers can negotiate when they have no money to pay back, and they can even not pay back. In Australia, a friend of mine applied for a credit card with an initial limit of Australian dollars. He used the limit to zero, and the bank called him after several years. The tone was quite good, asking him if he had forgotten to repay. As a result, my friend said that he would pay it back when he had money. After the bank knew about it, the conversation ended. Then the card was still not repaid, and the bank called again after two or three years..."

The friend Chen Xi was talking about was Dongdong from his previous life. He forgot to pay back his card after returning to China, and the bank didn't urge him to pay back or anything.

Then, Chen Xi continued, "In China, other joint-stock commercial banks are relatively lenient when it comes to overdue credit cards. If you really can't pay it back, you can negotiate to only pay the principal, but the Big Four banks are more rigid and it's hard to negotiate with them. The overdue penalty interest for credit cards abroad is different from that in China. In other words, once a domestic bank is overdue, the interest compounding is even more exaggerated than usury. Therefore, when we launch the POS machine, we need to teach users how to use credit cards, but these skills cannot be taught directly, but must be published through websites like Tianya Forum. Remember, we are just a third-party payment company and do not provide anything that helps users violate laws and regulations..."

After Chen Xi finished speaking, everyone in the conference room showed an expression that said "I understand."

"There is another point I want to make. Now is the Internet age. Rice washing is very common all over the world. Many third-party payment companies and e-commerce platforms have become tools of the rice washing industry. We must never touch this kind of thing..." Chen Xi reminded, seeing that everyone wants to make money.

In the past, many third-party payment companies’ businesses included settling funds for virtual currency and online gambling platforms. Some payment companies were even opened by the bosses of the rice-washing industry.

After the meeting, Lin Xi sat in the office and looked at the young man in front of her and asked, "Why would Chen Xi give up the position of boss to me so easily? I thought about it for a long time and couldn't figure it out. Could it be that he was deliberately trying to trick me? It seems that many bosses of financial companies are in trouble now."

The young man thought for a moment and replied, "He has so many companies, how can he manage them all? Besides, he can't open this payment company by himself. If he hadn't mobilized the resources of so many people in the association, he wouldn't have obtained the license so quickly, so you have made the greatest contribution here. After all, you are the president of the association, and everyone still listens to you."

"Well, I'm in charge of the company's operations anyway. As long as there are no mistakes, there will be no problem..." Lin Xi thought about it and it was right. As long as she checked every level, she wouldn't be cheated by Chen Xi. With a card, Lin Xi held 28%, Chen Xi 23%, members of the Returned Overseas Chinese Association who made contributions held 20%, banks held 15%, and institutions held 14%...

Of course, not all of Lin Xi's money was his own. As for where he got it from, Chen Xi didn't want to ask more.

"President, how do you want to use this payment company?"

"Let's do as Chen Xi just said. I don't think there's any problem. Develop the business first, then think about other things. We have suffered a lot of losses on the e-commerce platform recently, and we must take advantage of this opportunity to make a fortune." Although Lin Xi said this, she didn't think so in her heart.

The money for this investment was borrowed by him, and he had to pay it back. The payment company could be said to have put his future on the line.

A month later.

Sun Dixun stood in front of his leader carefully and reported his work: "That guy took the money and set up a third-party payment company."

"How much can it be? Where is the rest of the money?" The middle-aged man sitting on the chair raised his eyelids.

"I don't know. It seems that some money has entered someone's account. But this number is not much compared to the loan amount."

“Do you want to transfer funds or invest in something else?”

"He has set up so many companies and needs money everywhere, maybe."

"The Three Rural Project should have started construction. The initial investment is huge, and I think the money will definitely come back." The man thought for a moment and said casually.

As soon as Fantasy of Intelligence was launched, it set off an unprecedented gaming wave.

It completely subverts the game mode that domestic players are accustomed to - there is no internal test, no closed test, and even no basic strategy, everything is up to the players to explore on their own. This return to the basics of the game mechanism makes the new generation of players who are used to "nanny-style guidance" feel headache, but also makes those older hardcore old players excited to tears - isn't this the pure joy they had when they stayed up late to explore Stone Age and Legend of Mir?
"Amazing! The equipment system of this game is simply a masterpiece!" On the game forum, a player with the ID Night Ranger posted a message praising it: The smelting formula is entirely based on trial and error. This is the first time I have seen such a hardcore setting!

The inspiration for this design comes from the Stone Age - in those days, many players held notebooks and recorded synthesis formulas bit by bit, and even many game strategy writers made their fortunes by reselling formulas.

"This is the true spirit of craftsmanship!" The reply from the user named Blacksmith Lao Wang drew a lot of approval: "In real life, which swordsmith master didn't try thousands of times before figuring out his unique formula? Games should have this kind of fun of exploration!"

Some senior economic players pointed out keenly: "This mechanism will make the raw material market come alive! The value of some unpopular materials may skyrocket due to the discovery of a certain formula. This is the real virtual economy!"

Chen Xi browsed through the heated discussions in the player community, tapping the table with his fingers.

This game without a guide is recreating the golden age of true adventurers in the most original way.

Chen Xi, who had hardly played games since his rebirth, took the opportunity to go in and experience it this time.

As long as it is an online game, there are basically people who make and sell gold. This situation also occurred in Zhijie Fantasy.

Some real-life bosses began to use their superpowers to frantically purchase equipment and recruit thugs in the game.

A large number of studios smelled the business opportunity and started to launch their own accounts.

Chen Xi actually doesn’t object to offline transactions. Some people think that this will undermine the fairness of the game, but it seems that no company can solve this problem perfectly.

Some people think that studios are the biggest source of damage to the gaming ecosystem, which Chen Xi does not deny. Some people think that without studios, there will be fewer people in the game industry, and this idea is not a big problem, but it only applies to domestic games. Because many Chinese people now play games not for fun, but to make a living.

The game’s agreement when it was launched clearly stipulates that offline transactions must be conducted through the game’s official platform, otherwise the individual will be responsible for any deception.

Of course, the platform will charge a 10% handling fee for each transaction. This naturally caused dissatisfaction among many brick-moving parties, but Chen Xi did not care and shut up those complainers with just one sentence: "Taking taxes according to the law is the basic obligation of every citizen!"

Game trading platforms generally have three methods of calculating fees. One is to only deduct a fixed fee regardless of the amount.

The second type is like a tiered fee rate, where if the transaction amount is ≤800 yuan, only the handling fee is deducted, or if it is >800 yuan, the handling fee + withheld personal income tax are deducted.

However, the second calculation method is not realistic because the seller's cost is difficult to calculate. When determining the cost, players need to upload equipment acquisition records or recharge vouchers, which is too complicated and Chen Xi thinks it is completely unfeasible.

Therefore, the handling fee he charges is a direct way for these brick-moving parties to pay taxes.

"Will this cause the popularity of the game to decline in the future? After all, many players are here to make money." Xing Tian said with some concern.

"It doesn't matter. What we have to guard against is the studio. You can't prevent them from using scripts, creating accounts, etc., so you can only suppress these guys financially." Chen Xi shook his head. This was exactly the effect he wanted.

Don't eliminate the studios, but don't let them act recklessly either.

There is still money to be made, it’s just a matter of how much.

"The release of our game is indeed effective, and there is less and less negative news about you online."

"Haha, there are fewer on the Internet. But there are more in the association..."

Hearing Xing Tian's words, Chen Xi smiled bitterly.

Many members of the Returned Overseas Chinese Association think that Chen Xi and Xu Yun are now an underground couple. Even though his diehard fans like Qian Jiajia try their best to defend them, there are still people who think in the wrong direction.

There is no way, there are pictures and evidence on the Internet. If the two are not a couple, why do they act so intimate?
"Secretary General, are you and the Vice President in a relationship?"

"Yes, we are all family here, there is nothing bad to say."

"I think the Secretary General and the Vice President are a perfect match. They are a perfect match made in heaven!"

"We have been holding back on asking this question, and the vice president has not come out to clarify. Secretary-General, you have not made any statement either. Does that mean you have accepted this matter?"

In Xu Yun's small group, her loyal fans all started gossiping when asked by one person.

The person involved, Xu Yun, did not see the news. She is very busy now, dealing with the internet trolls she found.

In a dim rental house in the suburbs of Huajing.

The tips of her high heels tapped impatiently on the concrete floor.

Xu Yun sat on the chair with her legs crossed and patted the corner of her trousers with some disgust.

She angrily stared at a fat man in front of her, hooked her finger and asked, "Do you think I'm beautiful?"

The fat man looked at the woman in front of him and just wanted to stand up, but he was held down by the two men beside him. He immediately fell to his knees again, his knees aching.

He touched his purple cheek and said tremblingly, "Beautiful!"

Xu Yun raised her red lips: "Then why did you take such an ugly picture of me? And you made up a story that I was some 18th-tier celebrity? And you spread a rumor that I got to the top by warming a man's bed. Which eye of yours saw me warming a man's bed?"

"I……"

"What do you mean by 'me'? Tell me the truth, why did you do this?" She slammed the table so hard that the glass clinked and the second hand of the wall clock suddenly became unusually harsh.

“Someone gave me some money…”

"how much is it?"

"One hundred thousand!"

"Fuck, just for a hundred thousand, you dare to smear me? Who ordered you to do that?"

"A man."

"Who?"

"The boss of a film and television company..."

The fat man wanted to make up a story, but when he saw the hammer shaking in the hands of a man next to him, he had to tell the truth.

"Yunyun, I just found out that it seems that there is more than one person behind this online incident!" At this time, a tall and thin young man walked in.

"Oh? Who is it?"

"Water Lord!"

Xu Yun had just learned the answer from the fat man, but then she received another piece of news that she had not expected.

Xu Yun's expression froze instantly. She turned around in disbelief: "Shui Ye? When did I ever offend her?"

As if she suddenly remembered something, her eyes turned red and her voice softened immediately: "Yang Dan failed to pursue me and slandered me on the Internet... You must help me get justice..."

The young man immediately clenched his fist: "Yunyun, don't cry! I will help you vent this anger!"

"Bullshit!" Suddenly, a young man wearing a green hat rushed in from the door. "What do you mean you helped her vent her anger? The credit for catching this fat guy today is mine..."

Before he finished speaking, two more young men squeezed into the narrow door at the same time, and also said that they had found out the news as if they were trying to steal the credit. Several people looked at each other, and sparks flew in the air.

Xu Yun raised her lips quietly, lowered her head and fiddled with her newly done manicure - this good show has just begun. (End of this chapter)