v3 Chapter 169： The end of the era

"My phone can swipe money(

169、The end of the era

At Maoyu headquarters, Lao Ma never thought that these few moves would bring Maoyu into such a big crisis. Now not only the Ye family is besieging them, but even the good banks and funds from before have begun to ignore Maoyu. Don't ask.

All investment institutions are not optimistic about the catfish that digs its own grave. Even Xiao Wang and Qin Feng called to ask whether Tang Wen could make a fortune in this blocking battle.

Tang Wen smiled and said, "I still want to drink some soup. As for the rest, don't think about it."

"What do you mean? Is there a big shot?" The two asked curiously.

Tang Wen explained: "Why do you think the catfish is planted this time?"

The two thought for a while and said doubtfully, "Isn't their plan wrong?"

"This is just one reason." Tang Wen shook his head and continued to explain to the two of them.

"You forgot the main point, and the most critical point."

The two looked at Tang Wen inexplicably.

Tang Wen didn't say much, just silently pointed at the name of Baoshang Bank, and the two suddenly realized.

Xiao Wang felt the deepest feeling. During this period of time, because of the restoration of the relationship with Shenlong Bank, Wan Da, who was about to bleed a lot, is slowly recovering. He knows the name of Tang Wenzhi best.

As for Qin Feng, let alone, how could it be unclear how his family's relationship is related to this person.

Qin Feng said helplessly: "Old Tang, my family is still involved with this. I didn't see the situation. How can you see it first?"

Xiao Wang also nodded in agreement, Tang Wen's vision was too poisonous. The reason for this commercial war is almost at a glance.

Tang Wen: "What's so hard to see? It's just that Mr. Ma, the boss of Maoyu, is too jumpy, and a good intermediary doesn't do it. He wants to be a top-level person and is not enough to swallow an elephant."

Tang Wen knew about the catfish's experience early on. Just like a certain treasure in the previous life, too big steps are easy to pull eggs, not to mention the red line of this thing is the most taboo for businessmen.

Especially Lao Ma boasted that a "intermediary" company was a high-tech company, which made people very uncomfortable. Besides, it's a bit too much if you want to go against the customer.

Therefore, the failure of the catfish is inevitable, whether it is now or in the future.

Because according to the model of catfish, even if it is listed, it will be punished and cannot take care of itself. Why? Because people in the capital market are not listening to your bragging.

Besides, the people of Huaxia are not stupid. They will use their own money to let you brag, and then join the capital to make their own money?

This obviously does not meet the current development needs, so Tang Wen didn't have a good impression of Maoyu from the beginning. So far, Tang Wencai let Zhou Xu start the project of group fight and second shot.

Unlike Maoyu, Tang Wen brought in capital from the very beginning. And his purpose is to make money for the capital and to allow Huaxia to have enough foreign exchange. How could such a conscientious enterprise fail.

The most important thing about Tang Wen's business is that it can really make money. Take the current bicycles, takeaways and taxis for example. It can bring more than 2 billion net profits to WF Group in one year.

This is because Tang Wen has always focused on customers. If Tang Wen compresses costs according to the time and space of his previous life, the benefits can be more than doubled at least, but Tang Wen did not do that.

Because he thinks money, he still needs to make some conscience money.

In fact, Tang Wen really despised this money, and as the money brushing system became more and more powerful. Now that his withdrawal limit is 17 million a day, there is really no need to ruin his reputation for such a small amount of money.

Moreover, doing so not only improves the loyalty of users, but also makes the riders and drivers who work for the WF Group give up. The capital made money, and Tang Wen had an excuse to withdraw the money in the system.

Why not do it. What's more, I am now a VVVVVIP customer of Huaxia Shenlong Bank, and I am not blind because I endorsed this for a certain extra money in China.

So why is WF Group able to have smooth sailing in China?

As for abroad? That's even simpler. WF Group is a patent holder, and any authorization can make foreign capital full of oil, although it can't be listed on the market to cut leeks.

But the monthly income is something no one else dares to imagine.

Take foreign taxi software as an example, WF Group will share 30% of its interests, but 70% of the profits are taken away by foreign consortia. Under such circumstances, foreign consortia will naturally endorse WF Group. .

Not to mention takeaways and bicycles. The deposits charged by Morgan and Rockefeller can be said to be for nothing. They prefer this kind of stable income to listing.

After all, if you go public, you will cut the meat every once in a while, and this fund will continue. You must know that foreign bicycles are much darker than domestic ones. Huaxia's bicycles are generally 99 yuan as a deposit, and foreign ones are uniformly 50 US dollars.

It is equivalent to more than 300 Huaxia coins. At present, there are more than 15 million bicycle users abroad. The deposit alone is as high as more than 750 million US dollars, not to mention the cost of 2 US dollars for a ride.

It's no different from stealing money.

In terms of takeaway fees, they will take a 20% commission for an order abroad (equivalent to the service fee of a restaurant). Currently, the total number of overseas takeaway orders per day is about 1 million.

Even if the lowest 20% is drawn, the starting price is $20, and they can earn $4 per order, which is $4 million a day. A month is 120 million US dollars, and a year is more than 1.2 billion US dollars in profit.

The labor cost is only about 100 million US dollars, and their annual net profit is more than 1 billion US dollars. At 70%, they can all get a minimum of $700 million.

Moreover, this is only the initial stage of take-out, not counting taxis. If you include bicycles and taxis, their profits can be as high as more than 3 billion US dollars a year.

How could they give up on such a wasteful project. Unless you encounter such big leeks in Silla Kingdom and Bangzi Kingdom, how can there be a project of 3 billion dollars a year for nothing?

Therefore, they are very cooperative with Tang Wen, and they are eager to promote such a profitable project quickly. If the number of takeaways, bicycles and taxis exceeds 10 million, then their interests are likely to exceed 10 billion US dollars.

And Tang Wen took the initiative to give up 70% of the interests, which is why they are very interested in this piece.

Different from Tang Wen's generosity, Maoyu's old horse is a conservative and "new" mouth-watering player. On the one hand, it is about reform and innovation.

On the one hand, they are taking the old road of capital, wanting to borrow chickens to lay eggs. Well now, he not only wants to use chickens to lay eggs, but now he wants even chickens.

So it is normal to be besieged.

"What should I do? Baoshang Bank now wants us to make up the difference in the payment license, otherwise we will be forced to settle the balance in our catfish payment." The old horse was anxiously walking back and forth like an ant on a hot pot.

Soft scene's Sun Yi frowned: "Why do you suddenly have to make up the difference now? Doesn't Baoshang Bank also have our shares?"

Lao Ma: "I just don't know. They suddenly re-examined our loans and the cat food (Miaoyu's micro-loan service.) that we launched before."

Cat food is a loan-like service launched by Maoyu last year. For example, if you buy a laptop with cat food, Maoyu will use the laptop you purchased to find a loan from Baoshang Bank.

Baoshang buys the computer for you, and then you pay back the money to Maoyu, who eats the interest and then gives the money to Baoshang. If you can't pay it back, it becomes money you owe Baoshang.

Catfish is just a middleman.

Sun Yi felt bad. When Maoyu launched cat food before, he had a feeling of trepidation, and now this feeling has finally become a reality.

"Is there any room for turnover?" asked the executive director of Catfish.

Lao Ma shook his head: "Next week at the latest, if we can't make up the difference, our payment license will be suspended."

After listening to what Lao Ma said, everyone's faces darkened. This time the catfish may not be able to cross this hurdle. Because the difference is really scary.

According to the regular tax payment ratio of cat food, the current catfish needs to pay more than 100 billion deposits in order to continue to use the payment license, otherwise it will be classified as illegal The only thing that can be done is to pay the deposit , or learn to use their own shares and industries to mortgage. This stuff looks farther than the old horse.

When Dongdong, who came from an entity, first applied for a payment license, he used his own industry plus shares as a security deposit. The difference with catfish is if you buy a computer at Dongdong with their Tojo.

Dongdong uses its own shares to find a bank loan to you. Although the interest is also collected by Dongdong, after you default, Dongdong will compensate the bank.

You still only owe Dongdong money, which is much better than Catfish's empty-gloved white wolf. And Dongdong has a lot of high-quality resources mortgaged by banks, so they can lend more funds than Maoyu.

Moreover, there is no triangular debt relationship, and such a company reassures the bank. Especially after the establishment of Madong Mall with MQ, after the merger of Dongdong's Tojo and MQ's M wallet, both of them use their own assets as collateral, so their margin is much more than that of Maoyu.

Sun Yi's eyes kept turning, constantly groping for ways to break the game. But after thinking about it for a long time, he shook his head helplessly, the current situation can only be those two endings.

But no matter which one it is, the failure of the catfish has become a foregone conclusion.

Another major shareholder of Maoyu, the Hua family's face is also very ugly now. Recently, the Ye family did not know what kind of gunpowder they had eaten, and they had been chasing after the major companies of the Hua family.

In just a few days, the Hua family's funds have lost more than 2 billion Chinese dollars. Although it will not hurt the bones, this situation makes the companies under the Hua family begin to shake the military.

No one knows who the next target of the Ye family is, and being targeted by a big consortium like the Ye family, these little scoundrels can only be used as cannon fodder.