The division of labor between Xu Qinglian and Shi Wenjun is currently headed by Xu Qinglian, who is good at strategy, controls capital and personnel rights, and Shi Wenjun, who is good at practice, is responsible for specific business development, promotion, and market expansion. Kang Si and her fellow students with Wang Ai are responsible for specific business negotiations. "The Light of Apennines" is taking Milan as its core, extending its tentacles to Southern Europe, Western Europe, and Eastern Europe. It is gentle and polite, and with generous orders, it has extensive contacts with middle and lower-level businesses in society.

In the next step, when the "Light of the Three Eastern Provinces" is grafted over, these nodes that are gradually concerned about the "Light of the Apennines" network will become the first customers of the "Light of the Three Eastern Provinces".

According to Xu Qinglian’s vision, the self-operated business of "Light of Apennines" will be fully liberalized, except for a few agricultural and sideline food products. The purchasing agent business will gradually shrink and give way to merchants’ self-built stores, mainly for China, while retaining the world’s select.

At this "818 meeting", Xu Qinglian and Shi Wenjun also jointly formally proposed to Wang Ai a request to develop their own settlement tools. In layman's terms, they were facing a historical moment when Taobao had to develop its own Alipay. This is another huge project, because with the development of business, the cash flows of various bank cards are staggered on the website, and a unified settlement tool must be used to convert them. This is a more complicated situation than Alipay. Relatively speaking, at this stage, the purchase money of Chinese customers will be entered into the company's account, and finally converted into euros, withdrawn from Wang Ai's salary card. But this model is limited by Wang Ai's revenue ability. Although he can borrow a lot from the advertising revenue allocated to the R fund, it is still impossible to catch up with the current trend of the company's business expansion.

To be resolved sooner or later.

The next step is more complicated for European customers to purchase products from the "Light of the Three Provinces of the East". Regardless of how much, many banks pay to the company account and then convert it to RMB to pay domestic merchants. This process is too cumbersome and accumulates the amount of funds. It is too large, and even the accumulated capital scale is calculated by two people, which may even cause the bank interest that should be generated by the deposited capital to squeeze the company’s profits.

This requires an automatic settlement tool that can quickly divert funds, reduce the company's demand for funds, and improve the company's profitability.

After listening to the two men's report, Wang Ai frowned and meditated for a while and said: "Wen Jun, the fool fund is divided into two after the end of its business. One part goes to the Wang Fund, and the other goes to the Future Fund. Among them, there are some financial talents. Financial license. For the time being, the state has not given private capital any movement, but I guess it will definitely move in the next three or two years, so we have also reserved some talents. After all, the fool fund back then was a bit of a bank, so you have to set up our payment tool , You can find someone from there. Well, you can just talk to my mother directly, she pinched a lot in her hand."

Shi Wenjun asked with interest: "Why does this kind of talent stay in the Future Fund? Our salary is not high?"

Wang Ai smiled: "Most of them are from the Northeast, grown up under the culture of state-owned enterprises, and are willing to bear less burden in their hearts."

Shi Wenjun thought for a while: "What are the additional benefits of the lifetime employment system?"

Wang Ai shook his head: "It's not an added benefit. This is our unique management method for stabilizing the talent team and adapting to the Northeast culture. In short, if you are looking for someone to find my mother, there should be suitable talents. I just don't know if you can follow. Those who resign from Taobao can directly learn from Alipay..."

"No." Xu Qinglian and Shi Wenjun shook their heads. Finally, Xu Qinglian explained: "Although this is technically difficult, it is not too complicated. It is nothing more than automatic processing of information, since the allocation of funds. The difficulty is to understand financial policies and understand. Banking financial situation and talents who are good at negotiation. The key is to be able to obtain authorization from various banks, both domestic and foreign."

"It's easy to say that the talents of the future fund will be enough. If it is not, my mother can also find her friends. Well, I can also find it. When the Stupid Fund was officially started, I knew several Ministry of Finance and the people. It’s a bank cadre. But abroad?" Wang Aishu breathed a sigh of relief: "Ask my mother if she has it. If not, go to Huang Xin. The German Chamber of Commerce in China has been established for more than half a year, and a Chinese company in Germany. Bacheng has joined the association. They should have relatively rich experience in dealing with the banking industry, and they may even be able to help or something."

"Can it work?" Shi Wenjun asked doubtfully: "Isn't the Chamber of Commerce just a chat platform?"

Wang Ai smiled: "Of course the chamber of commerce we established is also a chat platform, but our organizer did not want to make money from it from the beginning. We used our position in Tübingen and the strong economic strength of Baden to give They have helped a lot. In short, they are very friendly and convenient."

"That's good." Shi Wenjun took a sigh of relief and sat firmly on the sofa opposite the boss table. Xu Qinglian behind the boss table also leaned on the boss chair. It seemed that this matter had troubled them for a long time.

Wang Ai looked at the two of them: "After developing our payment tools, more and more funds will be deposited. After all, we also need a shopping deposit system. If the funds are large enough, we must develop loan business. The business is developing smoothly. This platform can be a meager profit, but this loan business may be the next stage of rapid growth. You have to think about it."

"Lending, what do you think?" Shi Wenjun wondered.

"Subprime mortgage crisis." Wang Ai nodded her: "The impulse to make money in finance is endless. When we have funds to settle, you thought of developing payment tools to speed up settlement. When there are still funds to continue with the qualifications of various deposits When it settles, you will think of lending. But when lending, you will find that the loan contract itself can still be mortgaged. This is the subprime mortgage crisis. We will use our only funds one after another, and we will be more and more involved. With so many banks and personal funds, it seems that the entire chain is prosperous. However, when the economic crisis occurs, everything will be fed back to us. We will vomit out how much we earn, and even our website platform will be implicated, even overnight. Before liberation, there was nothing left, and I was driven away from where we started."

Xu Qinglian and Shi Wenjun both took a deep breath, and listened to Wang Ai continuing: "So what? The company at home does not go public and does not spread the shares, just for safety. Others lack money, we don’t need more, we need more funds. What are you doing? That can only touch things that we shouldn't touch in the end. The same is true for this website. It is not listed and does not diversify shares. Keeping in mind the Basel Agreement, no matter how delicious the fruit is in front of us, we must never forget how big our appetite is. "