Age of Dreams

After returning to Rongcheng, Xiao Qi was not idle.

In addition to the company's affairs, the world's richest man naturally also has entertainment.

For example, tonight, he invited Xu Weihong and Ma Hua, who had returned to Rongcheng to report on their work, to dinner.

After so many years of experience, Zhou Bo and Xu Weihong, the two biggest assistants of Xiao Qi, are no longer the same as before.

Zhou Bo no longer has the aura of a small gangster, he is very generous and bold, and is considered to be the most flexible leader in Fairy Company.

Xu Weihong is different, his temperament is more and more precipitated, and he is a very stable person at a glance.

This is also related to Xu Weihong's personality. He was originally from finance, and what he needs in finance is a calm personality. Otherwise, he may lose hundreds of thousands, tens of millions, or even tens of millions of dollars if he gets agitated.

In his previous life, Xu Weihong was self-taught and admitted to the CPA because of his calmness, tenacity and hard work. People with such a personality are the boss's favorite.

In addition, he is a filial son. Since ancient times in China, filial piety is the standard to measure a person's morality. The only way to be an official in the Han Dynasty is to "promote filial piety". When a person becomes an official, filial piety is the first priority.

Although the later dynasties no longer advocated filial piety, this principle has not disappeared. A filial son and a talented person, the boss will definitely choose a filial son.

This is different from the West. The West is really meritocracy. No matter how poor your moral character is, as long as you can serve the company and create value, that's fine.

It doesn't work in China, no matter how talented you are, as long as you are exposed as unfilial, you will definitely be scolded bloody - even in the new era, it is the same, no matter how despised authority young man, on this point. Definitely the same idea as Old Stubborn.

Back to the topic.

Xu Weihong was in Fairy Company before, and he was in charge of finance and factory affairs for a period of time. When Yu Shanshan grew up, he turned to manage the factory production. As well as parts and OEMs.

After Fairy Bank, which is very important to Xiao Qi, was established, Xu Weihong was entrusted with a heavy responsibility and became the CEO of Fairy Bank. In this bank with a capital of 36 billion US dollars, he was second only to Chairman Ma Hua.

MCA was originally the president of China Merchants Bank. One-handedly built China Merchants Bank into the sixth largest bank in Huaguo. If it weren't for the strong background of Bank of Communications, it would basically be no problem for China Merchants Bank to rank fifth.

Anyone with a discerning eye knows that Ma Hua's coming to the Fairy Bank is just to play the residual heat. The real helm for the next 30 to 40 years still depends on Xu Weihong.

It's just that Xiao Qi gave Ma Hua a very generous treatment. The annual salary plus bonus is several hundred million yuan. Naturally, Ma Hua should be worthy of this generous treatment, so he was very attentive in giving advice to Xu Weihong.

under the direction of Ma Hua. Xu Weihong's progress is very fast. From the second half of 2008 to the present, in two years, he has been familiar with the entire bank's business.

Ma Hua was not surprised by such a fast comprehension speed. When calling Xiao Qi, he kept saying that it was the first time he met such a smart, down-to-earth and capable young man, as if Xu Weihong was born to do this job Same.

From its opening to the present, Fairy Bank has 210 branches. The first- and second-tier cities all over the country, although far less outlets than the five major banks, China Agricultural Industry and Construction Communications, are definitely among the top ten.

Moreover, Fairy Bank is not operating in a bleak manner, and strives to develop financial and business related to the Internet. Let Fairy Bank take a path completely different from traditional banks, specializing in absorbing funds from netizens for online shopping, and providing loan services to small and medium-sized enterprises related to the Internet. In just two years, the scale has grown.

Now Fairy Bank's deposit guarantee is still 36 billion U.S. dollars, which is calculated because of the slow appreciation of the renminbi. The money has lost more than 17% net, but Xiao Qi still has no intention of changing the money into RMB.

Because although the exchange rate of the U.S. dollar against the renminbi has dropped, its actual purchasing power has not declined. In the United States, a country with a low inflation rate, you can still buy things of the same value as two or three years ago with $36 billion. It is even said that because of the financial crisis, prices in the United States have dropped a bit, and there are more things to buy.

The cash flow in Xiao Qi's hands has already exceeded 600 billion US dollars, of which 200 billion US dollars are stored in Fairy Bank, but this money is converted into RMB. After all, you open a bank in Huaguo, and the deposits are all in US dollars, which is not justified. .

With the continuous rise of online shopping, with the continuous development of Taobao.com purchased by Xiao Qi, and with the continuous expansion of Xiaoyao Mall, the number of credit card users of Fairy Bank has exceeded 90 million, and the number of savings card users has also reached 1.8. million people, ranking sixth in the country, even stronger than China Merchants Bank.

In fact, the ranking of Fairy Bank could be higher, but now the five major banks of China Agricultural Industry and Construction of Jiaotong University have noticed the rise of online shopping, so they have also launched various credit cards for online shopping. I believe that there are naturally many people in these state-owned commercial banks, so they Also won a part of the online shoppers.

But Xu Weihong and Ma Hua's credit for being able to forcibly fight their way out of nothingness is definitely very high.

Although it is said that the success of Fairy Bank is due to the fact that it has captured the booming new thing of online shopping, but it has been changed to another bank, but there is no way to start from a small place in such a business and continue to achieve today Accounting for more than 88% of credit card users of all online shoppers, it is impossible for more than 300 billion yuan of funds to be deposited in Fairy Bank!

The so-called deposited funds refer to the money that users have transferred into Xiaoyao Wallet and Zifubao, which have not been purchased or have already been purchased, and the money that Xiaoyao Mall and sellers have received payment for but have not withdrawn.

There is a time difference of about one week from when the buyer deposits money to when the seller withdraws the money. During this period of time, the funds in Fairy Bank are called precipitation funds.

People keep depositing money in, and people keep withdrawing money out, but the amount of deposited funds is generally fixed, which is actually equivalent to the funds that Fairy Bank itself can use at any time.

Such accumulated funds are the money that Ma Yun used to subsidize the company's operations in his previous life. He put this money in the bank and charged interest. There are more than tens of millions of interest every day, which greatly relieves the financial pressure of the entire Taobao.com, otherwise Ma Yun can only introduce capital again.

Fairy Bank naturally couldn't do that, as a company. Taobao.com can make reasonable use of the rules, but as a fairy bank whose every move is watched by major banks and can't wait to see its own mistakes, it can't do so.

However, if such a large amount of funds is not used, it does not conform to the bank's operating rules.

So after Xu Weihong discussed with MCA. After reporting to Xiao Qi and getting approval, he decided to use the accumulated funds as a time deposit in the name of Fairy Company, and the interest on the deposit will be used to donate to education in poor areas. ——Not only Fairy Bank, Xiaoyao Mall and Alibaba Group are involved in this deposit of funds, so the entire Fairy Company is qualified to arrange the cost of this fund.

In addition to continuing to build Mingxiang Primary School and Mingxiang Middle School, the money can also be used to subsidize rural substitute teachers. Even if the subsidy can only be increased by 200-300 yuan a month, it is a dedication.

Charity is a good thing, but on this matter. What Xu Weihong has done most beautifully is not only charity.

On the homepage of Fairy Bank, he directly opened up an "educational donation area", which announced the address, cost, internal structure, etc. of each school donated by this charitable fund, and at the entrance of the school, there will be a A large stone tablet stated that it was donated by all the online buyers and sellers of Xiaoyao Mall and Taobao.com involved in Fairy Bank, and expressed the most heartfelt thanks to them on behalf of the students.

The same is true for the subsidies for teachers. The money is not distributed through the education department, but through Fairy Bank's own channels. For this reason, Fairy Bank has done investigation, verification and distribution work. It is clearly written on the website.

And there are various responses from the teachers, the names of those hand-signed are hung on it one by one, and there are some words of thanks written by the teachers, which shows that this is a very real thing.

For this. Buyers and sellers who shop online are very happy.

Chinese people have never resisted doing good deeds since ancient times. It is just that various reasons have more or less restricted people's kindness, but if they have the opportunity, they will still do something within their ability.

It's just that in the past ten years, more and more liars have taken advantage of people's kindness, which has created a kind of indifference.

They're not afraid to do good things with little response. I just hate being taken advantage of by kindness, but helping people who shouldn't be helping.

Fairy Company has done a good job. If they don't disclose the accumulated funds, users will not know.

Moreover, this amount of money seems to be a lot, but when it is distributed to hundreds of millions of users, each of them actually pays very little. If they save it by themselves, they will not have much money at all.

Only when they are brought together, can there be such a large precipitation fund.

It stands to reason that if they change to another company, the money must be their own, but the Fairy Company does not do this, and directly announces the source of funds, and explains that it is a waste of money to lie in the bank, so it is made I made a fixed deposit to collect some interest, and then donated all the interest to education.

Donating to the cause of education, this is not in the name of Fairy Company, but all the buyers and sellers are thanked on the stele, which makes everyone happy to participate in doing good deeds.

Compared with Li Lianjie who used the fund donated by everyone to donate, but never said "Li Lianjie and his first fund" and never mentioned ordinary people who donated money, Fairy Company can make everyone feel very satisfied.

In addition, Fairy Company has already gained a great reputation. Their donations have always been the number one in the country, and they have been doing educational charity throughout the whole process. You don't have to worry about the money being embezzled by any leader.

As long as it is actually used on children, and those poor but respectable rural teachers, everyone will only be happy, and there will be absolutely no dissatisfaction.

As a result, not only Xiaoyao Mall and Taobao.com benefited, Fairy Bank, which directly operated this matter, received rave reviews, especially in the minds of young people, it directly became the first choice of the bank they use! (~^~)