第845章 要拼的不是基金(2 / 2)

东子在外四个月,显得有点饥渴,对什么都好奇,问:“小金库多少资金了?”

“破百亿了!”

“这就破百亿了?”

他瞪大眼睛,叹道:“难怪人都说,商业尽头是金融,金融尽头是无限,这才一个月啊!余额宝怎么样?”

“他们用户也破百万了,资金还没公布,追的很快。淘宝盘子太大,补贴又狠,吸了我们不少用户。”

陈生强道:“根据我们和银行的协议,还有近来市场形势,年化收益在5%以内我觉得都很合理,超过5%,我就不知道他们用什么手段了。”

“没关系,老马有理智(尚有理智)。现在是混战,那些乱七八糟的产品才敢喊那么高的收益,到时见招拆招。”

姚远道:“所谓的小金库/余额宝只是开胃菜,不必太在意,这是整个互联网大金融的战争。

目前最重要的,一是扩大应用场景,二是增加金融产品种类。

现在有20多家基金找我们,希望像天治基金那样合作,但再怎么合作也是理财,而金融产品包括什么?

股票算不算?”

“当然算!”

“保险?”

“也算!”

“小额贷款?”

“都算!”

“所以啊,小金库的模式已经做出来,根据这个思路继续做下去,开发更多的金融产品。”

“我觉得小额贷可以!”

刘强东品了品,道:“先消费,后付款,分期还,直接与商城对接,一条龙。”

“哈,是这个道理!”

姚远和他干了一杯,道:“这些交给你们了,我主要负责开拓应用场景。现在是野蛮时期,没人管,等以后监管下来了,哪还有这么高的收益?

在两家收益差不多的情况,用户选择谁,就看它的应用场景多不多。”

说着,姚远摸出手机,点开微聊,指着一个新功能。

“这叫微聊支付,先行给我的测试版,很快就要上线。我准备用这个开疆拓土,抢占市场。

微聊现在月活用户3.5亿,智能机第一社交软件,人们可能不会每天打开商城,但必定会每天打开微聊。

我会把【小金库】与微聊对接,再把微聊支付与我们的生态圈对接,游戏、视频、社区以及雷军的团购,程维的打车,包括海量的线下支付……”

“……”

刘强东有点蒙,理了理脉络,道:“真要做起来,那可是巨大无比,所以你说今年全力下注团购?”

“没错,利用团购推广微聊支付,利用微聊支付推广团购。把一个个应用场景打下来,才能赢得互联网金融之争。”

“与这个相比,小金库/余额宝确实是开胃菜。”

陈生强也叹道。

“来吧干一杯!”

姚远举起酒杯,笑道:“金融产品交给你们,应用场景交给我,我们都有美好的未来。”

当!

仨人干了一杯,大方向明确。

姚远一开始就没想在基金理财上打架,这有什么好打的?早晚归于政策。真正要跟阿里拼的是移动支付。

以及与移动支付相辅相成的团购,和刚刚崛起,还没什么人关注的:外卖!

(打完收工!

PS:紫金陈靠理财收益度日,写完《坏小孩》的故事是真的,这人贡献了不少梗……

上个群满了,想加加新群)

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