"Or can we ask the merchant to pay rent?" Benier, who failed to do it, had another idea, but he denied it again as soon as the idea came out: "Not good, it's okay. It's okay to do it after the department store is started, but it's absolutely impossible to do this in the early stage, but what can we do if we don't do this..."

After thinking for a long time, Benier still couldn't come up with a suitable solution. He looked at Lin Zheng with a wry smile: "Boss, do you have any good solutions?"

Ebay now has no credit guarantee. As a website that mainly sells second-hand items in personal use, although ebay has developed very quickly and has attracted many merchants to settle in, the credit guarantee method is still very primitive. In addition to the cash-on-delivery system, it depends more on the user's consciousness: the user receives the goods and uses online payment to pay the seller of the item, but this process is too easy to exploit loopholes. ¤,.

This is true. Since the second half of last year, shopping loopholes and complaints have emerged on the ebay website. Ebay has also had a headache about why the entire transaction is completed smoothly, but so far, ebay has not been able to come up with a good solution.

The most successful shopping website ebay failed to come up with a good idea. There is no example for reference. It is a completely new world, and Benier is also blind.

"Yes." Lin Zheng nodded.

"Really?" Benier widened his eyes, unable to believe it: No? He couldn't help but rack his brains, and the boss solved the problem so easily?

If Lin Zheng had not shown too many magical things in front of him in the past, Benier would have pointed at Lin Zheng's nose without hesitation: Liar!

But if it were Lin Zheng, the situation would be different. I saw Lin Zheng's magic and wild imagination for a lot. Although I was still a little doubtful about whether my boss could solve such a big problem, I dared not believe it all, but I didn't dare to disbelief.

Lin Zheng didn't intend to sway Benier's appetite. This thing is actually just a way of thinking. You can get it by clicking it, but it may not be able to get it for several years without clicking it.

Since it is your own company, there is naturally no need for this toss.

Lin Zheng said: "It's actually very simple. We can set up a new company..."

"New company?" Benier interrupted Lin Zheng.

"That's right, it's a new company," Lin Zheng nodded: "The responsibility of this new company is to manage an account. The responsibility of this account is as follows: Step 1: When consumers buy things, they need to pay the shopping fee first, but this fee is not paid directly to the merchant, but is pre-registered to the account managed by our new company; Step 2: After receiving the money, we verify it and inform the merchant that the money has arrived in our account and they can ship the goods to the customer; Step 3: After receiving the goods, the user goes to our website to confirm, and we receive the confirmation information and lend it to the merchant. Finally, the transaction is completed. We are only responsible for supervision during the entire transaction process, and we do not set a pre-set position. What do you think of this method?"

After a pause, Lin Zheng added: "Of course, the whole process is automatically completed in the background and is performed automatically by computers and software programs. How to ensure the safety of the system is also the top priority of work."

“…”

Comrade Lao Bei opened his mouth wide and looked at Lin Zheng like God. He felt a strong sense of frustration in his heart: How did Boss' brain grow? Does he have more brain circuits than his own? Otherwise, why would he not think of a solution even if he had broken his head? He easily found a solution?

Although I know that the boss is a genius, no matter how talented he is, he should have a limit, right?

After being stunned for a while, Benil said happily and depressedly: "It's simply perfect. I can't think of any other way than this method."

It is true that this is just a way of thinking. If you want to improve it, there is still a lot of work to do to realize this way, but compared to those specific tasks, this way of thinking is the most important and the most creative in the entire plan.

"Don't be too happy too early," Looking at the inexplicable Benil, Lin Zheng poured a basin of cold water on him: "We still have a lot of work to do. For example, if we calculate the entire transaction process, we will find that the average user's money must stay on our account for at least 4 days. How can we make good use of these 4 days to make this money create more wealth for us?

Secondly, when this shopping mall is operating, I believe that the daily capital flow will be a very terrifying number. When people get used to this consumption method, the daily capital flow can easily reach 9 digits. This is a very realistic question before us: How to choose a reliable bank and strive for the greatest benefits for us? What should we do if we choose a small bank and go bankrupt after just a few days of operation?"

“…”

Benier didn't say anything, and he was thinking about this issue seriously because he realized that there was indeed a huge benefit in it!

Although he was doubtful that Lin Zheng said that the daily turnover could reach 9 digits, with the user scale of iQ, I think that after the website is successfully operated, at least tens of millions of dollars in turnover can be guaranteed.

On average, it is calculated in 4 days per cycle, which means that there are hundreds of millions of funds available for yourself to mobilize in these four days. This is really exciting to think about it. How much can such a large amount of funds do?

Thinking of this, Benier felt hot: With such a large turnover, even if he was indifferent to top banks like JPMorgan Chase, Citi, and Bank of America, right?

But as the boss said, with tens of millions of dollars in daily transactions, choosing a partner has become a very test of the wisdom of iQ companies. Of course, small banks are not within the scope of consideration. But even those medium-sized banks are likely to rise several levels by relying on cooperation with iQ? Therefore, it is not impossible to enter the sequence of second-tier top banks. But...

"Poss," Benier looked at Lin Zheng with unprecedented seriousness: "I always feel that it is too cheap to cooperate with the bank."

Lin Zheng was not surprised by Benier's opinion, because he also felt that it was really too cheap to do so. He nodded and said, "What do you think?"

"Since we have such a large turnover, why can't we become banks?" Benier's eyes clearly shone with something called ambition: "If we have a bank ourselves, many things in terms of funds and finance will be too convenient."

“…”

My brain!

Lin Zheng really wanted to slap himself: In China, it is almost impossible for an individual to start a bank, but it does not mean that there is no chance abroad. The benefits of a bank to develop the company can be explained in three days and three nights. In the past, there was no suitable opportunity, and the investment in entering the banking industry was too great. Now, the bank statements that can be expected of tens of millions of dollars a day are enough to make countless small and medium-sized banks rush up and cry and demand to hug them!

"You mean Huamei Bank?"

Huamei Bank is an iQ cooperative bank. When iQ decided to provide paid value-added services, its preferred target was Citi. Citi's response was actually quite positive, but perhaps it was not very optimistic about the prospects of iQ to provide value-added services. However, it was reluctant to give up on the specific benefits. In the end, iQ chose a small bank called Huamei Bank as its partner.

Later facts proved that Citibank played a very bad move. Seeing the popularity of iQ value-added services, Citibank regretted it. Although he later promised a series of benefits to dig up the iQ, Lin Zheng had no good face to Citibank: What did you do long ago?!

Although Citibank provided Lin Zheng with a loan of no less than 400 million US dollars, the same thing still says that business is business.

Huamei Bank encountered the good luck of "splashing the sky". With the thigh of iQ, it has now become a bank with assets of about $1 billion. This scale means that they are about to enter the $1 billion club and leave the category of small banks to become a medium-sized bank... Although they can only be considered as the bottom among medium-sized banks, medium-sized banks are medium-sized banks, and medium-sized banks at the bottom are also medium-sized banks.

Now, is Benier eyeing Huamei Bank again?

"That's right," Benier nodded excitedly: "I think it's not too much to rely on this business to take up half of China National Bank's shares? Besides, after we become shareholders of the bank, they will actually get more benefits."

Lin Zheng did not hesitate and immediately said: "You go and talk to Huamei Bank. Well, we can only retain the regulatory qualifications and give up the management rights of the bank. As for the shares..." After pondering for a moment, Lin Zheng said: "51%, this cannot be changed. If they are not happy, tell them that iQ does not mind changing a new bank."

"As long as they are not stupid, I think they will not only agree, but may also applaud and welcome." Beniel's face turned red with excitement when he thought that iq would become a shareholder of a bank.
Chapter completed!