These days, women are much braver than men.

Especially the women around Li Rui, every one of them is braver than him.

Ye Bingling, Chen Qinglian, Tao Yuanyuan, Yu Na, Lin Shiling, Jennifer, Shao Xuan... Which one is not braver than Li Rui?

When Li Rui was a child, when he watched "Eternal Heaven and Sword of the Dragon", he wished he could strangle Zhang Wuji to death, hated him for being indecisive, and hated him for breaking the hearts of so many girls.

Unexpectedly, after his rebirth, he became the person he hated the most, more indecisive than Zhang Wuji, and better at hurting women's hearts than Zhang Wuji, but he also understood Zhang Wuji.

Qin Yi's bravery was beyond Li Rui's expectation.

The relationship between them is also the most special.

Li Rui's feelings for Qin Yi are very complicated. He doesn't want to admit that he is trapped in the pain of his previous life and cannot struggle out, nor does he want to put too much pressure on Qin Yi in this life. Sometimes even he himself doesn't know how to deal with this.

For feelings, you can only pass the responsibility to time, hoping that everything will happen naturally as time goes by.

But Qin Yi's question made Li Rui realize that some things are inevitable.

"What if I say, both work and I need you?" Li Rui asked back.

Qin Yi did not answer directly, but said softly: "Whenever you need me, I will go to Haizhou!"

…

On the afternoon of the next day, Li Rui came to an inconspicuous family courtyard in the West Second Ring Road. It was similar to the courtyard where the Tao family lived. The people in this courtyard controlled 80% of the country's financial industry policy decisions.

One sneeze, and banks and financial institutions across the country are affected by a cold for a week.

Chen Fengmei lives on the fourth floor of one of the buildings. The house is quite large, with two bedrooms of more than 120 square meters. However, the decoration and furnishings are relatively simple, retaining the style of the 1990s, and it is very clean and tidy.

Chen Fengmei is Chen Fengping's youngest sister. The Chen family's base is in Haizhou and they basically stay in Haizhou to work. However, Chen Fengmei chose to go to Beijing with her husband. Now her husband is already the right-hand man of Deputy Jin, and is likely to take charge in the next few years.

A certain key department also proved that her choice back then was very correct.

Due to the close relationship between Li Rui and the Chen family, Chen Fengmei was very enthusiastic and even peeled an apple for Li Rui herself.

Li Rui held the apple and was filled with emotion. He thought that if this apple were put up for auction, bank presidents across the country would definitely raise their heads and raise placards to bid!

After chatting for a while, Chen Fengmei took the initiative and said: "How is the progress of Ruixinbao's project? I have read the report you made before, and there are a few issues that need to be carefully considered."

Li Ruidao: "The project is in progress. If everything goes well, it can be launched as soon as the end of June. We are also rectifying the problems in the report, and a new report should be submitted in a few days."

Chen Fengmei said calmly: "There is another most critical question, how do you plan to deal with the conflict of interest with the bank? Ruixinbao's model has shaken the interests of traditional banks, and they will definitely have very loud opposition.

You have to be mentally prepared."

As expected of a professional, he can tell at a glance where the biggest resistance to Ruisinbao comes from.

To put it bluntly, the Ruixinbao model is actually very simple. It mainly gathers scattered funds in the hands of users through investment agreement deposits, from fragmented low-interest demand deposits to large-scale high-interest deposits between money market funds and banks.

Agreement deposit.

Users get benefits and high interest rates in return, but this benefit actually comes from the bank's losses.

Originally, the interest difference was eaten by the bank, but now it is eaten by Credit Suisse and users. How can the bank be happy?

Chen Fengmei continued: "Some time ago, we discussed the Ruixinbao model at an internal meeting, and some people raised several concerns. One is whether Ruixinbao will push up the price of the capital market by doing this, and the other is whether Ruixinbao will

It has gathered a considerable number of users. Once it encounters centralized redemption, is there any liquidity risk? Thirdly, will Ruisinbao fully indicate the risks to users? If these problems cannot be solved, even if it is passed by me, what will happen to you in the future?

You will also encounter a lot of trouble.”

Li Ruidao: "Regarding these issues, it is actually easy to blame them. You have also seen the recent capital market situation. Ruixin Bao has not been launched yet, and the overall market trend has already become tense. This situation stems from

As for what, I think you are a professional and know much better than me."

Chen Fengmei nodded slightly.

The shortage of funds comes more from the systemic problems existing in the interbank market than from the emergence of a certain treasure.

Li Rui continued: "Banks follow their old business philosophy and stick to their own interests. They don't want to increase their own costs for the benefit of customers, and they are unwilling to make any innovations. In fact, in the international market, those who innovate the most are often

It is a financial market that is trying every means to provide customers with better services and more returns. But our country is different. The financial market is strictly controlled, and people are used to extremely low yields and very few financial products. It can be said that

Our financial market is very unhealthy, which directly leads to a shortage of overall liquidity and a lack of investment types, which has a negative impact on economic development..."

"Ruixinbao is willing to accept the supervision of the country, and even hopes that the country can set up a permanent supervision group in Ruixinbao. In fact, we do not have a tense and hostile relationship with the bank, but use the existing financial system to conduct a review of various financial electronic services."

Links to promote the development and progress of the entire market!”

Banks are all wealthy owners, and it is definitely not possible to play hard with them. Li Rui understands the principle of a man who can bend and stretch. The top priority is to get Ruixin Bao to go online smoothly. If he wants to survive well, he must get the support from the regulatory authorities and banks.

With the support of financial institutions, once you make too many enemies like Ahri in his previous life, you may be proud for a while, but sooner or later you will be put on the list...

Ahri found a way in his previous life, but that path proved to be too difficult in the end. Li Rui didn't want to make the same mistake again, so he needed to choose a safer path.

After all, when traveling in the world, safety comes first...

Li Rui and Chen Fengmei chatted for an hour and received a lot of advice.

Chen Fengmei gave advice on how to meet regulatory needs, how to avoid direct conflicts with banks, and how to meet the interests of all parties.

Li Rui benefited a lot from this conversation, and many theories that were purely based on memories from previous lives were supplemented and improved.

"There are people making the same product."

When Li Rui said goodbye and left, Chen Fengmei reminded him again.

The ten concise words provided Li Rui with shocking information.

You know who is doing it without asking.
Chapter completed!