"Now, with the help of the Internet, the total amount of loans we issue has exceeded one trillion."

No matter what kind of company, one thing you have to adhere to is to make the service simpler and more convenient.

It has to make the customer feel that it is not troublesome.

To make customers feel troublesome is to push customers to other companies.

The People's Bank of China vigorously uses the Internet and the power of technology to make its services better.

Nowadays, the entire society, especially young people, are becoming "lazy" and don't like to go to business halls to do business, and they feel it's troublesome.

If young people don’t want to come to the business hall, they can find a way to move the business hall online, and the business can be done on their mobile phones.

"It's all used for consumption, mainly daily consumption and car loans."

Han Songlin nodded gently: "We must prevent the loans originally used for consumption from flowing into the real estate market."

Now all over the country are investing in the real estate market, and even a subsidy system has been introduced to encourage buying a house.

For example, in a small county town, two or three hundred yuan is added to a square meter.

A house costs 20,000 to 30,000 yuan.

It smells quite good to hold it.

He chuckled, at this time, real estate sales in China were recovering. As the president of the People's Bank of China, Dong Wenbiao had naturally seen this data.

Big data analysis, and it is also used by the People's Bank of China.

And it is used more frequently.

Analyze the entire domestic economy and analyze the industrial situation.

Continuously adjust the flow of funds.

In industries with no future, we naturally need to make careful loans.

Even directly refused.

Of course, big data analysis alone is not enough, and people have to make judgments on a company.

As the real estate market recovers, the People's Bank of China has naturally increased its efforts to issue loans.

To be honest, Han Songlin didn’t have much to say about the management of the People’s Bank.

In terms of bad debt rates, the public banks are not the best controlled or the worst in the domestic banking industry.

Just medium.

In addition, the public banks will not talk too much about dealing with bad debts, and they will deal with it directly if they should be dealt with.

You should know that the People's Bank of China can provide loans to small and medium-sized private enterprises in large quantities.

These companies have very weak risk resistance and go bankrupt if they are accidentally gone.

After leaving the People's Bank, Han Songlin went to Qiandu again.

As one of the three giants in China's Internet, Qiandu is falling behind compared to Alibaba and Penguin.

Yes, I'm leaving behind.

Before, people said that Qiandu was not sure about the mobile Internet era.

This is right, and it is a bit wrong.

Because a very important feature in the mobile Internet era is that various companies have launched their own special apps.

Qiandu has no way to say it, search for content from the app.

In this way, the content obtained by Qiandu is much less, and basically all content in the PC industry is included.

In other words, the times have left Qiandu behind.

Qiandu doesn't want to fall behind either.

Qiandu has done a lot of things, Qiandu Finance and Qiandu Takeaway have tried them.

But the results are not good.

Han Songlin went to Qiandu with Chen Xin. At this time, the Qiandu shares held by Thc Investment have been reduced a lot.

Although Thc investment is still an important shareholder of Qiandu, Qiandu is no longer important for Thc investment.

Li Yanghong is undoubtedly a very capable person, a practical man and a talented man.

But in terms of his development strategy, he lacks some.

Qiandu has been constantly trying new businesses in recent years, but the new businesses have not developed, and are all supported by old businesses.

Qiandu’s search business is still bringing it a lot of revenue.

Qiandu is naturally extremely excellent in cash flow.

But having money alone is not enough, but you have to have a future.

Qiandu is the kind, and he is still making money now, and he is also making a lot of money.

But he can no longer see his future.

Research on artificial intelligence?

Research on driverless driving?

Qiandu invested a lot and took out some results, but they were not the strongest.

This is embarrassing.

Qianduke is known as the most technical Internet company in China.

"There have always been people online that Qiandu's internal management is rigid, but in fact I don't agree with it."

I can't remember how many times I visited Qiandu. Chen Xin has been here many times anyway.

Although Qiandu is behind now, it cannot be said that Qiandu is not strong.

"Qiandu has done the best he should do now."

Han Songlin raised his eyebrows, and some of them did not expect Chen Xin to comment on Qiandu like this.

In terms of business, Qiandu has no way to make breakthroughs.

Then we can only say that we can maximize the money-making ability of old businesses.

Now, the search business is facing competition from other companies.

Especially the company, which started with rogue software and then went against the scene.

Three Hundred Six Search has eaten up a lot of domestic search share.

Thousands of people develop overseas, and there is no way out.

Only available in the country.

After some thought, Han Songlin sighed. Qiandu’s strategic environment can be said to be extremely poor.

It is no exaggeration to say that he was trapped to death.

If you want to break the deadlock, where is the breakdown point?

Anyway, Han Songlin didn't know.

Qiandu also perceives his own dilemma, but they have no choice.

You can only take one step at a time.

Li Yanghong also knows the current problem of Qiandu. The search business has no choice but to face the current mobile Internet situation.

On the mobile Internet, content exists in the form of an app, which is equivalent to a pool being built and the content is enclosed in the pool.

Qiandu has no way to break through the exterior wall of the app to search for content in the pool.

Where is the main source of Internet content now?

Mobile Internet!

Internet content is generated every day, but Qiandu cannot provide users with new content searches.

Only the old money that can be used to eat PC terminals is left.

Qiandu is now investing in various new businesses, such as video business, live broadcast business, etc.

Search business is the core of Qiandu. Li Yanghong hopes to obtain artificial intelligence technology and apply it to search.

Han Songlin agreed to this.

Improving the accuracy of search is also a good thing.

It is becoming increasingly difficult to find what you want.

Barriers erected on the Internet.

The Internet is no longer the free sharing that used to be.

The times are developing, and there are few people with the spirit of sharing the Internet.
To be continued...