Chapter 1032: Ye Zihua’s Daughter-in-Law Is Pregnant and a Small Personal Deposit License

, the reborn tech upstart

After the new year, the village suddenly became lively, and many people began to return to the countryside to celebrate the new year. Even if they were not in the country to celebrate the new year, they still had to clean up the houses in the country.

Urbanization is inevitable for social development. Their village is only ten minutes away from the county seat, but if they have money, they will still buy a house in the county.

Usually children are placed in the county to study, and the schools in the countryside have shrunk sharply. According to the traditional concept, the quality of education in the county must be better than that in the countryside.

Even if the New Oriental Education Group organizes a large number of free teacher trainings every year, it still cannot change this concept, and this kind of atmosphere will make many people follow blindly.

Fortunately, even if the number of students is greatly reduced, the rural school has not chosen to close down. As long as there is one student who is still studying here, the school will operate normally.

I don't know if this is the case in other places. Anyway, this is the case in their counties. The county government has a lot of money every year and can afford these expenses.

Not to mention other financial revenues, the fast-growing pearl industry alone brings a large amount of tax revenue to the government every year. The total tax revenue of the county government is more than the combined tax revenue of all districts of prefecture-level cities.

If the county was not too far away from the city center, it would have been merged into a district by Xunyang City long ago. Last year, the county's gdp should have reached 600 billion yuan.

As a county with a total population of just over 600,000 and a foreign population of less than 700,000, it has achieved very impressive results, with a per capita GDP of 850,000 yuan.

The three pillar industries in the county are smart medical wearable equipment manufacturing industry and related service industry, food production and processing industry such as stewed products, and pearl breeding and processing industry.

In addition, there are other industries that are not very large, such as the shipbuilding industry, the transformation of scientific research achievements of Tianwen Medical College, etc., and the GDP created together is not very small.

The entire Xunyang area is at a significant disadvantage in terms of population, with a total population of just over 4.5 million, which is far behind the tens of millions of people in first-tier cities.

But in terms of gdp data, they are definitely qualified to break their wrists. Kirin Textile Industry Group, Kirin Electric Industry Group, Taiji Pharmaceutical Group, and Taiji Medical Equipment Group are all headquartered here.

Although this kind of large group has a nationwide layout, as the headquarters, it must be close to the water, and it still has a large number of industries, and the economic scale it brings is very large.

In addition, there are many other industries that the group has deployed here. After all, Xunyang is also an important city for shipping on the Yangtze River, and its location advantage is obvious, which can save a lot of transportation costs.

Although last year's economic data has not yet come out, according to estimates based on his data, the GDP of the entire Xunyang region should have reached 3.1 trillion yuan last year.

As for the first-tier cities in China, due to Ye Zishu's economic balance policy, they are not as strong as in his previous life. The industries he has deployed in the first-tier cities are actually very limited.

For example, there are only a few companies under Taiji Health Products Company, Phoenix Software Company, and Shengshi Culture Group in the capital. Among them, the headquarters of Shengshi Toys Company has moved out, and many industrial headquarters of Shengshi Entertainment Company are not in the capital.

There are only three companies in Shanghai, the headquarters of Taiji Medical Group, Jiufeng Software Company, and Tidal Financial Group. Among them, Jiufeng has created good jobs, and the other two are only headquartered here. Many specific businesses are distributed across the country and even the world.

And these businesses distributed across the country, tax revenue and jobs created are all located in the business location, and the benefits obtained by the headquarters location are actually not that much.

Needless to say, Shenzhen is the headquarters of Xuanwu Technology Co., Ltd. Later, the headquarters of Shengshi Toys Co., Ltd. was also moved to Shenzhen in order to carry out international business.

The industry laid out in Guangzhou is only the Kunpeng Information Technology Company that was later relocated. However, with this enterprise, Guangzhou has also become one of the most important Internet centers in the world.

But with the establishment of the Social Security Fund,

A large number of people began to lose. Population and economy are inextricably linked. If the population is lost, the economy will naturally fall back.

The county towns are the ones with the largest population, and there are still a small number of people who return to the countryside. After all, farming can’t make money, and it’s boring to stay in the countryside all day, so they usually choose the county towns to buy houses.

In addition, New Oriental Education Group has done a very good job in education. There is no essential difference between children going to school in the county and going to school in a big city.

Anyway, the money they get now is enough for them to travel many times a year. It is not only in big cities that they have a broad view. This is a characteristic of the current economy.

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As the social security fund operates better and better, the entire social and economic system will be reshaped. To compete for population, local governments must improve their service capabilities and provide more public goods.

Population will eventually become the absolute indicator of the economy of each region. Even if there is no local industry, the commercial prosperity brought by the huge population can also stimulate the development of local business.

Of course, this is only for ordinary people. For the truly rich, they will still migrate to big cities. After all, there are still many more business opportunities in big cities than in small places.

Even Ye Zishu, who lives in the countryside, has a deep feeling for the changes in society. The originally lively village gradually calmed down with the increase of migrant workers.

Later, the development of the county's economic layout allowed many people to find jobs in the county, and people began to return to their hometowns to work, making the quiet small village much more lively than before.

However, with the change of social distribution rules and the change of people's ideas, the village has become more and more quiet, and everyone usually lives in the county.

Only when encountering major events, or when staying in the county is boring, will they return to the countryside to live for a few days. This kind of life style will become more and more common. When Ye Zishu changed the rules of social distribution, he had already thought of it.

It can even be said that he knew that such a day would come a long time ago, and that's why he asked Wancheng Foundation to build such a large house in the county, so that people living in the city would have enough living space.

This time when everyone returned to the village, his house was much more lively than before, and the way everyone looked at him was very different from before, and he knew the reason.

After all, the place where the five divine beasts appeared was above their village, so it was hard for people not to think of him. In everyone's mind, only he could attract such auspiciousness.

However, this kind of thing was only said in private, and he did not publicly talk about the relationship between the five gods and beasts in front of him, but this topic was still very hot.

As long as people get together to chat, they will inevitably talk about it. If his family is not there, they will inevitably get in touch with his family to talk about it. Ye Shu is also clear about this.

Some time ago, both Pei Qing and Ye Zishu were busy with many things, so they didn't have time to go to the capital to pay New Year's greetings to Pei Qing's parents.

Now that everyone has finished the task at hand, they decided to go to the capital after spending the new year at home to pay New Year's greetings to her parents. With super equipment, it is not troublesome to go to the capital.

When I went to her parents' house this time, her two older brothers naturally came over, and I learned from her older brothers that their supermarket business had ceased because they didn't make money.

In the past, it was still very profitable to open a supermarket. If you master the channels, you can control the lifeline of the market, but the situation is different now. It will become more and more difficult to make money in the previous way.

First of all, the invasion of large supermarkets is becoming more and more obvious. In the past, large supermarkets mainly competed for important markets, and they had no time to pay attention to those small supermarkets.

After the main market is divided up, if you want to continue to expand your business and market, you can only start to compete for the market share of small supermarkets, making it more and more difficult for small supermarkets to operate.

The second is the rapid increase in labor costs, which has severely reduced the profit margins of small supermarkets. In the past, when operating supermarkets, the gross profit could reach the level of 20%, and even the net profit rate could reach more than 15%.

On the one hand, it is due to the high sales price, and on the other hand, the labor cost is low. Although Ye Zishu is desperately raising the salary of its employees, the salary increase outside the company is also very fast.

But there are always people who can't get the average salary. In order to support their families in Hukou, even if the money is not much, there are people who do it. Anyway, there are so many people in the country, and there is never a shortage of labor.

It’s just that after the establishment of the social security fund, everything changed. If the salary is lower than the social security fund, this job is doomed to find no one to do it.

So we can only hire robots to do it, but the employment fee of robots is not low. For service jobs like supermarkets, the employment fee of robots is generally 1.2 times that of the social security standard. As the duration increases, the employment fee will continue to increase.

In the past, these bosses still had high bargaining power over ordinary labor, but their bargaining power was very weak when hiring robots. After all, robot services belonged to monopoly operations.

Then it is difficult to increase the price at the sales end in a short period of time. The price at the market sales end is not determined by these small supermarket operators, but by large supermarkets.

In fact, it is still decided by his companies. In his instructions, he believes that channel dealers have made too much money in the past, which is not conducive to the development of physical retail.

If we continue with the previous business model, we will inevitably face huge challenges from online retailing in the future, and it is very likely that physical retailing will become more and more lonely like in the previous life.

Therefore, he asked his retail companies to reduce the channel revenue space as much as possible. Therefore, in the case of a substantial increase in labor costs, they did not increase retail prices.

In this way, it lowers its own benefit space, and at the same time completely squeezes competitors out of the market, relying on a strong logistics supply system and intelligent information system.

Under the same selling price and labor cost, they still earn a lot more than their peers. Not to mention the small supermarket of the brother-in-law, even the international supermarket chain brands that have entered the country have also retreated.

In the situation of being blocked at both ends, if you want to tap the business potential, you must start with every detail. Many business companies do not have this ability and technology, and they are naturally eliminated by the market.

In fact, not only retail, but also the income of all trading links in the future will be severely compressed. The situation is similar to that of retail. On the premise that prices do not rise, labor costs will increase significantly, and the profit margin of operators will naturally not be high.

The previous extensive business model will be eliminated in this change, and the future market will be reserved for companies with fine operations. In this round of reshuffle, his companies will benefit the most.

Still taking the retail industry as an example, he asked his retail companies to try to control the net profit margin at around 5%. According to his regulations, the net profit margin of other retail companies will only be lower, and they will lose money if they are not careful.

Ordinary brands like the Xiaodangjia Catering Group will gradually implement this regulation. On the premise of not increasing prices, as labor costs continue to increase, their operating profits will gradually be reduced.

This will be the norm in the future, and it will become more and more difficult to make money in a simple and crude way. The domestic market is no longer the extensive development model of the past.

In the past, there were many opportunities. As long as you dare to do it, you can basically make money. If you want to make money in the future, if you don’t have any knowledge and ability, basically don’t think about it.

This is what Ye Shu wants to see. In the future, the space for capital gains will be lower and lower, and the proportion of labor in capital gains will become higher and higher.

Of course, there is also a way to obtain high profits, that is to engage in high-tech industries and form a technological monopoly advantage. This method is a means of obtaining high profits no matter what era it is in.

It's just that the high-tech industry has a lot of investment and a high density of knowledge. It's really impossible to do nothing. He started his business with technology. In this regard, his industries are really not afraid.

Now Pei Qing's brother has also applied for unemployment and received social security funds, but Pei Qing will still give some money every month. In fact, life is not bad, but it is impossible to spend money lavishly.

Pei Qing's income mainly comes from the salary and bonuses of the president of Tai Chi Group. As for the monthly allowance given by Ye Zishu, it is impossible for Pei Qing to use it to support her parents and brothers.

What's more, the two brothers still have a bad precedent. It is not a good thing to give too much money, just let them live comfortably. If you want to live a luxurious life, don't think about it.

Originally, Ye Zishu wanted to visit Guo Dongsheng's mother, but after thinking about it, he decided to forget it. Guo Dongsheng's daughter-in-law gave birth to a fat boy, and his mother would not be as lonely as before, and he no longer needed special care from him.

What's more, he plans to gradually reduce the involvement of the outside world, and focus on research in the future. In recent years, he has also followed this idea.

Ye Zishu and Pei Qing returned home that day. In the evening, Ye Zihua brought his wife back to their hometown by private plane from Shanghai, and his father even drove to pick him up.

The reason was that Ye Zihua's daughter-in-law was pregnant. When she heard the news, her parents were happy for a while, and even went to the capital to see her daughter-in-law to express their parents' concern.

Ye Zishu didn't make any moves here. It's not that Ye Zishu is unfeeling, but this is a habit here. After the separation, they basically live their own lives.

Pei Qing originally planned to go and see her, after all, she was considered a sister-in-law, but her status was actually a bit embarrassing, mainly because she hadn't given birth to a child for so many years, so she gave up the thought of visiting.

It wasn't that Ye Zishu didn't want her to give birth, but she felt that she could wait a little longer, especially when she learned that Ye Zishu had a way to make her lifespan very long, so she wasn't so anxious about giving birth.

What's more, she is the president of Taiji Group. She is clear about what technology Taiji Group has. With the blessing of many technologies, the relationship between fertility and age has become more and more indifferent.

For example, Taiji Group has cell reversal technology, which can reverse somatic cells into embryonic cells, and even into germ cells. These are very mature technologies.

Just because it is not a natural process, it has not been used on a large scale in the market, but it is widely used in other biological reproduction fields, and the most used one is the Qilin Agricultural Development Group.

There is also the in vitro inoculation technology developed by Ye Zishu. Although it has not been used on a large scale in the market, the technology is very mature. So far, there has been no accident in all the experimental cases.

In addition, she also knows Ye Zishu's character, and she doesn't need to rely on having children to tie down men like other women, and she is relatively independent, so she can live a good life when she really reaches that point.

In this regard, Ye Zishu still respects Pei Qing's thoughts. For him who has a long life, the necessity of having a child is not high, at least not so urgent.

So Ye Zishu, who will be 30 years old soon after Chinese New Year, still hasn't got a grandchild for his parents, so it's not surprising that Ye Zihua's daughter-in-law is pregnant.

If it weren't for knowing that they hired a general-purpose robot to take care of him, his mother would probably live there, and according to the practice here, both parents are responsible for taking care of him.

Ye Zihua came back to live in his own house, and brought his daughter-in-law to visit his parents the next day, and then took the time to come over to read Ye Zi's book and report to him about the operation of Tidal Group.

If there is nothing to report to him, in fact, it doesn't matter if Ye Zihua doesn't come to visit, because there is no such management here, and the brothers have separated, basically they really have their own lives.

Those who have a good relationship, that is, get together during the New Year's Eve, those who have a normal relationship, and basically seldom interact with each other. Only when things really happen, can you see how the relationship between brothers is.

In the past, Ye Zihua didn't have a family, so he had to take care of him as an older brother. Now that he has a family, he doesn't need to treat him like before. After all, Ye Zihua is already the head of the family, and he should bear his own responsibilities.

This way of getting along has both advantages and disadvantages. The disadvantage is that they don't feel so intimate. They don't even need to move around with each other during Chinese New Year and holidays. They live a little farther away, and there is not much difference between them and strangers.

They only meet each other during the New Year's greetings at their parents' house every year, which is why Ye Zihua seldom visits since he brought Pei Qing to live together.

Of course, there is still a big difference between brothers and sisters. As long as the younger sisters come over, he welcomes them, not to mention that the two younger sisters are not married, and it is still the same as usual.

The advantage is that once a person has a family, even if he was playful and unstable before, he will grow up quickly, because once he has a family, he will not have the special care of his brothers and parents.

All the big and small things in the family have to be carried by themselves. The life of the small family is directly related to their efforts. It is impossible to ask brothers to support them.

It is a common principle among them to save the emergency but not the poor. Unless it is an emergency, such as a serious illness, or getting married, if the money is not enough, personal friends will generally borrow it.

If the family is very poor, it is more difficult to borrow money, and generally they will not borrow money for this, and can only rely on their own efforts to make money to improve their lives.

It is precisely because of this habit that they do not have a strong dependence on each other. Like Ye Zishu who has made so much money, there must be people in their village who are jealous.

But there have never been any people who came to the door to borrow money for free. If they did, it would be really shameless, so don't mess around, and people will say it.

Fortunately, Ye Zishu didn't really take care of it at all. He gave everyone the opportunity to participate in the Juewei Food Group and lead everyone to become rich.

Of course, it doesn’t mean that you don’t help brothers at all. One fence has three stakes. If you want to do big things, grouping together is always an effective way. In the past, when you went out to work, the people who went out first and then took the villagers out. This is the way of life. embodiment.

Specifically, between brothers, if there is a chance to take care of the brothers, they will still take care of the brothers, but the brothers must be able to support the situation. If the mud cannot support the wall, they will generally not take care of them, because bad things may happen.

Fortunately, the four brothers and sisters in their family are all capable people. He only needs to make some arrangements, and they can each support a mess of things, which also saves him a lot of trouble.

Many things that Ye Zihua reported were reflected in the annual report, so he quietly became an audience, but there is still a big gap between listening to the report and reading the annual report.

Listening to Ye Zihua's report, you can hear many details that are not reflected in the annual report, such as the secret behind the rapid development of a certain business, which will not be directly reflected in the annual report.

For example, in their insurance business last year, the reinsurance business developed very rapidly. The reason is that the proportion of international trade settled in universe currency is getting higher and higher, and the scale is getting bigger and bigger.

Many trades need to purchase reinsurance business to reduce the risks in international trade. In the past, this area was basically monopolized by European and American insurance companies, because they were very strong in this area at that time.

It’s different now. Tidal Group’s advantages in developing reinsurance business are very obvious, and you don’t have to worry that they can’t afford to pay or can’t handle many things.

Therefore, it is logical that many insurance businesses in international trade are gradually included in the scope of business of Tidal Group.

These things will not be detailed in the annual report, or even listed separately, and all of them will be summarized in the international insurance project.

After reporting these contents, Ye Zihua mentioned one thing, which caught the attention of Ye Zishu, that is, the state allows Tidal Bank to carry out personal deposit business.

In the past, Tidal Bank was a private bank and controlled 100% of the shares. Therefore, when applying for a banking license, it did not provide small deposits for individuals.

This time, Ye Zishu had to think carefully about why they were suddenly opened up this time. This kind of special care is definitely not a common practice, because the supervision of this kind of private bank is more difficult than that of ordinary commercial banks.

In the previous life, commercial banks could be run away by shareholders, let alone this kind of private bank, for the benefit of many small and medium-sized depositors, they would not open such an opening casually.

He thought about it, and there were only two reasons. The first one was that Wancheng Jiye had donated a huge amount of assets this time, so it was logical to give him some benefits now.

The second is that since Tidal Bank has relied on its operations, it has been very standardized and responsible, and its operating capabilities and professional ethics have been recognized by the national financial regulatory authorities.

The country believes that Tidal Bank's small personal deposit business will not happen as they expected, and its safety can be guaranteed.

And if they want to obtain this operating authority, they need to be audited by the financial regulatory department every quarter. Although they are very assured of Tidal Bank, there will be no lack of supervision, and institutional construction is always more reliable than pure trust.

Ye Zishu didn't dislike this, anyway, Tidal Bank didn't run any shady business, and there was no problem in accepting the quarterly audit.

Moreover, it was the state that helped him keep an eye on the Tidal Bank, and he personally had to thank the state, so Ye Zishu naturally agreed to such a regulation.

The third is that Ye Zishu’s wealth is incomparable to a country’s wealth as a guarantee. If there is a donation and fleeing, Ye Zishu’s other assets are also sufficient to compensate for the loss.

The assets under his banner are so huge that it is impossible to move them away overnight, and Ye Zishu will not do so, so with this layer of protection, the country does not have to worry.

Although it doesn't matter whether he has it or not, because relying on his huge industry, Tidal Bank does not lack deposits, and its business scale is still the largest in the country.

But he will not refuse, because the future is unpredictable, with this business, there is also an additional insurance, in case of future changes, it will not let Tidal Bank fall into a slump.