Chapter 905

"Credit system?"

Liu Yonghao was stunned: "how do you say this?"

"Mr. Liu, our Alipay was first used as a third-party guarantee. Buyers were afraid that the seller would not deliver the goods when they bought them, and the seller was afraid that the buyer would not give money when they delivered the goods, so our Alipay was pushed out for the purpose of providing guarantee to both buyers and sellers. In this way, both buyers and sellers can rest assured about it."

"I understand this. I have to say that your Alipay is very innovative, which also makes e-commerce possible."

"Therefore, it is precisely because Alipay plays a guarantee role. At the beginning of its establishment, it has the characteristics of credit. This makes buyers and sellers believe in us, so our Alipay has been promoted. Now, Alipay is used more and more widely, and we have established a user's credit system through Alipay."

"This system judges a person's credit rating through the user's buying and selling behavior, capital situation, etc. the higher the credit score, the stronger his performance ability. At the same time, through his credit score, we can achieve the purpose of risk control."

Chen Yu's explanation gave Liu Yonghao a thumbs up: "awesome, President Chen, how did you think of the credit system?"

Although their credit business has not yet started. However, if the payment link of Huanyu technology is used as a judgment of performance ability, there is no doubt that such a business is feasible. If a consumer is ready to make a loan, you can look at his credit score. If the credit score is not reached, his performance ability is relatively low and he can refuse to issue loans. If the credit score is enough, it means that he has a strong ability to repay the loan, and this business will be completed.

Although it can not be said that credit points can completely eliminate bad debts, with such an audit, the whole loan business will be much safer.

"We are forced out by the market. Unlike your banks, some of our commercial companies are customers who ask for loans. We ask customers to buy things and spend. You don't worry about no business at all. If we don't have business, we will have to go bankrupt... So we came up with such an idea."

"Mr. Chen, look at what you said, it seems that our bank has a capital of ten thousand profits."

Liu Yong scolded Chen Yu funny.

However, although Chen Yu's words are not so objective, the truth is correct.

Why don't their banks engage in credit loan business?

Do they have no money?

This is not at all.

They just don't want money problems.

Of course, they can also think of some ways to reduce the bad debt rate.

For example, they can also set up a credit system.

However, because banks don't worry about not doing business, they won't think in this direction at all.

"Mr. Liu, how about this business with my credit system?"

"Well done, of course."

Liu Yonghao nodded with satisfaction this time.

Although such business seems small, it is not.

Think about how many people buy mobile phones, computers and various electronic devices?

Even if each person has hundreds of yuan and more than 1000 yuan, it will add up to more.

Moreover, with their payment through Huanyu technology as credit guarantee, the bad debt rate is not without, but it can definitely be reduced to a safe level.

Such a business, they Minsheng Bank is certainly very welcome.

There is another problem. Not everyone has a pay through account.

It doesn't matter.

Huanyu technology can't do everyone's business.

As long as there are those people who pay through, this business has been incomparably large.

In fact, the current users of Alipay made by Chen Yu have been considerable.

In order to promote Alipay, Chen Yu bound Alipay business with Internet cafe management software.

In fact, the Internet cafe management account is also a pay through account. Users can also shop online through the Internet cafe.

It should be said that as long as they can surf the Internet, they basically have a pay through account.

"In that case, it's settled. I'll send someone to connect with Minsheng Bank for specific operation rules."

"No problem."

"Well, Mr. Liu, I won't delay you. I'll go back first."

"How can this be done? You rarely come here. How can I say that as a landlord, I have to do my best as a host."

"I'm too busy."

"No matter how busy you are, you can take time out. Listen to me this time. By the way, there will be a banquet tonight. They are all big guys in finance. In the future, you have to deal with them and show you."

"In that case, I'll listen to President Liu's arrangement."

I can't shirk it. Chen Yu can only promise.

……

"Mr. Liu, how did you arrive?"

"Didn't I bring a heavyweight guest?"

"Heavyweight, what are you talking about?"

"You see, I have no eyes."

That night, Liu Yonghao took Chen Yu to the banquet.

However, many people were surprised at Chen Yu beside Liu Yonghao.

I wonder why Liu Yonghao brought a young man here?

However, after Liu Yonghao's introduction, the people stared and couldn't believe it.

"Are you Chen Yu?"

"Doesn't it look like?"

"No, no... no, Mr. Chen, you really surprised us."

To say Huanyu technology Chen Yu, everyone has heard of it.

But when it comes to real people, few people have seen them.

But although I haven't seen him, who is Chen Yu.

People's names, the shadow of trees, Chen Yu's name, even a group of financial leaders should look at it.

"Come on, Mr. Chen, let me introduce you. This is Mr. Huang of the Agricultural Bank of China."

"This is president Li of the Bank of China."

"This is president Zheng of the Bank of communications."

"This is president Zhang of ICBC..."

Those who come are big men, and the lowest are at the vice president level.

Chen Yu shook hands with them one by one.

"Mr. Chen, I heard that you opened the account of Huanyu e-commerce in Minsheng Bank. Can you open some accounts to our industrial and Commercial Bank of China?"

At this time, president Zhang of ICBC said.

"What do I mean when I say Lao Zhang, rob business in front of me?"

Liu Yonghao glared at President Zhang.

"What is business robbery? Huanyu e-commerce business can't be swallowed by Minsheng Bank alone, can it?"

"No, Mr. Liu, you don't know. We all have opinions."

President Li of the Bank of China also said.

"Anyway, give us some points."

Zheng Zong of Bank of communications also said.

After that, they all looked at Chen Yu: "President Chen, what do you say?"

"Everyone, it's easy to say. If we have the opportunity, we can cooperate more."

Chen Yu didn't refuse what they said.

In the future, after the payment through business is large, a Minsheng Bank is absolutely uncertain.

Huanyu technology also has to cooperate with a number of domestic banks.

In addition, Chen Yu had to keep Alipay in close cooperation with major banks at the beginning.

Otherwise, if Alipay fails to grow and is strangled by their bank, Chen Yu will cry to death.

You know, a business like Alipay looks like a third-party payment tool.

But if he becomes big, any bank can do it.

This is why Mr. Ma had the confidence to say that if the bank does not change, we will change the bank.

In fact, he did.

But although it did, in the development of previous lives, a number of banks also regarded Alipay as their biggest competitor.

At this time, it hasn't developed so well. It's important to keep a low profile.

Moreover, Chen Yu also wants Alipay to cooperate with them and let the bank taste the sweetness.

In this way, it also has great benefits for the promotion of Alipay.

"I'll go, Chen Yu. I knew I wouldn't ask you to come to the party."

Seeing Chen Yu smiling and being polite to everyone, Liu Yonghao said depressed.

If the business of Alipay is given to a series of other banks, their business of Minsheng Bank will be less.

However, the other bigwigs are human beings. Seeing that Liu Yong is so depressed, they said, "President Liu, don't be so stingy. Besides, President Chen is also a shareholder of your Minsheng Bank. Do you think President Chen will still treat you Minsheng Bank badly?"

"That's right. We just need you to share some business."

"Come on, Mr. Liu, cheers. I'm really happy to see Mr. Chen today."

"Cut, you."

Liu Yonghao smiled bitterly.

But he also knows.

Sooner or later.

Huanyu technology will have a larger and larger volume in the future, and it is impossible to choose only Minsheng Bank.

At the same time, from the perspective of capital security, it is impossible for them to put a series of funds in Minsheng Bank.

Fortunately, Chen Yu is a shareholder of Minsheng Bank. The first consideration in a series of future businesses is Minsheng Bank.

In this way, Liu Yonghao is much more comfortable.

……

The other side.

While Chen Yu attended the banquet, Wu Haijun, founder of Shenzhou computer, was thinking all the time.

It's not that he doesn't want to join Huanyu technology at all.

Everyone knows that Huanyu technology platform is large and has great potential in the future.

They Shenzhou is just a computer company, and they don't have much technology.

But in the final analysis, Shenzhou is his own. He is the boss in Shenzhou.

It is the innate idea of many entrepreneurs to prefer chicken head to phoenix tail.

But Chen Yu's invitation made Wu Haijun look forward to it.

It's hard for him to make the Shenzhou big by himself.

therefore.

Whether to join or not, Wu Haijun is extremely tangled.

"Zhou Yong, Chen Yu, the boss of Huanyu technology, invited me to join them. What do you think?"

"Join them Huanyu computer, why?"

"They lack a general who can stand alone in Huanyu computer. I just make up for this lack."

"But what about our Shenzhou?"

"Chen Yu means to integrate into Huanyu computer, but Shenzhou can continue to maintain an independent brand, so I can also take care of Shenzhou."

"But haven't we been planning to go public?"

"Listing?"

Not to mention listing, Wu Haijun almost forgot.

In fact, no entrepreneur will forget such a major event as listing.

But what if Shenzhou has submitted three listing applications?

yes.

As early as a few years ago, Shenzhou launched the listing application.

However, the first time was called back soon.

Wu Haijun was not discouraged and continued to apply the next year.

He was called back the second time.

Wu Haijun continued to apply and called back for the third time.

In the fourth year, that is, this year's 2005, Shenzhou applied again.

For the time being, there is no reply from the top, but Wu Haijun has felt a little tired.

In order to go public, they do not know how long they have been raised, but they fail again and again.

"Zhou Yong, do you think we can pass the listing this time?"

"Great hope?"

Zhou Yong said: "the major securities companies disclosed to us a few days ago that they should be able to approve our listing application soon. Moreover, with such good performance this year, there is a great probability that we can be listed."

"I hope so."

Wu Haijun certainly hopes to be listed.

But he can't control such things.

However, thinking of listing, Wu Haijun's invitation to Chen Yu was delayed.

Anyway, let's look at the first batch first.

A few days later.

There's news from above.

Shenzhou's listing application was called back for the fourth time.