Chapter 1224

On the afternoon of the fourth.

Li Dong first met Mr. Zhang of the Ministry of industry and information technology.

The other side told Li Dong that the 3G license plate would be officially released at the end of this month.

The 3G license has been officially issued, and only three major telecom operators have obtained this qualification.

We will issue TD-SCDMA license to China Mobile, WCDMA to China Unicom and CDMA2000 to China Telecom.

For these professional things, Li Dong is too lazy to take any measures. He just needs to know that 3G license is issued.

The issuance of 3G license plate means that the mobile Internet era has officially arrived.

As for Li Dong to do it himself, he never thought about it.

Not to mention the professional problems, as far as he knows, the money invested by China Mobile in 3G is an extremely terrible number. In order to set up TD-SCDMA network, China Mobile has invested hundreds of billions and built countless base stations.

The result is good. In less than five years, 4G era has arrived.

The investment of hundreds of billions in the early stage can not be said to be invalid, but it is absolutely not making money and wasting a lot of resources.

Last time, Ma Yun discussed with him whether to set up a communication company and strive for the 3G operation right.

Li Dong refused without saying a word, but he knew it was not cost-effective.

Although Li Dong is concerned about the issue of 3G license, he is not worried about the failure because it is the operation of the three major operators.

Li Dong is more concerned about the issue of third-party payment licenses.

In fact, the Ministry of industry and information technology is not in charge of this matter.

The Ministry of industry and information technology has only the right to make suggestions. It is the central bank that is really in charge of this business.

When Li Dong asked about this, Mr. Zhang took a deep look at him and said, "Li Dong, recently, the central bank, the China Banking Regulatory Commission, the financial affairs office Several departments have held consultations and discussions.

Even some experts and operators in the field of payment are also involved.

We all have a common view that network payment is indispensable and should be regularized.

That is to say, it will be sooner or later, not too late, for the third-party payment business to promulgate laws and regulations.

But there is one point, we all have some disputes.

How to deal with the provision in the third party account?

Nowadays, due to the problem of settlement cycle, there are more and more provisions in your third-party accounts.

led by Alipay and WAN cartoon, your third party public trust account is up to 3 billion of the normal account, especially in some special periods, such as some activities. The payment is more than ten billion.

According to the definition of the central bank, network third-party payment belongs to non-financial institutions!

In other words, you can't settle the interest.

According to this standard, your provision system is a big problem. If the interest is entrusted to the bank, whether it belongs to the buyer or the seller, or to your third-party platform, is not allowed.

What should we do with the interest generated by these money and return it to the state?

I think you will not agree, and there is no precedent.

This is a difficult point, so far, there is no clear statement.

The second difficulty lies in the balance account you have launched.

The balance account and your third-party network public account are not current and are not provisions. This is the normal reserve.

What about the interest generated by the money?

Some people say that the interest belongs to whoever saves it.

But if so, it will conflict with your definition of non-financial institutions.

Someone from the CBRC suggested that these third-party accounts and balance accounts should be taken back to the central bank and the CBRC... "

As soon as minister Zhang finished speaking, Li Dong's face changed, and he gritted his teeth and said, "the skill of picking peaches is also excellent!

I am willing to carry out supervision, risk control, and even accept the entry of the investigation team!

Can want to incorporate us, no way!

The third-party payment system is very important to us. Once it is incorporated, there will be loopholes in our whole system, which we will never tolerate!

Have the central bank and the China Banking Regulatory Commission asked our enterprises for their opinions?

Do they really think that we are just going to kill the lamb and kill it if we want to? "

Seeing his anger, Mr. Zhang sighed: "don't be so excited. At present, it's just a suggestion. Most people don't agree.

We are not stupid, we all know that this will arouse the enterprise's rebellious psychology.

The forum, including some leaders, rejected the proposal.

However, some people say that it is not possible to go on like this. In the end, you payment platforms may eventually get involved in the financial industry, such as cooperating with monetary funds to pay interest. What do you say? "

Li Dong's face did not change. There was no shortage of fools in China.

It is not a lie to say that the first-class elites are in politics.In fact, it is not difficult to guess from the balance account and the third party account that the next 10000 cartoon or Alipay's road is the next step.

These reserves and reserves have to be solved in the end.

It seems that there are not many ways to solve this problem. Either the interest should be returned to the state or returned to the people.

It is not in line with the will of the government to take the money of the masses back to the state without any reason, and the government does not want to talk about it and make any suggestions on it.

The best way is to take it from the people and use it for them.

But once this happens, the third-party payment platform will occupy the territory of the financial industry, which is actually a dead end.

Some people suggest that interest payment should be made after nationalization, which is equivalent to the distribution of banking outlets on the Internet.

But in this way, it is easy to cause enterprises to rebound.

So the situation is a little complicated.

In fact, it would be better if Li Dong didn't launch the balance account. Before, we only focused on the provision of public accounts, but not the reserve.

Now, people are thinking more.

In fact, these are not expected by Li Dong. He is not a God. How can he consider so much.

At the beginning, the account was launched for the convenience of the public and for the preparation in the future, so as to seize the mobile payment market.

It turned out to be good, but now I've caught myself.

Seeing that Li Dong didn't speak, Mr. Zhang sighed again and said, "you, the entrepreneurs of this generation are really different from before.

You have the courage to break all traditions and the determination to be the first.

But you have to consider clearly, the final result, may not be as you like.

Ma Yun Internet Conference that day, and you the same way, threatened to change the bank.

Originally, it was a joke to listen to, but as a result, you launched ten thousand cartoon mobile payment service, balance balance business

I heard from the central bank that when the research team is far away, you are even ready to launch the QR code payment business!

Li Dong, I support this kind of action from the bottom of my heart.

Isn't the country getting better and better just in the process of change?

However, there are some things that you can't blame for worrying about. The stability of the financial market is of great importance.

If you take the lead in breaking the traditional rules before there is no practical way, it is likely to cause a series of problems.

You go too fast, so that everyone can't keep up with you, so that we haven't responded. Under such circumstances, how dare other people agree casually?

Li Dong, the old man is relying on the old and selling the old today. If you want to get more support, you should stop and let go of some things.

When the road ahead is stable and ready, it's not too late to talk about anything else. What do you say? "

Li Dong said in a deep voice: "Mr. Zhang, I know your concerns.

It is also known that this may have some uncertain effects.

But is it because there are concerns, because of choking, even do not eat rice?

Stability is the most important thing. I understand it. But I agree that we should try it out first and then promote it. Isn't it OK?

I also agree that all departments will be stationed in wancartoon for supervision. Once there is a problem, it can be stopped at any time.

Even, I dare to take the distance to guarantee!

Risk, loss, I will pay for the loss!

At least, at present, we have not expanded to the scale of 100 billion. Is it so difficult to promote pilot projects?

We are not afraid that we will seize the traditional territory of the financial industry!

But everyone is changing, and we will die if we don't change. Do we have to wait for them to change?

The existence of enterprises is not to check and make up for deficiencies. On the contrary, enterprises should be the vanguard. We have the state and the government as the backing!

Once there is a change, the government will find out the deficiencies and make up for the loopholes. This is the market, the business and the finance!

I don't mean to whom I say these things, but some people and some industries have too much traditional ideas.

The society is changing. Now that China is in line with the world, we have to accept this change and continue to adhere to the idea of unchangeable territory. What's the difference between being closed to the outside world? "

"Li Dong!"

Mr. Zhang rebuked, slightly waved his hand and said, "some words are too absolute.

Don't be so radical, and don't rush to get angry. Things have to be solved step by step. Anger can't solve the problem. "

After drinking tea, Li Dong's face returned to normal. He nodded and said, "I understand, but Sir, I'm really not reconciled to it."

Mr. Zhang sighed: "put away these unwilling, I will continue to fight for you.

It's not just me, but a lot of people are fighting for it.

But everything takes time. I just hope you can slow down your pace for a while.

You don't know, because you moved so fast, we just reached a compromise and reached an agreement, and then we were confused by your new plan.You've got to give people a little relief, don't you think? "

Li Dong nodded again, and he understood the truth.

I know that some things are right and harmless, but that is because I have experienced it.

Other people are not gods. There are some things that need to be accepted a little bit.

As a result, they just accepted the change in front of them, and Li Dong changed in the back, which made everyone confused.

Now, it's not only the second generation who regard Li Dong as the God of plague. The central bank and other financial institutions and some Internet institutions are almost using him as a god of plague.

This guy, I don't know how many jobs and troubles he has added to them these days.

The central bank even suggested to the higher authorities whether to send a resident group to settle down in the distance.

So as not to make them dizzy and disoriented.

Li Dong and Mr. Zhang talked for a long time, and finally appreciated the old man for a while before shaking hands with the old man.

After saying goodbye to Mr. Zhang, Li Dong made an appointment with a vice president of the central bank in the evening.

This vice president was appointed through the introduction of Li Dong, the director of the financial stability bureau and the head of the research group of wancartoon.

In the evening, Li Dong talked with each other for a long time.

The main content is the planning, layout, purpose, and a series of commitments.

……

Li Dong was full of wine when he came out of the hotel.

Just got on the bus, Li Dong's mobile phone rang, and Shen Xi called.

After saying a few words, Shen Qian whispered, "tired?"

"A little bit."

"Li Dong, if you really can't, give up internet finance.

As long as online payment is not banned, it will not have a great impact on our layout.

Don't you want to let go of yourself?

Now, in order to promote this, you continue to put yourself in a cage, suffering and suffering, but also bear a lot of risks... "

Li Dong pulled his collar and breathed: "I know what you mean.

I have said before that I can break some barriers and shackles to make my life easier.

Now, that's what I'm working on.

If you don't break these shackles, you will live forever. Under this kind of imprisonment, there is no freedom to speak of.

You try to break it, the process is naturally difficult, but when you break through, the imprisonment is no longer the imprisonment.

A few years ago, I came to Beijing to do business. In order to issue 3 billion bonds, I begged my grandfather to sue his grandmother and be a grandson. When I saw someone, I called my grandfather.

A few years later, I'll come back. He's no longer a grandfather.

Nowadays, there are not many people who can let me call my Lord.

I don't want to be a grandson all the time, so I want to break some things step by step.

At this point, in my career, what I pursue is not only money, but also the feeling of breaking barriers and imprisonment.

So, if you want me to give up, it's impossible, unless there's really no way to go. "

Shen Xi was silent and said for a long time: "if you have made your own decision, let it go.

However, in the capital, if you have something to discuss with my father, maybe he can give you some suggestions

Shen Xi didn't want to touch Sun Tzu.

Under such circumstances, it is difficult for a businessman to achieve this.

Li Dong's retail eco system, Internet plus system, seems to be preparing for this sentence.

Shen Xi knows the difficulties, but she can provide limited help to Li Dong. Now, the only person she knows who can give Li Dong some help and advice is probably Du Anmin.

Hearing the speech, Li Dong said with a smile, "OK, I wanted to visit before.

It's too late today. Go tomorrow. Go to bed early. Don't worry about me.

I now look at the difficulties and obstacles, in fact, it is my own intention to seek some breakthrough and stimulation, so as not to consume all my fighting spirit.

If I really have no way to go, I won't be stupid and have to do it, so I don't have to worry about it. "

"Well, you should have a rest earlier..."

“……”

After a few words, Li Dong hung up.

Take the mobile phone to look through the address book, want to make a call out, finally put down the mobile phone, lean on the seat for a rest.

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