Chapter 1558

In the hotel.

When Li Dong arrived, Ma Yun and they were ready to go downstairs for lunch.

Seeing that Li Dong arrived, Ma Yun looked at him with a smile. After a long time, he said, "you came very early. I thought you could come in the afternoon. It seems that you are still young."

"What's the matter.

I've been so busy these days that I have something to do in the afternoon. Please hurry up. "

"What's the rush?"

Ma Yun laughed, then turned to see a few other people: "then let's have a chat while eating, while Li Dabao has not yet fallen into the gentle village, give the matter down."

Ma Yun is not a person, and there are several people behind him.

Hearing Ma Yun's words, they all laughed together.

Li Dong didn't care. He walked and said, "what's the matter? We are rivals now. What can you do for me

"It seems that you have been really slack lately."

Ma Yun sighed and shook his head: "recently, you will not really be one-sided into the gentle country, are you?

The government has recently introduced many new policies, almost all of which involve Internet Finance and Internet payment business.

There are good news and bad news.

From the overall situation, the government supports the germination of new industries, but from the details, safety first and risk reduction.

In a word, it can be promoted, but strict control measures should be taken.

In fact, I want to talk to you about this issue.

You are the first person in Internet finance. This concept is also put forward by you.

Now, you push to half, SA Ya Zi ran away, we can all be in a dilemma.

Yu'ebao is limited. I heard that it is not passive but active.

Li Dong, you give us the bottom line, what do you think?

Now everyone is watching the action of cartoon. As one of the vanguard forces, once the vanguard is retracted, it will have a great impact on the whole industry.

In other words, you shrink too fast this time. We just got on the horse, even just about to mount it. Even you, Li Dong, withdrew. How do you want us to continue?

The central bank, the China Banking Regulatory Commission, including some regulatory agencies, have recently introduced a number of policies.

Including the issue of provisions! "

Ma Yun said this, slightly frowned: "according to the new policies of several companies, in the future, the reserves of non-financial Payment institutions must be set up in commercial banks.

These accounts are not opened in the name of our company, nor in the name of individuals, let alone in the name of customers.

But unified planning!

That is to say, in the future, these Provisions have nothing to do with us. We can't intervene in them. They can only be supervised by government agencies.

What's more, even the invoice we issue is no longer related to the provision, but to the service amount invoice.

This is actually a disguised narrowing of our rights and regulatory scope... "

Li Dong said calmly: "normal."

"Normal?"

Ma Yun frowned and said, "you think it's normal, but I don't think it's normal!

Payment permits. We've got them all.

I thought that getting the payment license meant that we were accepted by financial institutions.

As a matter of fact, we are all non-financial institutions now. A management method for non-financial institutions has almost sealed our way. "

"What do you want to do?"

Li Dong asked, "with the advent of the mobile Internet era, online payment has become a normal.

At this time, it is no longer the previous separate online shopping market.

In the past, the amount of money involved in our payment institutions reached the level of 100 billion yuan every year.

But now?

Now, in the first quarter alone, the inflow and outflow of funds from the cartoon are frightening.

In the first quarter, ten thousand cards from various channels, a total of more than 400 billion capital inflow!

This market is still expanding. There will only be more in the second quarter and more in the future.

In the whole year, the inflow of ten thousand cards may exceed two trillion!

Ma, do you think the government will not regulate such a large amount of capital flow?

There is not much we can do now... "

Ma Yun shook his head and said, "you are wrong, we can do a lot!

If you don't fight for something, others won't give it to you. On the contrary, if you don't need it, you won't be given it.

Just like before, the payment license plate can come down, it is because we strive for it again and again.

If we don't fight for it, let alone last year, this year and even next year!

This is the difference between hard work and no effort. If you are submissive and support any policy, sooner or later you will be trapped in a small circle and eventually die or decline.And this is not what we want to see.

We may not be able to reverse the overall situation, but at least we need to make some actions to let others see that we also hope that the industry can become better, perfect supervision can be achieved, and the most powerful risk control measures can be taken! "

"What do you want me to do

Li Dong goes straight to the subject. He wants to see what Ma Yun says.

Ma Yun said with a smile, "eat first, and talk about it later."

"I'm not hungry. As soon as I've eaten, you can tell me your purpose, so that I won't be able to eat later."

Ma Yun turned his head and looked at him. After a long time, he said, "it's simple. The purpose of coming with me is actually beneficial to you.

At present, we have reached an initial intention.

First, as always, we unite again to make our own voice.

Third party payment institutions should not be included in the non-financial system, especially after the issuance of payment licenses, we are also the regular army, not the wild way any more!

Now that the government has passed the examination and issued us a formal license, it means that they have recognized us.

There is no reason to double standard, critical moment for us to define as non-financial institutions.

Internet finance, that is also the financial industry!

Second, some private banks apply for loans and licenses.

Money, no reason to flow from our hands, eventually cheap others.

The Internet financial industry needs to be improved. Single payment and monetary fund are not enough to support a new industry and Industry... "

"Oh..."

Li Dong's sincerity is insufficient ground perfunctory, Ma Yun frowns: "do you have different opinion?"

Li Dong said with a smile, "no, but I won't participate."

"Why!"

Not only Ma Yun, but also the boss of other payment institutions.

If Li Dong doesn't participate, how can we play!

Li Dong curled his lips, some speechless way: "why do I still want to do something important, just this matter?

That's you, not me.

Well, to be honest, I'm applying for a consumer finance license right now. Once the application is approved, all the problems will not be problems.

So, there are still some differences between me and you.

Why do you think I've given up when I haven't moved yet? "

Li Dong sneered. In the financial field, there are several big licenses that must be obtained.

In particular, in the new financial sector, licensing is fundamental.

First, the third party pays for the license plate. In fact, it is not very difficult to get it.

Before the issue of the license plate, many enterprises got their hands.

Second, Internet funds and sales licenses.

This is also the new policy that appeared not long ago. It is also because of the emergence of such monetary funds as yu'ebao and the adjustment made by the central bank and the Securities Regulatory Commission.

At the same time, it also issued a third license, the Internet insurance license.

These license plates can be obtained from afar, and Ali can also get them.

The remaining several license plates are more difficult.

Ma Yun's private banking license, Internet microfinance license

At present, they have not yet come out with the intention. The government said that they would issue them. Ma Yun obviously meant to continue to urge the government to introduce these policies as before.

Once you have these licenses, it will be much easier to do. Some of the restrictions and violations are no longer a problem.

In particular, Ma Yun said a long time ago that it was necessary to support small and medium-sized enterprises.

How to support it?

Loan, of course!

But without the small loan license, the loan is illegal, especially between these enterprises to enterprises.

You can get a license, not only compliance, but also leverage.

In other words, once they get the small loan license, they can use not only their own money, but also some provisions.

Of course, the leverage is also limited.

What can really achieve high leverage and small restrictions is actually the consumer finance license plate.

Consumer finance license plate, a consumption, represents a lot of things.

This is in 2008, the economic crisis, the state in order to promote stimulating consumption, just put out the new policy.

Consumer finance, including automobile consumption, education consumption, decoration consumption, tourism consumption

In short, except for housing loans, all other consumer loans, as long as you get this license, you can do it, not limited to a certain field.

Ma Yun said that the small loan license plate, in fact, is very limited, including the amount of money.

Consumer license covers many fields, and the conditions for obtaining a consumer finance license are higher than those for all licenses.

Once Li Dong's application is successful, then, Wan cartoon can do a lot of business.It is no longer the early illegal operation, but seriously treat myself as an online bank, which is in compliance with the regulations.

Of course, the application requirements for consumer finance licenses are also very high.

Otherwise, Li Dong would not say that he was different from others.

What are the conditions?

First, the total assets of financial institutions as sponsors at the end of the year should not be less than 60 billion yuan; second, the revenue of non-financial institutions should not be less than 30 billion yuan.

What is the concept?

The concept is that the three bat companies together have an annual revenue of less than 30 billion.

How to apply?

, especially Ali, has stripped Alipay, and if it does not take Ali as its initiator, but Alipay alone as its sponsor, Alipay will earn 30 billion of its annual revenue.

Revenue, that is the actual performance of the enterprise, not the running water. This is different.

Therefore, today's domestic Internet enterprises, including Internet Payment institutions, none of them meet the requirements, and the gap is still very large!

Unless they don't take themselves as sponsors, there will be another problem, the problem of shareholders!

In the distance, there are no such restrictions.

Wan cartoon can apply with remote holding as the controlling party as the initiator. The revenue and assets of remote holding, which is the current remote group, exceed the requirements.

If you apply from afar, there is a great possibility of passing the application. The only defect lies in the fact that the establishment time of wancartoon is not too long, and it can not produce a perfect financial report.

Of course, these problems are not big in fact, and they are much simpler than the hard conditions.

Remote is currently applying. Once it is approved, it can officially lend to foreign countries.

And with these licenses, especially consumer finance licenses, there are more things that can be done.

General small loan license plate, can support two to three times of leverage on the top of the sky.

Your capital is 100 million yuan, and the maximum loan is 2.3 billion yuan, which is extremely risky.

Consumer finance, because of its short cycle and high leverage ratio, can generally support five to ten times of leverage.

You have a capital of 100 million yuan, and you can make a loan of 1 billion yuan.

Of course, this requires a lot of risk, but in fact, the risk is much smaller than that of small loans.

Once he has obtained the consumer finance license from afar, Li Dong can regard himself as a bank. It is a commercial bank, not a private bank with great limitations.

He said this, the other people are ugly, Ma Yun is in the heart secretly scold, bully people is right!

He had forgotten this, and now he remembered that he didn't really need to fight for those policies and conditions as they did from afar. There was capital behind them!

No wonder Li Dong is not in a hurry. No wonder Li Dong is very leisurely.

Ma Yun is still wondering whether this guy has forgotten this stubble and is waiting here!

What's more, since Li Dong said it, it means that he has a great hope of getting hold of it, otherwise he would not say it now.

Just as Ma Yun was thinking about things, Li Dong said with a smile, "I'll go ahead this time, but don't be discouraged.

I won't monopolize the Internet financial market, and I don't have that big appetite.

In fact, I can't get it alone. Many industrial companies can.

However, they do not understand this line of work, and dare not do it.

It's OK. I'm waiting for you professionals to get jobs.

As long as you meet the requirements, you can also apply. At that time, we will grab the business of the bank and let them restrict us every day.

In the future, in addition to the mortgage can not do, we and the bank have no difference.

And Internet banking, which is in line with the current trend, I believe that the market is still very large, perhaps larger than the market of physical banks.

Of course, you can get other license plates, but it's not much different... "

He said that's what he said, but the others were going to curse their mother.

It's exciting again!

Can other licenses and consumer finance licenses be the same?

The scope is different!

Ma Yun slowed down at this time, staring at Li Dong: "so you are fooling us from the beginning?"

Li Dong is surprised: "what flicker?"

"You should have made up your mind before. As a result, yu'ebao is going to die..."

"Yu'ebao has nothing to do with this. The two are not integrated. One is monetary fund and the other is consumer loan. It's irrelevant. What do you want to do?"

"You..."

Ma Yun is angry. It doesn't matter, but is it really OK?

Ma Yun dares to guarantee that once ten thousand cartoon starts to make consumer financial loans, the user's money will only be deposited in yu'ebao. I'm afraid that the future consumption will be in the distant mall.

After all, is the money borrowed from ten thousand cartoons still go shopping?Moreover, Li Dong is bound to have plans and restrictions.

Sure enough, Li Dong said with a smile: "I think about it. Since the government wants to see us do a good job in supervision and risk control, it must do a good job!

Therefore, our credit rating system may be launched in the near future.

I hope you can join us. After all, it is difficult for a remote company to collect all the data. If we join in, we can control all the business data related to Internet Finance on the Internet.

In the future, in the distant industrial system, there are consumption, loans and deposits, which we can all check and establish a personal credit system.

In this way, it will be much easier to do, and the risk control will be much easier... "

This word a, other people are OK, Ma Yun facial expression is a change.

Once Li Dong's credit system is established and the consumer finance license plate is released, all those who shop or consume from afar, or others, will be included in the credit system for rating.

Some users, considering that they may need loans in the future, may prefer products from afar.

After all, it's useless to spend money on shopping. It's too wasteful to borrow money.

Although not everyone needs loans, just like not everyone needs credit cards, but in this society, there are too many people who need these!

If nobody really needs it, it won't generate so much banking every year.

Ma Yun took a deep breath and looked at Li Dong and said, "do you want to say that you are sure to win?"

Li Dong said innocently: "I didn't do much to you, did I?

You're pulling me to talk. Don't I explain the situation to you?

What's more, this is our plan. I have said it many times before, especially the establishment of credit system, which I have said a long time ago.

But, because of some reasons, I didn't do it in time.

Now when I tell you this, you think I'm provoking you?

Old ma, just be careful. When can I change it.

Besides, Ali is on line. What's the big deal.

Isn't the big data industry not finished yet, and data processing is troublesome.

Is it not that the industrial chain is scarce and the credit system is not easy to do.

It's just that we didn't get the consumer finance license. We couldn't do some business.

It's just that you don't have money. It's a small scale.

What's in this?

We all do it step by step. No one is a big Mac in the beginning, right?

Old horse, be confident. I believe in you. You can definitely surpass me. I am optimistic about you

"Get out of here

Ma Yun was really angry this time. He went wrong and went wrong.

He originally just wanted to pull Li Dong together and borrow Li Dong's prestige to make everyone profit, especially Ali.

Ma Yun pulled other people, in fact, there are also some meaning of forcing the palace.

We all hope that you can stand up. If you don't, you will offend all your colleagues.

But it turned out to be good. Now Li Dong refused simply, not because he didn't do it. He had already finished and was now opening the way for everyone.

At this time, what else can be said?

Li Dong was ridiculed again. Ma Yun was speechless in addition to calling on him for being stupid!

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