The Rebirth of Wealth

& Nsp; & nsp; No. 4 afternoon. Li Dong first met with Minister Zhang of the Ministry of Industry and Information Technology. The other party told Li Dong that the 3 licenses will be officially released at the end of this month. 3 licenses were officially issued, and currently only three major telecom operators have obtained this qualification. Issued a td-scda license with independent property rights to mobile, a cda license to the newly formed Unicom, and a cda2000 license to telecommunications. For these professional things, Li Dong is lazy, he only needs to know that 3 licenses are issued. 3 The issuance of licenses means that the mobile Internet era has officially arrived. As for Li Dong to do this himself, he never considered it. Not to mention professional issues, he knows that the money invested by Mobile in 3 is a terrible number. In order to deploy the td-scda network, Mobile has invested hundreds of billions and built countless base stations. The result is good. In less than five years, the 4th era has come. The previous hundreds of billions of investment did not dare to say that all of them would be null and void, but they definitely did not make money and wasted a lot of resources. Last time, Ma Yun discussed with him whether he wanted to establish a communications company by himself and strive to win 3 operating rights. Li Dong refused without saying anything, just knowing that it was not cost-effective. 3 License is issued, although Li Dong is concerned, but because this is the operation of the three major operators, he has no fear of unsuccessful. Li Dong is more concerned about the issue of third-party payment licenses. This matter is actually not under the control of the Ministry of Industry and Information Technology. The Ministry of Industry and Information Technology has only the right to make recommendations. The central bank is the person who is in charge of this business. When Li Dong asked about this, Minister Zhang gave him a deep look, and said in a long while: "Li Dong, recently the central bank, the China Banking Regulatory Commission, the Financial Office ... and many departments have launched many consultations. Even some experts and experts in the field of payment Operators are also involved. Everyone has a common view that online payment is indispensable and should be formalized. That is to say, it is a matter of time before the third-party payment business promulgates laws and regulations, not too late. May be a little bit Everyone has some controversy. How to deal with the issue of reserve funds in third-party accounts? Now, due to the settlement cycle problem, the reserve funds of several of your third-party accounts are increasing. With Alipay and Wan The cartoon is headed. Your third-party public escrow account has a reserve fund of more than 3 billion under normal conditions. In special periods, such as during some huódòng periods, the reserve fund is as high as 10 billion! According to the definition of the central bank, the third-party network Payments belong to non-financial institutions! In other words, you cannot make interest settlement According to this standard, your reserve system is a big problem. Among them, whether it is custodial in the bank, whether the interest generated belongs to the buyer or the seller, or your third-party platform, this is not allowed. That money What should I do with the interest generated? Is it nationalized? Presumably you will not agree, and there is no such precedent. This is a difficult point. Up to now, there is no clear statement for the time being. The second biggest difficulty lies in what you introduce Balance account. The balance account and your third-party network public account are currently not universal or reserve funds. This is the normal reserve fund. What should I do with the interest generated by these money? Someone said, who deposited it, To whom does the interest belong? If this is the case, there is a conflict with the definition of your non-financial institution. Some people on the CBRC side suggested that these third-party accounts and balance accounts can be collected by the central bank and the CBRC ... "Minister Zhang has just After finishing speaking, Li Dong's face changed, and he gritted his teeth and said, "The skill of picking peaches is also Absolutely! I am willing to supervise, control the risks, and even accept the investigation team! I want to include us, no way! The third-party payment system is very important to us. Once it is included, our entire system will appear After lòudòng, we can't tolerate it! The central bank and the CBRC have done so, have we asked our company's opinion? Do they really think that we are just lambs to be slaughtered, and want to kill? ”Minister Zhang sighed when he was angry : "Don't be so excited, it's just a suggestion at the moment, most people don't agree. Everyone is not stupid, knowing that this will arouse the rebellious psychology of the enterprise. The scene of the forum, including some leaders, rejected this proposal. However, some people say that if this does not work, the ultimate possibility is that you payment platforms may eventually get involved in the financial industry. For example, if you work with a currency fund and pay interest, what do you say? " There is no shortage of fools. Said that first-class elites are in politics, and it is not a lie. See Wei Zhishu, from the balance account and the third-party account to guess the next step to Wan Wan or Alipay, it is not difficult. These reserves and reserves must be resolved after all. It seems that there are not many solutions. Otherwise, the interest is nationalized or returned to the people. People's nationalization of the people's money for no reason, which is not in line with the government's wishes, even if it wants, the government does not want to settle down. The best way is to take it from the people and apply it to the people. Once this happens, the third-party payment platform has occupied the territory of the financial industry, which is actually a deadlock. Someone suggested that after nationalization, interest payment should be carried out, which is equivalent to the banking industry setting up on the Internet. This way, it is easy to cause a rebound. Therefore, the current situation is a bit more complicated. In fact, Li Dong is a little better if he does not launch a balance account. Everyone has only focused on the issue of reserve funds for public accounts, and has not touched on the issue of reserves. Today, everyone thinks more. These are actually not within Li Dong's expectations, he is not a god, how can he think so much. This account was first launched, on the one hand for the convenience of the public, on the one hand for future preparations, and by the way seize the mobile payment market. Turned out to be good, but now he is stuck. Seeing Li Dong not speaking, Minister Zhang sighed again, slightly helpless: "You, this generation of entrepreneurs, are really different from before. You have the courage to break all traditions and the determination to lead first .

But you have to think clearly, the final result may not be as you wish. On the day of the Ma Yun Internet Conference, I went with you and threatened to change the bank. It ’s okay to be a joke and listen to it. As a result, you have launched the Wanhua cartoon mobile payment service and the balance settlement business ... I heard from the central bank that when the research team is far away, you are even preparing to launch a QR code payment business. ! Li Dong, I support this move of breaking the forefront. Isn't the country getting better and better only through change? However, there are some things that you cannot blame everyone for worrying that the stability of the financial market is of great importance. Before there is no practical solution, you take the lead in breaking the traditional rules, which may cause a series of problems. You are going too fast, so that everyone can't keep up, and everyone hasn't reacted yet. Under such circumstances, how dare others agree? Li Dong, the old man relied on the old and selling the old one today. If you want to get more support, some things still need to be stopped and let go. Wait for the road ahead to stabilize, and go well, it's not too late to talk about anything else, what do you say? "Li Dong Shen said:" Minister, I know everyone's concerns. Also knows that this may have some uncertain effects. Could it be because of concerns, waste of food because of choking, not even eating? Stability is overwhelming, I understand that, but I agree to pilot first, and then promote, is this not enough? I also agree that various departments will be stationed in Mantow to supervise the supervision. If there is a problem, they can be stopped at any time. Even, I dare to take a remote guarantee! There is a risk, there is a loss, I will compensate for the loss! At least, we haven't expanded to the level of 100 billion scales yet. Is it so difficult to promote the pilot? Is not afraid that we will seize the traditional territory of the financial industry! Everyone is changing, and die if they don't change. Do we have to wait for them to change before we change? The existence of an enterprise is not to check for deficiencies, but on the contrary, the enterprise should act as a pioneer. We have a country and a government as the backing! Once there is a change, the government will check and fill in the gaps for us. This is the market, business, and finance! I said these, not for whom, but some people have some professions, traditional thinking is too heavy. Society is changing. Today, China is in line with the world, we must accept this change, continue to adhere to this inherent irreversible ideology, and what is the difference with the closed state! "" Li Dong! "Minister Zhang tweeted slightly and waved his hand slightly:" Some words are too absolute. Don't be so radical, or rush to get angry. Things need to be solved step by step, and anger can't solve the problem. ”Li Dong took a sip of tea, his face returned to normal, and nodded,“ I understand, but Minister, I am really not reconciled! "Minister Zhang sighed:" Put away these unwillingness, I will continue to fight for you. Is not just me, many people are fighting for it. But everything takes time. The reason why I tell you this is just to hope that you can temporarily slow down your pace. You do n’t know, because your action is too fast, we just reached a compromise, reached an agreement, and then was dizzy by your new plan. You have to relax for everyone, what do you think? ”Li Dong nodded again, he understood the truth. Knew that something was right and harmless, but that was because he had experienced it. Others are not gods, and some things always have to be accepted a little bit. As a result, they just I accepted the changes in the front and changed Li Dong later, which made everyone feel at a loss. Now, not only those second generations regarded Li Dong as a disgusting god, but financial institutions and some Internet institutions such as the central bank quickly took Li Dong as a disgusting god. This guy, I do n’t know how much work or trouble I have added to them these days. The central bank even suggested to the state affairs / academy whether to send a permanent team to formally settle in the remote place. Let the remote one be left The right action, they often get dizzy. Li Dong and Minister Zhang chatted for a long time, and finally thanked the old man for a while before shaking hands with the old man to say goodbye. Farewell Minister Zhang, Li Dong also met with a deputy of the central bank at night President. The deputy president still passed the survey of the original million cartoon The leader of the team, the director of the Financial Stability Bureau, and Li Dong ’s hometown introduction only made an appointment. In the evening, Li Dong talked with the other party for a long time. The main content is the planning, layout, purpose, and a series of commitments of Mantou. ...... came out of the restaurant, Li Dong was full of alcohol. Just got on the bus, Li Dong's mobile phone rang, and Shen Qian called. Said a few words, Shen Qian said softly: "Tired? "" A little bit. "" Li Dong, if you really can't, just 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 yourself go? Now, in order to promote these, you continue to put yourself in a cage, not to mention suffering, but also take a lot of risks ... "Li Dong pulled the collar and exhaled:" I know what you mean. " I said before that, under my ability, I broke some barriers and imprisonment to make my life easier. Now, I am working hard for this. If you do n’t break these restraints, you will live under this restraint forever. What freedom is there? You try to break it, the process is naturally difficult, but when you break through, the imprisonment will no longer be imprisonment. A few years ago, I came to Beijing to do business. For the issuance of 3 billion bonds, I begged my grandpa to sue my grandmother to be a grandson to others. A few years later, I will come back again. Those people who were at that time are no longer grandpas ~ www.wuxiaspot.com ~ Nowadays, there are not many people who can make me call grandpas. Everyone grew up from grandchildren too. I do n’t want to be a grandson forever, so I just wanted to break something step by step. At this point, in my career, I am not only pursuing money, but also the feeling of breaking barriers and imprisonment. So, you said let me give up, that is impossible, unless there is really no way to go. Shen Qian silently said in a long while: "If you have a decision yourself, then let go and do it." But