Chapter 1224 (1/2)

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?