Chapter 1558 (1/2)
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.