Chapter 1563: Old horse, be confident!

In the hotel.
When Li Dong arrived, Ma Yun and they were also going downstairs for lunch.
Seeing Li Dong arrive, Ma Yun looked at him with a smile, and said for a long time: "It's quite early, I thought you would come in the afternoon, it seems to be young and good."
"What is nonsense, there is something to talk about.
I've been dizzy busy these past few days. I have something to do in the afternoon, hurry up on your side. "
"No hurries."
Ma Yun laughed, and then turned to look at a few other people and said: "Let's eat and chat, while Li Cannon has not fallen into the gentle township, let things be settled."
Ma Yun is not alone, and there are several others behind him.
Hearing Ma Yun's words, everyone laughed together.
Li Dong didn't care, and said, "What the is going on? We are rivals now, what will you find on my head?"
"It seems that you have really slacked off recently."
Ma Yun sighed softly and shook his head: "You haven't really been planted in the gentle township recently?
The government has recently introduced many new policies, almost all of which involve Internet finance and Internet payment services.
There are good news and bad news.
In terms of the overall situation, the government supports the emergence of new industries, but in terms of details, it is still the safety first and the risk is reduced.
In short, it can be promoted, but strict control measures are required.
When I came to you this time, I actually wanted to talk to you about this.
You are the first person in internet finance, and this concept was also the first one you put forward.
Now, when you push halfway, Saya runs away, and we are all in a dilemma now.
Yu'ebao is restricted. I heard that it is not passive, but active.
Li Dong, you give us an explanation, what do you think?
Now everyone is watching the action of Wan Wantong. Wan Wantong is one of the vanguards. Once Wan Wantong is retracted first, it will have a great impact on the entire industry.
Having said that, you have shrunk too fast this time. We just got on the horse, and even just about to get on the horse. Even Li Dong has shrunk back. How can you keep us going?
The central bank, the China Banking Regulatory Commission, and some regulatory agencies have recently introduced many policies.
Including the issue of reserve funds! "
Speaking of this, Ma Yun frowned slightly: "According to several new policies, in the future, non-financial payment institutions must set up specific reserve accounts in commercial banks.
The opening of these accounts is not in the name of our company, nor in the name of an individual, nor is it in the name of a customer.
It is unified planning!
That is to say, in the future, these reserves have nothing to do with us. We cannot intervene and can only be supervised by government agencies.
In addition, even the invoices issued by us are no longer related to the reserve fund, but the service amount invoice.
This is actually a disguise to narrow our rights and regulatory scope ... "
Li Dong calmly said: "Normal."
"normal?"
Ma Yun frowned: "You feel normal, I feel abnormal!
We paid for the permit and we all got it.
I thought that getting a payment permit meant that we were accepted by financial institutions.
In fact, we are now all non-financial institutions. A non-financial institution management approach has almost encircled our path to death. "
"So what do you want to do?"
Li Dong asked: "With the advent of the mobile Internet era, online payment has become a norm.
At this time, it is no longer a separate online shopping market.
In the past, every year our payment institutions, the funds involved, exceeded the level of hundreds of billions.
But now?
Now in the first quarter alone, the capital inflows and outflows of Wanhuatong are terrifying and scary.
In the first quarter, Wancao's total inflow of funds exceeded RMB 400 billion from various channels!
This market continues to expand, and there will only be more in the second quarter and more and more in the future.
Throughout the year, the capital flowing into Wanhua may exceed two trillion yuan!
Lao Ma, you yourself say that the government may not supervise such a large amount of capital flow?
Not much we can do now ... "
Ma Yun shook his head and said: "You are wrong, we can do a lot!
Some things, if you do n’t fight for it, others wo n’t give it to you, but instead think you do n’t need it, then it wo n’t give you.
Just like before, the payment license can come down, it is because we fight again and again.
If we do n’t fight, let alone last year, this year or even next year will not come!
This is the difference between working hard and not working hard. If you accept it retroactively and any policy supports it, then sooner or later you will be trapped in a small circle, and you will eventually die or die.
And this is not what we want to see.
We may not be able to reverse the overall situation, but at least we must make some actions to let others see. We also hope that this industry can become better, and we can achieve perfect supervision and do the most powerful risk control measures! "
"Straight, what do you want me to do?"
Li Dong went straight to the subject, he wanted to see what Ma Yun said.
Ma Yun smiled and said, "Eat first and talk later."
"I'm not hungry. I just ate it, and you said that your purpose was fine, lest I wouldn't be able to eat it later."
Ma Yun turned his head to look at him, and said after a while: "Simple, the purpose of everyone coming with me is actually good for you.
At present, we have initially reached an intention.
First, as in the past, we unite again and make our voice.
Third-party payment institutions should not be included in the non-financial system, especially after the issuance of payment licenses, we are also a regular army, and no longer a nomad!
Now that the government has passed the review and issued a formal permit to us, it means that they recognized us.
There is no justification for double standards, and we are defined as non-financial institutions at the critical moment.
Internet finance, that is also the financial industry!
Second, apply for more photographs in the financial industry, including private bank and small loan licenses.
Funds, unreasonably flowed through our hands, and ultimately cheaper others.
The Internet finance industry needs to be improved, and a single payment and currency fund are not enough to support a new industry and industry ... "
"Oh……"
Li Dong persevered insincerely, Ma Yun frowned: "Do you have a different opinion?"
Li Dong smiled and said: "No, but I will not participate."
"why!"
Not only Ma Yun, but also the CEOs of other payment institutions are anxious.
Li Dong does not participate, how can I continue to play!
Li Dong pouted, and said a little speechlessly: "I still have a big reason why, is that all?
What you said, it's you, not me.
Well, to be honest, I am now applying for a consumer finance license. Once the application is approved, all problems are not a problem.
So, there are some differences between me and everyone.
Why, seeing that I haven't moved, I feel like I gave up? "
Li Dong snorted. In the financial field, there are still several major licenses that must be obtained.
Especially in the new financial field, the license is fundamental.
First, third-party payment of licenses, this is actually not difficult to get.
When the license was issued before, a lot of companies got it.
Second, Internet funds and sales licenses.
This is also a new policy that appeared not too long ago. It is also because of the emergence of monetary funds such as Yu'ebao. The central bank and the China Securities Regulatory Commission have made adjustments.
At the same time, it also issued a third license, the Internet insurance license.
These licenses can be obtained from afar, and Ali can also get them.
The remaining licenses are more difficult.
Ma Yunkou's private bank license, Internet micro-loan license ...
At present, it has not yet been released, but only with this intention. The government said that it would be issued. Ma Yun ’s meaning is clearly the same as before, and he continues to urge the government to quickly introduce these policies.
Once you have these licenses, it will be much easier to handle, and some current restrictions and violations are no longer a problem.
Especially for small loan licenses, Ma Yun said long ago that he supports small and medium-sized enterprises.
How to support?
Of course it is a loan!
But without a small loan license, loans are illegal, especially between them, business-to-business.
You can get a license, not only compliance, but also leverage.
In other words, once you get a small loan license, you can use more than your own money, including some reserve funds, they can use it.
Of course, the leverage is limited.
What really can achieve high leverage, and the restrictions are very small, is actually a consumer finance license.
Consumer finance licenses, one consumption, represent many things.
This is a new policy that was released in 2008 when the economy was in crisis and the country was promoting consumption.
Consumer finance, including automobile consumption, education consumption, decoration consumption, tourism consumption ...
In short, except for mortgages, all other consumer loans, as long as you get this license, you can do it, and no longer limited to a certain area.
Ma Yun said that the small loan license is actually very restrictive, including the amount.
Consumable licenses include many fields, and the conditions for obtaining consumer finance licenses are higher than all license conditions.
Once Li Dong's application is successful, then Wan Wantong can do many, many businesses.
It is no longer an illegal and illegal operation in the early stage, but it is a serious way to treat yourself as an online bank. These are all compliant.
Of course, consumer financial license application requirements are also very high.
Otherwise, Li Dong will not say that he is different from others.
What conditions?
First, financial institutions as promoters have a total asset of not less than 60 billion at the end of the year, and non-financial institutions revenue of not less than 30 billion.
What is this concept?
The concept is that the three previous BAT companies add up to less than 30 billion in annual revenue.
How to apply?
In particular, Ali also stripped Alipay. If Ali is not the initiator, but Alipay alone, the annual revenue of Alipay will be 30 billion yuan.
Revenue, that is the actual performance of the enterprise, not to say that the flow of water, this is different.
Therefore, none of the domestic Internet companies, including Internet payment institutions, has met the requirements, and the gap is still very large!
Unless they do n’t take themselves as the initiator, then they have to have another problem, the problem of shareholders!
In the distance, there are no such restrictions.
Wantong Cartoon can apply with Yuanfang as the controlling party as the initiator. Yuanfang, which is now the Yuanfang Group, has exceeded its revenue and assets.
There is a great possibility to apply from afar, but the only flaw is that the time of establishment of Wanhuatong is not too long, and it is not possible to produce a perfect financial report.
Of course, these are actually not big problems, and are much simpler than the hard conditions.
The far place is currently applying, and once approved, the far place can officially lend to the outside world.
And with these licenses, especially consumer finance licenses, there is more to do.
The average small loan license can support two to three times the leverage of the sky.
You have a capital of 100 million yuan and a maximum of 200-300 million of external loans. That is extremely risky.
Consumer finance, because the cycle is not long and the leverage ratio is also high, can generally support five to ten times the leverage.
You have a capital of 100 million yuan, and you can make a loan of 10 billion yuan.
Of course, this requires a lot of risk, but in fact the risk is still much smaller than that of small loans.
Once a distant place has obtained a consumer finance license, Li Dong can treat himself as a bank, a commercial bank, rather than a very limited private bank.
He said this, everyone else looked ugly, Ma Yun even scolded in his heart, bullying others, right?
He has forgotten this, but now I think of it, there is really no need for them to fight for those policies and conditions, and there is capital behind them!
No wonder Li Dong is not in a hurry, no wonder Li Dong is very leisurely.
Ma Yun is still thinking about it. Did this guy forget this? It turns out that he is waiting here!
And since Li Dong said it, it means there is great hope to get it, otherwise he will not say it now.
Just as Ma Yun thought about things, Li Dong laughed again: "For me, I will take a step first this time, but don't be discouraged.
I will not monopolize the Internet financial market, nor have such a big appetite.
In fact, I am not alone, and many industrial companies can.
However, they did not understand this line, they dared not do it, and could not let go of their hands and feet.
It's okay, I'm waiting for you professionals to grab a job.
As long as you meet the requirements, you can also apply, and we will grab the bank's business together and let them restrict us every day.
In the future, apart from mortgage loans, we will be no different from banks.
And Internet banking is only in line with current trends. I believe that this market is still very large, perhaps larger than that of physical banks.
Of course, you can get another license, but it ’s not much worse ... "
He said so, but the others were scolding their mother.
Start stimulating again!
Can other licenses be the same as consumer finance licenses?
The scope is different!
Ma Yun slowed down at this time, staring at Li Dongdao: "So, have you been fooling us from the beginning?"
Li Dong wondered: "What is it?"
"You should have made this idea before, and it turned out that Yu'ebao will die ..."
"Yuyuebao has nothing to do with this. The two are not one. One is a money fund and the other is a consumer loan. It has nothing to do with it. What do you say."
"you……"
Ma Yun is annoyed. It sounds okay, but is it really okay?
Ma Yun dares to guarantee that once Wanhuan begins to make consumer finance loans, the user's money will only be deposited in Yu'ebao. I am afraid that future consumption will also be in the remote mall.
After all, the money loaned from Wan Wantong, is it still used for shopping?
Moreover, Li Dong must also have plans and restrictions.
Sure enough, Li Dong laughed again: "I thought about it, since the government wants to see us do a good job of supervision and risk control, it must be done!
Therefore, Yuanfang may launch our credit rating system in the near future.
I really hope that everyone joins together. After all, it is difficult for a distant family to collect all the data. If we all join, then now we can control all business data related to online and Internet finance.
In the future, we can find out that there are consumption, loans, and deposits in the distant industrial system, and we can all establish a personal credit system.
In this way, it will be much easier to manage and risk management will be much easier ... "
As soon as these words came out, everyone else was okay, but Ma Yun's face changed.
Once Li Dong's credit system is released, coupled with the decentralization of consumer finance licenses, all future shopping or consumption, or other things, will be included in the credit system and rated.
Some users, considering that they may need a loan or the like in the future, probably the first choice is the products from afar.
After all, when shopping for treasure, the money is spent and it is of little use. There is no way to make a loan, and it is wasteful.
Although not everyone needs a loan, just as not everyone needs a credit card, but in this society, too many people need these!
If no one really needs it, there won't be that much banking business every year.
Ma Yun took a deep breath and looked at Li Dongdao: "You say this now, to show that you have won?"
Li Dong said innocently, "I don't care about you?
You are pulling me to talk about things, will I not explain the situation to you?
What's more, this was originally our plan. I've said it many times before, especially the establishment of a credit system, which I said a long time ago.
However, for some reasons, I failed to do it in time.
Now I tell you this, do you think I am provoking you?
Lao Ma, be careful with you, when can you change it?
Besides, Ali is ready to go online. What's the big deal?
Isn't it just that the big data industry hasn't finished layout yet, and the data processing is troublesome.
Isn't it because the industry chain is scarce, and the credit system is not easy to do.
Isn't it just that you haven't been able to get a consumer finance license, and some businesses can't do it.
Isn't it just that there is no money, and it's not a big deal.
What is this?
Everyone does it step by step ~ EbookFREE.me ~ No one was a Big Mac right from the start?
Old horse, be confident, I believe in you, you can definitely surpass me, I am optimistic about you! "
"Get out!"
Ma Yun was so angry this time, one step wrong, every step wrong.
He originally just wanted to pull Li Dong together, borrowing Li Dong's power to make everyone profit, especially Ali.
Ma Yun pulled other people, in fact, it meant to force the palace.
Everyone wants you to stand up, if you do not stand up, then offend your colleagues.
But it turned out to be good. Now Li Dong refused simply because he did not do it. He has finished it, and is now opening the way for everyone.
What else can I say at this time?
After being ridiculed by Li Dong for a while, Ma Yun was really speechless besides scolding himself for coming to Li Dong for being stupid!