"Credit system?"

Liu Yong was stunned: "How do you say this?"

"Mr. Liu, our Alipay was the first to play the role of a third-party guarantee, the buyer is afraid that the seller will not deliver the goods after the purchase, and the seller is also afraid that the buyer will not give money after sending the goods, so our Alipay Pass was launched, the purpose is to guarantee the buyer and the seller. In this way, both buyers and sellers are reassured about it. ”

"I understand this, and I have to say that your payment communication is very innovative, which also makes e-commerce possible. ”

Therefore, it is precisely because Alipay plays a role as a guarantee that he has the characteristics of credit at the beginning of his establishment. This made buyers and sellers believe in us, so our payment pass was easily promoted. Now, Alipay is being used more and more widely, and we have also established a set of user credit system through Alipay. ”

"This system is based on the user's buying and selling behavior, financial situation, etc...... Judge a person's credit rating. The higher the credit score, the stronger the ability to perform the contract. At the same time, we can also achieve the goal of risk control through his credit score. ”

Chen Yu's explanation made Liu Yonghao give a thumbs up: "Awesome, Mr. Chen, how did you come up with the credit system?"

Although their credit business has not yet begun. However, if Huanyu Technology's payment is used as a judgment of performance ability, then there is no doubt that such a business is feasible. If a consumer is ready to take out a loan, it is entirely possible to look at his credit score. If the credit score is not reached, then his ability to perform the contract is relatively low and he can refuse to grant a loan. If the credit rating score is sufficient, it means that he has a strong ability to repay the loan, and this business is done.

Although this does not mean that credit scores can completely eliminate bad debts, with such an audit, the entire loan business is much safer.

"We were forced out by the market. Our commercial companies are not like your banks, you are customers begging for loans, we are begging customers to buy things and consume. You don't have to worry about having no business, and if we don't have business, we're going to go bankrupt...... So, we came up with such an idea. ”

"Mr. Chen, look at what you said, it seems that our bank has a lot of profits. ”

Liu Yong laughed and scolded Chen Yu.

However, although Chen Yu's words are not so objective, the truth is correct.

Why doesn't their bank engage in credit lending business?

Could it be that they don't have any money?

Not at all.

They just don't want to have problems with funding.

Of course, they can also think of ways to reduce the bad debt rate.

For example, they can also have a credit system.

However, because the banks are not worried about running out of business, they will not think in this direction at all.

"Mr. Liu, how about it, with my credit system, can I still do this business?"

"Yes, of course. ”

Liu Yonghao nodded with satisfaction this time.

Although such a business may not seem like a big business, it is not.

Think about how many mobile phones, computers, and various electronic devices you buy?

Even if there are hundreds of dollars and more than a thousand pieces per person, the amount added up is more.

Moreover, with their Huanyu Technology's payment pass as a credit guarantee, the bad debt rate is not nothing, but it can definitely be reduced to a safe point.

Such a business, their Minsheng Bank must be extremely welcome.

There's also the problem that not everyone has a Paypass account number.

Actually, it doesn't matter.

Huanyu Technology can't do everyone's business.

As long as there is a group of people who pay pass, this business is already extremely large.

In fact, Chen Yu's payment pass now has a considerable number of users.

In order to promote Alitong, Chen Yuke bound the Alipay business to the Internet café management software.

In fact, the management account of the Internet café is also the account of Alipay, and users can also make online purchases through the Internet café.

It should be said that as long as you can surf the Internet, you basically have a payment account.

"Since this is the case, then it is decided, and I will send someone to connect with Minsheng Bank for specific operating rules. ”

"No problem. ”

"That's okay, Mr. Liu, I won't delay you, I'll go back first. ”

"How can this work, you rarely come here, how can I say that I, the local lord, must also do my best to be a landlord. ”

"It's so busy. ”

"No matter how busy you are, you can find time, listen to me this time. By the way, there is a banquet tonight, all of them are some bigwigs in the financial sector, and you will have to deal with them in the future and take you to get to know each other. ”

"Since that's the case, then I'll listen to Mr. Liu's arrangement. ”

couldn't shirk it, Chen Yu could only agree.

......

"Mr. Liu, why did you arrive. ”

"Didn't I bring a heavyweight guest?"

"Heavyweight, what did you say?"

"You see, I don't have a vision. ”

That night, Liu Yonghao took Chen Yu to the banquet.

However, many people were surprised by Chen Yu next to Liu Yonghao.

I don't know why Liu Yonghao brought a young man?

But after Liu Yonghao's introduction, everyone's eyes widened and they almost couldn't believe it.

"You are Chen Yu?"

"Doesn't it look like it?"

"No, no...... No, Mr. Chen, you really surprised us. ”

If you want to talk about Chen Yu of Huanyu Technology, you have heard of everything.

But if you want to talk about real people, there are really few people who have seen them.

It's just that although I haven't seen it, who is Chen Yu.

The name of the person, the shadow of the tree, and Chen Yu's name are said, even the bigwigs in the financial industry have to look sideways.

"Come on, Mr. Chen, let me introduce to you, this is Mr. Huang of the Agricultural Bank of China. ”

"This is Mr. Li from the Bank of China. ”

"This is Mr. Zheng of the Bank of Communications. ”

"This is Mr. Zhang of the Industrial and Commercial Bank of China......"

The ones who came were all bigwigs, and the lowest ones were all at the vice president level.

Chen Yu shook hands with everyone one by one.

"Mr. Chen, I heard that you have opened the account of Huanyu E-commerce in Minsheng Bank, can you open part of the account to our Industrial and Commercial Bank of China. ”

Flipping through the introduction, at this time, Mr. Zhang of the Industrial and Commercial Bank of China said.

"I said Lao Zhang, what do you mean, robbing business in front of me?"

Liu Yonghao glared at Mr. Zhang.

"What is the business robbery, the business of Huanyu e-commerce can't be monopolized by your Minsheng Bank, right? ”

"No, Mr. Liu, you don't know, we all have opinions. ”

Mr. Li of the Bank of China on the side also said.

"Anyway, give us some points. ”

Mr. Zheng of the Bank of Communications also said.

After speaking, everyone turned their attention to Chen Yu: "Mr. Chen, what do you say?"

"Everyone, these are all easy to say, and if we have the opportunity, we can cooperate more. ”

For what they said, Chen Yu did not refuse.

In the future, after the payment business is bigger, a Minsheng Bank will definitely not be able to handle it.

Huanyu Technology also has to cooperate with a number of domestic banks.

In addition, Chen Yu had to start to get Alipay to maintain close cooperation with major banks.

Otherwise, if Alipay fails to develop and grows and is strangled by their bank, then Chen Yu will have to cry to death.

You know, such a business as Alipay seems to be a third-party payment tool.

But if he gets bigger, any bank can get rid of it.

This is also why Mr. Ma had the confidence to say that if the bank does not change, we will change the bank.

In fact, he did.

But despite this, in the development of the previous life, many banks also regarded Alipay as their biggest competitor.

At this time, it has not developed so much, so it is necessary to keep a low profile.

Moreover, Chen Yu also wants Alipay to cooperate with them to let the bank taste the sweetness.

In this way, this is also a huge benefit for the promotion of Paypass.

"I'll go, Chen Yu, I already knew I wouldn't call you to the banquet. ”

Seeing Chen Yu smiling and politely talking to everyone, Liu Yong said depressedly.

If the business of Alipay is given to a series of other banks, then their Minsheng Bank will have less business.

However, the other bigwigs are all elites, and seeing that Liu Yong is so depressed, he said: "Mr. Liu, don't be so stingy, besides, Mr. Chen is also a shareholder of your Minsheng Bank, do you think Mr. Chen will still treat your Minsheng Bank badly?"

"Well, we just need you to get a little bit of the business. ”

"Come on, Mr. Liu, cheers, I'm really happy to see Mr. Chen today. ”

"Cut, you guys. ”

Liu Yong smiled bitterly.

Still, he also knows.

It's a matter of time.

Huanyu Technology will be larger and larger in the future, and it is impossible to choose only one of them, Minsheng Bank.

At the same time, from the perspective of capital security, it is impossible for them to put a series of funds in Minsheng Bank.

Fortunately, Chen Yu is a shareholder of Minsheng Bank, and the first consideration for a series of businesses in the future is their Minsheng Bank.

Thinking about it this way, Liu Yong is much more comfortable.

......

The other side.

While Chen Yu was attending the banquet, Wu Haijun, the founder of Shenzhou Computer, was thinking about it.

In fact, he doesn't want to join Huanyu Technology at all.

Everyone knows that Huanyu Technology has a large platform and great potential for the future.

In the end, their Shenzhou is just a computer seller, and they don't have much technology.

But in the final analysis, Shenzhou is his own, and he is the boss in Shenzhou.

Rather be a chicken head than a phoenix tail is the innate idea of many entrepreneurs.

But Chen Yu's invitation made Wu Haijun have some expectations.

On his own, it would be difficult for him to make Shenzhou how far he would go.

Thereupon.

To join or not to join, Wu Haijun is extremely entangled.

"Zhou Yong, Chen Yu, the CEO of Huanyu Technology, invited me to join them Huanyu Computer, what do you think?"

"Join them around the world, why?"

"They lack a general who can stand alone in the Huanyu computer section, and I just make up for this shortage. ”

"But what about our Shenzhou?"

"Chen Yu means to merge into Huanyu Computer, but Shenzhou can continue to maintain an independent brand, so that I can also take care of Shenzhou. ”

"But haven't we been planning to go public in Shenzhou?"

"Going public?"

Not to mention the listing, Wu Haijun almost forgot about it.

In fact, something as important as going public is basically something that no entrepreneur will forget.

But what if Shenzhou has submitted 3 listing applications?

Yes.

As early as a few years ago, Shenzhou launched a listing application.

However, the first time was quickly beaten back.

Wu Haijun did not lose heart and continued to apply the following year.

As a result, he was beaten back the second time.

Wu Haijun continued to apply, and the third time he called back.

In the fourth year, 2005, Shenzhou applied again.

For the time being, there has been no approval from above, but Wu Haijun is already feeling a little tired.

In order to go public, they don't know how long it took to raise money, but they failed again and again.

"Zhou Yong, do you think we can pass the listing this time?"

"Hopeful?"

Zhou Yong said: "Major brokerages revealed to us a few days ago that the authorities should soon be able to approve our listing application. And our performance this year is so good, there is a high probability that we can go public. ”

"Hopefully. ”

Wu Haijun, of course, also wants to go public.

But he can't control this kind of thing.

However, thinking of going public, Wu Haijun's invitation to Chen Yu was slow.

Anyway, let's see if the first batch is not approved first.

A few days later.

There's news up there.

Shenzhou's listing application was rejected for the fourth time.