Ali is busy laying out online payments, but there are still many obstacles.

Liu Yun thought about completing the layout in the social field first, and then waiting until the popularization of online payment to pick the fruit directly.

As a person who has come before, he knows very well that he only needs to establish an advantage in the social field of mobile terminals, and then accelerate the promotion of online payment, which will have the effect of getting twice the result with half the effort.

But now, the threat of WeChat is imminent, and Alipay is growing rapidly.

He felt that he could no longer adapt to all changes with the same attitude, but that he should do something to be worthy of his identity as an Internet giant.

However, the so-called higher the status, the greater the goal, and when Liu Yun took the second step, he consciously avoided some sensitive points.

He was ingenious and prepared to promote online payments from another avenue.

"Use U-Credit to repay the credit card of the Bank of Communications?" Ren Deqi was slightly stunned, and he was also surprised by Liu Yun's proposal.

This is a repayment of money, a receipt, not a payment, and theoretically it does not seem to be a financial risk, nor does it pose a threat to the bank's existing business.

At this time, there are only two ways for the Bank of Communications to waive the handling fee for repaying the credit card: 1. Go directly to the corresponding bank counter to repay. 2. Bind the debit card that goes with the credit card. For the rest of the methods, there is a handling fee.

In addition to the above two methods, there will be a handling fee of 2 yuan for each repayment, regardless of the amount.

For those netizens who are troublesome and have relatively relaxed economic conditions, 2 yuan is just the money of a lottery ticket, and they are not willing to run for this little money in vain, but many people still have a gap in their hearts, and they feel a little uncomfortable inexplicably for this handling fee.

"As the president, the handling fee for repaying credit cards between banks is indeed not low. Liu Yun paused for a moment and continued, "A sum of 2 yuan does not seem to be much, but over time, it is by no means a small amount, which is actually a big obstacle to the promotion of credit card business. ”

Ren Deqi thought for a while, and also agreed with Liu Yun's words, so he said: "It makes sense, Liu always wants to open up a new way in addition to the three modes of online banking repayment, debit card repayment, and counter repayment. I think it's feasible to complete the repayment of the credit card through a third-party app. ”

Not all of the handling fees for inter-bank repayment will be taken by the Bank of Communications, and some of them will be taken away by the repayment bank. What's more, this handling fee is only insignificant for the Bank of Communications.

Ren Deqi squinted his eyes slightly, pondered for a few seconds, and continued: "The key is the problem of this repayment fee, it is certain that it must be cheaper than inter-bank repayment, but it is impossible to be free. ”

After all, if the repayment is free, it will be very detrimental to the plan to promote the debit card of the Bank of Communications and bundle it with the credit card. He must not dig a hole for himself.

"It's really Grande!" Liu Yun cursed silently.

It's not easy to get something out of these state-owned banks. This is only the Bank of Communications, not to mention the four major banks.

He still has a little more admiration for Ali's old horse.

"Ren Governor, free is the best publicity boo. Liu Yun sighed lightly, "If the credit card business of the Bank of Communications is doing well, various preferential activities will continue to be launched, but the strength of the four major banks is also eyeing it." I think that if you want to cooperate, you should use a free strategy, even if it is preceded by a deadline. After all, we need to make a name for it first. ”

Ren Deqi asked again: "How long is the deadline?"

Liu Yun replied: "Five years?"

Ren Deqi's head immediately shook like a rattle, and he replied: "Five years is too long, one year is about the same." ”

Liu Yun scolded secretly in his heart, and said with some disappointment: "President Ren, one year is really too short, and it is too late to cultivate the market." ”

Ren Deqi said helplessly: "Mr. Liu, please understand that this is a state-owned bank, unlike you, you can decide alone." One year is within my mandate, and I can give the maximum period. ”

It's strange to believe you, old fox!

Liu Yun said secretly in his heart, but his face showed a look of emotion, and said: "It's me who is too anxious, I didn't take into account the difficulties of being the president, and I'm ashamed." ”

He touched his chin, frowned and pondered for a while, then continued: "That's just a year, it's better than nothing. ”

After hearing this, Ren Deqi seemed to be relieved, and he was also worried that Liu Yun would continue to insist on a long period of time, which would be difficult to do.

It was clearly a mutually beneficial cooperation, and he didn't want to lose that opportunity.

However, Liu Yun still has his own abacus: "President Ren, after that year, continue to give some discounts in terms of repayment fees." ”

Ren Deqi was a little surprised, and asked: "After the expiration date, doesn't Mr. Liu let the netizens repay the loan by themselves? The handling fee is one thousandth, and you can repay the loan with a single click on your mobile phone, and I believe that most people are very willing to accept this policy." ”

Liu Yun shook his head and said with a smile: "Even after the expiration of one year, Youxin will still adhere to the model of free repayment...... years, so this fee is leisurely. President Ren, for the sake of the cooperation between the two of us, should we give more preferential treatment in terms of handling fees?"

Ren Deqi was a little surprised: "What is the picture if it is to promote WeChat, this money is not a small amount, will it outweigh the losses?"

At his age, although he also has a general understanding of the Internet, he certainly does not understand it as deeply as a few bigwigs in the industry. The vision of the two is completely different.

Liu Yun's fingers tapped lightly on the tabletop, leaned back slightly, leaned back on the back of the chair, and said nonchalantly: "The Internet is originally a money-burning industry, and it is better to burn it on Youxin than to burn it in other places." I paid attention to nothing more than to use the platform of U-Credit to facilitate netizens to simplify the repayment process, reduce costs, and also promote your bank's credit card business. ”

In this case, Ren Deqi is embarrassed to pull out a dime a dime.

People pay their own fees and help you promote your business, so you should be more or less interested.

"Mr. Liu, what kind of discount do you need, give me a rough idea, I can go back and fight for it. ”

"Our original plan was to waive the repayment fee in 2011, so in the next three years, that is, in 2012, 2013, and 2014, a single repayment amount of less than 1,000 yuan will also be exempted from the handling fee?

"This ......" Ren Deqi is also an old fox, and soon discovered the funnel inside, "If a netizen's repayment amount is 2,000 yuan, in order to avoid handling fees, you can repay it in two installments." This condition is almost non-existent. ”

The first plan was unsuccessful, but Liu Yun had a follow-up solution.

"That's right!" he said, "I was negligent...... , a monthly accumulation of less than 1,000 yuan handling fee?"

This proposal can be regarded as filling in the previous loopholes, but he feels that 1000 per month is still too much.

"Mr. Liu, actually...... I think 1,000 a year is about the same,"

"He's really picky!" Liu Yun scolded helplessly, and continued: "Ren is the president, pay attention to everything step by step. In this way, in 2012, it was 1,000 yuan a month, in 2013 it was 1,000 yuan a year, and in 2014 it was a cumulative 1,000 yuan. As for the handling fee, we can afford it, but it's also 0.5 thousandths cheaper. ”

Ren Deqi touched his chin, thought for a while, and felt that this condition was acceptable, but asked again: "What about four years later, that is, from 2015, what will your policy be?" ”

Liu Yun said frankly: "Just seize the day, I can't think about things that are too far away. Why don't we sit down and talk again in 2015? I believe that after four years of cooperation, both companies will have an answer in their hearts. ”

Ren Deqi nodded approvingly and said, "That's right, if the cooperation is happy, it is not a big problem to continue." Okay! I'll discuss this with the others when I get back, and it shouldn't be a problem. ”

He didn't notice it, and Liu Yun breathed a sigh of relief.

Today, after the Bank of Communications, the credit card business of the next four major banks will also become logical. Many things are often the first step, and once the domino effect is triggered, it becomes irreversible.

In one year, perhaps less than a year, Liu Yun is confident that he will expand Uxin's credit card repayment business to four major banks.

Nowadays, several major banks are wary of Alipay, which has a fierce and abnormal rise momentum.

After all, it is possible for users to deposit money that would have been deposited in the bank into Alipay.

But Yoyo Wallet isn't that big enough to attract the attention of these banks.

Moreover, Liu Yun's hand has a trap.

It seems that Uxin has only added a function of repaying credit cards, which is more convenient and faster, which is very conducive to these banks to carry out and even promote their own credit card business. This is a move that will benefit these banks very well.

But there is something hidden and difficult to be discovered, which is the deeper subconscious hidden in the minds of netizens.

After they see this credit card repayment function, they will have a higher view of the safety and reliability of Youxin and Youyou wallet, and with it, the trust will be improved, and the position of this product will be more stable.

Then gradually, the amount of deposits in Yoyo's wallet will naturally increase and increase, and for Yoyo, this is all real money and silver liquidity.

This money can be used to invest in high-quality products, even if you don't do anything, there will be interest in the bank, and these interest will be enough to make up for the handling fee of paying credit card repayment.

If Alipay is a bloody knife for banks, then Youxin is a bloodless dark knife.

After Ren Deqi left, Liu Yun sat alone in his place, leisurely sandwiching dishes and drinking wine. Lei Jun said that he would come back when he went to meet an old friend, but he went for a long time.

Just when Liu Yun was a little bored, Rebus's face was flushed, holding a red wine glass in one hand and a person in the other, and he came back talking and laughing.

Liu Yun looked up and saw that the people around Lei Jun were slightly stunned, isn't this Zhou Hongyi who he hasn't seen for a long time?

This guy, like Rebus, is a well-known angel investor, and it is normal for the two to know each other.

It's just that Lao Zhou chose to start a business after leaving Youyou, but it has been dull and has not improved much, and compared with the scenery of Rebus at the moment, it is somewhat dwarfed.