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Internet banking is spreading rapidly among office workers.

In particular, because of Lin Qi's domestic political influence, Hang Seng Bank was directly able to open bank outlets in the mainland, and Hang Seng opened more than 20 outlets in the mainland in one go. Although there are not many outlets at present, it is planned to open 200,300 new outlets every year in the future, and gradually begin to cover the mainstream areas of the country.

At present, Hang Seng's newly opened outlets are basically selected from prime locations in first-tier cities, so that Hang Seng Internet Banking has also been rapidly rolled out in first-tier cities.

This is already an unconventional preferential treatment for the domestic market, which is not very open to finance. You must know that even later, it is still very difficult for foreign banks and financial institutions to open branches in the Chinese market, and even if they come in, it is very difficult to review and approve new outlets. After all, the domestic financial sector, for the sake of the country's financial stability, has always delayed opening up to the outside world.

However, Lin Qi's contribution to the country makes the bank under his name basically a special treatment. However, the domestic Hang Seng Bank branch, in essence, under the leadership of the newly established Shenzhen Hang Seng Bank head office, the registered address of the Shenzhen head office is domestic, and the Hang Seng Bank in Hong Kong is only a brother institution, which can use the brand of Hong Kong Hang Seng, however, the business cooperation between the two banks is very frequent.

It can be understood that the domestic Hang Seng Bank is already an independent domestic bank registered by Lin Qi in Shenzhen, and Hong Kong Hang Seng Bank only holds 20 shares of Shenzhen Hang Seng Bank, and in addition, Lin Qi and Meng Xin each hold 20 shares of Shenzhen Hang Seng Bank. Xinqi Future Company is the major shareholder of Shenzhen Hang Seng Bank, holding 35% of the shares. The last 5 shares are the local State-owned Assets Supervision and Administration Commission in Shenzhen, which took some office buildings and exchanged a part of the equity.

The branches of Hang Seng Bank in China are all in the name of the Shenzhen head office, and they are constantly expanding. Theoretically, it is not an overseas financial institution, and it is vigorously developing branches in China.

Of course, the case of Hang Seng Bank is a "pilot" approved by the central government, and it is basically not an example. It is difficult for overseas banking institutions to imitate Lin Qi's model and lay out the financial market in China. This is a similar pilot, similar to Minsheng Bank. At the beginning, it was the initiating shareholder of Minsheng Bank, and most of them were private enterprises, so at the beginning, Minsheng Bank was the pilot of the earlier private joint-stock bank in China. Of course, the private sector did not make Minsheng Bank particularly good, on the contrary, at the beginning, Minsheng made some jokes, and many shareholders thought that their families should be able to take loans from Minsheng because they owned the bank's equity. But then domestic regulators stepped in and made shareholders realize that because they own shares, they should avoid suspicion and not take loans from Minsheng Bank. Moreover, the equity of Minsheng Bank is relatively scattered, and it is a bunch of private bosses, and no one can call the shots. With the listing of Minsheng Bank, many of the initial shareholders gradually cashed out and left.

After Lin Qi took control of Hang Seng Bank, he did not plan to use the deposits of Hang Seng Bank to give loans to his family's enterprises. On the contrary, in order to control risks and avoid moral hazard, enterprises with new entrepreneurial skills will not take loans from Hang Seng. Hang Seng's loans are mainly to individual consumers and other reputable enterprises, but it must not absorb deposits and lend to enterprises under the name of major shareholders.

Even so, after Hang Seng Bank lent to enterprises in the upstream and downstream of the industrial chain, it also greatly enhanced the ability of the new entrepreneurship department to control the industry. After all, the companies we work with know that cooperation with the new venture department is not only business cooperation, but also cooperation in financial loans.

Of course, with the current Hang Seng Bank outlets in China, even if new outlets continue to be opened, it will not cover the whole country in a few years. Therefore, Hang Seng Bank has also cooperated with major domestic banks such as the establishment of diplomatic relations between industry and agriculture, and with the help of the channels of large banks, Hang Seng Internet Bank has carried out more convenient remittance and transfer operations.

Of course, due to the fact that these large banks are also relatively backward in terms of IT at present, the temporary contract is limited to the outlets of these banks, which provide remittance business to the Hang Seng Internet account, which is equivalent to inter-bank transfer, and transfer fees are charged.

Of course, the transfer fee is currently paid by Hang Seng Internet Bank itself, and the user transfers 10,000 yuan to the wallet of the Internet bank, which is 10,000 yuan. However, it is agreed with the major banks that the transfer fee is 1/1000. In other words, if the user transfers 10,000 yuan, Hang Seng Internet Bank will temporarily subsidize a handling fee of 10 yuan.

In just one week, the number of users of Hang Seng Internet Banking in Hong Kong and first-tier cities in China exceeded 10,000. At the same time, the deposit on the Internet bank's Yue Bao also exceeded 100 million yuan.

Basically, there is no need to work hard to collect savings every day, and naturally there are more than 10 million deposits, which are constantly moving to the account of Hang Seng Internet Bank. It's not that fast, but the problem is that it's growing every day.

Lin Qi does not care about this, after all, the first problem now is that the country is not too rich, and the scale of Internet bank deposits with Chinese as the main customers naturally cannot grow explosively. The second problem is that the current development of the Internet is still in its infancy, which is completely different from the later stage when the vast majority of Chinese are Internet users.

Therefore, the main reason for the launch of Hang Seng Internet Bank now is to develop relatively early and seize the opportunity in advance. Of course, Lin Qi is naturally dissatisfied with Hang Seng Internet Bank, which has become a tool for Internet payment in China.

In fact, Lin Qi plans to gradually promote Internet banking to all parts of the world. In addition to the world's mainstream financial system, establish a new Internet financial system, this system, the new entrepreneurship department should occupy a dominant position!

……

After the orderly promotion of Hang Seng Bank's Internet business, Lin Qi prepared to hold an internal meeting at Hang Seng Bank, in which Lin Qi gave a lesson to bank executives: "What will the future society look like? It's hard to say in the long run, but in 20 years, it should be a cashless society." Not everyone doesn't use paper money, but paper money is no longer a necessity. Users can pay through the more convenient Internet, the current Internet payment, to use the computer, in the future, will be smaller devices, wireless networks will be popular...... The spread of these new technologies will definitely bring about a radical change in the bank. In the future, I can say that all the surviving mainstream banks will inevitably be Internet banks, and there will be no traditional banks that are not Internet banks, and the user experience of the Internet platform, capital security, and big data risk control credit evaluation are also very important core competitiveness...... In the inevitable new era, whether we want to be the trendsetters who take the initiative to promote the new era, or whether we become survivors who passively accept and are forced to reform, this is the question we must think about in the future!"

Subsequently, Lin Qi predicted the application of various Internet wallets, from the current login URL, transfer on the computer, to the future mobile phone transfer, all made a series of predictions. Although, he didn't say the scanning code, but even if the mobile phone can access the Internet and can enter the password to transfer money, it is a very awesome breakthrough.

Now it is very far away from that era, so that many people think that Lin Qi is telling a science fiction story, but they don't know that Lin Qi has been following the script that many people think is science fiction now, and is constantly laying out, seizing the advanced step by step, so that the new entrepreneurship department can become the tide of the times when the new era comes, instead of being shot to death by the tide of the times......

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