Although Jiang Yan's plate is very large and has become a leader in many fields, these fields belong to the Internet technology industry and do not have deep-rooted traditional forces. For example, games, e-commerce, and smart phones are all emerging, so Jiangyan Company does not have to be afraid of offending anyone, and it can afford to offend.

The problem now is that Hang Yu does not provoke those traditional forces, but they take a fancy to Hang Yu's energy in emerging fields, hoping to get a piece of the pie, or use the power of Jiangyan Company to further develop.

"Young man, you may not know much about the division of labor in banks, not all banks are for profit. The main functions of the central bank are to implement monetary policy, carry out macroeconomic regulation and control of the national economy, and supervise and manage financial institutions and even the financial industry. You know macro control, the central bank will not participate in the specific operation of the industry, otherwise private enterprises will not have a way to live. Secretary Liang said.

As the name suggests, the central bank regulates in the middle.

The central bank's restrictions on Internet finance have been described by many as "suppression", but in fact, suppression is an emotional term. Including Hang Yu himself said that he was suppressed, it was also because he was unhappy, but he actually knew very well in his heart that such restrictions were necessary.

The most critical problem is that China's legal construction is still very shallow in terms of Internet management, after all, we have entered the Internet era for a short time, and Internet finance has only flourished in recent years.

The state is not yet fully prepared at the legal level, and for the sake of safety, it is natural to control it.

Then there are commercial banks, including Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, Bank of China, Bank of Communications, China Merchants Bank, Shanghai Pudong Development Bank and so on.

The role of a commercial bank is to act as a financial institution that acts as a credit intermediary through deposits, loans, exchanges, savings and other businesses. Commercial banks are one of the financial institutions, and they are the most important financial institutions, and their main business scope is to absorb deposits from the public, issue loans, and handle bill discounting.

Investment banks are referred to as investment banks, such as Goldman Sachs, Morgan Stanley, ****, Société Générale and so on. Its responsibilities are non-bank financial institutions engaged in securities issuance, underwriting, trading, corporate restructuring, mergers and acquisitions, investment analysis, venture capital, project financing and other businesses.

The investment bank met the requirements that Hang Yu just said, and went out in person to invest in companies in various industries.

There are also policy banks, and there are three policy banks in China, namely the Export-Import Bank, the Agricultural Development Bank and the China Development Bank.

Its duties are to participate in or guarantee, not for profit, and specifically to implement and cooperate with the government's social and economic policies or intentions. Financial institutions that directly or indirectly engage in policy-based financing activities in specific business areas, and act as a tool for the government to develop the economy, promote social progress, and carry out macroeconomic management.

"Uh..."Hang Yu showed a look of shame.

"You're very talented in the Internet, but that's not enough, you have to learn more. Secretary Liang said.

"I will. Hang Yu nodded.

"Whether you are in business or politics, if you don't advance, you will retreat, just like people, you don't want to stop at the age of 20. You don't want to open up financing, no one can force you, but I still hope that you can actively compete with other peers. There is progress only through competition, and this progress is not only for you, but also for the entire industry. Secretary Liang said.

Hang Yu didn't speak, his mind was a little messy, he didn't fight, the government actually came to persuade him to fight.

"You like to do business in a different way. Secretary Liang paused for a while.

"One thing, finding gaps in the market and developing new markets is easier to succeed. Hang Yu was blunt, because he did it, because he had a vision beyond time and space.

You can see where the future is, of course, Hang Yu will not compete with others for the traditional market, thankless.

He didn't think there was anything wrong with that.

"Finding a new way to succeed quickly, but you should understand that conflicts of interest inevitably arise when an organization grows. To describe you in the art of war, you are very good at cunning, but you are not willing to fight hard battles. Throughout the ages, there is no team that has always relied on ingenuity and ingenuity to reach the end, and it must be able to fight tough battles in order to hone a truly strong army. It's not a good thing that your group is developing too well, and in the future, when you encounter a bigger setback, the team can easily create internal cracks. Secretary Liang persuaded him.

If it weren't for Hang Yu's young age and unlimited future, Secretary Liang would rarely beep with people like this. Even if it is his subordinates, Secretary Liang will not talk so much, and his subordinates don't need him to talk about this.

Through a short conversation, Secretary Liang already has a general understanding of Hang Yu: this is a young man with some talent, but the overall quality is not strong enough, and he needs to hone and whip it well.

If you don't want to fight a tough battle, you will drive him to the battlefield, otherwise you will waste such good conditions.

"Listening to your words is better than reading a book for ten years, Secretary Liang said that when it comes to this, I can't fight anymore. Hang Yu said helplessly: "Some time ago, I just formulated a financial plan, focusing on stability, and now it seems that I need to change it slightly." ”

"The idea of focusing on stability is right, but we can't stay still, we must seek progress in stability. Secretary Liang said.

"Yes, I understand. Hang Yu nodded.

If Alipay has medical insurance and loan business, but micropayment does not, then users who need these services will jump ship.

Originally, everyone didn't have it, and of course micropayment had the advantage, but now that others have me, there will be a disadvantage.

"Secretary Liang, you said before that you had a task assigned to me, I don't know what the task is?" Hang Yu said curiously.

"You have also cooperated with the government on a number of projects, I wonder how you feel about the public-private cooperation projects?" Secretary Liang asked rhetorically.

"The government's choice to cooperate with a private enterprise shows that the private enterprise has advantages in this project, generally in terms of technology and management. That being the case, as long as the government does not interfere in technical and management issues, I think public-private cooperation is very promising. Hang Yu said.

"It makes sense, because there are advantages to cooperate, in this case, private enterprises should be allowed to give full play to their advantages. So what do you think are your strengths, and where do you have room to play? Secretary Liang said.

"Our strength, of course, is the Internet. Hang Yu said.

"So the tasks given to you by the state are also related to the Internet. Secretary Liang said.