In his previous life, why was Ma Yun able to become the top rich man in China?

Some people say that it is because Mayun has changed the shopping habits of Chinese people and opened the era of e-commerce. Pen × fun × Pavilion www. ｂｉｑｕｇｅ。 ｉｎｆｏ

But a more important reason is because of the existence of Alipay.

Whether you admit it or not, in addition to being able to give people a convenient and fast payment experience, for Mayun, the role it can play is no different from that of a bank.

In other words, although Alipay does not have the name of a bank, it has the reality of a bank.

Because of the unique high-risk characteristics of banks, in the absence of rules and regulations, no legal constraints, and no strong regulatory means, the state has not opened its mouth for private finance and private banking, and Ma Yun has perfectly avoided these constraints through this third-party payment platform in the name of e-commerce, and has successfully become bigger and stronger, becoming the largest mobile payment manufacturer in China.

Through Alipay, he has attracted a large amount of idle funds from the Chinese people, which can bring abundant capital turnover for the development of the enterprise, and can also use this part of the money to invest around, and more importantly, these money are still permanent interest-free loans, and there is no need to pay a penny for it.

In addition to Alipay, who can do this? Because the source of funds required by most enterprises has a very high cost of use, which is commonly known as "interest", and financial tools like Alipay have virtually saved a lot of capital costs for Ma Yun every year.

So later, Alipay will continue to launch Yue Bao, in order to let netizens keep more funds here, snatch people's wallets with banks, and grab food from the bank's money bags again and again, so Alipay will be rejected by the banking system, and it is not an incomprehensible thing.

Since the launch of Alipay service in 03, Alipay has gone through more than three years of history, and after these three years, Alipay has formed a certain good reputation in the industry and is developing steadily.

In addition, it is not only Alipay that has discovered this, as the famous penguin of "seeing any good project to plug in", it was also last year that together with Paipai launched the third-party payment platform of Fortune Pass, on the one hand, in order to cooperate with Paipai, on the other hand, it is also to take a fancy to the huge advantages of third-party payment in financing.

However, compared with Alipay, there is a huge gap between Fortune Pass and Alipay in terms of frequency and scope of use, so this project, as one of the two key projects of the Penguin Year in 05, is naturally not developing smoothly.

In this regard, the advantage of Penguin's massive number of users does not seem to have played a big role, and now, more than a year later, Fortune Pass is more of a tool for recharging Penguin coins and various members.

Based on the importance of the third-party payment platform,Bai Ningyuan will certainly not be indifferent,As early as 04 years,When Leku Entertainment is ready to develop online game projects,Bai Ningyuan has organized Liu Rong to develop Leku's recharge payment system,After two years of development,This recharge payment system is also becoming more and more perfect,It has been introduced into the online payment system of all subsidiaries of LO International,And now,In order to make this payment system bigger and stronger,Make it truly an important tool for corporate financing,Then it will be stripped from Leku Entertainment,It is necessary to do something。

After having its own third-party payment platform, LO International can add a tool with strong financing ability, which can greatly reduce the cost of capital and get rid of the constraints on the development of enterprises in terms of capital.

As Bai Ningyuan just said, the new company is obviously for Lepay, so the next step is to fully promote the Lepay system.

Regarding the promotion of the Lepay system, Bai Ningyuan still has some ideas, first of all, the first point is to promote it in the entire LO International, and all its payments have been introduced into this system, which has been done quite well before, and the next thing is to continue to maintain this action.

The second point is to strengthen cooperation with other websites, and strive to expand the scope of support and use of the Lepay system, so that people can gradually accept it, in the daily electronic consumption, Lepay has become a part of it, and the introduction of this system by Zhang Junhao and their Meitu network is also a cooperation to test the waters, and more importantly, the orchestra network that is about to be reborn in the later stage will also allow the public to accept the Lepay system faster and better.

The third point is to carry out large-scale offline promotion, the first to promote the concept of "mobile payment", for this point, Bai Ningyuan has been used in the Lophone press Zhuo system, developed the Lepay payment APP, the next step, is to negotiate with various domestic supermarkets and POS machine manufacturers, promote the mobile payment function of Lepay, let the mobile phone replace the wallet, instead of the bank card, so that people's shopping and life are more convenient.

Although in his previous life, Bai Ningyuan was already familiar with mobile payment, but in 07 years of Huaxia, such advanced consciousness and concepts, after being proposed, will definitely make people feel very sci-fi, and who would believe that just holding a mobile phone, you can realize the shopping function.

In this way, on the one hand, the Lepay payment system is promoted, on the other hand, it will also create a tall image of Lophone from the side, and the layout of mobile payment in advance, before the arrival of the next five years, it will be able to develop faster in third-party payment.

Of course, to promote mobile payment, it is obviously a very complex and slow process, and the interests involved are inextricably linked, but even so, for the future, it is still necessary to start doing it from now on.

"On the side of the Lepay system, the finance department must do a good job of docking, and after the company is officially established, your finance department needs to set up a branch department in Lepay separately for real-time monitoring of Lepay's accounting problems, in terms of manpower selection, you must be loyal and reliable, and in the future, your finance department will be directly responsible for me!" Bai Ningyuan turned his head and said to Tang Xinzhen.

This is already the second thing that Bai Ningyuan took out and said alone, and from Bai Ningyuan's attitude just now, as well as from the promotion ideas, it can be seen that Bai Ningyuan has already thought about this matter, and obviously the weight in his heart is very heavy, so Tang Xinzhen first nodded and expressed her attitude, and then with a slightly embarrassed look on her face, she looked at Bai Ningyuan and said calmly: " Even now, the personnel of the finance department may be a little nervous, and it is a little overstretched to deal with the group's things on weekdays, and with such a department, the burden is very heavy......"

"If there is a shortage of manpower, recruit it, the city of Rome is not built in a day, and Lepay will not be able to become big all at once, in March and April next year, it will be the graduate recruitment season again, and the needs of the financial side will be met first, as for the problem of personnel, Sister Tang, you will discuss it directly with Ji Qin!" Bai Ningyuan thought about it, and responded directly.

He still trusts Tang Xinzhen very much, and this trust stems from the understanding and observation of her in the two lifetimes combined.

After hearing Bai Ningyuan's words, Tang Xinzhen stopped making a sound, and Bai Ningyuan also rubbed his temples.

Although such a decision has been made, but everything is still just on paper, after all, there is not even a person in charge, and now there are more and more projects that have been split, and the top management is obviously not enough, it is time to add some fresh blood, as for whether to promote people internally or poach people directly, Bai Ningyuan felt that he needed to discuss it with Ji Qin after the meeting.

After all, there is still plenty of time, and the various procedures for the preparation of the company in the early stage are temporarily registered by the Ministry of Finance.

The separate split of Lepay Finance is a big deal for the entire LO International, so until Bai Ningyuan finished speaking, everyone's faces had a solemn look.

After talking about Lepay Finance, the next thing is the relevant situation of the professional automobile websites wholly invested by LO International, such as Hello Car, Ocean Motor, and Automobile's Home. Because of the professionalism of the websites of the Leku system such as Dayang Motors, they also have a lot of loyal fans, which is the second group in the industry, but it is undeniable that because of the influence, the benefits they can get are still very small, even if there are already car manufacturers advertising on these websites, after all, the era of fierce domestic automobile competition has come, and there is no shortage of far-sighted car manufacturers who have noticed this and began to lay out in advance, but relatively speaking, the profits obtained by their several websites seem to be a little worthless in the entire LO international system。

Fortunately, even if their profitability is not strong, but the investment is relatively small, even in a state of relatively small gap between income and expenditure, Bai Ningyuan is also happy to see, before the golden age of the automobile industry really kicks off, let them develop freely according to their own ideas.

As for the last Beishan Chemical, due to the short time of being incorporated into LO International, it was only a brief report by the representative of the board of directors stationed in Beishan Chemical, which was regarded as the end of his first annual meeting.

However, the only good news is that after several months of research and development, Beishan Chemical has overcome the special glass technology and has been able to produce special glass for lophone screens, so that a lot of money can be saved every year in terms of screens alone.

It lasted for seven or eight hours, and the year-end meeting of LO International 06 came to an end in the exhaustion of everyone, but Bai Ningyuan's journey of struggle was far from over......

Today's first update!(To be continued.) )