"You don't have to have any burden in your heart, just do your best, after all, the economy in Europe now, it is not an exaggeration to describe it as a puddle of mud, if you want to recover, at least in seven or eight years, you don't have to think about it, they are not the future economic center of gravity, so if there is no progress in Europe, you should come back, now the focus is to do it domestically, while taking into account the United States and the Middle East and other places, these key areas do not relax on it, as for the European side, there are not already four banks to cooperate with usEven if you plan for the worst, then you get nothing, then the existence of these four banks, at least can ensure the basic business of Lepay Finance in Europe, so the bank can relax a little, the focus is still to grasp the shops, especially duty-free shops and businesses around tourist attractions, we must let them reach cooperation with us, and hang the logo of Lepay Finance in a conspicuous position, which can provide more thoughtful services for domestic tourists, so that domestic users realize that with the help of our Lepay Finance, they can still enjoy services in a foreign country。 Pen Fun Pavilion wWw. ｂiquge。 ｉｎfo”

Hearing that Yan Banlei on the other side of the phone was a little depressed, Bai Ningyuan couldn't help but comfort her.

Obviously, the various setbacks of this trip to Europe made this young female president, who has always been smooth, feel a sense of frustration in her heart, which made Yan Banlei, who has always been arrogant and determined to become a strong woman in the business world, indeed a little unacceptable.

After all, she is still young, even if she has attracted much attention now and has become a famous female elite in the industry, it is difficult to hide the fact that she is only in her twenties, and her experience is still shallow after all, to some extent, this setback is not a good thing for her.

Of course, Bai Ningyuan was even more afraid that after experiencing this setback, Yan Banlei would collapse, and then stop doing it, in that case, he would lose a general, so not only could he not blame her, but he had to try his best to comfort and enlighten her.

The boss did his part, and it was really simple.

After a pause, Bai Ningyuan slowly restrained the wry smile on his face, changed to a serious look, and said to Yan Banlei on the other side of the phone: " Speaking of which, I just remembered one thing, to discuss with you, I think again, relying on the previous user's consumption, the establishment of the user's credit system, for good credit, can provide it with a small amount of short-term loans, for emergency relief, and this service, may as well start from the foreign side, but all Chinese users who travel abroad, can open credit services before traveling, in case of any unexpected situation in foreign countries that urgently need money, we can provide such a service, in this way, for users, choose our Lepay finance and another reason！”

Hearing Bai Ningyuan's words, Yan Banlei on the other side of the phone didn't speak for a long time, as if she hadn't come back to her senses, and after a while, her exclamatory voice came from the other side of the phone: "I said boss, I just complained about the difficulty of doing the work here in Europe, and you continued to propose a new idea to me, it really makes me wonder what your brain is doing, and it is really too fast!"

"It's not feasible for you to say it first!" Bai Ningyuan ignored Yan Banlei's ridicule, but asked her directly.

At this time, Yan Banlei also put away her jokes, and the whole person was silent, probably thinking about what Bai Ningyuan had just said, and after a long time, her slightly hoarse voice rang on the phone again: "Wouldn't it be a bit risky to do this?"

Bai Ningyuan can still hear Yan Banlei's subtext, for now, as a credit card issued by a bank that will be recorded in the personal credit system, it is almost equivalent to the country's financial institutions in the hearts of the Chinese people, and there are still many overdue behaviors that are not returned, and the current Chinese people do not pay enough attention to credit value, and they can't realize the inconvenience caused by poor credit, not to mention just a company's Lepay Finance, it is conceivable that once such a business is opened, there will be many people with bad intentions who will take it as a way to make money。

Overdue is a problem that every financial company has to face.

He was silent for a moment before he continued: " I also know that there are a lot of hidden dangers now, after all, the national conditions of China are so, but such a situation will not last forever, the country will not sit idly by, from the beginning of this century, integrity as an important ideological benchmark has been repeatedly mentioned, the central bank is also from 07 years began to prepare for the personal credit system, all of which is in the national level for a kind of regulation and intervention in personal credit value, coupled with the concept of integrity cultivated by the 80s is about to grow into the middle of the force, so this situation will be greatly improved, we can not be afraid to move forward because of a little troubleOnly by trying bravely can we continue to develop new business, and risks, no matter what we do, exist, we can only try our best to avoid it from the perfection of the rules. ”

In fact, Bai Ningyuan has been planning personal credit business very early, he knows very well that in the future, a person's credit can be said to be the greatest value of a person, people with bad credit, almost from all aspects of clothing, food, housing and transportation will be subject to some restrictions, whether it is the formation of Lo International Big Data Center, or last year, Lepay Finance officially accessed the central bank's personal credit database, through the user's consumption to provide data support for the central bank, Bai Ningyuan is step by step layout and improve their own ideas, and with a small short-term loan service Lepay Finance, will be more like a family"Bank", but it is more convenient than a bank and can be accepted and used by more people.

"We can set some prerequisites, such as age, such as users who have been registered for at least one year, and then comprehensively evaluate and calculate a risk value according to their consumption in Lepay Finance for a year and some other data in the data center, and then give him a suitable credit line according to these data, and once a vicious overdraft occurs, it will not only be uploaded to the national personal credit system as a credit stain, but also will be included in the blacklist of Lo International, and the use of any related services and products of Lo International will be restrictedThe reason why people choose to go abroad is that from the perspective of economic ability, the economic conditions of these people are better, the number of consumption is more, it is easier to appreciate the convenience and benefits of this service, and the risk is relatively low, especially some international students, who are exposed to Western culture, are also very aware of the seriousness of credit stains, and use these people to test, and the risk can be controlled within a controllable level......" Bai Ningyuan continued to say to Yan Banlei.

"Listening to what you say, I don't think I have any opinion, it's just ...... Isn't our pace too fast?" When she said this, Yan Banlei paused slightly, and Bai Ningyuan's analysis heard her ears, which made her feel that it was indeed worth trying, but after hesitating for a moment, her tone was obviously a little tired and helpless: "This has just launched mobile payment, and the matter of mobile payment has not been cleared up, so we are busy launching new services, such a high-density frequency, this is to exhaust our rhythm, besides, we have to give the media and users a period of time to digest." ”

If the steps are small, you can't take a step, but if the steps are too big, it's easy to pull the egg.

Bai Ningyuan naturally knew the truth that if you want to hurry, Bai Ningyuan was slightly stunned when she heard Yan Banlei's words, and then said with a smile: "You think too much, I just thought of these when I was talking about overseas consumption, let me tell you about the general idea, so that you have a psychological preparation, there is no immediate intention to launch it, at this stage, you should concentrate on the mobile payment business first, after all, this is an important layout related to the future development of Lepay Finance." ”

In fact, there are a lot of articles that can be done in this piece of credit alone, and there are as many as several kinds of services that can be derived, which is by no means a short day or two to complete the work, not to mention, to design a complex personal scoring system, it is necessary to rely on the wisdom of many people to rack their brains, sometimes, there are too many ideas, but it is also a kind of entanglement, this development is not achieved overnight, in any case, the focus of Lepay Finance should be on the promotion of mobile payment services, to accelerate the rapid realization of cashless transactions, only in this way, can we ensure that Lepay Finance is a leading position in the field of domestic third-party payment platformsand then take the opportunity of launching credit services to consolidate this advantage.

What's more, as he himself said, he also had an inspiration because of what he just said.

"I know the boss, now I will do the promotion of mobile payment first, as for what you just told me, when I return to China, we will have time to communicate in detail. Yan Banlei's voice came from the phone again, but I don't know if she had completed the adjustment after Bai Ningyuan's enlightenment, or if she was successfully diverted by Bai Ningyuan's words, in short, her words seemed to be without the strength she had at the beginning, as if she had regained her energetic appearance.

finally didn't let go of the breath in his heart, Bai Ningyuan breathed a sigh of relief in his heart, he was the boss, and he had to play the role of psychological counseling, which was really simple, but it was a small achievement to be able to appease such a general and help him charge and restrict.

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