As early as a few years ago, when he first set foot in third-party payment, Zhao Zejun had a very clear positioning for the future of Zepay.

Zepay's medium-term goal is not to defeat Alipay and become the No. 1 payment platform in China.

Limited by the positioning of the enterprise business field, Alipay, which has Taobao as the backing, is almost impossible to defeat in the next five to ten years.

It is precisely because of the prophet that Zhao Zejun is very sure of this.

The purpose of Zepay is not to defeat Alipay, but to use various prophets, as well as the rapidly developing JD.com, to enter the first echelon from the bottom of the third-party payment market, and Alipay is at the same level.

Even if it is relatively weaker, there can be a quantitative gap between it and Alipay, but there can be no qualitative difference.

However, according to the current trend, the best result, that is, to gain a foothold in the second echelon and a level with Tenpay, is obviously not enough.

Only from the level of 'network payment' to compete for users, Zelianke is naturally at a disadvantage. JD.com is a growing enterprise that needs time, and League of Legends is an occasional explosive growth that cannot be seen as normalized.

Now we have to think differently.

Alipay was originally used for electronic shopping on Taobao, but as it has grown, Alipay has been given a meaning that goes far beyond internet shopping.

It is the interface between Alibaba Group's financial sector and Internet users, and behind it is far more than just a Taobao, but the entire Alibaba financial system.

In other words, Alipay, or a third-party payment platform, is more like a 'window to the bank'. Initially, the window could only handle simple remittance and withdrawal services, but if you want to increase the number of users, the bank can also launch more services.

It is difficult for Zelianke to catch up with Taobao in the shopping area, but in the construction of the financial system, Zelianke is not much behind Alibaba.

Because of the prophet, at some levels, Zhao Zejun is even confident that Zelianke will be one step ahead of Alibaba.

For example, the product 'Yue Bao'.

Although Alibaba already has a lot of financial business, but has not yet become a scale system, later generations, until 2013, the launch of Yu'e Bao, Alibaba's financial empire was really established, and because of Yu'e Bao, it has been able to develop and grow rapidly, and finally determined its hegemony in finance and Internet payment.

Starting from the financial field and opening Yu'e Bao in advance, you can not only seize the opportunity, but also prevent Alibaba from copying Zepay's model in a short period of time.

No matter what other competitive products and services Zepay launches, Alibaba will easily copy the past in a short period of time, thereby offsetting the advantages of Zepay, and it is easy for Zhao Zejun to make wedding dresses for others.

Only 'Yu Bao' is different, this involves many relevant legal provisions in the financial field, and there is still a good opportunity, and no enterprise can achieve it immediately if it wants to.

It takes time to apply for a license, or to acquire a ready-made qualified company, it also takes time to find and investigate.

As long as Zelianke starts fast enough, accurate enough, and takes the lead, in a short period of time, it is difficult for Alibaba or Tencent to directly copy the Zepay model.

And wait until a year or two, or even three or five years later, Ali Tencent is ready to enter the market, at that time, Zelianke's financial system has been perfected, with a relatively stable customer base, Zepay has occupied a large part of the market through funds such as Yu Bao.

The reason why Ali was able to become the country's top Internet overlord in later generations is that on the water, it relies on its e-commerce model, and under the water, it is its financial system.

The former is a peerless martial art such as Dugu Nine Swords and Eighteen Palms of Descending Dragon, and the latter is an invincible internal skill such as the Nine Yin and Nine Yang Qiankun Great Shift;

Zhao Zejun is not ready to touch the e-commerce part, just support a Jingdong;Alibaba's financial model,Is what Zelianke really wants to learn to imitate and use,Through the user interface of Zepay,Establish Zelianke's financial empire under the water。

It's easy to say, but it's complicated to do, and even if it's a complete imitation, it's very difficult.

At the beginning, when dividing the new system architecture of Zelianke Group, among the seven business divisions, Zhao Zejun deliberately divided a "corporate finance division", which is mainly responsible for the financial operation of Zelianke and its subsidiaries.

Externally, this business unit manages Zeyue's stocks and is responsible for Zelianke's banking business, and its business is very limited, and it can be one of the seven major business divisions, which seems to be a bit of a fuss to the outside world at that time.

Even when Zepay was put into this business department, many internal employees did not understand.

This business department is actually to prepare for the future Zelianke financial empire.

Zhao Zejun pondered for a moment, dialed the internal line, and asked Gianna to come in.

"Help me make an appointment with the package of Huahai Securities. Wait......" After Zhao Zejun finished speaking, he pondered for a few seconds, revealing a smile: "Forget it, you are busy with your going, I will make an appointment myself." ”

Gianna glanced at Zhao Zejun, nodded, and said, "By the way, Ou Chen, the person in charge of Nanping Industrial Park, still has twenty minutes to arrive, and he is already on the way." ”

"That's right...... Okay, I see, I'll bring him in as soon as he arrives. ”

After a pause, "When he's here, all visitors are in the driver's seat, and no phone calls are answered." ”

"Okay. ”

Hearing that Ou Chen had arrived, Zhao Zejun's heart moved slightly.

I'm afraid this is really providential, in the financial sector, it's too early to call Mr. Bao, and I'm about to talk to Ou Chen.

Not long after, Gianna brought Ouchen in.

"How's it going?" Zhao Zejun got up and poured Ou Chen a cup of tea.

The former college classmate who wanted to kill someone because of a broken love has completely lost the impetuousness and impulsiveness of the year. In Nanping Industrial Zone, as Zhao Zejun's agent, after several years of training, Ou Chen has grown from an intern vice president of Xingxing Factory to a real real power figure in the industrial zone, and his words and deeds have directly affected the industrial development of the huge industrial zone and even the entire Jianwu City.

But in front of Zhao Zejun, Ou Chen still didn't talk a lot back then, and he was a little deep like a big boy.

"It's all going well. Ou Chen took the water cup and nodded: "You have a good foundation, the leaders of the district bureau and the city take care of Nanping very much, and Secretary Bai personally came to inspect it last month, and mentioned you again." ”

Zhao Zejun smiled and didn't speak.

The reason why Mayor Bai was able to become Secretary Bai was that there was an inseparable connection with the struggle between himself and the Ouyang family.

From his own point of view, he can clearly see the overall situation, Mayor Bai became Secretary Bai and entered the Provincial Standing Committee, in fact, he picked up a ready-made bargain.

Of course, it is impossible for an unknown outsider to know everything, but the facts are there. The reason why the original secretary was transferred and relegated to other provinces had a great causal relationship with his series of 'mistakes' at that time, and the secretary's mistakes were precisely because of the struggle between the Zezi family and the Ouyang family.

Therefore, regardless of whether Zhao Zejun and Mayor Bai are subjectively colluded or not, objectively speaking, Zezi won the game, and it did Mayor Bai a great favor.

Interestingly, Mayor Bai's old leader and biggest political resource happen to be the big man surnamed Zhao in the province. So much so that after Mayor Bai was promoted, some rumors about Zhao Zejun and Old Man Zhao revived again.

It is precisely because of this that in order to avoid suspicion, Zhao Zejun and Secretary Bai have a tacit understanding to reduce their contacts.

In terms of urban development, Zhao Zejun spared no effort to support Jianwu City in southern Jiangsu Province, and in terms of policy, the provincial and municipal levels have also significantly increased their support for the Zezi system, but Zhao Zejun himself and Secretary Bai, except for the conference, have not met again.

Speaking of Nanping Industrial Zone, there is the care of the government, the support of the management committee and the 'pro-Zhao' faction in the middle, a large number of grassroots staff and cadres, as well as the surrounding Development and Reform Commission, the side attention of major enterprises in southern Jiangsu Province, the 'Zhao Zi banner' is as safe as a rock, and the industrial zone is also thriving, so Ou Chen will say that Zhao Zejun has a good foundation.

Up to now, there are more than 60 enterprises in Nanping Industrial Zone, many of which are newly introduced in recent years and have been assessed as potential small and medium-sized enterprises.

"How is the progress of enterprise loans in Nanping District?" Zhao Zejun said with a smile: "This is my big deal." ”

"Huayuan is willing to lend at low interest, Nanping District new small and medium-sized enterprises of course rush to it, these enterprises are not like the earliest few financial resources, they are a hot field, the initial stage of development is the most lack of money, it is very difficult to borrow from the bank, Huayuan shot, helped them a lot. ”

Huayuan Company, a wholly-owned subsidiary of Zelianke's financial division, specializes in SME loans. Zelianke is divided into seven business divisions, some people think that the business of the financial division is too small, Zhao Zejun 'good as flow', set up this very inconspicuous small company to make loans, which can let Zelianke's surplus money have a place to invest, but also to a certain extent, help the city, solve the problem of small and medium-sized enterprises loans.

At present, more than 60% of small and medium-sized enterprises in Nanping Industrial Zone have loans with Huayuan.

"Almost every day now, companies come to me and want to connect with you through me to get a loan from Huayuan. The business is very prosperous, but ......" Ou Chen paused, "Is the interest rate of Huayuan too low? Although the scale of these enterprises is small, they are all popular industries, according to my judgment, at least for three years, there will be no worries about the market, and the mortgage procedures are very sound, I am not afraid that they will not pay back." ”

Ou Chen understood Zhao Zejun's purpose for doing this Huayuan.

At least he thought he understood: with this Huayuan, the control of the Zezi system over the Nanping Industrial Zone would be further strengthened.

To outsiders, the same is true.

But the interest rate given by Huayuan is too low, higher than that of state-owned banks, and almost the same as that of joint-stock banks.

What are you kidding, using this interest to give loans to small and medium-sized enterprises! In the eyes of the industry, Huayuan's interest is not making money, but doing good deeds.