It is impossible to win the world by creativity alone, and a good idea can only lead for a while at most, but it cannot prevent others from imitating it.

Zelianke cooperated with the fund to launch Yu'e Bao, which was a great success in a few months, achieving great success that was not expected by the Internet and financial industries, and opening a new door.

Initially, both the Internet industry and the financial industry were in a wait-and-see mode. After all, it is a new thing, and the impact and resources that may be caused are too great, and no one is sure that it will succeed, and the risk of following the trend is too great.

However, the 'efficiency' of the Internet is too high, and in just a few months, Yu'e Bao has achieved great success, so both industries are ready to move.

For the financial industry, cooperation with the Internet is the channel of the other party, and it is necessary to find one of the best, first-echelon Internet companies to cooperate, and use the other party's massive user base.

In this way, the range of options is very small.

Moreover, for fund companies, the benefits of cooperating with the Internet are not as great as imagined. Internet entrepreneurs are no more 'kind' than banks and brokers, and the maintenance fees are also so high that they are scared to death. According to some people familiar with the matter, Tianhong basically did not make a few dollars from Yu Bao before being acquired, and the service fee received was more than 9 percent, which went to Huayuan Finance, a subsidiary of Zelianke.

However, for the Internet industry, especially the Internet industry giants with payment software, the road that Zhao Zejun has explored is a broad road to the sky, a big killer to open up the market, accumulate funds, and increase user adhesion.

Alibaba and Tencent have been examining the financial market recently.

However, the investigation came, the investigation went, and the discovery was not as simple as imagined.

It seems that it is not difficult to find a fund company to manage and use the Internet to issue funds.

But in practice, there is no problem with the Internet platform, but there are not many suitable fund companies.

There are less than 80 fund companies in China, and the first-tier large fund companies are too strong, and Internet companies are reluctant to choose. Tencent and Alibaba's concept of control is the same as Zhao Zejun's, no matter which fund they cooperate with, they must eventually acquire it and take it into their own hands before they can use it as a springboard to enter the financial industry.

Therefore, the first-tier large funds, while the second-tier well-known fund companies, can be directly excluded.

After excluding these, I really can't find a suitable one among the remaining small and medium-sized funds for a while.

Internet companies do not have the ability to design fund products, investment management, and financial enterprises, and these roles need to be filled by fund companies with a slightly larger scale and mature teams, while most small fund companies do not have comprehensive product lines, and even some businesses need to be outsourced, and they have insufficient investment experience or have not experienced a complete bull and bear market.

It can't be said that there is no such thing at all, but such a small but mature fund company generally has a concentrated equity, and there is a 'big boss' platform behind it.

Some are not even willing to provoke Tencent and Alibaba, or even dare not provoke.

With this rule out, it is difficult to find the right target right away.

Even if there is an option, people will consider whether to cooperate with Ali, or with Tencent, or with the three major portals?

Investigations, contacts, negotiations, re-issuance of funds, and finally acquisitions take a long time.

"Is this Zhao Zejun too lucky, or has he been paying attention to the financial market for a long time. ”

This time, even Ma Yun and Ma Huateng began to believe what the media said, Zhao Zejun's strategic vision is indeed higher than them, and he must have considered the financial market for a long time and conducted an in-depth investigation.

Otherwise, how to make a move, you will aim at the most suitable Tianhong Fund.

"It doesn't make much sense to talk about that now. "Mr. Ma's mentality at Tencent is much better.

Anyway, it was Alibaba that suffered a big loss this time, not Tencent. On the contrary, Zhao Zejun has found a new way of survival and development for all third-party payment platforms, and from now on, third-party payment is no longer completely dependent on e-commerce platforms, and Alibaba's monopoly pattern has been opened a big gap.

As long as you have patience, sooner or later you can find a suitable fund company, and even cultivate a fund company by yourself, imitate Zelian Keze Pay, and compete with Alipay for the market.

Ma Yun was not so easy.

Zhao Zejun used an upright plan this time, and there was a time difference.

Don't be afraid of others to imitate, want to imitate even if you come, wait for the last year and a half, other Internet companies to find the right partner, launch the same type of products, Zepay and Yu Bao market share has long been far ahead, the actual experience of the Internet into the industry, but also ahead of other companies.

Large scale, sufficient experience, more mature talents, step by step, step by step, Zelianke has grasped the initiative.

At that time, Zepay may already have the strength to compete with Alipay, and Alipay, the enemy that needs to be dealt with, is more than one Zepay.

Tencent's Tenpay is eyeing it on the side. It is said that banks are also making moves and are preparing to start promoting online banking schemes.

In doing so, Zhao Zejun threw a piece of bloody meat into a calm pond, attracting all crocodiles to scramble, forming a big chaotic battle in the third-party payment industry, and completely breaking Alipay's monopoly position.

Alipay, which ranked first, suffered the most, while Zelianke, which was the first to introduce the cooperation model, made the biggest profit.

Up to now, Ma Yun can't think of a better way, and the rest can only rely on the hard power of the enterprise to improve step by step in the later stage.

Ma Huateng glanced at Ma Yun in the video, and felt an indescribable feeling in his heart.

Ma Yun's expression is still like that, very calm, but everyone knows that in this war in the payment field, Alipay was defeated. The follow-up will face a series of huge challenges, Zelianke has fiercely chiseled a crack on the cornerstone of Alipay's throne, and the collapse of Alipay's throne is actually a matter of sooner or later.

At the beginning of New Year's Day 2010, Alipay encountered a major crisis.

Qin lost his deer, and the heroes of the world chased him.

Speaking of heroes, who are heroes?

"Southern Jiangsu Province has been a place of heroes and recklessness since ancient times. If you want to talk about heroes, Mr. Niu of Deyuan Group deserves to be the first, the old hero of Southern Jiangsu Province, and Mr. Zhao of the Zezi Department, that is, the hero representative of the younger generation. ”

In the largest box in Shanghe, Zhao Zejun listened to the middle-aged man in a suit and leather shoes in front of him 'cooking wine and talking about heroes', and suddenly felt a little trance.

I didn't expect this person to be able to say such a sensual 'compliment' to his face, you know, with his identity, he can be on an equal footing with the old and young heroes of Southern Jiangsu Province, not so much.

During the banquet, the business manager of Sushang Bank, oh no, the beautiful Rosa who has now been promoted to the leadership position of the credit department, sat with a smile, and occasionally looked at Zhao Zejun with a touch of pity in her eyes.

A few days ago, Rosa and Zhao Zejun had an unpleasant quarrel.

Strictly speaking, it was 'rectified' by Zhao Zejun.

After Huayuan acquired Tianhong, two of the six funds before Tianhong were relatively stable and changed their channels and were sold through Yu Yu Bao.

This harmed the interests of the bank that originally issued the fund: the tens of millions of customer maintenance fees that were originally easily received a year fell into the hands of Huayuan.

Coincidentally, the issuing bank of these two funds is Sushang Bank.

Sushang Bank is definitely not very happy, Rosa has always been in charge of the business of the Heze character system, most of the loans of Zeye and Zelianke before and after are taken from her, it can be said that it is the 'middleman' between Zhao Zejun and the bank, plus she is young and beautiful and will come to things, and she has a certain advantage over the male boss, so the personal relationship between Rosa and Zhao Zejun is actually not bad.

When the two deal with each other, they rarely put on a businesslike appearance, and Rosa will occasionally even be coquettish in front of Zhao Zejun, selling amorous things or something.

Although Lao Zhao has never started directly, he has never 'criticized' her, every time he smiles, he looks at it as a landscape.

Who knew that it happened that day, Rosa was about to be out of tune with her aunt, or she encountered some troubles, and her attitude was not very good, and when she talked about the fund with Zhao Zejun, she said a little too much.

Lao Zhao was still smiling one second ago, and the next second he immediately had a blank face, replied coldly, and then got up and left directly.

After being a big leader for a long time, Zhao Zejun has his own majestic side, not to mention that he is a big customer who directly controls Rosa's main business?

Lao Zhao rarely trained people with a straight face, and almost scared Rosa to cry on the spot.

Afterwards, the more Rosa thought about it, the more afraid she became, she was definitely not irreplaceable between the bank and the Zezi system, and Zhao Zejun's words could knock her into the dust.

She and Ding Lan are both young women, and they have some personal relationships, and they want to follow Ding Lan's path and apologize to Zhao Zejun. Ding Lan knows Zhao Zejun too well, as long as he doesn't cross the line, Zhao Zejun is very easy-going, since he is angry, it must be that Rosa's words crossed the line, Zhao Zejun may not be angry, but he will definitely deliberately cold Rosa for a while and teach her a lesson, so he ignored her.

Everyone has their own identity and position, and if you cross the line, it is easy to mess up. The person in the upper position, the most annoying thing is the people below, who can't figure out their identity and position, and can't position themselves well.

It's useless to be pretty, what kind of woman does Zhao Zejun want? Just last week, a domestic first-line female star came to visit her, rushing to ask for unspoken rules, just because Xinlong Pictures wants to open a new drama with an investment of more than 100 million, she wants to be the female number one.

It was almost a month younger than Rosa, and it was only because of another thing that today's meeting was made.

"Mr. Zhao, I was ignorant, I said the wrong thing, and when I went back, our president criticized me fiercely and asked me to write a 3,000-word review. You are more correct. ”

Rosa pitifully pulled out a few crumpled pieces of paper.

Zhao Zejun glanced at it, and it was really densely packed with several pages of handwritten 'review'.

"If you can write like this, why don't you become an online writer. Zhao Zejun said in a mocking tone.

Rosa's heart suddenly relaxed, and she leaned towards Zhao Zejun with a smile, and said, "Mr. Zhao, if you recommend it to me, I will resign tomorrow to write!"

"Alright. Zhao Zejun smiled, turned to face the middle-aged man, and said, "President Lu, I have to blame you for this." They are all entrepreneurs from southern Jiangsu Province, and it is the first time we have met after so long. I know, I said that you are busy and refuse to give us the opportunity to do business, and those who don't know think that I am young and arrogant, and I don't even pay attention to the bank. ”

This middle-aged man is the only local bank in southern Jiangsu Province and one of the well-known joint-stock banks in the country, President Lu Ting of Sushang Bank.