The "Alipay" that Gu Cheng currently has on hand is, strictly speaking, not the same thing as the "Alipay" that Ma Feng only made in 2005. Pen "Fun" Pavilion www.biquge.info

Because the legal basis of "Alipay" is complete, it does not exist in 02.

It will not be until 2003 that the online banking system of inserting U shields and making a transfer for online shopping will become popular in major state-owned commercial banks. Now, there is only one China Merchants Bank, which is among the first pilots, and other banks are still waiting for the time being.

Those users who are now spending money on Dingdang.com and a certain point online are actually the same as charging Q coins or charging traditional service industry membership cards: first deposit a little membership fee into Alipay, and then buy something to swipe a balance.

Although Gu Cheng also helps other peers sell things on behalf of others, the legal nature is still mainly B2C e-commerce, and the objects to be sold are the products operated by the platform operator himself.

This can be regarded as a little bit of a loophole in today's law: the payment platform that sells B2C proprietary products is not considered a "third-party financial instrument" and is not subject to the jurisdiction of the CBRC. And if it is to be used for a C2C platform like "Taobao", the nature is completely different.

You don't sell goods yourself, you only provide pure payment services, and the CBRC doesn't care who you are in charge of?

Gu Cheng knew the twists and turns, and Ma Feng also knew it.

So the two tacitly agreed: we all know the tightness and orientation of next year's policy, and we will talk about the intention first. Wait for early next year to make the policy clear. When Taobao is launched and Alipay's function is revised, no one will be able to run away with the gunfire of the policy.

Gu Cheng is still a content industry practitioner in his bones.

He is not interested in running an e-commerce company for industrial goods, and he does not have so much energy and brains to manage logistics, quality assurance and supply chain.

Everyone should do their own professional things, and don't blush with money that doesn't help the main business.

He is not interested in money, which he sees as just a means to realize his ambitions in the content industry.

This is not that he is pretending, but that any person with ideals, once he has achieved a value of billions, will naturally appear - at this point, money is just a number that affects the speed of realizing his ideals.

In this case, it is better to take what you need with Ma Feng, and ask for mutually beneficial conditions, and accept it when you see it.

If Ma Feng can really make Ahri Baba make a lot of money, he can help Gu Cheng increase the number of Alipay's users several times. It would be a great merit to develop more people who have the habit of paying to support the genuine version and benefit domestic musicians, filmmakers, and writers.

……

Help is help, and if you should make it clear, you must make it clear.

Especially Gu Cheng felt that it was necessary to let Ma Feng see clearly how much favor he had inherited.

"Of course, it's no problem for Alipay to use Brother Ma for free, and I should also apply for the number of years you opened just now. But there is one thing that must be made clear - I was originally doing a B2C business, and every e-commerce order was sold by my company itself, and the profits were all earned by me.

If you are ready to use Alipay to pay the money of the C-end merchant today, it is conceivable that the cash flow in the future will definitely be 100 times that of the current one. And the profits are all earned by C-end merchants, and the platform itself is nothing more than an advertising fee. And my Alipay didn't make a penny, so I simply posted the bank fee, which is the boss's favor. ”

After Gu Cheng finished speaking, he paused and waited for the other party to digest it.

Ma Feng just toasted him sincerely, and then he was bored first. didn't say a word, it was regarded as recognizing Gu Cheng's statement.

In 02~03, the handling fee of online banking is very expensive. This thing has just appeared, and the major state-owned commercial banks were originally rushing to earn the handling fees of e-commerce payment platforms, so they pinched their noses and endured the legalization of third-party platforms such as Alipay.

Twenty years later, the payment fee of "Alipay" is 1/1,000, and now, it is as high as 3/1,000.

In other words, for every 1,000 yuan transaction reached on Taobao, Gu Cheng had to paste a 3 yuan handling fee backwards and pay it to the online banking transfer.

Historically, when Taobao was first established in 03, the turnover of that year was only a few hundred million.

By 2005, it reached 8 billion, and in 2015 it was 3 trillion.

Considering that Taobao in this time and space has the bonus of Alipay as soon as it comes up, this development speed will only be faster (historically, 20 months after Taobao was launched, Alipay was available)

Gu Cheng agreed to use Alipay for Ma Fengbai today, which is equivalent to subsidizing Ma Feng's bank fees of tens of millions of yuan every year for the next three years.

This favor is not small.

Gu Cheng waited for Ma Feng's feelings to brew almost, and he said his additional conditions directly:

"It's not that buddy is reluctant to give up the tens of millions, but since the handling fee is paid by me, I can't let go of some loopholes that may occur in the process of Taobao's operation that will cause the fee to skyrocket. ”

Ma Feng was slightly nervous and rubbed his hands: "But it doesn't hurt to say it, I believe in Brother Gu's character." ”

"Then I'll be straight - I've been working with Lao Li on ADSENSE recently, you know. The biggest problem in the future of Internet traffic is credibility. If you open a Taobao network, there will be more and more stores in the future, and merchants who are unwilling to pay advertising fees to buy recommended seats will definitely try their best to brush up on the sales list, and increase the exposure of the store.

However, this kind of thing will generate a large amount of cash flow, and Alipay's handling fee to the bank will flow out a lot of money, but in fact there is no transaction of goods - this is obviously 'improper handling fee abnormal overconsumption'. Since I paid for this fee today, I'll help you manage the bills, right?"

When Ma Feng heard it, this is indeed the truth.

People helped you pay the handling fee of Taobao, is it possible that you are not qualified to manage abnormal expenses?

"So what are you going to do?"

"I don't care about the details of Taobao's other operations. However, a series of technical data, such as algorithm maintenance and big data collection for anti-swiping orders, must be shared with my Alipay company without the slightest reservation. ”

It's '02, and Professor Jeff Hinton hasn't discovered a deep learning algorithm yet.

At present, Ma Feng does not have big data and algorithms in his mind at all.

He didn't hear the trick in Gu Cheng's words, and he felt that Gu Cheng's proposal was very legitimate.

FROM GU CHENG'S POINT OF VIEW, HE SINGLE-HANDEDLY LAID OUT THE ADSENSE COOPERATION WITH BOSS LI, AND INVISIBLY INSERTED THE ACCUMULATION OF MAFENG'S TAOBAO ALGORITHM WITH THE OTHER HAND.

In the future, in the land of China, if there is any problem involving big data labeling algorithms, can anyone be his opponent Gu Cheng?

The moment Ma Feng agreed, Gu Cheng just wanted to scold Fang Xuan and shout:

Who else!

Thankfully, he held back.

The two sides happily touched the glass, and Gu Cheng finally thought of a question, and added in passing:

"IN THE FUTURE, I MAY CONSIGN SOME ELECTRONIC PRODUCTS SIMILAR TO APPLE'S IPOD ON TAOBAO. You remember to help me fight fakes and leave some advertising space. You can rest assured that I don't deal in physical goods except for things like 'content products, hardware carriers'.

Your Taobao should also not get involved in game point cards, game CDs, audio and video, books and other products. The content industry is my territory, and none of us should cross the line. ”

Ma Feng calculated in his heart, what Gu Cheng talked about was basically some virtual items. Although this business will be eliminated in the future, Taobao will be crippled in the future, but it is better than starting a war with Gu Cheng.

Today's Ma Feng, in terms of capital and strength, is inferior to Gu Cheng.

It's a big deal, everyone should concentrate on doing their most professional thing.

……

Ma Feng chatted with Gu Cheng late this night visit.

In the end, Gu Cheng was so hungry that he could only leave Ma Feng to have dinner together.

Everyone opened two bottles of wine and walked a few.

Drinking in a strong atmosphere, Ma Fengshen babbled and put forward a suggestion that was not considered a business:

"Ah Cheng, I know you have a temperament and don't like to deal with the government very much. But this time, you and Xiao Li lobbied for communication, and you used Cardinal Qi's relationship, and it is unlikely that you will completely remove yourself from the government in the future.

I and a few old buddies have been brewing something recently, not much money, the key is to watch and help each other, are you interested in participating in a share? If you are willing to come, I will let you take the majority of your position. ”

Gu Cheng slowly drank a cup of fish maw stewed wings to relieve hangover, and when he heard this, he put down the spoon and wiped his mouth: "Let's talk about it." ”

Ma Feng has just talked about a big deal, and he is in a good mood, so he is willing to say something heart-wrenching:

"I discussed with Ding Sanshi, Guo Guangchang, and Song Weiping, and the situation has become so fast in recent years. During the Southeast Asian financial crisis, Lao Guo and his people engaged in industry and investment were miserable, and later the Internet crisis was our turn to be unlucky with Ding Sanshi, and then Lao Song was unwilling to engage in real estate.

If we Zhejiang businessmen always fight together with people in a small circle, it is inevitable that we will encounter a recession in a certain industry in the future, and we will not be able to get up if we fall down. It is better to form a cross-border chamber of commerce, watch and help each other, and all industries will not be sluggish all at once. ”

When Gu Cheng heard this, he seemed to be conscious, and smiled and teased: "You will pick the time." ”

Ma Feng's old face flushed: "That's it! If it was this time last year, I would never dare to mention this proposal, our Internet people have become miserable like that, you said that you want to help them in industry and real estate, and people don't think you are at the end of the road to turn your fate." At the moment, you are still fighting for anger, so that everyone in the circle believes that the Internet winter is about to pass, so we have the confidence to open our mouths, right?!"

Gu Cheng readily agreed: "Cheng, then even if I have a share, you can worry about the specific things, I just have to pay for it." ”

"Okay, I'll wait for your words. I have already gathered 7 shareholders, each of whom will pay 50 million to account for one percent of the shares, and set up a club to engage in a chamber of commerce. If you come, you will be the leader of the alliance, pay 100 million 5, and I will let you take 30%. The name of the club is Gangnamkai. ”

Gangnam Meeting?

Gu Cheng was slightly stunned, and found that he had accidentally lost history again.

The eight shareholders of Jiangnan Club should have a share of Chen Tianqiao of Shengda Network, and the leader of the alliance is Ma Feng.

Unexpectedly, Chen Tianqiao's "legend" was pried by himself, and even Gu Cheng was pry into his current status as a shareholder of the Jiangnan Club.

Moreover, Gu Cheng's strength is obviously stronger than Ahri Baba, so that Ma Feng no longer dares to claim to be the initiator and leader of the alliance as he did in history.

100 million 5, of course, is a small amount of money for Gu Cheng. It's like playing a vice-stud, just follow it.