University Chapter 681 Offending People

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The rapid development of Star Bank is naturally an excellent thing for Wang Shizi

Regardless of the advantages of absorbing deposits, the payment alone has made Star Bank invincible. After all, when people are accustomed to the credit transaction system provided by Star Bank, they all start to use Star Bank's intelligent secretary payment means, and naturally a large number of customers are stuck in Star Bank.

However, the market tolerance of the whole Huaxia is limited, and the booming business of Star Bank means that other commercial banks have been robbed of business. Indeed, Star Bank has only been online for a little more than a month, and it has already made other banks feel threatened. In particular, the four major banks in Huaxia have been greatly affected by various businesses.

In particular, the core of the bank's deposit business, in the past month, the four major banks' deposit business has declined significantly both year-on-year and month-on-month, especially the first of the four major banks, the Industrial Bank of China, has fallen significantly. This may indeed be a source of distraction for many people, or a cause for concern. The fact that the Prime Minister personally talked to him about this matter is enough to illustrate the problem.

Not to mention the credit card payment business, I can't say it, it's all tears if I talk too much. In a month, the consumption of credit cards in various banks has been cut by almost half year-on-year or month-on-month, which is still happening in the first half of the month when the savings of Star Bank did not exceed 100 billion, can this not make people entangled? Still dwelling on death. There is no way, who let Star Bank's credit payment system not support UnionPay cards from other banks from beginning to end.

It is always easier to attract hatred when cutting off people's financial routes, so when the prime minister took the initiative to mention this matter, Wang Shizi probably understood the tone of today's chat.

"The leaders of UnionPay are really polite, and it is said that Star Bank is still the last to learn, and we have to learn from other banks." Wang Shizi said politely casually, and he didn't mention credit payment at all.

The whole credit payment system is of great significance to Wang Shizi, so that people can get used to the future credit payment is not only to make the social atmosphere better, but also to gather and use funds at the fastest speed, the greatest process, and the most efficient. What's more, when the Tang Dynasty was in the past, the things that the major banks did were not authentic, and Wang Shizi still remembered that if they hadn't fallen into the well at that time, he wouldn't have had to sell the Tang Dynasty and waste two years to rebuild a scientific research base.

If these things are said to be without resentment, it is naturally impossible, but there is no need for Wang Shizi to always talk about these things. In this case, he naturally won't consider the meaning of UnionPay at all.

"This is really not polite, your credit system is very good, it would be great if it could be merged with the personal credit system that has been established!" The Prime Minister laughed.

"Prime Minister, there are some things I will say simply. In fact, our credit payment system is still only a prototype, and it has not yet reached the scale I predetermined, in fact, the entire credit system is not only a constraint on personal credit, but also a constraint on merchants and upstream suppliers. ”

Wang Shizi shook his head and continued, "The results achieved by Star Bank since its opening are indeed good, but on the one hand, because our service is in place, to put it bluntly, we can have the results at this stage, in addition to our payment system is attractive enough, but also because we have given up the profits that many other banks must have. ”

"Just a short message reminder business charges, Star Bank than other banks at least tens of millions of profits per year, not to mention other such as inter-bank transfers, remittances we are free of service fees, not only that our customers inter-bank transfers we also have to pay a part of the service fees, this part of us even loses! As far as I know, Star Bank once talked to UnionPay in the hope of reducing this part of the fee, but was rejected outright. ”

"On the other hand, if we say that our credit payment system is more particular, at this stage we do mainly focus on the credit rating of individual customers, but when the customer stickiness is enough, about a year at most, we will conduct a credit review of all merchants who have joined the credit payment system."

"To put it simply, if a merchant fails to meet our credit rating approval, it will clear our payment system and credit system. In other words, according to what we have collected now, at least 30% of the merchants and upstream enterprises will be eliminated by us in a year's time, and unless the credit rating is met, they will not be eligible to gain a foothold in our credit payment system, not only can they not borrow from us, but they will not be able to use our payment system to transact. In other words, individual customers will not be able to use our payment system to purchase goods or services offered by these merchants! That is, if consumers want to do business with these merchants in the future, they can only use other payment methods. ”

"The purpose of this is to force domestic manufacturers and merchants to pay more attention to the quality of domestic products, reduce the occurrence of disputes, so that the entire credit payment system can enter a virtuous circle to the greatest extent. It's no problem for me to let other banks join our payment system, but when our credit payment system is officially launched, can you guarantee that other banks will be able to advance and retreat with our Star Bank? To tell you the truth, many of these merchants and enterprises are big customers of other banks! ”

"Although what we are talking about now is only a general idea, and the specific operation details are still being discussed, you should also know that our credit payment system is actually a very offensive thing, this kind of villain should not involve too many banks, it is enough to have us!" Wang Shizi explained solemnly.

Wang Shizi's words made the prime minister unable to come back to his senses for a long time.

The meaning expressed is very clear, in the near future, Wang Shizi is going to use a knife! After this knife falls, it is not clear what the chain reaction will be, but one thing is certain, it will definitely force most businesses to be more disciplined.

Isn't that obvious? When everyone is accustomed to the payment system offered by Star Bank, who wants to use other payment methods? Especially for those who already have a credit star rating and can enjoy various benefits.

Not to mention that when this credit payment system is perfected, the kicked out merchants will definitely leave the impression of unscrupulous merchants in the eyes of the public, and it is not possible that consumers will abandon these merchants directly when they learn that they cannot support the payment of Star Bank at that time, which is really a very offensive thing......)

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