"This is President Su of Huhai Bank, this is President Lin, and this is Director Ma......."

Although Yao Liang is not a brave man, at least he did his best in the Alipay project, and finally opened up the relationship between Shanghai Bank. Today, the two sides met for the first time, and Zhou Liwen, accompanied by Yao Liang, came to the headquarters of Huhai Bank early and met the main leaders of the other party in the conference room.

There were three people who met with Zhou Liwen, President Su was the boss of Huhai Bank, Vice President Lin was in charge of specific business, and Director Ma was in charge of credit. It can be said that their joint appearance represents the sincerity of Huhai Bank, and Huhai Bank still attaches great importance to this project.

The two sides shook hands and said a few words, and then sat down. After Zhou Liwen just sat down, President Su nodded slightly to Vice President Lin, and Vice President Lin began to ask.

"Boss Zhou, we have already seen your project plan, and we have also discussed and studied the feasibility of this project. However, there are a few questions I want to ask Boss Zhou, I don't know if it's convenient or not? ”

"Of course it's convenient, please ask President Lin to ask." Zhou Liwen smiled very potily and raised his hand to signal.

Vice President Lin nodded and asked: "There are three main questions, let me talk about the first question, from Boss Zhou's project plan, this Alipay is used as an e-commerce transaction payment platform, from the perspective of our financial people, is it similar to the payment or redemption of the traditional platform of the bank?" ”

"There's a difference." Zhou Liwen sensitively said that when Vice President Lin asked this question, both President Su and Director Ma looked a little grim, and he knew that it was not easy for the other party to raise this question, because the State Banking Law stipulates that only banks, credit cooperatives and other financial institutions authorized and licensed by the People's Bank of China can carry out normal financial payment and redemption business in China. If Zhou Liwen equals the two as soon as he opens his mouth, it is estimated that there will be no need for the two sides to talk about it next. This is a red line, although Zhou Liwen knows that Alipay does have such a function when it reaches a certain stage, but at present, without the permission of the People's Bank of China, it is absolutely impossible to touch this red line.

Zhou Liwen first suggested that there was a difference, which made the other party slow down his expression slightly, and then continued to listen to his explanation.

"Su Xing, Lin Xing, and Director Ma, all of them are seniors in the financial industry, and they are hundreds of times stronger than me as a layman in the operation of financial institutions. E-commerce, this is a new business model, and you may have been exposed to this new business model in the past. And with the network and electronic exhibition, from the perspective of businessmen, the prospect of e-commerce exhibition is very good. I remember that two years ago, there was a survey on online survival in Shanghai, right? If I'm not mistaken, this investigation was jointly conducted by Huhai TV and the evening newspaper? ”

Hearing Zhou Liwen talk about this, everyone sitting laughed. Indeed, the survey mentioned by Zhou Liwen or, more accurately, should be real, which has caused a sensation in Shanghai and even the whole country. The main purpose of the survey, the main purpose of which was to verify whether an ordinary person could survive like an ordinary person without going out without going out in a condition where there was only the Internet and a telephone.

The survey has attracted a lot of attention from the very beginning, and when the survey is halfway through, more and more people are interested as the details of some volunteers buying various daily necessities through the Internet or by phone, and even using this way to entertain and communicate with the outside world are revealed and known to the society. The whole investigation lasted a month and a half, and when the activity was completed, the volunteers were not starved to death, suffocated to death, or had some psychological breakdown, but even easily overcame the problem. For this matter, newspapers, television, radio and other media also expressed some comments, the most eye-catching is an article, the content of this article is the advent of the Internet age to bring great changes to people's lives, this survey as an example to prove that with the development of science and technology, in the near future, people can completely change the original mode of work, life and even survival through the Internet.

As a local bank in Shanghai, Governor Su certainly knew about this sensational event. So as soon as Zhou Liwen mentioned it, they were immediately happy, smiling and nodding again and again.

Then, Zhou Liwen talked about the operation mode of e-commerce from this matter, and at the same time used previous examples to explain the potential of e-commerce exhibitions. But it also mentioned a problem that cannot be bypassed, that is, how to ensure the common interests of e-commerce and consumers while exhibiting e-commerce?

"Isn't that a good way now? The purchaser orders online and then pays for the goods by the merchant, or cash on delivery. Director Ma suddenly interjected, because this method of e-commerce is a common practice, since everyone is used to it, why bother to modify it?

Zhou Liwen smiled and asked rhetorically: "Director Ma, the model you said is a normal business model, but e-commerce is different, buyers and sellers are not face-to-face, and they can't be synchronized at all." What if there is a problem for some reason or in some way? Let me give you a few simple examples, for example, the buyer pays, the seller sells the goods, but there is a quality problem when the goods arrive in the hands of the buyer, or because the buyer is wrong, the goods guide zhì buy and receive the goods differently. Also, the buyer paid and the seller also got the goods, but the goods were lost due to transportation problems in the middle. How can these situations be resolved? ”

"If there is a quality problem, you can find a claim from the other party or the consumer association will come forward to solve it, if the wrong goods let the other party replace the goods, won't it be? As for the loss of goods, you should find the middle courier company or postal department! Director Ma replied without thinking.

"Hehe, the theory is so, but have you ever thought about it, this is very unfair to buyers. Not to mention how difficult it is to deal with these tasks, what if the seller does not cooperate, or if they are fighting each other in the middle link? After all, the buyer's money has been paid in advance, and no matter what you do with it, the buyer is on the underdog side. ”

"Then take cash on delivery!"

"By the same token, is this fair to sellers? What if the buyer regrets it? Refusal to receive the goods, or refusal to pay after receiving the goods? ”

"It's ......."

Director Ma couldn't answer for a while, and when he saw that he asked the other party, Zhou Liwen smiled and said: "Therefore, there must be a third party between the buyer and the seller to carry out the platform of responsibility to both parties to ensure their respective rights and interests." This is also the biggest feature of our Alipay. Just now, President Lin asked whether Alipay is similar to a bank's payment or exchange platform, and I replied that there is a difference, and the reason is here. To put it simply, Alipay is nothing more than a platform that guarantees the interests of both parties, and it is a middleman like doing business, and does not assume the function of real payment or redemption. ”

The three of them nodded slightly, and Vice President Lin smiled: "Boss Zhou, I understand what you mean, why is it still called Alipay?" Isn't it more vivid to call it Baobao? With the word payment, it's easy to misunderstand. ”

"Hehe, in fact, Alipay should be called Alibao, but we Chinese like to ask for a mouthful of money when doing business, so I gave this name." Zhou Liwen said casually, this reason is actually an excuse he made up himself, but it sounds impeccable.

Vice President Lin smiled, didn't dwell on this word, and directly asked the second question, that is, why do you want to find a bank to cooperate, instead of making this Alipay yourself.

In this regard, Zhou Liwen explained that although Alipay does not currently assume the role of real payment and redemption, after all, because it undertakes the model of third-party credit guarantee, there must be a bank platform to endorse Alipay when the funds flow. After all, the bank is a trustworthy and trustworthy institution in the eyes of ordinary people and merchants, and it is very beneficial to the promotion of Alipay with the endorsement of the bank. In addition, there is another problem, that is, the state does not have a clear legal text for gray financial operations such as fund-raising and private placement, and if with the promotion of Alipay and the development of e-commerce, Alipay's cash absorption and flow is likely to reach a very staggering amount. At this time, if there is no bank to support the platform that undertakes the short-term deposit of funds, this will bring great problems to the legitimacy of Alipay.

In fact, these two issues have also been studied internally by the bank, and their internal views are basically the same as what Zhou Liwen said, and they are also mentioned in Zhou Liwen's program plan, but out of prudent consideration, these problems must still be verified by Zhou Liwen.

Governor Su nodded, it seems that Zhou Liwen's views on this project are basically not much different from what they expected, if this is the case, this project is not very risky. However, he has one last question, which is very important for Huhai Bank, and whether it can determine the real basis for cooperation in this project.

The last question was not asked by Vice President Lin, but by President Su.

"Boss Zhou, according to the analysis of your project plan, when the buyer pays for the goods and the third party, that is, Alipay, is responsible for the security of the funds of both parties, and the official payment transaction is successful, there should be a time period, right?"

"Yes!"

"That's good, as a bank, the bank has two basic functions, I don't know if Boss Zhou is clear?"

Zhou Liwen frowned and thought about it, and asked tentatively: "Is it to absorb savings and lend?" ”

"That's right!" President Su smiled and nodded: "It seems that Boss Zhou still knows a little about our banking business, so I'll get straight to the point and tell the truth." Since Boss Zhou is so optimistic about the business of e-commerce, he even conducted a detailed investigation on the current sales of e-commerce, and gave a more reliable number. Then, as a bank, it is also necessary to ensure the interests of the bank. To put it simply, banks can provide platform support in terms of temporary depository funds, but there are also some additional conditions, such as the reasonable use of these funds during certain periods, interest sharing, and so on. ”

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