It is not easy for people to be at the top of the bank, let alone Governor Su. It seems that they are very aware of the pros and cons of Alipay for the bank, and if Huhai Bank reaches an agreement with Zhou Liwen to engage in this Alipay together, although it will have to make certain adjustments and a lot of work in the existing banking system to ensure the operation of Alipay. However, the benefits that this Alipay brings to Huhai Bank are also obvious.

First, as a new local bank established by the restructuring of credit cooperatives, Huhai Bank has no advantages over the four major banks, and belongs to the little brother of the little brother in terms of scale, outlets and capital reserves. Banks need to develop, just like the two basic functions proposed by Governor Su: absorbing deposits and lending. However, from this point of view, it can almost be said that the business network and customer base faced by Shanghai Bank are congenitally insufficient.

Second, if we expand in the traditional way, if we want to expand the business scope to half the size of the current four major banks, I am afraid that this will not be successful in a short time. More than ten years later, the influence of Huhai Bank is still insufficient, and in addition to the local area of Shanghai, it only covers a few surrounding provinces and cities. Coupled with the frantic expansion of various banks a few years later, Huhai Bank, which was already congenitally deficient, was even more difficult.

However, if Alipay is exhibited in the field of e-commerce, it is equivalent to jumping out of the original rules and regulations, so that Huhai Bank has an opportunity to take a leap. In addition, the bank has carefully studied and passed the operation mode of Alipay, and the bank attaches great importance to the fact that although Alipay is not operating, it has a natural storage function. With this platform, according to the current sales situation of domestic e-commerce, it is absolutely no problem to maintain a certain amount of funds for a long time. Of course, Zhou Liwen also planned the prospect of Alipay, and even estimated that with the development of e-commerce, Alipay will have more than a dozen or even billions of stable capital flows. Although there are different views within the banks, there is a consensus on the idea of having a flow of funds.

The question asked by Governor Su is actually the most critical point, because it represents the real interests of Zhou Liwen and the bank, and it is also the key to the current operation of Alipay.

"The interest is calculated according to your bank's current current current interest, as for the loan share, I don't know if President Su has a plan?"

Zhou Liwen had already been prepared, first clarified the ownership of the interest, and then threw the question directly to the other party.

"Eighty-two points, what do you think, Boss Zhou?" Governor Su asked with a smile.

Zhou Liwen smiled, shook his head and said, "President Su, this ratio is too low, I remember that the proportion of bank peer lending is more than this, right?" ”

"Boss Zhou, these are two different things at all." Director Ma, as the director of the credit department, explained: "How can peer lending be compared with long-term cooperation? What's more, the bank's peer lending does not incur operating expenses, and the cooperation between us is inseparable from this aspect, under the premise of giving a fixed interest income, the eighty-two share proposed by Su Bank is still very reasonable in my opinion....... ”

Governor Su waved his hand and interjected: "Boss Zhou, you can also put forward your requirements, talk about business, everyone is talking." ”

"I think a 55-5 split is a reasonable way, and our company needs to send a professional accountant to supervise the lending."

"It's absolutely impossible!" Vice President Lin immediately refused: "It is impossible for our bank to accept this ratio, and our bank must be solely responsible for lending, and it is impossible for external institutions to have this kind of supervision power." This is not only for Boss Zhou, but even in the industry lending, there has never been such a statement, which has touched our bottom line. ”

"What if the loan results in bad debts and the loan cannot be recovered? Is this loss borne by your bank or by me? Zhou Liwen asked-for-tat.

"Shared responsibility, of course!"

"Well, a joint responsibility, since it is a joint responsibility, as the responsible party has the right to supervise, isn't it a normal thing?"

"There's never been a rule in the banking industry that hasn't been there, it's the norm."

"It can be without before, but it doesn't mean that there will be no in the future, please don't forget that this is a cooperation between the two sides!"

The two sides immediately argued over this issue, and the scene that had been harmonious just now suddenly became tense, and no one would give an inch. This time, Yao Liang, who had been silent on the side, was in a hurry, originally he watched the negotiation go smoothly, and his heart was happy, and he felt that this matter was basically done. As soon as the agreement is signed, the bungalow will be in hand, but who would have thought that suddenly the situation will change, and the two sides will have a tendency to quarrel.

Yao Liang, who couldn't sit still, saw that the situation was not good, so he hurriedly came out to play a round.

"Su Xing, Lin Xing and Director Ma, Boss Zhou is not very familiar with the banking system, and it is normal for the two sides to have disagreements on issues, so let's do it, it's almost lunch time now, how about everyone eat first and talk about it in the afternoon?"

Vice President Lin and Director Ma seemed to have an argument with Zhou Liwen, President Su thought about it and readily agreed: "Okay, let's eat first, Boss Zhou is a guest, and I will be the host today." ”

"Then thank you, Governor Su." Zhou Liwen didn't shirk it, and immediately nodded with a smile.

Lunch was arranged in a hotel next to the bank, although the reputation of the hotel is not very good, but the environment and dishes are still good. At the dinner table, after a few glasses of wine, both sides seemed to have forgotten the dispute just now, and the atmosphere gradually became lively again. Especially Yao Liang, as an intermediary, he used his skills to intervene at the wine table to mediate the atmosphere. And Zhou Liwen is not a stingy person, business is business, friends are friends, with his attitude, Vice President Lin and Director Ma, who were dissatisfied with Zhou Liwen before, also put down their shelves, drank wine and chatted all over the world, and after a while, they called brothers and sisters.

When he was almost drunk, Zhou Liwen went to the toilet to "pay the water bill", and Yao Liang followed out and pulled Zhou Liwen aside outside.

"I said Brother Zhou, your requirements are too high, fifty-fifty? You can figure it out! ”

"What's wrong? Cooperation, what's wrong with half points? Zhou Liwen asked slightly drunk, looking very disapproving.

Yao Liang laughed and cried Zhou Liwen's literacy, the bank is a very special institution, it is between the commercial and the official, fifty-fifty in the way, in the current bank is impossible to deposit zài, not to mention Zhou Liwen's request for supervision of loans no matter which bank can not accept. You must know that this kind of right is not to mention a partner like Zhou Liwen, even violent institutions such as public security bureaus, procuratorates, and courts can only inquire about information with the permission of the bank's higher-level authorities, not to mention sensitive regulatory supervision requirements. Unless you, Zhou Liwen, represent the People's Bank of China, and you are authorized to do so.

"And this kind of thing? You kid won't lie to me, will you? Zhou Liwen asked in surprise.

"My brother Zhou, why am I lying to you? Don't forget that I'm on your side! What's in it for me to lie to you? Yao Liang said a little anxiously.

Zhou Liwen thought for a while, shook his head and said, "If that's the case, isn't it impossible to cooperate?" I can't just watch my money run unsafe, can I? You are a bank, you should know better than me the bank's annual bad debt ratio, do you think this risk is borne by me and there is no regulatory power to be reasonable? In case of a loss, or if you can't get back the money you put out, let alone fifty-fifty points, even if you pour eighty-two for me, I dare to do it? ”

"It's ......." Yao Liang had nothing to say for a while. What Zhou Liwen said is also reasonable, he is not a bank, but he is losing his own money, and the bank loses money with the state and higher-level institutions, whether it is the president or the director, and it will be a work mistake when the time comes. But Zhou Liwen is different, he must ensure the safety of funds, otherwise there is no way to do this business at all.

Thinking of this, Yao Liang is head is as big as a fight, it is impossible for the bank to put this mouth, as for Zhou Liwen, there is also Zhou Liwen's bottom line here, so how can the two sides talk together? If he can't talk about it, won't his efforts these days be in vain? And as far as he knows, cooperation with Huhai Bank is the most likely to succeed, if even Huhai Bank can't cooperate, then this matter will be completely yellow, as for the bungalow he hasn't gotten yet, it will definitely fly like a boiled duck.

"Brother Zhou, how about you take a few more steps?"

"Concessions, how to concessions? They can also give in! Do you just want me to give up the loan benefits? Isn't that a joke? Zhou Liwen asked rhetorically.

Yao Liang frowned and thought hard, patted his thigh after thinking for a long time, and said, "There is!" Brother Zhou, you don't think this will work, let the bank increase the interest rate, as for the loan share, you simply don't ask for it, so it means that you keep your money in the bank, and you don't have any risk. It doesn't matter to you whether the lending bank makes money or loses. ”

"Joke! How much interest can I have? I said brother, you yourself are from a credit background, can this current interest be compared with the loan income? If I just make an interest, I'm afraid I can't even guarantee the operating costs, so what can I talk about making money? ”

"Don't worry, Brother Zhou, this interest rate can be discussed." Yao Liang hurriedly explained: "Of course, I won't find normal interest calculations, which will definitely be bad for you." However, I am afraid that it will not work according to the calculation of lending, after all, lending, is it only a temporary act, isn't it? In this way, you wait outside first, and I will go in and have a good chat with President Su first, and try to give you a mutually acceptable ratio? I think it's the best of both worlds, because you don't have to take risks, and the bank doesn't have to worry about the loan problem, isn't it the best of both worlds? ”

"It seems to make sense, but do you think it will work?" Zhou Liwen thought for a while and asked hesitantly.

"It should be possible, I'll go in and ask, Brother Zhou, you wait!" Yao Liang saw that Zhou Liwen was moved, and hurriedly said hello to him, and hurriedly ran to the private room.

"Hehe......." Zhou Liwen looked at his distant back and smiled, took out a cigarette and lit it, as if he didn't care about his previous insistence, and looked confident.

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