In order to promote cooperation, Yao Liang communicated back and forth several times, and the negotiations between Zhou Liwen and Huhai Bank also went through more than half a month, and after many consultations and concessions between the two sides, they finally reached an agreement on some issues.

According to the final result, Zhou Liwen will have a controlling stake and management of Alipay, and Huhai Bank, as a partner, will provide a banking platform for a series of technical support, and Alipay's cash flow will be endorsed by the bank, which can be properly used by the bank without affecting the operation of Alipay.

As for Zhou Liwen's interest guarantee, the bank will pay the final negotiated interest ratio, and the bank's loan has nothing to do with Zhou Liwen. In this way, it is equivalent to the two parties clarifying the division of their respective rights and interests, in a sense, Zhou Liwen uses the banking platform to operate Alipay, and gets the promise of fund security and interest income. In terms of banks, they relied on Zhou Liwen's Alipay to obtain stable cash flow to make up for the lack of savings, and used the funds to expand their lending business and scale expansion, and then borrowed Alipay's development in the e-commerce field to improve the popularity of Huhai Bank and the user and usage rate of online banking.

On the face of it, it's a win-win outcome. But neither Huhai Bank nor Yao Liang, as an intermediary, knew that the real winner was Zhou Liwen.

The reason why Zhou Liwen insisted on the loan regulatory requirements and sharing ratio before, and went back and forth with Huhai Bank, in fact, he had a plan in his heart. Zhou Liwen is very clear that Alipay's real growth was around 2O1O, first in cooperation with the Bank of China to launch the credit card payment business, and then in 2O11 to obtain the People's Bank of China, that is, the central bank's "Payment Business License" is also called "Payment License" before it really soared to the sky, becoming a legend of the payment platform in the field of e-commerce.

By the end of 2o13, Alipay's real-name users had exceeded 300 million, and the peak of single-day transactions was 1. 8.8 billion, of which 45.18 million mobile payments alone reached a single day, with a peak transaction amount of 11.3 billion yuan in a single day, thus becoming the world's largest mobile payment company.

This is just Alipay, and it has not yet counted the Yue Bao project that extends from Alipay. It can be said that at this time, Alipay and Yu'e Bao have actually become an online banking overlord with perfect banking functions. Since Zhou Liwen is very aware of Alipay's exhibition process, of course he will not start from the beginning as in history, which is simply a waste of money and labor. Either he doesn't do it, or if he wants to do it, he has to jump out of the detours that Alipay has taken in history, and directly use the simplest and fastest way to achieve the ultimate goal.

To cooperate with Huhai Bank, Zhou Liwen intends to do so. Today's online payment is not supported by a bank, such an online payment function is not sound, and credit card payment needs to be supported by the bank's financial platform. Just like the cooperation between Alipay and Bank of China in history.

In addition, it is only 2oo1 years, and the state's control over finance is still strict, and if Zhou Liwen doesn't want to make any trouble with illegal fundraising, finding a bank to endorse him is the most reliable plan. But at the same time, Zhou Liwen is unwilling to share the ownership and management of Alipay with the bank, and he may be able to accept part of the bank's investment at a certain time, but the ultimate controlling stake must be firmly in his own hands. For these purposes, Zhou Liwen will retreat as advance, point to the east and west, and deliberately put forward those impossible requirements to divert the other party's attention and judgment, so as to obtain what he needs.

When the final agreement was signed, Zhou Liwen's hanging heart finally let go. With the cooperation of Huhai Bank, his Alipay can be born. E-commerce, or the Internet era, is a big killer that determines the direction of history, and its exhibition space will definitely make everyone stunned.

Of course, Zhou Liwen will not forget Yao Liang's promise, when he threw a symbolic key to Yao Liang, this kid actually held the key excitedly and kissed it.

"I said you're not exaggerating, are you? Isn't it just a suite? Zhou Liwen couldn't laugh or cry when he looked at him.

Yao Liang glanced at him, and said very unpleasantly: "What? A suite? It's obviously a bungalow, isn't it? Boss Zhou! I can't compare to you, you are a big boss and a rich man, brother, I have dreamed of owning such a bungalow in my life, and now this dream has finally come true, don't you want me to be happy? ”

Saying that, the kid kissed the key in his hand again, Zhou Liwen could only shake his head speechlessly, and threw the prepared Wen Jiàn bag to him: "Come on, you kid take your time, these are the real estate certificate and some other information, and the transfer procedures and everything are all done for you." My company still has something to do, so I'll leave first. ”

"Wait!" Happily took the bag of Wen Jiàn, Yao Liang took out the real estate certificate with his name written on it and looked at it with a smile, and when he saw that Zhou Liwen was about to leave, he hurriedly called out to him.

"Something?"

"Hehe, Brother Zhou, come on, come on, smoke."

"You kid, everything I promised you is done, what kind of trick is this?" Zhou Liwen took his cigarette and scolded with a smile.

"I didn't recruit any tricks, I just wanted to talk to you."

"Let's talk?" Zhou Liwen looked at the other party and said very strangely: "I'm not a beauty, what can you kid talk to me about?" Besides, there are a lot of things going on in my company, where is this time. ”

"Don't worry, Brother Zhou, sit down for a while, drink water, drink water, which one ...... Aren't you well-informed, I just happen to have something I want to ask you for advice. Yao Liang put on a very low posture, lighting a cigarette and pouring water, and he was very enthusiastic.

"Nothing to do...... courteous." Zhou Liwen smiled and stretched out his finger to the other party, looked at his watch and said, "Let's say okay first!" I don't have a lot of time. ”

"It won't take much of your time." Yao Liang pulled Zhou Liwen back to his seat, and after he sat down, he thought about it and said, "Brother Zhou, isn't this time you cooperating with Huhai Bank?" This cooperation has now become a success, and my hard work has not been in vain...... As he spoke, he smiled and patted the bag on the side.

"Yesterday, that is, after signing the contract, President Su made a special call to me, and we chatted on the phone for more than half an hour, and he finally proposed that he wanted me to work at Huhai Bank."

"Okay, you kid, it seems that you have gained a lot from doing this!" Zhou Liwen was happy when he heard it, patted him on the shoulder and said with a smile: "Not to mention this house, it has actually been appreciated by the boss of Huhai Bank. ”

"Brother Zhou, don't make fun of me, I haven't reacted in my brain until yesterday. You say, do I promise President Su or refuse? Yao Liang asked with a bitter face.

Zhou Liwen thought about it and smiled: "I really can't help you analyze this matter, now you are working in the big four banks, and you have just been promoted to director, and you are young and promising in the system." As for the Huhai Bank, as an industry insider, you should know the situation better than me, so don't you have a conclusion after comparing the two? ”

"But I just can't make up my mind when I'm comparing to it!" Yao Liang sighed with a sad face: "If you want to talk about the scale, it must be our unit, the four major banks!" Who doesn't know. But as you know, for a big bank like our bank, you have to look not only at your achievements, but also at your qualifications. For example, if nothing else, it is estimated that I will have to sit in this position for at least a few years, and then have the opportunity to go down to work as a branch director and exercise, so that I can be promoted again. But then again, where is the real thing about this big bank? In case something goes wrong in the middle, or is squeezed out of the quota by the above related households, it is not impossible to sit at the grassroots level for more than ten years. As for the Huhai Bank, President Su made it very clear that the conditions he offered were twice the amount of my current salary, and as long as he passed, he could be Director Ma's deputy. Don't look at me as my current director, it's just a deputy director, it's a world of difference in essence! ”

Zhou Liwen nodded in agreement when he heard this. Yao Liang is right, although he is currently the director, he is only the director of the branch, there is a branch above, and there is a head office on the branch. From this point of view, they don't know how many middle-level cadres in the entire banking system are at the same level as Yao Liang, and he is just one of them. But in Huhai Bank, it is completely different, Director Ma is the director of the credit department of the headquarters of Huhai Bank, as his deputy, although he is only a deputy director, but he is equivalent to the senior management of Huhai Bank. One is a small middle level, and the other is a high-level deputy who is close to the top, and the gap between the two is clear and clear.

One in front of Yao Liang is a phoenix tail, and the other is a chicken head. Whether to be a chicken head or a phoenix tail is indeed difficult for Yao Liang to choose.

"You, let's make up your own mind." After thinking about it, Zhou Liwen still planned to let Yao Liang decide for himself, after all, this was his private matter, and it was his future no matter what happened in the future. Zhou Liwen didn't want to affect the other party's judgment because of his words, once this kid didn't mix well in the future, he complained about himself, and everyone didn't even have to be friends if they didn't get it.

"Brother Zhou......."

Seeing Yao Liang trying to continue to make his statement, Zhou Liwen shook his head: "Your matter is the same as a quarrel between a young husband and wife, and it is not good to persuade and persuade you to leave." In case people really can't get by, you go to persuade peace and don't complain about you when people leave? But if people are just ordinary noisy and noisy, and you break up with one sentence, people don't hate you to death? Brother, I think it's up to you to make your own mind about this matter, whether it's right or wrong, it's your own choice, do you say that's the truth? ”

Zhou Liwen said it so clearly, where did Yao Liang not know what Zhou Liwen meant? He thought about it carefully, sighed and nodded.

Zhou Liwen got up and looked at the time, there was really something in his company, and he had to rush back immediately. But just as he was about to leave, Yao Liang suddenly asked.

"Brother Zhou, if I go to Huhai Bank, can you and your Alipay give me support?"

Zhou Liwen stopped, thought about it and turned around and said: "I am very optimistic about the Alipay project, otherwise I would not have invested such energy and funds to operate." As for our relationship, do you think it still needs to be asked? No matter what you decide, I will definitely help if I can! ”

Hearing this, Yao Liang immediately smiled, and from his relaxed expression, it could be seen that he had made a decision in his heart, Zhou Liwen didn't ask much, nodded slightly, turned around and walked out quickly.

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