463.Chapter 463 Alipay's Big Killer

The arrival of Ma Yun brought the enthusiastic atmosphere of the scene to a climax, and countless actors and actresses began to squeeze towards Ma Yun, struggling to put on almost, Ma Yun responded politely, which is surprising that Fan Bingbing, who is known as a strong woman in the entertainment industry, took advantage of this opportunity to have an attitude towards Ma Yun to the point of being enthusiastic and thirsty, and his courteous appearance made many people secretly slander themselves.

Ma Yun is a teacher, although his appearance is slightly bizarre, but he is born with a good eloquence, no matter how Fan Bingbing hints, he can use his special eloquence skills to go around other issues, so that Fan Bingbing secretly gritted his teeth.

However, in the entertainment industry, in addition to these messy interest chains, Ma Yun still has some good friends, such as Li Lianjie.

Ma Yun likes to watch movies, and has invested in a lot of entertainment film and television industries over the years, and he may also have film and television actions in the future, and some of Li Lianjie's kung fu films are also one of his favorite themes. made Li Lianjie and Ma Yun good friends who talked about everything in private.

So in terms of awe, Li Lianjie will definitely be more in awe of the owner of this party than anyone else, even now, Li Lianjie is a little dizzy, from Ma Yun's mouth when he knew that Zhang Heng was the largest shareholder of Alibaba Group, he was stunned for a while.

The entire venue is now basically dominated by Ma Yun, and the CEOs of many companies are also close to Ma Yun from time to time, making Ma Yun the focus of everyone's attention in an instant.

It seems that everyone likes Jack Ma, but there are exceptions to everything.

Liu Qiangdong, president of this winter mall Century Trade Co., Ltd., who is also doing e-commerce, is obviously very puzzled by the popularity of Ma Yun in everyone.

He is not puzzled by Ma Yun's popularity by everyone, because it is him, if it is not because he is in competition with Ma Yun, he may also come forward to set up a set, so as to lay some foundation for future cooperation, he wonders about Ma Yun's growth style.

Liu Qiangdong stepped into the e-commerce circle earlier than Ma Yun, but unlike Ma Yun, Liu Qiangdong started as an e-commerce company in the B2C model, which is the mode in which suppliers buy things to customers, while Taobao is a C2C model, which generally refers to personal transactions between customers and customers.

When this winter trade chose to start with the B2C model, it also considered the C2C model, but because of the fraudulent relationship between customers and customers in that era, and there was no online payment system such as Alipay this winter, it directly ignored the C2C model and turned to the B2C model, that is, the customer placed an order in the online Guò Mall, and then paid by Guò bank card, the manufacturer and supplier will receive the customer's order in the first time. Then the goods are matched and sent directly according to the requirements of the order, eliminating the need for buyers and sellers to communicate directly before shopping, as is the case with Taobao.

The most important reason why Liu Qiangdong doesn't want to do the C2C model is that he doesn't have a complete and secure payment platform.

The first is that he does not have the ability to build such a platform, and the second is that he is not optimistic about such a payment platform.

You know, in the nineties of the last century, to make such a payment platform, to bear the huge risk of basically not having the slightest income in the early stage, the bamboo basket is empty is something that no businessman wants to see, so Liu Qiangdong chose B2C, with the backing of major banking systems at home and abroad, Liu Qiangdong made money and earned peace of mind.

But it is such a payment platform that he is unwilling to be touched, but he missed the opportunity to dominate the Chinese e-commerce industry.

Today's Taobao and Alibaba have become the largest e-commerce companies in China, even if there is no messy expenses such as advertising and platform recommendation fees, just by virtue of Alipay, which is a big killer, Alibaba can basically introduce all e-commerce companies.

Before 2012, there were 200 million people using Alipay, which is undoubtedly a terrifying number, because even if only 100 million people are shopping, Alipay's daily capital flow is a huge amount of wealth.

For example, if a buyer makes a purchase through Alipay, if the buyer buys a 100 yuan item on the first day, then he needs to transfer 100 yuan in cash to the third-party payment platform - Alipay system.

If the goods arrive at the buyer on the third day, when the Alipay system transfers 100 yuan to the seller, the Alipay platform will generate a capital flow of 100 yuan on the same day.

If 100 million people send 100 yuan to Alipay, then on that day, there will be 10 billion payment flows.

If someone sends money to Alipay every day in the past three hundred and sixty-five days, then the flow of funds in these three hundred and sixty-five days, 100 million people dedicated to the Alipay system, will be a terrifying number, even if the interest generated in it, I am afraid that countless people can become billionaires.

This is an absolute killer that could even overturn the banking system if further developed.

This is the charm of Alipay, and it is also a money-making opportunity that makes Liu Qiangdong's eyes red.

What Liu Qiangdong didn't know was that in the near future, the Yue Bao system, which stretched out from Alipay and disrupted the bank's interest rate, may make him even more red and jealous.

The high interest rate generated by the Yu'e Bao system every day is unbearable for ordinary state-owned banks, and it is also a nuclear weapon that can directly cause the bank's interest rate to collapse instantly.

It's just that both Ma Yun and Zhang Heng, who already knew the entire Yue Bao incident, knew that even if such a thing happened, it would not last long, and what they made was just money with a time difference.

Because such a "nuclear weapon" is bound to be resisted by all the banking industries, not only the major banks will join forces to block Alibaba, but once things are out of control, the country will not tolerate such things that are beyond common sense.

Because in that case, everyone basically doesn't have to work, and the high interest rate that is born every day is basically enough for the rest of their lives, who still works?

Liu Qiangdong doesn't like Ma Yun, and Zhang Jindong, president of Su Ning Cloud Business Group, another e-commerce company, also can't get used to Ma Yun.

The so-called peers are enemies, and the same is true.

Of course, there is another saying of truth: the enemy of our enemy is our friend.

So Zhang Jindong, who was a little bald, found Liu Qiangdong, who seemed to be leisurely, and the first thing he said was: "Let's cooperate and kill Alibaba." ”

Liu Qiangdong was startled, turned around and looked at the middle-aged man in front of him, who was half a head above him, and said with a smile: "Mr. Zhang, today is a festive day, your fierce eyes are seen by Zhang Heng, and he will be worried about him." ”

"Really?"

Zhang Jindong said coldly: "Zhang Heng and I are both surnamed Zhang, five hundred years ago we were a family, I don't look at the face of the monk to see the face of the Buddha, I can block him from a cat and a dog, and Mr. Zhang can have his current achievements, how can he only look at the surface of people?" ”

Liu Qiangdong found it interesting.

In today's e-commerce world in China, in addition to Alibaba's dominance and a glance at the mountains, it is his largest turnover in the mall this winter, followed by Dangdang, Amazon and other enterprises, Zhang Jindong's Su Ning Tesco has just set foot in this industry, and it is still running the same B2C model as Taobao, so the newcomers are basically backwards, and they earn the leftovers from the leftovers that these giants eat.

Liu Qiangdong doesn't think that he can make any big profits by cooperating with Zhang Jindong, let alone crushing Alibaba, and he doesn't know where this bald Zhang comes from, but he Liu Qiangdong will not accompany him to mess around, he is now in a war with Taobao, fighting a price war, above board, and can win some word-of-mouth, Zhang Jindong's crooked ways, he is not very cold.

"The current e-commerce industry is basically swallowed by Ma Yun alone, and it is not easy to find a little minced meat from between his teeth." Zhang Jindong looked at Ma Yun who was starry, "But once some people gain power, there will always be times when they get carried away, I got some news, Ma Yun is about to reform the Alipay system, I think this guy is dying." ”

"How?" Liu Qiangdong asked with great interest.

Zhang Jindong sneered: "Ma Yun's Alipay is about to cooperate with a monetary fund, wanting to attract users to buy their financial products, you know, the current money market fund is to rely on continuous financing to become bigger and stronger, and their interest rate is amazingly high, far beyond the general bank interest rate, if Alipay's new products really have as high interest as the monetary fund, what do you think will happen to those masters who control the bank to count money until their feet cramp?" ”

Liu Qiangdong didn't understand it at first, but when he completely sorted out his thoughts, he was taken aback.

If it is really as Zhang Jindong said, Alipay launches fund products similar to wealth management products, with the adhesion of Alipay's 200 million users, Alipay can definitely overturn a state-owned bank in an instant, in this way, Ma Yun is a tiger's mouth, touching the interests of most people in the banking industry, and it is bound to be resisted by those financial tycoons, and even a strong counterattack!

Although the number of people who use Alipay in the world has reached an astonishing 200 million, there are more people who deposit money in the bank.

Although Alipay has a high interest rate, without the support of bank withdrawals, it will definitely collapse instantly!

In this way, Ma Yunke just lifted a stone and smashed himself on the foot, and he did his own wrong.

Although I don't know whether the news is true or not, but after careful reasoning, Liu Qiangdong actually found that Alibaba definitely has a trajectory of development in this direction, and he was suddenly quite moved, even if he knew that the major banks were awesome, the country would not let them kill each other with Alibaba and consume the domestic economy, but as long as there is a slight possibility, once this economic war breaks out, even if Alibaba does not die, at least it can shed its skin!

Seeing competitors deflated is undoubtedly everyone's greatest wish.

Thinking of this, Liu Qiangdong suddenly said happily: "Brother Zhang is really insightful!" Tell me, how can we work together? ”

Zhang Jindong smiled, then cautiously looked left and right, and then explained his plan to Liu Qiangdong in detail.

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