There is a big difference between online banking and traditional banks, the biggest difference is that a qiē is virtualized, it does not store zài, and even a little too much is a number of jù.

If you transfer money through the guò network, isn't it generated by the number jù?

Traditional banks can have cash deposits, although many of them are virtualized, but they have cash, and people can deposit cash to generate numbers.

As for where these numbers come from, in the final analysis, they still come from the bank, which is the result of cooperation with the bank.

Internet banks are just third-party banks, and they need to rely on traditional banks to continue to survive, otherwise, they have no way to survive, but those are not important, the important thing is Internet banking, saying that it is a bank, it is a bank.

You save money, you transfer money, you pay, you can do it.

The difference with traditional banks is that it is only a counter business transaction, and the increase is all on the Internet.

It is precisely because online banks will not have counter business handling that those banks allow Alipay to enter, otherwise, as soon as you come out, people will kill you, will you still develop? Plus you need to rely on them, they can get stuck in your neck before you can rest assured that you can develop.

In the future, when you grow stronger, well, if you are disobedient, I will stuckyou to death, and see what you do.

It's just that everyone knows that it is impossible for banks to choose to cooperate only to harm their interests and not make money.

This earning is when Alipay starts Yu'e Bao in the future, that is, when the money deposit function is used. Those cash. Can be at the disposal of the bank. This dominance is only half, and half of the dominance is owned by Alipay itself.

There are a lot of unreliable networks, and with the passage of time, more people think that the Internet is even more unreliable, because there are a lot of deceptive things on it, so what about online banks? Credibility is still a bit worrying at this time. If you don't show a good face, I'm afraid no one will save money to go in.

Raise the interest rate.

This is a permanent boost to the market, something that can be said for sure.

It's as simple as raising interest rates to attract users to save money.

In fact, if you don't raise the interest rate, people don't want to save money in, because traditional banks can also deposit money, and your interest is less than others, so why should people save to you, or an Internet bank is unreliable.

Then the problem arises again. Since the interest rate is higher than that of traditional banks, and Alipay's cash is deposited and linked to traditional banks. If it's equal, then there's no problem, they won't lose, at least not in terms of interest.

But what about people's operating costs?

Doesn't it cost any money?

In the final analysis, it is Alipay's loss.

No company wants to do business at a loss.

Then, half of the money saved in will naturally belong to the payment company, and people can take it out to invest and then operate it to make a profit.

Isn't that what banks do?

The bank issues interest, do you have such a good person in the world?

Banks are also in business, no different from a company, you deposit money, then we can use your cash, and how I use it, naturally take out the money to make money, do other investments.

Speaking of these, I have to talk about why the bank is short of money, yes, many banks are almost short of money, among which they lend, the interest can be much higher than the customer depositing money into their bank, lending too much, and then can not get in for a while, and urgently need cash, at this time, you can only find other banks to borrow, so the bank is very rich, but they are almost all short of money.

But why the banks will fail, these are all problems of their investment, there are a lot of businesses invested in the stock market, if the stock market is good, they can make a lot of money, but if their market is not good, then it will be a big trouble.

At this time, they were short of money again.

Maybe it's because of this, for the emergence of Alipay, they did not hesitate to cooperate.

The rise of the Internet, they are clear, coupled with the formation of many online transactions, so that they are optimistic about the development of Alipay.

In fact, every bank is developing the network business, but they have not succeeded, the development is very slow, and even slowly quiet, at this time suddenly a third party appeared, they reduced the risk, this kind of thing, I am afraid everyone is willing to do it.

The joints in this are clear to everyone, but they are not without doubt.

"Do you really want to stay free?" The representative of the Yang family suddenly asked.

"All the time free?"

Tang Hao didn't think about this question, and he also said bluntly: "I haven't thought about this problem yet, but it should be certain that there will be a charge in the future, which is inevitable, but the time for charging may be very late, at least in the next three years, I don't think about charging." ”

What is the biggest advantage of Alipay, isn't there no charge for transfers?

It is also that there is no charge for transfers, and many people provide great convenience when doing business, which makes Alipay popular, and then snowballs bigger and bigger.

"We don't have to think about the issue of fees first, the main thing is to run the company."

Li Chaoren also expressed his opinion at this time: "We can't get into the eyes of money, before the establishment of this company, I'm afraid everyone has also thought that it is unrealistic to make a profit within a year or two, everyone invests in this company, but long-term investment, don't be too anxious." ”

The surname Yang is one of the four major families, although this representative also knows that this is the case, but he couldn't help but ask just now.

It was Li Chao's lesson, and he had to accept it.

Yes, he is not the head of the Yang family, here, he can be the master of many things, but he cannot be lawless.

What kind of joke, if something happens, he will go back to Yang's house, and the result will be miserable.

But then again, if you can let the Yang family send him out, it can be seen that he is excellent, and when he asks a question casually, he will no longer be difficult.

"Then there's another question, a crucial one."

Tang Hao glanced at the representative of the Yang family quite meaningfully, the first time he saw it, he didn't mean to go up to get acquainted with others before, there was no need for that, and he glanced at it casually, or the next topic was more important

(To be continued......)