For Taobao, the level of sales is actually not very significant to Taobao, because Taobao has always been free to operate, no matter how many stores are opened, the company does not charge a penny of store fees, only advertising and promotion fees, but not every store will buy Taobao's advertising and promotion services.

The real money-making project of Taobao is actually the project that "does not make money" - cash flow.

First of all, the cash flow generated by the transaction will enter Alipay for escrow, and wait for the transaction to be completed before it will be transferred to the seller's account, and the seller will often wait for a period of time before withdrawing cash. How much can this money do?

In addition, the margin system launched by Taobao also allows the deposit submitted by merchants to stay in the company's account, what a huge amount of money?

Even if the company doesn't use the money to make other investments, it just uses it to save money and eat interest, and it makes a lot of money. What's more, how could Wu Tian let the money stay in the account like that?

According to Wu Tian's requirements, as early as the beginning of the Taobao project, Jia Liang had already asked Jia Liang to develop the Alipay project in the direction of the bank.

"The next step is to continue to develop the online financial industry." Wu Tian said, "There are two aspects of development, one is the microcredit project, which allows real-name users to use the lending business for free, so that they can buy things on Taobao anytime and anywhere, without thinking about the balance in the bank card." The second project is to launch our physical banking ......"

"Physical banking?" Jia Liang frowned and said, "Is the access of private banks going to be liberalized?" ”

"Well, it is estimated that it will be in the middle of the year, or in the second half of the year, it should be able to be released." Wu Tian nodded and said.

In fact, the liberalization of the access policy for private banks has long been in the plan. As early as 2,000 years ago, China has liberalized the examination of local commercial banks, but the speed of development in this area has not been too high, and in recent years, local commercial banks have begun to blossom everywhere, and even a county or town dares to open a commercial bank. The state-run sector takes the lead, and the next step is, of course, the private sector follows up, which is almost a consistent law in China.

And Wu Jianguo has been supervising this work a year ago, although there is no accurate opening time, but Wu Tian estimated the efficiency of the above, the first half of the year is basically no play, after all, the conference will be held in March, and then there will be a round of personnel adjustments, and when it stabilizes, at least it will be in July and August.

"Hey, this has to be prepared...... Jia Liang rubbed his hands, obviously excited.

In this day and age, banking is the real most lucrative industry, and as long as economic activity does not stop, as long as money is still flowing, banks are profitable. As long as you don't do the kind of shoddy lending like a door clip, there is no risk for the bank.

With such a lucrative business, who wouldn't want to get involved?

********************************

In fact, at present, Wu Tian already has Zhongtian Bank, but due to the restrictions of domestic rules, Zhongtian Bank is currently only opened in first-tier cities, and it mainly carries out some large-scale international financial exchanges.

Therefore, in the next step, Wu Tian is ready to rely on Alipay to do online banking business and set up physical business outlets.

"Our main business should be in the aspect of online banking, and physical banks only need to build customer service centers at the municipal or even provincial levels, and for county-level outlets, we can only set up some ATMs." Wu Tian said, "The key point is that once we get the license, we must lay our outlets very quickly......

In Wu Tian's memory, Alipay's entry into the banking industry can be said to be full of obstacles.

Although the degree of openness to the banking industry in domestic policies is increasing, the monopoly nature of the banking industry has not changed much, and the four major banks have already seized most of the resources, and they are also influencing the formulation of the rules of the entire industry, and the banking regulatory authorities will only favor them.

Alipay with a huge network customer base, as well as free remittance and other businesses, undoubtedly make those traditional banks are greatly challenged, they have to launch the banking regulatory side of Alipay again and again to set various restrictions, the most direct model is to let Alipay reduce the level of service, such as not allowed free, not allowed to pay large amounts of money and other restrictive means, trying to say that Alipay to the same level as them.

This model strictly affects Alipay's attractiveness to customers, and restricts Alipay from laying physical banks, so that Alipay can only be used as an online payment tool, rather than a giant that can develop into a threat to their position.

Therefore, Wu Tian asked Jia Liang not to develop as cautiously as Alipay in the previous life, but to directly smash in a large amount of money, without waiting for the four major banks to react, he said that the physical outlets were laid across the country, and when the raw rice was cooked and matured, even if they still wanted to do something, there was no way to limit it.

"Well, why don't we just start the investigation in advance and choose to establish a withdrawal service outlet." Jia Liang said.

"Don't reveal the news, cover it up." Wu Tian said.

If you go around to check the service outlets in various places and let those banks know, you will be confused first without waiting for the review of private banks!

"I know......" Jia Liang groaned and said, "Then in the name of setting up a national collection service network, go and choose the location of the ATM......

Speaking of collection, I have to mention the express delivery service under Taobao. According to Wu Tian's requirements, Taobao and Sky Eagle Airlines have set up a courier company, which is currently the fastest and highest service standard courier company in China.

A year ago, Jia Liang announced that the next step Taobao Express will plan to establish at least two express pickup and collection service points in all cities above the county level in each city, and all of them will be established in prosperous areas to improve terminal services to a greater extent.

In the name of this, it is also a good choice to choose the location of ATMs, or even simply set up ATMs at all express delivery points, and the two are located under the same storefront. The corresponding change is only a requirement for the location of express outlets in the next step, increasing the area......

****************************************

I ate dinner early, but it was just a little after six o'clock in the evening.

"Xiaotian, your plane is set for seven o'clock, if you don't go back to your room to prepare, it's time to go." Zhang Ye said.

"Well, that's fine." Wu Tian nodded, and said to Jia Liang and Fan Xiaojian, "Happy New Year, everyone, Xiaojian, bring a good voice to my sister-in-law, Liangzi, help me to confess to the squad leader, and let it go to the capital to play in the future, hehe." You don't have to send me later, my cousin and I will go back to Beijing together. Everyone is busy for the New Year, so let's say goodbye here, hehe......"

Everyone smiled and said goodbye to each other, Fan Xiaojian pulled Jia Liang and left first - Mr. Fan has been with Tianshao for many years, how can he not have a look? Didn't you see Tianshao and everyone say goodbye, but didn't you mention Xue Keqing's matter? It's an eyesore to stay any longer.

Wu Tian also greeted Zhang Ye, and went straight to the upstairs suite with Xue Keqing.

Back in the upstairs private room, Wu Tian was busy changing clothes, and Xue Keqing said leisurely: "Can't you leave tomorrow?" ”

"Today is Chinese New Year's Eve, and it is rare for the family to reunite." Wu Tian said, "You should also go back to accompany Uncle Xue." ”

Xue Keqing said: "My dad is in Mingzhu." ”

"Oh? I said I should have gone to see him. Wu Tian said.

Xue Keqing didn't have an interface, because she knew that Wu Tian actually knew that his father was here, after all, he had already been to Hunan Province, and he hadn't seen his father over there, so how could he not know that his father had come to Mingzhu to see him? Or, the secretary who helped him meet did not tell him where his father was, but Wu Tian did not ask, does that mean that he didn't take his father to heart at all?

Xue Keqing didn't know which reason he hoped it was, was Wu Tian lying, or did he not care about himself at all?

"After all these years, you haven't forgiven me?" Xue Keqing sighed faintly and said.

Wu Tian put on a new Tang costume, festive red, this is the costume to go back to the capital for Chinese New Year's Eve, hearing Xue Keqing's sigh, Wu Tian turned around, looked at her intently, and said with a smile: "What to say?" What forgives not to forgive? Don't think too much about it, it's too busy and too tight this time. Well, for the New Year, be happy. ”

Xue Keqing nodded silently, after so many years, she finally understood some things, she was indeed too short-sighted back then, and she couldn't understand how big Wu Tian's heart was, how far her vision was, she was only entangled in that game company, and she was even angry with Wu Tian for this, but looking back now, is it really worth it?

*******************************************************

The game company that I once couldn't let go of was nothing more than a glory for two or three years, although it gave birth to the richest man in the country, but how many years did the richest man stay there? Wasn't it easy to be replaced by other characters under Wu Tian's command soon?

Not to mention, Wu Tian then asked Jiao Pengju to reopen a game company, and now he has once again pressed that game company under his feet, and there is no suspense at all.

Pity herself but feel sorry for herself that Wu Tian doesn't know how to respect her and doesn't pay attention to her feelings, but has she really understood and respected Wu Tian?

Although after that break, Wu Tian would occasionally see him, Xue Keqing knew very well that for so many years, there had always been a deep estrangement between himself and Wu Tian, and it was never resolved. What she can feel more is that her career has finally stopped at the height when she founded the game company, and Wu Tian has never given herself wings to soar anymore......

What's more, so far, he seems to be the only one among Wu Tian's many celebrities who has no children......

Over the years, Xue Keqing has had resentment and regret, but she has always been strong, in fact, how can she say the bitterness in her heart......

"Xiao Tian ......" Xue Keqing finally couldn't hold back anymore, she really didn't want to lose Wu Tian, and she didn't want to continue to be separated from him like this......

"Hehe, what's wrong, why are you so reluctant to me today?" Wu Tian smiled and hugged Xue Keqing in his arms.

"I, I miss you so much......" Xue Keqing simply climbed Wu Tian's chest at once, and her tears couldn't stop flowing.

Wu Tian smacked his lips secretly, now he had to change his clothes again......

It's not that Wu Tian is ruthless, it's really Xue Keqing's performance back then that made Wu Tian too disappointed. Wu Tian's feelings for Xue Keqing back then were quite deep, and it can even be said that if it hadn't been for that incident, Wu Tian would probably have married her home in the end. However, that incident made Wu Tian think that among all the celebrities, the one who didn't understand himself the most and was the most difficult to get along with was Xue Keqing.

Disheartened, Wu Tian naturally couldn't talk about how to love this woman anymore, and even over the years, he often forgot her existence, and even when he heard that Xue Keqing had suitors a few years ago, he still felt a sense of relief, but unfortunately Xue Keqing still refused all the pursuits, and he was still unwilling to let himself go.

"Xiaotian, I really miss you, I was really wrong......" Xue Keqing cried and muttered.

Wu Tian's heart suddenly softened, over the years, did he seem to be too cold and cruel to her? How can a woman be forgiven for being able to endure your heart to such an extent and endure it for so many years?

"Okay, girl, stop crying." Wu Tian patted Xue Keqing's back and said, "I've suffered you all these years...... Well, after the New Year, you can go to the capital to find me......"

"Go to the capital......" Xue Keqing muttered a sentence, looking up at Wu Tian with teary eyes.

"Look at you, you have to change your clothes again......" Wu Tian smiled and said, "Well, after the sixth day of the first month, you go to the capital to find me." I have to change my clothes and leave, otherwise the old man won't be able to wait for me, and he will lose his temper, and I can't bear it, hehe......"

[Bow thanks to Richs for the commuter pass!] (To be continued.) )