Chapter 118: Payment and Banking

Huang Haojie sat in his office and looked at the report sent by the Institute of Social Research in the three provinces of Zhuge Province.

Fengdu Group's integration plan has come out.

Rich Chemical Company, Fengdu Agricultural Machinery Company, Xinguang LED Company, Xiandao Company, Yuanmei Company, Green Earth Company, Fengdu Vertical Agriculture Company, Fengdu Animal Husbandry Company.

The three companies of Rich Chemical Company, Fengdu Agricultural Machinery Company, and Xinguang Company are responsible for fertilizers and equipment.

Fengdu Vertical Farming Company is responsible for working with farmers to build glass greenhouses.

Xiandao Company is responsible for cold chain logistics and warehousing, and at the same time increases the distribution center.

Green Earth is responsible for offline store sales.

Yuanmei Company is still carrying out food processing step by step.

The headquarters of Fengdu Group is directly responsible for building the intra-city transaction network and big data supercomputing center.

Of course, Fengdu Group's big data supercomputing center needs the cooperation of Galaxy Group.

In addition, the cold chain trucks of Xiandao Company and the distribution trucks in the distribution center are solved by the surging group, and part of the three-wheeled delivery vehicles in the distribution center are responsible for the Leishen Group.

It can be seen that the internal complementarity of Galaxy Technology is very perfect, and almost all links are in their own hands.

However, Huang Haojie looked at the only link that was not under the control of Galaxy Technology, and couldn't help pinching the root of his nose.

This link is the payment link.

Third-party payment platforms are indispensable in online transactions.

The payment platform is actually the "middleware" in the transaction process between buyers and sellers, which can also be said to be "technical plug-ins"; It is an independent institution that protects the interests of both parties to a transaction under the supervision of banks.

At present, the main third-party payment products in China are: Alibei (Ali), Super Credit Payment, Fortune Pass (Penguin), Gopay, Yeepay, Fast Money (99bill), Baifubao (Qiandu Company), NetEase Bao (NetEase), IPS Payment, Huifu World, and Good Payment.

Among them, the largest number of users are PayPal and Alipay, the former is mainly popular abroad, the latter is a product of Alibaba, and of course, Penguin's supercredit payment is not far behind.

In addition, UnionPay electronic payment, a subsidiary of Dongtang UnionPay, is also in the field of third-party payment, and its strength should not be underestimated.

Huang Haojie knows that if the intra-city transaction network wants to develop and grow, it is essential to have its own third-party payment platform.

Of course, it's even better if you have your own bank.

In fact, the central bank has relaxed the approval criteria for private banks in the past two years.

Huang Haojie picked up the phone.

"Hey! How's the team leader doing?"

"Thank you Huang Dong for your concern! I don't know what's going on with Huang Dong?"

Fang Dongliang knew that Huang Haojie had nothing to do but go to the Three Treasures Palace, so he asked directly.

"Haha! A little thing! I just want to ask how private banks can apply?"

"Private banks? Huang Dong is also interested in this?" Fang Dongliang asked strangely.

"The main thing is the salary of employees, plus we want to develop online shopping, if it is more convenient to have our own bank."

Fang Dongliang was speechless for a moment, is it necessary to open a bank to pay wages and develop online shopping?

"If Huang Dong really needs to open a bank, I can talk to the above."

"Then it's troublesome to the team leader, come to Galaxy Technology for dinner when you have time!" Huang Haojie said with a smile.

"You're welcome!"

After a few pleasantries, the two sides hung up the phone.

……

Huang Haojie turned his chair, and then called Zhuge Sansheng over.

"Zhuge you said how about we open a bank?"

Zhuge Sanxing listened to Huang Haojie's words, and couldn't help but look at him with a strange face.

"What's wrong?" Huang Haojie asked in surprise.

"I was about to talk about this matter to my boss, but I didn't expect the boss to think of it first." Zhuge Sansheng smiled bitterly.

"Then you also feel the need to open a bank!"

Zhuge Sanxing nodded: "Our Galaxy Technology is getting bigger and bigger, not only the capital flow is huge, but even the cash reserves are quite huge, and it is more convenient to manage it with its own bank." ”

"The bank's matter, I have been communicating with the above, I believe that there will be results soon, and you will study the domestic third-party payment platform suitable for acquisition." Huang Haojie said directly.

"Third-party payment platform?" Zhuge Sanxing held his chin and meditated.

"Boss! If you really want to acquire IPS Payment, it is easier to start with these two payments. ”

Huang Haojie also has a similar idea, after all, Ali's payment and penguin's super credit payment, the parent company is very strong, and it will not accept others to control its own payment platform, even if it is really taken down, the money is astronomical.

"Then Zhuge do you think IPS payment is more suitable for the three companies that are good to pay?"

"IPS has a bad reputation, and good payment is more suitable." Zhuge Sanxing thought for a while and said.

Huang Haojie thought about it, in fact, for Galaxy Technology, it doesn't matter the size of the payment platform, as long as there is a license.

In 2011~2015, the central bank issued a total of 260 third-party payment platform licenses, in addition to the 10 that were revoked, the remaining 250 enterprises have third-party payment platform licenses.

Obviously, except for the first ten, the rest are in a half-dead state, as long as you have money, it is very easy to get a license.

As for the top dozen payment platforms that start with billions at every turn, they are useless for Galaxy Technology.

"So be it! Zhuge you research and study those companies with third-party payment licenses in China, and find a more suitable one for Lao Li to buy. ”

Zhuge Sanxing nodded.

……

Sure enough, in the face of the power of money, not everyone is iron-clad.

The Institute of Social Research in the three provinces of Zhuge has selected three third-party payment platform companies that are on the verge of bankruptcy.

On behalf of Galaxy Technology, Li Jianhua purchased one of the third-party payment platform companies called Pengcheng QR code payment after shopping around.

It cost more than 70 million Chinese dollars to successfully acquire it, and of course, Galaxy Technology is responsible for their nearly 50 million liabilities, which is equivalent to spending more than 120 million Chinese dollars in total.

According to Huang Haojie's instructions, Li Jianhua changed the industrial and commercial information of the Pengcheng QR code payment company to Shanmei.

Then it will be renamed Mars Payment Company, which will be hung up in the newly established Mars Financial Group.

"Zhuge ! The Mars Group is in your hands! Huang Haojie directly transferred the three provinces of Zhuge from the director of the Institute of Social Research to the president of the just-established Mars Group.

After all, Zhuge Sansheng used to be an analyst in a securities company, and he was just right in the financial industry.

"Thank you so much for the trust of the owner! I will live up to my trust! "Zhuge Sansheng is very excited.

Being able to become the president of a group, and the president of a financial group, is something he dreams of.

What's more, as the Mars Financial Group under Galaxy Technology, there will definitely be no shortage of business.

Galaxy alone can bring a lot of business, if the grand strategic arrangement of Fengdu Group is completed, Mars Financial Group will at least be due to millions of farmer customers, as well as hundreds of thousands of employee customers.

Some other partners will also cooperate with the Mars Group, which is to enjoy the shade with their backs to the big trees.