"You came to our basketball court once that day, and then I scolded you as a P2P company, I'm really embarrassed."

Xu Xiaoai finally remembered: "Oh, I remember, you really scolded me away at that time." Xu Xiaoai laughed on the phone, and Zhang Quan smiled embarrassedly: "Can you do it again?" Now that the education department has issued a document, I don't know anything about you, can you please explain it to me again? ”

Xu Xiaoai finally saw the dawn, she took Ding Liang to the basketball court again, this time Zhang Quan was waiting for them there, and when the two of them came, he politely pulled them to the seats next to them, and one of them carried a bottle of mineral water, and scratched his head embarrassedly: "I'm really embarrassed, I used to treat you as liars, and now I know that you are here to help us." ”

Xu Xiaoai and Ding Liang looked at Zhang Quan's change, and they were also a little embarrassed: "We are not here to help you, we are actually helping the education department to reconstruct the entire social system, and the structure of the trust can play a great role in it, but it may be a change in the profit model for you, because the time for our funds will not be given to you at one time as before, which has been made clear by the education department." Error-free updates @"

Zhang Quan hurriedly nodded: "We have been notified of this, they said that this is a good thing for the benefit of the country and the people, although our business will have a little loss, but it will also bring us more business, now the news is overwhelmingly reporting the collapse of the education and training institutions, there are many parents who originally wanted to sign up for basketball lessons are hesitant, they are worried that we will not be here for a long time, will it suddenly disappear one day." You see, a few parents over there have been here a few times, and they really want to sign up for their children, but they are worried about this. ”

"I told them about your model today, and they are very interested and willing to sign up immediately."

Xu Xiaoai followed the direction of Zhang Quan's finger, and sure enough, she saw several parents with their children excitedly watching others play.

"That's great, Zhang Quan, you are willing to be the first merchant to stay in our single service trust, we actually have a publicity plan for the first merchant, so that you can open up a popularity of your basketball court, and more people will be willing to join your basketball training class."

"That's great," Zhang Quan rubbed his hands on his clothes, his face was excited: "Then it seems that my business is not affected, but it may increase exponentially, right?" ”

Xu Xiaoai smiled: "I can't guarantee this, but I know that these customers who play basketball with you will be very relieved." ”

"Okay, what procedures do you have to go through, I'll do it immediately, when will it be established? Is it okay tomorrow? "It seems that Zhang Quan is still an anxious child.

Ding Liang hurriedly stabilized him: "It's not so fast, there are still a lot of procedures for the establishment of a trust plan, although we already have a single before, but now we have to do system docking, and we also need to have the cooperation between the data company and the custodian bank and us, we have to study this when we go back, don't worry about it first." ”

Xu Xiaoai was forcibly pulled away by Ding Liang, and Zhang Quan's expression of looking at him from a distance made Xu Xiaoai's heart full of motivation.

"What are you doing in such a hurry to pull me away? I still have a lot of details to talk to him about. ”

Ding Liang poured a basin of cold water on her.

"Originally, there was no single business, but now that you have a business, are you ready for the rest of the business?"

"Isn't it just a single thing to do to prepare for this? It's almost as good as paying for him manually. ”

Ding Liang looked like he hated iron but not steel: "I said Comrade Xu Xiaoai, are you stupid to run business, think about it, if this order is online and our company is hyped up, will all the other merchants be found?" And after the education department came down with this article, you also investigated last time, there are nearly 200 in the whole city, they have all come to the door, do you give them all handiwork? Are you trying to exhaust our entire operation? ”

Xu Xiaoai patted Ding Liang on the shoulder: "I said, it turns out that what you are worried about is this, I have already thought about this, doesn't our company have a small loan system?" That.

A system is similar to our existing system, we just need to find a way to transform this system and use it directly. ”

"Really? It's that simple? ”

"Of course. @*~~" Xu Xiaoai walked into the office triumphantly, she was going to go to Mr. Gong of IT in the afternoon to discuss this matter, in her mind, can't she just move the small loan system over and use it?

"What do you say? Just move it over and use it? What kind of fantasy are you talking about? "It is a few big things for Mr. Gong: "Xu Xiaoai, you told me at the time, asked me if I could use it, I told you that I could use it, but you didn't tell me that you were in such a hurry to use it, you have to know how long it takes to move a system?" ”

Xu Xiaoai's eyes widened: "You told me last time that there was no problem at all." ”

"Yes, there is no problem, but you have to know that I need time, the difficulty is nothing, and I don't need to develop much more, but I need to rebuild a new system to completely isolate the original data, you may have some adjustments above, I have to allocate manpower to adjust it for you, do you have this IT requirement? I haven't seen anything approved by the leadership, and I haven't been included in my plan for this year. ”

Xu Xiaoai was dumbfounded: "This is not good, Mr. Gong, my project is about to be established, and there is already a merchant to join, you said that there is no system yet, do I use all manual transfers to them?" ”

"What else can you use without hand? Isn't that the simplest truth? And there's one of the most important questions here, have you thought about it? How these customers transfer their money to the trust account has nothing to do with my system, and I am also a friendly reminder. ”

Mr. Gong's words woke Xu Xiaoai up directly, yes, how can other customers transfer money to the trust account, just give them an account directly? Let them transfer money manually, which is not impossible, but now the mainstream payment method is not through manual remittance at all, and this single single remittance will make customers feel very inconvenient.

She called Zhang Quan: "How do these parents of yours usually call you for money?" ”

"Oh, this is simple, they can directly use Alipay or WeChat to scan the code on the spot."

"Then you said that they should call the trust account directly, is this convenient?"

"In this way, this is tantamount to changing my original payment method, some customers still need to go home and then transfer, let them go back and forth, a hesitation may not be reported, you must solve this point, otherwise it will affect the collection of all merchants."

Xu Xiaoai hung up the phone, knowing that she had a big problem, she had only considered the transfer before, and had not considered receiving the money at all.

She has already changed the payment path of the merchant, and if she wants to change the payment method of the account, then no merchant is willing to join.

It seems that there are quite a lot of things to consider, and because the education department has issued this guidance, some institutions have also called to ask, and now it is Xu Xiaoai's turn to be bigger, the merchants have it, and the demand has it, but there is no way to transfer money.

And today, the boss of the custody department of Chase Bank also called her: "I heard that your service trust is going to start on a large scale, you have to consider the pressure of our custodian bank, the amount of data in the early stage should not be too large, and the system docking can be done on a large scale, otherwise we will not guarantee that we can transfer money in time." ”

Xu Xiaoai was forced to be in a hurry, before getting on the system, if all manual, the operation in this is too risky, she sat in the office and thought about it for an afternoon, and rushed into Daniel Zhang's office when it was almost time to leave work.

After Xu Xiaoai reported the situation to Daniel Zhang, Daniel Zhang became cautious: "Xiao Ai, I originally thought you were just a small fight, but now I didn't expect you to really make a name for yourself, I support you, immediately ask the IT department to evaluate, find a way to get on the system, but before the system comes up, there can not be too many merchants to settle in, Xiao Ai, I suggest at most 10, you manually accumulate experience, on the system and then roll out." ”

The construction of the system could not be so fast, Xu Xiaoai sadly started to do it manually, at first it was just WeChat, and Alipay's payment could not be paid, she could only tell the merchant to ask them to directly transfer the money to the trust account.

#许总, you can't do this, now we don't want to collect the advance payment, collect it.

The way of payment is still so simple, I want to complain if you do this, it has seriously affected my business. #

#总, can you move faster? Every time I have to wait for money to be transferred to me, I have to wait for hours, and the customer says that the money has already been transferred to the account, why can't it arrive in real time? #@

#许总, I can wait for the money to be used in a hurry, I have to repay the credit card today, if you don't allocate the money to me, my capital chain will be broken, you hurry up and think of a way for me. #

Xu Xiaoai keeps calling every day, although only 10 of these merchants have come in, but they need eight, and the most important thing is to ask for money to arrive immediately.

And Xu Xiaoai has to rely on the efficiency of the custodian bank when transferring money, she gave the instructions to the custodian bank, and the custodian bank still needs to review, and the custodian bank has a lot of opinions: "How can I review your business, there are no basic materials, do you want me to transfer money with my eyes closed?" ”

Xu Xiaoai's head was about to blow up every day by these trivial things, and she said to the boss of the custodian bank: "This kind of business can only save the review link, if it really doesn't work, you can open the authority directly to us, and we will transfer the money ourselves." ”

"Okay, if you don't go through us, don't enter our hosting system, then you can toss it yourself."

In this way, the custody department of Chase Bank directly ignored Xu Xiaoai.

Xu Xiaoai was a little worried, because the new regulations on asset management require all special trust accounts to be managed.

For this matter, she went to the compliant Mr. Wei, and the compliant Mr. Wei thought about it: "It should be said that the trust account must be a proprietary account, as long as you set up a trust product, the isolation function of the trust property will actually take effect, as for whether you can enter the bank's custody system, that is another matter." @*~~”。