Rebirth of Cyber ​​Hegemony

"Credit system?"

Liu Yong was taken aback for a moment: "How do you say this?"

"Mr. Liu, our payment pass was originally used as a third-party guarantee. Buyers were afraid that sellers would not ship goods when they bought goods, and sellers were afraid that buyers would not pay for goods, so our payment pass was launched. The purpose is to guarantee both buyers and sellers. In this way, both buyers and sellers are relieved of this."

"I understand this, I have to say that your payment pass is very innovative, which also makes e-commerce possible."

"So, it is precisely because the payment pass is a guarantee. At the beginning of its establishment, he has the characteristics of credit. This makes buyers and sellers believe in us, so our payment pass has been promoted. Now, the use of Alipay has become wider and wider, and we have also established a credit system for users through Alipay."

"This system judges a person's credit rating based on the user's buying and selling behavior, funding situation, etc.. The higher the credit score, the stronger the ability to perform the contract. At the same time, we can achieve it through his credit score. The purpose of risk control."

Chen Yu's explanation gave Liu Yonghao a thumbs up: "Great, Mr. Chen, how did you think of the credit system?"

Although their credit business has not yet started. However, if Huanyu Technology's payment pass is used as a judgment of the performance of the contract, then such a business is undoubtedly feasible. If a consumer is going to make a loan, he can take a look at his credit score. If the credit score is not reached, his performance ability is relatively low and he can refuse to issue loans. If the credit rating is enough, it means that he has a strong ability to repay the loan, and this business will be completed.

Although this cannot be said that credit scores can completely eliminate bad debts, with such a review, the entire loan business is much safer.

"We are forced out by the market. Some of our commercial companies are not like your banks. You are customers asking for loans, and we are asking customers to buy things and consume. You don’t have to worry about losing business. If we don’t Business, then it has to go bankrupt...So, we thought of such an idea."

"Mr. Chen, it looks like our bank is very profitable, depending on what you said."

Liu Yong scolded Chen Yu funny.

However, although Chen Yu's words are not so objective, they are correct.

Why doesn't their bank engage in credit loan business?

Could it be that they have no money?

This is not at all.

They just don't want funding problems.

Of course, they can also think of some ways to reduce the rate of bad debts.

For example, they can also set up a credit system.

However, because banks don't worry about not having business, they simply don't think about it in this direction.

"Mr. Liu, how about it. With my credit system, can this business still be done?"

"Do it, of course do it."

Liu Yonghao nodded in satisfaction this time.

Although such a business may not seem big, it is not.

Think about how many people buy mobile phones, computers, and various electronic devices?

Even if each person is a few hundred yuan or more than one thousand yuan, the total amount is too much.

Moreover, with their Huanyu Technology's Alipay as a credit guarantee, the bad debt rate is not unavailable, but it can definitely be reduced to a safe level.

For such a business, their Minsheng Bank is definitely very welcome.

There is another problem here. Not everyone has a PayPass account.

Actually it doesn't matter.

It is impossible for Huanyu Technology to do business for everyone.

As long as there are people from Alipay, this business is already extremely large.

As a matter of fact, the current users of the Paypass that Chen Yu engages in are already very impressive.

In order to promote Alipay, Chen Yu bound the Alipay business with Internet cafe management software.

The Internet cafe management account is in fact a PayPass account, and users can also conduct online shopping through the Internet cafe.

It should be said that as long as they can access the Internet, they basically have a PayPass account.

"If this is the case, then we will decide on the specific operation rules. I will send someone to connect with the Minsheng Bank."

"no problem."

"That's it, Mr. Liu, I won't delay you, I'll go back first."

"How can this work? You rarely come here. How to say I am a local lord, I have to do my best as a landlord."

"It's too busy."

"No matter how busy you are, you can spare time. I'll listen to me this time. By the way, there is a banquet tonight, all of which are big bosses in finance. In the future, you will have to deal with them and let you get to know them."

"In that case, I will listen to Mr. Liu's arrangements."

Can't shirk, Chen Yu can only agree.

...

"Mr. Liu, how did you get there."

"Didn't I bring a heavyweight guest?"

"Heavyweight, what are you talking about?"

"Look, don't you have any eyesight."

That night, Liu Yonghao took Chen Yu to the banquet.

However, many people are surprised by Chen Yu who is next to Liu Yonghao.

I don't know why Liu Yonghao brought a young guy here?

But after Liu Yonghao's introduction, everyone's eyes widened and they could hardly believe it.

"Are you Chen Yu?"

"Doesn't it look like?"

"No, no...No, President Chen, you really surprised us."

To talk about Chen Yu of Huanyu Technology, I have heard of them all.

But speaking of real people, few people have seen it.

It's just that although I haven't seen it, who is Chen Yu.

The name of the person, the shadow of the tree, and Chen Yu's name, even the big names in the financial world must look at him.

"Come on, Mr. Chen, let me introduce to you, this is Mr. Huang from the Agricultural Bank of China."

"This is President Li from Bank of China."

"This is Mr. Zheng from Bank of Communications."

"This is Mr. Zhang from Industrial and Commercial Bank of China..."

Those who came were all big bosses, and the lowest were all at the rank of vice president.

Chen Yu shook hands with everyone one by one.

"Mr. Chen, I heard that you opened the account of Huanyu E-commerce in Minsheng Bank. Can you open part of your account to ICBC?"

After turning over the introduction, Mr. Zhang of ICBC said at this time.

"I said Lao Zhang, what do you mean, grab business in front of me?"

Liu Yong glared at Mr. Zhang.

"What is robbing business? The business of Huanyu e-commerce can't be monopolized by the Minsheng Bank alone, right?"

"No, Mr. Liu, you don't know, we all have opinions."

Mr. Li from the Bank of China also said.

"How about it, give us some points."

Mr. Zheng from Bank of Communications also said.

After speaking, everyone turned their eyes to Chen Yu: "Mr. Chen, what do you think?"

"Everyone, these things are easy to say, if we have the opportunity, we can cooperate more."

Chen Yu did not refuse what they said.

In the future, a Minsheng Bank will definitely not be able to handle it after the expansion of its business in the future.

Huanyu Technology also has to cooperate with a number of domestic banks.

In addition, Chen Yu had to let PayPay maintain close cooperation with major banks from the beginning.

Otherwise, if Alipay failed to grow and be strangled by their bank, then Chen Yu would have to cry to death.

You know, a business such as Alipay seems to be a third-party payment tool.

But if he gets bigger, any bank can do it.

This is why the previous teacher Ma has the confidence to say that if the bank does not change, we will change the bank.

In fact, he did.

But even though it did, in the development of previous lives, many banks also regarded Paytong as their biggest competitor.

At this time, it hasn't developed so awesome, so keep a low profile.

Moreover, Chen Yu also wants Alipay to cooperate with them, so that the bank can taste the sweetness.

In this way, this also has huge benefits for the promotion of PayPass.

"I'll go, Chen Yu, I knew I wouldn't call you to the banquet."

Seeing Chen Yu smiling and polite with everyone, Liu Yonghao said depressed.

If Alipay’s business is given to a series of other banks, their Minsheng Bank’s business will be less.

However, the other big guys are all human beings. Seeing Liu Yong is so depressed, they said, "Mr. Liu, don’t be so stingy. Besides, Mr. Chen is also a shareholder of your Minsheng Bank. Do you think Mr. Chen will treat him badly. Is your Minsheng Bank?"

"That is, we only need you to divide a little business."

"Come on, Mr. Liu, cheers, I am really happy to see Mr. Chen today."

"Cut, you guys."

Liu Yong gave a wry smile.

However, he also knew.

This is a matter of time.

Huanyu Technology will become more and more massive in the future, and it is impossible to choose only their Minsheng Bank.

At the same time, from the perspective of fund security, it is impossible for them to put a series of funds in the Minsheng Bank.

Fortunately, Chen Yu is a shareholder of Minsheng Bank. The first consideration for a series of businesses in the future is Minsheng Bank.

Thinking about it this way, Liu Yong felt much better.

...

the other side.

While Chen Yu was attending the banquet, Wu Haijun, the founder of Shenzhou Computer, was always thinking.

He actually didn't want to join Universal Technology at all.

Everyone knows that Huanyu has a big technology platform and great potential in the future.

After all, Shenzhou is just a company that sells computers, and they don't have much technology.

But after all, Shenzhou is his own, and he is the boss in Shenzhou.

Preferring to be a chicken head rather than a phoenix tail is an innate idea of ​​many entrepreneurs.

But Chen Yu's invitation gave Wu Haijun something to look forward to.

Relying on himself, it is difficult for him to achieve much of Shenzhou.

then.

Whether to join or not to join, Wu Haijun is extremely entangled.

"Zhou Yong, Huanyu Technology CEO Chen Yu invited me to join them Huanyu Computer, what do you think?"

"Join them Huanyu Computer, why?"

"Their Huanyu computer lacks a general who can stand alone~www.wuxiaspot.com~ I just fill this gap."

"But what about our Shenzhou?"

"Chen Yu meant to be incorporated into Huanyu Computer, but Shenzhou can continue to maintain an independent brand, so that I can also take care of Shenzhou."

"But isn't our Shenzhou always planning to go public?"

"Listed?"

Not to mention the listing, Wu Haijun almost forgot.

In fact, almost no entrepreneur will forget such a major event as going public.

But what if Shenzhou has already submitted 3 listing applications?

Yes.

As early as a few years ago, Shenzhou initiated a listing application.

However, he was beaten back quickly for the first time.

Wu Haijun was not discouraged and continued to apply for the next year.

As a result, he was beaten back again for the second time.

Wu Haijun continued to apply, but he returned for the third time.

In the fourth year, in 2005, Shenzhou applied again.

For the time being, the upper side has not yet approved, but Wu Haijun already feels a little tired.

In order to go public, they don't know how long it took to raise funds, but they failed again and again.

"Zhou Yong, do you think we can pass the listing this time?"

"Hope is great?"

Zhou Yong said: "The major brokerages revealed to us a few days ago that the top should be able to approve our listing application soon. Moreover, our performance this year is so good that there is a high probability that we will be listed."

"Hope."

Of course, Wu Haijun also hopes to be listed.

But he can't control this kind of thing either.

However, thinking of listing, Wu Haijun's invitation to Chen Yu was slowed down.

In any case, let's look at the first batch and not approve.

A few days later.

There is news over there.

Shenzhou's listing application was rejected for the fourth time.