Chapter 1244 Payment Platform and Backing

TT is a coffee shop located in Central, Hong Kong, which is famous for serving the most famous coffee in Hong Kong.

Xiao Qi actually doesn't like coffee, but he likes milk tea, so he ordered a cup of ordinary milk tea.

Well, spending 299 yuan is indeed a high price in Hong Kong.

Looking at the price list written here, the four bodyguards who came in after him felt a little pained when they called for the cheapest drink, wishing that Xiao Qi would discount the money directly, and then they waited at the door.

It's a pity that at the very least, to protect the boss, you have to stick around every step of the way. If this money is wasted, it can only be wasted.

At this time, there were not many people in the coffee shop. The employees looked at Xiao Qi, and then at the several tough bodyguards sitting around him, wondering if they should be careful secretly. Just call the police.

That is to say, Xiao Qi was too delicate and handsome, and too young, so the Hong Kong waiters murmured for a long time, thinking that most of them were wealthy sons and bodyguards from the mainland, so they let go of their worries a little.

After a while, a tall middle-aged man with a slightly bald head hurried into the coffee shop. After seeing Xiao Qi, a bright smile appeared on his face.

After the middle-aged man ordered a cup of coffee, the waiter breathed a sigh of relief. If another person with bodyguards came over, I'm afraid there would be a real fight today. [

"Qi Shao! I'm so sorry! I just had a meeting upstairs, and it was delayed for a while. You have been waiting for a long time!" The middle-aged man said with a smile.

Although he is a bank boss in charge of tens of billions of funds, even though he is in charge of the work and destiny of thousands of people. But in front of Xiao Qi, there was no airs at all.

He didn't dare to put on airs either.

Xiao Qi smiled slightly. "President Yu, I haven't seen you for a few months, but you are getting more and more energetic!"

The middle-aged man also responded with a smile: "Isn't it too rare for you to take care of me? The business of China Merchants Bank has made great progress in the past few months! Even the super big foreign banks know that China Merchants Bank is responsible for Fairy Company. Exchange business!"

The middle-aged man is Yu Minwei, the vice president of China Merchants Bank. In April, he flew directly to Rongcheng, and he forced it from the hands of the four major banks of China Agricultural Industry and Construction. Snatching Xiao Qi's US$40 billion exchange business surprised the entire Huaguo banking industry. It was called "the tiger's mouth grabs food" in history, and it also gained a reputation both at home and abroad.

As a result, Yu Minwei became the hottest person in China Merchants Bank. It is said that when the old president was about to retire in two years, the position was directly handed over to him.

Although China Merchants Bank is affiliated to China Merchants, it still needs to be reviewed and approved by its superiors. But don't forget that China Merchants is also a state-owned enterprise under the State-owned Assets Supervision and Administration Commission, and the relationship between the director of the State-owned Assets Supervision and Administration Commission and Xiao Qi is needless to say. At that time, would anyone dare to stand in the way of Yu Minwei, who had a good relationship with Xiao Qi?

Yu Minwei is a very ambitious person. He is eager to make more achievements than the old president, so he is very adventurous.

The traditional sphere of influence of China Merchants Bank is Guangdong and Hong Kong, and most of the time in the people's Republic of China. Still shuttle between these two places.

Xiao Qi knew an event, that is, in May next year, China Merchants Bank will sign an agreement with Wing Lung Bank, one of the top ten local banks in Hong Kong, to purchase 531% of its shares at an unprecedented high price of 19.3 billion Hong Kong dollars. And in the next six months, it started a compulsory "mandatory" acquisition, and delisted in January 2009. Become a wholly-owned subsidiary of China Merchants Bank.

In terms of time, the two banks will start negotiations now.

In terms of the Hong Kong banking industry, China Merchants Bank is actually being taken advantage of for its own acquisition, because their bid was 29 times the book value of Wing Lung Bank at the end of 2007. The Wu family, which owns 531% of the shares, is simply making a fortune. up.

Afterwards, quite a few family banks were tempted to sell their shares to mainland banks, but then came the global financial crisis, and the expansion of mainland banks came to a sudden stop, so the big guys didn’t sell, it was just cheaper It's just the Wu family.

Xiao Qi actually has no interest in the banking industry. [

Fairy Company itself has a strong cash flow, which is already equivalent to a bank, and there is no need for financing or loans.

However, Xiao Qi has recently started to prepare for the logistics industry and Xiaoyao Mall, so it is inevitable to be a third-party payment platform.

The third-party payment platform, expressed in the most popular language, is a fund custody account.

Usually in online shopping, due to the difficulty in guaranteeing the credit between the buyer and the seller, the website hosting the transaction stipulates that the funds paid by the buyer are temporarily held by a third-party account with public credit, and the funds will not be released until the transaction is confirmed to be OK. It will be transferred from the third-party account to the seller.

Usually, this third-party payment platform with public credit is not a private account but a company account because it is a form of credit guarantee.

The third-party payment platform first appeared in the United States, called pypl, and the appearance in China was called Zifubao. Later, Tenpay and Lakala appeared, but the meaning is the same.

However, in Huaguo, after more and more online shopping, Zifubao’s daily custody of the payment has reached hundreds of billions of skyrocketing figures, and many small third-party payment platforms have also appeared like cows, and a large number of Absorbing cash, it is easy to cause capital risks, which has attracted the attention of Huaguo's banking regulators.

In order to regulate this third-party payment platform, the Huaguo People's Bank of China stipulates that it must issue a third-party payment license. Only companies and institutions with this license can take custody of cash payments, otherwise it is illegal absorption.

Later, Zifubao’s payment for goods reached hundreds of billions or even trillions, which caused Ma Yun to tremble with fear, and felt that it was too wasteful to put so much money in the bank’s capital account for nothing, so he Learn the fund model of pypl and make a Yu Wobao.

Ma Yun made a fund from the funds that users voluntarily deposited into Yuwobao, and used this fund to make various investments, and paid to Yuwobao's customers ten times or even dozens of times the interest of their current deposits in banks, thereby absorbing A large amount of capital was invested, and while the idle funds of the bank were mobilized, it caused a lot of controversy.

There is nothing rare about Zifubao's brilliant scale of trillions.

But more importantly, after Zifubao is bound to the payment bank accounts of many people, it has become a new type of payment method with huge market potential.

To put it simply, if you can’t understand the payment method of Zifubao, you can think of Zifubao as credit cards such as JB, VS, etc. It is actually a new type of credit card, and it is a credit card in the Internet age that conforms to the times.

Needless to say how much money jb and vs make, right?

In the future, it will develop in the form of Zifubao, and the prospect of making money will be at least ten times that of them!

From this you can know how big its cake is!

Since it is an online business, Xiao Qi will naturally not miss this big cake, and he now knows that Zifubao has a fatal weakness, that is, it does not have a banking institution that belongs to it, and can only rely on Large commercial banks to develop.

If you rely on your own bank to do the business of Zifubao, you will not be in danger of being repeatedly supervised and restricted by the state, and you will have more protection so that you will not be severely restricted.

It is precisely because of so many benefits that Xiao Qi decided to acquire a bank of his own!

There are many banks in Huaguo, such as small and medium-sized commercial banks in various cities, such as Capital Bank, Oriental Bank, Rongcheng Bank, etc., are very good.

But the problem is that they are wholly domestic-funded banks, and it is absolutely impossible to allow private holding or even wholly-owned banks.

Therefore, Xiao Qi chose to acquire a bank in Hong Kong.

Anyway, after 2008, Hong Kong-funded banks got the consent of the above and began to continuously develop in the mainland.

Hong Kong-funded banks are not subject to as many constraints as foreign-funded banks, and they can still enjoy a lot of treatment from foreign-funded banks. It is really the best choice! (To be continued. If you like this work, you are welcome to come to the starting point to vote and monthly pass. Your support is my biggest motivation. Mobile phone users, please go to m to read.)

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