Chapter 903: Shenzhou's Listing Is Blocked

"Credit system?"

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

"Mr. Liu, our Alipay first acted as a third-party guarantee. Buyers were afraid that the seller would not deliver the goods, and the sellers were also afraid that the buyer would not give money when the goods were delivered, so our Alipay was launched. The purpose is to guarantee the buyer and the seller. This way, whether it is the buyer or the seller, they can feel at ease.”

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

"So, it is precisely because Alipay acts as a guarantee. At the beginning of its establishment, he has the characteristics of credit. This makes both buyers and sellers believe in us, so our Alipay has been promoted. And Now, the use of Alipay is getting wider and wider, and we have also established a user credit system through Alipay."

"This system judges a person's credit rating through the user's buying and selling behavior, capital situation, etc.... The higher the credit score, the stronger his ability to perform. The purpose of risk control.”

Chen Yu's explanation made Liu Yonghao give a thumbs up: "Awesome, Mr. Chen, how did you come up with the credit system?"

Although their credit business has not yet started. But if there is Universal Technology's payment gateway as a judgment of contract performance, then there is no doubt that such a business will be feasible. If a consumer is ready to take out a loan, he can take a look at his credit score. If the credit score cannot be reached, then his ability to perform the contract is relatively low, and he can refuse to issue a loan. If the credit rating points are enough, it means that he has a strong ability to repay the loan, and this business has been completed.

Although this does not mean that credit points can completely eliminate bad debts, with such a review, the entire loan business is much safer.

"We were forced out by the market. Some of our commercial companies are not like your banks. You are customers begging for loans, and we are begging customers to buy things and consume. You don't have to worry about business, if we don't Business, then it has to go bankrupt... So, we came up with such an idea."

"Mr. Chen, from what you said, it seems that our bank is full of great profits."

Liu Yong scolded Chen Yu funny.

However, although Chen Yu's words are not so objective, the truth is correct.

Why don't their banks engage in credit loan business?

Is it because they have no money?

Not at all.

They just don't want money to go wrong.

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

For example, they could also have a credit system.

However, because banks are not worried about running out of business, they simply do not think in this direction.

"Mr. Liu, how is it? With my credit system, can I still do this business?"

"Do it, of course do it."

Liu Yonghao nodded with satisfaction this time.

Although such a business may seem small, 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 a thousand yuan, the amount added up is too much.

And with the payment pass of their Universal Technology as a credit guarantee, the bad debt rate is not without, but it can definitely be reduced to a safe level.

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

There is also a problem here, not everyone has a payment account.

Actually it doesn't matter.

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

As long as there is a group of people from Alipay, this business is already extremely large.

In fact, Chen Yu's Alipay now has a considerable number of users.

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

In fact, the Internet cafe management account is also a payment account, and users can also make online shopping through Internet cafes.

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

"Since that's the case, then it's decided as such. I will send someone to connect with Minsheng Bank for the specific operating rules."

"no problem."

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

"How can this be done? You rarely come here. How can I say that I, the local owner, have to do the best of the landlord's friendship."

"It's really busy."

"No matter how busy you are, you can make time. Listen to me this time. By the way, there will be a banquet tonight. They are all big bosses in the financial field. You will have to deal with them in the future, and bring you to know each other."

"If that's the case, then I'll listen to your arrangement, Mr. Liu."

Unable to shirk, Chen Yu could only agree.

...

"Mr. Liu, why did you arrive?"

"Didn't I bring a heavyweight guest here?"

"Heavyweight, what do you mean?"

"Look, you're out of sight."

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

However, many people were surprised by Chen Yu next to Liu Yonghao.

I don't know how 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 it?"

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

If you want to talk about Chen Yu of Huanyu Technology, everyone has heard of it.

But to speak of a real person, few people have really seen it.

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

The name of the person, the shadow of the tree, and Chen Yu's name will make even the bigwigs in the financial world look at him.

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

"This is President Li of Bank of China."

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

"This is President Zhang of ICBC..."

The ones who come are all big bosses, and the lowest ones are at the level of vice-presidents.

Chen Yu shook hands with everyone one by one.

"Mr. Chen, I heard that you opened your Huanyu e-commerce account with Minsheng Bank. Can you open some of your accounts with our Industrial and Commercial Bank of China?"

After flipping through the introduction, at this time, President Zhang of ICBC said.

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

Liu Yonghao glared at President Zhang.

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

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

On the side, President Li of Bank of China also said.

"However, give us some points too."

Mr. Zheng from Bank of Communications also said.

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

"Everyone, these are easy to say. If there is a chance, we can cooperate more."

Chen Yu did not refuse what they said.

In the future, after the Alipay business is big, a Minsheng Bank will definitely not be able to handle it.

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

In addition, Chen Yu had to keep Alipay working closely with major banks at the beginning.

Otherwise, if Alipay failed to grow and was killed by their bank, Chen Yu would cry to death.

You must know that a business like Alipay seems to be a third-party payment tool.

But if he gets bigger, any bank can kill him.

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

In fact, he did.

But although it was done, in the development of the previous life, a group of banks also regarded Alipay as their biggest competitor.

At this time, it has not developed so much, so keep a low profile.

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

In this way, it also has huge benefits for promoting Alipay.

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

Seeing Chen Yu smiling and greeting everyone, Liu Yong said very depressed.

If the business of Alipay is given to a series of other banks, then the business of Minsheng Bank will be less.

However, the other big bosses are all good people. Seeing Liu Yong is very depressed, he said: "Mr. Liu, don't be so stingy. Besides, Mr. Chen is also a shareholder of your Minsheng Bank. Do you think that Mr. Chen will still treat him badly? Are you Minsheng Bank?"

"That's it, we just need you to share a little business."

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

"Cut, you guys."

Liu Yong smiled bitterly.

However, he also knew.

It's a matter of time.

Huanyu Technology will grow in size in the future, and it is impossible to choose only one of them, Minsheng Bank.

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

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

Thinking about it this way, Liu Yong felt much more comfortable.

...

the other side.

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

It's not that he doesn't want to join Huanyu Technology at all.

Everyone knows that Huanyu Technology has a large platform and great potential in the future.

They Shenzhou in the end is just a computer selling, and they do not have too much technology.

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

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

But Chen Yu's invitation made Wu Haijun have some expectations.

On his own, it is difficult for him to make Shenzhou so great.

then.

To join or not to join, Wu Haijun is extremely tangled.

"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. I just fill this gap."

"But what about our Shenzhou?"

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

"But hasn't our Shenzhou been planning to go public?"

"Listed?"

Not to mention the listing, Wu Haijun almost forgot.

In fact, almost no entrepreneur will forget something as important as going public.

But what if Shenzhou has submitted 3 listing applications?

Yes.

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

However, the first time was quickly called back.

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

As a result, he was called back a second time.

Wu Haijun continued to apply, but called back for the third time.

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

For the time being, there is no reply from the top, but Wu Haijun is already feeling a little tired.

In order to go public, they don't know how long they have been raising, but they have failed again and again.

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

"Hopeful?"

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. And our performance this year is so good, there is a high probability that we will be listed."

"Hopefully."

Wu Haijun also hopes to go public.

But he couldn't control this kind of thing.

However, when he thought of going public, Wu Haijun's invitation to Chen Yu was slow.

Anyway, let's see if the first batch is approved or not.

A few days later.

There is news over there.

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