Chapter 1226 Want to Live a More Exciting Life

&nsp;&nsp;The afternoon of the 4th. Li Dong first met with Minister Zhang of the Ministry of Industry and Information Technology. The other party told Li Dong that the 3rd license will be officially released at the end of this month. 3 The license was officially issued, and currently only the three major telecom operators have obtained this qualification. A td-scda license with independent property rights will be issued to China Mobile, a cda license will be issued to the newly established China Unicom, and a cda2000 license will be issued to China Telecom. As for these professional things, Li Dong is too lazy to take care of them. He only needs to know that 3 licenses are issued. 3 The issuance of the license signifies the official arrival of the mobile Internet era. As for Li Dong doing this by himself, he never considered it. Leaving aside professional issues, as far as he knows, the amount invested by China Mobile in 3 is an extremely terrifying figure. In order to deploy the td-scda network, China Mobile has invested hundreds of billions and built countless base stations. The result is good. In less than five years, the 4th era has arrived. I dare not say that the hundreds of billions of investment in the early stage were all wasted, but it definitely did not make any money and wasted a lot of resources. Last time, several people from Ma Yun discussed with him whether he should set up his own communication company and try to win the right to operate 3. Li Dong refused without saying a word, because he knew it was not worth it. 3 Li Dong was concerned about the issuance of the license, but because it was operated by the three major operators, he was not worried about failure at all. Li Dong is more concerned about the issuance of third-party payment licenses. This matter is actually not under the control of the Ministry of Industry and Information Technology. The Ministry of Industry and Information Technology only has the right to make suggestions, and the central bank is actually in charge of this business. When Li Dong asked about this, Minister Zhang took a deep look at him, and said after a long while: "Li Dong, recently the central bank, the China Banking Regulatory Commission, the Financial Office... and many departments have held many consultations and discussions. Even some experts in the payment field and Operators are also involved. Everyone has a common view that online payment is indispensable and should be formalized. In other words, it will be a matter of time before the third-party payment industry promulgates laws and regulations, and it will not be too late. But there is one thing , everyone is somewhat controversial. Regarding the reserve fund in the third-party account, how should we deal with it? Now, because of the problem of the settlement cycle, the reserve fund of several of your third-party accounts is increasing. Take Alipay and Wanwan Headed by cartoons, your third-party public escrow account, under normal circumstances, the reserve fund is as high as more than 3 billion. In special periods, such as some huó dòng periods, the reserve fund is as high as tens of billions! According to the definition of the central bank, the network The three-party payment belongs to non-financial institutions! That is to say, you cannot carry out interest settlement. According to this standard, your reserve fund system is a big problem. The interest generated by the trusteeship in the bank belongs to the buyer or the seller , or your third-party platform, this is not allowed. Then how to deal with the interest generated by the money, should it be nationalized? Presumably you will not agree, and there is no such precedent. This is a difficult point. Now, there is no clear statement yet. The second biggest difficulty lies in the balance account you launched. The balance account and your third-party network public account are not universal at present, nor are they reserve funds. They are normal reserve funds. Then What about the interest generated by the money? Some people say that whoever deposits it will get the interest. But if this is the case, it will conflict with your definition of non-financial institutions. Some people from the Banking Regulatory Commission suggested that these third-party accounts , the balance account will be taken over by the central bank and the China Banking Regulatory Commission..." As soon as Minister Zhang finished speaking, Li Dong's face changed, and he gritted his teeth and said, "This peach-picking skill is also amazing! I am willing to supervise and carry out risk management. Controlled, and even willing to accept the investigation team to settle in! If you want to incorporate us, there is no way! The third-party payment system is very important to us. Once it is incorporated, our entire system will appear lòu dòng, which we will never tolerate! Do this with the Banking Regulatory Commission,

Asked about our business opinion? Could it be that they really think that we are just lambs waiting to be slaughtered, and we can kill them as soon as we want? Seeing his anger, Minister Zhang sighed softly, "Don't be so excited, it's just a suggestion at the moment, and most people don't agree." Everyone is not stupid. We all know that this will arouse the rebellious psychology of the company. At the symposium, including some leaders, they all rejected this proposal. However, some people say that this will not work. In the end, you payment platforms may eventually get involved in the financial industry. For example, cooperate with monetary funds to issue interest. What do you think? Li Dong does not change his face, and there is never a shortage of fools in the country. It is not a lie to say that the first-class elites are in the political circle. These reserve funds and reserve funds will eventually be resolved. And there seems to be not many ways to solve them. Either the interest will be nationalized, or it will be returned to the people. The people’s money will be nationalized for no reason. , This is not in line with the wishes of the government. Even if it wants to, the government does not want to implement the facts and make any plans on it. The best way is to get it from the people and use it for the people. But once this happens, the third party The payment platform has invaded the territory of the financial industry, which is actually a deadlock. Some people suggest that after the nationalization, the interest payment will be made, which is equivalent to the banking industry's distribution of points on the Internet. But in this way, it is easy to cause the company to rebound. Therefore, The current situation is a bit complicated. In fact, it would be better if Li Dong did not launch a balance account. Before, everyone only focused on the issue of the reserve fund of the public account, and did not involve the issue of the reserve fund. Now, everyone is thinking about more things This is actually not within the expected range of Li Dong, he is not a god, how can he think so much. The account was launched at the beginning, on the one hand, for the convenience of the public, and on the other hand, to prepare for the future, and by the way, to seize the mobile phone payment The market. It turned out to be good, but now I have trapped myself. Seeing that Li Dong didn't speak, Minister Zhang sighed again, and said with a little helplessness: "You guys, the entrepreneurs of this generation are really different from before. You have the courage to break all traditions and the determination to be the first.

But you have to think carefully, the final result may not be what you want. On the day of the Internet conference, Ma Yun, in the same way as you, threatened to change the bank. It was fine to listen to it as a joke, but you turned around and launched Wanka mobile payment service, balance balance service... I heard from the central bank that when the research team was far away, you even planned to launch the QR code payment service ! Li Dong, I wholeheartedly support this move to break the lead. Isn't the country getting better and better only when it is changing? However, you can't blame everyone for worrying about some things. The stability of the financial market has a lot to do with it. Before there is a practical solution, you are the first to break the traditional rules, which is likely to cause a series of problems. You walked too fast, so fast that everyone couldn't keep up, and everyone didn't realize it. Under such circumstances, how dare others agree casually? Li Dong, the old man said today that if you want to get more support, you should stop and let go of some things. When the road ahead is stable and complete, it won't be too late to talk about other things, what do you think? " Li Dong said in a deep voice: "Minister, I understand everyone's concerns. I also know that this may have some uncertain effects. But could it be that because of worries, he gave up eating because of choking, and didn't even eat? I understand that stability is the most important thing, but I agree to try it first and then promote it. Isn't that okay? I also agree that various departments will be stationed in Vancard for supervision. Once there is a problem, it can be stopped at any time. Even, I dare to use the distance as a guarantee! If there are risks and losses, I will compensate for the losses! At least, we haven't expanded to a scale of 100 billion at present. Is it so difficult to carry out pilot promotion? It's not that we are afraid that we will seize the traditional territory of the financial industry! But everyone is changing, if you stay the same, you will die. Do we have to wait for them to change before we change? The existence of enterprises is not to check for gaps and make up for omissions. On the contrary, enterprises should act as pioneers. We have the country and the government as the backing! Once there is a change, the government will check for us and make up for it. This is the market, business, and finance! I'm not targeting anyone by saying this, but for some people and industries, traditional thinking is too heavy. Society is changing. Now that China is in line with the world, we must accept this change and continue to adhere to the idea that the inherent territory cannot be changed. How is it different from closing the country to the outside world! "" Li Dong! "Minister Zhang scolded lightly, waved his hands slightly and said, "Some words are too absolute. Don't be so aggressive, and don't rush to get angry. Things have to be solved step by step. Getting angry can't solve the problem. Li Dong took a sip of tea, his face returned to normal, nodded and said, "I understand, but Minister, I'm really not reconciled!" "Minister Zhang sighed: "Put away these unwillingness, I will continue to fight for you. Not only me, but many people are fighting for it. But everything takes time. The reason why I tell you this is just to hope that you can slow down your pace temporarily. You don't know, because you moved too fast, we just reached a compromise and reached an agreement, and then we were dizzy by your new plan. You have to calm down for everyone, what do you think? " Li Dong nodded again, he understood this truth. He knew that some things were right and harmless, but that was because he had experienced it. Others are not gods, and some things have to be accepted little by little. As a result, they just I just accepted the previous changes, and then Li Dong changed again, which made everyone a little at a loss. Now, not only the second generation regard Li Dong as the plague god, but the central bank, financial institutions and some Internet institutions are almost treating Li Dong as the plague god This guy, I don’t know how much work and troubles have been added to them these days. The central bank even suggested to the State Council whether to send a resident team to officially settle in a distant place. In case there is one left on the far side One movement to the right often makes them dizzy. Li Dong chatted with Minister Zhang for a long time, and finally thanked the old man for a while before shaking hands with the old man to say goodbye. President. The vice president was only invited through the introduction of Li Dong, who was the head of the research group of Wankaka, the director of the Financial Stability Bureau, and Li Dong's hometown. In the evening, Li Dong talked with the other party for a long time. The main content is Wankaka's planning, layout, purpose, and a series of promises... After coming out of the hotel, Li Dong smelled of alcohol all over his body. As soon as he got in the car, Li Dong's cell phone rang, and Shen Qian called. After a few words, Shen Qian said softly: "Tired? "" Kind of. "Li Dong, if you really can't do it, just give up Internet finance." As long as online payment is not banned, it will not have a great impact on our layout. Don't you want to let yourself go? Now, in order to promote these things, you continue to put yourself in a cage, not to mention suffering, and taking great risks..." Li Dong pulled his collar, breathed out and said, "I know what you mean. As I said before, under my ability, I have broken some barriers and confinement to make my life easier. Now, I am working hard for this. If you don't break these restrictions, you will live forever under this layer of restrictions, and there is no freedom to speak of. You try to break it, the process is naturally difficult, but when you break through, the confinement will no longer be a confinement.

A few years ago, I came to Beijing to handle errands. For the issuance of 3 billion bonds, I begged my grandpa to tell my grandma to treat me as a grandson. A few years later, when I come back, those people from back then, he is no longer a grandfather. Nowadays, there are not many people who can call me Lord. Grandpa also grew up as a grandson. I don't want to be someone's grandson all the time. That's why I thought about breaking things step by step. At this point, in my career, what I pursue is not only money, but also the refreshing feeling of breaking barriers and confinement. So, if you tell me to give up, it is impossible, unless there is really no way out. " Shen Qian was silent, and said after a while: "You have made your own decision, then let go and do it. but

Here in the capital, you can discuss things with my dad, maybe he can give you some advice. "Li Dong's words that he doesn't want to be someone's grandson all the time touched Shen Qian a little. In this big environment, it is so difficult for a businessman to do this. Li Dong's retail ecosystem and the Internet system, currently Come, it's all to prepare for these words. Shen Qian knows the difficulties, but she can only help Li Dong tí gòng. Now, among the people she knows, she is the only one who can give Li Dong some help and advice. I'm afraid there is only Du Anmin. Li Dong smiled and said: "Okay, I was thinking of visiting before. It's too late today, I'll go tomorrow, go to bed early, don't worry about me. It seems that I am facing difficulties and obstacles now, but in fact I am deliberately seeking some breakthroughs and stimulations, so as not to exhaust all my fighting spirit. If it comes to the point where there is no way out, I won't be stupid and insist on doing it, so I don't have to worry about it. ""Well, you should go to bed early too..." "..." After the two chatted for a few words, Li Dong hung up the dial. Mobile phone, leaned on the seat and took a nap.