Countercurrent 1982

Chapter 2173 Change
"Actually, I only found out about it by accident, because just yesterday morning, we held an internal meeting on the domestic economy this year. President Dai talked about the meeting with you at the meeting and thought that the Internet economy It is likely to become an important field of domestic economic development in the future." Ruiyang said.

"So that's the case." Duan Yun suddenly understood when he heard the words.

In fact, Duan Yun knows that the development of the Internet economy is still an emerging topic in China. Domestic economists mainly draw on the development experience of foreign countries. As early as 1993, relevant national departments had already carried out " "Three Gold Projects" to lay the foundation for the development of e-commerce.

And in 1993, the country also set up the National Economic Informatization Joint Conference and its office, and successively presided over the three gold projects such as the Gold Card, the Golden Gate, and the Golden Tax. Mechanism of credit card.

At the end of last year, the state established the State Council National Informatization Work Leading Group, headed by the Vice Premier and attended by more than 20 ministries and commissions, to lead China's informatization construction in a unified manner.

The meeting that Ruiyang participated in yesterday was actually an internal meeting of the National Informatization Leading Group, which discussed the current domestic informatization construction, especially the impact of domestic informatization on the financial industry.

In addition, Ruiyang did not tell Duan Yun about another point, that is, at the meeting, President Dai mentioned that Duan Yun talked to him about some related content, but President Dai did not express his support for Tianyin Group to establish online payment. Instead, it believes that a national-level online payment system should be established on the basis of the four major state-owned banks first, and private enterprises should not be allowed to go ahead of the state-owned banks.

In fact, this is completely understandable, because the financial industry involves the country's strategic security issues. Although the current domestic Internet penetration rate is very low and the number of users is very small, the future development potential is great. When it comes to the country's economic lifeline In terms of commercial projects, the higher-level leadership will not let them go, and it may involve very huge interests. Therefore, in the face of an influential domestic private enterprise like Tianyin Group wanting to enter the industry, the relevant Department leaders will definitely formulate corresponding countermeasures.

"I think your idea is still very good. From a business point of view, you do have vision and foresight, but there are some things you should consider comprehensively. After all, with the current scale and influence of our Tianyin Group, it must be If we want to make this project big, the impact will not be small, so before doing this kind of thing, the first thing to consider is the interests of the country." Ruiyang Zhengse said.

Even though the relationship between the two is very different, when facing Duan Yun, Ruiyang still can't say something clearly, because he himself is a very principled person, and in Ruiyang's view, Duan Yun is a very smart person , you should know what you mean.

"At present, my e-commerce plan is progressing very smoothly, but in the link of online payment, some bank guarantees are required, but even without bank guarantees, my business plan will still continue." Duan Yun paused, Then he said: "Online payment is still a new project for our domestic financial industry. Considering the different national conditions with foreign countries and some impact on the financial industry, I must negotiate with relevant department leaders. If they don't agree with me, then we won't do it. If the country wants to vigorously develop e-commerce, Tianyin Group will fully cooperate and provide help. All in all, the bottom line of any commercial project I do is that it must not hurt The security and interests of the country, which I know very well.”

Duan Yun knew in his heart that although Tianyin Group has made a lot of contributions to promoting the development of the national economy and the electronic industry over the years, as a private enterprise, many relevant domestic departments still have some "sense" of Tianyin Group. Be wary", after all, in some commercial projects, private enterprises have actually robbed some state-owned enterprises of the "cake".

However, it is very difficult for state-owned enterprises to do business in this industry. On the one hand, it is due to the rigidity of the system. From project risk assessment to application, and then to the approval of the superior, it often takes a long time for the funds to be in place. It will take a few months to half a year soon. If it gets stuck in a certain department, it may take more than a few years. This is entirely possible.

However, if a private enterprise wants to do a certain project or business, it only needs a word from the boss, which is far superior to the state-owned enterprise in terms of efficiency.

In addition, if a state-owned enterprise wants to do business projects such as e-commerce, it needs to be coordinated by multiple companies and departments. For various reasons, this coordination will definitely not be smooth, which will lead to the entire business plan stagnation or even pause.

As for later generations, Jack Ma, the founder of Alibaba, once shouted such a slogan, that is: "If the bank does not change, the bank must be changed."

But no one believed it at the time, thinking that he was just bragging, just promoting Alipay.

Some financial bigwigs even said that Jack Ma is boasting, and banks are not so easy to change. Alipay can be settled with a single order, so less bragging and more work is the truth.

However, after many years, banks have indeed undergone many changes, and Ma Yun advocated the online payment business before, and it has indeed been popularized across the country.

In fact, on the whole, it is the development of the mobile Internet that has promoted the online and digital transformation of the entire financial industry.

Ma Yun and Alipay have actually enjoyed the dividends of the mobile Internet. Strictly speaking, it cannot be said that Ma Yun has changed the bank, but that the times have changed the financial industry, and this change will continue.

Because of this, even if the higher-level financial department is vigilant, Duan Yun is still optimistic about his on-site payment business, because compared with state-owned enterprises, Duan Yun also has many advantages of his own, such as product supply, after-sales outlets, logistics system, and software technology On the one hand, Tianyin Group is regarded as the strongest in the country. If it can't do e-commerce, then there is really no other company in China that can do it in the short term.

"I believe in your character and ability, but there is one thing I want to remind you. With the current size and scale of your company, in the current domestic market, its influence has far exceeded the scope of ordinary companies, and its influence has even reached It affects a province and even the whole country, and it also has a certain impact on the economic level of the whole society." Ruiyang looked directly at Duan Yun, and then said: "It will be difficult for an enterprise of your size to reach a higher level. Even more difficult, it is very difficult to maintain success just by relying on ordinary business strategies. The important thing now is not to make any major mistakes. As for the future development, we can only develop along with the overall development of the country, and do not try to change some The established rules in the country."

(End of this chapter)