this man is not calm

Chapter 93 Innovation and illegality are only one step away

After exchanging pleasantries, Liao Wei introduced to Jin Shang the first domestic online banking product to be developed by Industrial Credit Bank in great detail.

A few minutes later, although it didn't show on his face, Jin Shang was very disappointed in his heart.

The so-called first domestic online banking product of Industrial Credit Bank only provides information services such as inquiries, complaints, and appointments, and does not have rich functions such as transactions, wealth management, funds, and personal banking.

Even, the threshold for personal online banking services is not low, and the vast majority of Internet users simply cannot meet the standards.

To put it bluntly, this so-called online bank is for enterprise-level customers to check account balances at any time, prevent internal surveillance from stealing, and track business records at any time.

Transfer transactions, online payments, and outlet linkages are all gone.

Not to mention the opening up of online and offline channels, it is now difficult for branches and sub-branches in different provinces and cities to cooperate with each other for inquiries.

What online banking U-shield, dynamic password, digital password and so on, there is no such concept at all.

"Manager Liao, thank you for your explanation. We really need this online banking product. The service provided by your bank is not bad, but it is still far from what I want."

Although Jin Shang's words were very reserved, Liao Wei could still tell that the so-called online banking did not satisfy the other party.

"Regarding innovation in the financial field, the higher-ups are actually very cautious. Those of us who handle affairs can actually do very little. We can only do things within the scope of our authority. There is nothing more we can do."

"You are too humble! Being able to look like this is already a great help!"

The Internet has just emerged for a short time, and it is unrealistic to expect banks to pay much attention to it. Of course, they come all the time, and if you have any questions, you can still consult them in person.

After saying a few flattering words, Jin Shang raised the question of the feasibility of the third-party payment that he imagined.

After Liao Wei heard about it, he asked a few more details, and after thinking for a while, he answered clearly:
"Theoretically, it is feasible, but if you are not careful, you will touch the red line of illegal crimes..."

"Appreciate further details!"

"There are only a few legal provisions and practical operating rules in this regard. Only when the conditions are met at the same time can it be regarded as illegal fundraising..."

Liao Wei sorted it out, and then said slowly,

"There are four red lines in total: first, to absorb funds without the legal approval of relevant departments or in the form of legal operations; second, to publicize the public through media, promotion meetings, flyers, mobile phone text messages, etc.; third, to promise to use currency within a certain period of time. , in kind, equity, etc. to repay principal and interest or pay returns; finally, to absorb funds from the public and unspecified objects in society.”

In an instant, Jin Shang understood the true meaning of Liao Wei's words.

Of the above four items, except for the third item which is in doubt, all others have stepped on the line.

Now there is no such thing as a third-party payment license at all, and naturally there is no approval from relevant departments, and it is obvious that it has borrowed a legal business form to absorb funds; let alone the second article, there is no dispute that it is a foul, and it will not be disclosed to the public. Publicity, no one knows at all, and no one uses any third-party payment; the fourth article has no room for rebuttal, and there is no way to develop third-party payment business without attracting funds from the public and unspecified objects in society.

Only the third rule, as long as you control your hands, there is room for manipulation.

Third-party payment itself does not promise any form of interest or return to anyone. Therefore, strictly speaking, third-party payment is indeed not illegal fundraising.

However, there is a blind spot here that requires extra attention.All the money is opened in the bank. Even the account of a third-party payment company is also managed by the bank. Since it is a bank account, there will be interest.

Once the amount of liquidity in the account fund pool is large enough, huge interest will be generated.

For example, if the daily transaction turnover is 15 million, with an average deposit of 2000 days, that is an average of [-] billion in daily deposits. If you do nothing every year, you will generate [-] million in interest income. Who will get this income?

buyer?

seller?

Third-party payment company?
bank?

Before the license is issued and there are clear regulations, the third-party payment platform can only watch the accumulated funds and interest, and cannot move it, and it will die if touched.

Whether it is owned by oneself or given to the buyer, seller or bank, it will touch the red line of unjust enrichment, benefit transfer and even illegal fundraising, and you will be jailed.

As far as the current conditions are concerned, doing third-party payment is like holding a hot potato, unable to hold it, unable to shake it off, and no one will pick it up.

After a little weighing, Jin Shang understood that this is not an area that Jinxi Culture can set foot in at all. Before the annual revenue is less than one billion, don't make the idea of ​​third-party payment. Whether it is legal or not is another matter. The bank that got the table opened up a separate business line and payment channel for this small amount of money.

For at least three years, there is no basis for third-party payment at all, and even the bank itself has not opened up the network transfer channel, so don't think about it.

Of course, not thinking about third-party payment does not mean that remote transactions cannot be established.

Online banking has opened up an online inquiry channel, which means Jinxi Culture can inquire about remittance information across the country in real time as long as it opens a collection account at Industrial Credit Bank.

Netizens can directly transfer money to Jinxi Culture in the name of prepayment, and then the company will open a member account for the individual, which is the same as the marketing routine of offline physical stores, recharge [-] to get [-], limited-time discount permissions, etc., are completely legal Compliant, as long as the boss Jin does not abscond with the money, there is no legal risk.

Pay offline, receive online, and let netizens consume online in the form of a membership recharge card. This is the only feasible solution now.

If the thorny issue of third-party payment is not discussed, Liao Wei is still willing to provide Jinshang's company with services such as remote membership card recharge cards.

There is no legal risk, and the business channels have been broadened, catering to the above requirements for innovation and creativity, and the idea of ​​facilitating business operations. Although the business volume may be a little small, the size is also one of the highlights that can be included in the report to brag about.

After discussing for nearly two hours, the two sides reached an agreement on the cooperation framework, and the rest is to let the company's finance staff to connect with the bank clerk.

They chatted happily, and after sharing their contact information, Liao Wei politely declined the banquet of the father and son on the grounds that he still had customers to receive, and then left.

Jin Shang immediately called Li Xuan.

"Hey, it's me!"

"I told you the day before yesterday that the concert notice can be sent out. Go to Liu Yanqing and ask him to post the completed voting statistics section to see how many people are willing to book tickets through the Internet."

"Yes, yes, yes, it's okay, within a week, the remote payment channel will be available. Although it is much more troublesome than I imagined, at least the path is smooth."

"There are also football game packages for the second half of the season, you can also hang them up. Talk to Manager Yan Jinyan, you have seen..."

"Store shopping coupons and time-limited consumption discounts can all be sold online, and third-party advertisements are not accepted for the time being. We don't have the energy to check other people's business qualifications and service quality. Be careful especially when you eat something in your stomach. Now, not the right time yet……"

"Someone wholesales t-shirts through you? Sell them, why don't you sell them? Just like this, the garment factory is still qualified to pick and choose? Let the garment factory and Party A agree on the specific price and delivery method."

"Guarantee responsibility? There is a ghost guarantee responsibility. At present, we are an intermediary, a broker, the kind that doesn't charge money, just contact, no matter whether the business is successful or not, don't make a big deal just because it is my father's business Take care, and leave the redundant matters to professionals to worry about."

"Go and do your work, I'll be back to the company later."

After hanging up the phone, Jin Shi, who saw off Manager Liao Wei, came back, sat opposite Jin Shang, and said with some gratitude:

"I'm afraid you won't be able to recognize the situation clearly, and you're so focused on building a third-party payment platform. That thing is a bank in disguise. When it grows bigger, it's self-contained, and you can play without the bank. Others don't know what you are I am digging the foundation of the bank, but I instinctively reject non-compliant business models."

"Now the size is too small and the strength is insufficient. It is impossible to negotiate with the bank on an equal footing. For the time being, we will be honest for a few years."

Jin Shang replied very self-aware,

"What's the situation with Manager Liao? He seems a little arrogant, and the backstage is tough?"

"It's not particularly hard, but it's very appreciated. Coupled with the wave of rejuvenation of cadres from top to bottom, he... caught up with a good time."

"understood."

Maybe there will be a bright future in the future. It won't hurt to get to know each other in advance.

Nowadays, the industries under the Jin family's father and son are basically family-owned workshops. If they want to grow bigger, they must go through market-oriented transformation, even capital operation, and public stock listing.

In this way, dealing with banks is also very important, and Jinxi Culture will even try to introduce a series of strategic investors in the future.

For example, the operation of instant messaging software is not approved by the telecommunications department. It is enough to be stuck here and there.There are also third-party payment platforms that will get involved sooner or later. Without the endorsement of a major state-owned bank, or enough capital to share the pressure, it is impossible to do it at all.

After finishing talking about business matters, father Jin Shi talked about some personal matters.

"You... your performance on TV last night was too sharp, and you're a bird in the head, so it's hard to be..."

"I know!"

Jin Shang replied clearly,
"If a tree is beautiful in the forest, the wind will destroy it; if it is piled up on the shore, the current will be turbulent; if it is superior to others, the crowd will criticize it. If it is too different, no matter it is good or bad, it will be criticized by others. .”

"Then you still..."

"I need topic discussion heat."

Jin Shang interrupted Jin Shi's worrying exhortation with a smile, and said to himself,
"A little gossip, as long as it doesn't affect my work and life, it doesn't matter. I need to maintain the persona of a young opinion leader, so someone must pay attention, examine and even criticize. Being a little too arrogant or even arrogant is not a bad thing , as long as I can’t be denied legally and morally, it’s actually a good thing for a small number of people to say a few sour words. Even money can’t make everyone like me. I’m an ordinary ‘young talent’. There is a bit of a flaw in being a human being, but it seems a little more real."

Think about those "student masters" and "talented scholars" who were once popular at the official level in the past, they have all become stepping stones for people like Lu Liao, disappearing into the sea of ​​people without any waves.

Today's young people actually don't want to see those so-called winners in life who are so high up, they are too far away and have no sense of reality.

People like Jin Shang who are both excellent in ability and grades, and have a lot of innocuous minor flaws, who talk a bit loudly, are more likely to be accepted.

"You, you always think too much."

"It's not that I'm supercilious, it's that I think about myself and others. If I can't find too many characteristics similar to mine in a person, I will definitely not stand by him. At least, I must convince the young netizens that I It is really through hard work that they have reached the current level, and they must have the illusion that 'if they had gritted their teeth, they might have been able to do it'..."

Do you really think that if you are an individual, you are a time traveler, and if your starting point is much higher than others, it is not considered a talent?
Possessing the wisdom of the previous life is also considered a genius, but it is different from the type with a genetic mutation and a particularly developed brain or body.

"You, you have made up your mind, no one can persuade you."

After Jin Shi sighed slightly, he stopped nagging,
"You haven't gone back to live for many days, will you be outside in the future?"

"Yeah! Live in an apartment with my girlfriend, and I'll move in when the house is finished."

"It's a bit far away!"

Recalling the little things we spent together day and night, Lao Jin was also a little melancholy,
"I'm also busy, and I'm not at home very much. From now on, I won't be very popular at home."

"You can take Aunt Mei to live here. You don't need to sneak around and avoid me to meet."

"This……"

Jin Shi smiled awkwardly,
"Aren't you going to go back?"

"You made a mistake! I never objected to your reunion with Aunt Mei, and I didn't deliberately avoid her, but I never met her. I have a normal attitude and treat people politely. I don't have any special affection for my biological mother." Or unnecessary resentment. How to treat her is not up to me, but to you..."

If Jin Shi decides to bring Mei Xinghong back, Jin Shang will respect her; if the two break up, Jin Shang will treat her as a familiar stranger and have nothing to do with her.

"What I'm most afraid of is your open-mindedness who is too open-minded and doesn't care about blood and family ties. It's morally justifiable to pay attention to nourishing kindness and ignore living kindness. In fact, it's easy to be criticized. Our country , this nation, after all, is still a society of acquaintances linked by blood ties and ties of kinship. People who are 'unrecognized by six relatives' are not easy to be trusted..."

"I know, but don't expect to go back to the past. It's not interesting to be entangled in the past. Maybe it's better to look forward."

(End of this chapter)