Countercurrent 1982

Chapter 2162 Matchmaking
"Looking for the People's Bank of China as a guarantee?" Hearing this, Wu Zhenglong showed a bit of surprise on his face, so he asked, "Brother Duan, what big commercial project are you planning to engage in?"

As Duan Yun's brother-in-law, Wu Zhenglong is quite familiar with the strength of Tianyin Group. In his opinion, the current Tianyin Group is a giant of China's business. Although it is not as good as some monopoly state-owned enterprises, it is still Its financial strength and scale are far above most other state-owned enterprises.

For such a company, the annual cash flow alone is a very scary figure. Last year, Tianyin Group's total sales reached [-] billion. With such a strong financial strength, there is no need for external capital injection at all, and it should be enough for any kind of business, but Duan Yun suddenly proposed to discuss commercial guarantees with the Bank of China, which made Wu Zhenglong feel that Something is a little out of the ordinary.

"I want to engage in e-commerce, which is to build an online shopping platform, and then through the third-party guarantee of the bank, realize an instant payment function between users and merchants." Duan Yun glanced at Wu Zhenglong, and then said: "This is a A very large business plan, if it can be realized, in the future we will be able to purchase goods directly at home through the Internet, and then the goods will be delivered to the door through logistics, and we can buy what we want without leaving home."

"Can you buy what you want without leaving home?" Hearing Duan Yun's words, Wu Zhenglong showed disbelief.

For people in this era, online shopping is still a very new term. They simply cannot imagine that they can buy what they want without leaving home. This sounds unbelievable, and it can even be said to be a bit of science fiction.

You must know that in the current country, even the real economy is not developed. Only larger cities have shopping malls. People in some remote places sometimes need to ride long distances or Taking the bus into the city, even so, there are still many products that may not be available for purchase. Even in BJ, the capital, you may not be able to buy some local specialties from other provinces. However, Duan Yun actually proposed that you can place an order directly at home, and the products will be delivered directly. Home delivery, this sounds obviously not in line with the current reality.

"My idea is a long-term plan. It may take 2-3 years or even longer to realize it, but I believe that day will definitely come." Duan Yun smiled slightly, and continued: "If you If you can help me meet with the president of the Bank of China, then you can be regarded as contributing to our e-commerce in China, and in the future, maybe all the people in the country will thank you."

"No need to thank you." Wu Zhenglong shook his head with a smile, and then said: "Since Brother Duan has spoken, I must help, but I can only help you contact the president. Is he willing to talk to you? Meet, whether you two can talk about things, I can't do anything about it."

"It's okay, as long as you pass on a message for me, no matter whether the negotiation is successful or not, I will remember you as a favor." Duan Yun said.

"Okay, then I'll deal with it when I get back." Wu Zhenglong replied.

In fact, Wu Zhenglong is quite familiar with several leaders of the People's Bank of China. As the country's central bank, the People's Bank of China is affiliated to the State Council, and the governor is a ministerial leader.

The heads of several departments of BJ have a very good relationship with each other. They often hold meetings together and participate in some activities and banquets. As the Secretary of the Ministry of Electronic Machinery Industry, Wu Zhenglong often accompanies the minister and participates in various occasions. The contract is relatively familiar with these leaders, so he can still help Duan Yun speak to the governor of the central bank.

However, if it were someone else, Wu Zhenglong might not help this at all. On the one hand, it is because Duan Yun is his uncle and has a very good relationship with him. On the other hand, Duan Yun is not an ordinary person. The largest private entrepreneur in the country has a high reputation and reputation in the country and affects the local economy of one side. From this point of view, if he wants to meet senior leaders, it is not an exaggeration. This kind of thing is completely feasible of.

As for Duan Yun, the main reason why he wants to meet with the governor of the central bank is to promote his e-commerce plan, but judging from the current situation, the biggest problem is that the instant payment function cannot be realized online.

Neither consumers nor merchants want to pay first or deliver goods first, because there is a relatively big risk in this. Consumers are afraid that their money will be wasted, and merchants are afraid that after sending out the goods, they will not receive them in the end. This is an unacceptable thing for both parties, and it is precisely because of this that although Duan Yun has opened an e-commerce website and a large number of merchants have settled in, it is inconvenient to pay and consumers are not interested in this. This behavior of online shopping is worrying, so the transaction volume is not high.

However, if there is a guarantee from the bank, the money can be directly transferred from the consumer's account to the merchant's account through online payment, and the bank can provide guarantee during this period to ensure that the money can be transferred quickly after the consumer receives the goods. The merchant account, and when there is a problem with the product, the bank can also refund the money directly to the consumer. This transaction method is acceptable to both consumers and merchants, and it is also a commonly used model for electronic shopping in the future.

In fact, for Duan Yun, he hopes to cooperate with all the state-owned banks in the country. In this way, in addition to the depositors of the central bank, depositors of other banks can also use the online payment function, so as to attract more people to enter his bank. platform consumption.

In fact, Duan Yun’s series of practices were all inspired by Ma Yun, the founder of Alibaba in his previous life. In order to find bank guarantees, Ma Yun went to BJ and the heads of major state-owned banks to negotiate many times. Among them, The negotiations between Ma Yun and the head of UnionPay are more well-known to Chinese people.

The so-called UnionPay is actually a combination of many domestic banks. In the early days of its establishment, there were many comprehensive factors.

In the 20s, my country's bank card industry began to start. At that time, the card-issuing banks, mainly the four major commercial banks, carried out in-bank system construction with provincial and municipal branches, tried to issue cards and deployed acceptance terminals, and initially formed a system based on their respective industry resources. Relying on the bank card system and network layout.

The independent development mode of "circulation in the body" has led to the inconsistency of card and terminal standards between banks, and the phenomenon of "multiple machines in one cabinet" with repeated deployment of acceptance terminals is serious. Cards of this bank cannot be used on other banks' machines. Companion cards cannot be used across regions.

Due to repeated investment in resources, the transaction success rate, acceptance efficiency, error handling capability and business innovation are difficult to meet social needs, and the popularization of bank card applications is slow.

In order to promote the network connection of bank cards, my country launched the "Golden Card Project" in 1993. By 2000, 18 urban bank card exchange centers and a general center had been established, which partially realized the cross-bank universal use in the same city and some cities. It can be used in different places and across banks.

With the promotion of universal networking, the social acceptance of bank cards is getting higher and higher, and the development of the industry needs a stronger concentric force and driving force.With the approval of the State Council, under the direct organization and leadership of the People's Bank of China, all commercial banks have united, and on the basis of merging the National Bank Card Information Exchange Center and 18 urban bank card centers, the Industrial and Commercial Bank of China, the Agricultural Bank of China, China China Bank, China Construction Bank, Bank of Communications and other bank card issuing financial institutions jointly initiated the establishment of China's bank card joint organization - China UnionPay in March 2002, which opened a new chapter in the joint development of my country's bank card industry.

(End of this chapter)