Galactic Tech Empire

Chapter 118 Payments and Banking

Huang Haojie sat in the office and looked at the report sent by Zhuge Sansheng and his Social Research Institute.

Fengdu Group's integration plan has come out.

Rich Chemical Company, Fengdu Agricultural Machinery Company, Shin Kong LED Company, Xiandao Company, Yuanmei Company, Green Earth Company, Fengdu Vertical Farming Company, Fengdu Livestock Company.

Rich Chemical Company, Fengdu Agricultural Machinery Company, and Xinguang Company are responsible for fertilizers and equipment.

Fengdu Vertical Agriculture Company is responsible for cooperating with farmers to build glass greenhouses.

Fresh Road Company is responsible for cold chain logistics and warehousing, and at the same time increases the distribution center.

Green Earth Company is responsible for offline store sales.

Yuanmei Company still carries out food processing step by step.

The headquarters of Fengdu Group is directly responsible for building an intra-city trading network and a big data supercomputing center.

Of course, Fengdu Group's big data supercomputing center needs the cooperation of Galaxy Group.

In addition, the cold chain trucks of Xiandao Company and the small distribution trucks of the distribution center are handled by The Paper Group, and part of the three-wheeled distribution vehicles of the distribution center is handled by Raytheon Group.

It can be seen that the internal complementarity of Galaxy Technology is perfect, and almost all the links are in our own hands.

But Huang Haojie looked at the only link that was not under the control of Yinhe Technology, and couldn't help pinching the root of his nose.

This link is the payment link.

A third-party payment platform is indispensable in online transactions.

The payment platform is actually the "middleware" in the transaction process between the buyer and the seller, or a "technical plug-in"; it is an independent organization that protects the interests of both parties under the supervision of the bank.

At present, the domestic third-party payment products mainly include: Alipay (Ali Company), Chaoxin Payment, Fortune Link (Penguin Company), Guofubao (Gopay), Yeepay (Yeepay), Kuaiqian (99bill), Baifupay (Qiandu Company), NetEase Bao (subsidiary of NetEase), Huanxun Payment, Huifu Tianxia, ​​and easy payment.

Among them, PayPal and Alipay have the largest number of users. The former is mainly popular abroad, and the latter is a product of Ali Company. Of course, Penguin's Chaoxin payment is not far behind.

In addition, UnionPay electronic payment under Dongtang UnionPay is also in the field of third-party payment, and its strength should not be underestimated.

Huang Haojie knew that if the same-city trading network was to develop and grow, it was essential to have its own third-party payment platform.

Of course, it would be even better if you have your own bank.

In fact, the central bank has relaxed the approval standards for private banks in the past two years.

Huang Haojie picked up the phone.

"Hello! How is the head of the room?"

"Thank you, Director Huang, for your concern! What's the matter with Director Huang?"

Fang Dongliang knew that Huang Haojie would go to the Three Treasures Hall for nothing, so he asked directly.

"Haha! A little thing! I just want to ask how to apply for a private bank?"

"Private bank? Huang Dong is also interested in this?" Fang Dongliang asked strangely.

"It's mainly about employee salaries, plus we want to develop online shopping. It would be more convenient to have our own bank."

Fang Dongliang was at a loss for words. Is it necessary to open a bank to pay salaries and develop online shopping?
"If Huang Dong really needs to open a bank, I can talk to the higher-ups."

"Then trouble the team leader, come over to Yinhe Technology for dinner when you have time!" Huang Haojie said with a smile.

"you are welcome!"

After exchanging a few pleasantries, both parties hung up the phone.

……

Huang Haojie turned his chair around and called Zhuge Sansheng over.

"Zhuge, how about we open a bank?"

After hearing Huang Haojie's words, Zhuge Sansheng couldn't help looking at him with a strange expression.

"What's the matter?" Huang Haojie asked in surprise.

"I was planning to talk to the boss about this matter, but the boss thought of it before I thought of it." Zhuge Sanxing spread his hands with a wry smile.

"Then you also feel the need to open a bank!"

Zhuge Sansheng nodded: "Our Yinhe Technology is getting bigger and bigger. Not only is the capital flow huge, but the cash reserves are also quite huge. Having our own bank makes management more convenient."

"I've already communicated with the higher-ups about the bank, and I believe there will be a result soon. In addition, you should study which third-party payment platform in China is suitable for acquisition." Huang Haojie said directly.

"A third-party payment platform?" Zhuge Sansheng held his chin and thought hard.

"Boss! If you really want to acquire Huanxun Payment, it's easier to start with these two."

Huang Haojie also has the same idea. After all, the parent company of Ali’s Alipay and Penguin’s Chaoxin Payment is very powerful, and they will never accept other people’s control of their payment platforms. Even if they really win it, the money will be astronomical. .

"Then Zhuge, do you think Huanxun Payment, Haopay, which of the three is more suitable?"

"Huanxun Pay's reputation is not good, so Hao Pay is more suitable." Zhuge Sansheng thought for a while and said.

Huang Haojie thought for a while. In fact, for Galaxy Technology, the size of the payment platform does not matter, as long as it has a license.

而央行在2011～2015一共发放了260张第三方支付平台的牌照，除了被吊销牌照的10家，剩下的还有250家企业拥有第三方支付平台牌照。

Obviously, except for the first ten companies, the rest are half-dead. As long as you have money, it is very easy to get a license.

As for the top ten payment platforms that start at more than one billion yuan, they are useless to Galaxy Technology.

"Let's do this! Zhuge, research domestic companies that have third-party payment licenses, and find a more suitable one for Lao Li to buy."

Zhuge Sansheng nodded.

……

Sure enough, in the face of the power of money, not everyone is strong.

The social research institute of the three provinces of Zhuge selected three third-party payment platform companies on the verge of bankruptcy.

On behalf of Galaxy Technology, Li Jianhua bought a third-party payment platform company called Pengcheng Scan Code Payment after shopping around.

The successful acquisition cost more than 7000 million Chinese yuan. Of course, Galaxy Technology is responsible for their nearly 5000 million yuan in debt, which is equivalent to a total cost of more than 2000 million Chinese yuan.

According to Huang Haojie's instructions, Li Jianhua changed the industrial and commercial information of the Pengcheng scanning code payment company to Shanmei.

Then change its name to Mars Payment Company, which will be linked to the newly established Mars Financial Group.

"Zhuge! The Mars Group will be handed over to you!" Huang Haojie directly transferred Zhuge Sansheng from the director of the Social Research Institute to the president of the newly established Mars Group.

After all, Zhuge Sansheng worked as an analyst in a securities company before, so it was just right for him to work in the financial industry.

"Thank you very much for the trust of the boss! I will definitely live up to the trust!" Zhuge Sansheng was very excited.

It is his dream to become the president of a group, and the president of a financial group.

What's more, as the Mars Financial Group under Galaxy Technology, there will be absolutely no shortage of business.

The Milky Way's own business alone can bring a lot of business. If Fengdu Group's grand strategic layout is completed, Mars Financial Group will at least have millions of farmer customers and hundreds of thousands of employee customers.

Some other partners will also cooperate with the Mars Group, which is to lean against a big tree to enjoy the shade.

(End of this chapter)