Back To 1995

   Chapter 264 Ropes

After    came out of the study, Song Yang walked towards the courtyard of the small villa, where a small piece of flowers and plants were originally planted.

   At this moment, there is a grill in the small courtyard. Eric is the chef, and Gallo is also the starter. When Song Yang passed by, the smell of meat was already overflowing.

Seeing Song Yang coming over, Jia En immediately brought a plate of barbecue and put it in front of Song Yang. Looking at Jia En, who borrowed his barbecue, Eric scolded him. The risk management manager of the Houston branch of the Comerica Bank, that's a tall order.

If Chris Jain knew about Eric's idea, he would definitely sigh in secret. Now and then, what was Song Yang's identity at that time, and what is his identity now, let alone him, even if Jain was at the Comerica Bank The backer, the director of Kerimaa, has to be courteous when he meets a person like Bill Gates.

"I think if Eric is going to be a chef, he will definitely be at the Michelin level!" Song Yang tasted a piece of barbecue, let's not say how it tastes, just a rich man worth tens of millions or even hundreds of millions of dollars, and acted as a chef himself. , this gimmick is enough, think about changing to Bill Gates to cook for you, do you still care about the taste?

  Eric laughed a few times, a little smug, "I take this as Song's appreciation for my craftsmanship."

  RICK does have several specialty restaurants, all of which taste quite good. If it weren't for the reputation of the night scene being too loud, it was regarded as an outlier by the mainstream catering industry in America. It is hard to say that RICK's restaurants would really become top restaurants.

After eating half a plate of grilled meat, he felt a little full. Song Yang looked at Chris Jain, "Jian, I'm looking for you today, there are indeed a few things that I need your help from and the Bank of Comerica. !"

  Chris Jain immediately put down the dinner plate in his hand, cheered up, and listened to Song Yang's words.

   "You also met Omidyar just now. He is the founder of the e-commerce company eBay. The American Investment Foundation has just invested in and acquired this company!"

  Song Yang looked at Jia En, "In addition, I'm going to build another new company, the electronic payment platform PayPal!"

  Chris Jain's heart jumped suddenly, he always felt that he was about to hear something bad, so he bit his head, and Jain asked Song Yang, "PayPal?"

Song Yang tapped his finger, "You can think of it as a new payment method for Internet payment. For example, you can operate it on a computer, pay directly with PayPal on ebay, or use it for ICQ users. You can buy NTF avatars directly through PayPal, on the Snow Mountain platform, buy games directly, and more.

   No more calls to the bank, email confirmations, etc. to complete the transaction directly! "

  Jia En felt chills all over his body, and cold sweat broke out on his forehead. There was only one thought in his mind, Song Yang is crazy, he actually wants to bypass the bank and conduct transactions?

  The concept of electronic payment has been around for ten years, but it has not been developed. Insecurity is one aspect. In addition, credit cards are quite popular in America, Europe, Japan and other places, which is also an important reason.

Today's online electronic payment or online shopping requires binding a bank card or credit card, each transaction requires the bank to confirm payment, or email payment, and even the transaction parties need to send checks to each other, all of which cannot bypass the bank, while PayPal obviously needs to To change this, the transaction can be completed directly without bank confirmation, which is why Jain was frightened.

   "Song, you must be joking, do you know what you're talking about?!"

Chris Jain stood up excitedly, attracting the attention of Greg, Eric, Gallo and others, and even Ulf, who was sitting quietly in the far side of the yard, cast his gaze over, seeing the excitement Jia En, Gallo threw down the plate, rolled up his sleeves, and had the tendency to do Jia En at Song Yang's order.

  Song Yang waved his hand, let Gallo and others sit down, and then looked at Jia En who was excited, "I know what I'm doing, and you know who I am!"

   "Song, you are such a lunatic, if Citi, Goldman Sachs, Lehman and those banks knew what we were talking about, they would definitely tear us apart!" Jain growled in a low voice.

In the banking industry, Jia En knows too well what style of his peers are. Don't look at it for all these years, it seems that he has been secluded behind the scenes and has not stirred up any storms, but don't forget who is standing behind Wall Street, no The big banks of the vampires, the investment banks and institutions on Wall Street, can't make waves at all!

   For so many years, it is not so much that Wall Street is doing things around, harvesting the leeks of one region and country after another, it is better to say that the bankers in America are doing things.

But now, Jia En heard that some people want to put their hands into the rice bowls of several big banks to grab food. If you are not afraid, it is absolutely bullshit. Those bankers and consortiums are really annoyed. , what kind of means can be used!

Looking at the hoarse Jia En, Song Yang slowly ate the barbecued meat on the plate, "Jian, if you don't want to cooperate, Comerica Bank is not willing to cooperate with PayPal, we will look for other banks to cooperate, America is not only Several big bank giants!

  Rome was not built in a day, and Morgan, Goldman Sachs, and Citi were not always banking giants. Maybe in a few years, there will be new banking giants! "

Song Yang's words are very plain, but in Chris Jiaenli's ears, there is only one voice. He is unwilling to support the PayPal electronic payment project, then he will be out of the game, and he will no longer be able to follow the project in Song Yang's hands. any cooperation.

  Jian wanted to turn around and leave immediately. He felt that he was taking an adventure by staying. Following Song Yang, maybe one day everyone would die, but his feet were like nails, stuck there, unable to move.

After half a sound, Jia En sat down on the ground, picked up a piece of barbecue, stuffed it into his mouth without grace, chewed it at will, and swallowed it. A plate of meat quickly bottomed out. Song Yang asked Gallo to add another piece of meat to Jia En.

After swallowing the last mouthful of meat, Jia En stared at Song Yang, "I must be crazy to join in, what a broken electronic payment project, the directors of Comerica Bank, know what I did. It will definitely kill me!"

   "They won't, because you'll make Bank of Comerica great and bring enough money to those boards that one day they'll ask you to be on the board of directors of Bank of Comerica."

  Song Yang smiled and said to Jia En, who was sitting on the ground, pulled him up, and poured him a large glass of brandy.

  Chris Jain picked up a large glass of brandy and drank it. Between adventure and Mingzhe, he chose the former.

It is true that following Song Yangqian's electronic payment project is very risky, and it is likely to become an enemy of a number of banking giants, but Jia En is even more reluctant to give up these things he has obtained. To the previous position, Jain is unwilling.

"PayPal doesn't want to be an enemy of banking giants in America or Europe. On the contrary, PayPal is willing to cooperate with major banks. PayPal just wants to be the same payment channel as bank cards and credit cards!" Song Yang reassured Jia En , tell him that PayPal is not crazy.

Hearing this, Jia En didn't believe a word. America's users have been scrapped by major banks for so many years. If PayPal really wants to become a new payment channel, it must be robbing major banks. Credit card users, otherwise where can they grab users, this is the basis for many banks to survive!

Song Yang saw Jia En's unbelievable expression, but Song Yang didn't care. In fact, Song Yang really didn't expect that as soon as PayPal debuted, it would be able to kill several big banks and so on. Impossible, as long as PayPal can survive the encirclement and suppression of banking giants such as Citi.

   When electronic payment can be accepted by the public, the war between PayPal and banks has basically stabilized, and even in order to get users, banks need to cooperate with PayPal.

   And at that time, whether PayPal is providing small loans for Americans or cutting other leeks, as long as there are enough users, it will not be too comfortable to cut leeks...

   Even, I can't say, PayPal can also be anti-customer-oriented, and it is not necessarily the bank's anti-acquisition!

"If it were just me, Comerica Bank would not agree to this project!" Jia En, who had already decided to stand with Song Yang, said directly. Jia En had just been transferred back to the headquarters, and he didn't have much influence at all. The America headquarters, such a major event that determines the fate of the Comerica Bank, is not something that Jain can decide.

  Song Yang glanced at Jia En and understood what he meant. He must have wanted Song Yang to help him get more support from the directors of America.

   "Then let Kerimaiya and other directors of Comerica Bank be involved in this project, and the American Investment Foundation will cooperate with Comerica for more projects!"

No one will do things that are not beneficial, but as long as it is profitable, even if they know there is a pit, the directors of the Comerica Bank will still jump in. As long as they can make money, they will sell one around their necks. The ropes are probably willing. To put it bluntly, for the board of directors of Comerica, what they value most is their own money bag. What does it have to do with Comerica's death? dead and dead...

"This matter can't be rushed, you must first get the support of the director of Kerimaea!" Jain said after thinking for a while. His biggest backer in Comerica is Kerimaa, and he must get Kerimaea's support. Just do it.

   The most important thing is that Kerrimea holds the risk control department of the Comerica Bank in his hand. This department was inconspicuous in the past, but at a critical moment, it can kill people.

  Jian is in charge of the investment department, and Kerimaa is in charge of the risk control department. Together, they are almost equivalent to occupying the two most powerful departments in Comerica.

   "You are in charge of this matter!" Song Yang wiped his hand, then looked at Jia En, you, Jia En, become our collaborator! "

  Chris Jain's heart jumped when he heard this.

   (end of this chapter)