Rebirth Starts From 2006

In the afternoon, Qin Yu wooed Liu Xiufen and told her that Rainbow Bank also had its own confidence in developing retail business.

Among them are two bright cards, one is the investment platform of Chuangfuture and Honggu Capital, and the other is the future industrial new city in 20 cities across the country.

These two bright cards gave Liu Xiufen great confidence to start Rainbow Bank's domestic business.

But for Rainbow Bank, it is impossible to only target one domestic market,

At home, you can rely on those two bright cards, but what can you rely on abroad?

The answer is the last hidden card,

It was also when Qin Yu and Huang Shan proposed to set up Rainbow International Bank, but were worried about how to develop overseas business in the future, Boss Chen gave the trump card,

This hidden card is the Internet financial market that no one in the global financial community has ever paid attention to so far!

Internet finance refers to a new financial business model in which traditional financial institutions and Internet companies use Internet technology and information communication technology to realize financial integration, payment, investment and information intermediary services.

There are a large number of experts and scholars in later generations who have carried out research on domestic Internet finance. It is far-fetched to define the period from the emergence of the Internet to the birth of Alipay as the first stage of the development of Internet finance in my country.

This conclusion cannot be said to be wrong. In any case, the traditional financial industry has unconsciously used Internet technology to improve its service level, which can be regarded as a certain degree of integration of finance and the Internet.

It's just that at this stage, financial practitioners simply equate the Internet with tools such as computers, which are used to process data or communicate information.

The most widely used in this aspect is the securities sector, real-time stock information and trading models, which greatly improve the efficiency of stock transactions.

The old way of trading in the securities trading center, holding the phone in one hand while yelling at the trading counter and making gestures, has gradually disappeared from people's sight.

If I want to watch it again in the future, I can only go to stock TV dramas like The Great Times to find some memories.

The past cannot be traced, and I miss the little Jewish.

pull back,

When Alipay appeared for the first time in 2003, domestic financial elites discovered that the Internet can also be used to transfer money? !

English writer Douglas Adams has a famous quote, how did he say it?

Probably,

Any technology that was born when I was born is commonplace. Any technology that was born between the ages of fifteen and thirty-five is a revolutionary product that will change the world. Any technology that was born when I was thirty-five The technologies born after that are all against the laws of nature and will be condemned by God!

Therefore, when the Internet industry is galloping forward, the old diehards in the financial industry all over the country are watching stupidly,

What is Jie?

transfer?

I can do it too!

Then, while expressing disdain, telling everyone that the thing is not safe, the risk is too great to be controlled, while paying attention secretly.

A few more years passed like this,

Well, from the above, the number of people who use the Internet to pay and the amount of funds are increasing year by year. This blockage is unstoppable. What should we do?

Extinction is definitely not extinct, so there is only compilation!

So began to study the issuance of network payment licenses.

Financial regulators think that bringing online payment companies into the scope of supervision can make them quiet,

Hehe, that's because they thought too much!

It turns out that when you don't have a license, you can grow and develop secretly. Once you have an official number, what's the deal?

So starting from 2012, the domestic Internet finance industry has entered the third stage,

Full bloom!

What you have in the real financial industry, we have it, and what you don’t have in the real financial industry, or you can’t do it, we also have it!

So Yu'ebao appeared, this fund, that mutual insurance,

If it weren't for the strict supervision of securities, they would have planned to open another securities sector directly.

The result is,

Let's all get into the water!

So chaos arose frequently,…

Then, in October 2016, the "Notice on the Implementation Plan for the Special Rectification of Internet Financial Risks" was issued above,

Then two years later, the three ministries and commissions jointly issued the \'Administrative Measures for Anti-Money Laundering and Anti-Terrorist Financing of Internet Financial Practitioners\'.

So far, the domestic Internet finance industry has begun to move on the right track.

And it was exactly ten years before this time!

Compared with domestic, foreign financial counterparts have to go a few steps faster,

As early as 1971, the United States, the world's most developed financial industry, established the nasdap system, marking the new business model of Internet finance, which officially entered the actual operation from conception.

Of course, at that time it was just a concept, at most it was used between banks, and there was not much content related to ordinary consumers.

However, in October 1995, three banks in the United States jointly established the world's first online bank, "Safety First Online Bank", which heralds a new stage of rapid development of Internet finance.

Subsequently, more and more financial institutions moved their business online,

From banking to insurance, from personal financial management to corporate financial management, from securities trading to comprehensive and diversified financial services,

It seems that a brand new Internet financial market has been formed.

However, it is only \'seems\'.

At that time, when Chen Yang proposed the concept of Internet finance, Huang Shan also expressed her dissent.

Internet finance is indeed limited to online payment in China, but it has already become a new business method in foreign countries. Many banks have opened their own online banking websites.

Not only that, regardless of what people in China are saying, Tenpay of Goose Factory copied Ahri’s Alipay, and they also said that online payment is Ahri’s world’s first,

Actually not,

As early as 1998, five years before Alipay appeared, the world's first online payment company was born in the United States.

That is, the overlord of the global third-party payment business, paypal,

Therefore, if Rainbow Bank wants to overtake the established foreign banks through the Internet financial sector, it will not be so easy!

Chen Yang is naturally clear about this question, he said on the spot,

The Internet finance that seems to be prosperous in foreign countries is not really Internet finance, but just uses the Internet as a tool to extend the traditional financial business through the network.

At best, it is called the Internet of Finance, not Internet finance.

So,

What is real internet finance?

In this regard, Boss Chen put forward his own opinion with a vision beyond the secular world for more than ten years,

in form,

Instead of a bank opening a website, moving its business online, turning it into many financial websites, and then letting consumers choose by themselves,

Instead, relying on Internet products, such as a piece of software or a platform,

Through this software or platform, attract users and complete one-stop business services,

Savings, transfers, wealth management, insurance, funds,…

Wait, wait, any financial problems of users can be solved here,

And what the bank has to do is to provide strong and comprehensive financial service support for this software or platform!

This Internet platform can sign contracts with many financial institutions, or only one, as long as the business types of this company are rich enough!

What Rainbow Bank has to do now is to support several such platforms and become the only, or at least the largest, financial service provider behind the platforms!

On the other hand, in terms of content,

It is not only savings, transfer, insurance, and wealth management that are called finance.

Is crowdfunding possible?

Can P2P personal credit parallel to credit card work?

There are also small loans for enterprises, third-party payment, digital currency, big data finance,...

Even financial portals!

The characteristic of the Internet is always innovation,

What is not prohibited by law is permitted,

As long as the customer needs it and we can provide it, and there is no express prohibition, this kind of service can be launched!

in this way,

It is called real Internet finance!

Shocking words, shocking,

This is especially true for the two financial elites Huang Shan and Qin Yu,

They can easily understand what Boss Chen said,

So, determined to support, fully support,

Not only that, but they also want to go one step further. Before the giants in the global financial industry can react, they will win all the software companies that have the potential to become major financial platforms.

Domestic ones are Alipay and Tenpay, and overseas ones are PayPal.

Of course, as an emerging smart phone operating system, palm also needs to launch its own payment software.

Huang Shan even thought of a name, so she called it palmpay.

Taking advantage of the growing user base, palmpay will surely become a wonderful flower in the European and American online payment circles!

The more I think about it, the more excited I get.

So at this time, taking advantage of the momentum of winning Tenpay, the two of them suggested that they simply take down Alipay together and complete the dominance of the Jianghu for thousands of years!

Looking at the two red-faced right-hand men, Boss Chen took a sip of tea slowly, then grinned, turned to look at Zou Rong, and asked,

"Honey, when was the first anti-monopoly law in our country promulgated, and when did it start to be implemented?"

Speaking of this, Zou Rong was not sleepy anymore, and immediately blurted out,

"The Anti-Monopoly Law of the People's Republic of China was passed on August 30, 2007 and will come into effect on August 1, 2008."

As he spoke, he counted, "Ah, it happens to be this month!"

Then he shook his head and said with a serious face, "And on the day of the implementation, there were at least three anti-monopoly lawsuits filed across the country."

Chen Yang couldn't help widening his eyes, "Is that so serious?!"

Zou Rong nodded her head vigorously, indicating that she was very serious.

Looking at the young couple who were covered in drama, Qin Yu and Huang Shan felt as if they had been poured a bucket of ice water on a hot day, and they felt cold from head to toe in an instant.

"What are you kidding?"

Qin Yu patted the table in dissatisfaction, and stared at the boss fiercely with big eyes, "The law has been promulgated, do you think which giant has been punished?"

"that is,"

Huang Shan also pouted, "Besides, we don't call it a monopoly. The domestic online payment market is only so big now. Although Alipay and Tenpay occupy the vast majority of the market share, there are still many that only support banks. Did you pay by card?

If you want to fight monopoly, you have to start with Yinlian, they are the real... woo..."

Slapping off the hand covering her mouth, Huang Shan glared at Qin Yu, "What are you doing?"

Qin Yu narrowed his eyes and comforted in a low voice, "That's the boss, don't scold him!"

"All right,"

Huang Shan was also discouraged, and turned to look at Chen Yang, "You also said before that the Internet is the most competitive industry in the domestic market, and so far, in several subdivisions of the industry, there have been obvious Several giants, "

As he spoke, he snapped his fingers, "Souhu from portal, Wangyi from mailbox, Goose Factory from instant messaging, Qiandu from search, Ahri from e-commerce, aren't they all okay?!"

Chen Yang smacked his lips and watched her remain silent.

After being watched for a few seconds, Huang Shan also felt a little numb, "What are you doing?"

Boss Chen curled his lips, turned his head to look at Qin Yu, raised his chin, "You think so too?"

Qin Yu frowned slightly, squinted his eyes and thought for a while, then sighed, "Oh, forget it!"

Huang Shan immediately turned her head and blinked, "Why?"

Qin Yu put his hands on the table, then put his head on it, and said weakly,

"After graduating from university, you went abroad to study for a master's degree, and then worked abroad for so many years. You don't know much about the domestic situation.

In key areas, state-owned enterprises must have the right to speak.

Strictly speaking, we are not a real Internet company, but rather a financial industry.

In areas such as security, energy, and finance, which are related to national security and development, it is impossible for a private enterprise to dominate. "

Huang Shan was stunned for a moment. She just went abroad to study and was not born abroad. Naturally, what Qin Yu said was easy to understand.

But still a little reconciled, "But, this is only limited to Internet finance!"

In the entire financial field, Internet finance can only be regarded as a supplementary module at best, and its weight can be said to be insignificant, and it will not affect the safety of the entire financial industry at all.

What are you talking about? !

Chen Yang waved his hand, picked up the teapot and poured her a cup of tea, and said with a smile,

"We need to look at the problem from the perspective of development. First, the current scale of online finance is not large, but the future prospects should not be underestimated, otherwise we will not use this as a breakthrough point, right?"

Huang Shan thought for a while, then nodded slightly.

"Second,"

Chen Yang put down the teapot, looked at her and said with a smile, "As Mr. Yu said just now, once the scale of this business grows, and the fattest meat is in our bowl, do you think those big firms will just do it like this? look?"

Uh,

This time Huang Shan didn't say anything.

There is an old saying that goes well, don’t worry about scarcity but inequality,

wrong,

It should be the crime of being pregnant~www.readwn.com~ If it's just three melons and two dates, it doesn't matter if the boss looks down on it, but what if it really becomes a big piece of fat, and this piece of fat is only in the rainbow bowl inside,

One can imagine the consequences!

After a brief silence, Huang Shan suddenly raised her head and said stubbornly,

"Then I go abroad, buy Paypal, and then build a palmpay payment software in the palm system, okay?"

If you can't play at home, you can always play abroad!

Chen Yang shrugged, "Of course."

After a pause, he laughed again, "Foreign financial forces are complex, and it's not uncommon for peers to hold each other's shares.

Not to mention that according to your plan, Rainbow Bank will open a large part of its shares to the outside world. Even if it does not, it is impossible for such a large foreign market to accommodate only these two softwares.

Maybe more than ten years later, the world's top ten Internet financial platforms will be ranked, and if we can occupy two or three of them, it will be very good! "