The re-birth money is rolling in

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Hotels in the hotel.

When Li Dong arrived, Ma Wei was also prepared to go downstairs for lunch.

See Li Dong to come, Ma Yao smiled and got a look at him, and he said: "It's very early, I thought you can come in the afternoon, it seems young.

"Light, have something to say.

These days are busy steering, I have something in the afternoon, you are here.

"No hurries.

Ma Yu smiled, then turned to see a few other people: "Let's take a chat, take advantage of Li's Cannon, and give things a little.

Ma Wei is not a person, and then following several people.

When I heard the words, everyone laughed together.

Li Dong didn't care, just side and said: "What is the matter? How do you have an opponent now, have you found me?"

"It seems that you are really tapped recently.

Ma Wei sighed, shook his head: "You will not really be in a gentle town recently? The government has recently introduced a lot of new policies, almost all involved Internet finance and Internet payment business.

Advantageous news, there is also a disadvantageous message.

From the big concluding, the government is a germination of the new industry, and can be seen from the details, or safety first, risk reduction.

All in all, can be promoted, but stringent control measures are required.

This time I came to you, in fact, I also want to talk to you this.

You are the first person in Internet finance, this concept is also the first time.

Now, you drive to half, sprouts, and we can now be in two difficulties.

The balance treasure is limited, I heard that it is not passive, but active.

Li Dong, you give us a bottom, what do you think? Now everyone is watching the actions of Wankong, Wan Cartong as one of the Pioneer Army. Once the Carton is maintained back, it will have a great impact on the entire industry.

When you come back, you are too fast this time. We just went to the horse, even just prepared to go to the horse, even if Li Dong returned, how did you continue to do it? Central Bank, China Banking Regulatory Commission, including some regulatory agencies, have recently introduced many policies.

Including the problem of payment!

Ma Wei said this, slightly eyebrow: "According to the new policy, in the future, the non-financial payment agency's preparations must set up a specific backup account in commercial banks.

The account of these accounts is not the name of our company, nor is the name of the person, and is not the name of the customer.

But a unified plan!

That is, in the future, these prepares, and we have nothing to do, we cannot intervene, can only supervise government agencies.

Also, even the invoice we have issued, no longer associated with the deposit, but the amount of the service amount invoice.

This is actually a narrowing narrowing our rights and regulatory scope ... "

Li Dongping calmly: "Normal.

"Normal?"

Ma Wei frowed: "You feel normal, I feel abnormal!"

We have got it.

Originally, I got a license, which means that we were accepted by financial institutions.

In fact, we are now non-financial institutions, a non-financial institution's management approach, almost kill our road to the circle.

"What do you want to do?"

Li Dong revealed: "With the coming of mobile Internet age, network payment becomes a normal state.

At this time, it is no longer a previous online shopping market.

In the past, each of our payment agencies, the funds involved, and the sum of 100 billion is

Can you now? Now the light is in the first quarter, the capital inflows and outflows are terrible.

In the first quarter, Wan Cong has flown from various channels and total funds over 400 billion!

This market is still expanding, and the second quarter will only be more, and there will be more and more in the future.

All year round, Wan Carton flows into funds may exceed 2 trillion!

Horses, you said, such a big capital flow, may the Government may not supervise? What we can do now ... "

Ma Wei shook his head: "You are wrong, we can do a lot!"

Some things, you don't fight, then others will not give you, but I don't want you, then you don't give you.

As before, the payment can be taken down, it is what we plan again and again.

If we don't fight, then don't say last year, this year is not coming next year!

This is the difference between efforts and unhafficking, you will be in turn, any policy is supported, then you will be kept in a small circle sooner or later, eventually going to death or no fall.

And this is not what we are willing to see.

We may not be able to reverse the overall situation, you can start to make some actions, let others see, we also hope that this industry can change better, can also achieve perfect supervision, do the most powerful risk management measures!

"You said, what do you want me?"

Li Dong straight theme, he wants to see how Ma Wei said.

Ma Yu smiled: "Take a meal first.

"I am not hungry, just have eaten, you said your purpose, you can't eat it.

Ma Yu turned his head to see him, half-awaited: "Simple, everyone will come with me is actually beneficial to you.

At present, we have initiated intention.

First, as in the past, we will unite again and send out our voice.

Third-party payment institutions should not be included in the non-financial system, especially after paying the license, we are also a regular army, not a wild road!

Since the government is approved, we have issued a regular license, which means they recognize us.

There is no truth and double bid, and the key moment is defined as non-financial institutions.

Internet finance, that is also the financial industry!

Second, apply more photos of some financial industries, including private banks and small loan licenses.

The funds are not reasonable to flow from us, and it is finally cheaper.

The Internet finance industry needs to be improved, single payment, and monetary funds are not enough to support a new industry and industry ... "

"Oh……"

Li Dong was inadequately, and Ma Wei frowed: "Do you have different opinions?"

Li Dong smiled: "No, but I don't participate.

"Why!

Not only Ma Wei, the boss of other payment institutions is also anxious.

Li Dong does not participate, how to play!

Li Dong slammed his mouth, somewhat saying: "I still have a big thing, this is this? These, that is you, not me.

Ok, I am telling the truth, I am now applying for a consumption financial license. Once the application is adopted, all the problems are not a problem.

So, I am still different from everyone.

Why, look at me is not moving now, I think I gave up? "

Li Dongtu smiled, in the financial field, there are several big licenses or must have their hands.

Especially in the new financial field, the license is fundamentally.

First, third-party payment licenses, this is not difficult to get the difficulty.

When the license was issued, there were many companies that got their hands.

Second, Internet funds and sales licenses.

This is also a new policy that appears in front, is also because the balance of these monetary funds appear, the central banks and the Securities and Regulatory Commission have been adjusted.

At the same time, a third license, an internet insurance license.

These licenses, far can get it, Ali can also get it.

And the rest of the license is more difficult.

The private bank license in Ma Wei, the Internet small loan license ... Currently, it has not been released, but only this intention, the government said that the meaning of Ma Wei is obviously the same as before and before, and continues to urge the government to quickly introduce these policy.

Once you have these licenses, you will do more, some current restrictions and illegal places are no longer a problem.

Especially a small loan license, Ma Wei said long time, support SMEs.

How to support? Of course it is a loan!

There is no small loan license, and the loan is illegal, especially if they are between companies.

It can be used, not only the compliance, but also the lever.

That is to say, once a small loan license is got, it is not only your own money, including some memo, they can be used.

Of course, the levers are also limited.

It can really do the high lever, and the limit is small, but it is still a consumption financial license.

Consumption financial license, a consumption, represents a lot of things.

This is the new policy that is born in the economic crisis, the country in order to promote stimulus consumption.

Consumption finance, including car consumption, education consumption, decoration consumption, tourism consumption ... In short, in addition to mortgage, all other consumption loans, as long as you get this license, you can do it, but no longer limit in a field.

Ma Wei he said the small loan license, in fact, the limit is still very large, including the amount of the amount.

Many consumption licenses, including many areas, and consumption financial licenses to get your hand, higher than all license conditions.

Once the application is successful, then, then, Wan Cartong can do a lot of business.

It is no longer the preior illegal violation operation, but it is the same as online banking, which is compliant.

Of course, the application requirements for consumption financial licenses are also high.

Otherwise, Li Dong will not say that he is different from others.

What are the conditions? First, financial institutions act as a sponsor, the total assets of the year were not less than 60 billion, and the non-financial institution revenue was not less than 30 billion.

What is this concept? The concept is that the previous BAT is added together, and the annual collection is less than 30 billion.

How to apply? In particular, Ali has also stripped Alipay. If you don't sponsor Ali, but alone is a sponsor, Alipay has received 30 billion.

Recovery, that is the actual performance of the company, not to say water, this is not the same.

Therefore, today's domestic Internet companies, including Internet payment agencies, without any conditions, and the gap is very big!

Unless they don't sponsors, they can be born in the same problem, shareholders' problems!

And far, there is no such limit.

Wan Cartong can use the remote control as a controller to apply, and the distant holding is the current distant group, revenue and assets exceeding the requirements.

The distance from the distance is the case, the only possibility of some defects lies in the time of Wanda Cartoon is not too long, can't get a perfect financial report.

Of course, these actually have a lot of problem, and there is not much simpler than the hard conditions.

Distance is currently in the application, once the pass, the distance can be officially lended.

And there are these licenses, especially consumption financial licenses, more things that can do.

The general small loan license can support two to three times the lever.

You have a capital of 100 million, and you can lend more than 2600.. It is very large.

Can be consumed finance, because the cycle is not long, the leverage rate is also high, and can generally support five times to ten times the lever.

You have a billion capital, and the foreign loan is 10 billion.

Of course, this requires a lot of risks, but it is still much smaller than a small loan.

Once the far side has got a consumption financial license, Li Dong can do itself as a bank, is a commercial bank, rather than a private bank that is limited.

He said this, the other people are difficult, Ma Wei is more dark, bullying people are!

He has forgot this. Now I think of it, I really don't need to be like them, and I have to fight for those policies, those conditions, people behind them!

No wonder Li Dong did not panic, no wonder Li Dong is too close.

Ma Yu is still thinking, this guy is not forgotten, it is waiting here!

And since Li Dong said, then the hope of getting the hand is very big, or he will not say it now.

Just when I thought about the matter, Li Dong smiled: "I, this time, I will first step, but you don't be discouraged.

I won't use the Internet financial market, and I don't have a big appetite.

In fact, it is not that I can get my hand, and many industrial companies can also.

However, they don't understand this line, they don't dare to do it, don't put their hands.

Nothing, I am waiting for these professionals to grab the rice bowl.

As long as you meet the requirements, you can also apply, when we grab your bank together to let them limit us every day.

In the future, in addition to mortgage can not do, we have no difference between our banks.

And Internet banks, this is in line with the current trend, I believe that this market is still very big, maybe bigger than the market of the entity.

Of course, you can take a good license, but it is not too much ... "

He said that this is said that others are fast.

Start stimulating people!

Do you have other licenses and consumption financial licenses? The range is different!

Ma said this time slowed over, stared at Li Dongdao: "So, from the beginning I flicker?"

Li Dong said: "What is flicker?"

"You should have to set this idea before, and the result is the attitude of the balance."

"The balance treasure does not matter, the two are not integrated, one is the monetary fund, one is a consumption loan, nothing to do, you said to do it.

"you……"

Ma Yu is angry, listening is nothing, can you really don't matter? Ma Wei did not guarantee that once the Cartoon began to do a consumption financial loan, the money of the user would only deposit the balance treasure, and the future consumption, I am afraid it is in the distant mall.

After all, it is still taken from Wanka-loan. Moreover, Li Dong must also have planned and restrictions.

Sure enough, Li Dong smiled: "I thought about it, since the government wants to see us to do supervision and risk management, it must be done!

Therefore, the far-reception may launch our credit rating system in the near future.

I really hope that everyone will join in, after all, a distant family is difficult to collect all the data, we all join, now, now, we can control the business data related to Internet and Internet finance.

In the future, there are consumption in the distant industrial system, have loans, have deposits, we can find a personal credit system.

In this way, it will be better, and the risk management control is too much ... "

As soon as this, the other people are ok, the face is a change.

Once the Lee's credit system is released, plus the consumption financial license is released, and there will be in the distance in distant shopping or consumption, or other, it will be included in the credit system.

Some users, considering that it may require loans in the future, it is about the preferred product.

After all, in Sau Baobao, the money is spent, and there is no big use, and the loans are not loan, and more waste.

Although not everyone needs a loan, it is not that everyone needs a credit card, but it is necessary for this society. There are too many people who need these!

I really want no one needs, and there will be so many banks every year.

Ma Wei took a breath and looked to Li Dongdao: "You said this now, what you want to explain?"

Li Dong's face is innocent: "I don't have you? You are pulling me, I don't have any explanation with you? What's more, this is our plan, I have said many times before I have said many times. , Especially the establishment of the credit system, I have said very early.

Just, before because some reasons, I didn't make timely.

Now I am telling you this, do you actually think that I am challenging you? Horses, you will be careful, when can I change.

Besides, Ali is also on the line, what is big deal.

It is not that the big data industry has not been released, and the data is troublesome.

It is not the industrial chain, and the credit system is not good.

Don't get a consumption financial license, some business can't do it.

It is not the money, it is not big.

What is this? Everyone is stronger, no one is the huge, no one. Horses, confident, I believe you, you can definitely surpass me, I am optimistic!

"!

Ma Wei is a big enough, one step is wrong, step by step.

He just wants to Li Li Dong, let's take a look of Li Dong, let everyone profit, especially Ali.

Ma Yao came to others, in fact, there is also a little bit of a job.

Everyone wants you to stand up, you don't stand up, then you have finrated sins.

Focus on the results, now Li Dong refuses to simply, not because he doesn't do it, he has finished, now I am open to everyone.

What can I say at this time? Rid by Li Dong, Ma Wei, in addition to marrying his own fool, I really came to Li Dongzhi, I really don't say it!