EG :: Volume #12

#1124: Internet finance ( 7 / 10 )

LNMTL needs user funding to survive Read More

„Brother Ki, this payment software, is I will be in fact confident in the future, can with other capital of Company resistance. You know the financial industry, whether you understand, what is called the Internet finance?” “基兄,事实上,这个支付软件,才是未来我有信心,能够与其他企业抗争的资本。你知道金融业,那你是否明白,什么叫做互联网金融？” The previous generation Ma Yun payment package, can become in the world the biggest third-party payment platform, the scale, the number of users or the cash flow, are indisputable first. But at that time, some payment package of also many competitors. Explanation many people, have realized this inside profit. 前世马运的支付包,能成为世界上最大的第三方支付平台,无论是规模、使用人数还是现金流量,都是无可争议的第一。而那时候,支付包还有许多竞争对手呢。说明很多人,都意识到了这里面的利润。 This, development will be earlier, can other platforms uses in Ebay, Amazon, Alibaba and polar bear internet/network Corporation, and controls North American, China and Eastern European three big markets hopefully, definitely compared with the previous generation fierce. 这一世,发展的会更早,可以在易贝、亚马孙、阿里吧吧和北极熊网络公司等多个平台使用,并且有希望掌控北美、华夏、东欧三大市场,肯定比前世会更加的厉害。 Previous generation time, this payment package of technologies, are Yahoo, the soft line and horse father teamwork developed, then horse father, when CEO, this payment package of divestitures, changes over to Corporation that oneself have controlled stock, finally pit Yahoo they. 前世的时候,这个支付包的技术,本是亚虎、软行与马爸爸团队合作开发出来的,然后马爸爸在当ceo的时候,将这个支付包业务剥离,转入了自己控股的公司,最终坑了亚虎他们。 The Yahoo stock price falls again and again, but the Alibaba stock price can actually steadily surge upward, this payment package, has lasting achievements. Payment package of evaluation values, also several electronic commerce website of far ultra Alibaba, become the Alibaba core values. 亚虎的股价一跌再跌,可阿里吧吧的股价却能不断高涨,这个支付包,功不可没。支付包的评估值,也远超阿里吧吧旗下的几个电子商务网站,成为阿里吧吧的价值核心。 Heard the Feng Yu lecture of Internet finance, the Kirilenko heart said that this had anything to be difficult to understand, was not the finance on internet/network. 听到冯宇讲互联网金融,基里连科心说,这有什么难理解的,不就是网络上的金融嘛。 „Feng, I am certainly clear, look like NASDAQ, is not the electronic transaction on internet/network. The stock is not the financial product, then the stock of NASDAQ, was the Internet finance?” “冯,我当然明白,就像是纳斯达克,不就是网络上的电子交易么。股票不就是金融产品,那么纳斯达克的股票,就是互联网金融了吧？” Feng Yu takes out two cigars, hands over has paid Kirilenko, after the ignition, deeply attracts one, puts out smoke rings: „You, if said that is also. The Internet finance that however I said that also has with your this greatly is very different. The Internet finance, is not the simple Internet and union of traditional financial industry, but is the traditional financial industry, uses the Internet technology, including the information communication technology, realizes fund allowing temporary credit, payment, investment, the information medium the new financial business patterns.” 冯宇取出两支雪茄,递了一支给基里连科,点燃后深吸一口,吐出一个烟圈儿:“你要是这么说,也算是。不过我说的互联网金融,跟你这个还有很大不同。互联网金融,不是简单的互联网与传统金融业的结合,而是传统金融行业,利用互联网技术,包括信息通信技术,实现资金融通、支付、投资、信息中介等新型金融业务模式。” Network trading stock that „you said that is one of the investment, but is not representing. All of our Internet finance, want Internet-based this point is right. The market, service, organization, product or the supervisory system, must on the internet/network platform, not need any realistic transaction counter completely, all operations, are conducted on internet/network, does not need the meeting of person and person, even if you invited a financial manager, exchanged on internet/network then.” “你说的网上交易股票,属于投资的一种,但并不是代表着所有。我们这个互联网金融的所有,都要基于互联网这一点是对的。无论是市场、服务、组织、产品还是监管体系等,全部要在网络的平台上面,不需要任何现实的交易柜台,所有操作,全部在网络上进行,不需要人与人的会面,哪怕你请一个金融经纪人,也是在网络上交流即可。” „Feng, isn't this right? I invited a financial manager, on internet/network exchanged, was that contract signed? Does the wage pay? How do I believe him?” The Kirilenko rebuttal said. “冯,这不对吧？我请一个金融经纪人,网络上交流,那合同怎么签署？薪水怎么支付？我怎么相信他？”基里连科反驳道。 „At this time, needed our third-party payment platform. We provide the credit guarantee, naturally must make the credit evaluate. The contract defers to the model for painting on our internet/network, both sides can through the internet/network video confirmation then. Naturally, initial time, must print to sign the contract, but will not need in the future absolutely.” “这时候,就又需要我们这个第三方支付平台了。我们提供信用担保,当然也要做信用评估。合同就按照我们网络上的范本来,双方可以通过网络视频确认即可。当然,最初的时候,还是要将合同打印出来签字,但未来绝对不需要了。” After internet/network using real individual names carries out, many agreements, do not need to sign, so long as clicks on the determination then. For example downloads a cell phone stocks speculation software, on internet/network a video confirmation then, including uploading ID card, only needs to photograph on the line, does not need any signature way, but is equally legally binding. 当网络实名制推行后,很多协议,真的不需要签字,只要点击确定即可。比如下载一个手机炒股软件,网络上一个视频确认即可,包括上传身份证,也只需要拍照就行,不需要任何签字方式,但一样具有法律效力。 „internet/network video confirmation? That isn't very clear?” Now had internet/network video technology, but is restricted in the relations of speed, the clarity is bad. Some ordinary users, are unable to use this technology. “网络视频确认？那个不是很清晰吧？”现在已经有了网络视频技术,但限于网速的关系,清晰度较差。一些普通的用户,更是无法使用这项技术。 „internet/network is fast is developing, you cannot use today's vision, understands the three years later products. Now the cell phone can photograph, three years ago, have you thought?” Feng Yu took up the Wind & Rain cell phone on table to shake to ask. “网络是在飞快发展的,你不能用今天的眼光,去理解三年后的产品。现在手机都能拍照了,三年前,你想过吗？”冯宇拿起桌上的风雨手机晃了晃问道。 „Also is really, your meaning, three years later can the internet/network video popularize?” “还真是,你的意思,三年后网络视频就能普及了呗？” „In the developed country, definitely does not have the issue, even if in the internet/network general country, can make the majority of Internet users know. Moreover after this thing promotes, the development will be getting more and more rapid, perhaps imagines us is quicker.” “在发达国家,肯定没问题,哪怕是在网络一般的国家,也能让大部分网民都知道。而且这个事物推出之后,发展会越来越快,或许比我们想象中的更快呢。” „The Internet financial service that you said what includes, what product has?” Kirilenko also asked. “那你说的这个互联网金融服务都包括什么,都有什么产品啊？”基里连科又问道。 „Traditional financial industry has, we have. For example the investment finance and deposit, draw money, lending money, the capital flow, the remittance intercourse wait / etc.. Moreover, matter that some traditional business are unable to achieve, our Internet finance can achieve, for example the people finance.” “传统金融行业有的,我们都有。比如投资理财、存款、取款、借贷、资金流通、汇兑往来等等。而且,一些传统行业无法做到的事情,我们互联网金融就能做到,比如群众筹资。” „Do people finance? What meaning, do all people raise funds to a person? Specially what this has, does the traditional financial industry same have?” Kirilenko do not think appearance that I do not know. “群众筹资？什么意思,所有人筹款给一个人？这有什么特殊的,传统金融业一样有吧？”基里连科一副你别以为我不知道的样子。 „Right, the traditional business really has, but I asked you, if the traditional business wanted to finance 1 million, was divided into 1 million, can achieve?” “没错,传统行业确实有,但我问你,传统行业如果想要筹资1000000,分为1000000份,能做到吗？” „What? 1 million must be divided into 1 million, isn't that a person of dollar? How that finances, who for a dollar, will run specially the financial institution.” “什么？1000000还要分成1000000份,那不是一人一块钱？那怎么筹资啊,谁会为了一块钱,专门跑去金融机构啊。” „Right, nobody for a dollar, will run bank to finance to the opposite party specially. But if in online? Only needs you to select several mice, inputs the password of third-party payment platform then, one minute can be completed.” “对啊,没人会为了一块钱,专门跑去银行给对方筹资。但如果是在网上呢？只需要你点动几下鼠标,输入第三方支付平台的密码即可,一分钟就能完成。” This 1 million are divided into 1 million, is not Feng Yu makes up wild stories, but is previous generation Feng Yu has experienced truly the audiences plans. An author, wants to publish books, but does not have the publisher to be willing to publish, for example the content is too sensitive, for example too young audiences wait / etc., but at this time, had the author to mobilize the audiences to plan, fans contributes 100 coins, is a dollar, collects a sum of money, publishes books to this author. 这个1000000分成1000000份,可不是冯宇胡诌的,而是前世冯宇真正经历过的众筹。一个作者,想要出书,但没有出版商愿意出版,比如内容太敏感,比如太小众等等,而这时候,就有作者发动了众筹,一个粉丝捐100点币,也就是一块钱,凑出来一笔钱,给这位作者出书。 Regarding fans, a dollar at is not anything, but many a little makes a mickle, some authors even rely on the audiences to plan, reorganized the game even film and television own novel. 对于粉丝来说,一块钱根本不算什么,但积少成多,有的作者甚至凭借众筹,将自己的小说改编成游戏甚至影视了。 money Pao goes to bank to contribute too troublesome, but if only needs to operate for one minute in internet/network, that was easier. 一块钱跑去银行捐太麻烦,但如果只需要在网络操作一分钟,那就容易许多了。 The young singer wants CD, the new person director to make the movie, even also has the roadside booth to want the opening a shop audiences to plan, many of Failed, but succeeds, similarly. 还有小歌手想要出唱片,新人导演想要拍电影,甚至还有路边摊想要开店众筹的,失败的不少,但成功的,同样很多。 In other words, the Internet finance, can make product that in broken bits traditional financial industry cannot achieve. 也就是说,互联网金融,可以做很多传统金融业做不到的细碎的产品。 These, but also is only the tip of the iceberg, through this third-party payment platform, the place that can make money are too many. Thinks bank who these traditional finances, when did see them to be in arrears? 这些,还只是冰山一角,通过这个第三方支付平台,能够赚钱的地方太多了。想想那些传统金融的银行家们,什么时候见到他们亏钱了？ Said that China world-class Corporation, all large state were bank, on the list completely? But this third-party payment platform, can break off the organization of wrist with these large state bank, even is hopeful to surmount them! 就说华夏的世界级公司,所有的国有大型银行,全部上榜了吧？而这个第三方支付平台,就是能跟这些国有大型银行掰腕子的机构,甚至有望超越它们！ „Brother Ki, the Internet finance imagines many that must facilitate compared with you, for example you must loan, in our payment platforms, your credit record is enough, then our platforms can give him to loan. Even we can also unveil some internet/network finance finance products, pushes to these person who likes investing the finance product, makes a profit by this......” “基兄,互联网金融比你想象中要方便的多,比如你要贷款,在我们这个支付平台上,你的信用记录足够,那么我们这个平台就可以给他贷款。甚至我们还可以推出一些网络金融理财产品,推送给那些喜欢投资理财产品的人,以此来获利……” Along with the narration of Feng Yu, the eye of Kirilenko is getting more and more bright. This Internet finance, but also is really a treasure house, that third-party payment software, must develop immediately! 随着冯宇的叙述,基里连科的眼睛越来越亮。这个互联网金融,还真是一个宝库啊,那个第三方支付软件,必须马上开发！ ......( To be continued.) ……(未完待续。)
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