EG :: Volume #12

#1150: Payment package and treasure

Four big bank representatives in great surprise, is the treasure unexpectedly also Feng's Corporation?! 四大银行的代表大惊,呗宝竟然也是冯的公司？！ The treasure is not the Ebay development, but is another Corporation development, but their first super clients, are Ebay. Ebay once wanted to purchase the treasure, but was actually stopped by Kirilenko. 呗宝并不是易贝开发的,而是另外一家公司开发的,不过他们第一个大客户,就是易贝。易贝曾想要收购呗宝,但却被基里连科叫停了。 Because the treasure, was purchased first by Feng Yu. 因为呗宝,已经先被冯宇收购下来。 Initially Ebay program cost 300 million US dollars, purchase treasure, but the shareholder of treasure actually believes that the value of treasure was very high, least value 600 million US dollars. Although at this time, the treasure has not gone on the market, the market value is also unworthy one hundred million US dollars. 当初易贝计划花费300000000美元,收购呗宝,可是呗宝的股东却认为,呗宝的价值很高,最少值600000000美元。虽然此时,呗宝还未上市,市值还不值一个亿美元呢。 The price of both sides differs one time, the nature negotiations has not succeeded possibly. However the Feng Yu actually big hand wields, making Ralph discuss that the price high spot does not matter, more importantly, is certainly quick. 双方的价格相差一倍,自然谈判没可能成功。不过冯宇却大手一挥,让拉尔夫去谈,价格高点无所谓,重要的是,一定要快。 In situation that finally in Feng Yu does not hesitate the price, six hundred million US dollars, the treasure will buy directly. Simultaneously gives valuable two founders, respectively 4% stocks, making them continue to manage the treasure. The original technology team of treasure, was rewarded 2% stocks, making them continue is the treasure makes the technical support. 结果在冯宇不惜代价的情况下,六个亿美元,直接将呗宝买下来。同时给予呗宝两位创始人,各4的股份,让他们继续管理呗宝。呗宝的原技术团队,也被奖励了2的股份,让他们继续为呗宝做技术上的支持。 Had the treasure, why Feng Yu must develop the payment package? 有了呗宝,冯宇为什么还要开发支付包呢？ The reason has two points. The first point, the treasure and Alipay have very big difference, second, after that is Corporation achieves the fact monopoly, definitely will receive aiming at entire profession, for example Microsoft, was almost not forced to analyze, but Yahoo, then had been analyzed the Yahoo US, Yahoo Asia, Yahoo Europe and other Corporation. 原因有两点。第一点,呗宝与支付宝还是有很大的不同,第二点,那就是一家公司做到事实垄断后,必然会受到整个行业的针对,比如微软,不就差点被强制拆分么,而亚虎,则已经被拆分成亚虎米国,亚虎亚洲,亚虎欧洲等公司了。 Was analyzed with it, was inferior one make a competitor, that will not form to monopolize, moreover can be more comprehensive, occupies third-party payment platform market. 与其被拆分,不如自己弄出来一个竞争对手,那就不会形成垄断了,而且能够更加全面的,占据第三方支付平台这个市场。 The previous generation the treasure has with the Ebay development direction greatly is very different, the treasure is equal to the internet/network credit card, but payment package, is equal to the internet/network savings card. 前世呗宝跟易贝的发展方向就有很大不同,呗宝相当于网络信用卡,而支付包,则相当于网络储蓄卡。 At the beginning of the treasure designs, bases on online bank, development slowly is the virtual credit card. But payment package of designs, based on paying guarantee, the guarantee is the core, slowly toward virtual savings card development. 呗宝设计之初,就是基于网上银行,慢慢的发展为虚拟信用卡。而支付包的设计,是以支付担保为基础的,担保才是核心,慢慢的向着虚拟储蓄卡发展。 The treasure has expensive handling charge, this is the main profit source of treasure. But the payment package is mainly tent, the precipitation of fund, bases on the big data value that the expense data data obtains, is more important than that handling charge. But this point, moved these bank benefits. 呗宝有昂贵的手续费,这是呗宝的主要利润来源。而支付包则主要是帐,无论是资金的沉淀,还是基于消费数据数据而得到的大数据价值,都比那手续费更为重要。但这一点,就动了那些银行的利益了。 Therefore previous generation quick of valuable development, but the payment wraps in the overseas development somewhat to be slow, because receives resisting of these bank. Account type of thing, naturally wants bank to know that is best. 所以前世呗宝发展的很快,但支付包在国外发展则有些慢,因为受到那些银行的抵制嘛。帐这种东西,当然要银行自己知道才最好。 The treasure favors protecting the buyer, so long as the buyer has the objection, can refuse to pay money. But the payment package , then favors protecting the seller, Amazon is the b2c pattern, the seller is Corporation, this can effectively avoid the buyer taking the commodity, refused to pay money. 呗宝倾向于保护买家,只要买家有异议,就可以拒绝付款。而支付包则倾向于保护卖家,亚马孙是b2c模式么,卖家就是公司自己啊,这样可以有效的避免买家拿了商品,却拒不付款。 The treasure is applicable to liking runahead consumption westerner, but the payment package the Asian who is applicable to not liking the runahead consumption. Even if before the Feng Yu rebirth, many China people for a lifetime also useless credit card. But in Europe and America and many other countries, to the age has been able to apply for the credit card the time, they will apply quickly. 呗宝更适用于喜欢超前消费的西方人,而支付包则更加适用于不喜欢超前消费的亚洲人。哪怕是在冯宇重生前,很多华夏人一辈子也没用过信用卡。而在欧美等很多国家,到了岁数可以申请信用卡的时候,他们都会赶快申请。 The credit card can stimulate spends, but is easy to form the sub-prime loan crisis, is the so-called sets brushes. Does not need you to have the income, spends from a bank loan, then from the b bank loan, but also a bank credit card, again from the c bank loan, but also b bank credit card. 信用卡可以刺激消费,但容易形成次贷危机,也就是所谓的套刷。不需要你有收入,从a银行贷款消费,然后从b银行贷款,还a银行的信用卡,再从c银行贷款,还b银行的信用卡。 After the loan and repayments accumulate to certain amount, will overdraw the amount also to promote because of the promotion of credit, will seem like is will never use to make money, but good means that can spend richly. 贷款、还款积累到一定金额后,透支金额还会因为信用的提升而提升,看似是一个永远不用赚钱,而就能有钱花的好办法。 But when any link has the problem, then this person will go bankrupt. The bankrupt words, will form a bad account. Person two people do not matter, but works as 1 million, 2 million people of such times, even more person such time, then the crisis came. 但当其中任何一个环节出现问题,那么这个人就会破产了。破产的话,就会形成一个坏账。一个人两个人无所谓,但当1000000,2000000人都这样的时候,甚至更多人这样的时候,那么危机就来了。 Therefore treasure with Alipay, there are greatly is very different, in the future can start the cooperation of certain extent, but will not merge absolutely. 所以说呗宝跟支付宝,还是有很大不同的,未来可以展开一定程度的合作,但绝对不会合并。 Naturally, previous generation time, Alipay restricted develops in China, the settlement currency is rmb, but the treasure has global general settlement currency US dollar this golden key born, therefore Alipay will be starting, continuously quilt valuable suppression stubbornly. 当然,前世的时候,支付宝受限在华夏发展,结算货币为rmb,而呗宝则含着全球通用结算货币美元这个金钥匙出生,所以支付宝才会在开始,一直被呗宝死死的压制住。 But after Alipay enters the US, Alipay has not fought a turnaround. The Alipay biggest advantage, does not need that soaring handling charge, some money, Alipay undertakes part, bank exempts part, gives the customer the biggest preferential benefit. 但随着支付宝进军米国后,支付宝不就打了一个翻身仗么。支付宝最大的好处,就是不需要那么高昂的手续费,这部分钱,支付宝承担一部分,银行免去一部分,给予客户最大的优惠。 Alipay has the tent in any case in the hand, did not fear the opportunity of not having made money. The characteristics that let alone Alipay also seven days of detention settles accounts, making Alipay have more sufficient cash precipitation, is equal to can invest to make money with the money of customer. 反正支付宝有帐在手,不怕没有赚钱的机会。更何况支付宝还有一个七天延迟结算的特点,让支付宝有更充足的现金沉淀,相当于可以拿客户的钱去投资赚钱。 If under the direction of Feng Yu, the investment could not have gained that handling charge, that Alipay also too Failed! 如果在冯宇的指挥下,投资还赚不回来那点手续费,那支付宝也太失败了！ Moreover the valuable and payment package of also a little very big differences, that is the seller of treasure can withdraw cash immediately, but payment package, only if the buyer confirmed that otherwise on and other days, even the buyer can also carry on the payment extension. 而且呗宝和支付包还有一点很大的区别,那就是呗宝的卖家可以即时提现,而支付包,除非买家确认,否则就等七天吧,甚至买家还可以进行付款延期。 Two payment platforms, other differences, naturally, they have the similarity, that concentrates on the online payment service, key business body, is quite similar. 两种支付平台,还有一些其他的不同之处,当然,他们也有相同之处,那就是都专注于在线支付业务,主要业务体,也比较类似。 These details, Feng Yu will certainly not explain that listens to these bank representatives, to put it bluntly, the treasure they can accept with ease, but can also therefore get the good profit. The payment package was but different, this quite in Fen their a large part of profits. 这些细节,冯宇当然不会解释给这些银行代表们听,说白了,呗宝他们能够轻松接受,还能因此获得不错的利润。可是支付包就不同了,这相当于分走了他们很大一部分利润。 „Mr. Feng, we can let rapidness of valuable development, but pays package of this patterns, we think that is not quite appropriate.” Yun Tong the representative said. “冯先生,我们可以让呗宝发展的更快,但是支付包这种模式,我们认为不太合适。”云通的代表说道。 „Is inappropriate? What has not to be inappropriate? Should pay your handling charge, I will not be short your, but our user current capacity such big, to your development, there is an advantage, therefore handling charge, you should give us a discount.” “不合适吗？有什么不合适的？该付给你们的手续费,我不会少你们的,但我们的用户流量如此之大,对你们的发展,也有好处,所以手续费方面,你们应该给我们一个折扣。” „The payment package that Mr. Feng, you said that will reveal the privacy of customer, we believe that this point is very inappropriate.” “冯先生,你说的这个支付包,会泄露客户的隐私,我们认为,这一点很不合适。” Reveals the customer privacy? Talked nonsense! Probably your bank, has not grasped customer privacy. What's wrong, only the Xuzhou officers set on fire, can't the common people light a lamp? 泄露客户隐私？扯淡呢！好像你们银行,就没有掌握客户隐私似的。怎么,只许州官放火,不许百姓点灯？ To put it bluntly, bank wants tent, grasps in own, does not want to be walked by others minute. 说白了,银行还是想要将帐,掌握在自己手里,不想被别人分走。 „If I will allow you to buy stock this payment package in the future?” Un, in the future only will also allow them to buy stock the payment package of US, received exchange for them to this payment package of support. “如果未来我允许你们入股这个支付包呢？”嗯,将来也仅会允许他们入股米国的支付包,换取他们对这个支付包的支持。 „The future matter, was too remote, if the present makes us buy stock, then can consider.” In representative expression of Huaqi was disclosing the astute ray. “未来的事,太遥远了,如果是现在就让我们入股,那么可以考虑一下。”华旗的代表眼神中透露着精明的光芒。 What he said is buys stock, but is not financing, explained that he wants the voting rights, must become this payment wraps one of the Corporation true Boss. 他说的是入股,而不是融资,说明他要投票权,要成为这支付包公司的真正老板之一。 „You think? Then everybody can leave, the US, is not only then your four bank!” “你们都是这么认为的吗？那么各位可以离开了,米国,可不是只有你们四家银行！” ......( To be continued.) ……(未完待续。)
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