MOTGAR :: Volume #20

#1903: Money laundering difficult problem

LNMTL needs user funding to survive Read More

„ You are not poor, the year-end bonus that every year you win are most, recently just bought the yacht? Yesterday wan heard, more than 100 million US dollars said that bought buys, oneself invested to gain much. “你不穷,每年你拿的年终奖最多,最近刚买了游艇？昨晩就听人说起,一亿多美元说买就买,自己投资赚了不少吧。 Actually I very envy your life, goal and ideal and so on words and expressions were too remote to me, believes me, after obtaining so much money, will be quick you to regret. ” 其实我挺羡慕你的生活,奋斗目标、理想之类的词语离我太遥远了,相信我,得到那么多钱之后,很快你就会后悔了。” Han Xuan said these words time, on the face has the disconsolate expression, had Boss horse that type „to work as the ice in the past extremely, glancing the numerous mountains was small” the imposing manner, Boss horse said oneself did not like money time, the worth 200-300 hundred million US dollars, but his present worth is dozens times of Boss horse. 韩宣说出这句话时候,脸上带着惆怅表情,有当年马老板那种“会当凌绝顶,一览众山小”的气势,马老板说自己不喜欢钱时候,身价才200-300亿美元,而他现在身价是马老板的数十倍。 Charlie executive officer wants to refute, reason that but actually cannot refute, regardless of anything, to the present young boss, realizing too to be truly simple. 老查利执行官很想反驳,但却没有可以反驳的理由,无论什么事情,对现在的小老板来说,实现起来确实都太简单。 Recently colonizes the plan with sparks/Mars that often spoke, is not impossible, by the technology of present human, so long as is willing to spend, can definitely realize recently. 就拿最近经常提起的火星殖民计划来看,并不是不可能,以现在人类的技术,只要舍得花钱,完全可以在近期内实现。 Several people in sparks/Mars life some time and one group of people in the sparks/Mars long-time life are two concepts, now Han Xuan wants to realize the latter evidently, will otherwise not try to put in so much money. 几个人在火星生活一段时间和一群人在火星长久生活是两个概念,现在看样子韩宣是想实现后者,要不然绝不会试图投入那么多钱。 „Perhaps, now my life is very happy, the premise is you do not dismiss me, just did Mr. President make you buy the national debt? Sorry, I heard some contents unknowingly.” “或许吧,现在我的生活很美好,前提是你不辞退我,刚刚总统先生让你买国债？抱歉,我不经意间听到了一些内容。” Charlie just said, Secretary Dawson pants to run, follows the PayPal Corporation head, similarly also pants, he said to Han Xuan: „I looked for the executive officer, what do you want to ask?” 老查利刚说完,道森秘书气喘吁吁跑回来,身后还跟着PayPal公司负责人,同样也是气喘吁吁,他对韩宣说:“我把执行官找来了,你想问什么？” Heard after the word, Han Xuan stares, does not immediately know whether to laugh or cry: „I make you take the recent newspaper, financial allocation contradictory newspaper between Congress and president!” 闻言后韩宣一愣,随即哭笑不得:“我让你拿最近的报纸,有关国会和总统之间财政拨款矛盾的报纸！” „Nespaper( newspaper)” and „PayPal”, Secretary Dawson looked at the Han Xuan shape of the mouth a moment ago, assumed that must look for PayPal, at this moment ashamed enough to wants to look for a tunnel to jump, because this PayPal executive officer was squatting over the latrine pit before, being away from the gate called by Dawson, because was the president comes the electricity, he thought any important matter. “nespaper(报纸)”和“PayPal”,道森秘书刚才看韩宣口型,想当然地以为是要找PayPal,此刻羞愧到想找个地洞跳下去,因为之前这位PayPal执行官正在蹲坑,被道森给隔着门叫过来了,由于是总统来电,他以为有什么重要的事情。 The PayPal incumbent CEO name is Luke, graduates from Massachusetts Institute of Technology, has certainly to the technology understood, works six years of experience in the snowy mountain group headquarters, the working ability is very strong, this year is just promoted as the chief executive officer, this kind of Internet enterprise administrators, do not need too interpersonal social experience, can manage, in the processing development the company the condition. PayPal现任首席执行官名字叫做卢克,毕业于麻省理工学院,对技术有一定了解,还有在雪山集团总部工作六年的经验,工作能力很强,今年刚被提升为首席执行官,这类互联网企业管理人员,不需要有太多人际社交经验,能够把公司管理好、处理发展中遇到的状况就可以。 Mr. Luke does the clear cause and effect, smiles the racket Secretary Dawson the shoulder, two people age differs not in a big way, over 30 years old, the carrying out official duties department level clips on, Secretary Dawson instead his , when CEO also wants to be higher, has met. 卢克先生搞明白前因后果,笑了笑拍拍道森秘书肩膀,两人年纪相差不大,都才三十多岁,从公司级别上来看,道森秘书反而比他这位当CEO的还要高一些,早就见过面。 Does not mind saying: „ Frightens me to jump, but also thinks that the president prepared to limit our PayPal operation style, in 2002 talked with then executive officer, the commissioner of Inland Revenue has attached great importance to using our PayPal money laundering very much the case. 不介意说道:“吓我一跳,还以为总统准备限制我们PayPal的运营模式了,2002年就约谈过当时的执行官,税务局局长很重视利用我们PayPal洗钱的案件。 Has revolved obviously for several years, official staff but who that group of thinking modes cannot make a turn, treats as the illegal organization our PayPal, frequently must explain to them for a long time, can the ravelling operation style. ” 明明已经运转好几年,可那帮思维方式转不过弯的官方工作人员,还是把我们PayPal当作非法组织,经常要跟他们解释好久,才能弄明白运营模式。” Originally must come to meet this morning, after ravelling is Black Dragon/mishap, executive officer Mr. Luke does not plan to leave, are not many with the opportunity that Han Xuan meets, various subsidiary company meeting times, the chairman position is emptying generally, the young shareholders squabble, actually simply does not have the decision-making power, can only express the opinion, hoping Han Xuan can record to know through the conference, then approves of own idea. 本来就要在今天早上过来开会,弄明白是乌龙之后,执行官卢克先生不打算离开,和韩宣见面的机会可不多,各家分公司开会时候,董事长位置一般都空着,小股东们吵来吵去,其实根本没有决策权,只能发表意见,希望韩宣可以通过会议记录得知,进而赞同自己的想法。 „Money laundering” this word successfully attracted the Han Xuan interest, he is developing the initial time also to wash money, has any illegal fund actually not, but „copper coins” will wash „copper coins”, the left hand trades the right hand to realize the asset to shift, opens the mouth to ask: “洗钱”这个词成功吸引了韩宣的兴趣,他在发展初期时候也洗过钱,倒不是有什么非法资金,而是将“白钱”洗成“白钱”,左手换右手实现资产转移,开口问道: „ Does Luke, launder money using PayPal? How do they operate? “卢克,利用PayPal来洗钱？他们是怎么运作的？ Also, how many handling charges now transfers accounts we to charge? For a long time had not understood the news in this aspect, was the same as before? 3.5%? ” 还有,现在转账我们收取多少手续费？好久没有了解这方面的消息,还是跟以前一样？百分之三点五？” Develops for several years, at present Paypal is the world's largest online payment service business, has over 70 million user accounts, distributes in the world more than 140 countries and regions, can support 20 currencies payments and collections. 发展好几年,目前Paypal是全球最大的在线付款服务商,拥有七千万个以上的用户账户,分布于全世界一百四十多个国家和地区,能够支持二十种货币的支付和收款。 As the Internet user number continually increases, PayPal subscriber also in the middle of unceasing increase, is a few already the listed enterprise that gains, but most Internet enterprises were still burning the money for a long time, some abilities attain financing can also continue to insist, cannot attain quick of financing to vanish to disappear. 随着互联网用户数量不断增多,PayPal用户数量也在不断增加当中,是少数已经盈利的上市企业,而绝大多数互联网企业仍然在长期烧钱,有能力拿到融资的还能继续坚持,拿不到融资的很快就消失不见了。 In the 1990s the Internet bubble was shattered the later three years , the bankrupt Internet enterprise were more than Han Xuan imagination, starting from last year obtained the favor of investors again, more and more enterprises and individual, started to invest the Internet industry, the NASDAQ index also starts to rise. 上世纪九十年代互联网泡沫破灭之后的三年时间里,破产的互联网企业比韩宣想象中更多,从去年开始再次获得投资者们的青睐,越来越多的企业和个人,开始投资互联网产业,纳斯达克指数也开始上升。 These industries of trough period investment, have helped Han Xuan gain to many account wealth, initially laughed at Han Xuan these people, started unable to smile, the investor who followed the Han Xuan footsteps, through attracted to gain many wealth lowly smoothly. 低谷时期投资的那些产业,已经帮韩宣赚到不少账面财富,当初笑话韩宣的那些人,开始笑不起来了,许多跟随韩宣脚步的投资者,则通过低吸顺利赚到了不少财富。 Under Hope group these subsidiary company situations are presently good, the decline range in the Internet bubble crisis is lower than the mean value, takes the lead to start to restore...... 当前Hope集团旗下的那些子公司情况还算不错,在互联网泡沫危机中跌幅比平均值低,同时也率先开始恢复…… Lu Ke executive officer has not expected, oneself will face the young boss suddenly „classwork”, but the data about company in the mind, has replied immediately: 卢克执行官没预料到,自己会突然面临小老板的“课堂作业”,但关于公司的数据早就记在脑海里,立马回答说: „ On January 1 of this year started to rise, the PayPal charging criterion was 4.4% of account transfer amount, in addition 0.3 US dollars account transfer expenses, if in other words transferred accounts 100 US dollars, handling charge 4.7 US dollars. “今年一月 1 号开始已经上升了,PayPal的收费标准是转账金额的百分之四点四,外加零点三美元的转账费用,也就是说如果转账一百美元,手续费四点七美元。 If the account transfer quota exceeds 3000 US dollars, then drops to 3.9%, over 10,000 are 3.3%, is over 100,000 US dollars, but can also apply for the preferential benefit, approximately only needs to pay about 2.8%, in addition fixed tariff. 如果转账额度超过三千美元,则下降到百分之三点九,超过一万则是百分之三点三,达到十万美元以上,还可以申请优惠,大约只需要支付百分之二点八左右,外加一笔固定费率。 This some profit banks with part, we with part, the payment side do not need to money, the fund to enter the collection side account in the process, automatic deducted. 这部分利润银行拿一部分,我们拿一部分,付款方不需要给钱,资金进入收款方账户的过程中,自动就扣除掉了。 About the money laundering, is still happening by the present, we are very difficult to control, because the user only needs in our platform registration account number, and with bankcard binding, can carry out the online trade, at present individual foreign exchange converges within the boundaries, the bank cannot verify the material, by explained personally can handle to deposit. 关于洗钱,到现在依然在发生,我们很难控制,因为用户只需要在我们平台注册账号,并且与银行卡绑定,就可以开展网上贸易,目前个人外汇汇入境内,银行不需审核材料,凭借个人说明就可以办理入账。 Settlement of exchange in 50,000 US dollars annual quota, handles by means of the ID card, the relaxed regulatory policy that in individual quota settles exchange, received the non-trade inflow settlement of exchange to provide the convenience for the customer, this stipulation was unrecallable, will otherwise definitely lose major part users. 五万美元年度限额内的结汇,凭身份证办理,个人限额内结汇的宽松管理政策,为客户接到非贸易流入结汇提供了便利条件,这条规定不能取消,不然肯定会流失一大部分用户。 Some users in the name of overseas reward, after collecting the fund, pay the tax, the remaining assets turned legitimately obtained, how we are studying regulate, temporarily had not found the means. ” 有用户以海外酬劳的名义,收取资金后支付税务,剩下的资产就变成了合法所得,我们正在研究如何进行监管,暂时还没找到好办法。” „ Un...... truly is very probably difficult to limit, that side the tax bureau does not need to manage temporarily, if they must investigate, we coordinated to investigate. “嗯……好像确实很难限制,税务局那边暂时不用管,如果他们要调查,我们就配合调查好了。 The small scale money laundering is good, you must pay attention to the big fund trends, if spreads PayPal related to the disturbance of money laundering, affects to be not quite good on the company, as far as possible suspicious account. 只是小规模洗钱还好,你们要注意大笔资金动向,如果传出PayPal涉及洗钱的风波,对公司影响不太好,尽量查查可疑账户。 Is, the present handling charge seemed to be high, that was no different is killing the chicken to get the eggs, developing the user was the key, temporarily first implemented like this, had the issue to inform me, remembers that made an announcement, tells money that consumers paid, actually to go to where. 还有就是,现在的手续费似乎高了点,那无异于是在杀鸡取卵,发展用户是关键,暂时先这样实行吧,有问题就通知我,记得发布一条公告,告诉消费者们自己支付的钱,究竟去了哪里。 Was regarded the black heart company, will provoke some consumers, the transnational account transfer needed the payment procedure fee/spent, however made money with make money differently by us by the bank, perhaps some consumers did not accept. 被当成黑心公司,会惹恼部分消费者们,跨国转账本就需要支付手续费,然而被银行赚钱和被我们赚钱不同,一部分消费者也许接受不了。 Bad account? At present the bad account amount of company how? ” 坏账呢？目前公司的坏账金额怎么样？” Han Xuan continues to sit in belonging to the position of Anthony executive officer, Charlie executive officer drinks the coffee as before, Lu Ke executive officer and Han Xuan meeting number of times were not many, finds the young boss to sit down to say by oneself, somewhat was slightly cautious. 韩宣继续坐在属于安东尼执行官的位置上,老查利执行官依旧喝咖啡,卢克执行官和韩宣见面次数不多,瞧见小老板让自己坐下说,稍稍有些拘谨。 „ Bad account rate/lead is low, but will appear occasionally, is mainly because the account of user was robbed. “坏账率非常低,但偶尔还是会出现,主要是因为用户的账户被盗。 I remember at the beginning of PayPal just started to develop, the bad account amount of odd-numbered month once reached as high as 3 million US dollars, at that time aimed at after full power the transaction material analyzed, built present PayPal security and system of anti-fraud transaction. 我记得PayPal刚开始发展初期,单月的坏帐金额曾经高达三百万美元,当时全力针对交易资料做了分析后,打造了如今的PayPal防盗以及反欺诈交易的系统。 Whether this system is our company key to success, therefore the first CEO decision does not divulge any knowledge and experiences in this aspects as far as possible, has not applied for the patent, because the application patent must make public all materials. 这套系统是我们公司能否成功的关键,所以前CEO决定尽可能不泄漏任何在这各方面的知识以及经验,也从来没有申请专利,因为申请专利就得把所有的资料公诸于世。 Our group has the world's largest network security group, handles the security loophole unceasingly, and propagandizes to the users, prevents to fall into cheats the trap, occasionally will also present this kind of event, recently opened a new sector, can relate the customer service in two hours urgently, terminates the transaction...... ” 我们集团拥有世界上最大的网络安全团体,不断处理安全漏洞,并且向用户们宣传,防止掉进欺诈陷阱,偶尔还会出现此类事件,最近开辟了一项新版块,能够在两小时内紧急地联系客服,终止交易……” Close to the meeting time, gathers in this building the executive number that prepares to meet to be getting more and more, by the aisle is completely display monitors, above was demonstrating the real-time stock situations in various companies, have the green red, from them across the time, brushed past from over ten thousand hundred million US dollars probably. 临近开会时间,聚集到这层楼准备开会的高管数量越来越多,走道旁全部都是一块块显示屏,上面显示着各家公司的实时股票情况,有红有绿,从它们旁边穿过时候,就好像从上万亿美元旁边擦肩而过。 After Han Xuan asked about the PayPal situation, asked Charlie executive officer recently the overall situation of Hope group, the importance of this group was self-evident, last year its affiliated blueberry group, got „the global profit's first” title, Charlie executive officer also because of these companies, can win a big year-end bonus every year. 韩宣询问完PayPal的情况之后,又问了老查利执行官最近Hope集团的整体情况,这家集团的重要性不言而喻,去年它旗下的蓝莓集团,获得了“全球利润第一”称号,老查利执行官也因为这些公司,每年都能拿到一大笔年终奖。 Even works in the same building, many executives do not get together frequently, is loaf while this opportunity frankly and uprightly, chatted to chat mutually. 即使在同一栋楼里工作,许多高管们也不经常聚会,趁此机会光明正大偷懒,互相聊天谈笑。 Meanwhile, Anya that window-shops in Santa Clara, is helping Fatty buy the hot dog to eat, Han Xuan did not make it eat this kind of calorie-rich thing recently, squats wolfs down on the shop owner counter, the fat boss in hot dog shop has the funny small beard, puts out the blueberry cell phone photograph, this short distance contacts the Fatty opportunity is not many. 与此同时,在圣克拉拉镇逛街的安雅,正在帮胖丁买热狗吃,韩宣最近不让它吃这类高热量的东西,蹲在店家柜台上狼吞虎咽,热狗店的胖老板留着搞笑的小胡子,拿出蓝莓手机摄像,这种近距离接触胖丁的机会可不多。 Anya does not like greasy food, the itself/Ben is comes out to take a walk, did not mind that and other Fatty finished eating walks again, the small town old town construction was very old, but is very lively, the entrance surrounded an important goods person, making her slightly somewhat agitated , is very helpless...... 安雅不喜欢油腻的食物,本就是出来逛街,不介意等胖丁吃完再走,小镇老城区建筑很老了,但却十分热闹,门口围拢了一大帮人,让她略微有些烦躁,同时也挺无奈……
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