RINAPE :: Volume #3

#233: Beginning Four Big Bank contacts

After Xu Jiaming invitation four branch bank president, Li Mu said own demand, built a online payment platform, was 3321 next step went out of Yanjing to prepare. ∑, 许嘉铭邀请的四个分行行长到了之后,李牧才说出自己的需求,搭建一个网络支付平台,为3321的下一步走出燕京做准备。∑, The online banking was in the mid and late 1990s already the concept that started to develop internally, time that at that time the major lines completed the first online account transfer, the TV Station news has also reported specially, means that the domestic banking kept up with the tidal current of the world, to enter into the internet time. 网络银行是早在上世纪九十年代中后期就已经开始在国内开展起来的概念,当时各大行完成第一笔网上转账的时候,电视台新闻还专门报道过,意味着国内的银行服务跟上了世界的潮流、迈入了互联网时代。 However these years, online banking's domestic development almost can with bogging down to describe, with and dares to transfer accounts with the network besides few people, most people are very strange to the online banking. 但是紧接着的这几年,网络银行在国内的发展几乎可以用停滞不前来形容,除了极少数的人会用并敢于用网络转账之外,大部分的人对网络银行还很陌生。 Li Mu must for 3321 make the payment platform, four bank president somewhat are also surprised, agricultural bank District branch bank president Zhai Yuan asked Li Mu: „3321 make online payment, in the future can have the technical point problem? For example the user paid money, but your system have not prompted and so on, if this causes the dispute, can affect the complaint ratio of bank?” 李牧要为3321做支付平台,四个行长也都有些惊奇,农行区分行的行长翟元问李牧:“3321做网络支付,将来会不会出现技术层面的问题？比如用户付款了,但你们的系统没有提示之类的,这要是引起纠纷的话,会不会影响到银行的投诉率？” Li Mu said with a laugh said: „I need to clear Online payment business in branch, but to user, which bank's customer regardless of they are the Four Big Bank, so long as he uses the Alipay account transfer, that in the information that they see, is the money of bank, changed to Alipay, therefore, they think that this sum of money is to give in Alipay, so long as the bank reminded the user to buckle the fee/spent explicitly, if the feedback of Alipay had the problem, the user will definitely contact us.” 李牧笑着说道:“我需要在诸位的分行开通网络支付商户,但是对用户来说,无论他们是四大行哪一个银行的客户,只要他使用支付宝转账,那么在他们看到的信息,就是他们把银行的钱,转到了支付宝里,所以,他们会以为这笔钱是给到支付宝手里的,只要银行明确提醒用户已扣费,支付宝的反馈如果出现问题,用户肯定会跟我们联系。” Zhai Yuan nods, asked Li Mu: „That fund? The users in the network bank in our bank, pay through Alipay to 3321 expenses, how finally to precipitate?” 翟元点了点头,问李牧:“那资金呢？用户在我们银行的网上银行,通过支付宝支付给3321的费用,最终是怎么沉淀呢？” Li Mu said with a smile: „All funds, precipitate in Alipay in account that in branch opens, this sum of money we will entrust to trust, and is subject to the Central Bank inspector general.” 李牧笑道:“所有的资金,沉淀于支付宝在各位分行开设的账户里,这笔钱我们会委托给诸位托管,并且接受央行监督。” ICBC (Industrial and Commercial Bank of China) bank president reckless Qiyun asked Li Mu: „I do not know that my understanding mistake, is the Alipay preparation clears an account also to entrust us to be entrusted in our four banks . Moreover, the user uses the Four Big Bank online banking to Alipay transfers accounts the time. Changes over to Alipay in account that directly, in this/should bank opens?” 工行行长胡启云问李牧:“我不知道我的理解有没有错,是不是支付宝准备在我们四家银行都开通一个账户并且委托我们托管,另外,用户使用四大行的网络银行向支付宝转账的时候。是不是就直接转入支付宝在该行开设的账户里？” Li Mu said with a laugh said: „reckless bank president you understand right, if I opened the account in your branch, then the whole country, all 3321 users will pay money through Industrial and Commercial Bank Network Bank in the future time. Money will converge Alipay in account that in your branch opens.” 李牧笑着说道:“胡行长您理解的没错,如果我在您的分行开设了账户,那么将来全国各地,所有3321的用户通过工商银行网上银行付款的时候。钱都会汇入支付宝在您分行开设的账户里。” Saying, Li Mu supplements one: „3321 present running water per week have several million, in the future will develop the words of other cities, every week the running water several million have the possibility, when the time comes each sum of money precipitation in bank account number some time. When the time comes we also when 3321 national promotions, list as the cooperation support unit Four Big Bank.” 说着,李牧又补充一句:“3321眼下每周的流水都有几百万,往后拓展到其他城市的话,每周流水几千万都有可能,到时候每一笔钱都会在银行账号里沉淀一段时间。到时候我们还会在3321全国推广的时候,把四大行列为合作支撑单位。” A Li Mu saying every week had possibility several million running water to precipitate in Alipay, four branch bank president somewhat were pleasantly surprised, the bank embraced Chu's duty although not to need them to go to carry out personally, but also calculates after all in their work achievements, every week fund ten million/countless precipitated, to any branch was not the minor matter, let alone, Li Mu must sell the favor done at little or no cost here to them, gave the green light to Alipay. Naturally brings only benefit , and no harm whatsoever to them. 李牧一说每周有可能几千万的流水在支付宝里沉淀,四个分行行长都有些惊喜,银行揽储的任务虽然不需要他们去亲自执行,但终归也算在他们的工作业绩之中,每周千万的资金沉淀,对任何一个分行来说都不是小事,更何况,李牧还要在这里卖个顺水人情给他们,给支付宝开绿灯。对他们自然是有百益而无一害。 However Li Mu had not said that the Alipay future development direction, Li Mu by 3321 has communicated with them, making them think that Alipay is a 3321 derivative, so long as Alipay makes a connection with the connection that the bank paid, this payment channel will become most important of future internet domain development, wants to make money from internet, how without own payment channel to play? With others' third-party payment channel, was equivalent to the switch of aorta placed in others' hand, others can choke to death this artery momentarily. 不过李牧也没有说支付宝未来的发展方向,李牧一直是以3321跟他们沟通,让他们以为支付宝就是3321的一个衍生品,但只要支付宝打通了银行支付的接口,这个支付渠道就会成为自己未来互联网领域发展的重中之重,想从互联网赚钱,没有属于自己的支付渠道怎么玩？用别人的第三方支付渠道,就相当于把大动脉的开关放在了别人的手里,别人随时可以把这条动脉掐死。 Tencent will attract billions of people dice game package on WeChat in the future crazily, is opens up the perspective for the WeChat payment. Contends with Alipay well, without WeChat, will move the internet time the Tencent absolutely abnormal risk. 腾讯未来在微信上疯狂吸引数以亿计的国人抢红包,为的就是为微信支付打开局面。好和支付宝抗衡,如果没有微信,移动互联网时代的腾讯绝对会异常危险。 Four bank president do not know that the present internet payment has what development opportunities, they only thought that this is Li Mu must bring to assist a 3321 tool. Actually is not fully correct the Li Mu biggest goal is actually to turn into a platform it. 四个行长也不知道现在的互联网支付到底有什么发展空间,他们只觉得这是李牧要拿来辅助3321的一个工具。却猜不透李牧最大的目标其实是把它变成一个平台。 At present to four bank president, the present issue is extremely simple, definitely is cooperates with Li Mu full power, first did not say that has Xu Jiaming this favor to relate, light/only will be 3321 public welfare effects and 3321 future precipitates in Alipay, will be the cash flow in their bank account. Has kept them from rejecting. 眼下对四个行长来说,眼前的问题极其简单,肯定是全力跟李牧合作,先不说有许嘉铭这层人情关系,光是3321的公益效应、3321未来沉淀在支付宝,也就是他们银行账户里的现金流。就已经让他们无法拒绝了。 Actually, Li Mu has the absolute assurance, even without Xu Jiaming this relations, can still convince the person in bank, but issue most essential is, oneself did not know that bank person, wants to contact to a person of bank president rank is very difficult, but Xu Jiaming is different, his telephone, Four Big Bank District branch bank president will accept this invite to keep an appointment, this is the use of personal connection, sometimes, among the successes or failures of matter is only away from a gauze, pierces it, all on suddenly seeing the light. 其实,李牧有绝对的把握,即便是没有许嘉铭这层关系,也能说服银行的人,但问题最关键的就是,自己并不认识银行内部的人,想接触到一个行长级别的人还是非常困难的,但许嘉铭不一样,他一个电话,四大行的区分行行长就会赏脸赴约,这就是人脉的用处,有的时候,事情的成败之间只隔着一层纱,捅破它,一切就豁然开朗。 Four bank president decide at the scene, next week will give Alipay to clear Online payment business, and with the Alipay pact, has Xu Jiaming this favor, Li Mu believes that the contract the regulation has the leeway that can discuss. 四个行长当场拍板,下周就给支付宝开通网络支付商户,并且跟支付宝签订合作协议,有许嘉铭这个人情在,李牧相信合约的细则有很多可以商讨的余地。 For example, the fund in the cycle that the Alipay account precipitates, without Xu Jiaming, bank may have a compulsory requirement, but there is Xu Jiaming, this believes that can avoid the fetter in bank. 比如,资金在支付宝账户沉淀的周期,如果没有许嘉铭,银行方面可能会有一个硬性要求,但有许嘉铭在,这个相信就可以免除银行方面的束缚。 Also, Alipay in the future dockings with other channels, before Li Mu, some worry, if bank has the discerning person, in the freedom of adaptive platform to Alipay will limit in the Alipay contract in the future, discussed the condition by this again, matter will become somewhat passive. 还有,支付宝未来与其他渠道的对接,李牧之前也有过担心,如果银行方面有明眼人,在支付宝的合约上对支付宝未来适配平台的自由性上加以限制,再以此来谈条件,事情就会变得有些被动。 Li Mu bumped a contract regulation with four bank president orally, the above two points, they pledged in the pet phrase, does not limit, to the Alipay absolute freedom. 李牧口头上跟四个行长碰了一下合约细则,以上的两点,他们均在口头语承诺,不加以限制,给支付宝绝对的自由。 This enough. 这就够了。 Li Mu felt relieved, consulted signing time with four, next Monday to Tuesday, signs two every day, the contract details of four banks are consistent, the guarantee is fair and just. 李牧放下心来,跟四位协商了一个签约时间,下周一到周二,每天签两家,四家银行的合约细节一致,保证公允。 Xu Jiaming said to Li Mu: „Next week I will happen to be all right, your car(riage) did not hit, when the time comes I drove to accompany you to sign together, gave you to be the driver.” 许嘉铭对李牧说:“下周我正好没什么事,你的车不是撞了吗,到时候我开车陪你一起去签约吧,给你当司机。” Li Mu has not spoken, four bank president were somewhat startled actually, didn't expect Xu Jiaming is so unexpectedly polite to Li Mu , helping bring both sides together , must accompany to sign unexpectedly. 李牧还没说话,身边四个行长倒是有些惊了,没想到许嘉铭对李牧竟然如此客气,帮忙牵线搭桥也就罢了,竟然还要陪同签约。 However Li Mu this time really led Xu Jiaming this favor at heart, he said that on the one hand wants to make these four bank president realize he with own „friendship is significant”, on the other hand, is potential strives for the employment term for oneself the wide porosity, he must accompany to sign together, that these bank president will not change the contract detail when the time comes absolutely arbitrarily, how today to chat, how next week can sign!( To be continued.) The mobile phone user please visit http://m.piaotian.net 不过李牧心里这次真领了许嘉铭这个人情,他这么说,一方面是想让这四个行长意识到他跟自己的“交情匪浅”,另一方面,也是潜在的为自己争取合约条款的宽松度,他要一起陪同签约,那到时候这几个行长绝对不会擅自更改合约细节,今天怎么聊的,下周就能怎么签！(未完待续。)手机用户请访问http://m.piaotian.net
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