On the afternoon of 4 th. 四号下午。 Li Dongxian saw Minister stretch/open of Ministry of Industry. 李东先是见了工信部的张部长。 The opposite party told Li Dong, the 3 g license, must formally issue at the end of this month. 对方告诉李东,3g牌照,这个月底就要正式发布了。 the 3 g license issues officially, at present only then three big telecom operators obtained this qualifications. 3g牌照正式颁发,目前只有三大电信运营商获得了这个资格。 To moving issues to have the td-scdma license of independent property right, issues the wcdma license to the recently created link, issues the cdma2000 license to the telecommunication. 对移动颁发拥有自主产权的td-scdma牌照,对新组建的联通颁发wcdma牌照,对电信发放cdma2000牌照。 Regarding these specialized things, Li Dong is disinclined multibarreled, so long as he knows that the 3 g license issues on the line. 对于这些专业性的东西,李东懒得多管,他只要知道3g牌照颁发就行。 providing of 3 g license, means that the mobile Internet time arrives officially. 3g牌照的发放,意味着移动互联网时代正式到来。 Makes this as for Li Dong, he has never considered. 至于李东自己去做这个,他从未考虑过。 Did not say the specialized issue, the light he knows that moves in the fund on 3 g investing is an extremely terrifying digit, to build the td-scdma network, the movement invested hundreds of billions, constructed the innumerable basic point stations. 不说专业性问题,光他知道的,移动在3g上面投入的资金是个极其恐怖的数字,为了布设td-scdma网络,移动投资了数千亿,建造了无数基点站。 The result is booing, less than five years of time, 4 g time. 结果倒好,五年不到的时间,4g时代到了。 Earlier hundreds of billions investments do not dare to say become invalid completely, but has not made money absolutely, wasted many resources. 前期数千亿的投资不敢说全部作废,可绝对没赚钱,浪费了不少资源。 On epihippus sunlight several people discussed with him, wants to do the communications company, strives to take the 3 g operation power. 上次马昀几人和他商量,要不要自己搞个通信公司,争取拿下3g运营权。 Li Dong rejected without delay, does not know cost-effective. 李东二话不说就拒绝了,就是知道不划算。 the 3 g license provides, although Li Dong cared, but because this is three big operators is operating, he is not worried successfully. 3g牌照发放,李东虽然关心,可因为这是三大运营商在运作,他丝毫不担心不成功。 Li Donggeng cared that is the providing issue of third-party payment license. 李东更关心的,还是第三方支付牌照的发放问题。 This matter, does not turn over to the Ministry of Industry manages actually. 这事,其实不归工信部管。 Ministry of Industry also only then the right to suggest, true responsible aspect business, is the Central Bank. 工信部这边也只有建议权,真正主管这方面业务的,是央行。 Li Dong asked this matter time, Minister stretch/open deeply looked at his one eyes, long time said: „ Li Dong, the Central Bank, Banking Regulatory Commission and financial office...... many departments, launched recently consulted the discussion repeatedly. 李东问起这事的时候,张部长深深看了他一眼,半晌才道:“李东,最近央行、银监会、金融办……多个部门,展开了多次协商座谈。 Even some experts and operators of payment spectrum, participated. 甚至支付领域的一些专家和经营者,也都参与了进来。 Everyone has a common viewpoint, the network pays essentially, should standardize. 大家都有一个共同观点,网络支付不可缺少,应该正规化。 In other words, the third-party payment industry business promulgation laws and regulations are sooner or later matter, will not be late. 也就是说,第三方支付业业务颁布法律法规是迟早的事,不会太迟。 But a little, everyone somewhat disputed. 可有一点,大家都有些争议。 In the middle of should the deposit issue about third party account, how process? 关于第三方账户当中的备付金问题,到底该如何处理？ Now, because of the issue of settlement cycle, you several third party accounts, the deposit are getting more and more. 如今,因为结算周期的问题,你们几家的第三方账户,备付金越来越多。 Is headed by Alipay and ten thousand cartoons, your third party public trust account, under the deposit normal state, reaches as high as over 3 billion, special period, during for example some activities, the deposit is to reach as high as 10 billion greatness! 以支付宝和万卡通为首,你们的第三方公共托管账户,备付金常态下,就高达30亿以上,特殊时期,比如一些活动期间,备付金更是高达百亿之巨！ According to the definition of Central Bank, the network third-party payment, is the non- financial institution! 按照央行的定义,网络第三方支付,都属于非金融机构！ In other words, you cannot conduct the interest in settle accounts. 也就是说,你们不能进行利息结算。 According to this standard, your deposit systems is a major problem, the trust in the bank, the produced interest, turns over to the buyer or the seller, or your third party platform, this does not permit. 按照这个标准,你们的备付金体系就是个大问题,其中托管在银行,产生的利息,到底是归买家还是卖家,又或者你们第三方平台,这都是不允许的。 The interest that these money have, how should process, nationalization? 那这些钱产生的利息,到底该怎么处理,收归国有吗？ You will not comply, without this precedent. 想必你们也不会答应,也没有这个先例。 This is a difficulty, by the present, did not have the explicit view temporarily. 这是一个难点,到现在,暂时还没明确的说法。 The second largest difficulty, the balance account that lies in you promotes. 第二大难点,在于你们推出的余额账户。 The balance account and your third party network public account, are not general at present, is not the deposit, this is the normal state reserve. 余额账户和你们的第三方网络公共账户,目前不是通用的,也不是备付金,这是常态储备金。 That these money, what to do should the produced interest? 那这些钱,产生的利息又该怎么办？ Some people said, who saves, the interest turns over to anyone. 有人说,谁存的,利息归谁。 But if this, had the conflict with the definition of your non- financial institution. 可要是这样,就和你们非金融机构的定义产生了冲突。 Some BRC that side people suggested, can these third party accounts, the balance account, take back the Central Bank and BRC...... ” 银监会那边有人建议,可以将这些第三方账户,余额账户,都收归央行和银监会……” Minister stretch/open just said, Li Dong changes on the complexion, clenches teeth saying: „ This picks the skill of peach, was certainly! 张部长这边刚说完,李东就脸色一变,咬牙道:“这摘桃子的功力,也是绝了！ I am willing to regulate, conduct the risk to control, even is willing to accept moving into of investigation group! 我愿意进行监管,进行风险把控,甚至愿意接受调查小组的入驻！ But wants to incorporate us, no way! 可想将我们收编,没门！ The third-party payment system, is important to us, once were incorporated, our entire system had the loophole, is we cannot tolerate! 第三方支付体系,对我们至关重要,一旦被收编,我们整个体系就出现了漏洞,也是我们绝不能容忍的！ Do the Central Bank and BRC do that have asked the opinion of our enterprise? 央行和银监会这么做,问过我们企业的意见吗？ They really felt, we are treat butcher the lamb, wants to kill kills? ” 难道他们真觉得,我们就是待宰羔羊,想杀就杀？” Minister stretch/open sees him to get angry, sighed lightly: „ Do be not so excited, at present is also only the suggestion, most people had not agreed. 张部长见他发怒,轻叹道:“不要这么激动,目前也只是建议罢了,大多数人都没有同意。 Everyone is not silly, knows that this will arouse the reverse psychology of enterprise. 大家也不傻,都知道这样会激起企业的逆反心理。 Symposium, including some leaders, rejected this proposition. 座谈会现场,包括一些领导,都否决了这项提议。 However, some people said, does not get down good, final possibly, your payment platforms, may step in the financial industry finally, for example, with the monetary fund cooperation, provides the interest, did you say? ” 但是,有人说,这么下去不行,最终的可能还是,你们这些支付平台,最终可能会涉足金融产业,比如说,和货币基金合作,发放利息,你说呢？” Li Dong is without turning a hair, the home never lacks the fool. 李东面不改色,国内从来不缺傻子。 Said the first-grade elite in the political circle, is not the lie. 都说一等精英在政界,也不算假话。 From one small clue one can see what is coming, from the balance account and third party account guessed correctly that road of next ten thousand cartoon or Alipay, is actually not difficult. 见微知著,从余额账户和第三方账户猜到下一步万卡通或是支付宝的路,其实不难。 These deposits and reserves, must be solved eventually. 这些备付金和储备金,终究要解决的。 But the way of solution, are not probably many, interest nationalization, or returns in people. 而解决的方式,好像也不多,要不,利息收归国有,要不发还于民。 Money nationalization of people, this does not conform to the wish of government for no reason, even if wants, the government does not want to fall the person pretext, dozen of what ideas on this. 平白无故地将群众的钱收归国有,这不符合政府的意愿,哪怕想要,政府也不想落人口实,在这上面打什么主意。 That best way, is takes from the people, serves the interests of the people. 那最好的办法,莫过于取之于民,用之于民。 But once this, the third-party payment platform invaded the domain of financial industry, this is actually a fast knot. 可一旦这样,第三方支付平台就侵占了金融行业的地盘,这其实是个死结。 After some people suggested the nationalization, conducted the interest in provide again, is equivalent to the banking industry's stationing in the network. 有人建议收归国有之后,再进行利息发放,相当于银行业在网络上布点。 But as the matter stands, is easy to trigger the reaction of enterprise. 可这样一来,又容易引起企业的反弹。 Therefore, the aspect somewhat is at present complex. 所以,目前局面有些复杂了。 Actually if Li Dong does not promote the balance account slightly to be good, everyone before is only staring at the deposit issue of public account, but has not involved the reserve issue. 其实李东要是不推出余额账户还稍微好一点,大家之前只盯着公共账户的备付金问题,而没有涉及到储备金问题。 Now, the thing that everyone considers was actually more. 如今,大家考虑的东西却是更多了。 These actually in the Li eastern expectation range, he are not the gods, where can consider so many. 这些其实也不在李东的预料范围内,他又不是神,哪能考虑那么多。 Initially promoted this account, on the one hand for populace, on the one hand to prepare in the future, is seizing the cell phone payments market while convenient. 当初推出这个账户,一方面是为了方便大众,一方面是为了日后做准备,顺带着抢占一下手机支付市场。 The result is booing, now instead oneself belaying. 结果倒好,现在反而把自己给套住了。 Sees Li Dong not to speak, Minister stretch/open also sighed, helpless slightly obviously said: „ You, this generation of entrepreneurs, before was really different. 见李东不说话,张部长又叹息了一声,略显无奈道:“你们啊,这一代的企业家,和以前真的不一样了。 You have to break all traditional courage, has the determination of dare to be first. 你们有打破一切传统的勇气,有敢为人先的决心。 But you must consider to be clear, the final result, not necessarily meets such as your intent. 可你们要考虑清楚了,最终的结果,不见得会如你们的意。 That day the horse sunlight Internet congress, with your path, threatened that must change the bank. 马昀互联网大会那天,和你一个路子,扬言要改变银行。 When originally the joke listens also even, finally you then brought out ten thousand cartoon cell phone payment businesses, the balance balance business...... 原本当个笑话听听也就算了,结果你回头就推出了万卡通手机支付业务,余额结存业务…… I listened to that side the Central Bank saying that the investigation and study group in the distant place, you even prepared to bring out the data matrix code payment business! 我听央行那边说,调研小组在远方的时候,你们甚至准备推出二维码支付业务！ Li Dong, this break first row of actions, in my heart support. 李东,这种打破先列的举动,我心底里是支持的。 Country, not in change better and better? 国家,不就是在变化中才越来越好的吗？ But, something, you cannot blame everyone to worry, the stability of money market, the relations are major. 可是,有些事,你不能怪大家担心,金融市场的稳定,关系重大。 Before the practical and feasible means that you takes the lead to break the traditional rule, might cause a series of issues. 在没有切实可行的办法之前,你们率先打破传统规则,很可能会引发一系列问题。 You walk was too quick, makes everyone somewhat unable to follow, making everyone quickly not respond, in such situation, how others do dare to agree casually? 你走的太快了,快的让大家有些跟不上,让大家还没反应过来,这样的情况下,其他人怎么敢随便同意？ Li Dong, the old man takes advantage of own seniority to say one today, if you want to earn many support, something stop, putting is good. 李东,老头子今天倚老卖老说一句,你要是想获得更多的支持,有些事还是停一停,放一放才行。 When the front road walked steadily, walked, discussed again other was not late, did you say? ” 等前面的路走稳了,走好了,再谈别的也不迟,你说呢？” Li Dongchen sound said: „ Minister, I know everyone's worry. 李东沉声道:“部长,我知道大家的顾虑。 Also knows, this may have some indefinite influence. 也知道,这样可能会产生一些不确定的影响。 But because had the worry, gives up eating for fear of choking, doesn't eat the food? 可难道因为有了顾虑,因噎废食,连饭都不吃了？ Stability overrides all other considerations, I understand, but I agree with first pilot, then promotes, isn't this good? 稳定压倒一切,我都明白,可我同意先试点,再推广,这难道还不行？ I also agreed that each department moves into ten thousand cartoons to regulate, in the event of the issue, can stop momentarily. 我也同意各个部门入驻万卡通进行监管,一旦出现问题,随时可以叫停。 Even, I dare to guarantee with the distant place! 甚至,我敢拿远方来担保！ Presents the risk, presents the loss, I compensation for economic losses! 出现风险,出现损失,我来赔偿损失！ At least, at present we have not expanded to 100 billion scale ranks, the pilot promotes, is so difficult? 起码,目前我们还没扩大到千亿规模级别,试点推广,有这么难吗？ Had not feared that we seized the traditional domain of financial industry! 还不是怕我们抢占了金融业的传统地盘！ But everyone is changing, invariable dies, must wait for them to change, do we change? 可人人都在变,不变就死,难道非要等他们变了,我们才变？ Existence of enterprise, is not investigates Quebu leaks, just the opposite, the enterprise should act as the vanguard, we have the country, has the government to work as the backing! 企业的存在,不是查缺补漏的,恰恰相反,企业才该充当先锋,我们有国家,有政府当后盾！ In the event of the accident, the government leaks for our investigates Quebu, this is a market, is the business, is the finance! 一旦出现变故,政府为我们查缺补漏,这才是市场,才是商业,才是金融！ I said these, does not aim at anyone, but some people some industries, the traditional philosophy was too heavy. 我说这些,不是针对谁,可有些人有些行业,传统思想太重了。 The society is changing, now, Huaxia and world connect rails, we must accept this change , to continue to insist that this inherent domain unmodifiable thought that with stopping all foreign contact to have what difference! ” 社会在变化,如今,华夏与世界接轨,我们就要接受这种变化,继续坚持这种固有地盘不可改变的思想,和闭关锁国有何区别！” „Li Dong!” “李东！” Minister stretch/open scolds one lightly, beckons with the hand to say slightly: „ Some words, said was extremely absolute. 张部长轻叱一声,微微摆手道:“有些话,说的太过绝对了。 Do be not so radical , the ignition, matter can not solve anxiously step by step, the ignition could not solve the problem. ” 你不要这么激进,也不要急着发火,事情要一步步解决,发火解决不了问题。” Li Dong drinks tea, the complexion returned to normal, the nod said: „I understand, is a minister, I not am quite really willing!” 李东喝了口茶,脸色恢复了正常,点头道:“我明白,可是部长,我真的不太甘心！” Minister stretch/open sighed: „ Receiving these is unwilling, I will continue to strive for you. 张部长叹息道:“收起这些不甘心,我会继续为你争取的。 Solely is not I, many people are striving. 不单单是我,还有很多人都在争取。 However all require the time, I said these with you, but hopes you, can slow down your footsteps temporarily. 但是一切都需要时间,我之所以和你说这些,只是希望你,可以暂时放缓你的脚步。 You do not know, because your movement is too quick, we just reached the compromise, achieves consistently, by being completely muddled that your new plan makes. 你不知道,因为你的动作太快,我们刚达成妥协,达成一致,紧接着就被你的新方案弄的晕头转向。 You must relax to everyone, do yourself feel? ” 你总得给大家缓和一下,你自己觉得呢？” Li Dong nods again, he understands this truth. 李东再次点头,他明白这个道理。 Oneself know that something is right, is harmless, but that is because have experienced. 自己知道有些东西是对的,是无伤大雅的,可那是因为自己经历过。 Others are not the gods, something, must accept little are good. 其他人不是神,有些东西,总要一点点接受才行。 Finally they just accepted the front change, behind Li Dong changed, this makes everyone be somewhat at a loss. 结果他们刚就接受了前面的变化,后面李东又变了,这让大家有些无所适从。 Now, not only these two generations worked as the god of plague Li Dong, Central Bank these financial institutions and some Internet organizations, worked as the god of plague Li Dong quickly. 现在,不单单那些二代把李东当瘟神了,央行这些金融机构和一些互联网机构,都快把李东当瘟神了。 This fellow, these days does not know that increased many work to them, increased many to trouble. 这家伙,这些日子也不知道给他们添加了多少工作,增添了多少麻烦。 That side the Central Bank even / institute to state affair suggested, must dispatch one based in the group, moves into the distant place officially. 央行那边甚至向国务/院建议,要不要派遣一个常驻小组,正式入驻远方。 So as to avoid the distant place acts acts, they who frequently make are completely muddled. 免得远方这边左一个动作右一个动作,经常弄的他们晕头转向。 Li Dong and Minister stretch/open chatted were very long, finally thanked this old person, with old person handshake farewell. 李东和张部长聊了很久,最后感激了一阵这位老人,才和老人握手告别。 Said goodbye to Minister stretch/open, Li Dong made an appointment with a vice president of Central Bank in the evening. 告别了张部长,李东晚上又约见了一位央行的副行长。 This vice president, was through ten thousand cartoon study group that team leaders, the financial stability bureau chief, Li Dong fellow villager introduction made initially. 这位副行长,还是通过当初万卡通调研组那位组长,金融稳定局局长,李东的老乡介绍才约出来的。 In the evening, Li Dong and opposite party discussed is very long. 晚上,李东和对方谈了很久。 The main contents are the plans of ten thousand cartoons, the layout, the goal, as well as a series of commitments. 主要内容便是万卡通的规划,布局,目的,以及一系列的承诺。 ...... …… Comes out from the hotel, Li Dong whole body liquor air/Qi. 从饭店出来,李东满身的酒气。 Just boarded, Li Dong cell phone then made a sound, Shen Qian hit. 刚上车,李东手机便响了,沈茜打来的。 Said several words, Shen Qian said in a soft voice: „Was tired?” 说了几句话,沈茜轻声道:“累了？” „A little.” “有点。” „ Li Dong, really or the line, gives up the Internet finance. “李东,真要不行,就放弃互联网金融吧。 So long as the network payment were not banned, is not very big to our layout influences. 只要网络支付不被取缔,对我们的布局影响并不是很大。 Do not release for flight? 你不是要放飞自我吗？ Now, you to promote these, continued to fall into the shackles yourself, suffered hardships to be a scapegoat did not say, but also took very big risk...... ” 现在,你为了推动这些,继续把自己陷入了牢笼,受苦受气不说,还承担很大的风险……” Li Dongche pulled the collar, shouted a gas channel/angrily said: „ Your meaning I know. 李东扯了扯衣领,呼了口气道:“你的意思我知道。 Before I had then said under the ability, broke some barriers and imprisonments, made my live was more relaxed. 之前我便说过能力下,打破一些壁垒和禁锢,让我活的更轻松一些。 Now, I am trying hard for this point. 现在,我就是为这一点在努力。 You do not break these imprisonments, that is living forever under this imprisonment, where has what freedom. 你不去打破这些禁锢,那就永远活着这层禁锢之下,哪有什么自由可言。 You attempt to break it, the process is naturally difficult, may wait for you to break through, the imprisonment then no longer imprisons. 你去尝试着打破它,过程自然是艰难的,可等你突破了,禁锢便不再是禁锢。 A few years ago, I came Capital City management, for 3 billion debenture issues, I begged help from all quarters, became the grandson, saw the person to shout the master. 几年前,我来京城办事,为了30亿的债券发行,我求爷爷告奶奶,给人当孙子,见人就喊爷。 Several years later, I come again, the initial these people, he no longer was a grandfather. 几年后,我再来,当初的那些人,他就不再是爷爷了。 Now, can make me shout that the person of master are not many. 如今,能让我喊爷的人不多了。 The masters also grow from the grandson, I do not want to give the person to become the grandson, therefore, I am thinking breaks something step by step. 爷也都是从孙子成长起来的,我不想一直给人当孙子,所以,我才想着一步步去打破一些东西。 Arrived present this situation, at the enterprise, solely is not money that I pursued, crisp feeling of this type of break barrier and imprisonment. 到了现在这地步,事业上,我追求的不单单是金钱了,还有这种打破壁垒和禁锢的爽感。 Therefore, you said that makes me give up, that is not possible, only if really had no way out. ” 所以,你说让我放弃,那是不可能的,除非真的无路可走了。” Shen Qian is silent, long time said: „ Yourself had the decision, that goes about something with a free hand. 沈茜默然,半晌才道:“你自己有了决定,那就放手去做。 However Capital City, having the matter can discuss with my father, perhaps he can give you to suggest that is uncertain. ” 不过在京城这边,有事可以和我爸商量一下,也许他能给你一些建议也不一定。” Li Dong that does not want to give the person to become the grandson, making Shen Qian somewhat touch. 李东那句不想一直给人当孙子,让沈茜有些触动。 Under this type of environment, a merchant, wants to achieve this, is how difficult. 在这种大环境下,一个商人,想做到这点,何其难。 Li Dong retail big ecosphere, the Internet + system, it seems like, prepares for these words at present, prepares the ground. 李东的零售大生态圈,互联网+体系,目前看来,都是为了这句话做准备,做铺垫。 Shen Qian knows difficulty, the help that but she can provide for Li Dong is limited, now, among the person of understanding can give Li Dongyi only the help and suggested that perhaps also only then Du Anmin. 沈茜知道其中的难处,可她能为李东提供的帮助有限,如今,认识的人当中唯一能给李东一些帮助和建议的,恐怕也只有杜安民了。 Li Dongwen said says with a smile: „ Ok, I am thinking before visits. 李东闻言笑道:“行,我之前就想着去拜访呢。 Today is too late, tomorrow will go again, yourself rest earlier, does not need to be worried about me. 今天太晚了,明天再去,你自己早点睡吧,不用担心我。 I look now am the dangers and difficulties, in fact is I am seeking some breakthroughs and stimulation intentionally, so as to avoid my fighting spirit all consumed. 我现在看着是艰难险阻,实际上是我自己故意在寻求一些突破和刺激,免得我的斗志全都消耗了。 Really must be in the situation of having no way out, I will not play dumb, must do, therefore me does not need to be worried. ” 真要到了无路可走的地步,我也不会犯傻,非要去干,所以我这边不用担心。” „Good, you also rest earlier......” “那好,你也早点休息……” „......” “……” Two people chatted several, Li Dong hung up the telephone. 两人聊了几句,李东挂断了电话。 Took the cell phone to read an address book, wants to telephone, finally put down the cell phone, by rested on the seat. 拿着手机翻看了一下通讯录,想打电话出去,最终还是放下手机,靠在座椅上小憩起来。 appapp appapp