In hotel. 酒店中。 Li east to time, the horse sunlight they also prepared to go downstairs to have the lunch. 李东到的时候,马昀他们也准备下楼吃午饭了。 Saw Li east , the horse sunlight sized up his one eyes with a laugh, long time said: „Come is very early, but also thinks that you can come in the afternoon, it seems like young good.” 见李东到了,马昀笑呵呵地打量了他一眼,半晌才道:“来的挺早啊,还以为你下午才能来,看来还是年轻好。” „ Pulls what pale, something said the matter. “扯什么淡,有事说事。 For these days busy being completely muddled, I had the matter in the afternoon, you a bit faster. ” 这几天忙的晕头转向,下午我有事,你们这边快点。” „Anxious anything.” “急什么。” horse Yunxiao, then turned the head to look at other several humanity: „We chat while eating, has not fallen into the red light district while Li Dapao, assigns the matter.” 马昀笑了一声,接着转头看了一阵其他几人道:“那咱们就边吃边聊,趁着李大炮还没陷入温柔乡,把事情给定下来。” horse Yun is not a person, follows several people. 马昀不是一个人,身后还跟着好几个人。 Hears horse Yun the words, the people smiled together. 听到马昀的话,众人一起笑了起来。 Li Dong has not cared, is walking while said: „What matter? But we now the opponent, what matter will you have to find on me?” 李东也没在意,一边走着一边说道:“到底什么事？咱俩现在可是对手,你有什么事会找到我头上？” „It seems like you really idled recently.” “看来你最近是真的懈怠了。” horse Yunqing sighed one, shook the head saying: „ Recently won't you really fall into the red light district wholeheartedly? 马昀轻叹一声,摇头道:“最近你不会真的一心栽进温柔乡了吧？ The government introduced many new policies recently, almost involved the Internet finance and Internet payment business. 政府最近出台了不少新政策,几乎都涉及到了互联网金融和互联网支付业务。 Advantageous good news, there is a bad news. 有利好的消息,也有不利的消息。 From the general situation, the government supports the germination of new industry, may from the detail, be the safety first, the risk reduces. 从大局上来说,政府是支持新产业的萌发的,可从细节上来看,还是安全第一,风险降低。 In brief, can promote, but must conduct the strict control measure. 总而言之,可以推广,但是要进行严格的管控措施。 This time looks for you, actually also wants to discuss the matter in this aspect with you. 这次来找你,其实也是想和你谈谈这方面的事。 You are the Internet finance first person, this concept, is you takes the lead to propose. 你是互联网金融的第一人,这个概念,也是你率先提出的。 Now, you promote half, took to one's heels to travel, we may be in the difficult situation now. 现在,你推动到一半,撒丫子跑路了,我们这些人现在可都处于两难的地步。 Yu’e Bao was limited, I heard that is not passive, but is initiative. 余额宝被限制,我听说不是被动的,而是主动的。 Li Dong, you give the low-down to us, how do you think? 李东,你给我们交个底,你怎么想的？ Now everyone is looking at the movement conduct of ten thousand cartoons, ten thousand cartoons take one of the vanguard army, once ten thousand cartoons first shrank, will have the enormous impact on the entire industry. 现在大家都在看万卡通的动作行事,万卡通作为先锋军之一,一旦万卡通这边先缩回去了,会对整个产业造成极大的影响。 On the other hand, your time shrinking was also too quick, we just started, even just prepared to start, even your Li Dong shrank, how did you make us also continue to do? 话说回来,你这次缩的也太快了,我们刚上马,甚至刚准备上马,连你李东都缩回去了,你让我们还怎么继续做下去？ The Central Bank, BRC, including some regulators, introduced many policies recently. 央行,银监会,包括一些监管机构,最近都出台了不少政策。 Including deposit issue! ” 包括备付金的问题！” horse Yun speaking of this, frowns to say slightly: „ According to several new policies, later, the deposit of non- financial payment organization, must set up the specific deposit account in the commercial bank. 马昀说到这,微微蹙眉道:“按照几家的新政策,以后,非金融支付机构的备付金,都必须要在商业银行设立特定的备付金账户。 But opening a bank account of these accounts, not in the name of our company, is not individual name, is not the name of customer. 而这些账户的开户,不是以我们公司的名义,也不是个人的名义,更不是客户的名义。 But is the unified plan! 而是统一规划！ In other words, later, these deposits, have nothing to do with us, we are unable to meddle, can only hand over by the government apparatus regulates. 也就是说,以后,这些备付金,和我们无关,我们无法插手,只能交由政府机构监管。 Also, receipt that even we write up, is no longer related with the deposit, but is the service amount receipt. 还有,连我们出具的发票,也不再和备付金有关,而是服务金额发票。 This is actually in disguised form reduction our rights and regulatory scopes...... ” 这其实是一种变相的缩小我们的权利和监管范围……” Li Dongping static say/way: „Normal.” 李东平静道:“正常。” „Normal?” “正常？” horse Yun knits the brows: „ You feel normal, I do not feel normally! 马昀皱眉道:“你觉得正常,我觉得不正常！ Pays the permit, we attained. 支付许可证,我们都拿到了。 Thinks, attained paid the permit, means, we were admitted by the financial institution were right. 原以为,拿到了支付许可证,也就意味着,我们被金融机构接纳了才对。 But in fact, we now are the non- financial institutions, a non- financial institution management method, almost selecting dead our roads. ” 而实际上,我们现在都是非金融机构,一个非金融机构管理办法,几乎将我们的路给圈定死了。” „What to do do you want?” “那你想怎么办？” Li Dong asked back: „ As the mobile Internet time arrives, the network pays to become a normal state. 李东反问道:“随着移动互联网时代到来,网络支付成为一种常态。 At this time, before no longer is , the independent net bought the market. 这时候,就不再是以前单独的网购市场了。 Before, every year our these payment organizations, the involved fund, broke open the day also on 100 billion levels. 以前,每年我们这些支付机构,涉及的资金,撑破天也就千亿的水准。 But now? 可现在呢？ Now is only in the first quarter, the fund inflows of ten thousand cartoons and flow out on fearful scary. 现在光是一季度,万卡通的资金流入和流出就可怕的吓人。 In the first quarter, ten thousand cartoons from each channel, altogether the fund of inflow surpass 400 billion! 一季度,万卡通从各个渠道,总共流入的资金超过4000亿！ This market is still expanding continually, in the second quarter will be only more, later will be getting more and more. 这个市场还在持续扩大,二季度只会更多,以后会越来越多。 Fund that the whole year later, ten thousand cartoons flow in possibly over 2 trillion! 全年下来,万卡通流入的资金可能超过两万亿！ The nag, yourself said, such big resource flows, the government won't possibly regulate? 老马,你自己说,这么大笔的资金流动,政府可能会不监管吗？ Now we can do actually not many...... ” 我们现在能做的其实不多……” horse Yun shakes the head saying: „ You made a mistake, many that we can make! 马昀摇头道:“你错了,我们能做的很多！ Some matters, you do not strive, others to you, instead will not think that you do not need, that did not give you. 有些事,你不去争取,那别人就不会给你,反而觉得你不需要,那就不给你了。 Like before, the payment license can get down, lies in we striving. 就像之前,支付牌照能下来,就在于我们一次次的争取。 If we do not strive, let alone last year, will not even be able to get down this year next year! 如果我们不争取,那别说去年,今年甚至明年都下不来！ This is diligently and difference not diligently, you are resigned to bad conditions, any policy supports, then you will be selected sooner or later in a small group, ultimately moved toward the death or the decline. 这就是努力和不努力的区别,你逆来顺受,任何政策都支持,那么你迟早会被圈定在一个小圈子中,最终走向死亡或者没落。 But this, is not we are willing to see. 而这,不是我们愿意看到的。 Perhaps we are unable to reverse the general situation, may probably make some movements at least, making others see, we also hope this industry can change is better, can achieve the perfect regulation, completes the most powerful risk control measure! ” 我们也许无法逆转大局,可起码要作出一些动作,让别人看到,我们也希望这个行业能变的更好,也能做到完善的监管,做好最强大的风险管控措施！” „You spoke frankly, what do you want to make me make?” “你直说,你想让我做什么？” Li Dong directly soars the subject, how he wants to have a look at horse Yun to say. 李东直奔主题,他想看看马昀怎么说。 horse Yun said with a smile: „First eats meal, later said again.” 马昀笑道:“先吃饭,待会再说。” „I am not hungry, had just eaten, you said your goal on the line, so as to avoid the food cannot eat later.” “我不饿,刚吃过,你就说你的目的就行,免得待会饭都吃不下去。” horse Yun turns the head to look to him, long time said: „ Simple, everyone for you is also actually favorable with the goal that I come together. 马昀转头看向他,半晌才道:“简单,大家跟我一起来的目的其实对你也是有利的。 At present, we reached the intention initially. 目前,我们初步达成了意向。 First, as usual, we join up again, sends out to be our sounds. 第一,和以往一样,我们再次联合起来,发出属于我们的声音。 The third-party payment organization, should not be integrated into the non- financial system, particularly after the payment license issues, we are also the regular armies, but no longer is a hooligan! 第三方支付机构,不应该被纳入非金融体系,尤其是在支付牌照下发之后,我们也是正规军,而不再是野路子！ Since the government verified to pass, deployed the regular permit to us, that means that they approved us. 既然政府审核通过了,给我们发放了正规的许可证,那就意味着他们认可了我们。 Without the truth double sign, the critical moment defines to us as the non- financial institution. 没有道理双标,关键时刻给我们定义为非金融机构。 The Internet finance, that is also the financial industry! 互联网金融,那也是金融行业！ Second, applied for the photographs of some financial industries, including private bank and small loan license. 第二,多申请一些金融行业的拍照,包括民营银行和小贷牌照。 The fund, no truth winds through from our hands, finally was cheap others. 资金,没道理从我们手中流过,最终便宜了别人。 The Internet financial industry needs to improve, the sole payment and monetary fund are not enough to support a new industry and industry...... ” 互联网金融行业需要完善,单一的支付、货币基金不足以支撑起一个新的行业和产业……” „......” “哦……” Li Dong sincerity was perfunctory one insufficient, horse Yun knits the brows: „Do you have the different opinions?” 李东诚意不足地敷衍了一声,马昀皱眉道:“你有不同意见？” Li Dong smiles saying: „No, but I do not participate.” 李东笑眯眯道:“没有,不过我不参与了。” „Why!” “为什么！” Not only horse Yun, the managers of other payment organizations were also anxious. 不仅马昀,其他支付机构的老总也都急了。 Li Dong does not participate, how that also plays! 李东不参与,那还怎么玩下去！ Li Dong curls the lip, some speechless say/way: „ I also think that what important matter is coming, this matter? 李东撇了撇嘴,有些无语道:“我还以为什么大事来着,就这点事？ These that you said that that is you, is not I. 你说的这些,那是你们,不是我。 Good, I speak the truth, I am applying for the consumer finance license now, once the application passes, all issues are not the issues. 好吧,我说实话,我现在正在申请消费金融牌照,一旦申请通过,所有的问题都不是问题。 Therefore, I and some everyone differences. 所以呢,我和大家还是有些区别的。 What's wrong, looked that I do not have the sound to the present, thought that I did give up? ” 怎么,看我到现在没动静,就觉得我放弃了？” Li Dong laughs at one, in the financial arena, several major suits returns must take. 李东嗤笑一声,在金融领域,有几大牌照还是必须要拿到手的。 Especially the new financial arena, the license is basic. 尤其是新金融领域,牌照是根本。 First, the difficulty that the third-party payment license, this actually takes is not high. 第一,第三方支付牌照,这个其实拿到手的难度不高。 Before issued the license time, the taken enterprise were many. 之前颁发牌照的时候,拿到手的企业不少。 Second, Internet fund and sales license. 第二,互联网基金及销售牌照。 This, new policy that also presented a short time ago, is because Yu’e Bao these monetary funds appear, the Central Bank and SRC these departments made the adjustment. 这点,也是前不久才出现的新政策,也是因为余额宝这些货币基金出现,央行和证监会这些部门做了调整。 Meanwhile, but also issued the third license, the Internet safe license. 与此同时,还颁发了第三份牌照,互联网保险牌照。 These licenses, the distant place can attain, Ali can also attain. 这些牌照,远方能拿到,阿里也能拿到。 But the remaining several licenses, quite had the difficulty. 而剩下的几个牌照,就比较有难度了。 In horse Yunkou private bank license and Internet petty loan license...... 马昀口中的民营银行牌照、互联网小额贷款牌照…… At present, has not come out, but had this intention, the government says must issue, horse Yun the meaning was now is obviously same as before, continued to urge the government to introduce these policies rapidly. 目前,都还没有出炉,而只是有这个意向,政府说要颁发,马昀的意思显然是现在和之前一样,继续督促政府迅速出台这些政策。 Once there are these licenses, that was easier to do, some present limits and contrary places no longer were the issues. 一旦有了这些牌照,那就好办多了,有些现在的限制和违规的地方都不再是问题了。 Especially the small loan license, before horse Yun is very long , said that support small and medium-sized enterprise. 尤其是小贷牌照,马昀很久之前就说,扶持中小企业。 How to support? 怎么扶持？ Naturally is the loan! 当然是贷款！ May not have the small loan license, the loan is contrary, particularly their these enterprise in enterprises. 可没有小贷牌照,贷款就是违规,尤其是他们这些企业对企业之间。 May attain the license, is not only compliant, but can also use the lever. 可拿到了牌照,不仅仅合规,还可以使用杠杆。 In other words, once attained the small loan license, use can not only be own money, including some deposits, they can use. 也就是说,一旦拿到了小贷牌照,动用的可以不仅仅是自己的钱,包括一些备付金,他们都可以动用。 Naturally, in which lever also has the limit. 当然,其中的杠杆也是有限制的。 Can achieve the high lever truly, moreover limits very slightly, actually consumer finance license. 真正能做到高杠杆,而且限制很小的,其实还是消费金融牌照。 The consumer finance license, a expense, represents the lots. 消费金融牌照,一个消费,就代表很多东西。 This is in 08, economic crisis, country to promote to stimulate spends, new policy that comes out. 这是在08年的时候,经济危机,国家为了促进刺激消费,才出炉的新政策。 The consumer finance, including the consumer auto, the education spends, the repair spends, travel consumption...... 消费金融,包括汽车消费,教育消费,装修消费,旅游消费…… In brief, except for home loan, other consumptive loans, so long as attained this license, you can do, but no longer limits some in domain. 总之,除了房贷,其他所有的消费贷款,只要拿到了这份牌照,你都可以去做,而不再局限于某个领域。 Small loan license that horse Yun he said that actually the limit is very big, has the limit including the amount on. 马昀他说的小贷牌照,其实限制还是很大的,包括金额上面也有限制。 May spend the license, the contained domain are many, moreover condition that the consumer finance license takes, is higher than all license conditions. 可消费牌照,包含的领域很多,而且消费金融牌照拿到手的条件,比所有的牌照条件都要高。 Li Dongyi day successful applicant, that following, ten thousand cartoons can make many many businesses. 李东一旦申请成功,那接下来,万卡通就可以做很多很多业务了。 Also no longer is the earlier irregularity operation, but formally oneself, when the network bank does, these are compliant. 也不再是前期的违法违规操作,而是正儿八经地把自己当网上银行去做,这些都是合规的。 Naturally, the application requirement of consumer finance license is also very high. 当然,消费金融牌照的申请要求也很高。 Otherwise, Li Dong will not say that he and others had the difference. 要不然,李东也不会说他和别人有区别了。 What condition? 什么条件？ First, the financial institution takes the initiator, at the end of the year the total assets are not lower than 60 billion, the non- financial institution earning is not lower than 30 billion. 第一,金融机构作为发起人,年末总资产不低于600亿,非金融机构营收不低于300亿。 What concept is this? 这是什么概念？ The concept is, beforehand bat three put together, the years earning is less than 30 billion. 概念就是,之前的bat三家加在一起,年营收都不到300亿。 How to apply? 怎么申请？ Especially Ali also stripped Alipay, if not take Ali as the initiator, but takes Alipay as the initiator alone, years earning where Alipay comes 30 billion. 尤其是阿里还剥离了支付宝,如果不以阿里为发起人,而是单独以支付宝为发起人,支付宝哪来的年营收300亿。 The earning, that is the actual performance of enterprise, rather than the running water, this is different. 营收,那是企业的实际业绩,而不是说流水,这是不一样的。 Therefore, the present domestic Internet enterprise, including the Internet payment organization, does not have any achieves the condition . Moreover the disparity very is very big! 所以,如今的国内互联网企业,包括互联网支付机构,没有任何一家达到条件的,而且差距还很大很大！ Only if they do not take themselves as the initiator, but such must be born a issue, the issue of shareholder! 除非他们不以自身为发起人,可那样又要出生一个问题,股东的问题！ But distant place, then does not have these limits. 而远方,则是没有这些限制。 Ten thousand cartoons can take the distant holding to apply as the initiator for the holding party, the distant holding was also the present distant total group, the earning and asset surpassed the request. 万卡通可以以远方控股为控股方作为发起人去申请,远方控股也就是现在的远方总集团,营收和资产都超过了要求。 The distant place applied, through the possibility was very big, the places of some only flaws lay in ten thousand cartoon establish time are not long, cannot put out a perfect financial statement to come out. 远方这边去申请,通过的可能性很大,唯一有些缺陷的地方就在于万卡通成立的时间不是太长,拿不出一份完美的财报出来。 Naturally, these issue is actually not big, does not attain a designated standard to be simpler than the rigid condition. 当然,这些其实问题不大,比硬性条件不达标要简单许多。 The distant place is applying at present, once passes, the distant place can make loans officially outward. 远方目前正在申请,一旦通过,远方就可以正式对外放贷了。 Moreover there are these licenses, the thing that particularly the consumer finance license, that can make were many. 而且有了这些牌照,尤其是消费金融牌照,那能做的东西就多了。 The common small loan license, can support two to three times of levers at the most. 一般的小贷牌照,能支撑两到三倍的杠杆就顶天了。 Your capital hundred million, most make loans outward 2,000,000-3,000,000, that is the risk is enormous. 你资本一个亿,最多对外放贷2,000,000-3,000,000,那是风险极大极大的。 But consumer finance, because the cycle is not long, the leverage is also high, generally can support five times to ten times of levers. 可消费金融,因为周期不长,杠杆率也高,一般能支撑起五倍到十倍的杠杆。 You have a hundred million capital, loans outward good ten hundred million. 你有一个亿的资本,对外放款十个亿都行。 Naturally, this needs to take very big risk, but in fact the risk wants to be smaller than the small loan. 当然,这需要承担很大的风险,可实际上风险还是比小贷要小很多。 Once the distant place attained the consumer finance license, Li Dong can oneself, when the bank did, is the commercial bank, rather than limited very big private bank. 远方一旦拿到了消费金融牌照,李东就可以把自己当银行去做了,是商业银行,而不是局限性很大的民营银行。 His saying said that other person facial colors were ugly, horse Yungeng criticized at heart, bullies the person! 他这话说出来,其他人都面色难看,马昀更是心里暗骂,欺负人是吧！ He forgot this actually, now thinks, the distant place indeed does not need to be the same with them, strives these policies, these conditions, others back has the capital! 他倒是忘了这茬,现在想起来,远方的确不需要和他们一样,去争取那些政策,那些条件,人家背后有资本！ No wonder Li Dong is unhurriedly, no wonder Li Dong leisurely and carefree. 怪不得李东不慌不忙的,怪不得李东悠闲的很。 horse Yun was still deliberately considering, this fellow forgot this, originally is waiting in this! 马昀还在寻思,这家伙是不是忘了这茬,原来在这等着呢！ Moreover Li Dong, since said that the hope that showing takes is very big, otherwise he now does not say. 而且李东既然说了,那说明拿到手的希望很大,要不然他不会现在说出来。 When horse sunlight several people think the matter, Li Dong also said with a smile: „ I, this time advanced one step, but should not be discouraged. 就在马昀几人想事情的时候,李东又笑道:“我呢,这次就先行一步了,不过诸位不要气馁。 I will not monopolize the Internet money market, without that big appetite. 我不会把互联网金融市场独占的,也没那么大的胃口。 Actually is not I alone can take, many industrial corporations. 其实又不是我一个人能拿到手,很多实业公司也可以的。 However they do not understand this line, does not dare to do, cannot unshackle. 不过他们不懂这行,也不敢做,放不开手脚。 All right, I wait for your professionals to rob the rice bowl. 没事,我等着你们这些专业人士来抢饭碗。 So long as you met the requirement, can apply, when the time comes we take the business of bank together, making them limit us daily. 只要你们符合了要求,也可以去申请,到时候我们一起把银行的业务抢到手,让他们天天限制我们。 Later, except that the home loan is undoable, we and banks have not distinguished. 以后,除了房贷不能做,我们和银行没区别了。 Moreover the Internet bank, this conforms to the present trend, I believe, this market is very big, perhaps is bigger than the market of entity bank. 而且互联网银行,这才符合现在的趋势,我相信,这个市场还是很大的,也许比实体银行的市场还要大。 Naturally, you can take other license, actually could not miss many...... ” 当然,你们可以拿别的牌照,其实也差不了多少……” He said that said that others were about to shout 'fuck your mom'. 他说是这么说,其他人却是快骂娘了。 Also started the exciting person! 又开始刺激人了！ Can other licenses be the same with the consumer finance license? 其他的牌照和消费金融牌照能一样吗？ The range selects different! 范围圈定的都不同！ horse Yun at this time slow, is staring at Li Dongdao: „Said, you are flickering from the beginning we?” 马昀这时候缓了过来,盯着李东道:“这么说,你从一开始就是在忽悠我们了？” Li Dongcha different way: „What tricks?” 李东诧异道:“什么忽悠？” „Before you should, decided on this idea to be right, attitude that a result Yu’e Bao will die......” “你应该之前就打定了这个主意才对,结果一副余额宝将死的态度……” „Yu’e Bao and this have not related, both are not a body, one is the monetary fund, one is the consumptive loan, the irrelevant matter, do you mentioned do.” “余额宝和这个没关系,两者又不是一体的,一个是货币基金,一个是消费贷款,无关的事,你说来干嘛。” „You......” “你……” The horse sunlight is angry, listens not to relate, but hasn't in fact really related? 马昀恼怒,听着是没关系,可实际上真没关系吗？ horse Yungan guaranteed, once ten thousand cartoons start to make the consumer finance loan, the money of user will only store Yu’e Bao, later expense, perhaps also in distant commercial city. 马昀敢保证,一旦万卡通开始做消费金融贷款,那用户的钱只会存入余额宝,以后的消费,恐怕也就在远方商城了。 After all from the fund of ten thousand cartoon loans, takes away to pull out the valuable shopping? 毕竟从万卡通贷的款子,难道还拿去掏宝购物？ Moreover, Li Dong also has the plan and limit inevitably. 而且,李东必然也是有计划和限制的。 Really, Li Dong also said with a smile: „ I think, since the government hopes that sees us to complete the regulation and risk control, that must complete is good! 果然,李东又笑道:“我想了想,既然政府希望看到我们做好监管和风险管控,那一定要做好才行！ Therefore, the distant place may promote our credit rating system in the near future. 所以,远方近期可能会推出我们的信用评级体系。 I hope very much everyone joins together, after all distant is hard to collect all data, words that we join, that present any in online with the business data that the Internet finance is related, we can achieve the control. 我很希望大家一起加入进来,毕竟远方一家难以收集所有的数据,我们都加入的话,那如今凡是在网上和互联网金融相关的业务数据,我们都能做到掌控。 Later, has the expense in the industry system of distant place, has the loan, has the deposit, we can check, can establish the individual credit system. 以后,在远方的产业体系当中有消费,有贷款,有存款,我们都可以查到,都可以建立起个人信用体系。 As the matter stands, that was easier to do, risk control also easy many...... ” 这样一来,那就好办多了,风险管控也容易很多……” This saying, other person of good, the horse sunlight complexion actually changes. 这话一出,其他人还好,马昀脸色却是一变。 Once Li Dong credit system comes, in addition the consumer finance license releases, later everything in the distant shopping or the expense, or other, will be integrated into the middle of the credit system, rates. 一旦李东的信用体系出炉,加上消费金融牌照下放,以后凡是在远方购物或者消费,或者其他的,都会被纳入信用体系当中,进行评级。 Some users, considering that later probably needs to loan and so on, general first choice was the product of distant place. 有些用户,考虑到以后可能需要贷款之类的,大概首选的便是远方的产品了。 After all, is pulling out the valuable shopping, money spent, has no big using, the loan has no way to loan, waste. 毕竟,在掏宝购物,钱花了,也没什么大用,贷款都没法贷,多浪费。 Although is not everyone needs to loan, if not everyone needs the credit card to be the same, but this society, needs these people too many are too many! 虽然不是每个人都需要贷款,就如不是每个人都需要信用卡一样,可这个社会,需要这些的人太多太多！ Really wants no one need, every year will not have so many banking. 真要没人需要,每年也就不会产生那么多的银行业务了。 horse Yunshen inspires, looks to Li Dongdao: „You say these now, wants to explain that you did win?” 马昀深吸一口气,看向李东道:“你现在说出来这些,是想说明你赢定了？” Li Dongyi face said innocently: „ How don't I have you? 李东一脸无辜道:“我没怎么着你吧？ You are drawing me the matter, didn't my explain the situation with you? 你拉着我来说事,我这不跟你说明情况吗？ Let alone, this is our plans, I had said before many time right, particularly establishment of credit system, before I am very early, has said. 何况,这本来就是我们的计划,我之前就说过很多次的才对,尤其是信用体系的建立,我很早之前就说过。 Just, because of some reasons, cannot achieve before promptly. 只不过,之前因为一些原因,没能及时做到罢了。 Now I you told that such, you think unexpectedly I am provoking you? 现在我跟你说这么一声,你居然以为我在挑衅你？ Nag, your narrow-minded, when can change. 老马,就你这小心眼,什么时候能改改。 Also, Ali also got online, has anything at the worst. 再说了,阿里也上线好了,有什么大不了的。 Was not the big data industry did not have the layout to finish, the data processing was troublesome. 不就是大数据产业还没布局完毕,数据处理麻烦么。 It is not the industry chain is scarce, the credit system is not good to do. 不就是产业链稀少,信用体系不好做么。 Cannot attain the consumer finance license, some businesses could not do. 不就是没能拿到消费金融牌照,有些业务做不了么。 Does not have money, making the scale is not big. 不就是没钱,做出来规模也不大么。 What does this have? 这有啥？ Everyone does step by step, without whom from the beginning is a jumbo? 大家都是一步步做起来的,没谁一开始就是巨无霸吧？ Nag, self-confident, I believe your, you can exceed me absolutely, I favor you! ” 老马,自信点,我相信你的,你绝对可以超越我,我看好你！” „Gets the hell out!” “滚蛋！” Unbearable of horse sunlight real air/Qi, a mistake, is step by step wrong. 马昀这次真气的够呛,一步错,步步错。 He wants to draw Li Dongyi to get up, taking advantage of a Li Dong power and influence, making everyone make a profit, particularly Ali. 他原本只是想拉李东一起,借一下李东的威势,让大家都获利,尤其是阿里。 horse Yunla comes others, actually also some meanings of attempting the throne. 马昀拉来其他人,其实也有些逼宫的意思。 Everyone hopes that you stand, you do not stand, that offended the peers. 大家都希望你站出来,你不站出来,那就把同行都得罪完了。 But is finally booing, simple that now Li Dong rejects, is not because he does not do, he has completed, now is leading the way to everyone. 可结果倒好,现在李东拒绝的干脆,不是因为他不做,他已经做完了,现在正在给大家开路呢。 At this time, what can also say? 这时候,还能说什么？ Again by a Li Dongyi taunt, the horse sunlight besides scolding oneself plays dumb looks for Li Dong unexpectedly, really had nothing to say in reply! 再被李东一阵嘲讽,马昀除了骂自己犯傻居然来找李东之外,真的无言以对！