The numerous plan with the p2p net loans two concept one, the atmosphere was somewhat different. 众筹和p2p网贷两个概念一出,氛围有些不同了。 Minister stretch/open the complexion changes, sinking sound said: „These two and does folk illegal gathering capital have what difference?” 张部长脸色一变,沉声道:“这两者和民间非法集资有何区别？” horse Yun has not spoken, Li Dong said: „The most essential difference, lies in regulating the issue!” 马昀没说话,李东接话道:“最根本的区别,在于监管问题！” „Who regulates?” “谁来监管？” „ Government, Central Bank, platform, enterprise, jointly regulation! “政府,央行,平台,企业,联合监管！ Naturally, the key point is, raises the threshold! 当然,重点是,提高门槛！ It is not each enterprise has this strength to build this platform, is not any enterprise can do. 不是每家企业都有这个实力去搭建这个平台的,也不是任何企业都能做的。 Raises the threshold, the key regulation, cannot the ignores, the government supervise, can effectively avoid some winds controlling the issue. ” 提高门槛,重点监管,不能放任,政府监督,可以有效避免一些风控问题。” Since had openly expressed that Li Dong did not fear said opens. 既然已经说开了,李东也不怕说的更开一点。 Folk gathering capital, that is illegal, but p2p is legitimate. 民间集资,那是非法的,而p2p是合法的。 However, p2p by black to become dog, the subject matter or the threshold is too low. 但是,p2p被黑成狗,主要问题还是门槛太低。 Is individual can do, no matter you are the person are the dog, so long as you built some platform people to believe, this has to say was the government and promotes enterprise taking a rash step of Internet financial industry. 是个人就能做,不管你是人是狗,你只要搭建了平台就有人相信,这点不得不说是政府和推动互联网金融产业的企业失策。 Has not completed the propaganda, has not completed to control, has not achieved the supervisory responsibility. 没有做好宣传,没有做好把控,也没有做到监管责任。 In this industry is emerging, achieves controls strictly, will not have in the future that situation. 如果在这个行业新兴之时,就做到严格把控,就不会出现日后那种情况。 If does the big scale propaganda work, only several enterprises can obtain this qualifications, will not make the p2p fraud be in flood. 如果做好大规模宣传工作,仅有几家企业能获得这个资格,也不会让p2p骗局泛滥。 Because has not completed these, makes the Internet financial system be seriously battered, a long time, the people only know that Alipay and Yu’e Bao, but does not know other Internet financial business. 正因为没有做好这些,才让互联网金融体系遭受重创,很长一段时间,众人只知道支付宝、余额宝,而不知道其他互联网金融业务。 If really regulated, will also present in the future at sixes and sevens fraud and usury changes to online from the line? 如果真的监管好了,还会出现日后乱七八糟的骗局以及高利贷从线下转到线上吗？ Also will present that bare loan video, matter that the university student is with one's family broken up and decimated? 还会出现那种裸贷视频,大学生家破人亡的事吗？ These, are the regulatory ineffective performance, really must attack strictly, will not present this matter. 这些,都是监管不力的表现,真要严格打击,不会出现这种事的。 This point, the government is responsible, but, promoting the giant enterprise that the Internet financial system leads the way is also responsible! 这一点,政府有责任,但是,推动互联网金融体系前行的巨头企业也有责任！ Ali, in fact also responsible. 阿里,实际上也是有责任的。 Perhaps some people will say, this and enterprise irrelevant, the enterprise is unable to regulate, cannot attend to others. 也许有人会说,这和企业无关,企业无法进行监管,也顾不上别人。 But in fact, to Ali's strength, conduct the intense suggestion with the government at that time, raises the threshold, these matters have greatly possibly avoid very much. 可实际上,以当时阿里的实力,和政府进行强烈建议,提高门槛,这些事是有很大可能避免的。 Li Dong takes one of the creators now, he cannot be shouldered this infamy by himself. 李东如今作为首创者之一,他不能让自己背负这个骂名。 Therefore intensifies the supervision, this is must, raises the threshold, even only makes oneself one enter the arena, that it would be the best. 所以加大监管力度,这是必须的,提高门槛,甚至只让自己一家进场,那就最好不过了。 At least relatively speaking, distant place also somewhat energy. 起码相对而言,远方这边还有几分底气。 The later generation, almost all Internet financial enterprises, do not have the entity to support, this is actually a very big drawback. 后世,几乎所有的互联网金融企业,都没有实体支撑,这其实是个很大的弊端。 In the event of the risk, their resistance is very weak, has the slightest sign of trouble slightly, taking off to travel that is the routine matter. 一旦出现风险,他们抵抗能力很弱,稍有风吹草动,卷铺盖跑路那是常事。 But is similar to distant place groups that has 100 billion entity scale industries do this matter, only if really had no way out, otherwise, brings money along to travel does not exist. 而类似于远方这种有千亿实体规模产业的集团来做这种事,除非真的无路可走了,要不然,携款跑路不存在。 Naturally, cannot say that absolutely does not have the risk. 当然,也不能说完全没风险。 But the risk is to always exist, the distant place can press lowly this risk. 可风险始终是存在的,远方将这个风险能压到最低。 Li Dong was saying supplemented said: „ The standard of threshold, best to have the industry support, the scale was unable is too small. 李东说着补充一句道:“门槛的标准,最好是有实业支撑,规模还不能太小。 Does not have the industry to support, once meets to be similar to the present financial crisis, the enterprise is very difficult to assure the fund safety. 没有实业支撑,一旦遇到类似于如今的金融危机,企业很难保证资金安全。 Naturally, this fund in fact cannot arrive at the enterprise account, this was the government regulates. 当然,这笔资金实际上也到不了企业自身账户,这就是政府监管了。 However, the threshold standard is high, I said that goal of industry support, actually does not fear the financial problem, is mainly feared that the enterprise has not limited, when the time comes is not controllable. 但是,门槛标准必须要高,我说实业支撑的目的,其实不是怕资金问题,主要是怕企业没有限制,到时候不可控。 Has the large-scale industry in this, runs cannot escape, like some enterprises, does not take several computers to make these, domestic overseas same does. ” 有大规模实业在这,跑都跑不了,不像有些企业,拿着几台电脑就能做这些,国内国外一样做。” The horse sunlight complexion is jet black, mmp, intentionally in view of father? 马昀脸色漆黑,mmp的,故意针对老子呢？ Is suppressing the impulsion of cursing at people, horse Yun frowns saying: „This is the Internet finance, according to your view, the Internet enterprise isn't instead able to participate? Did that also call the Internet finance?” 强忍着骂人的冲动,马昀蹙眉道:“这是互联网金融,按照你的说法,互联网企业反而无法参与了？那还叫互联网金融吗？” Li Dong shrugs saying: „ I suggested that did not certainly say. 李东耸耸肩道:“我只是建议,又不是说一定。 Naturally, the concept of industry also is not only these that you understand. 当然,实业的概念也不仅仅是你理解的那些。 Our Internet enterprise, big data center of construction, cloud computing center, Internet industry garden, headquarters building...... 我们互联网企业,筹建的大数据中心,云计算中心,互联网产业园,总部大厦…… These can actually regard as the network to have manifestation of present. 这些其实都可以看作网络具现化的体现。 Yourself must think that I in view of anyone, that was you are narrow-minded. 你自己非要认为我针对谁,那就是你自己小心眼了。 I aim, but these do not have this strength, actually disrupts the enterprise in market and individual. ” 我针对的,只是那些没有这个实力,却来扰乱市场的企业和个人。” The horse sunlight is speechless, the good lies to say to you, what can I also say? 马昀无语,好赖话都给你说了,我还能说什么？ Saw these two in the resentment, the people somewhat were helpless. 见这两人又怼上了,众人都有些无奈。 Minister stretch/open does not know whether to laugh or cry saying: „ Two, this has not started, you fought, how did this make Ministry of Industry feel relieved to promote? 张部长也哭笑不得道:“二位,这还没开始,你们自己就斗上了,这让工信部这边怎么放心推动？ Now at this time, needs to unite all strengths , to promote this industry...... ” 现在这时候,需要联合一切力量,去推动这项产业……” His voice falls, a Li Dong eyes bright say/way: „Minister, did you comply?” 他话音落下,李东眼睛一亮道:“部长,您答应了？” Minister stretch/open smiled saying with a smile: „ It is not the issue that complies with, concrete must look again. 张部长笑了笑道:“不是答应不答应的问题,具体的还要再看。 Naturally, my original intention did not oppose, the Internet industry can obtain the recent development, is our desires. 当然,我本意是不反对的,互联网产业能得到新的发展,也是我们所有人的愿望。 As for regulation that you said that threshold these issues, we need to make the preparation of long-term research. 至于你说的监管,门槛这些问题,我们都需要做长期研究的准备。 In brief, your suggestions, in I opinion, there is a feasibility. 总之,你们的建议,在我个人看来,还是有可行性的。 After I go back, will do some close investigations, hopes that several on the scene, can provide some detailed data reports to us, feasible specific plan measure. 我回去之后,会做一些详细调查,也希望在场的几位,能给我们提供一些详细的数据报告,可行的具体方案措施。 Appropriate time, I and come to relate the Central Bank and state affair / the relevant departments of institute, with does some detailed discussion work. 适当的时候,我和居中联系央行和国务/院的有关部门,和诸位做一些详细的讨论工作。 No matter is now feasible, the road must walk. ” 不管现在可不可行,路还是要走的。” Li Dong several people nod hastily, the directors of Internet Society also said with a smile: „ Such that just like the minister said that the road must walk, cannot give up eating for fear of choking. 李东几人连忙点头,互联网协会的理事长也笑道:“正如部长说的那样,路还是要走的,不能因噎废食。 Association, will make best effort, coordinates all. 协会这边,也会尽最大努力,协调一切。 This congress, in my opinion, is extremely successful. 这次大会,在我看来,是极其成功的。 Emerges a number of enterprises that have the social responsibilities, emerge a group of industry leaders who have the pioneering spirit. 涌现出一批具有社会责任感的企业,涌现出一批具有开创精神的行业领袖。 The development of Internet industry, cannot leave you, needs everyone to try hard together. 互联网行业的发展,离不开你们,也需要所有人共同努力。 No matter this road can walk, can succeed, I hope, on the scene, do not give up hoping, do not produce desperately to the future. 不管这条路能不能走出去,能不能成功,我都希望,在场的诸位,不要放弃希望,不要对未来产生绝望。 The society needs you...... ” 社会需要你们……” The director is a director, Li Dong several people that said worked as themselves the extraordinary personality quickly. 理事长就是理事长,说的李东几人都快把自己当伟人了。 However, the people actually understood her potential meaning. 然而,众人却是听懂了她潜在的意思。 This matter may not succeed, the possibility of failure is very big, making everyone therefore do not produce the hate and being deliberately bad. 这事不一定会成功,失败的可能性很大,让大家不要因此而产生怨恨和自暴自弃。 In fact does not need the director to remind, several people on the scene, who is not the tenacious temper. 实际上不用理事长提醒,在场的几人,谁不是坚韧不拔的性子。 A failure, could not represent anything. 一次失败,代表不了什么。 Now does not promote successfully, sooner or later matter. 现在推动不成功,迟早的事而已。 Sees somewhat pessimistically, Minister stretch/open who Director reckless said said with a smile: „ No matter how said, Ministry of Industry to will give the biggest support. 见胡理事长说的有些悲观,张部长笑道:“不管怎么说,工信部对诸位都会给予最大的支持。 Other I cannot guarantee, the openness of payment system, the standardization, next year, I will promote the government to legislate to set up the gauge at the latest. 别的我不敢保证,支付体系的开放化,正规化,最迟明年,我会推动政府立法立规。 This, is I can give biggest guarantee. ” 这,也是我能给予诸位最大的保证。” The people somewhat change countenance, just like Du Anmin is the same for Li Dong Platform, Minister stretch/open at this time, said this categorical words, that must pay the price. 众人有些动容,正如杜安民为李东站台一样,张部长在这时候,说出这种斩钉截铁的话,那也是要付出代价的。 Once the payment system cannot the regular legalization, the reputation of that minister thorough be been smelly. 一旦支付体系不能得到正规合法化,那张部长的名声就彻底臭了。 Generally, they will not speak the words fully. 一般情况下,他们这些人不会把话说满。 Today is under some impacts probably, perhaps Minister Zhang felt, if a progress does not have, is unfair to everyone enthusiastically and aspiration. 今天大概是受到了一些冲击,张部长自己也许都觉得,要是一点进展都没,也对不起大家的踊跃和抱负。 Therefore, this was leaving behind this guarantee finally. 所以,这才在最后留下了这个保证。 But Li Dong, the original intention of horse sunlight people, promotes the regular legalization of payment system, the present has achieved the goal. 而李东、马昀众人的初衷,也只是推动支付体系的正规合法化,现在算是已经达到了目标。 ...... …… The small conference ended, Minister stretch/open and Du Anmin several people first left. 小会议结束,张部长和杜安民几人先离开了。 Li Dong people sharply, several people had not been sitting a meeting in the conference room, horse Huateng disperses the smoke to the people, everyone pulled out together in a cloud of smoke. 李东众人没急着走,几人在会议室里坐了一会,马华腾给众人散烟,大家一起吞云吐雾地抽了起来。 Is pulling out, horse Huateng while is spitting the smoke rings say/way: Fierce that „ for these days suppressed, will meet next time, should allow to smoke is right. 一边抽着,马华腾一边吐着烟圈道:“这几天憋的厉害,下次开会,应该允许抽烟才对。 Meets to suppress each time, in the brain a little thing gave to disrupt. ” 每次开会都憋着,脑子里有点东西都给打乱了。” The small Brother Ma addiction for tobacco is very big, do Li Dong several people pull out good, he is nervous that one can not pull out suppresses. 小马哥烟瘾挺大的,李东几人抽不抽都行,他是一会不抽就憋的慌。 To the words of horse Huateng, the people are disinclined to meet the thread of conversation. 对马华腾的话,众人懒得接话茬。 Li Yan hong looked at Li Dongyi eyes, thinks saying: „ Li Dong, the idea of you and horse sunlight is good, but in my opinion, time actually also not mature. 李彦红看了李东一眼,想了想道:“李东,你和马昀的想法是好的,不过在我看来,时机其实还没成熟。 At this time, wants to fight with the traditional finance, our strength was more defective. 这时候,想和传统金融争锋,我们实力欠缺了一些。 In the middle of several enterprises on the scene, great strength also reaches 100 billion scales. 在场的几家企业当中,强大者也才堪堪达到千亿规模。 Promotes to be huger than hundred times of traditional financial arenas us at this mass, the difficulty can be imagined. ” 以这个体量推动比我们庞大百倍的传统金融领域,难度可想而知。” Li Dong said with a smile: „ This I was clear, I have not thought reaching one's goal instantly. 李东笑道:“这点我清楚,我也没想过一步到位。 Reason that raises these, to everyone a preparation. 之所以提这些,给大家一个准备罢了。 To say the least, we first set a big request, the traditional monopoly sector will definitely establish the obstruction. 退一步说,我们先提出一个大的要求,传统垄断行业肯定会设置阻挠。 At this time, we reduced our requests, they will feel oneself succeeded, gained, will relax to our limits, our some plans were also easier to be implemented. 这时候,我们缩小我们的要求,他们就会觉得自己成功了,赚了,会放松对我们的限制,我们的一些方案也更容易实施下去。 Otherwise, you thought that Minister stretch/open will be open with our guarantee pay domain at this time? 要不然,你觉得张部长会在这时候跟我们保证支付领域开放？ 10 million when we request, he has not given, we want 1 million again, that spoke to be many well. ” 当我们要求的1000万,他没有给,我们再要100万,那就好说话多了。” The people laugh in spite of trying not , the principle is this principle, horse Huateng said: „Is easy to arouse vigilance.” 众人失笑,理是这个理,马华腾还是道:“容易引起警惕。” „You did not say, they aren't vigilant?” “难道你不说,他们就不警惕了？” horse Huateng beckons with the hand saying: „ Does not struggle this, the matter that has not presented that said does not have the significance. 马华腾摆摆手道:“不争这个,没出现的事,说了没意义。 The topic stops temporarily, said other, everyone evening has the arrangement? 话题暂时打住,说说别的吧,大家晚上有安排吗？ If no, in the evening dines together. 没有的话,晚上一起聚个餐。 old Yu and willow eldest child have waited to gather together, yesterday wants to invite Li Dong actually, finally your day running does not have the shadow, tonight doesn't have the issue? ” 老俞和柳老大早就等着一起聚聚了,昨天倒是想请李东,结果你一天跑的没影,今晚没问题吧？” Li Dong knows that his is willow Chuanzhi these people, heard that happily chatted the nod saying: „ Does not have the issue, gathers together, so long as does not play the drunk, everyone good friend. 李东知道他的是柳川志这些人,闻言笑着点头道:“没问题,一起聚聚吧,只要不耍酒疯,大家还是好朋友。 Who plays the drunk to find fault intentionally, in the evening I fight with him, was short of one jin (0.5 kg) don't under table. ” 谁耍酒疯故意找茬,晚上我跟他斗到底,少了一斤别下桌。” horse Yundeng he was saying: „What do you look at me to make? Do I play the drunk?” 马昀瞪着他道:“你看我做什么？我耍酒疯吗？” horse Huateng and Li Yan hong are suppressing smiling, Li Dongheng said: „Who plays the drunk who was clear, we are not ripe, drinks on the resentment day resentment resentment air, the resentment my, is not finding fault is anything.” 马华腾和李彦红憋着笑,李东哼道:“谁耍酒疯谁清楚,咱俩又不熟,一喝酒就怼天怼地怼空气,连带着怼我一把,不是找茬是什么。” „Does not drink, drinks not to have the meaning with this fellow, Huateng, Yan is red, I first walked!” “不喝了,跟这家伙喝酒没意思,华腾,彦红,我先走了！” horse Yun becomes angry out of shame, throws down this saying to dodge the person. 马昀恼羞成怒,丢下这话就要闪人。 Li Dongchi said with a smile: „Speaking of must achieve, really do not run when the time comes.” 李东嗤笑道:“说到就要做到,可别到时候又真跑来了。” horse Yun gets angry, is disinclined to respond him. 马昀黑着脸,懒得搭理他。 horse Huateng and Li Yan hong followed to urge several, horse Yun then snort/hum said: „I look in everyone's share, otherwise......” 马华腾和李彦红跟着劝了几句,马昀这才哼道:“我是看在大家的份上,要不然……” „Otherwise do you prepare to select with me only?” “要不然你准备跟我单挑？” „Uncouthly!” “粗鲁！” The horse sunlight short of breath, Mudd, how runs into such crafty hooligan, hits and cannot be victorious, scolds and scolds, but, the liver of air/Qi hurts. 马昀气急,马德,怎么遇到这么个滚刀肉,打又打不过,骂又骂不过,气的肝疼。 Nearby horse Huateng and Li Yan could not stretch red quickly, drew two people to walk out hastily. 一旁的马华腾和李彦红都快绷不住了,连忙拉着两人往外走。 Does not walk, the nag was wild with rage, really begins, what to do was punched one by Li Dongbao. 再不走,老马被气疯了,真动起手来,被李东暴揍一顿怎么办。 Thinks of this, two people look at each other one, then cannot bear laugh in spite of trying not. 一想到这,两人对视一眼,接着就忍不住失笑。 The big shot before the bystander, that are serious and rigorous, but in secret, various at sixes and sevens situations have. 大佬们在外人面前,那都是严肃、严谨的,可私底下,各种乱七八糟的情况都有。 In any case is the character of same class . Moreover the Internet industry, crops up truly, 99% are the grassroots levels. 反正都是同一个阶层的人物,而且互联网行业,真正冒头的,90%九都是草根阶层。 Everyone has the common language, not because you will explode several swearings, was despised to disdain. 大家都有共同语言,不会因为你爆几句粗口,就被人鄙视不屑。 Sometimes, on some public occasions, these people said be used to it, or annoyed, the matter that opened the mouth to shout 'fuck your mom' was common. 有时候,在一些公开场合,这些人说习惯了,或者恼火了,开口骂娘的事都常见。 Four people on the scene, said strictly, Li Yan with horse Huateng fortunately, the words are not red many, in public places also compares the attention image. 在场的四人,严格说起来,李彦红和马华腾还好点,话不多,在公众场合也比较注意形象。 Li Dong and horse Yun are not good, because these two fellows the words are many, in public places explodes excessively thickly, for sometime is denounced a lot. 李东和马昀就不行,这俩家伙因为话多,在公众场合都爆过粗,有段时间没少被声讨。 ...... …… Beyond international conference center. 国际会议中心外。 Several people go separate ways, Li Dong boards, seems somewhat exhausted. 几人分道扬镳,李东上了车,显得有些疲惫。 Promotes a progress of industry, is not that easy matter, he and horse Yun actually have the pressure. 推动一个行业的进展,不是那么轻松的事,他和马昀其实都有压力。 After two people meeting, teased several, did for the reduced pressure. 两人会后调侃几句,也是为了减压才做的。 Even Internet Society director is so pessimistic, Minister stretch/open cannot guarantee, Du Anmin did not speak, obviously the matter compared with difficult that everyone imagined. 连互联网协会理事长都那么悲观,张部长也不敢保证,杜安民也不发话,可见事情比大家想象的更难。 Li Dong as the pioneer, the pressure is actually very big, but has not displayed. 李东作为首倡者,压力其实很大,只是没表现出来罢了。 However, matter must some people be done. 然而,事情总要有人去做。 Li Dong can actually wait, to wait for horse Yun to be this pioneer, when this vanguard, but he and others not. 李东其实可以等,等马昀当这个首倡者,当这个先锋者,可他等不了。 35 years, the thing of change were too many. 三五年,改变的东西太多了。 Arrived that time, something possibly was really different, seizes all opportunities, proceeds to push one step these, not in vain his rebirth. 真到了那时候,有些东西可能就不一样了,抓住一切机会,将这些往前推一步,也不枉他重生一回。 Were many 35 years of development time, perhaps all were different. 多了三五年的发展时间,也许一切都不同了。 Is thinking the matter at heart, Li Dong fell asleep on the vehicle blurry. 心里想着事,李东迷迷糊糊地在车上睡着了。 Until arrived at the hotel, Li Dongcai shouts in the white vegetarian neutral tone opens eyes. 直到到了酒店,李东才在白素的轻声呼喊中睁眼。 Long aspirates, Li Dongrou rubbed the cheeks, seeing him is somewhat exhausted, white Suxiao sound said: „Li, Wang Xin came, or makes him be late comes again?” 长长吐了口气,李东揉了揉脸颊,见他有些疲惫,白素小声道:“李总,王鑫又来了,要不让他晚点再过来吧？” „Does not use, makes cup of strong tea to me, I and he chatted several.” “不用,给我泡杯浓茶,我和他聊几句。” Heard Wang Xin to come, Li Dong spunked up forcefully, today the Internet congress ended, saw Wang Xin on the way, the fellow in province then on running did not have the shadow. 听到王鑫来了,李东强行打起精神,今天互联网大会结束,顺道见见王鑫,省的这家伙回头就跑的没影了。 Sees Li Dong to insist, white Su has not persuaded again. 见李东坚持,白素也没再劝说。 Looks back that Li Dong goes upstairs, white Su said in a soft voice: „Li always this/should rests to be right well.” 看着李东上楼的背影,白素轻声道:“李总是该好好休息一阵才对。” Only has the short distance, for a long time and Li Dong contacts, you understand, his success is hard-won. 只有近距离,长时间和李东接触,你才会明白,他的成功来之不易。 These months, Li Dong has never stopped the footsteps of leading the way, or for five years, Li Dong has never stopped the step. 这几个月的时间,李东从未停过前行的脚步,或者说,五年来,李东从未停止过步伐。 Tan Yong dry say/way: „Is this/should rest, actually even I felt exhaustedly.” 谭勇干巴巴道:“是该休息,其实连我都觉得疲惫了。” Two people look at each other one, then shakes the head, this matter said also spoke in vain. 两人对视一眼,接着便摇摇头,这事说了也白说。