93. Chapter 93 Innovation and violation of the law are only one step away

Author: Fan Yitong

Chapter 93 Innovation and violation of the law are only one step away

After a few greetings, Liao Wei introduced Jin Shang very carefully the first domestic online banking product that Industrial Credit Bank will soon develop.

A few minutes later, although his face was not visible, Jin Shang was very disappointed.

The so-called first domestic online banking product of Industrial Credit Bank only provides information services such as inquiries, complaints, appointments, and has no rich functions such as transactions, financial management, funds, and personal banking.

Even the threshold for personal online banking services is not low, and most netizens cannot meet the standards at all.

To put it bluntly, this so-called online banking is for enterprise-level customers to check account balances at any time, prevent internal surveillance from stealing, and track business flows at any time.

Transfer transactions, online payments, and connections between outlets, there is not even a shadow.

Not to mention the opening of online and offline channels, it is difficult for branches and branches between different provinces and cities to cooperate with each other to inquire.

There is no such concept at all, such as online banking U-shield, dynamic password, digital password, etc.

"Manager Liao, thank you for your explanation. We do need this online banking product. The services provided by your bank are pretty good, but it is still a bit far from what I want."

Although Jin Shang's words were very subtle, Liao Wei could still hear that the so-called online banking now cannot satisfy the other party.

"About innovation in the financial field, we are actually very cautious. What we can do is actually very limited. We can only do things within our powers. There is nothing we can do."

"You are so modest! You can already help a lot if you are like this!"

The Internet has just emerged for a while, and it is not realistic to expect banks to pay attention to it. Of course, it has come and you can still consult in person if you have some questions.

After saying a few complimentary and polite words, Jin Shang threw out the envisioned issue of feasibility of third-party payment.

After hearing this, Liao Wei asked a few more details, and after thinking for a while, he answered clearly:

"It is feasible in theory, but if you are not careful, you will touch the red line of illegal crimes..."

"I hope to hear it carefully!"

"The legal terms and practical operating rules in this regard are only a few. Only when the conditions are met at the same time can it be considered illegal fundraising..."

Liao Wei sorted it out for a while before he said slowly,

"There are four red lines in total: first, the funds are absorbed without the approval of relevant departments in accordance with the law or borrowed from legal business; second, public publicity is made to the public through media, promotion meetings, flyers, mobile phone text messages, etc.; again, the principal and interest repayment or return in currency, physical goods, equity, etc. within a certain period of time; finally, the funds are absorbed from the public and unspecified objects in society."

In an instant, Jin Shang understood the true meaning of Liao Wei's words in the industry insider.

Except for the third one, all the above four items are crossed.

There is no such thing as a third-party payment license at all, so naturally there is no approval from relevant departments, and it is obvious that legal business forms have been borrowed to absorb funds; the second article, let alone the foul, no one knows whether it is not publicly promoted to the public, and no one uses any third-party payment; the fourth article, there is no room for refutation, and if it does not absorb funds from the public and the unspecified objects in the society, it is impossible to carry out third-party payment business.

There is only the third one, as long as you keep your hands in check, there is room for operation.

Third-party payment itself does not promise anyone any form of interest or return, so strictly speaking, third-party payment is indeed not an illegal fundraising.

However, there is a blind spot here, which needs to be paid special attention. All money is opened in the bank, and even the account of a third-party payment company is escrowed by the bank. Since it is a bank account, there will be interest.

Once the amount of liquidity in the account fund pool is large enough, huge interest will be generated.

For example, if the daily transaction flow is 100 million yuan, and the average deposit is 15 days, that is, the average daily deposit of 1.5 billion yuan. If you do nothing every year, you will generate interest income of 10 or 20 million yuan. Who will this income be?

buyer?

Seller?

A third-party payment company?

bank?

Before there is no license and there are clear regulations, third-party payment platforms can only watch the deposited funds and interest, not move, and die as soon as they touch it.

Whether it is owned by oneself, or given to the buyer, seller or bank, it will touch the red line of unjust enrichment, transfer of interests, or even illegal fundraising, and will be in jail.

As for the current conditions, doing third-party payment is to hold a hot potato, which cannot be held or thrown away, and no one can take it.

After a little weighing, Jin Shang understood that this is not a field that today's Toyosu culture can enter. Before the annual revenue is less than one billion, don't make any third-party payment. It is another matter whether it is legal or not. There will be no bank that can be used to open a business line and payment channel for this small amount of money at all.

At least for three years, there is no basis for third-party payment, and even the bank itself has not opened up online transfer channels. Don’t think about anything else.

Of course, the idea of ​​doing third-party payment does not mean that remote transactions are not valid.

Online banking has opened an online query channel, which means that as long as Toyosu Culture opens a collection account at Industrial Credit Bank, it can query remittance information from all over the country in real time.

Netizens can directly transfer money to Toyxi Culture in the name of advance payment, and then the company opens a member account for individuals. This is the same as the marketing routine of offline physical stores. It is charged 1,000 and get 200 yuan, limited-time discount permissions, etc. It is completely legal and compliant. As long as the boss’s money does not abscond, there will be no legal risks.

Offline payment, online collection, and in the form of member recharge cards, let netizens consume online. This is the only feasible solution now.

If you do not discuss the difficult issue of third-party payment, Liao Wei is still willing to provide Jin Shang's company with services such as remote membership card recharge cards.

There is no legal risk, broadening business channels, catering to the above requirements of innovation and creativity, and facilitating business operations. Although the business volume may be a little smaller, the size is one of the highlights that can be written into the report.

After nearly two hours of discussion, the two sides reached an agreement on the cooperation framework. The rest was to let the company's finance department connect with the banking salesperson.

They had a great time and after leaving each other's contact information, Liao Wei politely declined the banquet between the father and son on the grounds that there was still a customer who wanted to receive it, and then left.

Jin Shang immediately called Li Xuan.

"Hey, it's me!"

"I told you the day before yesterday that the concert preview can be sent out. Go and find Liu Yanqing and ask him to release the completed voting statistics section to see how many people are willing to book tickets online."

"Yes, yes, I agreed that within a week, there will be a remote payment channel. Although it is a lot of trouble with what I imagined, at least the path is smooth."

"There are still soccer tickets for the second half of the season, so you can also hang them up. Let's talk to Manager Yan Jinyan, you've seen it..."

"Shop shopping coupons and limited-time consumption discount permissions can be sold online. Third-party advertisements are not accepted for the time being. We do not have the energy to check other people's business qualifications and service quality. Especially when eating what is in your stomach, be cautious. Now, it is not the time..."

"Someone has made your wholesale cultural shirts? Why don't you sell them? In this way, the garment factory has the qualifications to be picky and choose? Let the garment factory and Party A agree on the specific price and delivery method."

"Guarantee Liability? There is a ghost guarantee liability. At present, we are just an intermediary, a broker, and don't charge money. Just contact us, no matter whether the business is successful or not, don't take over the extra business just because it is my father's business. Leave the extra work to professionals to worry about."

"You go and do it, I'll go back to the company later."

After hanging up the phone, Jin Shi, who sent Manager Liao Wei away, came back, sat opposite Jin Shang, and said with some gratitude:

"I'm afraid you can't recognize the situation and are all focused on building a third-party payment platform. That thing is a disguised bank. After it grows bigger, it will be integrated and you can completely leave the bank alone. Others don't know that you are digging into the foundation of the bank, but instinctively rejecting the non-compliant business model."

"Now the scale is too small and the strength is insufficient, so I can't negotiate with banks in a reciprocal way. Let's talk about it for a few years."

Jin Shang responded very wisely,

"What's going on with this Manager Liao? It seems to be a little arrogant, and the backstage is very tough?"

"It's not particularly tough, but it's very appreciated. In addition to the top-down wave of cadres' youth, he... caught up with a good time."

"Understood."

There may be a bright future in the future, so it will be no harm if you know it in advance.

Nowadays, the industries under the Jin family’s father and son are basically family-style workshops. If you want to grow bigger, you must go through market-oriented transformation, or even capital operation, and publicly issue stocks.

In this way, dealing with banks is also important. In the future, Toyosu Culture will try to introduce a series of strategic investors.

For example, if the operation of instant messaging software is not released by the telecommunications department, it will be enough to be sore and cool if you can get stuck here or there. There will be third-party payment platforms that will sooner or later, and it will be impossible to do it without the endorsement of a large state-owned bank or the sufficient capital party to share the pressure.

After the business matters were discussed, my father Jin Shi talked about some private matters.

"You... showed your performance on TV last night, too sharp, it's hard to be a good person..."

"I know!"

Jin Shang replied clearly,

"Where is outstanding in the forest, the wind will destroy it; if it piles out of the shore, the current will rush it; if it moves higher than others, the people will criticize it. If it is too different, no matter whether it is excellent or poor, it will be said to others."

"Then you still..."

“I need hot topics.”

Jin Shang interrupted Jin Shi's worried admonition with a smile, and said to himself,

"A little bit of rumors does not matter as long as they do not affect my work and life. If I need to maintain the personality of young people's opinion leader, someone must pay attention, examine or even criticize. Being a little too arrogant or even arrogant is not a bad thing. As long as I cannot deny me on the legal and moral level, a small number of people say a few sour words is actually a good thing. Even money cannot be loved by everyone. I, an ordinary 'youth talent', have some flaws in dealing with people, but it seems a little more real."

Think about the popular "academic masters" and "talented men" that were promoted at the official level in the past, they have become stepping stones for people like Lu Liao, disappearing into the crowd without any turmoil.

Young people today actually don’t like those so-called life winners who are arrogant and have no sense of reality.

People like Jin Shang who have both excellent abilities and grades and have a lot of innocence and small shortcomings, and who speak a little big-mouthed are more likely to be accepted.

"You always think too much."

"It's not that I'm too careful, but that I'm just pushing myself to others. If I can't find too many characteristics similar to me in a person, I will never stand aside with him. At least, I have to convince the majority of young netizens that I really reached the current level by working hard, and that they have the illusion that if I gritted my teeth, I might be able to do it too."

Do you really think that being a person is a time traveler, and starting point is much higher than others is not talented?

Having the wisdom of the past life is also considered a genius, but it is different from the type that has mutated genes and has an extremely developed brain or body.

"You, I made up my mind and no one can persuade you."

After Kim Shi sighed slightly, he stopped nagging.

"You haven't been back to live for many days. Are you outside now?"

"Well! Live with your girlfriend and move over when the house is renovated."
To be continued...