Chapter 496 Self-built payment system, put on the agenda
When Li Yang asked about the payment system, Ye Li and others had obviously thought of it in advance, made preparations in advance, and handed Li Yang a piece of information.
"At that time, Shengshi.com did not open its own payment system because of the relationship between foreign investment and the fact that the domestic financial field was not completely open to the private sector. However, according to Brother Song's estimation, with the booming development of the Internet, there will be more domestic problems in this area.
With gradual liberalization, payment licenses will most likely be issued, so it is very necessary to occupy the first echelon." Ye Li smiled.
At this time, Song Tianhe took a sip of tea.
"The heat is almost there now. Because of the impending impact of the financial crisis and the fact that the development of the Internet in China over the past few years has surpassed that of foreign countries, the country will definitely find a way to promote this online power, and then connect it with the online
The stimulation of the next 10 trillion real funds will combine to create a powerful force to reverse the impact of the financial crisis on the country and maintain the current increase in economic development. The higher authorities hope that this time they can go against the odds and win.
When the national economy is stagnating or even regressing, our country can go further and accelerate the narrowing of the gap with developed countries." Song Tianhe spoke in great detail.
"Is it technically difficult?" Li Yang nodded.
"With Brother Song here, it won't be difficult. The main thing is to negotiate the bank port and open the port to connect with us. Now the payment license has not started to be issued. In the early stage, the country will definitely not allow a large amount of funds to be deposited in the online mall.
It will cause unnecessary impact on personal accounts. After all, it involves financial matters such as returns, and the amount is still very large. Therefore, the current payment system is mostly left to third-party banks. Even if the payment restrictions are relaxed, it will still be in the initial stage.
It needs to be linked to the bank. I estimate that in the early stage, the payment system will be linked to the bank. In the middle and later stages, the country will relax the involvement of private banks. Then the money can be put into your own account. In the later stage, you can do some appropriate financial services.
It's also possible, this is the trend in foreign countries now," Ye Li said.
"The other thing is to install a large server to buffer data and build a larger firewall to ensure the safety of funds and speed up the transformation of funds." Ye Li smiled, and then said: "Others build payment systems and spend a few dollars.
100 million, most of the funds are the salaries of technical staff, and most of your money is on the server, which can also be used for the expansion of the mall later."
"When Da Qingshan becomes really rich, your benefits will definitely be indispensable." Li Yang smiled awkwardly.
Ye Li chuckled, and Cao Sheng and Xu Kai also smiled knowingly.
"We'll see then." Song Tianhe smiled. The stall was so big that outsiders must have thought that Daqingshan was rich. Only they knew that the man at the helm in front of them was really poor.
Li Yang was really embarrassed by their expressions.
Song Yue suppressed her laughter and said nothing. She was murmuring in her heart. She was probably richer than him, so she should give him some money to buy a server.
"Then let's do it like this first. After the copywriting of daily necessities is completed, you can upload it, and then import 60% of the data from Shengshi.com. Uncle Song, when you are free, just do it directly. I will go to one now.
I went to Xichuan Province and solved the bank port of the payment system," Li Yang said.
"Are you sure the port is located in Xichuan Province?" Ye Li frowned slightly, obviously not optimistic about the economic development of Xichuan Province.
"Actually, Xichuan Province is quite good. When you get rich, you don't forget your roots. What's more, it's just a port. As long as the banking system is perfect, it doesn't matter where you put it." Song Tianhe said.
Ye Li nodded and said no more. She was wondering in her heart, how could it be the same? According to the capital scale of Daqingshan, banks in ordinary poor provinces would definitely not be able to do it. With a capital impact of more than one billion in a panic buying event, they might be destroyed.
Yes, it definitely requires a lot of talent.
Li Yang naturally knows the benefits of big banks, but he thinks that the current banking system should not be a big problem.
After leaving the technical department, Li Yang made some explanations and took the car back to Xichuan Province.
Over there, after Mr. Hou arranged the daily necessities photography and copywriting work, when he returned to the technical department, he found that Li Yang had left. He was disappointed in his heart and planned to give him a good introduction to the payment system.
"Mr. Hou, come here, let's discuss something." Song Yue suddenly greeted Mr. Hou and went directly to her office after waving.
Mr. Hou was startled, but then walked over.
"Mr. Hou, please close the door." Song Yue whispered.
"There's no need to close the door." Mr. Hou smiled awkwardly. He didn't dare to close the door. The woman in front of him was just one of Song Tianhe's daughters, but all fools knew that Song Tianhe had always wanted Mr. Li to be his son-in-law. At this point,
It’s not good for anyone to hear it.
"Whatever you want, close the door and tell you about the payment system." When Song Yue saw the shy expression on the other party's face, she immediately understood something, and her pretty face suddenly turned red with embarrassment.
"Okay, okay." As soon as Mr. Hou heard about the payment system, he forgot everything and hurriedly closed the door.
"You don't have to go to Mr. Cheng to ask for the money to purchase the server. I will advance the payment first. Then I will tell Mr. Cheng that externally you will say that it is the money allocated by Daqingshan Finance. You can use the bank card directly without a password.
"Song Yue then took out a card, put it on the table, and asked Mr. Hou to purchase a server.
"Purchasing a server costs several hundred million." Mr. Hou did not forget to remind him that this is not a small amount of money.
"I know, you can use it, just a little more." Song Yue nodded.
"Mr. Song is such a good man. Mr. Li is so lucky." Mr. Hou gave a thumbs up. Just for this point, he is a good man. Not only did he bring his own father over to strengthen Daqingshan's technical department, but he also provided extra personal money.
"Don't talk nonsense, I'm just...just." Song Yue's face turned red with embarrassment. After all, she was older than Li Yang and had been divorced. Being said like this in front of outsiders, she was so embarrassed that she didn't know how to explain it.
"I understand, I understand, don't worry, I won't tell anyone, but what if Mr. Cheng and Mr. Li ask?" Mr. Hou said hurriedly.
"If you ask, I will bear the responsibility. You should go purchase the server as soon as possible." Song Yue immediately expressed her position.
"Okay, I'll take care of it right away. I'll bother you with the things here first." After Mr. Hou said that, he took the card and walked quickly outside.
Over there, Li Yang arrived in Xichuan Province at around one o'clock in the afternoon and went directly to the Qingshan Municipal Party Committee Building.
Then we arrived at Ma Sihai’s office.
When Ma Sihai saw that Li Yang was coming, he immediately stood up and waved to the leaders who were talking to leave first.
"Good thing?" When no one was around, Ma Sihai's eyes lit up and he looked at Li Yang.
"It's a good thing. By the way, Brother Ma, is there still food in the cafeteria? Just keep it simple." Li Yang looked helpless. He had caught himself addicted to woolen wool. It was really the person who used to woolen wool at this moment.
But myself.
"You have whatever you want, and you have to have it if you don't have it. Come on, let's talk while eating, and I'll eat and drink with you." Ma Sihai chuckled. Normally, you can't drink at noon, but this is to accompany Qingshan.
For the city's large enterprises, for the sake of Qingshan City's economic development, drinking is not considered a violation.
"Let's forget about drinking." Li Yang chuckled, really worried that he didn't have the ability to take over this stall and had to go to the provincial capital of Xichuan Province to meet Zhao Shushan.
"If you want to drink, you must drink." Ma Sihai thought that Li Yang was just saying polite things, and that he was instructing the canteen to prepare meals as he walked.
When we arrived at the municipal party committee canteen, there was a special box there. When we arrived, four dishes and one soup, which were simple but looked good, were already on the table.
"Brother Li, you made a lot of noise in Da Qingshan last night. I paid close attention to the whole process. This morning, I specially held a joint meeting of major enterprises in Qingshan City. The name and theme of the meeting was to learn everything from Da Qingshan." Ma Sihai said.
He said with a serious face.
"Brother Ma, don't go too far, it's almost enough. We are not outsiders." Li Yang was a little embarrassed. He said this, but he made it harder for him to say no.
"Really, I have organized well-known enterprises in the city, and everyone in the municipal party committee knows about this." Ma Sihai said seriously.
"Mr. Li, what Secretary Ma said is true." The secretary on the side came in with a bottle of wine and added.
"It doesn't matter what you say. Go and call the people in the kitchen to come over. I said everyone, big and small, knows, so they all know." After Ma Sihai finished speaking, he gave the order.
"Okay." The secretary nodded and pretended to shout.
"Brother Ma, I believe it. Don't call the chef over. Don't scare the other party." Li Yang smiled helplessly and called the chef over while eating. They thought he had eaten the leader's stomach.
"Haha, that's right. I, Ma Sihai, am the most trustworthy in what I say and do." Ma Sihai waved his hand and then asked the secretary to go out and close the door.
Over there, Ma Sihai picked up the wine and asked to open it himself.
"Brother Ma, don't rush to drink. Let's chat first. If you think it's okay, we can drink again." Li Yang said.
"Okay, let's talk about what it is." Ma Sihai nodded, and then did not forget to add: "The plane matter has already gone through the procedures, and we will wait for the airport to pass the acceptance. If it's quick, the next one will
It will be in place within a month.”
Li Yang nodded and took a few bites of the food.
"Brother Ma, Daqingshan Online Mall has now expanded its capacity and is preparing to build its own payment system. It needs to be connected with the bank. This matter..." Li Yang has not finished speaking.
"We have the City Development Bank, and President Huang is still an old acquaintance of yours." Ma Sihai said hurriedly.
"Brother Ma, if you think it's okay, of course I'll give you priority, but there are two big risks involved. Please listen to me first." Li Yang said.
"Tell me about it?" Ma Sihai nodded when he heard that there was still a big risk.
"The first risk is the policy risk. There is currently no open private payment system. If we do, we will need to bear certain risks. The second risk is the bank's own system capacity. Based on the current scale of Da Qingshan,
Once it catches up with the event day, the daily capital flow is likely to be more than a billion, which is very small. Whether the bank can divert and redeem these funds in an instant depends on its own sufficient software and hardware strength." Li Yang
Seriously.
"It's not allowed by the policy, how dare you all do it?" Ma Sihai was shocked. This was a crime committed against the odds. As for whether the payment system was open to the private sector, he didn't know the details. He thought Li Yang dared to do it because
The policy has already allowed it.
"Shopping malls are like this. Everyone is doing it. If you don't do it, it's easy to fall behind, and you should be a little relaxed after hearing the news. No matter whether it can be done or not, you must make preparations in advance." Li Yang said.
"I'll call President Huang to come over. He still needs to talk about the soft and hard strength of the City Development Bank." Ma Sihai mused. Policy risks need to be considered, but once the policies are loosened, what will happen?
The benefits are undoubtedly great.
Although Ma Sihai was in a state of confusion, he was always bold and decided to give it a go.
Over there, Ma Sihai called the secretary and asked him to notify President Huang to come.
About twenty minutes later, Li Yang had just finished eating, and President Huang also arrived.
"Secretary Ma, Mr. Li." President Huang said respectfully. When he saw Li Yang again, he felt a little sad. In just a few months, Daqingshan had developed so much that it really made him unattainable.
"President Huang has such a good thing now, please come and advise me." Ma Sihai said seriously, motioning for him to sit down too.
"Secretary Ma, please tell me." President Huang sat down and said seriously.
"Daqingshan Online Mall needs to build a payment system. One is a policy issue, and the other is whether our urban development bank can meet the capital impact of more than one billion in a single day." Ma Sihai said.
"There are some rumors about the construction of the private payment system, but there is no specific policy yet." President Huang whispered, these two are really brave, but he is only the executor of this kind of thing, so just tell the truth.
, and then mused: "The payment system needs to be connected to the bank port in the initial stage to facilitate the processing of accumulated funds and provide fund security guarantees. Banks that can open such ports are generally big banks. The head office in the provincial capital of Xichuan Province should be able to do it. Let's
This bank's online business has limited business volume, so I'm afraid it won't work."
"Can you invest money in it and upgrade it?" Ma Sihai frowned.
“Investing money also requires technical accumulation. Once the technology is not in place and funds are delayed on event days, it will be a big trouble. After all, once event days and rush days are involved, small and multiple payments are made, ranging from tens of millions to tens of millions.
This order requires a large server, and there are too many areas that need to be modified. If it is not processed in time, bad debts occur, the funds cannot be recovered, and our bank will lose everything by then, it will not be enough." President Huang was embarrassed.
He said, he also wants to do it, but only if someone dares to tell him the truth.
"You can't even spend money?" Ma Sihai was a little reluctant.
"You...give me 500 million, a month is enough, if you give me 1 billion, I'll get it done for you in half a month, and if something goes wrong, don't blame me." President Huang saw Ma Sihai determined to do it, and bit him.
He gritted his teeth and said.
Ma Sihai glared at him dissatisfied and waved his hand. It sounded like the risk was indeed too great.
Manager Huang smiled awkwardly and left in a hurry.
"Brother Ma, after all, this kind of thing is risky, and it may be thankless." Li Yang sighed softly. I'm afraid it won't be possible to leave this matter to Ma Sihai. Then there will be trouble on both sides, which will also be troublesome.
"Okay, I'll accompany you to see Governor Zhao." Ma Sihai looked helpless.
"Let's go then." Li Yang nodded. He had also eaten. He wanted to take some time to get there before Zhao Shushan got off work.