Chapter 575: Bank version of Alipay
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Chapter 575 Bank version of a certain Alipay
Can traditional banks play Internet finance? One thing for sure, yes!
But why traditional banks didn’t play Internet finance well? For a long time, banks were even in a state of opposition to Internet finance.
This is not difficult to understand.
To give a very simple example, a team has been winning games. At this time, the sudden change of head coach will give people a feeling that the team is crazy?
Banks too!
For a long time, it goes without saying how profitable Huaguo's banking industry is; if a bank's annual net profit does not reach tens of billions, it would be embarrassing to call itself a national bank.
Earning tens of billions a year, this ability to make money is too scary.
Anyway, it is rare for a manufacturing company to reach such a level; as a manufacturing company, if it can earn billions a year, it is already considered a veteran, and it is definitely a top-ranking manufacturing company in China.
Banks make money doing traditional business like this. At this time, let them engage in Internet finance, and normal people will not make decisions like this; unless it is a lunatic.
And lunatics are often called geniuses.
Internet finance is very profitable. After seeing it, various banks also entered the market one after another.
But there are already many predators in this market. As a latecomer to the market, it becomes difficult to seize the market again.
It’s too early to talk about Internet finance now!
Han Songlin just wants to do one thing now, let People's Bank plug in the wings of technology.
"If the People's Bank of China wants to acquire customers, it must provide customers with a better user experience. For example, transfer money, transfer money with peers, it is unrealistic to talk about instant transfers, and we can't achieve it technically. However, we The future pursuit is definitely to realize the transfer of peers to the account within seconds."
Han Songlin: "It doesn't matter if it can't be realized now. We can take our time and set a goal first, transfer money between peers, and the account will arrive in ten minutes. Is this okay? Ten minutes now, we will do it in a year." Five minutes, three minutes, and finally reach the account in seconds."
“The Internet is the future, and banks must actively use computer technology and Internet technology to better serve our customers. Only by putting customers first, can banks acquire more customers.”
Dong Wenbiao listened carefully to Han Songlin's words. Han Songlin once said that he would not interfere with the management of the People's Bank of China, but if he really thought that the management could do what he wanted, he would be wrong.
Once it is said that the bank has not met the requirements of Xinghai Group in terms of development, it will become inevitable to replace the management.
For example, the change of the president of the People's Bank of China this time will be a matter of a few days, and it will be changed directly.
Dong Wenbiao didn't want to be replaced. The platform of People's Bank is really too important to him; there are only so many banks in Huaguo. If he can't realize his ambition in People's Bank, then he will no longer have a chance .
Mi Yi put a fruit into his mouth, and while listening to Han Songlin's words, he understood why Han Songlin called him over.
If you build a system for a bank, is it expected that the software will work?
In the past, Mi Yi really didn't think about it, but suddenly he felt his eyes were opened.
In terms of software development, is there any company in China that is stronger than Wangwang Software?
Not bragging, really not.
Many companies come to HopeSoft to poach people, but it is not so easy to poach people from Hopesoft.
First of all, in terms of wages, it has to hit a lot of companies.
"Does the Internet bank know?"
Dong Wenbiao nodded seriously. He naturally knows about online banking and its development potential.
"Internet banking must be paid attention to. People's Bank should focus on the development of this area. There are very few online banking businesses now, but the business can be cultivated. After enjoying the convenience of online banking, I don't think anyone will refuse. use."
As for the security of online banking? This should be the most basic thing.
"The bank can also produce some wealth management products. You can discuss this with Tang Yan in detail."
Dong Wenbiao looked at Tang Yan and nodded seriously.
"The development of online banking, as well as the development of the entire banking system, can cooperate with Wangwangsoft. In terms of software technology, Wangwangsoft can be said to be the strongest in China."
Mi Yi said very modestly: "Don't dare to be the strongest in the country, the top three, just the top three!"
Han Songlin didn't care about Miyi's top three in Versailles, he kept thinking about what business the bank had.
"By the way, the People's Bank of China should also pay more attention to personal financial services, such as personal loans to buy houses and cars."
Now granting housing loans to individuals is a kind of loan without any risk.
Yes, for banks, it is a risk-free business.
"That's all I can think of. The development of the bank's business and the management of the bank will have to work hard for President Dong in the future!"
Dong Wenbiao smiled and said: "It should be!"
"Oh, that's right! At the next board meeting, Xinghai Group will propose that 10% of the bank's net profit be distributed to all staff as a year-end bonus."
Dong Wenbiao was a little stunned when he heard this; before, he had studied the management model of Xinghai Group, so he naturally knew that Xinghai Group would give out 10% of its profits as a year-end bonus.
% of the net profit, the net profit of the People's Bank of China has increased significantly this year.
Since Han Songlin said so, it is obvious that the Xinghai Group has already dealt with the other members of the board of directors.
With 10% of the net profit as the year-end bonus, these employees will naturally work hard.
Next, Han Songlin was not talking, but listening to Tang Yan and Dong Wenbiao talking about financial products.
Concerning the expectation of People's Bank, Han Songlin wants to come up with a bank version of electronic payment software.
Ali can do it, Penguin can do it, and the People's Bank can do it; anyway, as a private bank, the People's Bank has made some innovations in finance, and it is not surprising.
In people's minds, private enterprises have always been more capable of innovation.
Tang Yan hopes that the People's Bank of China can open a branch in Xiangjiang.
Regarding this, Dong Wenbiao did not dare to say a direct answer. After all, People's Bank wants to open a branch in Xiangjiang, which is not as simple as opening branches in other places in China.
Tang Yan said that Xiangjiang will be handled by her.
There is no need to say much about the influence THC investment has in Xiangjiang.
After seeing off Dong Wenbiao and Mi Yi, Han Songlin looked at Tang Yan. Tang Yan, who had returned to school, was more student-oriented in her attire.
There is really a kind of meaning of seeing all the prosperity in the world and being able to stick to your heart.
"To be honest, I really didn't expect that you could continue to go back to school and study honestly!"
Tang Yan took Han Songlin's arm and leaned on his shoulder.
For more than a year, she was also very tired.
Funds flow in the financial market, and every mistake represents the loss of a large amount of money.
The whole person is in a state of highly concentrated energy. After a long time, people want to vent.
"Hmph, learning is my mission, not like some people who don't know how to learn!"
Han Songlin: "Who is ignorant?"
"Just say someone!"
"You want to find a fight, don't you?"
Tang Yan didn't give Han Songlin a chance at all, she just got up and left: "I'm going to cook first!"
Han Songlin stopped Tang Yan: "Don't do it, let's go out to eat tonight."
"Go out to eat?" Tang Yan expressed doubts, this is fine, why go out to eat?
"Liu Yang called over to eat!"
Tang Yan suddenly said: "It's like this!"
(end of this chapter)
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Chapter 575 Bank version of a certain Alipay
Can traditional banks play Internet finance? One thing for sure, yes!
But why traditional banks didn’t play Internet finance well? For a long time, banks were even in a state of opposition to Internet finance.
This is not difficult to understand.
To give a very simple example, a team has been winning games. At this time, the sudden change of head coach will give people a feeling that the team is crazy?
Banks too!
For a long time, it goes without saying how profitable Huaguo's banking industry is; if a bank's annual net profit does not reach tens of billions, it would be embarrassing to call itself a national bank.
Earning tens of billions a year, this ability to make money is too scary.
Anyway, it is rare for a manufacturing company to reach such a level; as a manufacturing company, if it can earn billions a year, it is already considered a veteran, and it is definitely a top-ranking manufacturing company in China.
Banks make money doing traditional business like this. At this time, let them engage in Internet finance, and normal people will not make decisions like this; unless it is a lunatic.
And lunatics are often called geniuses.
Internet finance is very profitable. After seeing it, various banks also entered the market one after another.
But there are already many predators in this market. As a latecomer to the market, it becomes difficult to seize the market again.
It’s too early to talk about Internet finance now!
Han Songlin just wants to do one thing now, let People's Bank plug in the wings of technology.
"If the People's Bank of China wants to acquire customers, it must provide customers with a better user experience. For example, transfer money, transfer money with peers, it is unrealistic to talk about instant transfers, and we can't achieve it technically. However, we The future pursuit is definitely to realize the transfer of peers to the account within seconds."
Han Songlin: "It doesn't matter if it can't be realized now. We can take our time and set a goal first, transfer money between peers, and the account will arrive in ten minutes. Is this okay? Ten minutes now, we will do it in a year." Five minutes, three minutes, and finally reach the account in seconds."
“The Internet is the future, and banks must actively use computer technology and Internet technology to better serve our customers. Only by putting customers first, can banks acquire more customers.”
Dong Wenbiao listened carefully to Han Songlin's words. Han Songlin once said that he would not interfere with the management of the People's Bank of China, but if he really thought that the management could do what he wanted, he would be wrong.
Once it is said that the bank has not met the requirements of Xinghai Group in terms of development, it will become inevitable to replace the management.
For example, the change of the president of the People's Bank of China this time will be a matter of a few days, and it will be changed directly.
Dong Wenbiao didn't want to be replaced. The platform of People's Bank is really too important to him; there are only so many banks in Huaguo. If he can't realize his ambition in People's Bank, then he will no longer have a chance .
Mi Yi put a fruit into his mouth, and while listening to Han Songlin's words, he understood why Han Songlin called him over.
If you build a system for a bank, is it expected that the software will work?
In the past, Mi Yi really didn't think about it, but suddenly he felt his eyes were opened.
In terms of software development, is there any company in China that is stronger than Wangwang Software?
Not bragging, really not.
Many companies come to HopeSoft to poach people, but it is not so easy to poach people from Hopesoft.
First of all, in terms of wages, it has to hit a lot of companies.
"Does the Internet bank know?"
Dong Wenbiao nodded seriously. He naturally knows about online banking and its development potential.
"Internet banking must be paid attention to. People's Bank should focus on the development of this area. There are very few online banking businesses now, but the business can be cultivated. After enjoying the convenience of online banking, I don't think anyone will refuse. use."
As for the security of online banking? This should be the most basic thing.
"The bank can also produce some wealth management products. You can discuss this with Tang Yan in detail."
Dong Wenbiao looked at Tang Yan and nodded seriously.
"The development of online banking, as well as the development of the entire banking system, can cooperate with Wangwangsoft. In terms of software technology, Wangwangsoft can be said to be the strongest in China."
Mi Yi said very modestly: "Don't dare to be the strongest in the country, the top three, just the top three!"
Han Songlin didn't care about Miyi's top three in Versailles, he kept thinking about what business the bank had.
"By the way, the People's Bank of China should also pay more attention to personal financial services, such as personal loans to buy houses and cars."
Now granting housing loans to individuals is a kind of loan without any risk.
Yes, for banks, it is a risk-free business.
"That's all I can think of. The development of the bank's business and the management of the bank will have to work hard for President Dong in the future!"
Dong Wenbiao smiled and said: "It should be!"
"Oh, that's right! At the next board meeting, Xinghai Group will propose that 10% of the bank's net profit be distributed to all staff as a year-end bonus."
Dong Wenbiao was a little stunned when he heard this; before, he had studied the management model of Xinghai Group, so he naturally knew that Xinghai Group would give out 10% of its profits as a year-end bonus.
% of the net profit, the net profit of the People's Bank of China has increased significantly this year.
Since Han Songlin said so, it is obvious that the Xinghai Group has already dealt with the other members of the board of directors.
With 10% of the net profit as the year-end bonus, these employees will naturally work hard.
Next, Han Songlin was not talking, but listening to Tang Yan and Dong Wenbiao talking about financial products.
Concerning the expectation of People's Bank, Han Songlin wants to come up with a bank version of electronic payment software.
Ali can do it, Penguin can do it, and the People's Bank can do it; anyway, as a private bank, the People's Bank has made some innovations in finance, and it is not surprising.
In people's minds, private enterprises have always been more capable of innovation.
Tang Yan hopes that the People's Bank of China can open a branch in Xiangjiang.
Regarding this, Dong Wenbiao did not dare to say a direct answer. After all, People's Bank wants to open a branch in Xiangjiang, which is not as simple as opening branches in other places in China.
Tang Yan said that Xiangjiang will be handled by her.
There is no need to say much about the influence THC investment has in Xiangjiang.
After seeing off Dong Wenbiao and Mi Yi, Han Songlin looked at Tang Yan. Tang Yan, who had returned to school, was more student-oriented in her attire.
There is really a kind of meaning of seeing all the prosperity in the world and being able to stick to your heart.
"To be honest, I really didn't expect that you could continue to go back to school and study honestly!"
Tang Yan took Han Songlin's arm and leaned on his shoulder.
For more than a year, she was also very tired.
Funds flow in the financial market, and every mistake represents the loss of a large amount of money.
The whole person is in a state of highly concentrated energy. After a long time, people want to vent.
"Hmph, learning is my mission, not like some people who don't know how to learn!"
Han Songlin: "Who is ignorant?"
"Just say someone!"
"You want to find a fight, don't you?"
Tang Yan didn't give Han Songlin a chance at all, she just got up and left: "I'm going to cook first!"
Han Songlin stopped Tang Yan: "Don't do it, let's go out to eat tonight."
"Go out to eat?" Tang Yan expressed doubts, this is fine, why go out to eat?
"Liu Yang called over to eat!"
Tang Yan suddenly said: "It's like this!"
(end of this chapter)
Chapter 575 Bank version of a certain AlipayCan traditional banks play Internet finance? One thing for sure, yes!But why traditional banks didn't play Internet finance well? For a long time, banks were even in a state of opposition to Internet finance. This is not difficult to understand.To give a very simple example, a team has been winning games. At this time, the sudden change of head coach will give people a feeling that the team is crazy?Banks too! For a long time, it goes without saying how profitable Huaguo's banking industry is; if a bank's annual net profit does not reach tens of billions, it would be embarrassing to call itself a national bank. Earning tens of billions a year, this ability to make money is too scary.Anyway, it is rare for a manufacturing company to reach such a level; as a manufacturing company, if it can earn billions a year, it is already considered a veteran, and it is definitely a top-ranking manufacturing company in China.Banks make money doing traditional business like this. At this time, let them engage in Internet finance, and normal people will not make decisions like this; unless it is a lunatic. And lunatics are often called geniuses.Internet finance is very profitable. After seeing it, various banks also entered the market one after another. But there are already many predators in this market. As a latecomer to the market, it becomes difficult to seize the market again. It's too early to talk about Internet finance now!Han Songlin just wants to do one thing now, let People's Bank plug in the wings of technology."If the People's Bank of China wants to acquire customers, it must provide customers with a better user experience. For example, transfer money, transfer money with peers, it is unrealistic to talk about instant transfers, and we can't achieve it technically. However, we The future pursuit is definitely to realize the transfer of peers to the account within seconds."Han Songlin: "It doesn't matter if it can't be realized now. We can take our time and set a goal first, transfer money between peers, and the account will arrive in ten minutes. Is this okay? Ten minutes now, we will do it in a year." Five minutes, three minutes, and finally reach the account in seconds."The Internet is the future, and banks must actively use computer technology and Internet technology to better serve our customers. Only by putting customers first, can banks acquire more customers.Dong Wenbiao listened carefully to Han Songlin's words. Han Songlin once said that he would not interfere with the management of the People's Bank of China, but if he really thought that the management could do what he wanted, he would be wrong. Once it is said that the bank has not met the requirements of Xinghai Group in terms of development, it will become inevitable to replace the management.For example, the change of the president of the People's Bank of China this time will be a matter of a few days, and it will be changed directly.Dong Wenbiao didn't want to be replaced. The platform of People's Bank is really too important to him; there are only so many banks in Huaguo. If he can't realize his ambition in People's Bank, then he will no longer have a chance . Mi Yi put a fruit into his mouth, and while listening to Han Songlin's words, he understood why Han Songlin called him over.If you build a system for a bank, is it expected that the software will work?In the past, Mi Yi really didn't think about it, but suddenly he felt his eyes were opened. In terms of software development, is there any company in China that is stronger than Wangwang Software? Not bragging, really not.Many companies come to HopeSoft to poach people, but it is not so easy to poach people from Hopesoft. First of all, in terms of wages, it has to hit a lot of companies. "Does the Internet bank know?"Dong Wenbiao nodded seriously. He naturally knows about online banking and its development potential."Internet banking must be paid attention to. People's Bank should focus on the development of this area. There are very few online banking businesses now, but the business can be cultivated. After enjoying the convenience of online banking, I don't think anyone will refuse. use." As for the security of online banking? This should be the most basic thing. "The bank can also produce some wealth management products. You can discuss this with Tang Yan in detail."Dong Wenbiao looked at Tang Yan and nodded seriously. "The development of online banking, as well as the development of the entire banking system, can cooperate with Wangwangsoft. In terms of software technology, Wangwangsoft can be said to be the strongest in China."Mi Yi said very modestly: "Don't dare to be the strongest in the country, the top three, just the top three!"Han Songlin didn't care about Miyi's top three in Versailles, he kept thinking about what business the bank had. "By the way, the People's Bank of China should also pay more attention to personal financial services, such as personal loans to buy houses and cars."Now granting housing loans to individuals is a kind of loan without any risk.Yes, for banks, it is a risk-free business. "That's all I can think of. The development of the bank's business and the management of the bank will have to work hard for President Dong in the future!"Dong Wenbiao smiled and said: "It should be!" "Oh, that's right! At the next board meeting, Xinghai Group will propose that 10% of the bank's net profit be distributed to all staff as a year-end bonus."Dong Wenbiao was a little stunned when he heard this; before, he had studied the management model of Xinghai Group, so he naturally knew that Xinghai Group would give out 10% of its profits as a year-end bonus.% of the net profit, the net profit of the People's Bank of China has increased significantly this year.Since Han Songlin said so, it is obvious that the Xinghai Group has already dealt with the other members of the board of directors.With 10% of the net profit as the year-end bonus, these employees will naturally work hard.Next, Han Songlin was not talking, but listening to Tang Yan and Dong Wenbiao talking about financial products.Concerning the expectation of People's Bank, Han Songlin wants to come up with a bank version of electronic payment software.Ali can do it, Penguin can do it, and the People's Bank can do it; anyway, as a private bank, the People's Bank has made some innovations in finance, and it is not surprising.In people's minds, private enterprises have always been more capable of innovation.Tang Yan hopes that the People's Bank of China can open a branch in Xiangjiang. Regarding this, Dong Wenbiao did not dare to say a direct answer. After all, People's Bank wants to open a branch in Xiangjiang, which is not as simple as opening branches in other places in China.Tang Yan said that Xiangjiang will be handled by her.There is no need to say much about the influence THC investment has in Xiangjiang.After seeing off Dong Wenbiao and Mi Yi, Han Songlin looked at Tang Yan. Tang Yan, who had returned to school, was more student-oriented in her attire. There is really a kind of meaning of seeing all the prosperity in the world and being able to stick to your heart. "To be honest, I really didn't expect that you could continue to go back to school and study honestly!"Tang Yan took Han Songlin's arm and leaned on his shoulder. For more than a year, she was also very tired.Funds flow in the financial market, and every mistake represents the loss of a large amount of money.The whole person is in a state of highly concentrated energy. After a long time, people want to vent. "Hmph, learning is my mission, not like some people who don't know how to learn!"Han Songlin: "Who is ignorant?" "Just say someone!" "You want to find a fight, don't you?"Tang Yan didn't give Han Songlin a chance at all, she just got up and left: "I'm going to cook first!"Han Songlin stopped Tang Yan: "Don't do it, let's go out to eat tonight." "Go out to eat?" Tang Yan expressed doubts, this is fine, why go out to eat? "Liu Yang called over to eat!"Tang Yan suddenly said: "It's like this!"end of this chapter
