Recast youth

Chapter 1346 Unfavorable Plan

"I have to say, your idea is very good."

Liang Yousheng nodded and continued: "But there is no precedent for this in domestic banks now, and fund security is indeed a problem, and it also involves the leakage of customer information. To be honest, from a personal perspective, I want to promise you, But given my position, this responsibility is too great and I can’t bear it.”

Li Zhedong's heart sank.

Liang Yousheng then said in a twist: "But I can give you another plan. Our bank can jointly issue a co-branded card with Maple Leaf Payment, using a tripartite agreement. Our bank and the cardholder, Maple Leaf Payment and the cardholder The person, the bank and Fengxing Payment signed an agreement in pairs. The agreement can stipulate that once the cardholder suffers a loss of funds during payment, the loss will be jointly borne by Fengxing Payment. If you think it is okay, I can let this business Pilot projects will be carried out in provinces and cities first.”

Liang Yousheng picked up the tea cup, took a sip of tea, and said: "Actually, this business is also good. This card can bind bank accounts and Fengxing payment accounts. Users can go to our bank counter to apply for this co-branded card. All they need to do is put in the Once your Maple Bank payment account is completely filled in and bound to the bank card, you don’t need to jump to online banking when making payments, which is similar to what you thought before.”

"Is this Ali's plan?"

Li Zhedong looked up at Liang Yousheng.

Liang Yousheng nodded: "Yes, people from Alibaba came to the bank to discuss this plan last month, but I did not agree. It was you who came today, so I agreed. To be honest, there is only so much I can help you with." , any more would be a violation."

Li Zhedong fell silent upon hearing this.

It's not that he didn't know the old leader's thoughts. There were two potential conditions for the joint issuance of the card he mentioned. The first was that if there was a problem with the account funds, Fengxing Payment would be responsible for it.

In this agreement, Bank of Communications does not need to bear any responsibility.

This agreement is very unfavorable to Fengxing's payment, and it is even a bit of an overlord treaty.

The Bank of Communications can also gain huge benefits without taking any responsibility, that is, it can develop new customers by jointly issuing cards with Fengxing Payment, because according to the old leader, if users want to open this business, they must To open this new co-branded card, you must first sign a contract with the bank and then bind it to the Lanshan payment account.

At last.

Although Li Zhedong and Ye Feng have not been together for a long time, we can more or less see how ambitious Ye Feng is in his heart. Will he be willing to keep up with Ali?
Obviously, if he wants to do fast payment, he wants to be one step ahead of Ali's payment guarantee.

However, now it seems that the road can only go so far, and the effect of quick payment has basically been achieved.

"I have to communicate with Mr. Ye."

Li Zhedong raised his head and Liang Yousheng said.

"Well, let's go, don't worry."

Liang Yousheng nodded and signaled Li Zhedong to go about his business. Upon seeing this, Li Zhedong came outside and called Ye Feng. At this time, Ye Feng happened to be on the way out of Yucun, and his mobile phone had a signal.

Li Zhedong told Ye Feng what Liang Yousheng said on the phone.

Ye Feng didn't know until this time that it turned out that Paybao had not developed at all in the years from 2006 to 2010, but had made the choice to issue cards jointly with banks.

Alternative version of quick payment method.

But there is nothing that can be done about it. Unlike his rebirth, Ali is still in the stage of crossing the river by feeling for the stones. It is very remarkable that they can think of it here.But Ye Feng was not satisfied because that was not what he wanted.

So Ye Feng also told Li Zhedong his thoughts on the phone: "Co-branded card issuance is a solution, but it is far from what I expected. First of all, what are the prerequisites for opening this business? The prerequisite is to go to the bank to open a new Card, the application process is too cumbersome. Most people are not willing to apply for a new card. This seems to have a threshold. People who apply for a card can enter, but those who have not applied for a card are blocked outside. This is equivalent to It limits the growth of the number of users and is even worse than the existing payment methods. Although the existing payment methods are a bit cumbersome and require jumping to the online banking page, at least they have no payment threshold. After all, Fengxing Payment is a payment tool. What we do is to facilitate the public, not a small group of people. In addition, if there is a problem with the funds in the joint card account, Maple Bank will have to bear it, and the risk is too high."

Li Zhedong had already prepared a draft. If Ye Feng asked about the risk issue, he could follow up and talk about it. He could talk to the old leader and change the risk to be borne by both Fengxing Payment and the bank instead of Fengxing Payment and the bank. Can highlight one's abilities.

But what Li Zhedong didn't expect was that Ye Feng's purpose was so clear, that is, pure and fast payment, rather than a roundabout way of saving the country like issuing a co-branded card. This made it difficult for Li Zhedong to give the answer he had reserved.

"Okay, I understand Mr. Ye."

Li Zhedong nodded and then asked, "When will you come back?"

Regarding fast payment, Li Zhedong also wanted to discuss his ideas with Ye Feng face to face. Only when he knew clearly what the boss wanted could he work in this direction.

"I guess it will have to be tomorrow. I have just walked out of the mountains and have to take the bus for a day."

Ye Feng said something on the phone, and then asked: "What's the matter?"

Li Zhedong said: "I want to talk to Mr. Ye about Fengxing Payment."

"Isn't it going well?" Ye Feng asked on the phone.

Li Zhedong said calmly: "Yes, I just talked with the old leader for a while, and there was a lot of resistance. The plan I just mentioned is the plan that the old leader in the industry gave me."

Ye Feng thought for a while on the phone, and then decided not to return to Dongzhou for the time being, but to go directly to Shanghai.

"It's okay. We can't talk for the moment. Just talk slowly. I'll go to Shanghai to talk to you in person tomorrow."

"Alright Mr. Ye."

hang up the phone.

Li Zhedong breathed a long sigh of relief. This time he came to the Shanghai stock market with full confidence. He had also established good relationships with all aspects of the industry, including the vice president and executive director Cheng Haibo. The foot fell on the old leader.

Back to the office again.

Li Zhedong looked at Liang Yousheng with a wry smile and said: "Old leader, I just called Mr. Ye. I am very satisfied, but Mr. Ye is not very satisfied? I can only continue to come and grind my teeth with you, old leader."

Liang Yousheng asked back: "Didn't I give you the quick payment you asked for?"

Since he does not plan to accept the joint issuance of cards, Li Zhedong no longer talks about the risk being independently borne by Maple Leaf Pay. He just smiled bitterly and said: "I know, give it to me. The key is that Mr. Ye feels that the card application process is too cumbersome. , which limits the growth of the number of Fengxing payment users."

(End of this chapter)