Recast youth

Chapter 2476 A Cross-Era Character
In fact, we can’t blame Li Zhedong.

At present, the Android system is not yet on the market, and it is far from being popularized by smartphones. It is already a huge leap for Li Zhedong to make Maple Leaf payment software available on mobile phones.

In the previous life, when did Alipay engage in Ant Borrowing?

It was launched on April 2015, 4.

At that time, the regulations related to third-party payment software had gradually matured, and it was reasonable for Alipay to launch Ant Jiebei. But now, not long after the Chinese New Year in 2008, Ye Feng suddenly told him that he would open a lending business on Maple Leaf Payment, which was enough. 7 years ahead of schedule.

At this stage, there is almost no law in the field of third-party payment software. How can Li Zhedong not be afraid after hearing what Ye Feng said?This might lead to him going to jail. For a moment, he even thought Ye Feng was crazy.

Ye Feng listened to Li Zhedong's words and did not speak on the spot. Instead, he curled his fingers and tapped them lightly on the table, and began to recall the timeline opened by Alipay Ant Jiebei in his previous life.

But Ye Feng thought for a while and couldn't remember.

He had an impression of Ant Jiebei at the beginning of 2016, when a colleague from the company suddenly came to him excitedly and asked him how many Ant Credit points he had and to see if Ant Jiebei had a limit.

Unfortunately.

Ye Feng didn't use Alipay very much at that time, so he didn't have many credit points, and naturally he didn't have a limit. The highest he had ever seen was a woman from the company's finance department, who had more than 600 Ant points and an Ant Borrowing limit of 5000.

2016 years.

Ye Feng muttered quietly in his heart and continued to tap on the table. Based on this information, it can be basically inferred that Ant Jiebei was launched around 2016, probably around 2015.

7 years time.

At this time, Ye Feng also realized how panic his whim had brought to Li Zhedong, the former vice president of a traditional bank head office, but despite this, Ye Feng did not intend to change his mind.

2008 years now.

In the two years from 2009 to 2010 at most, Ye Feng will definitely promote the launch of Maple Leaf. It doesn’t matter if there are no relevant financial legal provisions. All provisions are promoted.

What he has to do now is to push the wheels of finance to speed up the introduction of financial lending provisions for third-party payment software.

Again.

Ye Feng now has an inexplicable sense of urgency in his heart. He can't find the reason for this sense of urgency at the moment. It may be that he is impetuous and wants to reach a height that others need to look up to in a short time.

Or maybe it's because the year 2016, when he will be reborn, is getting closer.

If you wait until then to launch Maple Leaf Borrowing, it will definitely be too late. After all, from launch to popularization, it takes a period of promotion.

He Chongxin is a technical man who doesn't know much about the financial field. Hearing this, he looked at Li Zhedong curiously and asked: "Are there so many restrictions on lending money to users? I can't just lend my money to whoever I want." Who? It seems like this is called private lending."

Li Zhedong said: "It's okay to lend your money to whoever you want, but it's different when a company engages in large-scale lending business. For example, you promise to give users interest, and then the users voluntarily lend their money." Do you think there’s a problem with it being added to your card?”

"No problem." He Chongxin said, "I promised to give them interest, and they did it voluntarily. If there's any problem, I'm not taking the money and running away without paying it back."

Ye Feng listened silently. He knew what Li Zhedong meant. He Chongxin's behavior was tantamount to illegal fund-raising.

Sure enough, Li Zhedong shook his head after hearing what He Chongxin said: "You are illegally raising funds and you will be sentenced. If the amount is too large, you may be sentenced to three to ten years in prison."

"I'll go, won't I?"

He Chongxin was a little dumbfounded. He borrowed money himself and the other party also voluntarily borrowed money. How could it be illegal fundraising?He Chongxin couldn't help but said: "You're not so unreasonable, are you?"

"It's not unreasonable or unreasonable. It's difficult to standardize illegal fund-raising. Many people accidentally become illegal fund-raisers. As for whether you think it's unreasonable, it's useless. The law is a red rope and it's not your personal decision. of."

Li Zhedong explained to He Chongxin that this was the main reason why he was afraid of Ye Feng's idea. Even the most experienced practitioners in the field of third-party payment software could easily step into pitfalls accidentally.

After the two of them finished talking, Ye Feng turned his attention to Dickson, who is the head of global capital markets at Citibank and is much better than Li Zhedong in the financial field.

So Ye Feng also wanted to hear Dickson's opinion, so he asked Dickson in English: "You were at Citibank before. Is there an APP software for private lending in the United States?"

"No, no."

Dixon shook his head: "The credit systems in the United States and China are different. The credit card system in the United States is very mature. Even a student can easily apply for a credit card, and the interest rate is very low, so there is no need to ask the so-called APP software lending.”

"Ah."

Ye Feng nodded when he heard this. The reason why he asked Dixon was because he wanted to know about the financial regulations in the United States. As for the country, he also thought of a way. In his impression, Alipay was not only used by Ant Bank.

In addition to Ant Borrowing, there is also MYBank.

In other words, Alipay still established a bank, but it said that this bank is online.

So Ye Feng looked at Li Zhedong again and said in a calm but unacceptable tone: "Don't think about the loan now. You only need to make it for me in two years. During this time, you can give I want to find a way to set up a bank, but not the kind of bank you imagine. I mean an online bank with banking functions. During this period, you can add a credit score system to Maple Leaf Payment. This can be based on Using users’ bills to increase their credit score can also be regarded as paving the way for Maple Leaf. As for the relevant conditions for establishing an online bank, you can go to some leaders of the central bank to find out what they think.”

"I know Mr. Ye."

At this point in Ye Feng's words, Li Zhedong could only nod in recognition. At the same time, he also understood that Mr. Ye's sudden proposal of loan business today was definitely not a temporary initiative, but a premeditated plan.

Maybe he had already thought of this step when Maple Leaf Payment was first established.

Thinking of this, Li Zhedong couldn't help but raise his head and glance at Ye Feng, who had a calm face. He couldn't help but feel goosebumps in his heart. This was no longer simply a word genius that could be used to describe him.

Characters across the ages.

This kind of character is destined to leave a deep mark in this era, just like Shen Wansan, Hu Xueyan and others in the past, or even worse. After all, Ye Feng has already reached the heights they once had.

(End of this chapter)