On the afternoon of the 4th.
Li Dong first met with Minister Zhang of the Ministry of Industry and Information Technology.
He told Li Dong that the 3G license would be officially issued at the end of the month.
The 3G license was officially issued. Currently, only the three major telecom operators were qualified.
The TD-SCDMA license would be issued to Mobile, the newly established Unicom would be issued a WCDMA license, and Telecom would be issued a CDMA2000 license.
Li Dong could not be bothered with these professional matters. He only needed to know about the 3G license.
The issuance of the 3G license signified the official arrival of the mobile internet era.
As for Li Dong doing it himself, he had never considered it.
Not to mention the professional matters, just based on what he knew, Mobile had invested a terrifying amount of money into 3G. In order to set up the TD-SCDMA network, Mobile had invested hundreds of billions and built countless base stations.
In the end, in less than five years, the 4G era had arrived.
The initial investment of hundreds of billions was not completely wasted, but it was definitely not profitable and a lot of resources were wasted.
Previously, Ma Yun and the others discussed with him if they should set up their own telecommunications company and fight for the 3G operating rights.
Li Dong rejected without hesitation because he knew it was not worth it.
Although Li Dong was concerned about the issuance of the 3G license, he was not worried that it would not succeed because it was the three major operators.
Li Dong was more concerned about the issuance of the third-party payment license.
This matter was actually not under the jurisdiction of the Ministry of Industry and Information Technology.
The Ministry of Industry and Information Technology only had the right to make suggestions. The real authority in this area was the Central Bank.
When Li Dong asked about this, Minister Zhang looked at him deeply and said after a while, "Li Dong, recently, the Central Bank, the China Banking Regulatory Commission, the Finance Department … many departments have held many discussions.
Even some experts and operators in the payment industry have participated.
Everyone has a common view that online payment is indispensable and should be regulated.
In other words, it was only a matter of time before laws and regulations were enacted for the third-party payment industry.
But there is one point that everyone is in dispute about.
How should we deal with the reserve in the third-party accounts?
Now, because of the settlement cycle, the reserves in your third party accounts are increasing.
With Alipay and MantCom as the head, your third-party public escrow accounts have reserves of more than 3 billion yuan under normal circumstances. In special periods, such as during some events, the reserves can reach as high as 10 billion yuan!
According to the definition of the central bank, online third-party payments are non-financial institutions!
In other words, you can't settle the interest.
According to this standard, your reserve fund system is a big problem. The interest generated from the escrow in the bank is not allowed to belong to the buyer, the seller, or your third-party platform.
What should be done with the interest generated from this money? Should it be returned to the country?
I don't think you'll agree to it. There's no precedent.
This was a difficult problem. Until now, there was no clear answer.
The second difficulty lies in the balance accounts that you have introduced.
The balance account and your third-party network public account are not universal at the moment, and they are not reserves either. These are normal reserves.
What about the interest generated from the money?
Some people say that the interest belongs to whoever deposits it.
But if that's the case, it will conflict with your definition of a non-financial institution.
Someone from the CBRC suggested that these third-party accounts and balance accounts can be returned to the central bank and the CBRC … "
Just as Department Head Zhang finished speaking, Li Dong's expression changed. He gritted his teeth and said, "This is amazing!
I'm willing to supervise and control the risk. I'm even willing to accept an investigation team!
But there's no way they can take us in!
The third-party payment system is very important to us. Once it's taken in, there will be a loophole in our entire system. This is something we can't tolerate!
Did the central bank and the CBRC ask for our company's opinion before doing this?
Do they really think that we're lambs waiting to be slaughtered? "
Department Head Zhang saw that he was angry and sighed. "Don't be so agitated. It's only a suggestion at the moment. Most people don't agree. No one is stupid. They all know that this will arouse the rebellious mentality of the companies. At the meeting, including some leaders, everyone rejected this suggestion. But some people said that this can't go on. In the end, payment platforms like you might eventually get involved in the financial industry. For example, you might work with monetary funds to pay interest. What do you think? "
Li Dong's expression did not change. There was no lack of fools in the country.
It was not a lie to say that first-class elites were in the political world.
From the balance accounts and third-party accounts, it was not difficult to guess the next step of Wan Tao or Alipay.
These reserves and reserves had to be dealt with eventually.
And there were not many ways to solve it. They could either take the interest back to the country or return it to the people.
Taking the people's money back to the country for no reason was not in line with the government's wishes. Even if they wanted it, the government did not want others to gossip about it.
The best way was to take it from the people and use it for the people.
But once this was done, the third-party payment platform would invade the financial industry's territory. This was actually a dead end.
Some people suggested to take it back to the country and then pay interest. It was equivalent to the banking industry setting up points on the Internet.
But this would easily cause a backlash from the companies.
So, the current situation was a little complicated.
Actually, it would be better if Li Dong did not introduce the balance accounts. Everyone was only focused on the public account's reserves and did not touch on the reserves.
But now, everyone had to consider more things.
These were actually not within Li Dong's expectations. He was not a god, so how could he consider so much?
When this account was introduced, it was for the convenience of the public. On the other hand, it was to prepare for the future and seize the mobile payment market.
In the end, he was the one who had been trapped.
Seeing that Li Dong did not speak, Department Director Zhang sighed again and said helplessly, "You guys, this generation of entrepreneurs is really different from the past.
You have the courage to break all traditions and the determination to be the first.
But you have to think carefully. The final result may not be what you want.
Ma Yun said the same thing as you at the Internet Conference that he wanted to change the bank.
I thought it was a joke, but in the end, you introduced the Wan Tao mobile payment service and balance deposit service …
I heard from the central bank that when the research team was Far away, you guys were even preparing to introduce the QR code payment service!
Li Dong, from the bottom of my heart, I support this kind of action that breaks the rules.
Isn't the country getting better through change?
But you can't blame everyone for worrying about some things. The stability of the financial market is very important.
Before there is a practical solution, you guys are the first to break the traditional rules, and it is very likely to cause a series of problems.
You walked too fast, so fast that everyone couldn't keep up with you. In such a situation, how could anyone dare to agree so casually?
Li Dong, I'm taking advantage of my seniority to say something today. If you want to get more support, some things should be put aside.
When the road ahead is stable, it won't be too late to talk about other things. What do you think? "
Li Dong said in a deep voice, "Department Director, I know everyone's concerns.
I also know that this might have some uncertain effects.
But because of concerns, are you going to give up eating for fear of choking and not even eat?
Stability trumps everything. I understand that, but I agree to pilot it first and then promote it. Isn't that enough?
I also agree that the various departments will be stationed in Wan Tao for supervision. If there is a problem, you can stop it at any time.
I even dare to guarantee it with Far away!
If there are risks and losses, I will compensate for the losses!
At least, we haven't expanded to the scale of 100 billion yet. Is it so difficult to pilot it and promote it?
It's because they are afraid that we will occupy the traditional territory of the financial industry!
But people are changing. If we don't change, we will die. Do we have to wait for them to change before we change?
The existence of enterprises is not to check for loopholes. On the contrary, enterprises should be the vanguard. We have the country and the government to back us up!
Once there is a change, the government will check for us. This is the market, this is business, this is finance!
I'm not saying this to anyone, but some people and some industries have too much traditional thinking.
Society is changing. Now that Hua Xia is connected to the world, we have to accept this change. If we continue to adhere to this fixed and unchangeable thinking, how is it any different from closing the country! "
"Li Dong!"
Department Director Zhang scolded and waved his hand slightly. "Some words are too absolute. Don't be so radical, and don't be in a hurry to get angry. Things have to be solved step by step. Getting angry won't solve the problem. "
Li Dong drank a mouthful of tea, and his expression returned to normal. He nodded and said, "I understand. But Department Director, I really can't accept it!"
Department Director Zhang sighed. "Put away your unwillingness. I will continue to fight for you. It's not just me. Many people are fighting for it. But everything needs time. The reason why I'm telling you all this is because I hope you can temporarily slow down your pace. You don't know, because you moved too quickly, we were confused by your new plan right after we reached a compromise and reached an agreement. You have to ease the tension for everyone. What do you think? "
Li Dong nodded again. He understood this logic.
He knew that some things were right and harmless, but that was because he had experienced it.
Other people were not gods. Some things had to be accepted bit by bit.
In the end, they had just accepted the first changes, and then Li Dong changed again. This made everyone at a loss.
Now, it was not only those second generations who saw Li Dong as a god of plague. Financial institutions like the Central Bank and some Internet organizations almost saw Li Dong as a god of plague.
Who knew how much work and trouble this guy had added to their workload these days.
The Central Bank even suggested to the State Council whether to send a permanent team to be officially stationed Far away.
That way, they wouldn't be confused by the movements of the people in the distance.
Li Dong and Department Director Zhang chatted for a long time. Finally, he thanked the old man for a while before shaking hands with him and saying goodbye.
After bidding farewell to Department Director Zhang, Li Dong made an appointment with a deputy governor of the Central Bank in the evening.
This deputy governor was introduced by the leader of the Million Cartoon Research Group, the Director of the Financial Stabilization Bureau, and Li Dong's fellow countryman.
In the evening, Li Dong and the other party talked for a long time.
The main content was the planning, layout, purpose, and a series of promises of Million Cartoon.
…
After coming out of the restaurant, Li Dong's body reeked of alcohol.
Just as he got into the car, Li Dong's phone rang. It was Shen Qian.
After a few words, Shen Qian asked softly, "Tired?"
"A little."
"Li Dong, if you really can't do it, give up on Internet finance. As long as online payments are not banned, it won't affect our layout much. Don't you want to let go of yourself? Now, in order to promote this, you continue to put yourself in a cage. Not only are you suffering, but you're also taking a lot of risks … "
Li Dong pulled his collar and exhaled. "I know what you mean.
I said before that with my ability, I can break some barriers and shackles so that I can live more easily.
Now, I'm working hard for this.
If you don't break these shackles, then you'll live under these shackles forever. There's no freedom to speak of.
If you try to break it, the process will naturally be difficult. But when you break through, the shackles will no longer be shackles.
A few years ago, I came to Beijing to do some work. For the sake of the 3 billion bond issue, I begged my grandfather and grandmother. I was like a grandson to others and called them master whenever I saw them.
A few years later, when I came back, those people from back then would no longer be grandfathers.
Nowadays, there aren't many people who can make me call them master.
I also grew up as a grandson. I don't want to always be someone's grandson, so I want to break some things step by step.
At this point, I'm not just pursuing money in my career. I also want to break the barriers and shackles.
So, it's impossible for me to give up unless there's really no other way. "
Shen Qian was silent. After a while, she said, "Since you've made your decision, then go ahead and do it. But in Beijing, if there's anything, you can discuss it with my dad. Maybe he can give you some advice. "
Li Dong's words that he didn't want to always be someone's grandson touched Shen Qian.
In this kind of environment, it was very difficult for a businessman to do this.
From the looks of it, Li Dong's retail ecosystem and the internet plus system were all preparations and paving the way for this statement.
Shen Qian knew the difficulties, but the help she could provide for Li Dong was limited. Now, among the people she knew, the only one who could give some help and advice to Li Dong was probably Du Anmin.
Li Dong heard this and smiled. "Okay, I've been wanting to visit before. It's too late today. I'll go tomorrow. You go to bed early and don't worry about me. It might seem difficult and dangerous now, but in fact, I'm deliberately looking for some breakthroughs and excitement so that my fighting spirit won't be exhausted. If there's really no other way, I won't be stupid and insist on doing it. So, you don't have to worry about me. "
"That's good. You rest early too …"
"…"
After the two chatted for a while, Li Dong hung up the phone.
He took out his phone and looked through his contact list. He wanted to make a call, but in the end, he put down his phone and leaned against the seat to take a nap.
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