Chapter 1836 Let’s Do It Together

The living room fell into silence for a moment.

Ma Fengyun looked at Yang Dongxu and said with a slightly heavy face, "I came up with Huabei not only to compete with Alipay, but also to supplement online shopping."

"I understand. Not only you, but Jingdong will also come up with Baitiao or something, and Suning will probably also come up with an overdraft balance or something." Yang Dongxu nodded.

Huabei, which is similar to credit card overdraft spending, is indeed a major supplement to online shopping. No matter how many people become slaves of Huabei like card slaves, the first thing they do when their monthly salary arrives is to pay back the money.

From the perspective of online shopping alone, from the perspective of promoting consumers to shop online, and from the perspective of capital alone. Although the advent of this software is not as epoch-making as Alipay, it is at least a milestone event.

And after being stolen by Alipay once, although UnionPay has a very strict loophole for online payment methods. But after all, it is the trend of the development of the times.

Even if Ma Fengyun does not come up with Huabei, according to the current active transactions in the online market. It is impossible for everyone to be stuck with Alipay.

Jingdong Payment, NetEase Payment, Suning Payment, etc. are all on the way, either directly or through indirect online payment methods like Huabei.

It's just that Taobao is the most popular now, Ali is developing the fastest, and Ma Fengyun jumped out first. If he could be more patient, maybe Daqiangzi from Jingdong, even if he relies more on Yang Dongxu than Ma Fengyun, could not help but do something to disobey his master first.

The general trend of the development of the times is here, and Alipay has made UnionPay realize that the loophole of online payment cannot be opened casually.

But Alipay did not do Huabei, and did not do Yu'ebao. It's just that in terms of transfer fees and convenience, UnionPay feels a little threatened, and this loophole cannot be easily opened.

But these threats are obviously limited, and the loophole is not so dead. Whether it is Ali or Daqiangzi, even if they are concerned about Yang Dongxu, the major shareholder, they can still get the license for online payment from other channels.

For example, didn't Ma Fengyun's Huabei, the online payment credit loan financial loan license, just come down like this?

So for Ma Fengyun's obvious provocation to him from the outside world, Yang Dongxu was actually not that angry in his heart, and he had no conspiracy to target Ma Fengyun.

Of course, although he didn't care about this in his heart, he couldn't show it on the surface. Everyone felt that it was a provocative behavior, but you were laughing and joking like nothing happened.

Then other people saw that they didn't care about provoking you, so can I take advantage of other things?

Especially on Ma Fengyun's side, the other party dared to provoke him even though he had a cold face. If he gave the other party a smile, this daring guy would not turn the world upside down in the future.

"It's good that you can understand. In fact, it's not just Huabei. In my imagination, it's possible to open an online bank. To put it bluntly, a bank is actually a credit structure.

As long as our credit meets the standards and people trust us, it's completely reliable to open an online bank for deposits and withdrawals. And online banks are more convenient and faster than offline banks.

Transfers don't require any fees, which is convenient for transactions. There is no high-end service attitude of offline banks. Whether it's service or efficiency, it's much higher than offline banks." Ma Fengyun said.

He felt scared, so he wanted to use Yu'ebao to repay Yang Dongxu and let him calm down?

Obviously not, the only reason he proposed an online bank similar to Yu'ebao at this time. That's because this guy is smarter than anyone else and knows what it means to open an online bank. He is a little unsure in his heart and wants to pull Yang Dongxu, the absolute boss, to take the lead.

If it weren't for the uncertainty in his heart, this matter involves too many things and it will cause a big mess if it's not handled properly, he wouldn't be so kind to pull Yang Dongxu on board.

This guy is not tall or fat, but has a strong possessiveness. I will take whatever I can take, even if it means taking risks. I will only think of finding a partner when I feel that I cannot foresee the danger and my body cannot handle it.

"The efficiency and process of banks are too rigid now, and there are many areas that need to be improved and promoted." Yang Dongxu nodded and agreed with Ma Fengyun's words again.

The faint smile at the corner of his mouth was full of deep meaning.

Ma Fengyun did not catch his subtle expression, and heard that he directly agreed with his opinion. Ma Fengyun was stunned at first, then his face was filled with ecstasy, "Director Yang also feels that online banking can be done."

"Yes, it can be done, and not only can it be done, but it must be done in a big way. The current banking industry does have many problems in terms of service and system, and some external pressure is needed to remind them that they can't always act according to the old ways. They should wake up. Not to mention leading the times, but at least they can't become stumbling blocks of the times."

"What Director Yang said is so right. The current banking industry is always following the routine and lifeless, which is really unacceptable. There must be some external pressure to wake them up.

I will hold a board meeting when I go back, and Director Yang will take the lead in this matter." Ma Fengyun slapped his thigh and seemed very excited. It seemed that Yang Dongxu's words touched his itch and made him feel that he had met a confidant.

At this time, Ma Fengyun was not the richest man, and the name of Hangzhou Ma was not loud enough. So he was not as bold as in his previous life, and he directly shouted out the iconic speech of "If banks don't change, we will change banks."

"Forget it. I already have Alipay, so I don't want to get involved in other things. If you want to do it, just form a team yourself. If you let Alibaba do it, I, as a shareholder, will vote in favor.

If you set up your own company to do Huabei and then cooperate with Alibaba, I will also raise my hand to agree." Looking at the excited Ma Fengyun, Yang Dongxu said calmly.

"This." The excited Ma Fengyun's expression suddenly got a little stuck.

"Do you know Huaxia Telecom?" Seeing Ma Fengyun's look, Yang Xu asked a question that was unrelated to the topic at the moment.

"I know, it's a model in the field of communications. If it weren't for the preference of the upper level for those state-owned enterprises, it would definitely be the largest communications company in China." Ma Fengyun nodded.

"Huaxia Telecom is mine. I have been a catfish in the communications field. In fact, it is not only in the communications field, but also in Hurricane Architecture, Honor Mobile Phones, Huaxia BMW, etc.

I have been a catfish in many fields, so I will not get involved in the matter of affecting the banking industry. You know my character after knowing each other for so long. I am too lazy to touch finance if it is not necessary."

"I want to touch it!" Ma Fengyun couldn't help shouting in his heart, and at the same time he couldn't help but feel that Yang Dongxu was squandering the resources of heaven. It was a shameful waste that he didn't touch finance with such good resources.

If he had Yang Dongxu's status and resources, he would not only want to reform the banks, but also the development of the country's economic environment!

It's a pity that he is not Yang Dongxu, and he dare not shout out his inner voice.

So he can only look at Yang Dongxu with shock and surprise, and his eyes are full of admiration. "Huaxia Telecom and Huaxia BMW, two star-level private enterprises, are actually Yang Dongxu's enterprises. It's worthy of being Yang Dongxu. It's simply a role model for my generation."