"Brother Ji, in fact, this payment software is the capital that I am confident in the future and can fight against other companies. Pen "Fun" Pavilion www.biquge.info You know the financial industry, so do you understand what Internet finance is? ”

In the past, the payment package of Mayun could become the world's largest third-party payment platform, and it was the undisputed first in terms of scale, number of users and cash flow. At that time, there were many competitors to the payment package. It shows that many people are aware of the profits in this.

In this life, the development will be earlier, and it can be used on multiple platforms such as eBay, Amazon, Ali Bar and Polar Bear Network Company, and it is expected to control the three major markets of North America, China and Eastern Europe, which will definitely be more powerful than in the previous life.

In the previous life, the technology of this payment package was originally developed by Yahoo, Softbank and Ma's team, and then when Ma's father was the CEO, he spun off the payment package business and transferred it to his own holding company, and finally pitted Yahoo and them.

Yahoo's stock price has fallen again and again, but the stock price of Ali Bar has been able to continue to rise, and this payment package has contributed a lot. The appraised value of the payment package also far exceeds that of several e-commerce websites under Ali Bar, becoming the core value of Ali Bar.

Hearing Feng Yu talk about Internet finance, Kirilenko said in his heart, what is so difficult to understand, isn't it finance on the Internet.

"Feng, of course I understand, it's like NASDAQ, isn't it just electronic trading on the Internet. Stocks are not financial products, so NASDAQ stocks are Internet finance, right? ”

Feng Yu took out two cigars, handed one to Kirilenko, lit it, took a deep breath, and spit out a smoke ring: "If you say so, it's okay." However, the Internet finance I am talking about is very different from yours. Internet finance is not a simple combination of the Internet and the traditional financial industry, but a traditional financial industry, using Internet technology, including information and communication technology, to realize new financial business models such as financing, payment, investment, and information intermediation. ”

"The online trading of stocks you mentioned is a kind of investment, but it does not represent everything. It is right that all of our Internet finance should be based on the Internet. Whether it is the market, service, organization, product or regulatory system, etc., all must be on the platform of the network, without any real trading desk, all operations, all carried out on the network, without the need for people to meet, even if you invite a financial broker, it is also on the network to communicate. ”

"Feng, isn't that right? I ask a financial broker to communicate on the Internet, so how to sign the contract? How is the salary paid? How can I trust him? Kirilenko retorted.

"At this time, we need a third-party payment platform again. We provide a credit guarantee and, of course, a credit assessment. The contract is based on the model on our network, and both parties can confirm it through online video. Of course, in the beginning, the contract still had to be printed out and signed, but in the future, it will definitely not be necessary. ”

When the online real-name system is implemented, many agreements really don't need to be signed, just click OK. For example, download a mobile phone stock trading software, a video confirmation on the Internet, including uploading ID cards, and only need to take pictures, without any signature, but it has the same legal effect.

"Web video confirmation? That's not very clear, is it? "There is already network video technology, but it is limited by the network speed, and the clarity is poor. Some ordinary users are even more unable to use this technology.

"The Internet is evolving at a rapid pace, and you can't use today's eyes to understand what will be available in three years' time. Now you can take pictures with your mobile phone, three years ago, did you think about it? Feng Yu picked up the wind and rain mobile phone on the table and shook it and asked.

"Really, what do you mean, online video will be popular in three years?"

"In developed countries, there must be no problem, even in countries with average Internet, so that most netizens can know about it. And after the launch of this thing, the development will be faster and faster, maybe faster than we imagined. ”

"Then what do you mean by Internet financial services, and what products do they have?" Kirilenko asked again.

"We have what the traditional financial industry has. For example, investment and financial management, deposits, withdrawals, loans, capital circulation, exchange and so on. Moreover, some things that cannot be done in traditional industries can be done by us in Internet finance, such as crowdfunding. ”

"Crowdfunding? What does it mean that all people raise money to one person? What's so special about this, the traditional financial industry is the same, right? "Kirilenko looks like you don't think I don't know.

"Yes, there are traditional industries, but I ask you, if the traditional industry wants to raise a million and divide it into a million shares, can it do it?"

"What? A million has to be divided into a million shares, isn't that one person one dollar? So how to raise money, who will go to a financial institution for a dollar. ”

"Yes, no one would go to the bank to raise money for a dollar. But what if it's online? All you need to do is click the mouse a few times, enter the password of the third-party payment platform, and it can be completed in one minute. ”

This one million is divided into one million copies, which is not Feng Yu's nonsense, but the crowdfunding that Feng Yu really experienced in his previous life. An author wants to publish a book, but no publisher is willing to publish it, such as the content is too sensitive, such as too niche, etc., and at this time, an author launched a crowdfunding, and a fan donated 100 coins, that is, one dollar, to make up a sum of money to publish a book for this author.

For fans, a dollar is nothing at all, but it adds up, and some authors have even adapted their novels into games and even movies and television with the help of crowdfunding.

It's too much trouble to go to the bank to donate a dollar, but if you only need to operate it online for a minute, it's much easier.

There are also young singers who want to make records, new directors who want to make movies, and even roadside stalls who want to open stores for crowdfunding, there are many failures, but there are also many successes.

In other words, Internet finance can do a lot of small products that the traditional financial industry can't do.

These are just the tip of the iceberg, and there are too many places to make money through this third-party payment platform. Think about the bankers of traditional finance, when did they see them lose money?

Let's just say that China's world-class companies and all the large state-owned banks are all on the list, right? And this third-party payment platform is an institution that can wrestle with these large state-owned banks, and is even expected to surpass them!

"Brother Ji, Internet finance is much more convenient than you think, for example, if you want a loan, on our payment platform, your credit history is enough, then our platform can give him a loan. We can even launch some online financial products and push them to those who like to invest in financial products, so as to make a profit......"

As Feng Yu narrated, Kirilenko's eyes grew brighter and brighter. This Internet finance is really a treasure trove, and the third-party payment software must be developed immediately!

…… (To be continued.) )