On the 4th afternoon.

Li Dong first met with Minister Zhang of the Ministry of Industry and Information Technology.

The other party told Li Dong that the 3g license will be officially released at the end of this month.

The 3g license is officially issued, and currently only three major telecom operators have obtained this qualification.

A td-scdma license with independent property rights will be issued to mobile, a WCDMA license will be issued to newly formed China Unicom, and a Cdma2000 license will be issued to telecommunications.

Li Dong is too lazy to care about these professional things, he just needs to know that the 3g license is issued.

The issuance of 3g licenses means that the mobile Internet era has officially arrived.

As for Li Dong doing this himself, he never considered it.

Not to mention professional issues, he only knows that the funds invested by Mobile in 3G are extremely terrifying numbers. In order to set up the TD-Scdma network, Mobile has invested hundreds of billions of dollars and built countless base stations.

The result was good. In less than five years, the 4g era has arrived.

I dare not say that all the investments of hundreds of billions of dollars in the early stage were invalidated, but I absolutely did not make any money and wasted a lot of resources.

Last time, Ma Yun and his friends discussed with him whether to set up a communications company by themselves and strive to obtain the 3g operation rights.

Li Dong refused without saying a word, but he knew it was not worth it.

Although Li Dong was concerned about the issuance of 3g licenses, he was not worried about failure because the three major operators were operating.

What Li Dong is more concerned about is the issue of issuing third-party payment licenses.

This matter is actually not under the jurisdiction of the Ministry of Industry and Information Technology.

The Ministry of Industry and Information Technology also has the right to suggest, and the central bank is the real person in charge of this business.

When Li Dong asked about this, Minister Zhang looked at him deeply and said for a while: "Li Dong, recently, the People's Bank of China, the China Banking Regulatory Commission, the Financial Office... have held many consultations and discussions.

Even some experts and operators in the payment field have participated.

Everyone has a common view that online payment is indispensable and should be formalized.

In other words, it will be a matter of time sooner or later for third-party payment business to promulgate laws and regulations, and it will not be too late.

But there is one thing that everyone has some controversy.

How should we deal with the issue of reserve funds in third-party accounts?

Nowadays, due to the settlement cycle issues, the third-party accounts of your several companies have more and more reserve funds.

Leading with Alipay and Wankatong, your third-party public custody accounts have a reserve fund of more than 3 billion under normal circumstances. During special periods, such as during some activities, the reserve fund is as high as 10 billion!

According to the definition of the central bank, online third-party payments are non-financial institutions!

In other words, you cannot settle interest.

According to this standard, your reserve fund system is a big problem. In the event that escrowsed in the bank, whether the interest generated by the buyer or seller, or your third-party platform is not allowed.

So how should the interest generated by this money be handled? Is it necessary to be collected from the country?

I guess you won't agree, and there is no such precedent.

This is a difficult point, and there is no clear statement yet.

The second biggest difficulty lies in the balance account you launched.

The balance account and your third-party network public account are not common at present, nor are they reserve funds, which is the normal reserve funds.

So what should I do if the interest generated by this money is?

Some people say that whoever saves the interest will be.

But if this is the case, it will conflict with your definition of non-financial institution.

Someone from the China Banking Regulatory Commission suggested that these third-party accounts and balance accounts could be collected from the central bank and the China Banking Regulatory Commission..."

As soon as Minister Zhang finished speaking, Li Dong's face changed and he gritted his teeth and said, "The skill of picking peaches is amazing!

I am willing to conduct supervision, risk control, and even accept the entry of the investigation team!

I want to incorporate us, but there is no way!

The third-party payment system is crucial to us. Once it is incorporated, there will be loopholes in our entire system, which we will never tolerate!

The central bank and the China Banking Regulatory Commission have asked our companies for their opinions?

Do they really think that we are just lambs to be slaughtered and kill them if we want to?"

Seeing that he was angry, Minister Zhang sighed: "Don't be so excited. At present, it's just a suggestion, and most people have not agreed.

Everyone is not stupid either, they all know that this will arouse the rebellious mentality of the company.

The symposium, including some leaders, rejected the proposal.

However, some people say that if this continues, the ultimate possibility is that you payment platforms may eventually get involved in the financial industry, such as cooperating with money funds to pay interest. What do you think?"

Li Dongmeng has never changed his expression, and there is never a shortage of fools in the country.

It is said that first-class elites are not lies in politics.

It is not difficult to guess the next step from the balance account and third-party account to Wankatong or Alipay.

These reserves and reserves will eventually be resolved.

There seems to be no more solutions. Either the interest is collected from the country or returned to the people.

It is not in line with the government's wishes to nationalize the people's money for no reason. Even if you want it, the government does not want to make a difference. What are the ideas on it?

The best way is to take it from the people and use it for the people.

But once this happens, third-party payment platforms will encroach on the territory of the financial industry, which is actually a dead end.

Some people suggest that after the country is taken back, interest will be paid, which is equivalent to the banking industry providing points on the Internet.

But this will easily cause a rebound from the company.

So, the situation is a bit complicated at the moment.

In fact, it would be a little better if Li Dong did not launch a balance account. Everyone had only focused on the reserve fund issue of public accounts, but did not involve the reserve fund issue.

Nowadays, people are considering more things.

These are actually not within Li Dong's expectations. He is not a god, so how could he think so much?

The first account was launched to facilitate the public on the one hand, and to make preparations in the future, and to seize the mobile payment market.

The result was good, but now I'm trapped myself.

Seeing that Li Dong didn't say anything, Minister Zhang sighed again and said helplessly: "You, this generation of entrepreneurs is really different from before.

You have the courage to break all traditions and the determination to be the first.

But you have to think clearly that the final result may not be as you wish.

On the day of Ma Yun Internet Conference, I will be with you in the same way and threaten to change the bank.

It would be fine if you listen to it as a joke, but you turned around and launched Wankatong mobile payment business and balance balance business...

I heard from the central bank that when the research team is far away, you are even preparing to launch QR code payment business!

Li Dong, I support this behavior of breaking the first list in my heart.

Isn’t the country getting better and better just through changes?

However, there are some things that you can't blame everyone for worrying about, the stability of the financial market is of great importance.

Before there is no practical solution, you will be the first to break traditional rules, which may cause a series of problems.

You walked too fast, so fast that everyone couldn't keep up, and they didn't react yet. How dare others agree casually in this situation?

Li Dong, the old man said today that if you want to get more support, you should stop and let go of some things.

When the road ahead is stable and you have done it, it is not too late to talk about anything else, what do you think?"

Li Dong said in a deep voice: "Minister, I know everyone's concerns.

It is also known that this may have some uncertain effects.

But because of concerns, I was slaughtered and stopped eating and didn’t even eat?

Stability overwhelms everything, I understand, but I agree to pilot it first and then promote it. Isn’t that okay?

I also agree that all departments will enter Wankatong for supervision. If there is a problem, you can stop it at any time.

Even, I dare to use the distance to guarantee it!

If there are risks and losses, I will compensate for the losses!

At least, we have not expanded to the level of 100 billion. Is it so difficult to pilot the promotion?

I’m not afraid that we will seize the traditional territory of the financial industry!

But everyone is changing, and if they don’t change, they will die. Do you have to wait until they change before we change?

The existence of enterprises is not to check for shortcomings and fill in the gaps. On the contrary, enterprises should act as pioneers. We have the country and the government as backing!

Once something happens, the government will check for shortcomings and fill in the gaps for us. This is the market, business, and finance!
To be continued...