Shen Guojun: The Business Of Internet Banking Is Quite Different From That Of Micro Public Banks.

To reporters (hereinafter referred to as reporters), China's real economic environment is not optimistic.

He started out as a real economy, with more than a hundred thousand employees, but so many entities made such a small sum of money and had so many social responsibilities.

Especially recently, the stock market has been very popular, so we have bought the stock with all the money, so the real economy is even more difficult.

The "super China" is born in the next 20 years.

Reporter: what do you think of the present situation?

Great environment?

Shen Guojun: in the industrial pformation environment, the real economy has encountered many difficulties. The most difficult industry is manufacturing, such as shipbuilding, steel, cement and clothing. The enterprises that had previously exported have encountered a lot of problems.

In fact, the state is also aware of the seriousness of this problem.

The economic indicators in the first quarter of this year are not very good-looking, which is also related to the real economy going down.

Now, the government is also trying to find ways to increase liquidity and reduce financing costs.

Reporter: what do you think of China's development in the next 20 years?

Shen Guojun: I personally think that in the next 20 years "

"Sure can be born."

As long as the country is politically stable and the law is gradually improving and sound, the economy will grow steadily.

In recent 1~2 years, the state and local governments are advocating economic pformation. This pformation is very painful. But I think China's economic pformation has the chance to succeed. I am very confident.

Internet and technological progress will change the way of life and work. Virtual reality society will form.

Network business banks and micro public banks are different.

Reporter: Yintai, Ali, Fosun and other investment banks have already passed the approval. What is the development status now? What is the difference between Tencent and its micro public banks?

Shen Guojun: Yintai invested in the network business bank is China's second licensed internet bank. Now the preparation is almost the same. It will open in June this year.

There are many differences between Internet banking and micro public banks.

4 years ago, Ali led the company and founded the Ali microfinance company with Renaissance and Yintai. The operation of the company was very good, and the network business bank grew up on the basis of Ali small loan company.

As far as I know, the company now has about about 1500000 customers, although the network business bank has not yet opened, but through the small loan company has accumulated about 1000000 customers, the total amount of money is very large.

The network business bank will mainly focus on the enterprises and individuals of Ali e-commerce in the future, but the proportion of e-commerce is less than that of Tencent.

The two groups are different. The Internet banking will pay more attention to the small and micro businesses, especially the individuals and enterprises in the field of e-commerce. On the basis of the original small loans, we will do this well.

Strong efforts to rebuild O2O pattern

Reporter: before Wang Jianlin also talked about the layout and thinking of Wanda O2O pformation, how does Yintai think in this respect? Ali has been in Yintai for almost a year. What is the progress of Ali and Yintai's cooperation in O2O?

Shen Guojun: I say, Yintai is ahead in this field.

Last year, we worked closely with Ali to set up a joint venture company, which specializes in O2O business under the shopping center and department store online.

We are developing a product. The 1 edition of this product will be online soon in June.

In fact, we have done some tests in Yintai City, Hangzhou.

The real online and offline interactive O2O business will definitely be born on the joint venture platform between Ali and Yintai, because the area has accumulated a lot of foundation.

First of all, there must be a large number of online shoppers. Ali now has hundreds of millions of Taobao users, and Tmall and Alipay also have many users.

Second, the innovation of traditional enterprises should go to the stage that Internet companies can basically recognize, that is, we need to digitize all the products.