The Leadership Of The Central Bank Does Not Wait To See How Much Of Ma Yun Will Understand

A friend in the industry told me that Ma Yun went to Beijing to take part in some important financial activities and was always too arrogant to greet the leaders of the central bank.

After listening to this, my heart secretly "ha ha".

Which is Ma Yun ignored the central bank leaders, but the central bank leaders do not want to see Ma.

In daily life, if you greet a person, the other person always doesn't like to talk to you, then will you greet him again? The same is true.

In fact, although the central bank leaders do not want to see Ma Yun, Ma Yun should take the initiative to greet each other.

The leadership of the central bank will not be able to see Ma, and we will all understand it. After all, Mr Ma founded Alipay with a huge volume, which is known as the "financial empire".

However, if the volume is bigger, Alipay will be able to recharge, cash and pfer through the bank. Where is the central bank's fear of Alipay? We all know that Alipay belongs to the third party payment in the financial field, and the third party payment belongs to the Internet finance.

Starting from the basic principles of finance, finance, as the blood of the national economy and the key to commodity economy, can only solve three problems: where the money is, where the money goes, and how the money goes.

However, in the Internet financial system, taking Alipay as an example, Alipay has opened a general account in the bank, and Alipay's money is also in the bank.

But there is one key point that has been ignored, that is, Alipay has taken the place of banks to grasp the basic information of customers and the flow of funds.

For example, the current banking industry is like a courier. The bank and Alipay have completed a paction. The courier of the bank sends the parcel to the district where Alipay is located. The security guards are not allowed to enter, the parcel is delivered to Alipay, and the rest of the process has no bank affairs at all.

Back to the starting point is the flow of funds in Alipay's community, the paction situation, banks have no concept.

With the development of e-commerce and Internet finance, banks will find thousands of people pferring funds from bank accounts to Alipay accounts.

This year, the turnover of funds in the electricity supplier and Internet financial system is 15 trillion. Funds are moving, and banks do not know. In other words, Alipay holds the liquidation records of all capital flows within the system. In fact, it bears the role of monetary settlement in the central bank. Can the central Bank be cool?

Now Alipay has the customer's capital clearing record, and has the role of the central bank capital clearing center. Through deep data mining, analysis and application, it can "blossom and blossom".

Take the fire supply chain finance as an example, in the electricity supplier system shops in Shanghai, customers in Zhejiang, production base in Jiangsu, according to the situation of capital flow, through simple algorithm, analyze the minimum time of capital flow, reduce operating costs.

Alipay seems to have given the Internet finance a new definition: the real sense of "Internet banking".

Taobao breeds

At the time of disillusionment, Alipay, as a product derived from Internet O2O Taobao, started its role positioning only for secured pactions, payment channels, subject to China's commodity trading environment, the closure of financial system, the high pressure of policy and the public's recognition level.

Now Alipay's position in the economy and finance has become more and more important. It can be seen that the sprout of early sprouts can only mature through several trials of frost.

Now, this sprout has grown into a towering tree. The next thing that Alipay should consider is how to integrate better and more harmoniously.

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Otherwise, the trees will be too high to withstand thunderbolt.

In the traditional financial system,

It refers to the capital exchanges between enterprises and individuals, and the liquidation of funds generated from the payment of business pactions between banks.

In the traditional three level monetary settlement system, the central bank plays a leading role.

For example, Xiao Ming and Xiao Wang both opened accounts in ICBC, and the pfer between them was carried out in two accounts.

In interbank pactions, Xiao Ming's opening bank is ICBC. Xiao Wang is the CCB. It will make capital settlement on that day, make a net difference, and the outflow of funds will allocate the total accounts in one time to complete the financial reconciliation.

This is to say who knows the currency clearing center, who controls the flow of funds, and who is the overlord of the financial system.