It is not easy for people who can be the top management of the bank, let alone President Su and others. It seems that they are very clear about the pros and cons of Alipay for banks. If Shanghai Bank reaches an agreement with Zhou Liwen and builds this Alipay together, although there will be some adjustments and a lot of work in the existing banking system to ensure the operation of Alipay. However, the benefits brought by Alipay to Shanghai Bank are also obvious.

First: As a local bank newly established by a credit union, Shanghai Bank has no advantage over the four major banks. Whether in terms of scale, outlets and capital reserves, it belongs to the younger brother's younger brother. Banks need to develop, just like the two basic functions proposed by President Su: reserve absorption and lending. But from this point of view, the business network and customer base faced by Shanghai Bank can almost be said to be inherently deficient.

Second: If you expand in a traditional way, if you want to expand your business scope to half of the current four major banks, it may not be successful in a short time. More than ten years later, the influence of Shanghai Banks was still insufficient. In addition to the local area of ​​Shanghai, it only covered several surrounding provinces and cities. In addition to the crazy expansion of various banks a few years later, the already inherently deficient Shanghai Banks was even more difficult.

However, if Alipay develops in the e-commerce field through it, it will be equivalent to breaking out of the original rules and regulations, which will give Shanghai Bank a leap opportunity. In addition, the bank carefully studied the operation of Alipay, and although Alipay is not operated, banks that have natural storage absorption functions are particularly valued. With this platform, according to the current domestic e-commerce sales situation, it is absolutely no problem to maintain a certain amount of funds in the long run. Of course, Zhou Liwen also planned the prospects of Alipay, and even budgeted that with the development of e-commerce, Alipay will have more than ten or even billions of stable capital flows. Although the bank has different views on this, it has reached a consensus on having capital flows.

The question asked by President Su is actually the most critical point, because it represents the real interests of Zhou Liwen and the bank, and is also the key to operating Alipay at present.

"The interest is calculated based on the current current interest on your bank. As for the loan sharing, I wonder if President Su has a plan?"

Zhou Liwen had already prepared for a long time, first clarifying the ownership of the interest, and then directly throwing the problem to the other party.

"Eighty-two-part, Boss Zhou, what do you think?" President Su asked with a smile.

Zhou Liwen smiled and shook her head and said, "President Su, this ratio is really too low. I remember that the proportion of lending by the bank's peers is more than this?"

"Boss Zhou, these are two things." Director Ma explained as the director of the credit department: "How can peer lending be compared with long-term cooperation? Moreover, the bank's peer lending does not incur operating expenses, and our cooperation cannot avoid this. On the premise of giving fixed interest income, the 82 share proposed by Su Xing is still very reasonable in my opinion..."

President Su waved his hand and interrupted, "Boss Zhou, you can also make your request and discuss business, everyone is just talking."

"I think it's a reasonable way to split the 50% share, and our company needs to send professional accountants to supervise the lending."

"This is absolutely impossible!" Vice President Lin immediately refused: "It is impossible for our banks to accept this ratio, and our banks must be fully responsible for lending. It is impossible for external institutions to have such regulatory powers. This is not only aimed at Boss Zhou, but also in the industry's lending and lending process, which has touched our bottom line."

"What if the loan causes bad debts and the loan cannot be recovered? Will you bear the bank's responsibility for this loss?" Zhou Liwen asked back in a tit-for-tat way.

"Of course it's a shared responsibility!"

"What a common responsibility. Since it is not normal for the responsible party to have the right to supervise?"

“There has never been no such rule in the banking industry, it is a convention.”

"It can be noted before, but it does not mean it will not be there in the future. Please don't forget that this is a cooperation between the two parties!"

The two sides immediately argued about this issue. The peaceful scene just now suddenly became tense and no one could give in. This time, Yao Liang, who had not made any noise, was extremely anxious. He was originally happy to see the smooth progress of the negotiations, and felt that this matter was basically done. Once the agreement was signed, the villa was obtained, but who would have thought that the sudden change of the situation and the two sides were in a big quarrel.

Yao Liang, who couldn't sit still, saw that the situation was not good, so he hurried out to smooth things over.

"Su Xing, Lin Xing and Director Ma, Boss Zhou is not very familiar with the banking system. It is normal for both sides to have differences on issues. So, it's almost time for lunch now. Everyone eat first, and what's going on when they are talking in the afternoon?"

Vice President Lin and Director Ma seemed to have to argue with Zhou Liwen. President Su thought for a while and agreed happily, "Okay, let's have a meal first. Boss Zhou is a guest, so I will be the organizer today."

"Then thank President Su." Zhou Liwen did not refuse and nodded immediately with a smile.

Lunch was arranged in a hotel next to the bank. Although the hotel was not very famous, the environment and dishes were still good. At the dinner table, after a few glasses of wine, both sides seemed to have forgotten the dispute just now, and the atmosphere gradually became lively. Especially Yao Liang, as an intermediary, he used his skills to make jokes at the table and mediate the atmosphere. Zhou Liwen was not a stingy person. Business was business, and friends were friends. With his attitude, Deputy President Lin and Director Ma, who had been dissatisfied with Zhou Liwen, also put down their airs and chatted everywhere while drinking wine. After a while, they called brothers and brothers.

When they were almost drunk, Zhou Liwen went to the toilet to pay the water fee. Yao Liang followed him out and pulled Zhou Liwen aside outside.

"I said Brother Zhou, your requirements are too high, you can share the 50% share? You can think of it too!"

"What's wrong? It's cooperation, what's wrong with half a minute?" Zhou Liwen asked slightly drunk, with disapproving expression.

Yao Liang laughed and cried and swept Zhou Liwen to literacy. The bank is a very special institution. It is a way of splitting the 55% between commercial and official departments. At present, all banks cannot exist, not to mention that Zhou Liwen’s regulatory loan requirements cannot be accepted by any bank. You must know that this right is not the same as a partner like Zhou Liwen. Even violent institutions such as the Public Security Bureau, the Procuratorate, the Court can only query information with permission from the bank’s superior authorities, let alone sensitive regulatory supervision requirements. Unless Zhou Liwen represents the People’s Bank of China and is authorized, he has such rights.

"There is such a thing? You kid won't lie to me, right?" Zhou Liwen asked in surprise.

"My Brother Zhou, why am I lying to you? Don't forget that I am standing by your side! What are the benefits of lying to you?" Yao Liang said anxiously.

Zhou Liwen thought for a while and shook her head, "If this is the case, wouldn't it be impossible to cooperate? I can't watch the funds operate in unsafe situations, right? You are a banker, and you should know the annual proportion of bad debts in the bank. Do you think this risk is borne by me and it is reasonable to have no supervision rights? If you lose money, or if you release the money, you can't get it back, let alone share the money, even if you pay me 82, I dare to do it?"

"This..." Yao Liang had nothing to say for a moment. What Zhou Liwen said made sense. He was not a bank, but his own money was lost. If the bank lost, the state and superior institutions would take care of it. Whether it was a president or a director, it would be a work mistake at that time. But Zhou Liwen was different. He had to ensure the safety of funds, otherwise the business would be impossible.

Thinking of this, Yao Liang was as big as a big deal. It was impossible for the bank to let this point. As for Zhou Liwen, there is also Zhou Liwen's bottom line. How can the two sides reach an agreement? If the agreement cannot be reached, wouldn't his efforts over the past few days be in vain? And according to his knowledge, cooperation with Shanghai Bank is the most likely to be successful. If even Shanghai Bank cannot cooperate, then this matter will be completely ruined. As for the villa that he had not yet obtained, it would definitely fly like a cooked duck.

"Brother Zhou, how about you give in a few more steps?"

"Concessions, how to make concessions? They can also make concessions! Do you just want me to give up on my loan interests? Isn't this a joke?" Zhou Liwen asked back.

Yao Liang frowned and thought hard, and after thinking for a long time, he slapped his thigh and said, "Yes! Brother Zhou, do you think this is OK? Let the bank increase the interest rate. As for the loan sharing, you just don't want it. This means that you have the money in the bank and there is no risk. Whether it is lending, the bank makes a profit or loses, it has nothing to do with you."

"Just! How much interest can be? I said, brother, you are a credit-based person. Can the current interest be compared with the loan income? If you only get interest, I am afraid that I can't even guarantee the operating cost, so why do you want to make money?"

"Don't worry, Brother Zhou, can you negotiate the interest ratio?" Yao Liang quickly explained: "Of course you won't find normal interest calculations, which is definitely not good for you. But it may not work according to the loan calculation. After all, loan is just a temporary act, right? Let's wait outside first, I'll talk to President Su and others first, and try to give you a ratio that both parties can accept? I think it's the most appropriate to do this. You don't need to take risks, and the bank can't stop it because of the loan issue. Isn't this the best of both worlds?"

"It seems to make some sense, but do you think this can work?" Zhou Liwen asked hesitantly after thinking about it.

"It should be OK. I'll go in and ask now. Brother Zhou, wait!" Yao Liang saw Zhou Liwen's intention and quickly greeted him and ran to the private room.

"Haha..." Zhou Liwen smiled as he looked at his back as he walked away, took out a cigarette and lit it, as if he didn't care about his previous persistence, and looked confident.

(New January! Continue to ask for various votes! Thank you for your support!)
Chapter completed!