Chapter 224

(I'm sorry, I'm delayed today. I'm not at home all day. I didn't expect 4 chapters to break out, and 5 chapters of Cui Geng ticket... Well, thank you for your support in a word!)

After receiving Lin Feng's call, Liu Yingying immediately rushed to Beijing from Shanghai to attend the press conference co hosted by ICBC. Before Lin Feng came to Shanghai, Liu Yingying knew that Lin Feng's visit to Beijing was mainly to discuss the B2B online payment service alliance and broaden the payment channels of Dingdang. But she didn't expect Lin Feng, no, maybe ICBC's boldness.

At the press conference, President Jiang cautiously announced that ICBC and Dingdang will cooperate to form a B2B online payment service alliance and launch a new "e-shopping card" to facilitate all users of Dingdang to make online shopping more convenient, fast and safe. However, this is not the point. The point is that all people can only apply for an "e-buy card" with their ID card, corresponding to a Dingdang account number, and ICBC will cooperate with Dingdang to supervise its account consumption. At the same time, ICBC will also send full-time personnel to join the arbitration panel of Dingdang to conduct reasonable arbitration on disputes arising from online transactions.

At the same time, Mr. Jiang also announced that ICBC will record all transactions of all users with "e-buy card" on dingdang.com, and make reference evaluation on all loan applications of ICBC where their users are in the future. In other words, if a member of dingdang.com has a low evaluation in the transaction of dingdang.com, ICBC will reject the loan business he applies for in the future because of buying a house and a car, and classify it as "untrustworthy user".

The announcement of this article shocked all the reporters present, but what is more shocking is still behind.

Jiang Xingchang also announced that "e-buy card" will carry out loans of different amounts according to users' consumption quota on Dingdang. That is to say, "e-buy card" is equivalent to "credit card" to a certain extent. It can be used for overdraft consumption, and it can be paid in installments without too much proof. You don't need to be as complicated as applying for a credit card in real life. As long as you have a good consumer evaluation on Dingdang, you can apply for "credit overdraft" and installment service. Of course, the premise is that you can only buy things on Dingdang.

For this point, it can be said that the whole audience was in an uproar and questioned whether ICBC was too aggressive. Although credit cards have been introduced in China for a long time, they are not popular. The most important reason is the repayment ability. Now, industrial and Commercial Bank of China United with dingdang.com to launch the "e-buy card" similar to the credit card. Are you not afraid that these users of dingdang.com will refuse to repay after malicious overdraft? Even if you fight a lawsuit, but in the face of malicious overdraft all over the country, Dingdang members, this is definitely a long lawsuit.

Lin Feng and Jiang Xing are quite sure of the guesses of many reporters. At first, when President Jiang put forward the plan, Lin Feng was quite shocked and even thought it was a bit incredible. But it is true that, as President Jiang said, "e-shopping card" can improve the security and fairness of online shopping to a certain extent, and urge the normalization of domestic online trading market to a certain extent, and crack down on online fraud.

As for malicious overdraft, it is not so easy to stimulate the credit conditions of "e-buy card".

First of all, "e-buy card" everyone can only apply for one by virtue of ID card, and can not apply repeatedly; Second, only when the consumption of Dingdang reaches a certain amount and has a certain credit evaluation, can the buyer apply for credit overdraft.

For example, the most basic one star card can only overdraw 100 yuan. But if you want to achieve the one star card, you must spend more than 10 times in Dingdang, and the purchase amount is more than 1000 yuan, and the praise rate is more than 95% before you can apply. And want to achieve two star card, overdraft 200 yuan, must consume 20 times above, purchase amount exceeds 2000 yuan. By analogy, the higher the level of "e-buy card", the greater the overdraft amount. However, due to the initial introduction of this credit card limit, the temporary maximum limit will not exceed 1000 yuan.

Although this still can't guarantee that no one will overdraw maliciously, President Jiang has calculated that among the successful buyers of Dingdang, the malicious overdraft rate will never exceed 5%, while in developed countries, the malicious overdraft rate of credit cards will at least exceed 7%. Compared with each other, President Jiang thinks that the "national credit" plan is extremely feasible.

Of course, in order to cooperate with President Jiang's plan, Liu Yingying has also reached an agreement with all the sellers to offer different degrees of discount for the "e-buy card" level. From one star card to ten star card, there are ten levels, from the lowest 1% discount to the highest 10%.

At first, these sellers were not willing to offer a discount. Even if they offered a 1% discount, they wanted to earn less, but Liu Yingying told all the sellers to shut up——

Do you want to earn one person's 100 yuan, or do you want to earn 100 people's 1 yuan? The seller is not a fool, so you can tell the difference. Admittedly, it seems that they have to offer a discount on every commodity, but as long as the business is good and more people buy it, the loss will naturally come back. Small profits but quick turnover is the truth. As for whether the seller will increase the price and give preferential treatment, Lin Feng doesn't care. The biggest advantage of online shopping is that you can shop around three, no, at least ten or a hundred.

As for the news of "e-buy card" launched by dingdang.com and ICBC, it soon spread all over the country, with different praises and criticisms. Many netizens jumped out and denounced ICBC for being too overbearing to link their online consumption behavior with reality, believing that it violated the legitimate rights and interests of consumers.

This is supported by some users of Dingdang. Com, but more of them are abusive. If you abide by the law and trade in good faith, this clause does not constitute any conflict of interest. On the contrary, it is of great benefit to normalize the online shopping market.

Jiang Xingchang also vigorously refuted the comments of these netizens, stating that whether in online consumption or in real life consumption, honest trading is the first principle. Especially with the rise of online trading platforms such as dingdang.com and ebay.com, Jiang xingchangxiangxin's future online shopping will be the trend and become an indispensable platform in people's life. This platform must be clean and standardized, and as long as it involves interests, it is far from enough to rely on moral constraints, which must be constrained and standardized by compulsory means.

President Jiang's statement naturally won the approval of the vast majority of sellers and buyers. He also welcomed the launch of "e-buy card", believing that it is a good thing to benefit the country and the people. Moreover, opening "credit overdraft" is not so cumbersome, as long as it reaches the credit evaluation. In particular, the installment payment is approved by all the members of dingdang.com. However, the only complaint of these members is that the credit limit is too low. However, President Jiang said that this is only a trial period. Once it is feasible, the credit line will be increased.

Of course, in order to avoid vicious overdraft, it also states that it will take legal measures against any malicious overdraft user, even if he only overdraw 100 yuan.

Of course, no matter what tough measures are taken, malicious overdraft is inevitable. Therefore, Lin Feng's dingdang.com and ICBC bear 40% and 60% of the possible losses arising from this "national credit" plan. Similarly, the profits generated by dingdang.com are 20% of the dividends and ICBC gets 80% of the profits.

For Lin Feng, this "national credit" plan can be described as both fame and wealth. It can not only further consolidate the status of Dingdang in the domestic online trading platform, but also increase the daily trading volume of Dingdang, and share 40% of the profits. Lin Feng believes that once this plan is successfully run, it will become an important profit point of Dingdang in the future. For Mr. Jiang, as long as the "national credit" program is successful, he will become a legend in China's banking industry and be praised by "the top".

Perhaps, in the future, President Jiang's only complaint about this plan is that in the agreement signed with Lin Feng at that time, too much dividends were paid to dingdang.com. He's still too conservative and not bold enough.

Other domestic banks are noncommittal about the "national credit" plan jointly launched by President Jiang and dingdang.com, and have not expressed their attitude, but they are observing to see its feasibility. However, at the beginning of its listing, the "e-buy card" was claimed 100000 pieces, and its popularity is far beyond the expectation of major banks. Moreover, Lin Feng also announced that Dingdang will only adopt one transaction way, namely, the transaction means of bank supervision. In other words, in the future, all transactions of Dingdang will only be carried out among users with "e-buy card", This gives other banks a deep chill. I began to hesitate whether to join the "national credit" program.

Industrial and Commercial Bank of China applies for and sends an electronic password card free of charge, which also promotes the speed of acquiring "e-buy card".

Lin Feng doesn't know what the chief executives of the major banks think, but this time his bank in Beijing has gained a lot, and he has obtained the lowest interest rate loan, and the loan of 300 million yuan is also a lot.

"Lin Feng, what do you think of this" national credit "plan? Are you not afraid of risks?" Liu Yingying was still surprised by the "national credit" plan.

"Ha ha, this is mainly the idea of President Jiang. We are just the partners he chose. If it wasn't for the fact that Dingdang is the largest online trading platform in China, I think he would choose other partners as well. " Lin Feng said calmly.

"But the risk is too big. In China, you know, credit card overdraft is very serious, and many people are..." what Liu Yingying means is clear to Lin Feng. Many people in China are not afraid of lawsuits even if they don't pay back their debts. This kind of rogue behavior is really hard to deal with.

"Ha ha, Yingying, actually President Jiang also asked for the above opinions this time. Otherwise, you really think he dares to make such a big decision. " Lin Feng was also surprised at President Jiang's decision at first, which was incredible. I didn't hear about it before I was reborn. I don't know if it was because of the butterfly effect after I was reborn. But in any case, President Jiang's decision is very bold and bold, but it does have a certain feasibility, and Dingdang has taken 40% of the risk.

But Lin Feng is not too worried about this. This is definitely a good attempt. At least in dingdang.com, the buyers who trade more than 10 times and the transaction amount reaches more than 1000 yuan are mostly trustworthy consumer users, with only 100 yuan, not worth their risk of overdraft. After all, an ID card can only apply for one "e-buy card", and it can only correspond to one Dingdang account. In particular, Lin Feng's 10 star rating will not let these people who have the ability to spend on the Internet overdraft maliciously. On the contrary, maybe the ten star rating will become a proof of their identity, their credit, and to a certain extent, their personality.

With satisfaction, Lin Feng returned to Shanghai. There is also good news waiting for him here. Wu Zhaopu has already established the "second world" Taiwan Branch in Taiwan, and has carried out the first remote synchronous transmission. The result is very gratifying. Now Lin Feng's loan is in place, so the company does not have to worry about the shortage of liquidity. It can officially launch the "Asian Internet program", and the branches in South Korea and Japan can start.

But what Lin Feng didn't expect was that a troublemaker had been waiting for him in the villa.

"Brother Lin, I'm here again!" Seeing Allegra, Lin Feng had a headache. But just ask her about Li Zhiyou and Versace's Asian endorsement（ To be continued, if you want to know the future, please log in www.qidian.com , more chapters, support authors, support legitimate reading!)