Information > General article > Raiders channel > Novice loan >  text

Was jointly strangled by the four major banks. Ma Yun called the most difficult and proud moment of Alipay.

Time: 2014-03-24         Source: China Securities Journal         Author: China Securities Journal

        On March 23rd, Ma Yun, the chairman of Alibaba Group’s board of directors, just published an article on the Alipay Group’s board of directors, saying that it is the most difficult for Alipay. The moment is also the most glorious moment." "The four kings are banned. Although Alipay is defeated and glory, although it is still alive, the decision to win or lose the market should not be monopoly and power, but users!"

  Construction bankOn March 22nd, its users were reduced through online payment and purchase through Alipay Express.Yu BaoThe amount of the quota has been reduced from the original single 50,000 to 5,000. A week ago, ICBC, Agricultural Bank of China and Bank of China had already lowered the amount of payment that users used to pay for Alipay. Among them, ICBC's quota has been reduced from the original single 50,000 to 5,000, and the monthly limit has been reduced from 200,000 to 50,000. Bank of China and Agricultural Bank of China reduced the quota from the original single 50,000 to a single 10,000.

For the reason of lowering the quota, the reason given by ICBC and ABC is “to protect the safety of user funds”. However, the industry generally believes that the root cause of the recent four major banks may be that the innovation of Internet financial products such as Yu'ebao has touched the interests of the four major banks.

The four major banks have restricted the purchase amount of Yu'ebao products by reducing the payment amount of Alipay's express payment. Other services such as online shopping and repayment related to fast payment have also been greatly affected. Use Alipay with ICBC usersCredit card paymentsFor example, after the quota is lowered, it means that if the user wants to pay the credit card by quick payment, the single operation can only repay 5,000 yuan. Suppose the user has to pay 20,000 yuan for his credit card, and must operate 4 times to complete.

It is reported that the "four big banks" this move caused dissatisfaction of all users. A large number of users believe that how to use bank card funds is their own right, and banks have no right to interfere. For example, the famous writer "Six June" published a microblog on the 20th to express "disqualification" dissatisfaction. This Weibo is currently being forwarded nearly 2,500 times. Some netizens have also questioned this: "The money is its own, and the bank sets the conditions by virtue?"

Ma Yun encouraged Alipay at the end of the article. "You can! Reform, innovation, hope, dream... You must be!"

Attachment: The following is the full text of Ma Bao's "coming and going":

Alipay, please hold it!

Yesterday, the four “state-owned” banks of industry, agriculture, China and China established concerted actions to force depositors to limit the amount of funds transferred to Alipay.

The market does not believe in tears, the market is not afraid of competition, and the market is afraid of unfairness. The four kings joined forces to block, although Alipay was defeated, although it was still alive, but the decision to win or lose the market should not be monopoly and power, but users!

Although thousands of people are going to squat. Alipay, at the right time? Dead to death?

I don't know who gives power to the bank, it can hurt the depositor's power to control his own funds. I don't even know who will supervise the legitimacy of the joint ban on the four "national hand"? Some international friends said: Unheard of the world, incredible.

Third Plenary Session? The mass line? Two resolutions?

Alipay, this is your most difficult moment and the most glorious moment!

you can! Reform, innovation, hope, dreams. . . You must be able to!

[Exclusive Manuscript and Disclaimer] Any work, such as "360 Original", without the written authorization of 360, may not be reproduced, extracted or otherwise used by any unit, organization or individual. If you have been authorized in writing, please indicate the source of 360. Anyone who violates the above statement and infringes on the legal rights and interests of Rong 360 shall be investigated for legal responsibility according to law. The materials and conclusions in the works are for user's reference only and do not constitute operational recommendations. To obtain written authorization, please send an email to:

Comment list (user comments are only for users to express their personal views, does not mean that the site agrees with its views or confirms its description)
you may also like
  • No one can beat Ma Yun? Alipay encounters it but has to stand by  Recently, the State Grid issued a document requesting all localities to promote the national grid's own payment app e-po, and establish the dominant position of e-po in paying electricity bills. The document mentions the consideration of closing third-party electricity bill payment interfaces. The closure of the third-party electricity bill payment interface means...
  • In order to crack down on Alipay's four major banks, Ma Huateng increased the amount of particulate loans by up to 300,000.  Recently, Alipay has become more and more popular, and Ma Huateng and the banks have become jealous. Recently, the major media, like fans of Ma Yun, have vigorously promoted the Double Eleven and Double Twelve for Ma Yun. This can save Ma Yun's advertising costs a lot. But recently, Ma Huateng has tried to fight Alipay...
  • Gold on Thursday, big bank credit card to fight back which is the most affordable?  The eleven long holidays are coming, and many consumers choose to travel to spend the golden autumn. At this time, due to the strong consumer demand of consumers, it is also the time for credit card competition activities of various banks. The reporter observed that many banks have already launched in the first half of the week...
  • My mortgage story: I have passed the hardest moment  In today's China, it is not easy to have a place to live. Housing prices are rising, many people are sighing, and the speed of their own money will never catch up with the speed of house prices. So, some people are old; some people become slaves. As a former house slave, recalling the original...
  • The four major banks entered the first time P2P funds joint depository program frequently  The mode in which banks and third-party payment institutions jointly provide depository services for P2P platform funds has recently appeared. Yesterday, the P2P platform in Shanghai announced that it had cooperated with CCB and Fuyou Payment to carry out the deposit and deposit mode of banks and third-party payment. This is also...