After Song Yi arrived, Zhao Yi asked him to sit down and personally made him a cup of tea, which made Song Yi feel a little on edge.
To be honest, Song Yi didn't actually know much about Zhao Yi. The number of times they met could be counted on one hand, so he didn't understand Zhao Yi's temper.
"Mr. Zhao, if I can trouble you to make the tea yourself, why don't I hire a secretary for you? In the future, the secretary can also do these small things." Song Yi quickly took the teacup from Zhao Yi's hand and suggested with a smile.
"Oh~~, I can't come here more than a few times a year, so don't waste money. Although Minsheng Bank has a lot of funds, it still needs to spend money wisely.
Moreover, if you recruit a secretary, you won’t have many opportunities to practice. Wouldn’t this delay someone’s improvement? If you don’t want one anymore, what will you ask them to do? It will be a waste of several years of youth. " Zhao Yi responded with a smile.
"What Mr. Zhao said is that Mr. Zhao is looking at the long term." Song Yi said quickly.
"Don't be so reserved. Anyone who knows me well knows that as long as I do my job well, I usually don't cause trouble for my subordinates. You will understand when we get along with each other more in the future." Zhao Yi pressed his hand to Song Yi, said.
Song Yi originally wanted to say something to express his loyalty, but was interrupted by Zhao Yi's hand pressing action, so he did not continue.
“I’m coming here this time. Firstly, it’s been a while since I’ve come to take a look. I made some plans when we were first established to see how you’re executing.
Second, because there are some things happening now, I hope you can provide some help and play a leading role. " Zhao Yi said.
Although Zhao Yi holds the majority of the shares of Minsheng Bank, it can be said that Minsheng Bank is actually a company owned by him. However, it is a joint-stock system after all, and the other shareholders are the government and major banks, all of whom are a group of people with powerful means.
So when looking for help from Minsheng Bank, Zhao Yi still talked to Song Yi based on the expectations of the negotiation. Although Song Yi was recommended to the position by himself, after all, he represented the interests of Minsheng Bank, not just the interests of Zhao Yi.
This is also the reason why Zhao Yi particularly doesn't like to divide his company's shares. Some things are very troublesome to deploy and cannot be discussed in detail, which delays his time. It is not entirely because he is afraid of dividing his own interests.
Of course, this is for a rule-abiding person like Zhao Yi. If he doesn't follow the rules, since he is the absolute majority shareholder, he still cares about the interests of the small shareholders and teaches them how to behave in a minute.
In addition to Zhao Yi being more disciplined, one of the main reasons is that Zhao Yi wants to set a benchmark in the domestic business community so that other junior businessmen can learn from it and not be so unruly and ruin the entire business environment.
"I just tried withdrawing money from the ATM below and found it to be very easy to use. This machine has met my expectations. How many have you deployed across the country now?" Zhao Yi asked.
"For the time being, we have deployed cash machines and business outlets together, instead of deploying them separately. After the deployment of business outlets is completed, it will not be too late for us to consider deploying cash machines and other equipment separately." Song Yi said.
"It is also a safe way. How many business outlets are there in the country now and what is the coverage?" Zhao Yi asked.
“Mr. Zhao’s plan goal at the board meeting a year ago was to have 10,000 business outlets. Due to the tight schedule and the need to carefully select the addresses, only 1,500 business outlets have been deployed across the country.
Mainly deployed in large and medium-sized cities, small cities and counties have not yet begun deployment. "After Song Yi finished speaking, he glanced at Zhao Yi.
This amount is far different from the plan at the board of directors meeting years ago, and I am afraid that it will cause Zhao Yi's displeasure. After all, it was Zhao Yi who passed the decision against all the opinions.
"The time is a bit short. It's good to be able to achieve this level. Apart from the problem of site selection, what other difficulties are there?" Zhao Yi asked.
Hearing that Zhao Yi did not mean to blame, Song Yi continued: "In addition to the issue of location selection, the other issue is employee recruitment.
Although the skill level required by front desk staff is not high, they still need to have certain financial knowledge and must be familiar with domestic banking laws and regulations.
Looking at it this way, the requirements for candidates are actually quite high. They need at least a high school degree or above, and after they are recruited, we also need to train them in relevant skills and legal and other related knowledge.
It is doomed that we will not be able to have enough skilled employees in a short period of time. "
After listening to Song Yi's words, Zhao Yi nodded. This is indeed to the point. Qualified employees are a big problem, especially bank employees. People cannot be sent there casually.
These are ordinary front desk employees, such as those responsible for credit and other corporate business in branches. They need to have more professional knowledge of finance and banking, and must have a bachelor's degree or above.
Otherwise, there will definitely be a lot of bad debts, causing losses that cannot be undone even if these employees are brought to justice, so no one can be too cautious in this regard.
"Have there been any problems with other companies that are cooperating with your expansion, such as whether the ATMs of Precision Instrument Company are in supply, whether the systems of Fanxing Software Company are in place, and whether there are network problems, etc." Zhao Yi asked.
"There are no big problems with these. It only took Precision Instrument Company a month to develop the required machines, and the current production capacity can fully keep up with our expansion speed," Song Yi said.
Except for Precision Instrument Company, which was temporarily added to the task, Fanxing Software Company's main business was enterprise management system software. As the most profitable banking system, they actually started related research and development work early on.
It’s just that no opportunity has been found. Banking systems generally do not easily replace their business systems, and Fanxing Software Company cannot gain the trust of these financial institutions internationally, especially the trust of large financial institutions.
Although their relevant systems are ready and the technical level is much higher than what they use, they still have not entered this field.
As for domestic banks, Fanxing Software Company can enter, but the cost of a complete system is too high, at least for the domestic banking system.
Moreover, Fanxing Software Company has not proven itself in the banking system field, so this matter has been stranded. It was not until the establishment of Minsheng Bank that they were given a chance.
In addition to the fact that Fanxing Software Company has not proven itself in the bank management system and cannot gain trust, the main reason is that their bank management system needs to be installed on a new operating system.
This is a system specially developed by Fanxing Software for high-security enterprises such as banks. It is not retailed to the outside world. If you want to use Fanxing Software's banking system, you must abandon the previous operating system.
Then all the management systems that were developed around the old operating system need to be abandoned and all products of Fanxing Software Company will be used. The cost is very high.
This is because Minsheng Bank has just been established and has no foundation. It is very suitable for introducing the products of Fanxing Software Company without worrying about the cost of replacement.
As for Polaris' servers, they are all ready-made. Polaris, which can build supercomputers, wants to build a high-quality server. It is not too simple.
Network problems are no longer a problem. After the signing of the national welfare contract, Hengtong Communications Company began to accelerate the construction of a national high-speed information network, and its investment was more than ten times that of before.
In other words, Hengtong Communication Company originally planned to use about ten years to slowly improve the domestic high-speed information network, but now it only takes one year to almost complete it.
Hengtong Communications Company has spent a lot of money. Considering such a fast construction speed, it will take who knows how many years to recover the costs. It could have been possible to recover the costs while building.
However, Hengtong Communications Company did not enjoy these subsequent benefits, because their business was about to be transferred to China Telecom Company. In other words, they did not enjoy the coolness of the trees they planted.
"Well, my Shangtong Trading Company is now building sales terminals all over the country. They are very familiar with the situation across the country. You can entrust your site selection to them.
You can even directly use the space they have built. If it is a business outlet, it is best to rent it. If it is a branch, let them help you choose the land to build the building yourself.
You can just negotiate on your own as to how to do this.
As for employee training, I will prepare a staff training system for you later, which will definitely be much more efficient than your current training. You only need to be responsible for practical training. " Zhao Yi said.
Hearing Zhao Yi's words, Song Yi looked at Zhao Yi doubtfully. This was so unreliable. Could it be that an employee training system could solve what they thought was a long-standing problem
"Whether it's effective or not, you'll know if you try it. If it doesn't work, it won't cost you. Just go back and find the China Education Company. This company is responsible for education." Zhao Yi said with a smile.
If you were a sole proprietor, you would just give it if you gave it, and it would not matter. But now Minsheng Bank is not a sole proprietorship, so it is necessary to calculate the accounts clearly.
After talking about these things, Zhao Yi needs to communicate with Song Yi about the issue of the online payment system. Whether Xinghan Technology Company's online payment system can be developed in the country, bank support is a very important part.
And Minsheng Bank is an important part of whether domestic banks readily agree. As long as there is the first one to eat crabs, the following banks will no longer be so resistant to this cooperation.
After Zhao Yi talked about the online payment system being developed by Xinghan Technology Company, he hoped that Minsheng Bank could support Xinghan Technology Company's plan.
"Now that the Internet is about to be launched, an online payment system, as one of the important foundations of the Internet economy, must be built, and the bank accounts in the hands of ordinary people are different and come from different banks.
Therefore, the online payment system was born, which is very necessary to unify domestic Internet payments, and a unified online payment system can effectively protect the account security of netizens. " Zhao Yi said.
In fact, this is just a formality. If Minsheng Bank was not a joint-stock bank, Zhao Yi wouldn't need to come here in person, he could just make a phone call.
Song Yi naturally had no objection to Zhao Yi's request for "help" and said that he would fully cooperate with Xinghan Technology Company's actions and would not delay the completion of the plan.
After talking about this matter, Zhao Yi basically completed the purpose of this trip. Seeing that there was not much time, Zhao Yi asked Song Yi to take him to the following branches and business outlets to see their operation conditions. how.
Zhao Yi and Song Yi visited several branches together and found that everything was operating normally. The only thing that was different from other banks was that there were many modern equipment in use.
Moreover, Minsheng Bank has also taken a step ahead of the Bank of China and fully used bank cards to replace the original passbooks. This is a step of great historical significance in our country. In the future, if you hold a bank card, you can use it to make purchases like abroad.
Of course, this is also due to the development of IC chips in our country. In fact, Tianxing Semiconductor has been able to develop this technology for a long time, but there was no strong demand before.
However, when Zhao Yi felt that he had some potential to enter the banking industry, he began to ask Tianxing Semiconductor Company to develop related IC chip technology, with the purpose of hoping that Minsheng Bank would issue bank cards from the beginning.
And if you want the deployed teller machines and deposit machines to function, you must use bank cards, and passbooks cannot use these machines.
In fact, my country's first bank card in the previous life was issued by the Bank of China in 1985. Without Zhao Yi's intervention, the Bank of China also began to issue bank cards in this year.
After handling the matter here, Zhao Yi flew back to Kyoto overnight. As for the situation at the four major banks, Zhao Yi also temporarily put it down.
Staying at home, Zhao Yi began to write an intelligent Pinyin input method, which was specially prepared for novice Internet users. Otherwise, it would be too difficult to access the Internet. First, he had to memorize the root words. Those with poor memory would have no hope of accessing the Internet.
This job was too simple for Zhao Yi. It only took him a day to set up the framework of the software. The remaining work was to add things to the vocabulary, which he didn't want to do.
Therefore, after the development of this software program was completed, it was left to Fanxing Software Company and let them complete the follow-up work. Fanxing Software Company can definitely do this kind of physical work well.
The next step is what Zhao Yi considers to be the most important task, which is writing security software. The Internet has not yet been officially launched, and everyone does not have a clear understanding of Internet security.
But as someone who has experienced it, I know very well that no matter how good the software design is, there will always be security issues. Therefore, if he does not destroy the prestige of Fanxing Software Company, sooner or later their operating system will be broken by hackers who have nothing to do.
This is why Fanxing Software Company has specially prepared an internal operating system for those banks, just to raise the security level by several levels. The architecture is completely different from that of ordinary PCs.
In this case, ordinary hackers will not have access to this system, and there will be no inexplicable attacks. As for well-known hackers, it is impossible to block it with just a system.
Therefore, Zhao Yi had to write a set of security software by himself, and he did not want to use the so-called security software that others had created, but directly launched intelligent security software.
The use of artificial intelligence technology makes security software more intelligent in terms of attack prevention and final analysis. It also has better analysis capabilities for some unknown viruses, and can deal with these viruses in the first time.
In fact, viruses are still relatively basic hacking methods. More advanced hackers use system security vulnerabilities to attack. Such attacks are often more difficult to defend against than viruses.
Therefore, the security software he wrote also needs to have a software security diagnosis function. Vulnerabilities with obvious security risks will be automatically included in the supervision and the user will be prompted.
It's not that this security software can't automatically block the loophole, but it's possible that the loophole was intentionally left by the user, so it will be included in the supervision and users will be reminded of the existence of this loophole.
If the user clicks Ignore, the security software will perform data analysis on the vulnerability, put dangerous data and commands into the quarantine area, and warn the user again. As for the subsequent operation, it will be left to the user.
If you are a novice, you can completely entrust the management to the intelligent security software. They do not need to perform any settings and management, which is very convenient.
This security software is said to be intelligent, but it is not actually a real artificial intelligence. It is far from the basic artificial intelligence written by Zhao Yi.
However, if a personal computer wants real artificial intelligence, it cannot run it. Therefore, this intelligent security software is actually a pseudo-intelligence, which is only highly intelligent after being written by Zhao Yi.
However, if it is connected to Zhao Yi's primary artificial intelligence, basically no hacker can break through network security. However, if you want to buy this level of security protection, the price is much more expensive, and ordinary people cannot afford it.
Only large enterprises can afford it. Each set starts at hundreds of millions of yuan. It depends on how many computers and servers the entire company has. Moreover, it is charged annually.
Sometimes, when you have skills, you just want to sell them at a high price, and people still demand you. But Zhao Yi likes to do this kind of thing, and he makes money without hesitation.
This is also the reason why industrially developed countries can cut the world's leeks, because they can produce high-tech products that others cannot produce, and less developed countries have no other choice but to buy from them.
In addition to the intelligent security software, the remaining two tasks are simpler and do not require him to spend too much time, namely the intelligent text translation software and the intelligent customer service system.
To say that these two will not take him too much time is not to say that the technical level of these two is not high, but that the foundation has been used before and only needs a few changes.
Like intelligent text translation software, you only need to streamline it from the intelligent translation expert system, which reduces professionalism and improves entertainment. It is very suitable for use by ordinary Internet companies.
This is prepared for the future expansion of overseas business by its own Internet companies, such as instant chat software. After embedding this translation software, there will be no barriers to personnel communication around the world.
With this advantage, to be honest, Xinghan Technology Company already has the potential to become a global social giant. As long as they don't make obvious mistakes, the social giant will basically be on their heads.
When search engines or portal websites embed this translation system, it is very convenient for netizens around the world to easily browse news from various countries around the world, completely getting rid of language barriers.
As for providing this service to others, Zhao Yi has no such plan for the time being. Compared with the annual licensing fee, it is more practical to help his own Internet companies develop into international giants.
The most important thing is that these black technology-like technologies are the competitive advantages of one's own companies and other companies. Unless one's own company determines its absolute advantage, it will not open to the outside world for authorization.
The intelligent customer service system is to integrate the resources that were previously owned, but Zhao Yi still needs to write an integration framework, but this workload is not much.
One of the most important components of intelligent customer service is natural language processing. Zhao Yi has a solid foundation in this area and can basically complete it by combining intelligent translation experts with speech systems.
Then there is the need for intelligent customer service to handle problems like human behavior. This requires intelligent customer service to undergo training related to human behavior and human psychology. This work is a little more troublesome.
As for the coding work, it can be completely left to the junior artificial intelligence. He only needs to set up the system framework. (End of chapter)