From today onwards, Alipay has no actual controller, and this change is like a watershed, clearly separating the past era from the future era. This turning point means that some of the opportunities of the past are a thing of the past, and new boundaries are being firmly drawn.
According to the information released on the official website of the central bank at 18:23 pm on December 30, 2023, we learned that the central bank issued the Yinxu Xu Zhi Zi [2023] No. 189 document, agreeing to the change of Alipay (China) network technology to no actual controller. This decision is like a ray of light, announcing the dawn of a new era. Let's pause our impatience and listen to the story behind this change. This decision was not accidental, but the result of careful consideration. Its impact is far-reaching and widespread, and will pave the way for future developments. This change in Alipay is like a picture scroll slowly unfolding in front of us. It indicates new opportunities and challenges, as well as infinite possibilities for the future. We look forward to the arrival of this new era, and look forward to Alipay to bring us more surprises and possibilities in the future. 
Alipay's decisions are no longer influenced by any individual, whether it's a horse or something else, but by a large and complex collective decision-making process. To put it simply, whether it is Alipay, Ant Group, or Hang Seng Electronics and Cathay Pacific Property Insurance, which are closely related to them, they no longer belong to a specific individual or surname. They belong"Everyone"Yes"Everyone"Alipay, yes"Everyone"of ants.
You and I know the person this "everyone" refers to. As for me, I am not among these "everyone", and I can't share a single trace of Alipay's profits. I wish you were one of them, but you're probably not one either. This is a news that has caused the most in the industry, and the release time has been carefully selected, and it will be released on the evening of December 29 and December 30 respectively.
Approaching the end of the year, I rushed to get off work again, cleverly avoiding the attention of social animals like you and me, who had been busy for a year and tired all day. The story behind it, the message it conveys, and the revelations it gives us, I hope you can understand.
Next, I will sort out the key information for you: for the sake of subsequent description, I will refer to Alipay, Ant Group, Cathay Pacific Property & Casualty, and Hang Seng Electronics collectively as "Alipay". I hope you will be patient with the reading.
First, there is the ins and outs part, if you are already familiar with it, you can skip it directly and look at the meaning and subsequent impact part:
When Alipay really began to hope to become an epoch-making enterprise, it was not when it provided a strong binding collection and payment business, but when it began to appear in the wealth management business represented by Yue Bao;
At that time, it was really easy for various banks, led by the big four, to make money. 3%, or even 2% (current) less than the money received by interest, can be released with 10%, or even 15% interest, tears to earn a maximum of nearly 10 times the profit. At that time, a teller in the four major banks was often paid several times a month, and a branch president could earn an astronomical amount of money
At this time, Alipay's wealth management products were born, and the quasi-current interest rate can be close to 7% when it is the highest, and the maximum fixed interest rate can be close to 10%. As a result, some people began to realize that the original interest could be given so high, and Alipay began to frantically absorb funds;
In the case of giving such a high interest, please note that Alipay is still profitable, and it does not make a lot of money, and there is basically no situation where it cannot be redeemed, which shows how profitable the original banking business is;
As a result of the crazy outflow of funds, the four major banks soon couldn't sit still and began to join forces against Alipay. That is, the national team and the grassroots team officially start the war. On the bright side, what we see is a series of operations, including restricting the amount of funds that depositors can turn to Alipay, setting up cards in Alipay's various quick payment interfaces, extensively questioning Alipay's security, and refuting Alipay's so-called "innovation" theory
What we can't see secretly is that for various reasons, the interest that Alipay can give is getting lower and lower, and the various interest rates given by the four major banks are also a little higher, and they are getting closer to each other in a subtle way. But even today, the various low-risk deposit interest rates that Alipay can give are still the overall stability of the major banks;
And it was in this process that Alipay's former actual controller surnamed Ma was ready to fight big after having enough stable Alipay users who supported him. If it succeeds, then Alipay will prove that it will become an existence that can officially compete with the four major banks by relying on the astronomical amount of capital and market value (the market value is estimated to reach $313 billion, the largest IPO in history), and he will also become Shen Wansan and even Lu Buwei in the new era
Alipay's listing in the early stage can be said to be smooth sailing, and the capital in the industry is almost optimistic across the board, and the share released in the early stage was snatched up, and all the people who grabbed it basically thought that this was their ticket to wealth freedom;
This wind made the actual controller surnamed Ma float himself, causing Ma Yun to make wild remarks about the country's supervision of the financial industry at the Shanghai Bund Financial Summit, such as the famous sentence "Today's this is not allowed, that is not allowed, that is called a document;
As a result, everyone has also seen that Alipay's listing was urgently halted when almost everything was ready, and then a lengthy fine rectification began. First of all, the shareholding ratio of the actual controller surnamed Ma was increased from 5346% went crazy down to 6028%, directly lost the right to decide Alipay, and then today, there is no longer even the actual controller, Alipay is completely everyone;So why does this change make so much sense?What is the impact on each of us (limited by the platform, the following content may look more awkward, if you want to communicate, please leave a message or add the last *** of the article.)
Alipay is the most likely company to challenge the invisible hand with its strength. The complete failure of its challenge also announced that this possibility will disappear completely in the future, and to do business somewhere, you still have to firmly follow the hand, not to go against the hand, let alone think about wrestling with this hand. Whether we choose a company or start our own business, we must think very clearly about this point and don't leave it to chance.
Remember: it may not work with your hand, but it must not work with your backhand, and if you want to break your wrist with your hand, you won't be able to do it right away
In the future, any enterprise that can be achieved in a certain place will have to form a deeply bound relationship with a certain hand. Or that after a certain magnitude, you must choose to lock in that magnitude, or join that hand, and there will be no third choice;
And from the point of view of a certain hand, above a certain magnitude, you will definitely ask your attitude, if you can't reach this magnitude, the main thing is to protect economic activity, and you will not intervene excessively for the time being, and there will even be various encouraging actions, so that you may reach that magnitude;
The former actual controller surnamed Ma once stood at the pinnacle that grassroots children could stand, and it is not an exaggeration to say that it is a land fairy realm that gathers the wishes of all living beings. But in the end, he is a mortal, and his achievements can only be in the sky, not against the sky. And for all living beings, we should always remember to be cautious in our words and deeds, what should be said, not necessarily said, what should not be said, must not be said, this is the way to survive in the new era;
Ordinary people can really change their fate when they take the civil service exam (no need to ask, I don't teach the public *** because the real big money and big opportunities will only be in the hands of the future ;
If you really don't want to take the test, you must have friends who are civil servants around you, so that they can bring first-hand information or provide the most direct help;
For ordinary people, the ceiling will become more and more obvious and solid, and learning to accept fate, or "be at peace with what happens", will be a compulsory course for everyone. Therefore, the body, mind and soul track, which is mainly based on spiritual healing, praying for the afterlife, and mindfulness meditation, will still be on fire in the futureSo, is the money I have deposited in Alipay already safe and secure?The answer, of course, is yes, and it's as safe as depositing money in any of China's large state-owned banks. From then on, any non-profit thinking about these funds should be dissipated.
Finally, I would like to present a precious **, this ** came from the afternoon of March 23, 2014, when the battle between Alipay and the four major banks began to appear. And Mr. Ma, the actual controller of Alipay, posted "Alipay, please resist" on "Contacts", which is even more moving. However, after reading it, let's put it in the depths of memory and go with the wind.