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Well, our motto helps those nations has small business. Which if you have a lot of small business, if you have a poor infrastructure of commerce,
我们的座右铭是帮助那些有小企业的国家，如果这个国家有很多小企业，如果这个国家的商业基础设施很差，
the reason why China e commerce grow faster than America because the American infrastructure of commerce was so good.
中国的电子商务之所以比美国发展得快是因为美国的商业基础设施很好。
You have a Wal Mart, A Mart, whatever mart, everywhere. Cause they don't need it. They do. But for us, we don't have that.
美国有沃尔玛、艾玛、那玛这玛，到处都是，所以他们不需要这个，但是我们没有这么多的沃尔玛。
So, when internet comes, we become the main infrastructure. And besides that, in America, e-commerce is a dessert.
所以，网络时代到来之后，我们成了主要的基础设施。此外，电子商务在美国是一道甜点，
We in China, we're main course, and this is why those nations, if your commerce infrstructure is bad, internet e-commerce would be good.
在中国则是一道主食。这就是为什么说电子商务在商业基础不好的国家更能发展起来。
And for internet financing, same thing. America, you don't have internet financing. Guys, you don't.
互联网金融也是如此，美国没有互联网金融，伙计们，你们没有。
We, China, have. Why? Because our financial system in China is too bad. Where it is too bad, is the opportunity.
而我们中国有，为什么？因为我们的金融体系太差了，太差就说明还有上升空间。
Now China, rural areas, we go to the rural, help the villages. Villages, years ago, no chance, because people don't use PC, too complicated use PC.
现在的中国，在农村地区，我们去农村帮助农民。几年级农村是没有机会的，因为他们不用电脑，电脑太复杂。
Today, everybody have a mobile phone. So villagers, e-commerce internet grow so fast.
而现在人人都有一部手机，所以电子商务在农村也能发展得很快。
So, this is why, maybe Indian, country like Egypt, those with good population, poor infrastructure, young people.
所以，这就是为什么电子商务能够在印度、埃及这样人口多、基础设施差、年轻人多的国家发展起来。
Your nation has a great young people, a lot of. It's great opportunity. We have young people, it's growth.
你们国家有很多优秀的年轻人，很多，这是一个很好的机会，中国有年轻人，才能发展。
But it don't mean old people bad. But, young people, they are the changers. They're the shapers of tomorrow.
我并不是说老年人不好，只不过，年轻人是变革的主力，是未来的塑造者。
We're getting old fast, so we'd better start. Why don't we take the last question from up on the top there?
咱们正快速老去，所以得抓紧时间问问题。最后一个问题由坐在后面的那个人来问吧。
Hi, Jack. I'm going to talk to you. I'm actually from China. I'm from Peking University, for undergrad. I'm now a PhD in Stanford.
嗨，杰克，我想跟你谈一下。我其实是中国人，毕业于北京大学，现在在斯坦福大学读博。
I'm curious about like what's your vision mayijinfu, zhifubao and especially globally,
我很好奇你对蚂蚁金服、支付宝的规划，
Chinese people are trying to do business not only in China but also in the States and also all over the world. People want to invest overseas.
中国人不仅想在中国做生意，还想在美国做生意，甚至是在全世界做生意，想投资海外。
Do you think, like mayijinfu, we can help with capital flow globally?
你觉得，像蚂蚁金服，能够帮助全球资本流动吗？
Yeah, thank you. So probably here, a lot of people don't know about the mayijinfu, Ali Ant Financing. How many people know about Ant financing?
好的，谢谢。这里可能有很多人没有听说过蚂蚁金服，谁知道蚂蚁金服？
Okay. One day, everybody will know, because you will use it. Ali Ant Financing was coming from AliPay.
好的，以后你们都会知道的，因为你们会用它。蚂蚁金服是支付宝旗下的，
It's a payment system, because this was, we found this company year 2004, because people in China talk on the e-commerce.
是一种支付系统，我们于2004建立了这家公司，因为在中国的人进行网上交易的时候需要交流，
They negotiate, they talk, but they don't buy, because they worry about the money. Give him, and this guy run away,
沟通，他们会聊，但他们不会买，因为他们担心钱，消费者把钱给商家了，商家有可能跑路，
or this guy say, well I sent you things. I don't get the money. So I went to all the banks and I tried to convince the banks, can you help me to payment?
但是不给钱，商家又说我把商品寄给你了万一你不给我钱怎么办。所以我去了所有的银行，想要说服它们帮我搞支付这一块。
The banks say, you're business too small, we don't want it. So we have to we built up a very stupid service called Alipay, it's escrow services.
但是银行说：你们的生意太小了，我们不想搞。所以我们不得不整了一个非常愚蠢的服务叫支付宝，一种第三方托管服务。
If you want to buy things from me, you wire the money to Jerry and Jerry let me know, I got a product, got money. So, I sent products.
如果你想从我这里买东西你就把钱转给杰里，然后杰里告诉我他收到钱了，之后我再给你发货。
If you're happy, pay me. Not happy, return the money, return products.
如果你对商品满意，钱就付给我。不满意，退钱退货。
People say, year 2003, they say, this is the most stupid idea I've ever heard. Because why you don't use credit card?
2003年的时候他们说，这是我听过的最蠢的点子，用信用卡不就得了吗？
Guys, we don't have credit cards. So we made that.
伙计，我们中国没有信用卡，所以我才整了个支付宝。
Well, remember, today register users. I mean, just register users, close one billion people using that. And active, I don't tell the number.
跟你们讲，目前我们的用户，我说的是注册用户哈，有将近10亿。活跃用户的话，我是不会告诉你有多少的。
We're so big today on that. And later, becomes the standard payment for China, and then based on that, we have all the datas.
支付宝发展得很快，后来成为中国最主要的支付方式，在此基础上，我们拿到了所有的数据。
We have the datas, we have to build up the credit system for each individual.
有了数据之后，我们就必须为每个人建立信用体系。
How much you buy? What you buy? Is that you pay the money in time and then you sell? All the system.
买了多少东西？买的啥？是否按时付款？发货是否即时？所有这些体系。
So what mayijinfu for the first is try to build up a credit system for China, a trust system.
所以蚂蚁金服的目的视为中国建立一个信用体系。
Without that, small business cannot do business, so today mayijinfu…oh my god it's a private company.
没有信用体系的话小商家将很难做生意，所以现在蚂蚁金服……哦，是一家私企。
It's so big. It's almost, if not big than Alibaba, the same size.
它的规模很大，和淘宝一样大。我很开心，
And I'm happy, because this thing is changing China financial system and we are also applying for licensing in the states.
因为这个东西正在改变中国的金融体系，我们也在申请在美国开分公司。
We are going to a Korea, Japan and the Indian and we think this is going to help millions of people in the world.
我们会开到韩国、日本、印度，我们认为这将帮助数百万人。
