If the bank doesn't change, we will change the bank. What does this mean? Who is "we" in this sentence? Why are you so angry?

Two years ago, Ma Yun, chairman of Alibaba's board of directors, released a bold statement: "If the bank does not change, we will change the bank." This sentence has not been taken seriously by many financial institutions, who think it is just a joke. Today, however, they may not be able to laugh. In just five months, Yu 'ebao absorbed more than 654.38 billion yuan in deposits, with an average of 660 million yuan per day. Internet companies such as Baidu, Tencent and Netease are also robbing users with attractive yields. The annualized rate of return is 5%, 6%, 6% plus 5% cash subsidy, and they even grab the market from their own pockets. Relatively speaking, banks that used to sit on Mount Tai are facing the embarrassment of deposit loss. According to media reports, in June this year alone, 5438+ 10, the deposits of the four major banks lost 700 billion. An employee working in a large state-owned bank revealed that the account manager who had been sitting in the office waiting for depositors to come to the door had to lower himself and go to the streets like an internet company to promote sales and attract customers.

Ma Yun is indeed qualified to speak. If the bank does not improve the current payment method, we will make a better and more convenient payment method. Banks will also be forced to change under pressure. In many ways, the current bank demand is extremely low, it is not convenient to set a fixed period, and the operation is very traditional. Ma Yun did better services than banks, such as Yu 'ebao, which suppressed the interest of banks and forced them to change.