民生銀行董文標 馬雲沒有革命的本事

A top Chinese banker has a message for Alibaba Chairman Jack Ma: You aren't going to destroy us.

中國銀行業的一位高管向阿里巴巴(Alibaba)董事局主席馬雲(Jack Ma)放出狠話：你不要都革命了，你也沒那本事。

China Minsheng Bank Corp. Chairman Dong Wenbiao defended the Chinese banking system to an audience of business executives and economists on Tuesday at the annual Bo'ao Forum in southern China. At first blush, that may seem like a difficult task, as the country's biggest banks have long been criticized insufficient lending to some corners and for piling on fees.

中國民生銀行(China Minsheng Banking Co.)董事長董文標週二在出席一年一度的博鰲亞洲論壇時爲中國銀行體系進行了辯護。許多商界人士和經濟學家也在現場。乍看之下，爲傳統金融機構辯護似乎並非易事，因爲長期以來中國的大銀行因向小企業放貸不足以及亂收費問題而飽受批評。

But the banks do a lot more than people realize, Mr. Dong argued. He chalked up negativity toward the traditional banking sector as a result of negative media coverage and criticism from some high-profile figures like Mr. Ma, Alibaba's founder and chairman.

但董文標強調，銀行做的事情比人們意識到的要多得多。他把傳統金融機構與互聯網金融之間的爭戰歸咎於炒作，他說，這個東西是炒作，有的是馬雲自己炒作，有的是媒體炒作。

Mr. Ma has been outspoken about what he says is a need to reform China's banking system. In a interview with the People's Daily in June , Mr. Ma said 'China's financial industry, especially the banking industry, only serves 20% of clients, and I see there are 80% of the clients are not covered.'

阿里巴巴創始人兼董事局主席馬雲此前直言不諱地說，他認爲中國銀行體系需要改革。去年6月份，馬雲在接受《人民日報》採訪時表示，中國金融行業，特別是銀行業，服務了20%的客戶，我看到的是80%沒有被服務的企業。

Mr. Dong on Tuesday said he has spoken to Mr. Ma -- and given him a bit of a hard time about his stance. 'I said to Jack Ma, 'Brother, let's develop together. Give up your reform efforts. You don't have the ability.''

董文標週二表示，他已經向馬雲放出狠話：“我跟馬雲說，兄弟，咱們共同發展，你也不要都革命了，你也沒那本事。”

Last year Alipay, Alibaba's online payment affiliate, launched Yu'E Bao, or 'leftover treasure,' a product similar to a money-market fund, last summer. As of mid-January, it had more than 49 million customers with more than $40 billion in investments, according to Alipay. Competitors have proliferated, promising higher and quicker returns than bank deposits.

去年夏天，阿里巴巴的在線支付關聯企業支付寶(Alipay)推出了類似於貨幣市場基金的“餘額寶”。支付寶的數據顯示，到今年1月中旬，餘額寶客戶已超過4,900萬人，規模過過了400億美元。競爭者也如雨後春筍，紛紛承諾比銀行存款更高、更快的回報。

Mr. Dong didn't seem impressed.

董文標似乎不爲所動。

'For sure, there's a bit of an impact,' he said. 'But it's not a large one, because we do the real stuff and at the same time we also do the Internet stuff.'

他說：“有影響肯定會有一點，但是影響不大。因爲我們做實的，同時我們也做網上的東西”。

'Don't worry that [the banks] will become dinosaurs,' he added.

他補充說：“不要擔心我們成了末代恐龍或者什麼傢伙。”

The banker's seemly blunt statement doesn't mean a lack of handshaking between the two. Minsheng, the country's 10th largest bank and the biggest that isn't state controlled, said last September that it teamed up with Alibaba to provide financial services. The bank said cooperation with Alibaba will cover the wealth management business, credit card operations, electronic banking and information technology.

董文標這番表面上直來直去的言辭並不意味着兩者之間不打交道。民生銀行是中國第十大銀行，也是最大的非國有控股銀行。該行去年9月份宣佈與阿里巴巴合夥提供金融服務。該行說，與阿里巴巴的合作將涵蓋理財業務、信用卡業務、電子銀行和信息技術等。

In an interview with the Journal last year, before the partnership was announced, Mr. Dong said he told Mr. Ma that they should team up because the e-commerce pioneer would find it hard to break into the banking sector without a partner. He didn't say what Mr. Ma said in response.

去年宣佈合夥事宜前，董文標曾接受本報記者的採訪，他說，他告訴馬雲他們應該合作，因爲阿里巴巴雖然是電子商務領域的先鋒，但如果沒有一個合作者，就很難打入銀行領域。他沒有說馬雲當時是怎麼迴應的。