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好啦今集我们讲这个支付宝最终极的目标

2
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他搞数字人民币中国政府其实想做什么呢

3
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当然是有目的才做的啦

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不是有空无事做无聊搞下的嘛对不对

5
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一定有些目的的嘛

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他最终的目的呢这个是我猜而已

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就是用这个数字人民币

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支付宝去打败美国的SWIFT系统呢

9
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就是美国制裁我们伟大的香港

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11名官员的金融手段啦

11
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这样邪恶的美帝主义亡我之心不死

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靠这个数字人民币的支付宝平台

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就可以跳过了美国的银行系统

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它可弯道超车超越美国金融霸权呀

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有些人说蚂蚁上市

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不好抄啦哪可以做呀

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现在深圳都试点数字人民币啦

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蚂蚁关了啦这样

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其实呢蚂蚁呢我不知大家知不知呢

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蚂蚁这个支付宝是属于淘宝的嘛

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淘宝属于阿里巴巴阿里巴巴属于马云

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但马云呢上年已经退休啦

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五十几岁的时候呢已经退休啦

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所以现在蚂蚁金服

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即阿里巴巴呢其实是国企来的

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马云就好彩啦五十几岁就退休啦

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就不用那么辛苦啦

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诚哥都做到90岁真是惨呀

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所以呢有人说支付宝会抢银行生意呀

30
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又会搞倒银行呀

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其实银行就是阿爷的儿子支付宝就是阿爷的孙

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大家不用分那么细啦是不是先？

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支付宝当初就在淘宝平台里面做收钱的而已

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慢慢搞起呢它真是变成一间手机银行

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这些叫virtual Bank虚拟银行

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和一间大数据的公司

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基本上全中国人都在上面有一个户口

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开了个支付宝有身份证电话地址呀

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买过些什么做过些什么全部都知道的啦

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这好容易理解啦是不是？

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如果你是中国政府

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你是不可能容许这个私人公司

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有了那么敏感的资料啦对不对

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同样美国政府都不可能容许一间中国公司

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在美国拿了这些国家人民的资料

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拿了全美国人的所有户口资料电话地址

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他平时买什么做什么

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整个大数据给中国政府拿了是无可能的

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所以搞你是一定的啦是不是先？

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一定不会让你在美国那里做的

51
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那我们讲回中国内部先啦

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这个最原始的电子交易系统

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当然它就用来做电子交易啦是不是？

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好处呢就无现金啦全部电子纪录啦

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有了……可以查询啦是不是？

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对于打击贪腐是非常有效的

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贪污是一个严重影响国家的行为来的嘛

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是绝对严重影响社会是不应该存在的

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打击它是非常之伟大光明正确的

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所以无问题啦

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第二个呢打击地下钱庄地下钱庄都是非法的

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违背我们国家的方针

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做了些犯法的活动当然取缔啦

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控制外资流出监控所有资金的流动

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让这些非法的行为无所遁形啦

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这个纪录的功能呢

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它就综合了叫做芝麻信用

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是一个大数据的总合

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这样他就会收集你所有的资金运作的纪录的

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所有的个人数据

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你坐车去哪里在哪一间餐厅吃过饭

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全部都知道啦是不是？

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因为有了这些资料

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就可以正确打击非法行为啦

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这样吃什么呀坐什么车花钱什么都知啦

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有些男士可能你下午吃完叉烧饭没什么做呢

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又去吃多只鸡呢这样都会知的喔

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大陆就发生过有些男士去消遣后

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用了支付宝付钱

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除了他老婆会查到之外呢

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国家都查到啦公安都查到啦

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这样去打击这间娱乐场所的时候呢

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一拿个支付宝出来

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就全部客人的纪录即刻全部弹出来啦

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全部一目了然啊

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亦因为它知道到这么详细呢

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所有很多你个人隐私

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不想别人知道的东西都被纪录了

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这样讲得难听些啦

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即使你和你老婆呢

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做爱有没用condom它都知的

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你们两个结了婚

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如果长期都没买这些日常用品的时候呢

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只有两个可能性一是你们两个相敬如宾呀

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一是你们不用这个日常用品的

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如果你用的时候呢隔多久

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一个月买一次两个月买一次

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连你们运作的密度呢

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它都知道得一清二楚

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用多少又知买多密又知道

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它就将这个包装成一个分数啦不是我吹的啦

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他话呢……我看另一些网上的文章

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他话呢这个芝麻信用分数的比拼呢

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即是怎样加分减分呢它就是…

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如果你经常玩游戏玩得多

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你所有消费都是买宝剑和买宝石的呢

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它就会扣你分的

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相对如果你是去买尿片呀买下奶粉呀

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做一些正当的消费

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或者你买架车代步去做生意呢它又会知的

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它又会加分的所以呢它真是看得一清二楚

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严重到呢你是哪间大学毕业可以加分

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识什么朋友都会影响你的分数的

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里面将人分成不同类别的

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这样好不好呢我就不讲啦

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如果这块东西去到外国呢

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外国人的资料生活数据他们当然很敏感

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不喜欢你知啦

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直接不是自己政府知是另一个政府知

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如果自己政府一定要知的都无办法啦

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投诉起码都投诉有门先啦

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去到外国你是另一个国家收了我的数据

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那即是想怎样呢

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所以呢这个big brother看着你盯紧你呢

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就是芝麻信用的东西啦

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我们是会另外开多一部新片讲

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有多详细去到什么程度呢

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我们下部片再讲的那你记住订阅啦

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这个弯道超车

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中国做这个数字人民币数字货币的系统

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真是做得很好非常完美

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但可惜呢千算万算就算漏了一样东西

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因为fintech的AI呢

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其实它是空中楼阁来的

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它是在浮沙上面建起的浮沙的底部呢

136
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就是一些hardware chips hard disk server

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这些东西是中国无的

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美国想打败你时就不卖这些东西给你

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令到他就要封杀啦

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你就用不了这样东西

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因为没了下面整个system呢

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你上面多fancy都没用的

143
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所以他说不给你运作呢特朗普说

144
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即是现在还未可以啦

145
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如果赢了呢他就可以慢慢玩啦

146
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他就不给美国的科技公司租server给你

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又剪断了中国去美国那条光纤

148
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那你基本上没可能运行到的

149
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你中国都无server呢因为他都不卖给你

150
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你哪有那么多server chips呢

151
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他前段时间说封杀WeChat

152
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现在就要搞这个蚂蚁金服啦

153
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刚才都大约讲过啦

154
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我们详细讲下为何要这样搞啦

155
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明面的数据很简单而已

156
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你想下幻想下现在呢

157
00:08:37,350 --> 00:08:39,474
他们话很多中国人在美国境内

158
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已经用着这个WeChat Pay

159
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在用WeChat WeChat交谈记录是……

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美国政府都不知你讲过些什么的

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正常呀因为他是不应该知你讲过些什么的

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因为不应该有纪录的啦对不对

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但是呢中国政府就知喔

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这个交谈纪录都不是重点

165
00:08:56,650 --> 00:08:58,425
而是用这个WeChat Pay呀

166
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如果我帮你剪头发我用WeChat Pay收钱

167
00:09:02,700 --> 00:09:05,662
今天我去吃叉烧饭呢

168
00:09:05,662 --> 00:09:07,112
又是用WeChat Pay付款

169
00:09:07,300 --> 00:09:10,350
我今天做了30单生意剪了30个头发

170
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只有15个是给现金的

171
00:09:13,450 --> 00:09:16,000
另外15个就WeChat Pay支付宝收钱的

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00:09:16,150 --> 00:09:17,925
我和政府讲呢我做了15个而已

173
00:09:18,200 --> 00:09:19,825
15个呢我就装入袋啦

174
00:09:19,925 --> 00:09:22,025
美国政府不知的只有中国政府知道而已

175
00:09:22,100 --> 00:09:25,150
中国政府又不在乎我收了这15笔钱的是不是先？

176
00:09:26,275 --> 00:09:27,650
美国政府就收不到税啦

177
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那我又不用交税他又不用交税

178
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这样美国政府不动你就不正常啦

179
00:09:32,825 --> 00:09:33,890
为什么可以这样搞呢

180
00:09:35,050 --> 00:09:37,900
Facebook前段时间都搞了个Libra币

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Libra币就是Facebook的想搞这个数字货币

182
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都让美国政府叫停了

183
00:09:44,575 --> 00:09:47,400
其实bitcoin就是在做着这样东西

184
00:09:47,425 --> 00:09:49,575
但bitcoin是一个很复杂的科技

185
00:09:50,075 --> 00:09:52,625
就不同你支付宝下载到这个手机上

186
00:09:52,625 --> 00:09:57,100
就有个apps完美的UI user interface给你用

187
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WeChat Pay整个砌好了

188
00:09:59,350 --> 00:10:00,250
你按个键就可以用

189
00:10:00,325 --> 00:10:02,825
bitcoin就不是bitcoin就是好复杂的

190
00:10:03,075 --> 00:10:07,325
只有小部分很熟悉流程的人才搞得了的

191
00:10:07,475 --> 00:10:10,127
即不是面向大众的

192
00:10:10,550 --> 00:10:14,375
所以同时bitcoin是一个很技术性的层面啦

193
00:10:14,375 --> 00:10:16,575
交易要搞很久的

194
00:10:16,625 --> 00:10:18,536
搞半小时1小时还是2小时

195
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才完成一个交易的

196
00:10:20,550 --> 00:10:23,350
所以你拿来存资金都还可以

197
00:10:23,350 --> 00:10:25,300
daily transaction是做不了的

198
00:10:25,525 --> 00:10:29,925
bitcoin就不一样啦所有钱流动是没纪录的

199
00:10:30,300 --> 00:10:33,425
但因为他这个科技局限性

200
00:10:33,500 --> 00:10:37,265
即是它整个结构的设计

201
00:10:37,265 --> 00:10:41,350
整个bitcoin结构设计是令到它

202
00:10:41,650 --> 00:10:45,075
不是即时拿来日常付款用的

203
00:10:45,275 --> 00:10:47,825
用来炒用来存钱就有用

204
00:10:48,150 --> 00:10:52,775
这某程度上呢政府都不是很想它生存的

205
00:10:52,775 --> 00:10:55,250
但因为你不是很影响它啦

206
00:10:55,375 --> 00:10:58,625
都没特别搞你这样啰

207
00:10:59,175 --> 00:11:01,155
那你可能说现金都可以啦

208
00:11:01,350 --> 00:11:04,425
现金呢小数行但大数就不行啦

209
00:11:04,450 --> 00:11:06,650
你想下一百万有几大笔钱

210
00:11:06,650 --> 00:11:09,200
一千万要用车才运到啦

211
00:11:11,350 --> 00:11:15,123
好像现在美国那边总统选举又说收那些钱呀

212
00:11:15,225 --> 00:11:18,455
如果几千万呢你没可能这样拿现金过去的

213
00:11:19,225 --> 00:11:21,310
如果你要过境更加无可能啦

214
00:11:21,600 --> 00:11:22,875
你所有行李都要scan

215
00:11:23,200 --> 00:11:25,950
扫描了你所有钱都是看到一清二楚

216
00:11:25,950 --> 00:11:29,300
你不可以提着一大笔美金去坐飞机的

217
00:11:29,425 --> 00:11:32,475
一定会问你什么事呀你是不是洗黑钱呀

218
00:11:32,475 --> 00:11:33,700
一定是当你黑钱的

219
00:11:35,601 --> 00:11:38,050
但如果你在支付宝或bitcoin里面呢

220
00:11:38,300 --> 00:11:41,010
你的大数大钱的流动呢

221
00:11:41,010 --> 00:11:44,134
其实外国政府任何一个国家政府

222
00:11:44,134 --> 00:11:46,449
都是控制不了的时候他一定是管控死的

223
00:11:47,200 --> 00:11:50,175
可能美国就有办法禁死中国啦

224
00:11:50,425 --> 00:11:55,100
其实其他所有亚洲非洲亚非拉那些呢

225
00:11:55,225 --> 00:11:58,588
其实那些政府是束手无策的

226
00:11:58,925 --> 00:12:02,950
或者欧洲政府都束手无策的

227
00:12:03,575 --> 00:12:05,625
其实最终极的想法

228
00:12:05,625 --> 00:12:07,150
这个是我幻想的空间啦

229
00:12:07,550 --> 00:12:09,825
就是用这个数字人民币和支付宝呢

230
00:12:09,825 --> 00:12:10,669
就可以实行人民币国际化