A top Chinese banker has a message for Alibaba Chairman Jack Ma: You aren't going to destroy us.
中国银行业的一位高管向阿里巴巴(Alibaba)董事局主席马云(Jack Ma)放出狠话：你不要都革命了，你也没那本事。
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.
中国民生银行(China Minsheng Banking Co.)董事长董文标周二在出席一年一度的博鳌亚洲论坛时为中国银行体系进行了辩护。许多商界人士和经济学家也在现场。乍看之下，为传统金融机构辩护似乎并非易事，因为长期以来中国的大银行因向小企业放贷不足以及乱收费问题而饱受批评。

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.
但董文标强调，银行做的事情比人们意识到的要多得多。他把传统金融机构与互联网金融之间的争战归咎于炒作，他说，这个东西是炒作，有的是马云自己炒作，有的是媒体炒作。
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.'
阿里巴巴创始人兼董事局主席马云此前直言不讳地说，他认为中国银行体系需要改革。去年6月份，马云在接受《人民日报》采访时表示，中国金融行业，特别是银行业，服务了20%的客户，我看到的是80%没有被服务的企业。
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.''
董文标周二表示，他已经向马云放出狠话：“我跟马云说，兄弟，咱们共同发展，你也不要都革命了，你也没那本事。”
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，阿里巴巴的在线支付关联企业支付宝(Alipay)推出了类似于货币市场基金的“余额宝”。支付宝的数据显示，到今年1月中旬，余额宝客户已超过4,900万人，规模过过了400亿美元。竞争者也如雨后春笋，纷纷承诺比银行存款更高、更快的回报。
Mr. Dong didn't seem impressed.
董文标似乎不为所动。
'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.'
他说：“有影响肯定会有一点，但是影响不大。因为我们做实的，同时我们也做网上的东西”。
'Don't worry that [the banks] will become dinosaurs,' he added.
他补充说：“不要担心我们成了末代恐龙或者什么家伙。”
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.
董文标这番表面上直来直去的言辞并不意味着两者之间不打交道。民生银行是中国第十大银行，也是最大的非国有控股银行。该行去年9月份宣布与阿里巴巴合伙提供金融服务。该行说，与阿里巴巴的合作将涵盖理财业务、信用卡业务、电子银行和信息技术等。
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.
去年宣布合伙事宜前，董文标曾接受本报记者的采访，他说，他告诉马云他们应该合作，因为阿里巴巴虽然是电子商务领域的先锋，但如果没有一个合作者，就很难打入银行领域。他没有说马云当时是怎么回应的。