自学编程，大专毕业干过用友顾问、五粮液IT、外包码农，终成千亿帝国掌舵人

1997年，20岁的他考入了浙江财经学院。这所学校（现浙江财经大学，二批次）前身是成立于1974年的浙江财政银行学校（中专），当时还主要以招收大专为主，他读的也是大专。

当时计算机的热潮已经到来，会计电算化之类的专业非常热门，他正是就读于这个专业。这个专业算是财务专业，大部分毕业生都去做了财务会计人员。如果他选择了这条道路，2022年的今天他会成为一家上市公司或者集团公司的财务总监、CFO。

他自学了一些编程技术，所以不想干财务，而是想干IT。

怎么干IT呢？先从加入一家IT公司开始吧。

于是，2000年，他毕业时候选择加入用友浙江分公司。当时的用友已经发展了12年，营收高达2.1亿，是当时国内最大的软件公司之一。由于当时面向个人用户做Toc生意的互联网公司大部分体量还很小，几大互联网巨头都还在孕育期，所以做Tob生意的用友算是中国最大的IT公司之一了。

2000年，回首那一年，刘强东还在中关村售卖刻录机和光碟，马云因为中国黄页项目失败而投身外经贸部旗下国企，又不甘心做国企总经理，刚刚召集了“十八罗汉”，准备二次创业。马化腾因为资金困难，正准备把QQ以60万卖给深圳电信。

进浙江用友之前，他以为来了IT公司就可以做编程开发，但待了三个月之后，他发现自己做的事情和编程开发完全没有关系，而是大量的销售、售前顾问工作。（注：用友的软件开发人员大部分都在北京总部，省区公司以销售、营销、进行项目实施为主）

如果他坚持在浙江用友，他有可能是用友一名优秀的售前或者交付顾问。将来可能升职为这家“软茅”的管理层，或者开一家创业公司。

但他很快决定裸辞离开了。

没有经验的应届生很难找工作，有同学介绍他加入五粮液集团，当时听说五粮液在上一些大型的IT项目，他觉得这是个不错的机会。

五粮液2000年营收39亿，利润7.7亿，体量是用友的20倍，所以这是跳去了一家更大平台。

而事实上，五粮液虽然在上一些大型IT项目，但是反而离他想要的编程工作更远了：大量工作是出差去业务单位做调研，项目前期的用户需求调研、项目蓝图、项目汇报这些偏管理类的工作。

这些是大型公司内部IT的家常便饭，如果他坚持下去，在2022年的今天，他或许能成为一位优秀的CIO，带领企业进行数字化转型。如果这时候他还想起当年的程序员梦想，可能会在公司内部尝试自主开发一些软件，也可能会成立一家信息公司，拿着开发的软件尝试对外部市场售卖。在公司内部自研软件产品、成立信息科技公司的CIO大部分都有着一颗程序员的梦想和初心。

然而倔强的他还是想坚持自己程序员的梦想，为了这个梦想，他放弃了这样一份人人羡慕的大公司的体面工作，入职不到一年就从五粮液离开。

坚持梦想的代价是高昂的，北京那些大型的IT公司不可能接受一个财务专业，毫无实际编程经验，毕业一年跳两次槽的人。

辗转反侧，他只能重新回到杭州。有一家名不见经传的小公司接纳了他，叫做天地网络。这是一家帮人开发网站的IT外包公司，这类网站开发公司在整个IT行业属于鄙视链里面最底层的公司。

这家公司因涉嫌违法2004年被工商局吊销，从成立到被工商查封一共就4年历史。像这样的公司多如牛毛，无论是在IT公司史还是经济史中，本不会留下名字，本不会有人知晓。

这家公司虽然小，但是他在这里可以干自己想做的编程工作：从C语言到java，再到前端，练就了一身程序猿的好武艺：“我那时候单身，住的离公司也近，所以下班以后一般都会在公司干点活或者上上网，有时候晚上11点离开。”

本领练好之后，他曾经和朋友去干过一段时间的创业：为一些政府机构开发网站。后来因为回款和资金周转困难，很快创业失败。

迫于囊中羞涩，他又去一家医药企业，干了几个月企业内部IT。

时间到了2003年，毕业3年的他已经前后干过5份工作，每份工作的时长都按月计。

像这样的简历在今天求职市场恐怕被大多数HR直接忽略掉，但在2003年的6月，他收到了阿里巴巴的面试通知，这时候的阿里已不是18罗汉的草台班子，而是初具气象：融了几个亿，有了百万级的企业用户，1.5亿营收，国外有办公室，在杭州一地就有500名员工。单是百万级的企业用户这一项就吊打一众当红的Saas公司。

不是夸赞阿里，而当时阿里这类互联网企业在创业之初，不唯学历和光鲜简历，给普通草莽之辈又有能力的人提供了翻身的机会。当然现在的阿里不同当时，有着森严的HR筛选制度，寻常的简历很难得到面试机会，更不会容忍3年5跳的“劣迹”。

幸运的他通过了面试，加入了还没有正式上线的淘宝网，工号1788，花名“苗人凤”，在阿里巴巴最知名的工作是为淘宝开发了担保交易的程序，即是支付宝的原始雏形。很长时间“苗人凤”都是“支付宝早期版本”的唯一一个程序员，据说有时候他一个星期可以把支付宝早期版本的代码重写三次。

称他为“支付宝之父”也毫不夸张。

关于他的公开资料是这样的，2003年加入阿里巴巴，是支付宝的创始团队核心成员，也是支付宝早期版本研发者，历任程序员、产品架构师、行业产品技术负责人、支付宝执行副班长，曾参与支付宝各代技术架构的规划，快捷支付、支付宝钱包、线下支付等几次重大业务战略的实施与落地。

2022年8月2日，蚂蚁金服CTO倪行军接替井贤栋，出任支付宝（中国）网络技术有限公司法人代表、董事长，成为了千亿支付宝帝国的掌舵者。

翻译：

In 1997, at the age of 20, he was admitted to Zhejiang University of Finance and Economics. This school (now Zhejiang University of Finance and Economics, the second batch) is the predecessor of the Zhejiang Finance Bank School (secondary school), which was founded in 1974, and at that time was mainly to recruit junior colleges, and he read junior colleges.

At that time, the computer boom had arrived, and majors such as accounting computerization were very popular, and he was studying this major. This major is considered as a finance major, and most of the graduates have gone to work as financial accountants. If he chooses this path, today in 2022, he will become the chief financial officer or CFO of a listed company or a group company.

He taught himself some programming techniques, so instead of going into finance, he wanted to go into IT.

How do you do IT? Start by joining an IT company.

So, in 2000, when he graduated, he chose to join UF Zhejiang branch. At that time, UF had developed for 12 years, with a revenue of 210 million yuan, and was one of the largest software companies in China at that time. At that time, most of the Internet companies that did Toc business for individual users were still small in size, and several Internet giants were still in the gestate, so Yonyou, which did Tob business, was one of the largest IT companies in China.

In 2000, looking back on that year, Liu Qiangdong was still selling burners and CDS in Zhongguancun, Ma Yun joined the state-owned enterprises under the Ministry of Foreign Trade and Economic Cooperation because of the failure of the China Yellow Pages project, and was not willing to be the general manager of state-owned enterprises, and just convened the “eighteen Arhats” to prepare for a second venture. Ma Huateng because of financial difficulties, is preparing to sell QQ to 600 thousand to Shenzhen Telecom.

Before entering Zhejiang Yonyou, he thought that he could do programming development when he came to the IT company, but after three months, he found that what he did had nothing to do with programming development, but a lot of sales and pre-sales consulting work. (Note: Most of the software developers of UF are in the Beijing headquarters, and the provincial companies mainly focus on sales, marketing and project implementation)

If he sticks to UF in Zhejiang, he may be an excellent pre-sales or delivery consultant for UF. In the future, he may be promoted to the management of this “soft grass” or open a startup company.

But he soon decided to leave naked.

Inexperienced fresh graduates find IT difficult to find a job, a classmate introduced him to join Wuliangye Group, when he heard that Wuliangye is on some large-scale IT projects, he thought it was a good opportunity.

In 2000, Wuliangye’s revenue was 3.9 billion, its profit was 770 million, and its volume was 20 times that of Yongyou, so it jumped to a larger platform.

In fact, although Wuliangye is engaged in some large-scale IT projects, it is further away from the programming work he wants: a lot of work is to travel to the business unit to do research, the user needs research in the early stage of the project, the project blueprint, the project report these partial management work.

These are the daily routines of IT within large companies, and if he sticks to them, he might be a good CIO today in 2022, leading the digital transformation of the business. If he still remembers his dream of being a programmer at that time, he may try to develop some software independently within the company, or he may set up an information company and try to sell the software developed to the external market. Most CIOs who develop software products and set up information technology companies in the company have a programmer’s dream and initial heart.

However, he still wanted to stick to his dream of being a programmer, and for this dream, he gave up such a decent job in a big company that everyone envied, and left Wuliangye less than a year after joining the company.

The price of sticking to the dream is high, those large IT companies in Beijing are unlikely to accept a finance major, no actual programming experience, graduate two slots a year.

After tossing and turning, he had to return to Hangzhou.

He was accepted by a little-known company called Tiandi Network. This is an IT outsourcing company that helps people develop websites, and this type of website development company belongs to the bottom of the contempt chain in the entire IT industry.

The company was revoked by the Bureau of Industry and Commerce in 2004 on suspicion of violating the law. And has a total of 4 years of history from its establishment to its seizure by industry and commerce. There are so many companies like this, whether in the history of IT companies or economic history. This will not leave a name, this will not be known.

Although the company is small, but he can do the programming work he wants to do here:. From C language to java, and then to the front end, he has practiced a good martial arts of a program ape: “I was single at that time, and lived close to the company, so after work, I generally do some work in the company or on the Internet, sometimes leave at 11 o ‘clock at night.”

After perfecting his skills, he and his friends went to do a business for a while: developing websites for some government agencies. Later, due to the difficulties of payment and capital turnover, the business soon failed.

Forced by the lack of money, he went to a pharmaceutical company and worked for a few months in internal IT.

By 2003, three years after graduation, he had already worked five jobs, each of which was measured by month.

Such a resume in today’s job market is probably ignored by most HR directly. But in June 2003, he received an interview notice from Alibaba. At this time Ali is no longer the straw team of 18 Rohan. But the beginning of the weather: Financial several hundred million. There are millions of corporate users, 150 million revenue, foreign offices, in Hangzhou, there are 500 employees. Millions of enterprise users alone have hit a number of popular Saas companies.

It is not to praise Ali, and at that time. Such Internet companies as Ali in the beginning of their business. Not only academic qualifications and bright resumes. But also provide opportunities for ordinary people who have the ability to turn over. Of course, Ali now is different from that time. With a strict HR screening system, ordinary resumes are difficult to get an interview. And will not tolerate the “bad track” of 3 years and 5 jumps.

Fortunately, he passed the interview and joined Taobao, which has not yet been officially launched. His job number is 1788, and his flower name is Miao Renfeng. His best known work at Alibaba is to develop a secured transaction program for Taobao. Which is the original prototype of Alipay. For a long time “Miao Renfeng” was the only programmer of the “early version of Alipay”. And it was said that sometimes he could rewrite the code of the early version of Alipay three times a week.

It is no exaggeration to call him the “father of Alipay”.

The public information about him is as follows:. He joined Alibaba in 2003, is a core member of the founding team of Alipay. And is also the developer of the early version of Alipay. He has served as a programmer, product architect, industry product technology leader, and executive vice monitor of Alipay. He has participated in the planning of various generations of Alipay’s technical architecture. The implementation and landing of several major business strategies such as fast payment, Alipay wallet and offline payment.

On August 2, 2022, Ant Financial CTO Ni Jun replaced Jing Xiandong as the legal representative and chairman of Alipay (China) Network Technology Co., LTD., becoming the helm of the 100 billion Alipay empire.

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