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Text Chapter 1586 A clear-cut plan!

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    Xiaoyao Mall has a lot of preparation work, one of the most important prerequisites is to sign contracts with major banks to provide online banking and credit card payment support.

    Every bank will have its own channels and interfaces. Only if you sign a contract with it can you use its credit card and debit card, enter their bank interface, and make online card purchases.

    It sounds very complicated, but in fact it is a question of entry threshold. Usually the threshold of the financial system is always relatively high.

    The handling fees of each bank are different, and they will be adjusted according to the running account of your online shopping company, but overall it is still not cheap.

    Xiao Qi has heard that various banks in China charge various fees, which are also reflected in their cooperation with online shopping companies.

    Anyway, there was a time when the major commercial banks were making a lot of money just by relying on the handling fees of various online shopping websites, and they were very happy.

    Why did Ma Yun, Penguin, Jingxi, etc. all launch their own payment platforms and even further participate in opening their own private banks? Isn't it because they are dissatisfied that their profits are being swallowed up by them?

    However, Ma Yun launched Zifubao slowly one and a half years after Taobao was founded. Users did not buy it at the first time, but Ma Yun used many methods and gave many discounts.  , giving up a lot of profits, and finally Zifubao developed and expanded step by step.

    It¡¯s a pity that in the end, because of Yu Wobao¡¯s high interest incident, classmate Ma Yun was collectively suppressed by all banks. The 6% Yu Wobao notice deposit interest only appeared for a few months before it disappeared.

    But I have to say that Ma Yun is a good person.

    It is precisely because of the success of his Zifu Bao that it gave people strong confidence.  Therefore, future payment platforms such as Caihutong and Jingxitong will avoid many detours.

    It was his various experiments on Yu Wobao that allowed people to see clearly what the bottom line of bank interest groups is, and thus how to operate funds in the Internet era.

    ??In a sense, it is not an exaggeration to say that Ma Yun was later praised as "the pioneer and leader of China's Internet commerce".  At least he created a completely new business model.

    Following his path, many people have achieved success.

    Therefore, in addition to various online banking applications, Xiaoyao Mall's own third-party payment platform, Xiaoyao Wallet, had been handed over to program developers for research as early as when Qin Yibin started planning it, and a group of hackers such as Linus were invited to  Carry out cracking and attack, and then you have to fix the leaks and encrypt. After dozens of rounds of iterations.  Only then was it finally finalized.

    Since transactions involving online company accounts were involved, the banking regulatory department also sent experts to specifically test the security of Xiaoyao Wallet, and only then issued Xiaoyao Mall a "third-party payment platform license" in November.

    With this third-party payment platform license, Xiaoyao Mall can legitimately collect funds into its own bank account and deposit them, and then follow the old path of Ma Yun¡¯s Zifu Bao, forming a huge capital flow.

    For ordinary people, it is very difficult to apply for this payment license.  Even seven or eight years later, many companies are still eagerly waiting for licenses to be issued.

    But Xiao Qi is different.  Not to mention that he is already the greatest pride of Chinese entrepreneurs, but if we talk about the face of Yu Chengsheng and Niu Ruzheng, then who of you would dare not to give it to them?

    ¡°Besides, they already have capital, procedures, and detailed founding ideas. If they deliberately deny it, it may only be to make things difficult.

    How dare the regulatory authorities make things difficult for Xiao Qi?  How could they have the courage to make things difficult for Xiao Qi?

    It can even be exaggerated to say that even Xiao Qi did not expect this third-party payment platform license.  It won't be long before those regulatory authorities will have to come to the door on their own initiative, ask Xiao Qi to fill out the application form, and then issue it as quickly as possible.

    Xiao Qi also thought about whether it would be possible when Xiaoyao Wallet was launched.  Directly launch a fund platform similar to "Yu Wo Bao" to encourage more people to transfer money directly to Xiaoyao Wallet, making Xiaoyao Wallet develop even more rapidly.

    After all, a tool like Xiaoyao Wallet is not just a simple deposit of funds, but also a change in payment model.

    In future mobile payments, wouldn¡¯t it be possible to directly use Xiaoyao Wallet together with your mobile phone to make various payments?  ¡ª¡ªSimilarly, this is the mobile payment concept developed by classmate Ma Yun. This payment model that controls the flow of users' funds will make any bank feel scared when it develops!

    But after thinking about it for a while, he gave up.

    Now we have built the fund platform, in the end, don¡¯t you have to sign a contract with the bank, put the money in these accounts in banks like Zhongnong Construction, and let the banks use the money as working capital every day?

    It would be better to wait until your own bank in Hong Kong acquires it and develops it in the mainland; plus the promotion of your own Xiaoyao Wallet, so that more people get used to and like this Xiaoyao Wallet model before launching this kind of fund.  The platform is good.

    Don¡¯t underestimate the amount of money deposited in Xiaoyao Wallet. Considering the size of Taobao.com in 2013, Zifubao Company¡¯s bank account had a huge deposit of at least 100 billion yuan every day on average.  funds.

    What is precipitated capital?

    That is, as a third-party payment platform, basically there will be so much money in your account that will not be used every day. The amount you need to use is basically the amount that has just been withdrawn by users on the left hand, and other users on the right hand will immediately have it.  After depositing, there will be a certain amount of quantitative funds in the account of the third-party payment platform.

    For example, the daily transaction volume of Zifubao is 15 billion, then based on a seven-day transaction cycle, the accumulated amount is about 100 billion.

    To put it simply, customers recharge Alipay every day, and customers withdraw money from Alipay every day. However, due to the existence of constant transactions and the deadline for confirmation of receipt, the difference in between is generally fixed.  , there is always a large amount of user funds in the Zifu Bao account.

    And this amount of quantitative funds that will not change under normal circumstances is called precipitated funds.

    Due to bank supervision regulations and the need to be vigilant about operating risks, the precipitated funds have always been there, and Zifu Bao Company will never dare to touch them.

    But leaving it there is also a waste, so Zifubao Company will sign a large deposit agreement with the bank and use this fund as a fixed deposit to obtain a high bank interest.

    Calculated based on the slightly lower 5% annual interest rate for exclusive super-large customers, the daily interest income is around 13.7 million, which is more than 400 million per month!

    ?Zifubao company doesn¡¯t have to pay anything at all, and it can directly earn so much income every day. From this, you finally know why Ma Yun is so confident about developing Zifubao, right?

    Of course, before 2013, especially the five years since its opening in 2004, it was the accumulation period of Zifu Bao. The daily interest was not so much, but it was actually very objective and supported the development of a Zifu Bao company.  It's more than enough, and it can even subsidize Taobao.com's huge expenses.

    It is also for this reason that public opinion has been fiercely pursuing Zifubao for a while, questioning whether the money should be returned to consumers. Therefore, Ma Yun, who was not yet mature at that time and had completely exposed his domineering attitude, was a little scared.  He claimed that if the regulatory authorities feel that the money should not receive interest, then he is willing to give it with both hands.

    People who don¡¯t have their own bank have such a hard time!

    ??The bank takes this money and lends it out, but it is very generous, and the annual interest rate is at least 8%-12%!  ¡ª¡ªThis is still a normal situation. If there are any favors, deposit return agreements, etc., we don¡¯t know about it. Anyway, it must be very, very difficult for ordinary people to get a loan from a bank!

    Ma Yun is borrowing chickens to lay eggs, and the bank is borrowing chickens to lay eggs. He earns much more than Ma Yun. He is not under any pressure and has no chance for the media to question them. Having confidence is different!

    Ma Yun and other third-party payment company giants saw this huge advantage, plus the greater convenience in accounting, etc., so they sharpened their heads to obtain a private bank license to add more benefits to their careers.  A pair of wings.

    Xiao Qi has been targeting his own bank, third-party payment platform, and fund platform from the beginning. Therefore, the acquisition of the bank is definitely a stroke of genius and an important factor in the success of the entire Xiaoyao series.

    The core of the six major consortiums in Japan is the financial banking industry. They all have their own banks, so they can develop so rapidly because they are not short of money!

    Even in the later Toshiba reorganization, Sony reorganization, Hitachi reorganization, etc., etc., people used the banks within their own consortium to deal with it with a little bit of means, and they were able to overcome the difficulties immediately.

    It¡¯s ridiculous that people in our country are still gloating over their misfortunes and thinking that these old giants will decline. In fact, that¡¯s not the case at all!

    How great the benefits of banks are. Only if Xiao Qi practices it first will others know the secret.

    And after people like Ma Yun find out, it may not be so easy to go to Hong Kong to hunt for gold!

    Huh!

    No, no, no.

    Ma Yun is no longer his ownAn opponent!

    I already own 30% of the shares of Alibaba Group!

    We are happy partners!

    They should work together to attack other competitors, and the two heroes should dominate the market!  !

    Just like Xiao Qi wants to join forces with Apple and Samsung to dominate the high-end smart electronics market, as long as the top companies reach an agreement, it will be a monopoly!  (To be continued)
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