-
Add Bookmark | Recommend this book | Back to the book page | My bookshelf | Mobile Reading
Free Web Novel,Novel online - All in oicq.net -> Romance -> dream era Text Chapter 2447 Losses and future expectations
Previous page Return to Catalog Next page
- A consortium model needs a backbone.
The method of European and American consortiums is to make various consortium plans around a bank.
??The way the Asian Consortium is based is to spread out into all aspects of society, and does not necessarily require a bank.
For example, the main pillar of the Samsung Group is not banks, but several large-scale companies such as Samsung Electronics and Samsung Heavy Industries, which work together to support it.
The same goes for the Mitsubishi Consortium, which relies on the heavy industry and aerospace technology industry for support.
Xiao Qi prefers the management model of Japanese and Korean consortiums, but he feels that a bank of his own is still indispensable.
Fairy Bank was established under such circumstances.
Although Xiao Qi had never been involved in the field of financial services before, he was very lucky and recruited MCA before he opened his business.
With more than 30 years of experience in China Merchants Bank, MCA is naturally able to run a newly opened Fairy Bank with ease.
¡°In addition, Xiao Qi has never been ambiguous when it comes to money. Anyone that Fairy Bank wants to use funds and resources will be given priority, allowing MCA to display its talents without being restricted.
So although Fairy Bank has only been open for more than 6 months, it has already firmly reached the top 30 in the ranking of commercial banks in China.
If it were not limited to regulations, Fairy Trigger has huge restrictions on RMB deposits and loans, and there would be no problem at all in the top ten.
Now, the main focus of Fairy Bank is naturally on the Internet-related finance where the country expects it to make a breakthrough.
Internet-related finance. Naturally, it is not only transactions on the Internet, but also includes some finance related to the Internet.
For example, credit card business.
Fairy Company owns Xiaoyao Mall, and it also acquired Alibaba Group. It has more than 300 million users, and new users are constantly being added.
Therefore, within three months of Fairy Bank¡¯s opening, it has more than 7 million Fairy Bank credit card users through binding credit card applications. And now in June, this number has increased directly to 32 million.
You read that right.
??That is, 32 million people have Fairy Bank credit cards, ranking fifth. Still in front of Bank of China.
And among them, more than 80% place an order once a month, and 63% place an order once a week.
??If Taobao.com hadn¡¯t lowered this value. These users of Xiaoyao Mall alone have to swipe their credit cards once or twice a week on average.
no way.
The daily necessities in Xiaoyao Mall are really complete.
No matter what aspect of food, clothing and housing, as long as it is not too remote, you can basically buy it on Xiaoyao Mall.
I forgot to buy groceries this morning. After you place an order and set a time, basically the vegetables, meat, fruits and vegetables you bought will be delivered to your home as soon as you get home.
??If you want to watch a football match in the evening but forgot to buy snacks and beer, you can also place an order at Xiaoyao Mall. The items will be delivered over there before the football match starts.
Even including MSG, salt, toilet paper, etc. Many people are too lazy to go shopping. Let Xiaoyao Mall deliver the goods directly to your door.
¡°Well, it¡¯s not accurate to say door-to-door delivery now.
Because the loss rate of electric vehicles in China is too high, Xiaoyao Mall and Xiaoyao Express jointly issued an announcement. We sincerely ask users to go downstairs to pick up the items, which are too heavy to lift. We also ask them to come down and help look at the electric bicycles on the way to the door, so as to prevent the thieves from stealing the items along with the bike.
The human heart is made of flesh.
Although there are so many people who like to find faults, the service attitude of Xiaoyao Mall and Xiaoyao Express. It was so good that it left you speechless. So shoppers went downstairs to pick up the goods themselves.
Fairy Bank does not provide RMB deposits and loans.
Therefore, the number of credit cards is directly related to the success of their first step strategy.
¡°Obviously, the issuance of 32 million credit cards in the past six months is enough to make everyone dumbfounded and cannot believe that they can reach this point.
Of course things will not be as simple and easy as they see. In order to achieve this goal, Fairy Bank and even Fairy Company have made a lot of efforts.
Take Xiaoyao Mall as an example. As long as you bind a credit card from Fairy Bank, you can enjoy the discounts of half-year installment, zero handling fee and zero interest rate.
In addition, in the various activities of Xiaoyao Mall, you can pay with Fairy Bank credit card, which is always better than other debit cards, credit cards andGold is a little cheaper.
Although there are not many cheap ones, they are still cheap, so those girls who often shop, especially girls who are good at calculating, are obsessed with using Fairy Bank credit cards.
But when MCA and Xu Weihong reported to Xiao Qi, Xiao Qi made it clear to them that this strategy was not enough and they needed to continue their efforts.
For example, in terms of credit card installment payment, you can definitely buy it this month and pay next month. Anyway, the credit card is bound and the agreement is signed. When the time comes, you can swipe the card directly through the bank and the bill will be sent to you. If you don't pay, you will be a loser. There are always various laws to punish people.
For example, increasing access points to major supermarkets, shopping malls, and shops will allow Fairy Bank to swipe cards in as many places as possible to increase convenience.
For example, we have once again improved the Fairy Bank mobile client, greatly increased the number of mobile credit card quick payments, etc.
For example, we have teamed up with websites such as Dianping and merchants from all over the country to carry out some activities that provide discounts for using Fairy Bank credit cards. On the one hand, the bank subsidizes most of them, and on the other hand, the merchants also reduce prices slightly and increase promotions. With the promotion of both, the Everyone benefits.
These methods may seem simple, but as long as word of mouth is formed, everyone will become more comfortable using the Fairy Bank Credit Card in the future, and the future life will be inseparable from it.
Xiao Qi believes that with the progress of society, China's shopping model will definitely move closer to developed countries such as Europe, the United States, Japan and South Korea. Credit card consumption will become the mainstream, and the cash-based transaction model will gradually fade away.
That is to say, when the young people of the 2000s grow up, this model should be finalized.
Therefore, by paving the way for credit cards first, it is possible for Fairy Bank to develop into a larger bank than Minsheng Bank, the first private bank in China.
Credit cards are only one aspect.
The two important capital accounts of Zifubao and Xiaoyao Wallet are currently one of the few profitable projects of Fairy Bank.
In 2013, Zifu Bao¡¯s precipitated funds were about 30 billion. Precipitated funds are funds that will always be placed in Zifu Bao¡¯s company account and come from funds paid out and continuously deposited. In theory, this 30 billion Ma Yun can use it for anything, even if he just puts it in the bank, he will still have a net profit of at least 1 billion a year.
But in fact, Ma Yun¡¯s income is far more than that. If he gives the bank an interest of 7 to 8%, and the bank adds various bundled loans, he can get at least 5% of interest, so it should be at least 2 billion.
Of course, it was not enough in 2009. Zifu Bao¡¯s accumulated capital was only about 10 billion. If it was placed in Fairy Bank for working expenses, the annual profit would be 1 billion.
Xiaoyao Wallet is a b2c online mall with no third-party supervision, but all its funds are circulated in Fairy Bank. In 2009, the transaction amount will definitely exceed 500 billion. Whether it is payment to suppliers or deposit in Xiaoyao Wallet, all of these are through The flow of water from the Fairy Bank.
With circulation, profits will be generated. It is estimated that there should be 800 million yuan in profit income from Xiaoyao Wallet this year.
It¡¯s really pitiful to say.
Fairy Bank's ordinary operating income this year is at most 3.8 billion, but its operating expenses exceed a full 20 billion. Of course, there are some items in the accounts and various expansion needs, which are for future development. Basic, but such a high loss still set a record in China's banking industry - the bank with the most losses.
But Fairy Bank has a lot of money.
In addition to the US$36 billion in reserves handed over to the central bank, Xiao Qi also converted US$80 billion into RMB and placed it in Fairy Bank, giving all users confidence and giving Fairy Bank the greatest expansion support.
With so much money, it would be a waste not to use it. MCA has taken this money and lent it to many large projects funded by countries. Although it is not allowed to absorb ordinary people's deposits and lend them loans, this kind of money is not allowed. It is possible to participate in large-scale projects with large funds, and the same is true for foreign-funded banks, but they will only enjoy dividend profits and will not enjoy project rights.
But there is also a disadvantage of these projects, that is, they are too long, and the profit rate of return is stable, but it usually takes two or three years to see the first return.
By next year, when the first batch of profits comes back, Fairy Bank¡¯s accounts will look much better, without just spending the capital provided by Xiao Qi.
Of course, Xiao Qi doesn¡¯t care about Fairy Bank¡¯s current losses.
In the banking industry, when you first start, especially when you start as a small bank, it is normal to spend money to gain survival space.
If you are reluctant to spend money now, then wait untilIn the future, other banks will see the profits of online commerce. If they all attack, how can Fairy Bank's small body stop them?
Don¡¯t forget, when online commerce explodes, Yu Wo Bao and mobile payment will be the real treasures that can make Fairy Bank develop and grow!
Once all these funds enter the capital flow of Fairy Bank, then the entire Fairy Company¡¯s consortium model can be launched, and there is no need to worry about all aspects of fund scheduling.
Only with a strong financial foundation can a consortium prosper and flourish for more than hundreds of years! (To be continued) - Didn't finish reading? Add this book to your favoritesI'm a member and bookmarked this chapterCopy the address of this book and recommend it to your friends for pointsChapter error? Click here to report
- Previous pageCatalogNext page