Chapter 1586 Targeted Layout!
Xiaoyao Mall has a lot of preparatory work, and 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 when you sign a contract with it can you use its credit card and savings card to enter their bank interface and make online consumption by swiping the card.
It sounds complicated, but it is actually a question of barriers to entry. Usually, the barriers to entry in the financial system have always been relatively high.
The handling fee of each bank is different, and some adjustments will be made according to the current account of your online shopping company, but generally speaking, it is still not cheap.
Xiao Qi has heard that the various charges of various banks in Huaguo are also reflected in the cooperation with online shopping companies.
Anyway, there was a period of time when the major commercial banks were enjoying a lot of money just relying on the handling fees of various online shopping websites.
Later, why Ma Yun, Penguin, Jingxi, etc. all launched their own payment platforms, and even further participated in the ranks of their own private banks. Isn’t it just dissatisfied with their profits being swallowed up by them?
However, Ma Yun launched Zifubao only a year and a half after Taobao was established. At the first time, other users did not buy it, but Ma Yun used many methods and gave many discounts. , gave up a lot of profits, and finally Zifubao developed step by step.
It is a pity that because of Yu Wobao's high interest rate incident, 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 children's shoes are a good person.
It is precisely because his Zifubao has been successful that it has given people great confidence. Therefore, payment platforms such as Caihutong and Jingxitong in the future can avoid many detours.
It is also his various experiments on Yu Wobao that let people see clearly what is the bottom line of bank interest groups, and thus know how to operate funds in the Internet age.
In a sense, it is not an exaggeration to say that someone later boasted to Ma Yun as "the pioneer and leader of Internet commerce in Huaguo". At least he created a completely novel way of doing business.
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, was handed over to the program developers for research as early as when Qin Yibin started planning, and a group of hackers such as Linus were invited After cracking and attacking, I have to fill in the leaks and encrypt again after dozens of rounds of repetition. It's finally finalized.
Since transactions involving online company accounts were involved, the banking regulator also dispatched experts to inspect the security of Xiaoyao Wallet, and only then issued Xiaoyao Mall's "third-party payment platform license" in November.
With this third-party payment platform license, Xiaoyao Mall can justifiably collect funds and deposit them in its own bank account, and then follow Ma Yun's old road of Zifubao to form a huge capital flow.
It is very difficult for ordinary people to apply for this payment license. Even seven or eight years later, many companies are still eagerly waiting for licenses.
But Xiao Qi is different. Not to mention that he is already the greatest pride of Huaguo entrepreneurs, but Yu Chengsheng and Niu Ruzheng's face, who would dare not give it?
Besides, they already have the capital, procedures, and detailed concept of founding. If they deliberately refuse to give it, it may only be making things difficult.
How dare the regulatory authorities make things difficult for Xiao Qi? Where would they have the guts to make things difficult for Xiao Qi?
It can even be exaggerated to say that even Xiao Qi did not think of this third-party payment platform license. It won't be long before those supervisory departments have to come to the door on their own initiative, asking Xiao Qi to fill in the application form, and then issue it as quickly as possible.
Xiao Qi also thought about whether it is possible when the Xiaoyao Wallet is launched. Directly launch a fund platform similar to "Yu Wobao", prompting more people to directly transfer money to Xiaoyao Wallet, and making Xiaoyao Wallet develop more rapidly.
After all, a tool like Xiaoyao Wallet is not just as simple as accumulating funds, but more of a change in payment mode.
In future mobile payment, isn't it possible to directly use Xiaoyao Wallet together with a mobile phone, and then make various payments? ——Similarly, this is the mobile payment concept developed by Ma Yun. This kind of payment mode that grasps the flow of users' funds will scare any bank when it develops!
But after thinking about it, he still gave up.
Now that the fund platform has been built, don’t you have to sign a contract with the bank in the end, put the money in these accounts in the banks of Zhongnong Jianshang, and let the banks use the money as working capital every day?
It’s better to wait until my bank in Hong Kong acquires it and develops it in the mainland; and my own Xiaoyao Wallet is promoted, so that more people get used to and like this model of Xiaoyao Wallet before launching this fund The platform is good.
Don’t underestimate the money deposited in the Xiaoyao wallet. Based on the scale of Taobao.com in 2013, Zifubao’s bank account has an average of at least 100 billion yuan per day. funds.
What is deposited funds?
That is, as a third-party payment platform, you basically have so much money in your account every day that you will not use it. The amount you need to use is basically just withdrawn by users on the left hand, and other users on the right hand will immediately have it. After depositing in, there is 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, so usually based on the seven-day transaction cycle, the accumulated amount is about 100 billion.
To put it more simply, every day there are customers who recharge into Zifubao, and there are customers who withdraw money from Zifubao every day. However, due to the existence of continuous transactions and the deadline for confirmation of receipt, the difference between them is generally fixed. , There is always a large amount of funds of the user in the Zifubao account.
And this amount of quantitative funds that will not change under normal circumstances is called precipitation funds.
Due to the regulations of bank supervision and the need to be vigilant about operating risks, the deposited funds have always been there, and Zifubao absolutely dare not touch them.
But putting it there is a waste, so Zifubao will sign a large deposit agreement with the bank, and use this fund as a fixed deposit to obtain a very high bank interest.
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 need to pay anything at all, and can directly sit on so much income every day. From this, you finally know why Ma Yun is so confident in the development of Zifubao?
Of course, before 2013, especially the five years since its opening in 2004, it was the accumulation period of Zifubao. The daily interest was not so much, but it was actually very objective, supporting the development of Zifubao. It is more than enough, and it can even subsidize Taobao.com's huge expenses.
It is also for this reason that public opinion has been chasing Zifubao for a while, questioning whether the money should be collected and returned to consumers, so Ma Yun, who was immature and completely leaked at that time, was a little scared, Claiming that if the regulator feels 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 are such bitter pens!
People's banks take this money to lend out, but they are generous, with an annual interest rate of at least 8%-12%! ——This is still a normal situation. We don’t know if there are any human relations, deposit return agreements, etc. 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 even borrowing chickens to lay eggs. He earns much more than Ma Yun, and he is not under any pressure. It is not up to the media to question them. It is different if they have confidence!
Ma Yun and other giants of these third-party payment companies have seen this huge advantage, plus it is more convenient in accounting, etc., so they have to sharpen their heads to obtain a private bank license and add more money to their own business. a pair of wings.
From the very beginning, Xiao Qi aimed at his own bank, third-party payment platform, and fund platform, so the move of acquiring the bank was definitely a stroke of genius, and it was also an important factor for the success of the entire Xiaoyao family.
The core of the six major conglomerates in Japan is the financial and banking industry. They all have their own banks, which is why they can develop so quickly, because they are not short of money!
Even the reorganization of Toshiba, Sony, Hitachi, etc., etc., etc., people use the banks within the consortium to deal with it with a little bit of means, and they can overcome the difficulties immediately.
It's ridiculous that people in our country are still gloating and thinking that these old giants will decline, but in fact there is no such thing at all!
There are so many benefits of the bank, only if Xiao Qi practices it first, others will know the mystery of it.
And after Ma Yun and the others found out, it might not be so easy to go to Hong Kong to pan for gold!
what!
No no no.
Ma Yun is no longer his opponent!
I already own 30% of the shares of Alibaba Group!
We are happy partners!
It should be to join hands to fight against other competitors, and the two heroes will dominate the market! !
Just like Xiao Qi wants to team up with Apple and Samsung to occupy the high-end smart electronics market, as long as the top companies reach an agreement, it will be a monopoly! (to be continued..)