Chapter 2225 Years Ago Inventory

The day with the most red envelopes is undoubtedly the day of the New Year's Eve.

No matter which family it is, the family reunion attended on New Year's Eve must be the most important family reunion in this family.

Therefore, at this kind of New Year's Eve dinner party, the elders give the children the most red envelopes.

With the development of the times, especially the emergence of WeChat red envelopes, not only the elders in the direct line can give red envelopes to children on this day, but also some relatives in the collateral line also give students and children red envelopes on this day. They give red envelopes, or some rich people also start to throw money in the circle of friends.

Because after the day of the New Year's Eve, the meaning of red envelopes has been reduced a lot.

Therefore, the number of red envelopes sent on this day exceeded 80 million, setting a record for grabbing red envelopes on WeChat.

Even at the Spring Festival Gala that night, the ratings dropped by several points. The reason was that many young people went to distribute and grab red envelopes, and they didn't have the mind to watch TV at all.

Therefore, grabbing red envelopes on WeChat has become the most popular keyword during the Chinese New Year. This kind of nationwide interactive carnival launched on the Internet is very trendy and cool, and has captured the hearts of big and small money fans... Uh, everyone is Big and small money fans, of course, are just joking, but this kind of fun of stealing money really makes people who have been depressed for a long time in real life very happy.

It is worth mentioning that there were already 950 million users of WeChat. Due to the promotion of WeChat red envelopes during the Spring Festival, more than 50 million users joined WeChat, directly allowing WeChat users The user population has exceeded the 1 billion mark, making it the first instant communication tool used by more than 1 billion people, even SKYPE can't match it.

The most important thing is another point, that is, WeChat users who grab red envelopes, because they need to bind bank cards to send red envelopes and get red envelopes, especially priority is given to binding fairy bank cards and credit cards, and annual fees, text messages can also be exempted There are a lot of small fees such as notification fees, so most people are not used to binding their other bank cards. There are also many people who have opened the savings card of Fairy Bank specifically for this purpose.

The bank cards and credit cards of Fairy Bank are also during the Spring Festival in the twelfth lunar month. Ushered in a peak of account opening, the number of credit card users exceeded 12 million, and the number of savings card users also exceeded 10 million. The number of users suddenly surpassed commercial banks in provincial capitals such as Rongcheng Bank.

Although Fairy Bank is still far behind in saving assets and lending, as long as there are enough users, there is enough room for imagination. I don't know how jealous it is to make small commercial banks such as Rongcheng Bank!

Think about it, how many years did it take them to achieve the current scale?

Relying on the network platform, Fairy Bank surpassed them in the number of users in less than a year.

And if it continues to develop at this speed, the scale will definitely become larger and larger in the future, so the ways of making profits will naturally be diverse, and it will definitely surpass them very quickly—there will be more customers, and various businesses will be able to develop. With fewer users, naturally you can only rely on some basic methods to make money.

They didn't expect that Xiao Qi's plan was more than that simple.

The boy's next plan. After there are enough users, after they get used to spending on the Internet. After believing in Fairy Bank, he began to sell online wealth management products.

According to the behavior of banks such as Zhongnong Construction Engineering, etc., and even the habits of all other commercial banks, they are used to getting low-cost funds from the hands of ordinary people, and then lending high interest to people who do business. Never thought of the step of profit sharing.

Xiao Qi doesn't care about using the Fairy Bank to make money from the people. In Xiao Qi's mind, the Fairy Bank is a magic needle to stabilize the Xiao family, not a sharp tool for making money.

So what he cares about is the influence of Fairy Bank.

As long as the public can trust Fairy Bank. Fairy Bank has credibility and prestige, then it can gather a lot of funds. In the future, whether it is used for the turnover of the group or to maintain the development of the entire Xiao faction, it will have a positive effect.

Therefore, when Fairy Bank develops Yuwobao, Tenpay and other wealth management products in the future, it will definitely give a lot of profits to the common people, so that they can really make up for part of the loss of rising prices in their deposits.

However, this interest rate cannot be increased. When Xiao Qi was reincarnated, because Yu Wobao was in a good situation, Ma Yun aggressively wanted to jump directly from the annual interest rate of 6% to about 7%. It seems that Mr. Ma is trying to provoke the central bank to suppress him.

The bank's benchmark one-year interest rate in the same period is only 3.5%. If Yu Wobao calculates at an interest rate of about 6% even if he receives it every day, compared with the bank's current deposit interest, the gap is about 20 times!

With such a big gap, how could it be possible to prevent people from withdrawing money from the bank and depositing it in Yuwobao?

Faced with the loss of billions of funds, banks may not feel that there is anything wrong with it, and tens of billions are acceptable, but when encountering the loss of hundreds of billions of funds, no bank can sit still.

Behind the commercial bank is the central bank. Seeing his own sons being wronged so much, it is strange that Yu Wobao is not suppressed and restricted!

Therefore, when Xiao Qi launched Yu Wobao, he could only adjust the interest rate between 5% and 6%. Without three to five years of stable development, he would never break through the upper limit of 6%.

But even so, Xiao Qi can imagine how much money Fairy Bank will attract by taking this opportunity.

Yuwobao can absorb more than 200 billion yuan of fund shares. Fairy Bank not only has Yuwobao, but also Tenpay, as well as Xiaoyao Wallet wealth management products. At least 500 billion yuan of deposits should come in.

A commercial bank mainly based on the Internet can have a net deposit limit of 500 billion, which is definitely a lot!

Judging from the current momentum of Fairy Bank, Xiao Qi definitely doesn’t need to wait until 2013 to launch Yu Wobao, Tenpay and Xiaoyao Wallet wealth management products!

...

Speaking of Xiaoyao Wallet wealth management products, let’s talk about Xiaoyao Mall, which has successfully completed the "Spring Festival Raiders".

In the one month from January 15th to February 15th, Xiaoyao Mall completed a total sales figure of 71.2 billion yuan, and was even featured on CCTV's news broadcast.

I am often used to the products of Xiannv Company, and the sales of each sale are tens of billions of RMB. Perhaps many people are not interested in the figure of 71.2 billion.

But if you see some data of the department store sales industry, then you will know how powerful Xiaoyao Mall is.

In 2008, the combined stores of Wangfujing Department Store Group across the country had a turnover of 16.2 billion.

In 2008, the annual sales of Gome was 45.9 billion.

Suning Appliance, which is as famous as Gome, is almost 50 billion.

In other words, the monthly revenue of Xiaoyao Mall exceeds the annual turnover of Gome and Wangfujing, or Suning and Wangfujing.

If you calculate the operating income of Xiaoyao Mall last year, then it directly became the number one retail department store in the country with an annual sales volume of 180 billion.

An online B2C company that has just been established for a year can directly become the number one retail department store giant in Huaguo. With such a phenomenal achievement, how can you say that the news network does not pay attention?

Compared with the wailing of the traditional retail department store industry, Qin Yibin did not get carried away, not even happy at all.

The first reason is that 71.2 billion is almost 20 billion away from his ambitious goal of 90 billion, which makes Qin Yibin, who is boasting in Haikou, unhappy.

The second is because his mind is very clear. The Spring Festival strategy is actually an advance consumption. After such a crazy shopping carnival, the customers of Xiaoyao Mall, whether it is shopping passion. With deep fatigue, at least for a month or two, the turnover of Xiaoyao Mall will not improve, or even plummet.

One month's good grades are exchanged for a sharp drop in the next one or two months, and there is nothing to be proud of.

If a turnover of 90 billion or more can be achieved, this subsequent plunge will be meaningful.

Of course, this is because Qin Yibin is too demanding of himself. This guy is one of the rare workaholics Xiao Qi has ever seen, and his self-esteem and honor are extremely strong. This kind of thing that can't reach the sales target of 90 billion , the sales of 71.2 billion are already very remarkable in the eyes of others, but Qin Yibin is very dissatisfied.

Only a person with his temperament is suitable to be in charge of Xiaoyao Mall, otherwise Xiaoyao Mall would not develop as fast as it is today.

And Qin Yibin is also very interesting.

Once the Spring Festival strategy is completed, Xiao Qi will give out a lot of bonuses in Xiaoyao, Xiaoyao Mall, Xiaoyao Logistics and Xiaoyao Express.

Among them, Xiaoyao Mall took a total of 2 billion yuan to reward everyone, and Qin Yibin alone had a huge reward of 200 million yuan.

However, Qin Yibin resolutely refused to accept it, saying that he failed to achieve the expected goal and deserved it.

Xiao Qi persuaded him, "If you don't accept it, how dare other employees and executives accept it? Aren't you causing them no bonus?"

In this way, Qin Yibin accepted it, and then directly transferred it to the company's education fund dedicated to Mingxiang Primary School and Mingxiang Middle School. This matter was discussed by Huo Zhuzhu and Xiao Qi, and someone anonymously donated 2 100 million into the fund account, Xiao Qi only found out after asking Qin Yibin.

Regardless of whether Qin Yibin is really too proud, or because he wants to put on a show, Xiao Qi has always attached great importance to the actual effect.

Donations can help others, and the spirit of not admitting defeat can lead Xiaoyao Mall to go more steadily. Such a CEO is the talent Xiao Qi wants to use! (to be continued ~^~)