Chapter 2447 Losses and Future Expectations

A consortium model needs a pillar.

The way of European and American consortia is to make various consortium plans around a bank.

The foothold method of the Asian consortium is to deploy in all aspects of society, and does not necessarily need a bank.

For example, the main pillar of the Samsung Group is not the bank, but several large-scale enterprises such as Samsung Electronics and Samsung Heavy Industries, which jointly support it.

The same is true for the Mitsubishi consortium, which is supported by the heavy industry and aerospace technology industries.

Xiao Qi prefers the Japanese-Korean consortium management model, but he feels that a bank of his own is still essential.

Fairy Bank was established under such circumstances.

Although Xiao Qi had never set foot in the financial service field before, he was very lucky and recruited MCA before it opened.

With MCA's more than 30 years of experience in China Merchants Bank, it is natural for a newly opened Fairy Bank to manage it with ease.

In addition, Xiao Qi has never been ambiguous about money. Any Fairy Bank that wants to use funds and resources will be given priority, so that MCA can display its talents without being restricted.

So although Fairy Maid Bank has only been in business for more than 6 months, it has safely reached the top 30 in the ranking of commercial banks in Huaguo.

If it is not limited to the regulations, there are huge restrictions on RMB deposits and loans caused by the fairy, and there is no problem at all in the top ten.

But now, Fairy Bank's main focus naturally lies in the network-related finance that the country expects it to make a breakthrough in.

Internet-related finance, of course, is not just transactions on the Internet, but also some finance related to the Internet.

For example, the credit card business.

Xiannv Company has its own Xiaoyao Mall, and with the acquisition of Alibaba Group, it has more than 300 million users, and it is constantly adding new users.

Therefore, within three months of Fairy Bank's opening, it has more than 7 million Fairy Bank credit card users by binding to apply for credit cards, and then in June now, this number has directly increased to 32 million.

You read that right.

That is, 32 million people have Fairy Bank credit cards. This figure ranks fifth, still ahead of the Bank of China.

Moreover, more than 80% of them will make a bill every month. 63% of them brush their orders once a week.

If Taobao.com hadn't lowered this value, these users of Xiaoyao Mall would 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 vegetables in the morning. After you place an order, set a time. Basically, as soon as you get home, the vegetables, meat, fruits and vegetables you buy can be delivered to your home.

I want to watch a football game at night but forgot to buy snacks and beer. I can also place an order at Xiaoyao Mall. Before the game starts, the things will be delivered there.

Even including monosodium glutamate salt, toilet paper, etc. Many people are too lazy to go shopping and let Xiaoyao Mall deliver the goods directly to their door.

Well, home delivery is not accurate now.

Because the loss rate of electric vehicles in Huaguo is too high. So Xiaoyao Mall and Xiaoyao Express jointly issued an announcement, imploring users to go downstairs to pick up things, because it is too heavy to lift. I also implore myself to let them come down to help look after the electric bicycle on the way to the door. In case the things and the car are stolen by thieves.

People's hearts are made of flesh.

Although there are so many people who like to find faults, the service attitude of Xiaoyao Mall and Xiaoyao Express is so good that you can't say anything at all, so the shoppers also went downstairs to pick up the goods.

Fairy Bank does not conduct RMB deposit and loan business.

Therefore, the number of credit cards is directly related to the success of their first strategy.

Obviously, the issuance of 32 million credit cards in the past six months is enough to make everyone dumbfounded, and they can't believe that they can reach this point.

Of course things will not be as simple and easy as they see. To achieve this goal, Fairy Bank and even Fairy Company. But a lot of effort has been made.

Take Xiaoyao Mall as an example, as long as you bind the credit card of Xiannv Bank, you can enjoy the benefits of half-year installment payment, zero handling fee and zero interest rate.

In addition, in the various activities of Xiaoyao Mall, if you use the Fairy Bank credit card to pay the bill, it will always be cheaper than other savings cards, credit cards and cash.

Although there are not many cheap ones, they are cheap after all, so those who shop frequently, especially girls who are good at calculating, are obsessed with using Fairy Bank credit cards.

But when Ma Hua and Xu Weihong reported to Xiao Qi, Xiao Qi made it clear to them that such a strategy was not enough, and continued efforts were needed.

For example, in terms of credit card installment payment, you can buy it this month and pay next month. Anyway, the credit card is bound and an agreement is signed. When the time comes, you can directly swipe the card through the bank, and the bill will be sent to you. If you don’t pay, you will be foolish. There are always various laws to punish them.

For example, increase the access points of major supermarkets, shopping malls, and shops, so that Fairy Bank can be used by swiping cards in as many places as possible, increasing convenience.

For example, improve the Fairy Bank mobile client again, greatly increase the quick payment of mobile credit cards and so on.

For example, in conjunction with Dianping and other websites, and with merchants from all over the country, we will do some discount activities for using Fairy Bank credit cards. On the one hand, the bank will subsidize most of them, and on the other hand, merchants will also reduce prices slightly and promote more. Everyone benefits.

These methods seem simple, but as long as word of mouth is formed, everyone will use Fairy Bank credit cards more smoothly in the future, and the future life will be more inseparable from it.

Xiao Qi believes that with the progress of society, Huaguo's shopping mode will definitely approach that of developed countries such as Europe, America, Japan, and South Korea. Credit card consumption will become the mainstream, and the cash-based transaction mode will gradually fade away.

That is to say, after the young people in the 2000s grow up, this model should be finalized.

Therefore, by laying the groundwork for credit cards first, Fairy Bank will be able to develop into a bank that is bigger than Huaguo's No. 1 private bank—Minsheng Bank.

Credit cards are just one aspect.

The two important fund accounts Zifubao and Xiaoyao Wallet are currently one of the few profitable projects of Fairy Bank.

In 2013, Zifubao’s precipitating funds were about 30 billion yuan. Precipitating funds are funds that will always be placed in Zifubao’s company account. They come from funds that have been paid out and deposited continuously. Theoretically, the 30 billion yuan It is said that Ma Yun can use it for anything, even if he only puts it in the bank, he will have a net profit of at least 1 billion a year.

But in fact, Ma Yun’s income is far more than that. Give the bank seven or eight percent interest, and the bank can get at least five percent interest when lending in various bundles, so it should be at least 2 billion.

Of course, it was not enough in 2009. Zifubao’s accumulated capital was about 10 billion yuan. If it was placed in Fairy Bank for turnover, the annual profit would be 1 billion yuan.

Xiaoyao Wallet is a B2C online shopping mall without third-party supervision, but its funds are all circulated in Fairy Bank. In 2009, the transaction limit must have exceeded 500 billion. Whether it is payment to suppliers or deposits in Xiaoyao Wallet, these are all passed Flowing water from the Fairy Bank.

If there is circulation, there will be profits. It is estimated that this year, there should be 800 million yuan in profits from Xiaoyao Wallet.

It's really pitiful to say.

Fairy Bank's ordinary operating income this year is at most around 3.8 billion, but its operating expenses have exceeded a full 20 billion. Of course, there are some items on the account and various expansion needs, which are for future development. Basic, but with such a high loss, it still set the record for Huaguo's banking industry - the bank with the largest loss.

But Fairy Bank has a lot of money.

In addition to the 36 billion U.S. dollars in reserves turned over to the central bank, Xiao Qi also took 80 billion U.S. dollars into RMB and put them in Fairy Bank, giving confidence to all users and giving Fairy Bank the greatest expansion support.

With so much money, it would be a waste not to use it. MCA has already taken the money and lent it to many major projects invested by many countries-although it is not allowed to take ordinary people’s deposits and lend them out, but this kind of Large-scale projects with large funds can participate, and the same is true for foreign-funded banks, but they only enjoy dividends and profits, and will not enjoy project rights.

But these projects also have a disadvantage, that is, they are too long, and the profit return rate is stable, but usually the first return will not be seen until two or three years ago.

After next year, when the first batch of profits come back, the accounts of Fairy Bank will look much better, without just spending the capital provided by Xiao Qi.

Of course, Xiao Qi doesn't care about the current loss of Fairy Bank.

In the banking industry, when you first start, especially when you are a small bank, it is normal to spend money to gain living space.

If you are reluctant to spend money now, then in the future, if other banks see the profits of online commerce and all rush over, how can Fairy Bank's small body stop them?

Don't forget, when the Internet commerce explodes, Yu Wobao and mobile payment will be the treasures that can really make Fairy Bank grow stronger!

Once all these funds have entered the capital flow of Fairy Bank, then the consortium model of the entire Fairy Company can be opened, and there is no need to worry about all aspects of fund scheduling.

With a strong financial foundation, a consortium can prosper and prosper for hundreds of years! (to be continued ~^~)