Age of Dreams

There are many preparations for Xiaoyao Mall. One of the most important prerequisites is to sign with major banks to support online banking and credit card payment.

Every bank will have its own channels and interfaces. Only when you sign a contract with it, can you use its credit card and debit card to access their bank interface and make online card consumption.

It's complicated to say, but it's actually a problem of entry barriers. Generally, the barriers to entry in the financial system have always been relatively high.

And each bank's handling fee is different, and certain adjustments are made according to the current account of your online shopping company, but overall it is not cheap.

Xiao Qi has heard that the various fees charged by various banks in China are also reflected in the cooperation with online shopping companies.

Anyway, for a while, major commercial banks simply relied on the handling fees of various online shopping sites to eat a lot of food, and they were too happy.

Later, why did Ma Yun, Penguin, Jingxi, etc. all launch their own payment platforms and even further participate in the ranks of setting up private banks by themselves. Isn't it just dissatisfaction that profits have been swallowed up by them?

However, Ma Yun launched Zifubao only a year and a half after Taobao was established. The first time other users did not buy it, Ma Yun used many methods and gave a lot of discounts. , To give up a lot of profits, and finally the capital to develop and grow step by step.

Unfortunately, due to Yu Wobao's high interest incident, Ma Yun was collectively suppressed by all banks. The 6% Yu Wobao notice deposit interest only appeared for a few months before it was wiped out.

But I have to say that Ma Yun children's shoes are good people.

It is precisely because of his success with Zifubao. It gave people a lot of confidence, so later payment platforms such as Caihutong and Jingxitong could avoid many detours.

It is also his various experiments on Yu Wobao that allow people to see clearly what the bottom line of bank interest groups is and how to operate funds in the Internet age.

in a sense. Later, someone touted to Ma Yun as "the pioneer and leader of Internet commerce in China" is actually not an exaggeration, 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. As early as when Qin Yibin began to prepare, it was handed over to program developers for research, and Linus and a group of hackers were invited to crack and attack, and then he had to patch and encrypt again, after dozens of rounds of repeated repetitions. Later, it was finally finalized.

As it involves transactions with online company accounts. The banking supervision department also sent experts to inspect the security of Xiaoyao Wallet, and only in November issued the "third-party payment platform license" to Xiaoyao Mall.

With this third-party payment platform license, Xiaoyao Mall can justifiably deposit funds into its own bank account, and then follow the old path of student Ma Yun's money and treasure, forming a huge flow of funds.

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

But Xiao Qi is different, not to mention that he is already the greatest pride of Chinese entrepreneurs, just say that Yu Chengsheng and Niu Ruzheng have the face, then who would dare not give it to you?

Moreover, people originally have capital, procedures, and detailed founding ideas. If they deliberately don't give it, they can only make things difficult.

Where can the regulatory authorities dare to make things difficult for Xiao Qi? Where do they have the guts to make things difficult for Xiao Qi?

It can even be exaggerated to say that even if Xiao Qi didn't think of this third-party payment platform license, it won't be long before the regulatory authorities have to come to the door on their own initiative. Ask Xiao Qi to fill in the application form, and then distribute it as quickly as possible.

Xiao Qi also thought about whether it is possible to directly launch a fund platform similar to "Yu Wobao" when launching the Xiaoyao Wallet, prompting more people to transfer money directly to the Xiaoyao Wallet. Let Xiaoyao Wallet develop more rapidly.

After all, the tool of Xiaoyao Wallet is not only as simple as depositing funds, but also a change in payment mode.

In the future mobile payment, isn't it that you can directly use the Xiaoyao wallet and mobile phone to make various payments? ——Similarly, this is the mobile payment concept developed by Ma Yun. The development of this payment model that controls the flow of users' funds will make any bank feel scared!

But after thinking about it, he still gave up.

Now that the fund platform has been built, in the end, you still have to sign a contract with the bank, put the money in these accounts in the banks of China Agricultural Construction Company, and let the banks take the money as working capital every day?

It would be better to wait until after the acquisition of your own bank in Hong Kong and launch it in the Mainland; coupled with the promotion of your own Xiaoyao wallet, more people are accustomed to and like this Xiaoyao wallet model before launching this fund. The platform is good.

Don’t underestimate the money deposited in the Xiaoyao Wallet. Taking the scale of Taobao.com in 2013, Zifubao’s bank account has a huge deposit of at least 100 billion yuan a day on average. funds.

What is precipitation 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 taken out by users on the left hand, and other users on the right hand will have it immediately. Deposited, there is a certain amount of quantitative funds in the account of the third-party payment platform.

For example, Zifubao’s daily transaction volume is 15 billion, so it is usually calculated according to a seven-day transaction cycle, and the amount deposited is around 100 billion.

To put it more simply, there are customers who recharge every day to make money and withdraw money from Zifubao every day, but because of the existence of constant transactions and the deadline for receipt confirmation, the difference in between is generally fixed. , There is always a large amount of user's funds 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 business risks, the deposit funds have always been there, and Zifubao Company will absolutely not dare to move.

But it is a waste of waste to put it there, so Zifubao will sign a large deposit agreement with the bank, and use the funds as a fixed deposit to obtain a high bank interest.

Calculated according to the slightly lower 5% annual interest for exclusive super-large customers, the daily interest income is around 13.7 million, which is more than 400 million a month!

Zifubao Company does not need to pay anything at all, and can directly have so much income every day. From this, you finally know why Ma Yun is so confident about the development of Zifubao, right?

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

For this reason, public opinion has been chasing Zifubao for a while, questioning whether the money should be returned to consumers, so Ma Yun, who was not mature and completely domineering 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 so hard to write!

The other bank took this money out to lend, but it was generous, and the annual interest was at least 8%-12%! ——This is still a normal situation. If there is any relationship between people, deposit back agreement, etc., we don't know. Anyway, ordinary people want to borrow money from the bank, it must be very, very difficult!

Ma Yun is borrowing chickens to lay eggs, and the bank is borrowing chickens to lay eggs. He earns more than Ma Yun, and he doesn't bear any pressure. The media will never have the turn to question them. It is different if he is confident!

The giants of third-party payment companies such as Ma Yun have seen this huge advantage, plus the convenience in accounting, etc. Therefore, they have to sharpen their heads to obtain a private bank license and add more to their business. A pair of wings.

From the very beginning, Xiao Qi targeted his own bank, third-party payment platform, and fund platform. Therefore, the move to acquire a bank is definitely a magical stroke, and it is also an important factor for the success of the entire Xiaoyao family.

The six major consortiums in Japan are all financial and banking at their core. They all have their own banks, so they can develop so quickly, because they don't lack money!

Even after the Toshiba reorganization, Sony reorganization, Hitachi reorganization, etc., people through their own banks in the consortium, do a little bit of means to deal with, and they will be able to tide over the difficulties immediately.

It's ridiculous that people in our country are still there gloating and thinking that these old giants will just fall away, but in fact there is no such thing!

What a great benefit the bank has ~www.readwn.com~ Only when Xiao Qi is put into practice first will others know the mystery.

But after Ma Yun and the others found out, it might not be so easy to go to Hong Kong to pan for gold!

what!

It's not right.

Ma Yun is no longer his opponent now!

I already have a 30% stake in the Alibaba Group!

We are happy partners!

It should be to work hand in hand to fight against other competitors, and the two heroes should dominate the market! !

Just like Xiao Qi wants to cooperate with Apple and Samsung to dominate the high-end smart electronics market, as long as the top companies reach an agreement, it is a monopoly! (To be continued. If you like this work, you are welcome to come to the starting point () to vote recommended votes, monthly tickets, your support is my biggest motivation. Mobile users please go to read.)