Age of Dreams

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

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

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

With the development of the times, especially the emergence of WeChat red envelopes, it is not only the immediate elders who can give red envelopes to children on this day, but also some collateral relatives who also give students and children on this day. We give out red envelopes, or some wealthy people also start to spend money in the circle of friends.

Because after the New Year’s Eve, the meaning of red envelopes has diminished a lot.

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

Even at the Spring Festival Gala that night, the ratings dropped by several points. The reason is that many young people have gone to give out red envelopes and grab red envelopes, and have no intention of watching TV at all.

Wechat grabbing red envelopes has therefore become the most popular keyword during the Chinese New Year. This kind of national interactive carnival launched on the Internet is very trendy and very cool. It has caught everyone and laughed, but this kind of money grabbing The fun is indeed to make people who have been suppressed in real life for a long time very happy.

It is worth mentioning that there were 950 million WeChat users originally. Because of the promotion of WeChat grabbing red envelopes during the Spring Festival, more than 50 million users were added to open WeChat and directly let WeChat users. The user population has surpassed the 1 billion mark, making it the first instant communication tool used by more than 1 billion people, even Skype cannot match.

The most important thing is another point, that is, the users of WeChat grabbing red envelopes because they send red envelopes and get red envelopes. All need to bind bank cards, especially the priority to bind fairy bank cards and credit cards, and it can also waive a lot of small fees such as annual fees, SMS notification fees, etc., so most people are used to binding their other bank cards In addition, there are also many people who open up the savings card of Fairy Bank specifically for this.

The bank cards and credit cards of Fairy Bank are also during the Twelfth Lunar New Year. There was a peak of account opening. Credit card users exceeded 12 million, and savings card users also exceeded 10 million. The number of users suddenly surpassed that of commercial banks in provincial capital cities such as Chengdu Bank.

Although Fairy Bank is still far behind in terms of savings assets and lending, as long as it has enough users, it has enough room for imagination. I don't know how jealous it is to make small commercial banks such as Chengdu Bank!

Think about it, how many years it took them. Has the current scale?

Fairy Bank relied on the online platform, and in less than a year, it surpassed them in terms of the number of users.

Moreover, if we continue to develop at this speed, we are sure that the scale will become larger and larger in the future, so there will naturally be a variety of ways to make money, and it will definitely surpass them quickly-there are more customers, various businesses can be carried out, and there are fewer users Up. Naturally, it can only rely on some basic methods to make money.

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

Teenager's next plan. After there were enough users, after they became accustomed to online consumption, and even believed in Fairy Bank, they started selling online wealth management products.

According to the urgency of banks such as Zhongnong Jiangongtongzhao, and even the habit of all other commercial banks, they are accustomed to getting low-cost funds in the hands of ordinary people. Then they took out high interest rates to lend to business people, and never thought of the profit sharing step.

Xiao Qi didn't care about using the Fairy Bank to make money on the people. In Xiao Qi's mind, the Fairy Bank was a Dinghai Shenzhen to stabilize the Xiao family, not a weapon for wealth.

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

As long as the people can trust the Fairy Bank. With the credibility and prestige of the Fairy Bank, it will be able to gather a large amount of funds. In the future, whether it is used for the turnover of the group or maintaining the development of the entire Xiao faction, it will have a positive effect.

Therefore, when Fairy Bank acquires Wobao, Tenpay and other wealth management products in the future, it will definitely give a large amount of profits to the people, so that they can really make up a part of the loss of rising prices on their deposits.

However, this interest cannot be high enough. When Xiao Qi was reborn and reborn, because Yu Wobao was in a very good situation, Ma Yun aggressively wanted to leap from the 6% one-year interest rate directly to about 7%. In Xiao Qi It seems that President Ma is the rhythm of death that has caused the central bank to suppress it.

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

With such a big gap, how could it not allow people to withdraw money from banks and transfer them to Yu Wobao?

In the face of the loss of billions of funds, the banks may not think there is anything, even tens of billions of funds are acceptable, but when faced with the loss of hundreds of billions of funds, no bank can sit still.

Behind the commercial banks is the central bank. It is strange that Yu Wobao is not suppressed and restricted when his own sons are so wronged!

Therefore, when Xiao Qi launched Yu Wobao, he could only adjust the interest rate between 5% and 6%. Without three or five years of stable development, he would definitely not be able to break the upper limit of 6%.

But even so, Xiao Qi could imagine how much capital the Fairy Bank would attract by taking this as an opportunity.

Yu Wobao can absorb more than 200 billion yuan of fund shares. Fairy Bank not only only has Yu Wobao, but also Tenpay, and Xiaoyao Wallet wealth management products. In addition, there should be 500 billion yuan in deposits.

A network-based commercial bank can have a net deposit of 500 billion yuan, but it is definitely a lot!

Judging from the current momentum of Fairy Bank, Xiao Qi certainly does not have to wait until 2013 to launch Yu Wobao, Tenpay and Xiaoyao Wallet financial products!

...

Speaking of Xiaoyao Wallet financial products, it is necessary to talk about the Xiaoyao Mall that has successfully completed the "Chinese New Year Strategy".

From January 15th to February 15th, in one month, Xiaoyao Mall completed a total of 71.2 billion yuan in sales figures, and even got on the news broadcast of China Central Television.

I am often used to the Fairy Company’s products, and each sale is tens of billions of yuan in sales. Perhaps many people are not cold about the number of 71.2 billion.

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

In 2008, Wangfujing Department Store Group's stores nationwide totaled 16.2 billion in turnover.

In 2008, Gome's one-year sales was 45.9 billion in turnover.

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

In other words, the monthly revenue of Xiaoyao Mall exceeds that of Gome and Wangfujing, or Suning and Wangfujing in one year.

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

An online company that has just been established for one year can directly rise to the largest retail department store giant in China. How can you say that the news network does not pay attention to such a spectacular result?

Compared with the wailing in the traditional retail and department store industry, Qin Yibin was not overwhelmed, and he didn't even mean to be 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 praised Haikou, feel uncomfortable.

The second reason is that his mind is very clear. The Spring Festival strategy is actually an advance purchase. After such a crazy shopping carnival, the customers of Xiaoyao Mall, whether it is shopping excitement, love or purses, are all With deep fatigue, at least within a month or two, the turnover of Xiaoyao Mall will not improve, or even plummet.

There is nothing to be proud of if one month’s good results are exchanged for a sharp drop in performance in the next one or two months.

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

Of course, this is also what Qin Yibin's requirements for himself are too high. This guy is one of the rare workaholics Xiao Qi has ever seen, and his self-esteem and sense of honor are extremely strong. This kind of thing does not reach the 90 billion sales target. In the eyes of others, the sales of 71.2 billion are already very remarkable, but Qin Yibin is very dissatisfied.

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

And Qin Yibin is also quite interesting~www.readwn.com~ Once the Spring Festival strategy is completed, Xiao Qi will give out a big bonus in Xiaoyao Department, Xiaoyao Mall, Xiaoyao Logistics and Xiaoyao Express.

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

Qin Yibin resolutely refused to accept, saying that he had not achieved the expected goal, and he was ashamed of it.

Xiao Qi persuaded him, "If you don't pick it up, how dare other employees and executives accept it? Didn't you cause them to have no bonus?"

In this way, Qin Yibin accepted it, and then directly transferred it privately to the company’s education fund for Mingxiang Primary School and Mingxiang Middle School. Huo Zhuzhu and Xiao Qi talked about this matter, and someone donated it anonymously. The billions went to the fund account, Xiao Qi only found out after asking Qin Yibin.

Whether Qin Yibin is really too proud or because he wants to make a show, Xiao Qi always values ​​practical results.

Donations can help others, and the momentum of reluctance can lead Xiaoyao Mall to go more steadily. This is the talent Xiao Qi wants to use! (To be continued...) u