Age of Dreams

A consortium model requires a pillar.

The European and American consortium's approach is to make various consortium plans around a bank.

The Asian consortium’s foothold is to lay out all aspects of society, and it does not necessarily need a bank.

For example, the main pillar of the Samsung Group is not banks, but several large-scale companies such as Samsung Electronics and Samsung Heavy Industries.

The Mitsubishi consortium is the same, relying on the support of the heavy industry and the aerospace technology industry.

Xiao Qi prefers the management model of a Japanese-South Korean consortium, but he thinks a bank of his own is still indispensable.

Fairy Bank was established under such circumstances.

Although Xiao Qi had never been involved in financial services before, he was lucky enough to recruit MCA before it even opened.

With more than 30 years of experience in China Merchants Bank, MCA is naturally able to handle a new fairy bank.

In addition, Xiao Qi has never been unambiguous in terms of money. Any fairy bank that wants to use funds and resources is given priority, so that MCA can display its talents without being restricted.

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

If it were not limited to regulations, the fairies caused huge restrictions on RMB deposits and loans, and the top ten would have no problems at all.

Now, the main force of the Fairy Bank is naturally that the country expects it to break out of the Internet-related finance.

Internet-related finance is naturally not only the transaction on the Internet, but also some financial related to the Internet.

For example, credit card business.

Fairy has its own Xiaoyao Mall, plus the Alibaba Group in the bag, has more than 300 million users, and is constantly adding new users.

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

You read that right.

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

Moreover, more than 80% of the orders are made every month, and 63% of the orders are made once a week.

If it weren't for Taobao.com to lower this value, just these users of Xiaoyao Mall. On average, you have to use your credit card once or twice a week.

no way.

The daily necessities in Xiaoyao Mall are too 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 food in the morning. After you place your order, book the time. Basically, as soon as you get home, the vegetables, meat, fruits and vegetables you buy can be delivered to your home.. dvd.com.cn/cgd.cn/hgm.cn/hgm/hhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhh.

If you want to watch a football game at night but forgot to buy snacks and beer, you can also place an order at the Xiaoyao Mall. The game is delivered before the game starts.

It even includes MSG salt, toilet paper, etc. Many people are too lazy to want to go to the mall and directly ask Xiaoyao Mall to deliver them to their door.

Well, it's not accurate to say home delivery now.

Because the loss rate of electric vehicles in Huaguo is too high, Xiaoyao Mall and Xiaoyao Express jointly issued an announcement. I implore users to go downstairs to pick up things because they are too heavy to lift them. I also kindly ask them to come down and look at the electric bicycles on the way to the door, so that the things and the car will not be stolen by the thief.

Human hearts are grown in flesh.

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

Fairy Bank does not do RMB deposit and loan business.

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

obviously. The 32 million credit cards issued in the past six months are enough to make the big guys dumbfounded. They can't believe they can reach this point.

Of course things will not be as simple and easy as they see, in order to achieve this goal. Fairy Bank and even Fairy Company have made a lot of efforts.

Take Xiaoyao Mall as an example. As long as you bind a credit card from Fairy Bank, you can enjoy half-year installment payments, zero handling fees, and zero interest rates.

In addition, in the various activities of the Xiaoyao Mall, you can use the Fairy Bank credit card to pay the bill, which is always a little cheaper than other savings cards, credit cards and cash.

Although there are not many cheap ones. But after all, it is cheap, so those who often shop, especially girls who are good at calculating, are infatuated with using fairy bank credit cards.

However, 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 we must continue to work hard.

For example, in terms of credit card installment payment, you can still buy it this month and pay next month. Anyway, the credit card is bound and the agreement is signed. When the time comes, the card will be directly swiped through the bank, and the bill will be sent. People, 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 in as many places as possible to increase convenience.

For example, the mobile client terminal of Fairy Bank was improved again, and the mobile credit card quick payment was greatly increased.

For example, in conjunction with websites such as Dianping Dianping, and with merchants from all over the country, we will do some activities that offer discounts by using the Fairy Bank credit card. On the one hand, the bank subsidizes most of them. Everyone benefits.

These methods seem very simple, but as long as the reputation is formed, the more people will use the fairy bank credit card in the future, the more comfortable they will be, and the more life will be inseparable from it.

Xiao Qi believes that with the progress of society, the shopping model in China will definitely move closer to developed countries such as Europe, America, Japan and South Korea, credit card consumption will become the mainstream, and the cash-based transaction model will gradually fade.

That is, when the young people in the 00s grow up, this model should be finalized.

Therefore, the first step is to pave the way for credit cards, and then the Fairy Bank in the future may develop into a larger bank than the first private bank in China-Minsheng Bank.

Credit cards are only one aspect.

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

In 2013, Zifubao’s deposit capital was about 30 billion yuan. The precipitation fund means that the funds that will always be placed in Zifubao’s company account are derived from funds that are paid out and continuously deposited. This 30 billion is theoretically It is said that Ma Yun can do anything with it, that is, only put it in the bank, and have at least 1 billion net profits a year.

But in fact, Ma Yun's income is far more than that. He gives the bank seven or eight percent of interest, and the bank can also get at least five percent of interest with various bundled loans, so it should be at least 2 billion.

Of course, it was not enough in 2009. Zifubao's deposit capital is about 10 billion, which is used for turnover in the Fairy Bank, and the annual profit is 1 billion.

Xiaoyao Wallet is an online shopping mall that has no third-party supervision, but all its funds are circulated in Fairy Bank. In 2009, it will definitely exceed 500 billion transaction lines. Whether it is payment to suppliers or deposits in Xiaoyao Wallet, these are all through Fairy. The flow of the bank.

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

It's really pitiful to say.

Fairy Bank’s ordinary operating income this year is around 3.8 billion at most, but its operating expenditure has exceeded 20 billion. Of course, there are some items on the accounts, as well as various expansion needs for future expansion. Basic, but with such a high loss, it is still the highest in the Hua Guo banking industry-the bank with the most losses.

But the fairy bank has a lot of money.

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

With so much money, it’s a waste to not use it. MCA has already taken the money and loaned it to major projects invested by many countries. Although it is not allowed to do ordinary ways to absorb deposits from ordinary people and lend to them, this It is possible to participate in large-scale projects with large funds, and the same is true for foreign banks, except that they can only enjoy dividends, not project rights.

But these projects also have a bad point, that is, they are too long and the profit rate of return is stable, but the first return is usually only seen in two or three years~www.readwn.com~ When next year, the first batch of profits will return After that, the accounts of the Fairy Bank will look much better, and you don't need to just spend the capital provided by Xiao Qi.

Of course, Xiao Qi didn't care about the current losses of Fairy Bank.

In the banking industry, when you first started it, especially when you started as a small bank, it was normal to spend money to obtain living space.

If you are reluctant to spend money now, then when other banks see the profit of online commerce and all come forward, how can the small body of Fairy Bank stop them?

Don't forget, when the online commerce breaks out, Yu Wobao and mobile payment are the big pieces of fat that can really make Fairy Bank develop and grow!

Once these funds have all entered the capital flow of the Fairy Bank, then the entire Fairy Company's consortium model 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.)