The day with the most red envelopes is undoubtedly New Year’s Eve.
No matter which family you belong to, the family gathering you attend on New Year's Eve must be the most important family gathering for this family.
Therefore, at this kind of New Year's Eve dinner party, the elders give out the most red envelopes to the children.
With the development of the times, especially the emergence of WeChat red envelopes, not only the immediate elders can send red envelopes to children on this day, but also some collateral relatives can also send red envelopes to students and children on this day.
People give out red envelopes, or some rich people also start to spend a lot of money in their circle of friends.
Because after 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 red envelopes on WeChat.
Even for the Spring Festival Gala that night, the ratings dropped by several points. The reason was that many young people went to hand out and grab red envelopes and had no intention of watching TV.
Therefore, grabbing red envelopes through WeChat has become the most popular keyword during the Chinese New Year. This kind of interactive carnival launched on the Internet is very trendy and very cool, and has captured the hearts of big and small money fans... Well, everyone is
Big and small money lovers are of course just joking, but this kind of fun of grabbing money really makes people who have been depressed in real life very happy.
It is worth mentioning that there are already 950 million WeChat users. Due to the promotion of WeChat grabbing red envelopes during the Spring Festival, more than 50 million more users have opened WeChat, which directly makes WeChat users more popular.
The number of users has exceeded the 1 billion mark, making it the first instant communication tool used by more than 1 billion people. Even Skype cannot compare.
The most important thing is another point, that is, WeChat users who grab red envelopes need to bind bank cards to send and receive red envelopes. In particular, priority is given to binding Fairy Bank Cards and credit cards. Annual fees and text messages can also be waived.
There are a lot of small fees such as notification fees, so in addition to most people who are used to binding their other bank cards, there are also many people who open Fairy Bank savings cards specifically for this purpose.
Fairy Bank's bank cards and credit cards also ushered in a peak of account opening during the Spring Festival of the twelfth lunar month. The number of credit card users exceeded 12 million, and the number of debit card users exceeded 10 million. The number of users suddenly exceeded that of Chengdu Bank.
Commercial banks in provincial capital cities.
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 wonder how jealous it is of small commercial banks such as Chengdu Bank!
Think about it, how many years did it take them to reach their current scale?
Fairy Bank relied on the online platform, and in less than a year, it surpassed them in the number of users.
And if it continues to develop at this rate, the scale will definitely become larger and larger in the future, so the ways to make profits will naturally be diverse, and it will definitely surpass them very quickly - with more customers, various businesses can be developed easily, and 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 is to start selling online financial products after there are enough users, and after they become accustomed to online consumption and trust Fairy Bank.
According to the habits of banks such as Zhongnong Construction Engineering Co., Ltd., and even all other commercial banks, they are used to getting low-cost funds from the hands of ordinary people. Then they lend high interest rates to people doing business.
The step of profit sharing was not even thought of.
Xiao Qi didn't care at all about using Fairy Bank to make money from people. In Xiao Qi's mind, Fairy Bank was a stabilizing force for the Xiao family, not a weapon 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 large amount of funds. In the future, whether it is used for the group's turnover or to maintain the development of the entire Xiao faction, it will have a positive impact.
function.
Therefore, when Fairy Bank launches Yu Wo Bao, Tenpay and other financial products in the future, it will definitely give a large amount of profits to the people, so that they can really make up for part of the losses caused by rising prices on their deposits.
However, the interest cannot be paid too high. When Xiao Qi was reincarnated, because Yu Wobao was in a good situation, Ma Yun radically wanted to jump directly from the 6% annual interest rate to about 7%. Under Xiao Qi's reincarnation,
It seems that Mr. Ma is trying to provoke the central bank to suppress him.
The bank's benchmark one-year interest rate during the same period is only 3.5%. If Yu Wobao calculates the interest rate at about 6% even if he collects it every day, compared with the bank's current deposit interest rate, the gap is about 20 times!
With such a huge gap, how could it be possible to prevent people from withdrawing funds from banks and transferring them to Yu Wo Bao?
Faced with the loss of billions of funds, banks may not think it's a big deal, and tens of billions are still 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. Seeing that his own sons have been so wronged, it would be strange for Yu Wobao not to be suppressed and restricted!
Therefore, when Xiao Qi launched Yu Wo Bao, he could only adjust the interest rate between 5% and 6%. Without three to five years of stable development, he would never be able to break through the upper limit of 6%.
But even so, Xiao Qi could imagine how much money Fairy Bank would attract by taking this opportunity.
Yu Wo Bao can attract more than 200 billion yuan in fund shares. Fairy Bank not only has Yu Wo Bao, but also Tenpay and Xiaoyao Wallet financial products. In total, there should be at least 500 billion yuan in deposits.
An Internet-based commercial bank 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 does not need to wait until 2013 to launch Yuwobao, Tenpay and Xiaoyao Wallet financial products!
…
Speaking of Xiaoyao Wallet financial products, we have to talk about Xiaoyao Mall, which has successfully completed the "Spring Festival Strategy".
In one month from January 15th to February 15th, Xiaoyao Mall achieved a daily sales figure of 71.2 billion yuan, and was even featured on the China Central Television News Network.
We are often used to the fact that Fairy Company's products generate sales of tens of billions of yuan every time they are released. Perhaps many people are not interested in numbers like 71.2 billion.
But if you see some department store sales industry data, then you will know how powerful Xiaoyao Mall is.
In 2008, the total sales of Wangfujing Department Store Group's stores across the country were 16.2 billion.
In 2008, Gome's annual sales were 45.9 billion.
Suning Appliance, which is as famous as Gome, is almost 50 billion.
In other words, the revenue of Xiaoyao Mall in one month exceeds the revenue of Gome plus Wangfujing, or Suning plus Wangfujing in one year.
If we calculate the operating income of Xiaoyao Mall last year, it directly became the number one retail department store in the country with annual sales of 180 billion.
An online B2C company that has just been established for one year can directly become the number one retail department store giant in China. With such incredible results, how could you say that Xinwen Network would not pay attention to it?
Compared with the wailing of the traditional retail department store industry, Qin Yibin is not complacent, and he is not even happy at all.
The first reason is that 71.2 billion is almost 20 billion away from his ambitious target of 90 billion, which makes Qin Yibin, who boasts about Haikou, unhappy.
The second reason is because he is very clear in his mind. The Spring Festival strategy is actually an early consumption plan. After such a crazy shopping carnival, the customers of Xiaoyao Mall are very satisfied with their shopping enthusiasm and their wallets.
There is deep fatigue, at least within a month or two, Xiaoyao Mall's sales will not improve, or even plummet.
There is nothing to be proud of if one month's good results are followed by a sharp decline in the next one or two months.
If a turnover of 90 billion or more can be achieved, this subsequent plunge will only make sense.
Of course, this is because Qin Yibin has too high demands on 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 cannot reach the 90 billion sales target.
, sales of 71.2 billion are already very impressive in the eyes of others, but Qin Yibin is very dissatisfied.
Only a person with his temper is suitable to run Xiaoyao Mall, otherwise Xiaoyao Mall would not develop as fast as it does today.
And Qin Yibin is also quite interesting.
Once the Spring Festival strategy is completed, Xiao Qi will give out bonuses in Xiaoyao series, including 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 received a huge reward of 200 million yuan.
Qin Yibin 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 bonuses?"
In this way, Qin Yibin accepted it, and then directly transferred it privately to the company's education fund specifically for Mingxiang Primary School and Mingxiang Middle School. Huo Zhuzhu talked about this with Xiao Qi, and someone anonymously donated 2
Xiao Qi only found out about the fund account after he asked Qin Yibin.
Regardless of whether Qin Yibin is really too proud or because he wants to show off, Xiao Qi has always valued actual results.
Donating money can help others, and the momentum of not admitting defeat can lead Xiaoyao Mall to be more practical. Such a CEO is the talent Xiao Qi wants to use! (To be continued, please search Piaotian Literature, the novel is better and updated faster!