The shortcoming of e-commerce is that buyers and sellers do not know each other and do not trust each other.
From ancient times to the present, buyers and sellers always like to pay attention to the clearness of money and goods. After moving the transaction method to the Internet, there has been an acclimatization situation.
Sellers are afraid of not receiving payment, and buyers are afraid of giving away their money, but end up buying shoddy fake goods.
Especially in this era when e-commerce has just developed, potential customer groups have no knowledge of it, making it difficult to open the market and seriously restricting the development of Dibao.com.
Su Yehao knows that if this problem is not solved as soon as possible, there will be no way to make the trading platform bigger and stronger.
Therefore, in the middle of the year, by looking for people to write programs in Silicon Valley, and also saying hello to acquaintances in Sijiu City, I spent some time to create such a "credit treasure", which is specially used to deal with customers and stores during the online shopping process.
The problem of mutual trust.
The usage method has not changed at all. The customer still transfers the payment to the guarantee platform first. After the customer confirms receipt of the goods and is satisfied, the guarantee platform then transfers the payment to the merchant.
Because there is a platform responsible for guaranteeing the payment, the risk of online shopping is greatly reduced, and both buyers and sellers are more assured.
However, mobile payment is still a new thing after all. Once the transaction volume increases, it will inevitably attract the attention of financial regulatory authorities.
This is why Su Yehao took the initiative to find someone to connect and contact the Bank Card Networking General Working Group of the People's Bank of China. It is the predecessor of UnionPay and is currently mainly responsible for promoting the network operation of bank cards in medium and large cities and the use of them across regions.
Having experienced the experience of boss Ma living alone, Su Yehao learned to be smart from the beginning and directly used his own influence to win cooperation with relevant departments.
If necessary, you can even bring along a large and powerful bank to try to get SSSSS Asset Management to benefit from it as soon as possible.
According to his asset layout, there is really no need to live alone.
While making money on your own, you can recruit more powerful allies to move forward quickly and steadily, so why bother making enemies everywhere.
For example, 5S Asset Management, a joint venture established by four major groups, has unexpectedly raised more than 10 billion yuan.
[To be honest, I have been using Yeguo to read and catch up on books recently. I can switch sources and read aloud with many sounds. www. Android and Apple are available.]
The above sent people to investigate and inspect him from time to time, and the conclusions obtained were mainly complimentary. They appreciated that he used the idle funds in the society in the right place, which greatly promoted the development of the asset management industry.
There are also investment banking projects that are being negotiated with banks, securities firms and other financial companies. They are now in the preparation stage and have been given the green light to proceed smoothly.
to be honest.
Su Yehao has no shortage of investment projects, and it has become a habit for him to start a business with great success. He has no worries at the same time and does not have to worry about someone taking away the initiative.
Others generally cannot do the business he does, and even if they do, they often cannot compete with him. He has broken away from the level of ordinary businessmen and is standing on a higher level.
Boss Ma certainly knows that the company's performance has soared in the past two months, mainly because the young boss in front of him is too embarrassed to take all the credit on himself.
After talking about the company's recent situation, he suddenly said to Su Yehao:
"Credit Bao, I find it a bit interesting. The money in and out of the custody account has basically remained at around 400 million yuan in the past month. I have an immature idea. If I treat this money as a deposit,
If you put it in the bank and earn interest, including the increase in bank interest, wouldn't you be able to make a net profit of more than 10 million per year?"
It seems like they are chatting, but in fact they are just asking for opinions.
If he easily misappropriates customers' transaction money, once the news gets out, Boss Ma feels that even if he doesn't pack up and leave, he may be demoted again and again.
So even though I was eager for the income brought by the strong wind, I still came to see Su Yehao first and wanted to get some relief in advance.
Su Yehao was a little puzzled at first, thinking about buying and selling transactions, why the money in his account wouldn't move.
After thinking about it for a moment, I suddenly realized that while money was being transferred to the seller, new customers were also placing orders and transferring new funds. Taking into account the time difference in the buying and selling process, it seemed that we could really build a fund pool.
To put it figuratively.
Credit Treasure is like a pool. While water flows out, there is also water flowing in continuously.
As long as all the transactions of Xinxinbao are not completed on the same day, there will always be funds temporarily sinking in the pool. If the new water flowing in is used directly to fill the downstream, part of the idle funds can really be put into the bank to earn interest.
The reason why Su Yehao thought of it so quickly was because he had seen the news about a certain Alipay affecting the interests of the bank. He originally thought that Xinxinbao would only serve as a platform for the time being and would not involve that step. He never thought that a fund pool would already appear.
Already.
After thinking for a few seconds, Su Yehao waved his hand and said:
"Don't think about this money for the time being. It's not cost-effective to affect your reputation for a small profit. When the scale grows in the future, even if we don't mention it ourselves, the bank will find a way to help us. Why jump out to attract firepower and get beaten easily?
.”
The annual interest of more than 10 million yuan has become a "petty profit" in his words.
Boss Ma, who heard these words, felt it was natural and answered decisively:
"Yes, I have just cooperated with them now. If I stop Credit Bank, I will suffer a lot. In the past, many merchants were unmoved by the talk. Since they used the banner of UnionPay, and Mr. Su
Your company’s business is much better now than before.”
"Well, we can try to sell black diamond mobile phones and yellow diamond computers online before the end of the year, and first select some first- and second-tier cities with convenient logistics as pilot projects."
"Okay! This is what I want to say. There are already companies outside that are doing personal business. I'm worried that one step will be slow and one step will be slow, but their strength will definitely not be comparable to yours."
Boss Ma smoked a cigar and continued to laugh:
"I'm coming this time. I actually want to make it easier for you, the boss. Can you please come forward to do an interview about Credit Bao? Then let the salesman bring the newspaper to discuss business with the merchants to ensure that we can do it quickly.
When it comes to acquiring new customers, many people don’t even know about it, especially those in their 40s and 50s, who have very stubborn ideas.”
Upon hearing this.
Su Yehao looked at Boss Ma, touched his chin and told:
"It's not impossible. We can take advantage of the time lag to gain market share before other entrepreneurs react. But, are you sure you are ready? Logistics channels, the scale of Internet users, etc., do not seem to be very good for the time being.
If we show our cards in advance, we will be on the same starting line as others in the future, and companies like Amazon and eBay will be difficult to deal with."
Boss Ma didn’t think so. He shook his head and said: “If you are worried about this, you should not have launched Credit Bao too early from the beginning. It will be embarrassing if it is not up or down now. It is better to do your best to promote the brand, while no one competes, and the market is crowded.
is ours."
I think what he said makes sense.
Su Yehao blew out a smoke ring, nodded, and replied:
"That's right. As long as we run fast enough, others can't catch up with us. Preconceived brand concepts are also very important. Well, let's pay you another 200 million yuan at the end of the year. You go back and prepare, and you must be the first to win Jiangsu, Zhejiang and Shanghai.
market.”
"It's enough in the short term. It's 200 million. Next year I'm confident that the transaction volume will exceed 3 billion!"
Dibao e-commerce website is currently busy with business-to-business B2B business. The turnover of a single order may be tens of millions of RMB. Although it is a bit troublesome to achieve a turnover of 3 billion, it is not impossible.
possible.
The free shipping area has been prosperous since ancient times, and now private companies are everywhere. With word of mouth spreading about the convenience and speed of Dibao.com, there should be some improvement next year.
Su Yehao said calmly:
"It's nothing if the transaction volume exceeds 3 billion yuan. When the company's revenue reaches 3 billion yuan, it will be considered a real success. Remember to save money, otherwise the company will not make a profit by then, and I won't be able to survive it first."
Living."
When he heard the word "revenue", Boss Ma suddenly lost his voice.
This year's turnover seems to have increased well, but in fact, it is a loss-making profit. Taking into account advertising, express delivery fees, etc., it has only earned more than 8 million yuan in December, which is not enough to pay salaries to all employees...