2013 was the year with the biggest changes in the Internet field. The establishment of Baidu Takeaway broke the market balance formed by several major takeaway companies. At the same time, the breakup between Baidu and Toutiao has shaken the dominant position of Today Youxuan in the takeaway industry.

Meituan, the second-ranked company, immediately started large subsidies, and Alipay also participated, and Ele.me and flash delivery also began to become active. In addition, Baidu Takeaway, which is rich, in the fiercely competitive city, many takeaway workers' income easily exceeded 10,000 yuan, attracting countless young people to join in. All merchants also made a lot of money, consumers also gained benefits, and dine-in at outside ** is even cheaper.

In the social field, the QQ and WeChat launches sending red envelopes and various virtual benefits. Although it has some effect, the market size cannot be large in any case. The result of being too profitable is that people send red envelopes for prizes. But let alone whether they can get prizes, Tengxun can't meet the needs of each person alone.

After a long time, people lost too much interest in red envelopes. However, because Quxin has bound enough bank cards and offline payments have begun to become popular, it will be more convenient to trade. Some of the change in Quxin has begun to slowly solve the problem of fragmented change in people's wallets.

After a month of waiting, CITIC Bank was the first to reply and accepted Quxin's strategy of large-scale deposit funds. However, before Quxin achieved results, CITIC would not foolishly give high interest directly. For the sake of security, CITIC has set a hierarchical ladder system. The more deposits, the higher the interest.

"More than 30 billion, annualized interest rate is 8%. " Zhou Yujie looked at a form about CITIC interest in his hand and said in a low voice.

Zhong Guangwei said: "As long as it exceeds 1 billion, there will be 5%. Based on this interest, we will give 3% to users, which will be enough to attract a large number of people to put their money in Yu'ebao."

The existence of Yu'ebao means that it can pay interest on users' change, which is something that traditional banks cannot do. First, because the interest rate for short-term deposits is low and there are term limits. Second, the cost of absorbing deposits is too high, and it is difficult for banks to attract ordinary people to put one or two thousand yuan into users for deposit for a fixed period.

The characteristic of Yu'ebao is that it pays interest every day, and then users can spend money at any time. This benefit, even if the interest is the same as the bank, can attract a lot of people.

"3% is too little, just 6%. " Zhou Yujie denied: "3% is indeed more cost-effective than banks, but our competitors are not banks, but Alibaba, Tengxun and even Baidu.

Yu'ebao does not have any technical content. Once it is launched, they can also copy it quickly. We want to build the most perfect moat and the best way to attract a large number of users with the highest interest rate. We strive to quickly seize the market like red envelopes.

The interest rate of 6% is already very high. With the size of Quxin users, the higher the amount, the higher the interest rate CITIC will give us. If it can reach an amount of 30 billion, then we can not only absorb enough change in the market, but also prevent Alibaba and Tengxun from falling."

Zhong Guangwei said: "Mr. Zhou, doing this will indeed form a strong market advantage as you said. However, in this way, the interest rate of 6 points will probably allow many people to deposit all the money originally stored in the bank into Yu'ebao. What is the banking aspect?"

"Don't worry about the bank's reaction. Since CITIC has gained benefits, it can more or less bear it for a while." Zhou Yujie said lightly.

Whether it is now or later, the emergence of Yu'ebao products will definitely encounter unprecedented troubles when the cheese of the bank is affected, but if you don't do this, it's a fool's operation.

Although you will encounter a lot of trouble in the process, and you will definitely not be able to play with the bank in the end, the final result is that the bank pays Yu'ebao the first point of interest. Yu'ebao's interest rate is less, which is probably only about the same as a one-year regular period, about 2 percentage points. In this way, Yu'ebao's attractiveness to users is not so strong.

But this happened a long time later, and it was not very attractive. It just means that users will not place large sums on Yu'ebao, but the usage habits they formed will not change anymore.

This depends on the huge interest in the early stage. When the banking giants have not reacted and the financial management department has not intervened, attracting users is the most important thing, and at the same time, it is necessary to avoid competitors from participating.

After Alipay launched Yu'ebao in later generations, WeChat was also launched simultaneously, but if the advantage of the first-mover player was lost, it would basically not catch up, even if WeChat had a huge number of users.

Zhong Guangwei nodded and said, "Okay, then I will directly announce the 6% interest."

Zhou Yujie said: "Tell me about Lin Youde that Toutiao will release a large amount of information flow to attract Yu'ebao."

......

On April 1, 2013, the Yu'ebao link was officially launched on the interface of Quxin Payment. After the user clicked, he would enter a new account. The change or bound bank card on Quxin Payment can be directly charged to enter this account.

The annualized interest rate on this account is 6%. At the same time, Toutiao has also begun to promote strongly, with an annual interest of 6%, allowing all people with deposits to subconsciously click in.

In Xuzhou City, at 9 pm, Wang Huijuan, who had just finished her fruit shop business, began to calculate the operating income for several days.

She will record every transaction every day and can reconcile it at night.

It took nearly 15 minutes before Wang Huijuan settled the cash in the cash register. In addition to the amount on Quxin and Alipay, the income today was about 3,000 yuan, and the business was pretty good.

After stretching, Wang Huijuan turned off the cash register. Nowadays, she feels more and more that it is too troublesome to collect cash. It is more convenient for Alipay or Quxin payment. There is no need to make change, no calculation, no need to deposit in the bank, no need to exchange change or whole coins, which is much more convenient.

Suddenly, the official account link of "Yu'ebao" popped up on the Quxin page. Wang Huijuan clicked in and saw that the annual interest rate was 6%, which immediately attracted her.

She usually does business and basically makes money in the bank, and she pays off her loan while making money. Then when the down payment is enough, she can buy a third house.

The interest rate of 6% has even exceeded the mortgage interest rate, let alone ordinary users’ deposits.

A tentative deposit of 10,000 yuan was tentatively deposited. A line of small words below the amount showed that today's estimated interest rate was 1.6 yuan. Although it was not much, the interest was correct. With Quxin's popularity, it was impossible to fake it in this regard.
Chapter completed!