With the joint efforts of all Orion, the money bag network grabbed the tail of June and went live as scheduled on June 30.

Orion adopts a rotating CEO system, and the daily management is undertaken by Fei Yang and Chang Dong in turn.

After the website was launched, the specific scope of work of the two was also formalized, Fei Yang was specifically responsible for the business on the asset side, and Chang Dong was specifically responsible for the business on the investment side.

At this juncture, ordinary people's investment channels are still very scarce, and the general investment channels are mainly concentrated in real estate, stocks, deposits and bank wealth management.

Because the rate of return on bank deposits and wealth management has been low, investors with a certain risk tolerance have invested more of their idle funds in the housing market and the stock market.

Last year, the subprime mortgage crisis on Wall Street erupted, causing financial turmoil around the world, and China's stock market was not spared, with the Shanghai Composite Index declining and the stock market that used to be like an ATM no longer in its glory.

This year, the government has strengthened the regulation of the real estate market, and the current housing market is also in a downturn. Coupled with the pressure of the cost of buying a house, it further weakens the investment desire of ordinary people.

The valuation bubbles in the stock market and the housing market have burst, and people's investment needs have become stronger, and everyone urgently needs a low-risk, high-yield investment channel.

It is in the context of such an era that the money bag network was born, it through the use of Internet technology, the asset side docking the bank's credit assets, the wealth management end docking customer financial needs, the money bag network will be the traditional finance and innovative finance organic combination, for the people to provide a new investment channel.

In order to improve the trust of investors, Qiandai.com purchased 1 billion yuan of performance guarantee insurance from Haizhou AB Insurance.

Performance bond insurance, in short, is a promise from Haizhou AB Insurance to investors that if Qiandai.com does not return the investor's principal and income in accordance with the contract, the insurance company will bear the liability for compensation.

The page design of the money bag network is concise and clear, with blue characters on a white background as the main color tone, and the risks and expected returns contained in each investment product are prominently marked in red font.

After users register and log in, they must conduct an online risk assessment, and the website backend will push different investment products according to the customer's evaluation results.

The annualized rate of return of Qiandai.com's products is between 5% and 8%, and during the promotion and marketing of the website, customers will be given 0.5% of the interest rate hike coupons, and if new customers are recommended to register and invest, they can also get another 1.5% reward.

Ding Le thinks that the annualized rate of return of the money bag network is enough to attract people's attention, think about the future of Yue Bao, when it was first launched, the seven-day annualized rate of return was 6%, which made netizens flock to it, and the number of users exceeded 1 million in just a few days, and the investment volume exceeded 10 billion in one month after it was launched.

The scale of Yu'e Bao once exceeded the total amount of personal demand and time deposits of China Merchants Bank, catching up with the deposit scale of the four major banks, and the future growth of Qiandai.com is worth looking forward to.

After the money bag network was launched, Fei Yang and Chang Dong led the asset side and the wealth management segment to make efforts at the same time, and all businesses have achieved good results.

Fei Yang and his business team are actively looking for the next cooperative bank, and they will take the county-level rural commercial bank under Haizhou City as a key marketing customer.

The full name of rural commercial bank is rural commercial bank, which is a form of financial organization formed by reorganization on the basis of the original rural credit cooperative.

Rural credit cooperatives were first established in the 50s of the last century, and their main task is to provide credit and settlement services for farmers' production and livelihood by extensively absorbing local farmers' deposits.

Since 2003, the state has proposed a pilot reform program for rural credit cooperatives, encouraging eligible areas to transform rural credit cooperatives into joint-stock commercial banks.

In recent years, the county-level rural commercial banks under the jurisdiction of Haizhou have successfully flipped their cards after successive restructuring, but their assets and liabilities are generally small, struggling around 500 billion yuan, and there is still a certain gap compared with the scale of Haizhou Bank that has already entered the threshold of 100 billion.

Thanks to the rapid economic growth within its jurisdiction, Wuxian Rural Commercial Bank has developed rapidly in various businesses in recent years, but it has also exposed some risks in the development process, and has been listed as a key regulatory object by regulators in the past two years.

Compared with several surrounding rural commercial banks, Wuxian Rural Commercial Bank has the strongest demand for improving liquidity and improving balance sheet structure.

After Yu Jiankang's introduction, Fei Yang finally met Yao Zhenggang, the chairman of Wuxian Rural Commercial Bank.

After Fei Yang briefly introduced the background of Qiandai.com, he focused on explaining the cooperation model between Qiandai.com and Haizhou Bank.

After his eloquent explanation and description of the beautiful vision for the future, he successfully opened the door of Wuxian Rural Commercial Bank.

For the first time, the two sides signed a 30 million yuan buyout asset transfer agreement, with the same purpose as Haizhou Bank, the two sides are mainly to establish a channel, if both sides agree to this cooperation model in the future, then the subsequent scale can continue to expand.

At the same time as Fei Yang conquered the city, Changdong also launched offline and online simultaneous publicity.

Online promotion through Baidu, as well as advertising on major portals to attract traffic. Offline will focus on publicity through news, newspapers, radio and other media.

At the same time, the local promotion team of Qiandai.com takes the major government units and office buildings in the city as key marketing areas, aiming at civil servants and urban white-collar workers who are familiar with Internet application scenarios and have certain investment and financial management experience.

Chang Dong's idea is that in order to seize market share, the yield of the current products far exceeds that of peers, and he wants to use this time window to quickly expand a group of high-end customers, so as to establish a hot spot for word-of-mouth communication.

Word-of-mouth is very important for the development of enterprises, the formation of word-of-mouth comes from products, the praise of products comes from customers, and high-end customers play an important role in this process.

High-end customers such as civil servants and elite white-collar workers often have a certain say in their circle of friends, and their recommendations can prompt most people in the circle of friends to be willing to follow.

With the first batch of high-end customers as the foundation, the product subscription rate of Qiandai.com will naturally be improved, and the reputation of the website will also be formed.

Chang Dong also sent a publicity plan to Ding Le and Fei Yang, he wanted to invite a few film and television stars with a good reputation to be spokes, and celebrity endorsements are more oriented to ordinary people.

At present, he is in preliminary contact with film and television companies, and Pu Chunxi and Chen Daoming are within his consideration.

In Ding Le's view, Chang Dong's idea is full of creativity, and through the recommendation of high-end customers' circle of friends or inviting celebrities to endorse, the wealth management products of Qiandai.com have certain social attributes.

Based on the trust relationship between people in the social circle, the process of customer investment has a certain temperature and interactive experience, so that Qiandai.com can achieve fission-style communication with very low marketing costs.

Ding Le feels that Chang Dong's plan is also applicable to Jumei.com, cosmetics are more topical than financial management. This plan can be transferred to Xu Jing to see.

After reading Chang Dong's planning plan, Ding Le suddenly thought of a more suitable candidate - Professor Lang.

Since 2004, this scholar, whose ancestral home is Qilu and was born in Taoyuan County, Taiwan Province, has gradually blown a "Lang whirlwind" in the mainland, especially after the "Lang Gu dispute", which has attracted the attention of the whole country.

At this moment, he is in the highlight stage of his life with the aura of many bright and blind aura, such as the chief professor of the Chinese University of Hong Kong, a famous economist, and a doctor from the Wharton School.

In the eyes of the public, he is an economist with clear views, sharp words, and spicy humor, and he has not yet stood on the platform for Pan Asia, Kuailu, and Wangzhou, and his personality has not collapsed.