Brother Li was full of curiosity and began to scratch this C-level financial product lottery ticket. Pen @ fun @ pavilion wWw. ｂｉｑUｇE。 ｉｎｆｏ

Good guy, when I scraped this thing, I felt a sense of excitement inexplicably, which made Brother Li's heart pound and beat all the time.

Eventually, the winning sign came out.

It is actually a C-level one-star credit card product.

After Brother Li threw this lottery ticket into this financial machine, the financial machine added this credit card category to the category of financial products that had been obtained.

This C-level financial machine shows the attribute value of this credit card, with an overdraft limit of 10,000 yuan, a repayment period of 30 days, a handling fee of 2/10,000 for one day overdue, and an annual fee of 20 days. Although it seems that the attribute value is relatively scummy at present, after all, it only has a one-star zero strengthening, but this unexpected gain still makes Brother Li seem quite happy. This means that in the future, Brother Li can start to issue credit cards, which is equivalent to having his own personal loan business, which is very conducive to the bank's financing of personal funds.

At the same time, Brother Li looked at the attribute value of the previous C-level three-star e-commerce system, which was displayed like this.

"You can put up to 50 stores on the shelves, and you can set up to three treasures in one store."

"Credit card installments are supported on the buyer's side."

"The seller side supports logistics and distribution services, and directly collects and pays to corporate accounts."

"The merchant transaction fee is 2/10,000."

(That is to say, if a customer buys a treasure worth 10,000 Tianting Coins in the store in the e-commerce system, he will automatically deduct two Tianting Coins from the merchant to the public account as a handling fee, which is the direct income of Tianting Bank.) ）

This e-commerce system seems to be much more complicated than the previous cards, and these functions are more basic functions in the e-commerce system.

Subsequently, Brother Li called Chen Gong and designed online banking and mobile banking.

This online banking includes corporate online banking and personal online banking, naturally, if you engage in e-commerce, of course, these two online banks must be done, and both corporate online banking and personal online banking are indispensable.

Then, Brother Li got a C-level two-star personal online banking and a C-level one-star corporate online banking.

At the same time, Brother Li quickly came up with a C-level two-star mobile bank.

The production of these financial products cost a total of nearly 5.4 billion, which means that the profits of more than two weeks were spent all at once.

After this design was carried out all the way, this C-level financial machine gained 15,000 experience points, and also obtained two C-level financial product lottery tickets.

When Brother Li saw this lottery ticket, he naturally felt itching, but he never thought that this lottery ticket would be empty, and the one drawn was actually empty, and there was also a C-level one-star personal quick payment system that allowed Brother Li to draw a C-level one-star personal fast payment system.

Next, Brother Li and Chen Gong made a list of the current C-level products in order to match the products and lay the foundation for the marketing and upgrading of C-level financial products in the next step.

Class C financial products are as follows:

C-level one-star personal fast payment system.

C-rated one-star credit card.

C-level one-star corporate online banking.

C-level two-star personal online banking.

C-level two-star mobile banking.

C-level three-star e-commerce system.

C-level four-star +7 wealth management products.

After looking at the financial products obtained by directly using money to buy raw materials at this stage, Brother Li discussed it with Chen Gong and the others.

Brother Li said: "Minister Chen, I'll talk about the card first. The previous D-level merchant card is currently issued a lot of cards, but the profit value is really not good, after all, it is only a debit card, can not be overdrawn, through the issuance of the card customer volume went up a lot, I looked at the system and showed that there are nearly 8,000 customers have handled this card, but the main selling point is the low annual fee, we almost do not have any profit point, at that time, the main thing is to do the volume, expand the popularity, now after the card market opens, I plan to do this credit card in the second step, This, the profit will be faster than the D-level merchant card, I think this will be our second profit growth point in the future, you see if there is any way, this credit card with the help of our current preparation to promote the main e-commerce system, into the market, further profit value, after all, although e-commerce is a product we want to push, but after all, there is no substantial profit growth point for this e-commerce, the early transaction volume is small, and the transaction fee charged can be imagined. Only by matching the corresponding products for customers and then shopping on our e-commerce is our real profit point, Chen Gong, what do you think? ”

Chen Gong thought for a while, and then said to Brother Li: "President Li, I think so, e-commerce is still very widely publicized, let's hit this e-commerce first, in our Tianting Internet, there is no similar mature e-commerce system, if we concentrate on this, there must still be a certain market, we can vigorously promote this e-commerce, first do B2C, B2B, I personally feel that this Tianting is not very developed, you can put it first." Then, on the buyer's side, it matches credit cards, quick payments, personal online banking, mobile banking and other products for customers, and promotes this public online banking on the seller's side. In short, I have an overview, that is, to e-commerce as the main product, credit card as a secondary product, and then fast payment, online banking, mobile banking, corporate online banking and other products as supporting auxiliary products to recommend, although these products supporting auxiliary type in the current look very chicken, but without them, this e-commerce system can not play, we can first reduce the cost of supporting auxiliary products to the minimum, not as a profit growth point, the credit card charges are raised, only in this way, Only then can we make a better sustainable e-commerce model for sustainable development. ”

"Well, Chen Gong, what you said is reasonable, I'm actually a little worried about rashly engaging in this e-commerce, isn't it too radical, after all, our supporting products have not been rolled out, including online banking, mobile banking, etc., the brand of e-commerce here has been played, and the customers over there are still in the clouds, and they don't know how to operate the application, and then it will be really troublesome, not only can they not experience e-commerce, but they also feel that our supporting things are cumbersome, and at that time, they will encounter big trouble."

"In fact, this point, President Li, I have already considered it, but the marketing of this supporting product is not in a hurry, as long as they feel that the e-commerce is good, they will naturally come to ask our supporting products, we don't need to do special marketing on the supporting products, it will naturally come to learn, after they learn, they will begin to experience the e-commerce services of our bank, after all, it has been carried out to this point, or go first to see how the effect is, we will make another plan, if you stop immediately, it is really a bit more than worth the loss."

Brother Li nodded and said, "That's all it can be." ”

But there is still a faint sense of worry in his heart, it seems to be very worried that the concept of e-commerce is not accepted by the market, their financial products and supporting services can not keep up, not recognized by customers, at that time it was really miserable, after all, the original intention of doing this e-commerce, but also just to compete with the prefectural bank, the brain is ready to do it, although it will definitely be done in the future, but I don't know if the current time is right, now think about it, it seems that it was too impulsive.

Brother Li made an in-depth analysis of the Difu Bank, the online banking and other auxiliary supporting systems of the Difu Bank have long been mature, and the amount of customers using these supporting systems is very large, so its customers have a high degree of general recognition of the e-commerce of the Difu Bank, which has been affirmed by the market, and the number of its customers is increasing day by day, which has made its e-commerce develop rapidly.

And Brother online banking and other auxiliary supporting systems launched simultaneously, it does not have a stable number of customers, this is what makes Brother the most worried, the synchronous launch will definitely be subject to a greater market impact, the customer's unfamiliarity with the product is the biggest killer of the product, now let's not say that it is this e-commerce system, just the unfamiliarity of this auxiliary supporting online banking and other systems is enough to lose some customers, however, the urgency of time has to let Brother Li do this.

At the same time, in this e-commerce, Brother Li seems to have invested too much in this area, and the current capital chain is not very smooth.

But no matter what you say, worrying doesn't help, it's a mule or a horse, and there will be a day when we race together.

Brother Li then hurriedly looked for merchants, one by one to promote the e-commerce system and corporate online banking they developed, these merchants were very cooperative, Brother Li successfully got the store information of these merchants into this e-commerce system, merchants settled in, baby on the shelves, almost busy half dead, and then waited for promotion.

The Baotao e-commerce release conference of Tianting Bank is scheduled to open the day after tomorrow, and the real moment of understanding is coming.