If Bonjour Mall wants to participate in the C2C market, the most important thing to solve is the credit problem of sellers and buyers. Without credit protection, www.biquge.info transactions between two parties can be very difficult.

At this time, it is necessary to mention Yijia Wallet, at the very beginning, Yijia Wallet needs the user's real-name system. It's just that in order to attract a large number of users, Yijia Wallet does not force users to carry out real-name system. Bind with an ordinary mobile phone number and email registration, and you can also use Alipay.

Yijia Wallet has issued a notice to all users, for the safety of Yijia Wallet's funds, users are required to real-name system, and Yijia Wallet will stop serving users if they do not complete real-name authentication within a limited time.

Depending on the account situation, the method of improving the identity information will be different, including binding a bank card, uploading an ID photo, filling in a personal information questionnaire, etc., and users can operate according to the page prompts. If you have bound your mobile phone to your Yijia wallet account, you can improve the perfection of your identity information by paying water, electricity, gas, and cable TV bills in your Yijia wallet, and buying train tickets and air tickets in your Yijia wallet.

Some functions of accounts that have not yet completed their identity information will be affected to varying degrees, and the specific degree of impact is related to the completeness of the user's identity information. For example, the balance payment function of an account requires a certain level of identity information to be used, but if you use online banking or bank card quick payment methods, it will not be affected in any way.

In order to minimize the impact of the implementation of the measures on the user experience, Yijia Wallet prompts and guides users to complete and improve their identity information in various ways in advance.

Most of the users can understand the measures to ensure the safety of their funds, and in a very short period of time, more than 200 million users have carried out the real-name system.

After more than half of the users carried out the real-name system, Yijia Wallet launched its own credit system. The big data platform is used to analyze all the user's consumption behaviors and capital transactions, and give the user a credit score. This credit score is based on the real-name system, which is more credible and deterrent than Yuntao's credit system.

According to the user's credit rating, Yijia Group has launched the Huabei function. The function of Yijia wallet Huabei is somewhat similar to that of credit cards, for example, consumers can shop in advance through Huabei, and then return the money next month, and the amount of Huabei will be determined according to complex big data calculations and consumer payment habits. The difference is that Huabei is now only available for online shopping in Bonjour Mall. Regardless, with a maximum interest-free period of 41 days, consumers do have an easier way to shop online.

Although these restrictions have been reduced in recent years, if you want to apply for a card, you still have to go through a strict qualification review process, and you also have to pay an annual fee, card fee, lost and re-replenished fees, etc., and the overdue failure to repay the loan will also be recorded in the personal credit record, which will directly affect the future loan behavior, which is fearful.

The Huabei of Yijia wallet is obviously much simpler, and the overdraft function is no different from that of a credit card, but it gives consumers more personal space, and it will not transfer the pressure of advance funds generated by consumers in the shopping process to the bank, and then attribute the risk to the bank, avoiding a lot of unnecessary troubles and having a subversive impact on the entire credit system.

The credit system of Yijia wallet and the launch of Huabei are to lay a good foundation for the C2C business of Bonjour Mall. The credit system can reduce the risk of transactions between sellers and buyers, and buyers will also pay attention to the seller's creditworthiness when purchasing goods. And the existence of Huabei objectively gives the chopper a reason to consume, so that it will not be unable to buy it because of financial problems. Of course, there is borrowing and repaying, and it is not difficult to borrow again, if the user does not pay the first installment, then there will be no follow-up payment, and it will affect the user's credit score.

In the absence of a national-level credit system, the credit score of Yijia wallet is reasonable and evidence-based, and will become the basis for many institutions and organizations to evaluate individual users in the future.

Yuntao is very concerned about the joint actions of Yijia Group and Bonjour Mall, and vaguely guesses that all these actions are paving the way for C2C. However, Yuntao has no way but to wait for Bonjour Mall to launch its C2C business.

Ma Yun is not a character who sits idly by and will never wait for Bonjour Mall to enter the C2C business. Yuntao started with B2B business, followed by rapid development in C2C business, and became a giant in the domestic Internet industry through huge traffic and advertising revenue.

It can be said that B2B business is the foundation of Yuntao, and C2C is the core of Yuntao, and both are indispensable. If Yuntao loses its monopoly position in C2C, then the position of Yuntao will plummet, and the main revenue items will be greatly reduced.

Ma Yun will not watch Yuntao gradually die, he feels that he will unite with Penguin to carry out the deepest cooperation to jointly resist the strength of Yijia Network and Bonjour Mall.

Yuntao and Penguin have previously reached a loose alliance and cooperated on traffic and resources. But both have their own minds, and even have the mind to be a yellow sparrow. Now, both companies are being suppressed, either waiting to die together or fighting to the death.

The negotiation between Ma Yun and Ma Huateng has not yet been fruitful, and Yijia Network and Bonjour Mall have announced the cooperation plan of the two companies. Yijia Network and Bonjour Mall jointly established a C2C platform, which is responsible for the specific operation, while Yijia Network uses social platforms and instant messaging to promote the platform.

It can be said that Bonjour and Yijia have completed what Ma Yun and Ma Huateng are planning.

Using social networks to drive traffic to shopping platforms not only increases the exposure of products, but also diversifies the way you shop. The cooperation between Yijia Network and Bonjour Mall also makes Bonjour Mall more and more dependent on Yijia Network, avoiding the possibility of independence that may occur in the future.

The newly established C2C platform is still under the name of Bonjour, and in the case of real-name system, it simplifies the procedures for sellers and buyers to settle in. Almost instantly, a large number of sellers appeared on the Bonjour platform.

These sellers are not professional sellers, and many of them are just because of the promotion of Yijia's social networks, which gives them the urge to sell their items. (To be continued.) )