Ctrip Travel Network is selling "Cheng Bao"

Absrtact: According to the Sound of economic "world Company" report, now on the market already have a lot of baby financial management products, today, Ctrip also officially sold a journey of the treasure, although named after the treasure, but the two is not a thing. Cheng Po is neither with the fund

According to the Sound of economic "world Company" reported that there are many "baby" financial management products, today, Ctrip also officially sold a "Cheng Bao", although the "treasure" named, but the two are not the same thing.

"Cheng Po" has not cooperated with the fund company, nor other financial institutions to participate in the actual is for Ctrip users gift card promotional promotions. Ctrip Travel Network Public Affairs Department Wanghais today to accept "the world Company" interview stressed, "Cheng Bao" is not a financial products, but prepaid card, the equivalent of the user in Ctrip prepaid a certain amount of money to buy gift cards, but will have a certain value-added feedback. It is noteworthy that the prepaid and value-added parts can only be used in Ctrip travel network consumption, can not repurchase can not be realizable.

Wanghais: Strictly speaking, it is a single purpose payment card, similar to the nature of gift cards. Now many people may also have this misconception that it is a wealth management products, in fact it is not. Financial products generally have several characteristics, the first can add value, the second can be redeemed, that is, an investment products. But Ctrip this "Cheng Bao" is only a prepaid card, all of the value-added part is also on the Ctrip travel products on the reservation, can not be repurchase can not be realizable.

The threshold for the sale of this product is 5000 yuan, a total sale of 50 million yuan. In fact, to give users such value-added feedback is not new, but it is unique in that the value-added part is linked to the price of Ctrip. Wanghais Introduction, in terms of the year, the minimum guaranteed percentage of 6%.

Wanghais: If the price of Ctrip is larger, then consumers can also be followed by the additional gift of Ctrip, if the stock price is stable or a decline in the situation, then we will promise to consumers a minimum guarantee of 6% per year of the gift amount.

In accordance with the 90-day and 180-day closed period, as well as two types of gift card use, "Cheng Bao" has 1 to 4th four products. To "Cheng Po No. 1th" As an example, the closed period of May 20 to August 19, 90 days, after the expiration, will be in accordance with the price of Ctrip's One-second percentage point to give the user gift cards. If the stock price does not rise or fall, or the increase is very small, Ctrip will provide the proportion of guaranteed gifts, 6% per year, then the 90-day product guarantee is to send 1.5%.

"Cheng Bao" is not a wealth management products, but recently many "baby" wealth management products, Ctrip as an online tourism site, is also through the Internet financial timing to play "investment" stunt it? To this, Ctrip Travel Network Public affairs Department Wanghais not agree, he said, "Cheng Bao" mainly want to attract those who have medium and long-term travel planning of the crowd, hoping to save them a little tourism costs.

Wanghais: Many domestic consumers of the concept of tourism, family travel is increasingly recognized. Tourism products for the vast number of consumers, is not a small amount of expenditure. It may take 2, 30,000, or more for the whole family to travel in a medium or long term. If consumers are willing to put their hands on the special funds of tourism in Ctrip, then after a quarter or six months of closed period, will receive additional travel funds, for those who have travel needs, this is a preferential, help consumers save a certain cost.

In the field of online tourism, competition is becoming more and more complex. Since July 2012 began to now, the price of online travel has been a war, into the 2014, mobile end of the rapid rise, rapid increase in online penetration, this way can bring how many users Ctrip? Let's wait and see.