Internet finance new play: Red bar shopping, rewriting and rewriting payment and financial model

As a child, the family open the canteen, most people are holding money to buy things, but there are always some people come over on credit, point to write a signed with the White paper, wait until the sale of food or pig duck chicken goose again to settle. That time is the opening and reform of the early "binge-eating wind" prevalence of the era, "do not sell" ideas affect the entire social business system, from the manufacturers to distribution businesses to the end of the rural shops, can be "white" credit. As for the section, probably only to the next purchase time, if the next purchase is in six months or a year later, well, we all know, in fact, there are many people, because there is no second purchase and rich.

To say, this kind of white stripes is an early credit overdraft, is based on the understanding of each other's situation on the basis of knowing that the other party has a certain ability to repay will be sold on credit. No doubt credit can improve people's ability to buy, but there is a certain risk, if the other is not my ability to repay what to do? Over the past more than 20 years, banks have eaten too much and released a loan that is like a stuffed bun in a dog's way, usually with the bankruptcy of private enterprises or the escape of entrepreneurs. So, when banks open up their personal credit card purchases, they have a credit card system, with credit to limit personal consumption behavior, credit out of the problem, can not buy cars, of course, most of the credit did not I on the issue of the people became the house of slaves, car slaves and the slave, almost every slave behind the old label to bite.

Although the debt situation is serious, it is certain that the various ways of early consumption have really greatly improved the consumption ability of modern young people, 70, 80 and become the mainstream of contemporary consumption, this from the Beijing-east of the white-striped shopping and cat's installment shopping can be seen, of course, these two kinds of consumption are linked to the credit card, still want to guarantee the credibility. Even so, the way to buy thousands of of thousands of items in multiple periods is popular with young people, at least to buy what they want, and that's what value is.

The practice of spending future money on the present is also criticized, which is not in line with the Chinese value of saving old age, but in a different way of thinking, the normal savings are measured by money, and consumption is measured by things, the money is likely to depreciate, and things are practical and likely to appreciate, so the storage is more cost-effective than the money, Cut more secure.

In the description of the previous article, you can feel that, so far, basically all the way to spend money is easy or credit overdraft, and the recent red "red bar shopping" but uncharacteristically, play is "money shopping on schedule return", plainly is not to spend money shopping, this kind of consumption way on the line has aroused social controversy, What do consumers earn without spending money? And a product can be based on the consumer will choose a different price, the higher the amount of money to return the shorter term, if the money returned not to do?

viagra studied red strip shopping, not so much in the use of this way of shopping, rather than in playing internet finance, red bar shopping is to raise consumer money for financial circulation, within a certain period of time has a certain amount of financial income, and then the income based on the amount of consumer investment in the return time distribution, Finally, the user will return all the money to the user. Compared with the balance treasure and other financial products, as a reward for participating in the financial, the user is the product of their choice.

In fact, users want to participate in Internet finance, but also want to "borrow money", born money will also be used for two times consumption, red bar shopping is the user to other shopping malls to buy their own, but first by not spending money to attract consumers to participate in this financial, but also to the shopping users want more shopping options. Viagra looked at the red shopping app, although the current commodity category is not much, but the millet mobile phones and other heavyweight commodities have landed in its mall, Apple 6 will also be published in the red after the release of the sale, it seems that the business of this consumption is still enough interest.

Banks or communications operators also have points mall, the consumer points as a consumer benefits, of course, the integration can only be used in their own shopping malls. Red Bar shopping is to each commodity as a financial project, the user will be involved in the acquisition of the product. This is similar to the public, but there is a clear difference, the majority of people are more inclined to the product itself, the participants will eventually pay to buy a place in the public only sell product concept of goods, red shopping is the ultimate recovery of the principal and get a desired commodity for the dividend.

See here, we should understand the red bar shopping is what, and for the risk and safety issues raised before, we can go to consult Ping An insurance, heard that this shopping model obtained the favor of China Ping Property Insurance, the first to red shopping users to provide funds security.

Said a lot, probably many people do not know the Red strip shopping product form. Red Bar Shopping by Shenzhen Three-dimensional technology operation, three-dimensional app mall in March 2014 officially on the line, this is a three-dimensional payment based on the collection of trading, social, life services, financial services, such as the functions of the mobile application platform as a whole. About their products say these, more introduction, you can go to search.

I've written a lot of apps, and I've often told my friends, "one app changes an industry." For the red bar shopping such a rewriting payment and financial model of the app, even if not subvert an industry, at least will be part of the industry.