Ten strokes to play the transfer of electricity business finance, you are the electric business big! (1)

Former electronic commerce finance old play

In the modern history of China, there is a very famous businessman, financier Zhiyong (1818―1907). As Chogui grandson of Zhiyong after the family business, in the social unrest, Binghuangmaluan the late Qing Dynasty, Joe's business to the peak. Zhiyong at that time did the first thing, is to dredge the South Tea road, Silk Road. The use of tea, silk, such as physical goods to promote and generate currency flows. At that time, the merchant Road bandits and disorderly military aspect, businessman carrying a large amount of silver is very dangerous inconvenience. And the bill of exchange of the draft, even by bandits, no secret note can not be converted to silver in the bank. Zhiyong immediately aware of the broad prospects of the ticket, determined to one day can "a ticket through the world." Zhiyong use Joe's capital at one breath opened two Grand de Tong and Grand Tak Fung. Zhiyong later found that the ticket is a newer industry, so from the beginning to operate tea mainly to the exchange-oriented business to the financial industry upgrade transformation. Successively in Beijing, Tianjin, northeast, the Yangtze River valley towns set up businesses. West to Lanzhou, Xian, Dongzhi Nanjing, Shanghai, Hangzhou, north to Zhangjiakou, naturalized, Baotou, northeast to Shenyang and other place, are equipped with Joe firm. Zhiyong the annual profit part as "times" continue to invest as capital, so that from the establishment of Guangxu ten years when the capital of 60,002, a few years doubled into 120,002, to guangxu more than 10 years has reached 350,002. To the end of the Qing Dynasty, Joe has in all parts of the country have bank, banks, pawnshops, Dian, more than 200 places, liquidity 700-10,000,002, plus real estate such as land and property, sitting on assets of tens of millions of two.

In the American Modern history, John Davidson Lockfeller (John Davison rockefeller,1839-1937) created an unprecedented joint venture-trust, and Rockefeller used Dodd's "Trust" theory, by imposing a rainbow of mergers and expansions, The meeting of the Standard Oil company was convened on January 20, 1882 to form a 9-member "Committee of Trustees" to govern the shares of all Standard Oil companies and affiliated companies. With the equity capital highly combined with the original fragmented oil recovery, oil refining and oil transport enterprises in the form of a comprehensive enterprise group, and then monopolized the U.S. oil industry. Known as the "Oil King", Rockefeller became America's first 1 billion rich and richest man in the world. He is also widely regarded as the richest man in modern human history, with a total wealth of more than $400 billion trillion today.

Thus, from the ancient times, from the east to the west, a business and the country should be bigger and stronger, must extend from the commercial to finance, no exception.

E-commerce for laymen, think very complicated, very high-tech, in fact, nothing. To put it bluntly, e-commerce is the economy driven by the use of Internet pumps to promote currency flow and set up mobile section valves. E-commerce and traditional business is not different, only change tools and channels, and finally play finance.

New game of e-commerce finance

The first trick: playing payment tools-payment tools Finance

Case：

Alipay (Alipay) was originally a function of Taobao company to solve the security of network transaction, the function for the first use of the "third party secured transaction model", by the buyer will pay the money to the Alipay account, by Alipay to the seller to notify the shipment, the buyer received the goods after the confirmation of the order payment will be placed in the seller, This completes a network transaction. Alipay not only from products to ensure the security of users online payment, while allowing users to pay treasure in the network between the establishment of mutual trust, for the establishment of a pure Internet environment has taken a very meaningful step. Alipay in December 2004, independent of the Zhejiang Alipay Network Technology Co., Ltd., become a affiliated company Alibaba Group. In less than six years, for E-commerce users in various fields to create a wealth of value to grow into the world's leading third-party payment companies. As of June 2012, Alipay registered users to break through 700 million, the daily turnover of more than 4.5 billion yuan, the number of daily transactions reached 33.69 million pens. Currently occupies 70% of the Internet Third-party payment market share.

Tenpay (Tenpay) is an online payment platform founded by Tencent. Tenpay and Pat Nets, Tencent QQ has a good fusion, according to the turnover, Tenpay ranked second, the share of 20%, after the Alibaba company's Alipay.

As one of China's largest manufacturers of business, Jingdong Mall, because prior to 70% of the turnover is completed through the cod, with the Beijing-East open platform business continues to expand, platform businesses need to have a new online payment system to support, Jingdong more and more aware of the control of the third Payment tool on the importance of electricity Therefore, it is necessary to acquire a payment company to make up for the lack of online payment function of the platform. Jingdong in the experience of August 24, 2011 Jingdong Mall to pay Bao cooperation expired for the name, stop and Alipay cooperation since the change to pay UnionPay online. This November 22, Jingdong Mall CEO Liu for the first time to billion state power network publicly admitted that Jingdong Mall decided to buy third-party payment tool net silver online.

At present, China's big electric companies, in addition to Dangdang, Gome Online Mall, as well as group buying site have their own payment tools.

function：

1. Money withdrawal tool and flow channel

The third party payment tool is the instrument and the flow channel of all the transaction funds of the Electronic Business platform, and also is the tool of the Platform service and the value-added service, and the tool and the channel of the intermediary business and other financial derivative products and business. It can also be argued that the Third-party payment tool is the carrier of all financial activities and the basic platform and tool of the electric dealer.

2. Guaranteed Transaction Value-added Service

Third party payment is a certain strength and credibility of the independent institutions, the use of contracts with major banks to provide the interface with the bank payment and settlement system and channel services to achieve transfer of funds and online payment settlement services. As the broker of payment and settlement service, it has the function of "providing the flow service channel of transaction funds" and realizing the settlement arrangement of transaction and fund transfer through the third party payment platform. Third party payment system solves the network retail transaction both sides remote, virtual, credit and other potential risks, in the technical solution to the multiple bank account interface, payment security, efficiency and so on, so that both sides of the network retail transactions can confidently engage in trading, but also safe and efficient to achieve the transfer of capital ownership, It is a payment revolution after gold, paper money and credit card in the history of human thousands of-year trading. The emergence of third-party payment and technological innovation have greatly promoted the development and prosperity of the network retailing industry.

3, the transaction funds precipitation fruits and earnings

Taobao Co., Ltd. and Alipay (China) Network Technology Co., Ltd. Although the assets are not cross, subordinate, the scope of business is different, but the two are a pair of "twins", rather than "twin". In their survival and development, who and inseparable from each other, interdependent. No link to the network retail transaction body: The net merchant and the net purchaser's Taobao, will not have the main body the transaction existence, will not have "the merchant Flow", similarly, does not have as the network retail transaction main body's net payment The third party payment tool payment treasure, will not have "the net money Flow". Alipay is the core and key to realize the profit of Taobao company. Taobao 2009 Taobao turnover of about 200 billion yuan, daily turnover of 626 million yuan. Compared with the National Bureau of Statistics, the first half of the total retail sales of consumer goods 5.8711 trillion yuan, Taobao transactions accounted for 1.4%, compared to the end of last year rose 0.4%. By the end of the first half of 2009, Taobao Mall's turnover was 3 times times the end of last year. In the first half of 2009 the number of new stores Taobao daily close to 10,000, compared with the second half of last year, increased by one times. The first half of this year's new Taobao sellers 300,000, the second half of last year, the number less than 200,000. In the first half of 2009, the monthly income of more than 2000 yuan, 5000 yuan below the small seller growth is monthly income of more than 500,000 big sellers nearly 100 times times. By the above trading volume and the amount of money can be seen in the payment treasure on the huge flow of capital, if the bank interest on the lowest count, one day is 3.2e-05% interest, 10000 yuan a day is that means that one day there are 0.32 yuan interest. So the vast number of people in Taobao to buy money to hit the treasure website of the bank account inside, then said that 10 million users a person 100 yuan in the intermediary shopping site bank account inside, it is said to be 1 billion yuan, And the amount of money a shopper has to deposit in a bank account in an intermediary shopping site is about 3 days, so on and so on, one day light bank interest can have 3200 yuan income, then one months is 96,000 income, a year is 1.152 million yuan income (this is still at least calculated). So if we say Taobao similar shopping sites, the annual fixed account of 1 billion, that is, not less than 1 billion yuan so can be based on a regular minimum annual interest rate of 2.52%, a year is 2.52 million income (2.52% interest rate), the second year is 3.06 million income (3.06% interest rate). This is the hidden revenue of these shopping sites. By this huge figure, Taobao can earn huge profits on bank interest.

4, margin precipitation yield

The margin is a financial restraint system which is created by Taobao to guarantee the security and integrity of the transaction and to restrain the net merchant (store) as the main object. Obviously, because in the transaction security and the integrity, the net merchant (shop) compares with the net buyer in the contradiction main aspect, the Taobao margin collects only for in this network retail trade platform to carry on the business The Network Merchant (shop). At the end of 2009, Taobao registered shop has about more than 2 million. The number of registered shop Taobao is the core source of competitiveness, but also the basis for profit, so the number of registered shop will be considered as the core of Taobao business secrets. And because now Taobao almost every day to add new shopkeepers, so, its accurate statistics Taobao online registration number will undoubtedly be very difficult. We are based on rough statistics of 2 million registered shop, according to the average of 1000 yuan per store margin calculation, the total margin can be: 2 million shop x1000 Yuan = 2 billion. As long as the shop is still in Taobao to carry out business, did not quit Taobao, then Taobao in Alipay opened the guarantee gold account has always been more than 2 billion of the capital precipitation.

The second trick: Play Deposit--account deposit Finance

Case：

Taobao to enhance the 2012 "double 12" total transactions, launched the "Alipay 100, send 100 cash" activities, but at the same time the activities made some provisions, such as the active page qiang.taobao.com need to log in. The other logon path is invalid. Only those who have been authenticated by Alipay are involved. Participate in "Alipay 100, send 100 cash" activities, a one-time minimum recharge of 100 yuan, not capped, single recharge the maximum return 100 yuan cash red envelopes. and the provision of the total amount of red envelopes, total sent out 120,000 "Alipay 100, send 100 Cash" red envelopes, each ID can only get a return opportunity, a limited number of first-come first-served. In the same way, Suning Yi Bao also launched a 100-to-100 event in this year's promotional season. Wealth through the Super QQ users through the mobile phone Tenpay single recharge 10Q or more, you can get a top-up gift package.

function：

1. Simplifying Customer payment procedures

Prepaid account payment is the consumer first to recharge the money to the Electronic business platform of the personal account, in the future, do not need to use online banking or Alipay, in the following orders directly in the payment information in the selection of prepayment, you can directly purchase the account amount of any merchandise, the order after the money directly deducted from the account, This solves the problem of consumers paying a lot of trouble in online shopping every time, to ensure 100% payment success rate and good customer payment experience.

2, the early locking of consumer funds

It is clear that prepaid accounts are able to lock in a certain amount of consumer money ahead of time, without paying interest on the funds. For businesses, the benefits of which are clear. But how to let consumers have enough reason, through interest inducement to entice consumers to deposit a certain amount of financial to account, some of the electricity business is used to do all the best, then give a certain sum of money, or give a certain percentage of the lottery benefits induced. At present, prepaid card finance has become the physical retail enterprises and electric dealers common play.

3, capital precipitation of fruits and profits

If the electric business account compared to a pool of funds, prepaid account recharge is constantly injected into this pool, with the increase in total recharge, directly pull up the electricity business Account "fund pool" water level, this money will produce a certain amount of fruits.