Chapter 261

"For now, let’s start operating it and try to get more users.

At this time, Li Jiacheng thought carefully and said,"I think we can start the publicity plan appropriately. It's time for the bank to increase its weight.""

Although Jifubao has reached cooperative relationships with many banks in Hong Kong and even the mainland, this does not mean that they are good friends.

Now, the entire Jifubao transfer is free. As long as you use Jifubao to transfer money, whether it is from a bank Both outgoing and reverse transfers are free.

However, bank transfers require fees, whether they are reverse transfers or one-way transfers.

In this case, on the premise that Jifubao does not charge transfer fees , I wonder what will happen to others, there will definitely be a large number of people using Jifubao to transfer money.

Although it has to be passed twice, which is a bit troublesome, I believe there will be many people willing to use Jifubao.

In this way, the bank will definitely lose a lot of In the transfer business, no bank is willing to bear such losses.

Therefore, another kind of cooperation between Jifubao and banks was born. Similar to the Yu'e Bao launched by Ali Group, Jifubao also has interest.

As long as you use When money is deposited into the interest fund, corresponding interest will be generated every day, and it can be withdrawn at any time.

This money is eventually put into the bank, so it is equivalent to accumulating a large amount of cash for the bank in a short period of time.

Today , cash is king. Are banks short of money?

There is no doubt that banks are short of money, and very short of money. They are short of money all the time. The emergence of interest payments is equivalent to opening the door to a new world for them.

As long as interest payments If the money is stored in a bank account, the bank can use it for loans or investments. It is a completely costless transaction, so why not do it!

Of course, the money belongs to Jifubao Company, and it is certainly impossible for the bank to transfer it at will.

So. During the negotiation, Ma Huateng proposed a compromise. The bank could use part of it, Jifubao could use part, and both parties could use it separately.

There is a big difference between online banking and traditional banks. The biggest difference is that everything is virtual. Virtualization does not exist, or even more so, it is data. When you transfer money through the Internet, isn’t it generated by data?

Traditional banks can deposit cash, although many are virtualized, but they have cash. Only when people deposit cash can they generate data.

But online banks cannot do that. They are all data. As for where the data comes from, in the final analysis, it comes from the bank, which is the result of cooperation with the bank.

Internet banks are just third-party banks. They need to rely on traditional banks to survive. Otherwise, they will not be able to survive. But those are not important anymore. What is important is that Internet banks are a bank. , it is a bank.

You can deposit money, transfer money, or pay. The only difference from traditional banks is the business processing at a counter. All the additional operations are on the Internet.

It is precisely because of the Internet Banks will not have over-the-counter business processing, and only those banks will allow Jifubao to enter. Otherwise, if they kill you as soon as you come out, will they still let you develop?

In addition, you need to rely on them, they can Only by holding you by the neck can I rest assured that you can develop.

In the future, if you grow stronger, okay, if you don’t obey, I will tie you to death and see what you do.

But everyone knows that banks cannot only cause harm if they choose to cooperate. profit, but no profit.

This profit will come when Jifubao starts to earn interest, that is, when the money saving function is enabled, the cash can be used by the bank.

This control right is only half, and half of the control right is owned by Jifubao Company itself.

A lot of the Internet is unreliable. As time goes by, more and more people think that the Internet is even more unreliable because there are many deceptive things on it. So what about online banks?

The credibility is still a bit worrying.

At this time, if you don't show a favorable appearance, I'm afraid no one will save money.

Increase interest rates.

This is a permanent improvement in market profits, something that is very certain.

It’s that simple to increase interest rates to attract users to save money.

In fact, if you don't increase the interest rate, people will not be willing to deposit money, because traditional banks can also deposit money, and your interest rate is lower than others. Why should people deposit money with you? It is an unreliable online bank. It's a spectrum.

Then the problem comes again, since the interest rate is higher than that of traditional banks, and Jifubao's cash is deposited in traditional banks.

If they are equal, then there is no problem, they will not lose, at least in terms of interest.

But what about their operating costs?

Don’t any of these require money?

In the final analysis, it is Jifubao Company’s loss.

No company is willing to do business at a loss.

Then, half of the money deposited will naturally belong to the payment company, and people can invest it and then operate it to make profits.

Isn’t that what banks do?

The bank offers interest, are you such a good person in the world?

Banks are also doing business, and are no different from a company. If you deposit money, we can use your cash. As for how I use it, I will naturally take out the money to make money and make other investments.

Speaking of which, we have to talk about why banks are short of money.

The main business of banks is lending. There are too many loans, and they can't get them out at the moment, and they are in urgent need of cash. At this time, they can only find other banks to lend money. Therefore, banks are rich, but they are almost all short of money.

On the other hand, why banks fail? These are all problems of their investment. Many businesses are invested in the stock market.

If the stock market is good, they can make a lot of money, but if the stock market is not good, they will be in big trouble.

At this time, they were short of money again.

Perhaps considering this, they did not hesitate to cooperate with the emergence of Jifubao Company.

They are fully aware of the rise of the Internet, and coupled with the formation of many online transactions, they are optimistic that Jifubao Company can develop.

In fact, every bank is developing Internet business, but they have not succeeded. The development is very slow, and even gradually quieted down.

At this time, a third party suddenly appeared and they reduced the risk. I am afraid everyone is willing to do this kind of thing.