Rebirth starts from e-commerce

Chapter 429
There are many ways to be successful.

Among them, what impressed Luo Xiu the most was that he did not have the arrogance of other banks.

When the banking industry generally held the attitude of "love to save or not to save" to users, China Merchants Bank first put forward the slogan of "service first".

They compare their customers to the sun and themselves to a sunflower.The sunflower must always revolve around the sun to meet the needs of customers.

In the era when service awareness was not very high, ordinary private companies may not be able to put service first, but they did.

In terms of corporate direction, China Merchants Bank has also shifted from corporate business to retail business, and has been rated as the "King of Retail" for many years.

Its ability to promote business locally is very strong, and it is often seen in offline stores that China Merchants Bank credit card promotions are offered.

They are the leader in offline card payment, but they have been unable to open the door to online payment.

And their disadvantage happens to be the advantage of rice ball payment.

The cooperation between the two just complement each other.

Fantuan has China Merchants Bank behind it, those rumors will be self-defeating, and there is no need to worry about credit issues.

At the same time, China Merchants Bank has a solid accumulation in the promotion of online and offline stores, which can help Fantuan stabilize its code-scanning business.

Generally speaking, users are accustomed to using credit cards for offline large-amount consumption, and scanning codes for small-amount consumption.

Now that the two cooperate, it can be said that they have monopolized both large and small consumption.

In addition, the granary has demonstrated its super ability to absorb deposits.

If this money is placed in China Merchants Bank, it will be enough to make him fat.

……

The conversation between Luo Xiu and the other party was very smooth.

The common wishes of both parties are in the retail business, one with offline retail as the main body and the other with online retail as the main body.

Both parties have a common service concept, putting the needs of users first.

Therefore, it can be said that the two parties hit it off immediately, and they can't wait to sign the contract immediately.

The way of cooperation is also very simple. Luoxiu's plan is to take out Fantuan to pay 20% of the equity in exchange for equity of the same value in China Merchants Bank.

In this way, mutual shareholding can be achieved.

When the other party makes money, it is equivalent to making money yourself.

The user also believes that the two of you are one.

The only controversial point is that Fantuan Payment has not yet been listed, and it is not known how much valuation should be set.

Once the valuation is determined, it is possible to calculate how much equity 20% of the equity can be exchanged for.

Luo Xiu knows that China Merchants Bank's stock price will soar in the next few years, which is equivalent to knowing the other party's hole cards, so no matter how you talk about it, you won't lose yourself.

The other party does not know how much the rice ball payment will be worth in the future, so they can only guess.

Although Fantuan Payment has been spun off from Fantuan and become an independent company, it is obviously in a period of rapid growth at this time, and it is difficult to estimate.

The valuation is low, and if it rises too high in the future, then Luo Xiu will lose money.

Time waits for no one. In order to reach a cooperation as soon as possible, the two parties finally signed the contract through a VAM.

At present, Fantuan pays to transfer 20% of the equity in exchange for 2% of the equity of China Merchants Bank.

Set three steps at the same time.When the performance of Fantuan Payment reaches a certain volume, China Merchants Bank’s 2% equity will correspondingly become 5%, 8%, and 10%.

That is to say, if Fantuan sells 20% of the equity, the minimum can be exchanged for 2% of the equity of China Merchants Bank, and the highest can be exchanged for 10% of the equity.

10% of China Merchants Bank will be worth more than 1000 billion in the future.

Of course, this performance indicator is not so easy to achieve. If Luo Xiu wants to get 10% of the other party's equity, the amount paid by Fantuan must be at least half of Alipay.

Half of Alipay's 20% equity, if it can be successfully listed, will not be less than 1000 billion.

This is a big profit for both parties.

……

……

The contract was quickly finalized and a press conference was held together.

"In the eyes of many people, banks should be superior, and Internet finance is somewhat out of the question. Why did China Merchants Bank put down its dignity and choose to cooperate with Fantuan Payment?"

The reporter's first question was very sharp.

Of course, Luo Xiu is inconvenient to talk about this kind of question, and can only be answered by the media spokesperson of China Merchants Bank:

"The aloofness you mentioned just now should refer to other banks, right? Our China Merchants Bank has always been down-to-earth, insisting on being user-centered, and putting an end to the mentality of aloofness."

He stepped on his peers jokingly before continuing: "The reason why we choose to cooperate with Fantuan Payment is very simple, because our China Merchants Bank has always wanted to keep up with the times and enter the field of online payment, which happens to be the strength of Fantuan Payment. "

The reporter continued to ask: "Then Mr. Luo, I would like to ask, why did Fantuan Pay choose China Merchants Bank? Was it forced by the recent rumors?"

Luo Xiu smiled and said: "We are never afraid of any rumors, because Granary has always been a safe and widely trusted wealth management product by users. Our cooperation with China Merchants Bank is mainly out of consideration for future development."

……

News of the cooperation between the two quickly spread throughout the Internet and the industry.

The stock price of China Merchants Bank rose by 5% that day, and the amount deposited in the granary that day was once again greater than the amount withdrawn.

People's distrust of the granary before was wiped out, and many users who took out their money put it back in again.

The number of new users has reached a new high, and the amount of deposits has reached 2000 billion.

Luoxiu's fans can finally feel proud and elated, and started clamoring online:

"The person who said Luo Xiu was a liar before, come out and take a walk."

"Which Ponzi scheme only has an annualized return of 4 points?"

"Anyway, I have 20 in the granary. Those who say that the money can't be withdrawn are not poor ghosts, right?"

This is how online speech is so powerful that it does not forgive others, because if you spare others, others will not forgive you, so they simply let go of scolding.

The behind-the-scenes masterminds who were behind the scenes before also disappeared at this time.

Everyone knows that destroying the banking credit system is no less harmful than detonating a nuclear bomb.

These giants are people who have nuclear bombs and can make nuclear threats to those small non-nuclear countries at any time.

Now Fantuan has joined China Merchants Bank, and everyone is a core person.

The use of nuclear weapons against a nuclear-armed country is tantamount to annihilation.

Any fool knows that he should take back his minions and stop threatening to pay Fantuan.

Of course, Luo Xiu has nothing to do with them. Everyone has cores, so of course they can only "core" gas to make money.

But that doesn't mean it's over.

Luo Xiu couldn't do anything with those giants, but it didn't mean he couldn't do anything with those running dogs who rushed ahead.

The tabloid that sprayed the granary with more than a dozen pages in a row became the first target of revenge.

If you don’t take back a little tip, others will think you’re easy to bully, and next time they get a chance, they’ll treat you even worse.

They must be beaten up, hung up and paraded through the streets, and killed as an example, so that they can consider the consequences when they collect money for work next time.

(End of this chapter)