Rebirth of financial migrant workers

Chapter 304: With a charity of 5000 million yuan, Mule Bank will play its first card in the southwestern provinces
Everyone must be familiar with celebrity endorsements.

The credit card business of various banks always uses celebrities from the entertainment and sports circles as endorsements.

Such as Zhang Yixing and Ning Zetao of Shenfa Bank, Li Paowang of Mingsheng Bank, Li Na of Huaguo Bank, and Lang Ping of Elephant Bank.
The endorsement fees of these people are not cheap, but they are not as high as those quoted by Lang Lang to endorse the overall image of a commercial bank.

2000 million yuan, plus an appearance fee of 200 million yuan, this is definitely an eye-catching amount of agency money in China.

After this endorsement fee was exposed by reporters, a certain commercial bank attracted a lot of ridicule from ordinary people.

Logically speaking, shouldn't banks keep a low profile and not reveal their wealth casually?
You spent such a huge price to find someone who is not familiar to ordinary people. Isn't this someone who has been taken advantage of?

Here we must first introduce the retail marketing strategies of commercial banks.

The '80/20 rule' must be familiar to everyone.

This law is also called Baredo's law.

Valledo, an Italian economist at the end of the 19th century and the beginning of the 20th century, believed that in any group of things, the most important only accounts for a small part, about 20%, and the remaining 80%, although they are the majority, are secondary.

Baledo's 80/20 rule was redefined by a commercial bank that hired Langlang as its spokesperson.

However, this does explain why a certain commercial bank is willing to pay a sky-high price to hire Langlang, because Langlang has great weight in the minds of high-end customers.

About 80% of society's wealth is concentrated in the hands of 20% of people, while 80% of people only own 20% of society's wealth.

The reasons for this phenomenon, such as the Matthew effect
Let’s not mention these for now, because they are topics that cannot be touched.

Rather than saying that letting Langlang endorse a certain commercial bank will improve the image of a certain commercial bank in the minds of the public, it is better to say that it will improve its image among high-end customer groups.

The content of the new 2 theorem is that 80% of accounts own more than % of the wealth.

The 80/20 rule has since been regarded as the bible of retail marketing strategies by various commercial banks.

As the most outstanding bank in the retail industry in Flower Country at that time, its retail marketing strategy was undoubtedly very convincing.

Of course, after entering 2010, the domestic banking industry has developed rapidly.

High-end customers, accounting for about 20%, contribute about 80% to bank profits, so we only need to focus on serving high-end customers in the bank.

It can be seen that the starting point of all actions of commercial banks is to pursue profits.

This is why Ning Minghao, who didn't even blink at the astronomical endorsement fee of 2000 million yuan back then, is now reflexively obsessed with the interest of more than 1000 million yuan.

Wang Chunliang knew that the other party's bad businessman habit had started to show up again, so he directly interrupted the other party's spellcasting and cited the example of the previous high-priced endorsement. Sure enough, this move was extremely effective, and Ning Minghao's face turned rosy again.

The other party thought for a moment and then thought of another question:
"Since the purpose of this assistance is to enhance their reputation, the assistance loans given to them must not be provided with additional mortgages or other forms of guarantees. Otherwise, it will be easy for someone with ulterior motives to make a fuss afterwards, distort the facts, and take advantage of us.

In this case, these loans with a total amount of no more than 5000 million yuan are all single small credit loans.

According to what you just said, the family life of those students who took out small loans is not considered wealthy. When the loan expires, it may not be easy for them to repay it, and there will be many bad debts by then. "

Wang Chunliang came closer, lowered his voice, and replied:

"The reason why we choose to use loans to help each other is actually forming a triangular debt. When this organization is arrested qualitatively by the above, we can stand up as soon as possible and recover the money that they illegally occupied our debtors.

At the same time, we can also announce to the outside world that banks will reduce or reduce the remaining arrears of some households in difficulty. I suggest that this move be arranged during the broadcast of the second report of the reporter from the University of Liberal Arts, so that the bank can take advantage of the news reported by its TV station for speculation.

You can imagine how big a sensation this topic will cause by then, and the reputation of Mule Bank will definitely be raised to a new height. "

Seeing Ning Minghao nodding frequently, Wang Chunliang continued:
"Don't look at the low income of residents in local villages and towns in Dali now. In two years' time, national income will continue to increase, and the tourism industry will reach unprecedented heights. By then, in Dali, which has huge tourism resources, the income of local residents will inevitably There will be a qualitative leap. By the way, Uncle Ning, after our Mule Bank opens branches in the Imperial Capital and Shanghai, do we have any plans to develop in the southwest next?"

Ning Minghao nodded:

"We do have this plan. The local banks in the southwestern provinces are weak, and the role of local protectionism is quite limited. Compared with developed areas such as the southeastern coast, it is more conducive for banks from other provinces like us to expand the local market and improve the bank overall scale, thus laying the foundation for A-share listing.”

"That's right. The only one in the southwestern provinces that can fight is Xichuan Bank, and their ranking is slightly lower than our Mule Bank. If we make a big positive news in their sphere of influence this time, it will It will be a heavy blow to them. I believe that when our Mule Bank enters the southwestern provinces in the near future, the local residents will also have a high degree of recognition for us."

Wang Chunliang's words made Ning Minghao feel itchy in his heart. He touched his chin and thought about it for less than two seconds, then he slapped the table hard and made the final decision:
"Okay, that's it. A nominal interest-free loan of 5000 million yuan. In fact, it will be the largest one. At that time, our bank will announce the cancellation of all debts for these assistance recipients, and tens of millions will be fully paid." Think of it as an advertisement for a good deed."

"However, not all borrowing households are in extreme difficulty, and some are still capable of repaying in a few years. Will we forgive all debts across the board? Will it arouse public doubts?"

Ning Minghao glanced at Wang Chunliang and raised the corners of his mouth slightly:
"Whether it is difficult for a family to borrow money or not, shouldn't we let reporters say whatever they want? The poorer the recipients of assistance are portrayed, the more significant the value of our Mule Bank's move will be highlighted."

Wang Chunliang had to give the other party a thumbs up, and then explained:
"But this matter must be done as soon as possible, because the first campus loan victim I found who is willing to be on camera for our move and cooperate with the 'catwalk' will be due tomorrow."

"Don't worry, I'll make a call right away."

Ning Minghao subconsciously wanted to take out his mobile phone, but then he remembered that he probably left his mobile phone in the hotel.

He straightened up, stood up from the recliner, and patted Wang Chunliang on the shoulder:

"Let's go, hurry up, and go back to the hotel so that I can notify the people below to pick you up. Also, that big reporter, you ask her to come over and help me make an introduction."

Wang Chunliang smiled and nodded, turned around and waved in the direction of the eldest lady.
(End of this chapter)