Winning the new financial era

Chapter 120
12 bicycles, 4 first-tier cities, 3 million registered users and 300 million daily active users in 100 months.

For this result, Zhang Yida was not surprised at all, and even thought it was a bit low.

The combined population of the four cities of Beijing, Shanghai and Pengyang is almost 7000 million.

The penetration rate of registered users is less than 5%, which is still low.I remember that the penetration rate of hello bicycles in the previous life reached 33%, and Huimin bicycles still have a lot of room for improvement.

The daily active users surprised Zhang Yida, so he was quite satisfied!
Shared bicycles are currently a new thing. Young people follow the trend and ride shared bicycles to work every day.

In a few years, it will be difficult to maintain a daily activity of 1/3 of the number of registrations. Zhang Yida is very satisfied if he can become 1/3 of the monthly activity.

In the previous life, Hello Bicycle claimed to have 2 million registered users, but only 6300 million monthly active users, which is almost 31% of the data.

"Everyone has worked hard. This result is very good. I am very satisfied. All this is inseparable from everyone's joint efforts.

With this report card, the next A+ round of financing is also easy to talk about. "

Zhang Yida praised with a smile.

"In addition, according to reliable news feedback, after my analysis, I found that the operating models and car manufacturing costs of several competing products are somewhat different from ours."

Huang Xiaofeng took out several qualification reports and distributed them to everyone, and continued:
"The cost of Bimo bicycles is similar to ours, but limited by the scale of production, it may be slightly higher than ours.

The charging model they adopt is 0.5 yuan per 0.5 hours, which is more flexible than ours.

The deposit is a standard, which is also charged at 299 yuan.

In addition, the chairman of Bicycle is Li Bing, the chairman of Yiju.com, a US-listed company, and a powerful capital tycoon.

I judge that Baimo Bicycle will definitely be our strong enemy in the future.

The manufacturing cost claimed by Xiaolan Bike is 800 yuan, but after some clues and parts cost analysis, I guess it is about 500-600 yuan.

The charging standard is the same as Baimo, which is 0.5 yuan/half hour.

The deposit is lower, 199 yuan.

Wild Ride, the parent company of Little Blue Bike, has received US$100 million in angel round financing from Mr. Li Kaizhong. It is a start-up company focusing on the field of smart cycling sports. It also operates a cycling community APP-Wild Ride .

Although the wild ride has only been launched recently, it is very popular among young people. In addition to accurately recording riding data, it can also speak out in the society and exchange rides...

I tried their software, and with their all-in-one stopwatch, it can record speed, mileage, time, calories, altitude, cadence, heart rate, temperature and many other precise information in real time.

At present, their shared bicycle brand Xiaolan Bike does not have these functions, but once this function is transplanted, the user experience will undoubtedly be upgraded to a higher level.

The cost of Xiaoming's bicycle is 700 yuan per bicycle, and the charges and deposit are the same as those of Xiaolan's bicycle.

But what is unique is their riding rate, which adopts section billing, ranging from 0.1 yuan to 0.5 yuan per half hour.

The initial price is 0.5 yuan/half an hour, and the user can successfully invite a friend to register and pay a deposit to reduce it by 0.1 yuan, and invite 4 friends to a minimum of 0.1 yuan/hour.

This set of invitation incentives is quite attractive to users, and it will definitely have a significant effect on new recruits.

I suggest that we also do some activities to give users certain rewards for attracting new users. "

After listening to Huang Xiaofeng's report, Zhang Yida was quite surprised. The initial ride rate of shared bicycles in his previous life was almost 1 yuan per hour, and less than one hour was calculated as one hour.

Now 0.5 yuan/half an hour is undoubtedly a more refined operation, and the direct point is to save users money.

Zhang Yida guessed that Huimin Bicycle was born, and the data of 12 bicycles put a lot of pressure on competitors.

Now if you want to catch up with or even surpass Huimin Bike, you can only offer more favorable cycling prices and better customer service.

Now it is 0.5 yuan/hour. When Huimin Bike refinances a round, I am afraid that it will be free to ride.

Putting more pressure on them, the ultimate means is the red envelope car, riding does not cost money, shared bicycles give users red envelopes...

The purpose of doing this is actually very simple. In the end, it is all for a piece of operational data and a report card.With the support of operating data, financing can be obtained continuously.

The behind-the-scenes bosses of several shared bicycles are not mediocre. Behind the scenes of Bimo is a listed company. Behind Xiaolan Bicycle is a parent company in the field of smart cycling.

In the face of competitors' endless means, Huimin Bicycle must also make some changes.Zhang Yida said to Huang Xiaofeng:

"They refined their operations, and we followed up. The rate was changed to 0.5 yuan/half hour. If they continue to change it to 0.25 yuan/15 minutes, we will continue to follow up.

But we don't take the initiative to do this. They are small in size and we are big in size.With the same operating model, they lose less while we lose more.

After the A+ round of financing, Huimin Bicycle will launch the deposit wealth management function.

If the deposit financial management is done well, it will bring us a lot of income.

Therefore, in the next work, you need to communicate more with Ruimin Financial Management. The products must comply with laws and regulations, and there must be no mistakes. "

Huang Xiaofeng nodded solemnly and said:

"Mr. Zhang, don't worry, I've been communicating with Ruimin Financial Management recently. The product has also gone through multiple rounds of testing, and I guarantee that there will be no mistakes.

As for compliance with laws and regulations, there is absolutely no problem. All user agreements were finalized after two months of consultation and deliberation by the legal teams of Huimin Bicycle and Ruimin Wealth Management.

Guaranteed compliance with the laws and regulations of our country!
Whether to invest deposits into financial products, we also take the form of voluntary participation of users.

If the user is unwilling to invest the deposit to buy wealth management products, he can use the deposit to buy the Lingqianbao currency fund, and the user can withdraw it at any time.

Users who are willing to purchase wealth management products with deposits can invest funds in Ruimin wealth management through agreement authorization.

Ruimin Financial Management’s plan is as follows:

Option 5. Users have a chance to redeem the deposit once a month, with an initial rate of return of 0.5%, increasing by 11% every month, up to a maximum of [-]%.

Users who withdraw their deposits in the previous month on the 15th of the following month will have a minimum withdrawal period of 15 days and a maximum of 45 days.During the withdrawal period, interest will still be calculated.

For example: User A deposits a deposit in a wealth management product and withdraws it after three months, and can obtain a 6.5% rate of return.

After depositing for one year, user B chooses to return the deposit. In addition to the deposit, he will get another 11% interest return.

User C deposits for 20 days, less than a month, and will be given an interest return at the lowest rate of 5%.

退出期的话，1月1号～31号期间赎回押金的用户，2月15号都可以收到退出的押金。

In short, the longer the user chooses to deposit the deposit, the higher the rate of return enjoyed.There is only one purpose for doing this, which is to let users deposit deposits as long as possible.

Users can also get a relatively high return, and Ruimin Financial Management can also use user deposits to issue loans for a long time.Both parties win-win!
The only flaw is that the withdrawal period is a little longer, 15 days to 45 days, and some users may not be able to accept it.

方案二、押金理财产品直接对标瑞民理财产品，1/3/6/12/24月多种期限产品，用户来自由选择。

If you choose to invest in the March target, the interest will be calculated according to the standard interest rate of Ruimin Wealth Management, and you cannot withdraw early.

Option 11. The lock-up period of deposit wealth management products is directly set at one year, and users are given an [-]% interest rate.Users are free to choose to join, and are not allowed to quit early in the middle. "

"Scheme [-] doesn't work, one year is too long, and users don't dare to invest for so long without knowing the situation.

Option one is the best, and it is almost not much different from the current deposit withdrawal rules.

If the user wants to refund the deposit, he can choose to withdraw at any time.The exit period of 15-45 days is also unavoidable, and time should be given to facilitate the raising of funds by Ruimin Financial Management.

In addition, Option [-] can also be combined to embed a traffic portal for Ruimin Wealth Management in the Huimin Bicycle APP.

If users are interested, they will naturally choose to invest in it.At that time, the Huimin Bicycle APP will place several banner advertisements for Ruimin Financial Management.

I also have an idea that Ruixiang’s Lingqianbao Monetary Fund can also open a traffic portal in Huimin Bicycle.

Huimin Bicycle does not have a fund sales license, so it cannot directly launch the currency fund wallet.

However, it can be used to drain Lingqianbao, and wait for the user to jump to the Touronghui APP, and then the user completes the payment and purchase process.

In this way, Huimin Bicycle only played the role of drainage, and did not participate in the core transaction link.That's not a violation. "

"Hey, Mr. Zhang, this is a good idea! In addition to attracting users to buy Ruimin Wealth Management products, you can also attract users to buy Ruixiang's currency funds.

With the function of withdrawing and storing, the change treasure should be able to capture a large number of diehard fans. "

Huang Xiaofeng began to imagine that in the future, Huimin Bicycle will have tens of millions of users to buy financial products through the app, and then bring Huimin Bicycle a commission income of several billion yuan... Don't think it is too wonderful.

"Ruimin Wealth Management and Monetary Fund are just the beginning. The target group of Huimin Bike is the urban population, people aged 20-60. They are very suitable for financial realization.

In addition to P2P monetary funds, all C-end businesses of Ruixiang Jinke Group and Yimin Financial Service Group can cooperate with Huimin Bicycle in the future.

Fund supermarkets, Internet wealth management supermarkets, Internet loan supermarkets, insurance supermarkets, credit card supermarkets, bank wealth management/loan supermarkets, etc.

It’s okay to trust the supermarket, but it’s not suitable for shared bicycle users, and the economic strength can’t keep up.

You can place an advertisement for opening a securities account...

For users with good cycling credit, the future credit loan amount...

In short, there are many means of financial realization. "

Speaking of this, Zhang Yida became interested and continued:

“In addition to the Huimin Bicycle APP, we can also advertise on the body and wheels of the bicycle.

Find some large-scale physical enterprises that need to do offline advertising, and we will make joint bicycle sharing models for them.

Moreover, we can also provide them with accurate urban advertising, and we want to be an enterprise that delivers accurate offline advertising in the city of Shanghai.

We can put advertisements on all the shared bicycles in Shanghai. Hundreds of thousands of bicycles shuttle around the streets of Shanghai every day with their advertisements printed on them.

These are live advertisements!How much exposure is there!
It is much better than building LED exterior wall advertisements and building advertisements. "

Huang Xiaofeng was dumbfounded, and quickly flattered Zhang Yida: "High! Mr. Zhang, your move is too high!"

After thinking for a moment, he frowned and said, "But is it too low?"

Low, the riders of Meituan all over the street are the best live advertisements, how much fame has been raised for Meituan!
"What is low afraid of? Making money and making the company self-reliant as soon as possible is the kingly way. It is impossible for shared bicycles to operate at a loss of money all the time, relying on capital and financing to maintain it for a lifetime? That is nonsense. Let's talk about character and feelings after surviving. !"

Zhang Yida shook his head. Wang Xiaofeng was too high-minded, and he couldn't let go of the CEO of an Internet company.Then Zhang Yida said again:
"Let's not talk about this, let's talk about the market leader first! It's still relatively early to talk about this."

(End of this chapter)