Chapter 828

Yun fan patiently explained: "there are many differences. For example, the audience is convenient. A lot of people have trouble managing their money. They have to go to the bank, run here and there, and some have to get certificates. But yu'e Bao is very simple. As long as you transfer the money in, the threshold will be greatly reduced. "

Xiang Qing doubts: "but... Even so, the market is not very big, right? Is it a bit exaggerated for you to describe it as super money collecting

Yunfan said: "yu'ebao can be accessed at any time. Of course, in theory, limited by the program, it still takes some time. But this is very different from many financial products. Many financial products are regular, and some just come to circle money, which is daunting. But yu'ebao is different. It only goes up but not down. "

"In addition to the audience, yu'ebao can make many people who do not have the concept of financial management also have the idea of financial management, and its attraction to users is definitely not comparable to that of ordinary financial management projects. Moreover, with the platform of cloud Taobao, its audience is oriented to the masses and has huge potential."

Xiang Qing nodded knowingly and supported to deposit and withdraw at any time. Some people are not willing to go to the bank to invest regularly, just for fear that they might encounter trouble in case of asking for money. In addition, the platform of cloud Taobao seems to have much stronger ability to absorb new users than ordinary financial projects.

"So cloud Taobao becomes a platform?"

Yun fan: "of course, its positioning is to serve businesses and the masses of the platform. Now it is not the era of one machine per person. You can see that within ten years, yu'ebao will make the government unable to sit still."

"It's impossible. How could the government intervene in such a thing?" Xiang Qing doubts that she ignores Yun fan's statement that "each person has one machine.".

Yun fan raised the corner of his mouth, shook his head and said, "it's normal that you can't understand it now. Anyway, if I write a good plan, you can carry it out."

He clearly remembers that in his last life, yu'e Bao made so much money that the bank later realized that it was himself who was being cheated, because everyone's money was originally deposited in the bank. After yu'e Bao's practice, the bank had to pay more interest, and finally had to ask the state to intervene.

As a result, yu'ebao has repeatedly limited its income. Although its income has shrunk, at that time, it has been firmly in a dominant position, and its income is still an astronomical number.

At that time, Alibaba's assets were strong enough to use red envelopes to snatch Alipay's market share. Some people took a red envelope of twenty or thirty yuan and paid directly to the shop.

This kind of play is only Alipay's dare to play.

Even wechat does not dare to occupy the payment market in such a cruel way, and is very stingy.

And this grand occasion happened in the era of hands and machines.

Xiang Qing nodded, "well, I'll tell you about the dismissal of Lu Xiangcheng. As soon as I come, I'll tell you about the company. It's all delayed."

As soon as the words fell, she turned and stepped out.

"Wait a minute." Yun fan suddenly stops her.

Xiang Qing looks back at him in doubt, "what's the matter?"

Yun fan: "after firing him, write an announcement to let the people in the company understand the process of the matter. I don't want Island licking dogs to exist in the company."

"OK, I'll go."

"Go ahead."

……

After work at noon, Yunfan finished writing yu'ebao's plans and handed them to Xiang Qing.

In the afternoon, Xiang Qing was almost in the office studying his plan.

And Yunfan is through her computer to understand some of the recent business affairs, busy on the computer, from time to time with her to talk a few words.

During this period of time, due to the chaotic situation in the island countries, it triggered a lot of chain reactions and affected many enterprises.

In addition, the financial crisis has emerged in China, and the house prices in various cities have indeed fallen.

But Yun fan is calm and not in a hurry. What he wants to do at this time is to wait for Yu Jiayan's investment genius to return.

In July, she graduated.

Towards the end of the day, Xiang Qing finally chewed up the plan written by Yun fan. Although she dare not say that yu'e Bao will attract government intervention, it is indeed a service product with stable profits.

Xiang Qing put down the documents in her hand, "I've almost digested them. Soon I'll recruit a team to launch yu'ebao into the market. But... You haven't said how to fight this e-commerce war. "

Yun fan delivered the newly typed documents to Xiang Qing, "there's no other way but to spend money. I'll let them know what real logistics is."

In this document, what is written is exactly the Jingdong Logistics Scheme in his memory, but his name has been changed to "cloud logistics".

In his memory of the earth, although Taobao and tmall are good and some logistics are fast, there are few buyers. Alibaba does not have its own logistics system and relies on a third party.

This situation is different in Jingdong. Jingdong Logistics is built by itself. As long as it is marked with the merchants who participate in Jingdong Logistics, in the sub provincial cities, the express delivery is standard the next day, and some can even place an order in the morning and deliver it in the afternoon.

Although tmall has tmall direct service, and its logistics speed can compete with that of Jingdong, its consumption is less than a certain amount, and the express fee needs to be paid by users themselves, which is very expensive.

Jingdong Logistics, for many businesses, even if it costs dozens of yuan, does not need the buyer to pay for the express delivery fee. Even if some companies have to pay, the logistics fee is not as expensive as tmall direct. This is the advantage of self built logistics.

In addition, in terms of the reputation of valuable products, Jingdong has a slightly better reputation than tmall. This is because the self built logistics reduces the number of agents, reduces the links, and naturally reduces the adulteration rate.

However, Jingdong has both good and bad, otherwise it will not enjoy the nickname of "second-hand East".

In this world, Yunfan wants to combine the strengths of different companies. He really doesn't believe that any e-commerce can beat his model.

"This..." Xiang Qing looked at the new document in her hand, a little speechless, which actually said let cloud group build logistics all over the country, "this is really a waste of money."

Yun fan nodded calmly, "well, when the service is done well, the users will come by themselves."

Xiang Qing eyes complex said: "I admit that doing so can really beat other e-commerce in logistics, but this will lose money."

"Now, maybe it's a small loss, but we'll make it back soon. Trust me."

Yunfan has a confident face. In 2008, it's a bit like a psychopath. However, when the era of hands and machines comes, the cloud group will be in a dominant position. At that time, the price is much higher than that of the real estate companies. Other e-commerce companies have to consider the price carefully if they want to imitate.

Once there is a conflict of interest, the so-called United e-commerce will be defeated.

"All right." Xiang Qing put away the documents and felt that the amount of tasks was large again, which made her a little worried.

After hesitating for a while, she still said: "however, if we want to build logistics, I'm afraid that the money for building the headquarters is not enough. Now I've taken a fancy to several places, and they are all in the negotiation stage."

"I can't estimate the cost of building logistics bases all over the country, but it's definitely an astronomical number. If you want to take the headquarters and build the headquarters earlier, the logistics base will have to be postponed. Choose a logistics base or a headquarters. "