A facade room, a shutter door, open the door to do business, close the door; clothing, hardware, food, toys, goods of various kinds. There are not many sales and purchases, and there are quite a few orders for the answer. How do small and micro businesses spread across the country integrate into the financial market? If they want to install a POS machine, it is convenient for customers to swipe their cards, how to solve it? Last year, third-party payment companies remitted 1 million "roller door merchants" to the world, allowing a group of small business owners and self-employed individuals to use a variety of "thirst quenching" financial products.
Remittance has been established for 7 years, and the transaction volume has grown from several hundred million yuan to over one trillion yuan. It has continued to double in the past two years with an increasingly large base. President Zhou Wei believes that the growth gene of remittance to the world is to continue to innovate and take the road of differentiated competition. Investing financial services deep into the capillaries of the city and spare no effort to tap small and micro businesses is a blue ocean for future development.
From “å‚大款†to “亲è‰æ ¹â€
In 2011, Remittance World received the first batch of payment licenses issued by the central bank, and it is a full-service license, which can not only do online payment, but also do offline orders. In the face of a broader market space, Zhou Wei decided to adjust the strategy in a timely manner.
Remittance to the world for the first four years of its establishment, through the "big money" rapid development. The aviation field starts with major airlines such as China Eastern Airlines, China Southern Airlines, and Air China; the fund companies have settled in China, E Fund, and the South. So far, it still firmly holds 50% of the market share in the aviation field, and it is also unique in the fund field.
To develop offline business, Zhou Wei realized that there is no “big money†to rely on. “The terminal consumption settlements such as POS machines in Shanghai and other first-tier cities are basically covered by traditional financial industries such as UnionPay and various banks. It is better to smash them than to kill them in the Red Sea. Traditional financial institutions actually only serve 20% of 'Gao Fu Shuai' customers. 80% of the 'hanging wire' has been neglected." He believes that there are about 11 million registered small enterprises in China, and there are still 60 million individual industrial and commercial households. The "grassroots" that make small money in the circulation field is to remit the world to open up the market. Breakthrough point.
"Serving small and micro enterprises, the slogan is very loud, but it is really difficult to do it. It is mainly because small and micro enterprises are too scattered, service costs are high, operations are not standardized, financial statements, mortgages, and guarantees are not. We must redesign Process, innovative service model, providing them with financial payment and value-added services. This is an area that traditional financial institutions do not bother to do and hard to break through."
Let the "small micro" service "small micro"
However, where do you dig out the small businesses hidden in the corner and activate their financial needs?
Zhou Wei’s method is to use the “small micro†service “small micro†to organize and train a group of “sweeping the street†teams. One family will knock on the merchants behind the rolling shutters and use the nuanced water mill to attract them to the sink. Pay the world's platform.
Last year, Remittance World developed 500 agent service providers across the country, with a total of more than 20,000 people. They are responsible for excavating merchants, understanding the needs, and installing terminals at home.
How to make more than 20,000 people unified under the baton of the world? The secret is to build an Internet service platform. For example, after a merchant in Urumqi was excavated by a service provider, Remittance World provided a standard contract on the platform, the merchant submitted identity and credit information, and the back-office system judged the authenticity based on the information obtained from the network of industry and commerce and public security, and assessed the credit rating. . After verification, sign the contract with the merchant, and send the order to the manufacturer of the POS machine, and finally deliver it to the merchant, and the service provider will install it.
"The Internet service platform can effectively break the restrictions of geography and scale, and let financial payment 'go to the grassroots'. Sales, contracting, operation, settlement, installation, etc., all work around this platform. We make the payment industry like the manufacturing industry Everyone's working hours are carefully calculated on the platform, and they operate like a pipeline, and they are very fine."
It is this kind of fineness that the remittance world will shorten the POS billing service period of 5 to 7 days to 1 day. In addition to service efficiency, the platform also strictly controls risks, and agents and partners at all levels in towns and towns are included in the risk control system. How much is settled in each merchant's day, whether the funds are in place, and which risks may be seen on the platform.
Innovative products make services more meaty
“The financial needs of small and medium-sized micro-businesses are actually very strong. By attracting them to the platform, we can develop a variety of products. Although the income of a single merchant is not high, it is a huge group, and we can easily make economies of scale.â€
For example, Zhou Wei said that there is a small merchant who spends about 100,000 yuan per month on the card. It will take half a month for the bank to take out the goods, and the income from the demand deposits is minimal. In response to this situation, Remittance World has developed a "lishengbao" product, merchants can transfer the daily credit card consumption in time, when you want to purchase, you only need to operate one day in advance, you can use the funds at any time. After one month, merchants can earn five or six hundred yuan.
What should I do if the micro-business is tight? Customers who have cooperated with Remittance for more than 6 months can apply for a certain amount of credit loans to the bank by means of remittance. “We can observe the situation of merchants’ income from the background, and calculate the business volume and profit rate from the ratio of credit card and cash. The transaction-based credit can know in real time whether the merchant has sales or liquidity problems, which is better than mortgage. Based on the superior credit, banks can provide loans to merchants based on these data."
Third-party payment has entered the era of meager profit, Zhou Wei feels that the fight for price and market is not the way out. The driving force for sustainable development of enterprises is only innovation, and micro-finance will be a fertile ground for remittance to the world.
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