College students' travel stages

Hello, at present, loans on the market can basically be paid in installments to relieve the pressure of funds, and the time varies from 3 months to 3 years. Choosing installment payment should not only choose a long period and low pressure, but more importantly, choose a regular big brand, the loan platform is guaranteed, and the funds and personal information are safe.

It is recommended to use Money Flower, formerly known as "Baidu Money Flower", which is a credit brand of Xiaoman Finance. It provides users with safe, convenient, unsecured and unsecured credit services. If you borrow money, you can go to Xiaoman Finance APP (click the official measurement). Money is easy to borrow, and the daily interest rate is as low as 0.02%. It has the characteristics of simple application, low interest rate, fast lending, flexible borrowing and repayment, transparent interest rate and strong security.

I will share with you the application conditions for consumer products with money: it is mainly divided into two parts: age requirements and information requirements.

1. Age requirement: 18-55 years old. Special note: If you have money to spend, you refuse to provide consumer installment loans to college students. If you are a college student, please give up your application.

Information requirements: You need to provide your second-generation ID card and your debit card during the application process.

Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and I can't apply with temporary id card, expired ID card or first-generation ID card.

This answer is provided by Youhuahua. Due to the timeliness of the content and other objective reasons, if the answer content is inconsistent with the actual interest rate calculation method of Youhuahua products, it will be subject to the display on the website of Xiaoman Financial APP- Youhuahua Loan. I hope this answer is helpful to you.

First, learn every Monday (1) merchant staging

China Construction Bank's merchant installment business refers to the business in which cardholders use CCB credit cards (except commercial cards) to purchase goods or services from CCB installment cooperative merchants (hereinafter referred to as "merchants") and conduct installment transactions through CCB installment system. After the transaction is successful, the corresponding transaction amount is divided into several installments, which are repaid by the cardholder on a monthly basis within the agreed time limit, and the corresponding handling fee is paid by the cardholder, or the merchant subsidizes part or all of the handling fee according to the agreement between the Bank and the merchants.

The profit model of merchants by stages is mainly that customers bear the handling fee and merchants discount interest.

> 1. high income: the annualized income is as high as 8.1%, which is an important starting point for all banks' income (the one-year loan interest rate is 4.35%).

2. Low risk: it can be regarded as ordinary consumption.

3. Low cost: it is handled circularly within the limit, and the cardholder does not need special application, and the bank staff does not need to accompany him. The cashier of the merchant directly completes the operation without additional investment.

4. One-stop: consumption, payment and credit are completed simultaneously.

5. Younger: in line with the consumption behavior characteristics of young customers.

6. Easy entry: as the entry point for cooperation between merchants with difficulty in acquiring bills.

1. Client

A. Enhance customers' purchasing enthusiasm and promote the growth of consumption transaction volume.

B. The fee income is direct income, and there is no other cost.

C. It can increase customer stickiness and loyalty.

2. Merchant side

A. consumption, increase the transaction volume of merchants and improve the stickiness of merchants.

B. Get higher income and enhance the comprehensive value of merchants.

C. bring deposit income to our bank.

At present, the pricing level of our bank is competitive in the industry. As can be seen from the following figure, the installment fee rate of our bank is only slightly higher than that of ICBC, especially for more than six installments, and obviously lower than that of China Agricultural Bank and Bank of Communications. We can make full use of this advantage in the marketing process. At the same time, in the economic environment where the market interest rate is rising, considering the inter-bank rate, the installment fee rate should rise for some industries and customer groups, and the floating part can be used as a merchant to expand resources if necessary; At the same time, we should be good at using a variety of business models flexibly, such as discount by merchants, interest payment by cardholders, sharing by both parties, profit sharing by merchants, and profit sharing by cardholders, so as to truly realize one policy for each household.

4N Promotion Mode: According to the analysis of the consumer market made by the Head Office in the early stage, four major industries, namely mobile phone communication, digital home appliances, education and training, and automobile life, were selected as key expansion areas, and all banks were required to achieve full coverage of 100% merchant installment business in the four major industries by the end of 2017. On this basis, it is deployed and promoted to N industries, including department stores, fitness and beauty, maternal and child care, tourism and leisure, gold jewelry, medical care, etc., to achieve the "4N" industry coverage goal.

According to statistics, more than 92% of our merchants' installment income came from mobile phone communication in the first half of the year. On one occasion, I saw that our merchants' installment business was excessively concentrated in the mobile phone industry, and the structure of installment merchants was seriously unbalanced. In the second half of the year, we should increase our marketing efforts to the other three industries.

Dig deep into its own location advantages, develop surrounding popular merchants, sort out qualified surrounding popular merchants and include them in the list of key merchants' phased target customers, and actively compete for cooperation projects; For large-scale high-quality merchants across regions, they should be good at discovering and taking the lead as the host bank to compete for general cooperation and actively dock projects.

The payment method starts to promote the transformation of its own Internet. While changing the traditional consumption habits, mobile payment also leads the transformation and upgrading of the consumption concepts of merchants and consumers, providing a good development environment for merchants in stages. Branches can take the initiative to connect the original offline high-quality acquiring merchants with online sales channels, such as online shopping malls, outlets, mobile APP applications, etc., and the list of e-banking merchants, and carry out phased business cooperation with online merchants to achieve comprehensive online and offline deployment. When necessary, technical support can be provided through external institutions.

The service characteristics of installment merchant business and preferential merchant business are highly coincident. Synchronous development is conducive to the integration of customer resources, which can not only promote installment transaction volume and merchant operation, but also improve the card experience and customer satisfaction of Longka credit card holders.

Make full use of the cooperation resources of our joint partners, especially the four major industries in the major expansion areas of cooperation, and open the installment payment function in official website, the partner. All kinds of co-branded card projects, which have online payment channels, will simultaneously open the merchant installment payment function for those who meet the conditions for the establishment of merchant installment business.

Daqing Branch, Heilongjiang Province: From January 1 to April 15, 2017, we launched a 97% discount on credit card installment in conjunction with the price shopping mall of Daqing New Mart, a leading local commercial enterprise. Carry out a 5% discount in stages for Longka Hot Purchase Card and Oilfield Trade Union Card. A total of 15 events were held, and the phased transaction volume was 15,608,700 yuan.

Hunnan Sub-branch in Shenyang, Liaoning Province: In the local Xinglong Ole Mall, we seized the opportunity of the merchants' own members' day promotion activities, took the merchants' members' recharge of cash back resources as the incentive, took advantage of the opportunity to superimpose our bank's 0 interest and 0 handling fee for phased publicity, and realized a phased transaction volume of nearly 30 million yuan within 25 days with less resources investment.

Beiguo Electric Installations of Hebei Branch: During the three-day activity period, 728 transactions were successfully conducted, with an installment transaction amount of 3.498 million yuan and a revenue of 70,000 yuan. The unit price is about 4800 yuan.

Shanghai Branch Kaidun Children's English: During the 71-day activity period, 97 transactions were realized, with a transaction amount of 1.98 million yuan and a revenue of 49,600 yuan. The unit price of the guest exceeds 20,000 yuan.

During the 30-day activity period, Xining Baoguang Gold Store of Qinghai Branch realized the installment transaction amount of 900,000 yuan, the number of transactions was 176, and the income was 15,400 yuan, accounting for 72%, 73% and 51% of the installment transaction amount, transaction number and handling fee income of the branch in that year, respectively, and the customer unit price was about 5,000 yuan.

Dezhou Department Store of Shandong Branch was divided into stages. In the first quarter, the transaction volume by stages was 9.77 million yuan, the number of transactions was 1902, the income was 195,400 yuan, and the customer unit price was about 5,000 yuan.

Second, the profit model of the installment company?

Staging companies have many classifications, such as car staging, furniture staging, mobile phone staging and so on. But their final mode of making money is similar.

1 installment companies mainly provide consumers with small loans for consumption purposes, and the loan amount is small, which most people can afford and the risk is relatively low.

2 Some installment companies make profits through interest spreads, that is, they use your information loan on some platforms, and then let you return it to the company, and the company will return it to the platform. To earn interest difference or service fee;

There are also installment companies that own their own goods and services. Profits are achieved by selling goods and services, such as mobile phone sales, furniture sales, decoration installment services, and travel installment services. Some interest-free or low-interest financial services are only to attract more customers, and profits are still achieved by commodity sales.

Guarantee to collect medical expenses for those who need money urgently. The main targets are college students and young people who have just entered the society. The venture capital is insufficient, and they do not meet the conditions for loans from formal units such as banks. Lower the threshold and earn its service fee.

In addition, there are other scattered businesses, such as providing small deposit and withdrawal business, credit card service, paying fines on behalf of others, and providing financial information, which can earn service fees.

However, loans are risky, so you should choose the appropriate loan financing products according to your actual conditions.

3. What is the profit model of credit card?

First of all, the annual fee is secondary

Secondly, it mainly depends on compound interest.

Withdraw five ten thousandths of compound interest a day, and pay a high fine for overdue,

Use of installment to calculate interest circularly.

There is also a handling fee for pos card swiping (this is generally paid by the merchant). In short, don't underestimate, the consumption power of China people and the ability to generate interest, the credit card business, banks are making money ~!

Fourth, some recently developed staging platforms, such as everyone staging, fun staging and so on. ...

B2b marketing model