Xiaojin platform is deeply involved in double 1 1, and Bai Hua urgently develops new functions to treat "eating soil"

"Left hand Gai Lou, right hand machete, double 1 1 chop again on the last day." It is a true portrayal of many people's "Singles Day".

According to official data, the turnover of Tmall Double 1 1 min in 36 seconds exceeded 10 billion yuan, and the turnover of 20 19 Tmall Double1reached 268.4 billion yuan.

Today's double 1 1 has changed from a festival in single dog to a shopping festival for the whole people. In the process of buy buy, it is necessary to "eat dirt". In this carnival, the "performance" of consumer finance plays an important role.

According to the data of flower buds, from 2065438 to August 2009, the average transaction volume increased by 38% and the number of trading users increased by 32%. During the pre-sale period of Double 1 1, the sales of flower buds will increase by 2000% for personal cleaning products, 500% for pet products and 460% for health food.

According to the results released by JD.COM, in the first hour of June 165438+ 10/,the transaction volume of JD.COM white bars under JD.COM Digital Branch exceeded 1 0 second, up by 320% year-on-year, and the peak payment of Jingdong increased by 327%.

According to Suning's financial data, the sales of double 1 1 Suning's financial wealth management products increased by 267% year-on-year, and the repurchase rate of Suning's smart investment reached 46%, giving 265,438+10,000 people a consumption bonus, and the amount of arbitrary payment in 24 periods increased by 498% year-on-year.

Lexin's staged music mall took less than 10 minutes, and it is estimated that the trading volume of the whole day will increase by more than 120% compared with the same period of last year.

As early as the warm-up period of double 1 1, the e-commerce department has been moving frequently to remove the gold platform, making full preparations for double 1 1.

Intensive release of ABS reserve ammunition

As a financing channel, ABS can expand the source of funds at low cost and increase the business scale. Recently, various platforms began to prepare "grain, grass and ammunition" for Shuang 1 1, and intensively submitted multiple single ABS fundraising applications.

According to media statistics, in September and 10, Ant Flower Garden submitted four ABS applications, borrowed Bai submitted 1 application, * * * raised 56 billion yuan, and JD.COM Baitiao submitted three applications, * * * raised1900 million yuan.

Suning Consumer Finance Company initiated the first phase of ABS in the interbank market, with a scale of 483 million yuan. Suning Small Loan also submitted an application for ABS fundraising of 8 billion yuan in July 2065438+2009.

In September, Lexin announced that it had obtained a $300 million 7-year private convertible bond financing, and the investor was private equity investment management group Taimeng Investment.

The performance of financial institutions during the "double 1 1" period also proves this point. The trading volume of white bars in JD.COM 10 second exceeded 100 million, up by 320% year-on-year; Suning Financial's 24-phase installment increased by 498% year-on-year, with double pre-sale period11; Flower buds promote the growth of personal cleaning products by 2000%, pet products by 500% and health food by 460%.

Not only are "ammunition" prepared, but major consumer platforms also launch various activities to stimulate users' credit consumption.

Each platform pushes interest-free products in installments, and Huayuan can open 3 accounts.

Double 1 1 flower bed has become a routine means, and people have been receiving news that three flower beds can be opened since 10.

165438+1October 8th, during the gold rush, I received a short message reminding me that another infrequently used Alipay account can open Ant Flower Garden, and this amount is an independent consumption amount. Subsequently, our trumpet opened the ant flower garden, and obtained the general quota of 500 yuan, but the quota could not be increased for the time being.

(Alipay Flower Garden screenshot)

According to reports, this 500 yuan is a universal quota, and it is an unlimited quota for using scenes. General quota includes general basic quota, general temporary quota and fast charging quota.

Ant flower bud customer service replied that in the case of completing the certification, an ID card can open up to 3 flower buds, and a user can only open one flower bud before.

The three flower bud quotas are independent of each other, but the Instruction Manual of Flower bud Multi-account Service suggests that the quota can be allocated and recovered by opening a flower bud account when the system conditions are met. In the future, the quota of Xiaohuabai may not only be 500 yuan, but also be allocated through the main number.

At the same time, the relevant Alipay accounts can independently use the flower buds for consumption payment and installment, and there is no need to separately confirm and authorize other accounts. It is worth noting that with the increase of activity, small flower beds may also increase the number of places.

No matter which account under Alipay is overdue, it will affect the use of flower buds under other accounts.

There are different opinions in the industry about why Bai Hua has launched the multi-account function instead of directly enhancing credit, but there is a hidden worry of excessive credit.

Prior to this, Ant Financial has just publicly launched the social responsibility initiative of consumer financial institutions, and put forward suggestions such as "appropriate interest rate" and "credit constraint" to consumer financial institutions.

Look at JD.COM again. During the "Double 1 1" period, Jingdong Finance, a subsidiary of JD.COM Digital Group, held the "National Divide 1 100 Million" Beijing Post "activity. After clicking on the activity in the gold rush era, I got a red envelope of 20.66 yuan. Judging from the situation that many users send red envelopes, most of them are around 20 to 25 yuan.

In addition, JD.COM also launched "JD. COM "white bars are reduced" and "white bars are purchased interest-free". In the interest-free purchase of white strips, users can enjoy 3 to 24 interest-free periods. In addition, new users can get coupons from 60 yuan by activating the IOUs, and the above preferential amount needs to be downloaded and logged in to Jingdong Financial App for cash withdrawal.

(JD.COM APP screenshot)

The way of subsidizing old users to increase stickiness and issuing coupons to attract new users has received good feedback on the download volume of Jingdong Financial App. According to the Department of Mathematics of JD.COM, during the double 1 1 event, the cumulative number of registered users of Jingdong Financial App exceeded 250 million, ranking first in the financial list of Apple App Store.

Suning Finance launched a campaign to carve up 654.38 billion yuan of cash-filled red envelopes. After clicking, I got the payment voucher of 5 yuan, and then I was prompted that I need to download Suning Finance to get it. Suning paid new customers to return to 50 yuan for the 24th interest-free activity, and the wealth management product Zero Money Bao launched an activity of 8.0% exclusive comprehensive income on the Double Eleven.

(Suning App screenshot)

According to Suning's financial data, the sales of Suning's financial wealth management products increased by 267% year-on-year, the repurchase rate of Suning's smart investment reached 46%, and the consumer bonus was given to 265,438+10,000 people. The amount of arbitrary payment in 24 periods increased by 498% year-on-year.

Double 1 1 promotion has become an opportunity for e-commerce platforms to stimulate consumption and compete for performance, and it is also a battlefield that consumer finance companies cannot miss.

On the day of this year's double 1 1, Bai Hua's official Weibo announced the urgent development of new functions dedicated to eating soil.

Last year, after the double 1 1, Bai Hua introduced the deferred repayment function. The publicity showed that "the double 1 1 bill will be carried over to the next year", that is, after the bill date and before the repayment date, you can use the deferred repayment function to move the bill of the current month to the next month, but you need to pay a certain fee. The page mischievously displays "Not much anyway."

Interest-free installment and deferred repayment show where the soil is best nearby. What kind of "soil management" function will be launched this year?