On May 3, Alipay officially announced that it will fully integrate commercial payment capabilities and launch the "Code Merchant Growth Plan" to provide "guarantee" and "growth" for nearly 100 million offline "Code merchants". Let this most popular and the smallest group of merchants also catch up with the pace of the "Internet +" era.
Earlier, at the World Bank Conference held in Washington, Ant Financial Chairman Jing Xiandong shared with the world how China's "code merchants" can obtain financial services in the digital age through a QR code, and was appraised by World Bank President Jin Yong. "A model of science and technology promoting inclusive finance", saying that it has truly rewritten the industry pattern.
In China, whether it is a bun shop on the roadside or a stall owner in a vegetable market, offline small and micro businesses can do business with just a "QR code".
QR codes not only help offline small and micro merchants to collect money more conveniently, but also start their digital operations. Based on QR code business scenarios and data, offline small and micro businesses can enjoy multi-dimensional financial technology services such as business analysis, account management, wealth management, insurance, and loans. Due to the changes brought about by this small QR code, these small and micro businesses refer to themselves as "code merchants".
"Code Business Growth Plan":
Focus on growth and security
It is understood that Alipay's "Code Merchant Growth Plan" customized for offline small and micro merchants focuses on how to make small and micro merchants go further and more steadily. It is divided into two aspects: guarantee and growth.
More credit, more credit, more credit, as well as small and micro business classes and brand upgrades allow code merchants to grow better. Code merchants can obtain the loan services provided by MYbank from "overcharge and more loans"; "overcharge and more credit" has opened up Alipay merchant services and the 1688 supply market, and code merchants can get one stop at home with the touch of a finger. In addition, the money that the code merchants receive from their daily business can be put into Yulibao, and the more they receive, the more income they will get.
The plan of “overcharge and overinsurance” and “you dare to charge, I dare to pay” plan is based on reducing the life and business risks of code merchants and solving their worries. It is understood that if the code merchant's receipt code sticker is maliciously replaced or repackaged, the loss can be applied for compensation from the insurance company through the "You dare to accept, I dare to pay" plan. "Overcharge and more insurance" is provided by Ant Insurance. Code merchants can obtain outpatient insurance for free by using Alipay's money collection code to collect money.
Ant Financial revealed that in addition to continuing existing investments such as free cash withdrawals, it will provide code merchants with a loan amount of one trillion yuan in the next three years to help solve their financing difficulties.
There are entrepreneurship and innovation opportunities for service code providers
Even in developed countries, it is difficult for individual merchants doing small businesses to obtain such convenient financial services, and under the premise that the risks are completely controllable.
Of course, the development of the code business group is not only behind the resources of Ant Financial and Alibaba, but also the ecological power. Yuan Leiming, vice president of Ant Financial, said, "Ant Financial will use an ecological and platform-based approach to unite more offline ecological partners and local authorities to jointly promote the development and growth of the code business group." This also means that, In the process of upgrading the offline real economy, the service code business group will also bring more opportunities for entrepreneurship and innovation.
According to the data, there are currently 100.24 million domestic market entities, of which nearly 70% are individual industrial and commercial households. The large number of offline merchants, the high geographical dispersion, and the wide distribution of industries. At the same time, they are often unsecured, unsecured, and lack of risk control data. These reasons prevent traditional financial methods from reaching offline small and micro merchants. With the popularization of mobile payment, "cashless" not only brings about changes in payment methods, but also digitizes the operation of merchants for each payment, accumulating data and credit for them. Such an upgrade will also bring about a Broad B-side service market. According to PricewaterhouseCoopers, the valuation of B-side ecological service companies will reach 20 trillion in the next five years.
The original release time is: 2018-05-3
The author of this article: net business gentleman
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