More Shopping Cards Will Be Sold Again After Ten Years.

　　在金融街上班的“黃牛”

"Normally, we usually wait here, send out business cards, pick up and collect zero cards, and do the same for a long time. There will be regular customers who go there."

Mr. Zhu's work place is at an intersection in Financial Street. His business card is simply printed with "long shopping cards for all major shopping malls, and we cooperate with you to win a win-win situation". His whole job is to wait for the person who bought the card with cash to come to the door, then sell it hand in hand.

"A big shopping mall is so expensive. What are you doing with cash?"

In his view, the advantage of their line is obvious. The biggest trouble is the police.

"If we are caught by the police during the paction, we will be detained, your cards will be confiscated, and if the amount of the card is too large, such as hundreds of thousands of, they may still be investigating the source."

But this is nothing, Mr. Zhu said. "Generally, the real" big owners "are coming here to go around. They need to finish their business cards and call us to negotiate the price, and then make a local paction.

"On-site trading is generally selected in the" 24 hour self-service bank ", while trading on the side of cash bag, there are people outside the wind, Financial Street is the most missing of this, there are several single subway outlets.

In a self-help bank, "picked up" quite abundant Ms. Li said.

"We also make hard money, and the wind and the sun and the rain."

Mr. Zhu is very "modest", but it is revealed that the annual income of tens of thousands and tens of thousands of yuan can be found everywhere.

Zi and Shun's business cards and fortune cards are about 9.3 to 5% off entries, Accor e cards are about 9.2 to 6% off, and ordinary shopping cards are basically 9 to 8% off.

If it comes out, it will be basically between 9.5 and 3% off.

Ms. Lee said that the average profit margin could reach about 3% by pouring in.

Although the number is small, it is very impressive to count tens of thousands of dollars a day.

Mr. Zhu said that the season of collecting cards is also very strong. Before the holidays, it is "busy season". They will be busy to grab tens of thousands of yuan, a large amount of cards, hundreds of yuan, thousands of yuan, they are too lazy to see, now is the "off-season", one day can basically receive more than ten cards, and get in and out of over 10000 yuan.

　　利潤比黃牛更高的“刷單者”

It is revealed that at present, the "scalpers" in Beijing are mostly in the northeast of China, and are often dispatched by the whole family.

Their bottom line is "brush scalper".

"If you want to get stuck, just call us directly."

"Brush list" is another group of "invisible" groups.

Together with the "yellow cattle", they opened an outlet for the cash card that could not be realized: cash was made by shopping in the mall and online.

Like "cattle" from one place, Beijing's "scalpers" are mostly Anhui people.

Relatively speaking, their profits are higher than those of the "scalpers", and the risks they take are greater: the cashiers and security guards will keep an eye on them, and a small measure in the mall can make them busy.

Careful people may find that after Carrefour issued a large number of shopping cards at the end of last year, the export settlement was much more guarded.

A professional "brush man" says that people who do not know may think these people are stealing, but they are actually staring at them.

Shopping malls can easily hit the "scalper".

In 2007, there was a dispute between "brush holders" and security in Zhuang Sheng Guang Guang Department store. After police intervention, Zhuang Sheng Guang Guang Department suddenly launched a preferential sale of "cash consumers shopping for one hundred dozen 5% off", which made them rush to sell their cards, which was regarded as "direct retaliation".

"We usually use 9.7 to 2% off people to do the laundry. If the shopping mall is going to go shopping for one hundred to 5% off, no one will use the card."

A person who brushes the bill says that sometimes the mall will turn a blind eye to them, especially in the low consumption season, which can speed up the turnover of the shopping mall, and more often than not, shopping malls and card issuers do not like to see them.

"We are watching them eat."

Mr. Zhu sighed, "brush people" out there slowly, their business is not good to do, during this time almost everyone hands at least twenty thousand or thirty thousand yuan of cards in the hand.

　　強勢而苛刻的“發卡機構”

Compared with the "pawns" in the pommel, their upper reaches, the hairpin, are the makers of the "rules of the game"!

From the junction of Mr. Zhu's work to the investment Plaza, up to the 8 floor, you can feel the influence of the credit card holding group of the business card issuer, the credit holding group (hereinafter referred to as "Zi he"): the business is in an endless stream in this layout similar to the bank's store.

It is estimated that as the largest shopping card sales agency in Beijing market, since the beginning of wading business in August 2006, the sum of cumulative credit card issuance has exceeded 10 billion yuan.

At present, Zi he has set up three outlets, and has built zhe Shun building, shopping malls and online shopping malls, and the businesses signed by them are all consuming places in the mainstream formats of Beijing, and are still penetrating into the outside world.

In addition to Zi Xin business card, there are more than ten kinds of cards in Beijing market, such as luck card, Carrefour card, Accor E card and so on.

It is hard to imagine that such amazing speed of expansion depends on the extremely harsh selling conditions.

According to Zi and the letter, 500 yuan denomination below 15 yuan / Zhang, 500 yuan face value above 3% by the amount of handling fees, there is no discount below million.

Not only that, the business card used for a period of 1 years (New hairpin for 5 years), expired also need to collect fees.

The same is true in ordinary shopping malls. Taking Carrefour as an example, each purchase card costs 4 yuan, which is valid for one year, expired, and 4 yuan can be extended for one month, but it can only be postponed once.

"Since invoices are sold at the time of sale, they must not be returned."

What is associated with strong rules is not the security of funds, but rather the great risk.

Generally speaking, there are four sources of profit for card issuers: the first is that a lot of unsupervised funds are available for investment, and the other is sales rebates given by merchants. Three is the handling fees and management fees of cards, and four is the residual funds due to expired cards.

"The latter three benefits are almost fixed, and the first one can be flexible. Without any supervision, the card issuing agencies will inevitably invest in funds, and the risks will be enormous."

There have been incidents involving card issuers investing in stock and real estate.

　　一舉多得的購卡人

The international card issuing company, Accor, commissioned the zero point company to do a Chinese market survey. In 2008, the scale of China's prepaid market was at least 800 billion yuan and expanded at 2 times the rate of GDP growth.

Consumption of cards has even created major sales of many large shopping malls.

"Although some shopping malls give 1% to 2% return cards, they do not even match the cost of the card for ordinary consumers."

An industry insider said that public relations companies, enterprises and institutions are the main force in purchasing cards. These cards can offer various invoices, gifts, tax evasion, and even great benefits to purchasers.

According to Zi he's introduction, although it is not explicit, the total amount of purchase will exceed a million, and it will be returned to a certain proportion of the card, and 3% of the service charge will also be reduced accordingly. "The extra card is directly controlled by the person responsible for purchasing, and the stranger will not know it."

In some shopping malls, the cards are relatively pparent. According to the quota, the shopping card with a total amount of 150 thousand yuan is taken as an example. Carrefour can get a maximum of 1.2% of the shopping cards, WAL-MART can return to 0.75%, and Wumart can reach 2%.

"At the end of the year, a large unit will purchase tens of millions of yuan, and return to hundreds of thousands."

A shopping mall official said.

"Zi he can open an invoice for consulting fees and service charges, and can also draw out invoices for office supplies and labor insurance products from the mall, and the shopping malls will be more flexible."

A financial officer said that these invoices were very effective in reducing revenue and reducing taxes. The agencies could also spend the unfinished budget. Shopping cards could also be issued to everyone as a benefit, which would reduce the expenses of employees' tax returns.

"Holiday shopping cards have become a convention, which can avoid risks and facilitate financial accounts."

The head of a public relations company said that the professional card issuing agency could also help the customers to customize the whole package and complete various missions safely and reasonably.

"If this is the case, there is no" yellow ox "and" brush list "to create exports, shopping cards may not be so popular.

One analyst believes that because such cards are anonymous, the free flow of cards and cash gives the market unlimited room for daydream.

Reporter's notes

Whose head should be cut?

With the proliferation of shopping cards and the increasing number of complaints from consumers, it is often seen in some locality reports that the shopping card is a new thing and can not be trusted. It is difficult for consumers to safeguard their rights, and consumers are cautioned to buy it cautiously.

In fact, since 1998, tokens have been banned by many departments. After that, the relevant regulations have been reiterated.

In the past ten years, repeated prohibition and unstoppage can lead to the existence of rationality.

From card issuers (or shopping malls) to enterprises and institutions, then to individuals, and then to "cattle" and "scalpers", and finally to the card issuing agencies (or shopping malls), a complete "industrial chain" is working like this, and every link on the chain seems to be a winner, forming a rare win-win situation.

Unfortunately, how much "black gold deal" is concealed in this multi winning light?

During the two sessions this year, the central bank once again declared to solve this problem.

It is said that the relevant side believes that public funds can be invoiced for the stored value cards and then sent to the private sector, so it is easy to form corruption. Therefore, it is being studied how to regulate the issuance of stored value cards, which may be prohibited from issuing invoices in the card issuing section.

　　若真能出臺，這舉措自然是值得稱道的，不過在商家、發卡機構、企事業單位、個人已形成的穩定利益共同體的綁架下，砍下這一刀不是件簡單的事兒。