Billion Shopping "Collapsed" Credit Card Mall Mode Hit Hard

P, known as China's largest credit card scoring mall, has collapsed in the summer. < /p >
< p > official website can not be opened, customer service hotline can not be connected, general manager Han Jitao is lost. Many executives of the original company have also changed their names on personal Sina micro-blog. After the failure of the company, billion shopping left nearly 30 million yuan in debt, including 6 million yuan undelivered orders. < /p >
< p > "I bought an Apple phone on June 3rd, but I haven't received it yet." A consumer from Sichuan recalled that at first, she contacted customer service staff several times. "Several times I asked the other party to send the goods as soon as possible, but the customer service attitude was very bad, and repeatedly pushed away. Finally, the customer service phone couldn't get through again. And I still need to pay the rest of the month. " < /p >
< p > 100 billion shopping was founded in 2007. It is a credit card staging shopping platform of Beijing Yi Bai Shang Shang Information Technology Co. Ltd., which operates online instalment shopping mall with more than 20 large banks. More ironically, Yi Bai shopping has also been named "China's best business model" by some media. < /p >
< p > "the cooperation between the billion shopping and large banks is new, and it also makes up for the market gap of credit card integration mall." Senior business person, Shenzhen electric shock Agel Ecommerce Ltd founder senior Gong Wenxiang commented: "the principle of mode is not complicated, but it has also planted a great risk. Once the shopping platform is running poorly, it will face a series of follow-up problems immediately. < /p >
< p > suddenly shut down thousands of consumers' collective rights protection < /p >
P, May 20th, the official micro-blog issued the last message. < /p >
< p > this information is promoting the shopping Carnival of the hundred billion shopping and Bank of China, and there are no other bad omens. Less known is that at the time, billion shopping is on the verge of bankruptcy. < /p >
< p > "long ago I heard that the company was nervous, but I didn't expect to be in such a hurry. At that time, we all hoped that new investors would come in. " An internal employee disclosed that in the afternoon of June 14th, the company suddenly informed the staff to convene the conference. "At the meeting, the Chief Executive announced the news to us, saying that venture capital did not talk well, and the company went bankrupt." < /p >
Less than P, today, billion shopping is located at the headquarters of the world trade center, North Sanhuan Road, Beijing. It has long been deserted. < /p >
< p > because hundreds of millions of shopping partners cooperate with banks to settle accounts by credit card installment payment, many consumers become the most direct victims after the bankruptcy of Yi Bai. < /p >
< p > "I bought Samsung mobile phone in June 14th billion, the total price was 5596 yuan, and the payment was 635 yuan. The rest is paid in installments through credit cards. But in a few days, "billion shopping" went bankrupt on the 18 day, and then the website could not be opened. Consumer Zhang said helplessly. Later, the customer service telephone of 100 billion shopping was also closed, and after the connection was "no business number". < /p >
Today, Mr Cheung can't buy P phones, and banks still charge their credit cards every month. This is unacceptable to him. < /p >
< p > similar cases are not rare. At present, many consumers have spontaneously formed several rights protection groups, hoping to solve this problem. According to the above consumers, up to now, there are up to 4 Rights Protection QQ groups, with a total number of nearly 1200 people. Among them, 784 of the largest consumers have joined. Communication with a number of consumers found that they mostly traded in billion shopping at the end of May or early June, and soon caught up with its bankruptcy. < /p >
< p > 100 billion shopping is the credit card staging shopping platform of Beijing Yi Bai you Shang Information Technology Co., Ltd., its original intention is to provide consumers with quality fashion products, convenient installment shopping mode and professional service guarantee. It is currently the largest and most professional professional service provider in the field. It takes three major businesses as bank mail order, e-commerce outsourcing and database marketing as the backbone, covering international diversified services such as catalogue mail order, e-commerce, telephone marketing, integral gift, call center and logistics storage. < /p >
< p > Industrial and commercial registration data show that Beijing Yi Bai you Shang Information Technology Co., Ltd. was founded in December 20, 2007 with a registered capital of 10 million yuan, and the legal representative is Han Jitao. Han Jitao also served as general manager of the 100 billion shopping. < /p >
Less than P, after 100 million shopping online, it has become the focus of attention in the industry. < /p >
< p > 100 billion shopping has won 20 domestic banks credit card staging mall third party operation qualification, including Agricultural Bank, Bank of China and so on. In their view, China's existing 100 million credit card users will be the main consumer group of e-commerce in the future. The overlap between credit card and e-commerce crowd is also an inevitable trend. < /p >
< p > the mode of "100 billion shopping" is clear thinking and has a bright future. Gong Wenxiang explained: "banks are amateurs after all, e-commerce is not familiar with this piece, and the operation of specialized teams is not cost-effective. So, Han Jitao saw this market blank. < /p >
"P", according to industry sources, Han Ji Tao is really smart and capable of achieving cooperation with banks. "A mountain top and a mountain top attack" are not easy. I did a lot of persuasion. < /p >
< p > 2007, Han Jitao led a team of only 20 people to start business and expand rapidly: in 2008, Gobi invested $10 million in venture capital; in April 2008, 100 billion shopping received the first order since its start. The development of the 100 billion shopping which favored capital has reached 500 employees. Its volume of business has also soared, with annual sales exceeding 300 million yuan in 2012. It has also obtained the licensing cooperation qualification of L'OREAL and other international brands. < /p >
< p > during this period, billion shopping also encountered financial crisis. The banks tightened their credit card payments, making it difficult for them to manage their businesses. But even with this embarrassment, Han Jitao still managed to ride out, and he also proposed the total revenue of 3 billion yuan in 2015. < /p >
< p > who knows that Hongyuan has not yet been completed? < /p >
< p > credit card mall mode hidden trouble < /p >
< p > consumers become the first group of victims after the bankruptcy of Yi Bai shopping, but the impact is not the same. < /p >
Three months after the incident, P continued to ferment, and many banks that had cooperation with hundreds of millions of shopping were kidnapped. < /p >
< p > according to a person familiar with the matter, there will be a temporary suspension of the electricity business of a bank in the near future. "But banks, credit cards and professional e-commerce platform cooperation, both sides can be facilitated. Banks can strengthen the attractiveness and stickiness of credit card customers, and electricity providers can also get their own days under heavy surround. < /p >
< p > under the situation that the electricity supplier market is already a red sea, precision marketing strategy is the magic weapon of the domestic e-commerce industry at present. In the face of the development of a second tier market, the three or four tier cities can still be space. Through cooperation with banks, the establishment of credit card integral consumption mode has greatly expanded the distribution of profits and revenues. Billion shopping is a typical example of this precision marketing. < /p >
< p > however, the bankruptcy of Yi Bai shopping also highlights the credit problem of the electricity supplier. < /p >
< p > it is understood that before this, hundred billion shopping has long been a credit problem. In November 9, 2011, the Dongcheng sub Bureau of Beijing industrial and commercial bureau also made administrative penalties for Yi Bai you Shang. < /p >
< p > administrative penalty decision shows that the parties are registered in room 3308, building 1, No. 2, Heng Fu middle street, Science City, Fengtai District, Beijing. From May 4, 2011 to July 19, 2011, they used the Beijing Yi Bai Shang Shang Information Technology Co., Ltd. to sit on the 6 floor of Beijing Dongcheng District Third Ring Road East 36, and carry out business activities on the 6 floor. The commerce and Industry Bureau also cited this to impose a fine of 30 thousand yuan on Yi Bai you. < /p >
< p > because the credit card users have paid the order through the bank, and the sudden collapse of the 100 billion shopping makes the payments they face are unrecoverable. "At last, there was no way for the company to go bankrupt and consumers complained." Li Wenxiang added: "but there are large banks in which ordinary consumers will not have other vigilance." < /p >
< p > in Li Wenxiang's view, in the whole chain, 100 billion shopping acts as a promoter of the operator or supplier, and the bank is the leader. "For the division of responsibilities, banks are the main responsibility." < /p >
< p > "Zhang surname consumer": "the agricultural bank told me that it is no longer necessary to pay in installments from July, and the next thing is not known." < /p >
< p > in addition, the bankruptcy of Yi Bai shopping also declared the death of the so-called "best business mode of China". The bank credit card mall, which is similar to billion shopping, will face a more severe test. < /p >
< p > "they have been recognized by banks as suppliers of banks, even though it is not easy. The marketing cost that can be followed will become their biggest worry. Li Wenxiang said, "we have calculated that the actual clicking buying rate of the electricity supplier industry is only 3/1000, even if 1000 people click on the website, only 3 will be purchased at last. The cost of the electricity supplier is 200 yuan. Once they broke down, they got more VC. " < /p >