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亞博appCEO肖雯: 讓投顧服務像手機導航那樣方便

      yaboappchuangshiren、ceoxiaowencengrenguangfajijinfenguanyingxiaodefuzongjingli,shigongmujijinyingxiaoyewubiaoganshiderenwu。2015nian,tacizhichuangliyaboapp,lixiangjiushi“gaibianzhongguorenmaijijindefangshi”。

      shujuxianshi,gongmujijinguoqu20niannianhuashouyilv16.5%,erpiangujijintouzizhedeshouyihuibaoquxianqueyuanyuandiyuzhegeshu。zaixiaowenkanlai,zheshiyinweijijinchanpinhetouzizhezhijianshaoleyitaotougufuwutixi,ertadelixiangzhongyuchubushixian——zhongguojijintouguyewushidianyijingzhengshiqihang,zheshijijinxingyelishishanglichengbeishishijian。yaboappzuoweishoupitouguyewushidianjigouzhiyi,qixiaqiemanpingtai“sibiqian”tougufuwushengjijihuayeyijingzai10yue22rizhengshishangxian。

      zi2015nianchengliyilai,yaboapp5nianjianjianchijujiaoyumaifangtougufuwu,jianxingchangqizhuyi、jianxingyikehuweizhongxinlinian,shixianlecong“0dao1”deshengji。zaixiaowenkanlai,touguyewukongjianjuda,zhideshichangsuoyoucanyuzhezuowei“tongmengjun”xieshoujiangzhexiangyewuzuocheng“guominji”fuwu,gaibianzhongguorenmaijijindetiyan,rang“jiminxiangshoudaotamenbengaihuodedeshouyi”。

從改變國民理財方式出發

      tanjichuangyechuxin,xiaowenbiaoshi,chufadianzhengshijijinxingyeguji“jijinzhuanqian、jiminbuzhuanqian”,tongshi,dangxiagongmujijinchanpinshuliangyichao7000zhi,“zeji、zeshi”denantichangqikunraozhuguangdatouzizhe。

      “nengfouyouyizhongxindexiaoshoumoshizhenzhengbangzhujiminzhengqian?”zheyipusuxiangfarangxiaowenheyiqunzhitongdaohedehuobanchuanglileyaboapp,erxunzhaodaodejiejuetouzizhetouzikunhuobanfazhengshi “maifangtougu”。

      zheyixiangfabingfeipingkongerlai,shijiyuduixingyedelijieyijiduihaiwaijijinyewuderenzhi。“zi1940nian《touziguwenfa》chutaiyilai,haiwaitouguyewuyifazhanle80nian,muqiangeleijizhixiangduichengshu,haiwaijijinchanpinchabuduo60%shiyoutougumaichuqu。”xiaowenbiaoshi,haiwainengfazhanzhuangdademaifangtouguyewubiranyenengzaiguoneishenggenfaya。

      “yuebaochenggongdiranghuobijijinzoujinqianjiawanhu,chengweileguominjidelicaichanpin,tougufuwudagailvnengrangquanyileichanpinzoujinqianjiawanhu,chengweiguomincaifubaozhizengzhidezhongyaozuchengbufen,tongshiyenengkuodaquanyijijinguimo,chengweiziyaboappchangchangqiwendingdebaozheng。”xiaowenbiaoshi,quanyileizichanbodonghenda,putongtouzizhewangwangzhuizhangshadie,yincichangchangshi“jijinzhuanqian、jiminbuzhuanqian”,ertongguozhanzaikehujiaodudemaifangsiweiheyixilietougufuwu,nenggougaibiantouzizhedexingwei,tigaotouzizheduitouzirenzhi。

      yaboappzi2015niansheliyilai,shizhongjujiaoyumaifangtouguyewukaizhan,muqianqixiayouqieman、fengniao、qimingsanxiangyewu,fenbiezhenduigerentouzizhe、jigoutouzizheyijitougujigou。muqian,qiemanappzongzhucekehuyue100wan,jiaoyikehuchaoguo20wan。

      2019nian10yuezhongguojijintouguyewuzhengshikaiqishidian,tongnian12yue,yaboappyualiqixiamayijijin、tengxunqixiatenganjijinyitonghuodeyouzhengjianhuipizhundegongmujijintouziguwenyewushidianzige。2020nian10yue22ri,qixiaqiemanpingtai“sibiqian“tougufuwushengjijihuazhengshishangxian,xiaowendelixiangyi“tachuguanjianyibu”。

不是競爭者而是“同盟軍”

      “jijintougushidianshijinnianlaicaifuguanliyewuyixiangzhongdatupo,shijijinxingyelichengbeishishijian,tabiaozhizhuxingyecongyichanpinweizhongxinxiangyikehuweizhongxindezhuanxing。”xiaowenbiaoshi,touguyewushidianyinianlai,shixianlezheyiyewu“0dao1”deyidabu。

      muqianzhongguojijintougushidianyewuzhong,shoupihuodetouguzigedejigoubaokuojijingongsi、yinxing、quanshang、dulidisanfangjigoudeng,qizhongbushaojigouyongyoujuzuqingzhongdiwei、pangdakehuqundeng。mianduijiyuhetiaozhan,xiaowenzhiyan,touguyewushangsuoyoushichangcanyuzhebushijingzhengzheershitongmengjun。

      “touguyewushichangqianjingfeichangjuda,zhongguomuqiangerenketouzidejinrongzichanjiejin200wanyi,geleiziguanchanpinyeyoujin100wanyi,shichangpangda,jiyuzhongduo。tongshi,zhongguoziyaboappchangzhenzhengyiyishangdemaifangtougujiushiqunian10yuedifade‘diyiqiang’——jijintougushidian,zheyiguochengzhongsuoyoucanyujigoudouyongyoujudadejihui,yinggaixieshoutuidongzhongguotouguxingyefazhan。”xiaowenshuo。

      zaixiaowenkanlai,jijingongsi、yinxing、quanshang、dulidisanfangdenggeleijigou,yewumoshi、ziyuanbingfubutong,gengnengyijuzishenyoushilairangtouguyewuduoyanghuafazhan。rujijingongsicongtouzijiaoduqubanglaobaixingjiejuecaifudewenti,erxiaoshougongsi、caifuguanligongsigengduocong“gu”dejiaoduqujiejuecaifubaozhizengzhidewenti,yinci,weilaijijingongsidetouguyewushi“qifentou、sanfengu”,disanfangxiaoshougongsikenengjiushi“sanfentou、qifengu”。zheyang,keyonggezibutongxingshi、butongtediandetougufuwulaituijinzhenggexingyegengkuaifazhan。

      xiaowenbiaoshi,yaboappdengluweilaiguihuayoulianggefangmian,yifangmian,weiraogerentougufuwu(qieman)、jigoutougufuwu(fengniao)liangdayewu,buduanjiadatouru、shengjidiedai,zuodaochanpinhekehuzhijiandepipei,shixian“qianrenqianshiqianmian”delixiang;lingyifangmian,yaboappdengluzuoweijinrongkejigongsi,xiwanggeishichangshangdetougutuanduihejijinxiaoshoutuanduitigongyaboappdengluqiangdadezhonghoutaitougufuwujichusheshi(qiming),tuidongxingyedeshuzihuazhuanxing。

投顧要從長期出發“布道”

      “jide2004nian,dangwohuanzaiguangfajijindeshihou,yiciqingyigehaiwaijigouzuotouzipeixun,wowentaduiyujijinxiaoshouduanyinggaizuoshenmezhunbei?dangshizheweimeiguolaoshijiujiangleyigeci——budao。”xiaowenshuo,suowei“budao”,shizhenzhengbatouzidaoli、luoji、liniantixianzaimeiyiciheputongtouzizhedejiaoliuhehudongzhizhong,zaijianlixinrenguochengzhongrangtouzizhexiangxintabinggaibiantouzixingwei,ertouguzhengshiyaocongchangqichufaqu“budao”。

      xiaowenqiangdiao,touguyewubenzhishijingyingxinren,ranggedajigouzhenzhengjiangzhuyilicongchanpinshangzhuanyidaokehushenshang。touguqianwanbunengzoushangmaichanpindelaolu,shiyaoqujiejuekehushijihuibaowenti。touzibenshenshifanrenxing、nizhouqi、jieguohouyande,yaogaibiantouzizhexingwei,xuyaotouguzaitouqian、touzhong、touhouchangqipeibanyijiduikehubulixingxingweijinxingganyu。erjianlixinrenshiyigefeichangchangqideguocheng,shirunwuxiwushengdeguocheng。

      yinci,xiaowenrenwei,xinrenzuihaodefangshishikoubeixiangchuan,zuihaoshinengyongyitaozhengquedetouzilinian,tongguogezhonghulianwangfangshijingxihuayunying,ranhouzhubuchudadaogengduodekehu。“fahongbaojianlibulexinren,zuoguanggaoyehennanjianlixinren,zheyiyewujuedingleyaoyongyizhongchangqidefangshiquzuo,meishenmejiejing。”

      duiyumaifangtougudeshoufeijizhi,xiaowenyekandaolelicaishichangshangdexinbianhua,xinyidaihulianwangyuanzhuminzhengzaizhububianchengshehuizhuliucaifudechengzaizhe,erqitachanyezaizhishifufei、jiaoyufufei、gezhongzhiboshangruhuorutu,zhexiedouzaizengjianianqingquntijieshou“fufei”zheyangyigegainiandekenengxing,duiyutouguyeshiyiyangdedaoli。

      “xinchengchangqilaide80hou、90hou,queshibushaoxingchenglelianghaodefufeidexiguan。ruozhennengweikehuchuangzaojiazhi、jiejuekehudewenti,tougufuwufufeimoshishizhideqidaide。”xiaowenbiaoshi,ruheyongnianqingrenxiwenlejiandefangshi,bangzhutamenlejielicaidegezhongzhishi、celve,yeshiyanxiakaolvdezhongxin。lingyifangmian,nianqingtouzizhesixianggengweikaifang,jutidaomeigerendeqingkuangshibuyiyangde,suoyi,gengxiwangbatouguzhong“gu”defuwuzuochugexinghua。

新制度帶來新機遇

      10yue1rikaishishixingde《gongkaimujizhengquantouzijijinxiaoshoujigoujianduguanlibanfa》jipeitaoguizezhong,tijiweisuiyongjinshangxianshedingwei50%,yinqishichangguangfanguanzhu。xiaowenrenwei,zheyiguanlibanfarangjijinxiaoshouxingyejiankangfazhan,tongshigeizhegexingyedailaixinjiyu。

      “guoqudisanfangxiaoshoujigouzhong,chushaoshujutouyiwainenggouchengchangqilaidebuduo,weilaixingyegejukenenghuifashengbianhua。”xiaowenbiaoshi,zhidezhuyideshi,zhongguozaiquanqiushuziyingyonglingyuchuyulingxiandiwei,guoqujinianzhongguolaobaixingshenghuoxunsushuzihua,tebieshiyiqingyihouchedishuzihua,erdabufenjijinxiaoshoudisanfangjigoushiyixianshangyewumoshiweizhu。zaizhegeguanjianshidianchutaizheyizhengce,nengranggengduoyouliuliangdepingtaihuoyouliuliangjikehudejigouqushenqingjijinxiaoshoupaizhao,weizhenggexingyeyinrugengduohuoshui。

      duiyuweisuiyongjinde“xiangao”,xiaowenrenwei50%shiheliyaoqiu,zheranggefangliyigengjiajunheng,keyigengjiachangqituidongxingyefazhan。tazhiyan,ruoguanlifeide80%dourangxiaoshouqudaonazoule,jijingongsizhishengxia20%,congchangqilaikan,jijingongsinashenmequzhaopingengyouxiuderencaizuohaotouzi?weisuiyongjinxiangaoyouliyuzhenggejijinxingyedefazhan,buguanshishengchanfanghuanshixiaoshoufang,junnenggougenghaodichangqifazhan。

      zaixiaowenkanlai,tougufuwudeluodi、fazhanjianghuiduixianyoudejijinxiaoshoushichangdailaifeichangshenyuandeyingxiang,suizhuyuelaiyueduoderenjiarutougudelingyu,zhenzhengnenggoubachanpingongyingfang、tougufuwushanghekehusanzhedeliyibangdingzaiyiqi,changqiliyiyizhi,congergaibianjigouxiaoshoudexingwei,gaibianzhenggexingyedeshengtai,zhenzhengbangzhuzhongguodelaobaixingnengxiangshoudaozhongguogongmuxingyesuochuangzaodeshouyi,nenggoufenxiangdaozhongguojingjidezengchang。

      “woqidaiweilaitougufuwujiuxiangshoujidaohangneiyangfangbian,qidaicongliangbiandaozhibianrangtouguzhegeyewuchengweiguominjidefuwu。”xiaowenshuo。

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