novel-bin Chapter 716 Huabei goes online, reshuffles the industry!
Chapter 716 Huabei goes online, reshuffles the industry!
Wang Yi continued: "But unfortunately, not everyone has a credit card, which means that many people cannot enjoy the benefits of credit installment payments."
"To this end, we at Xingyi Bank have uniquely launched a 'virtual credit card' - Huabei!"
"Users only need to download the Xingyi Bank APP, click to open Huabei, and upload information according to the prompts, and then they can see the Huabei credit limit that each person can get. Once approved, this credit limit can be officially used."
"Whether you are shopping online or offline, you can choose to use Huabei to pay."
"You spend this month, pay the bill next month, and then repay the money, all with zero interest."
"If you feel pressure to repay the debt, you can pay the bill in installments, but installments will be charged interest, just like credit cards."
Hearing this, everyone got excited:
"This is great, Huabei is equivalent to a virtual credit card!"
"Yes, everyone has one. You don't need to go offline to apply for it. It can be used on all payment platforms."
"Spend this month and repay next month, with zero interest, which is equivalent to an extra month of turnover time."
"Instalment payment is also good. I have been eyeing the Xingyi Ultrabook S1 pro for a long time, but the price of more than 12 yuan is too high for me to afford. Now Huabei can pay in 1000 installments, with each installment being around yuan. That way, there is no pressure."
"Buy early and enjoy early, a little interest doesn't matter."
"I also saw that some products offer zero interest for 12 installments. Does that mean there will be no interest even if you pay in 12 installments?"
"Is this true? How is this possible?!"
"Really? Look at the newly released Xingyi RTX 980, which is priced at 3999, and supports 12 interest-free installments, so you only need to pay 333.25 per installment!"
"There are also Xingyi gaming laptops and desktops equipped with Xingyi RTX 980, which also support 12 interest-free installments!"
"Xingyi RTX 970 is also available with 12 interest-free installments."
"Damn, that Xingyi graphics card is awesome!"
"I was originally struggling over whether to buy a GTX 980 or a Xingyi RTX 980. Now I'm ready to go for the Xingyi RTX 980, just for the 12 interest-free installments."
"I used to think that the Xingyi RTX 980 was too expensive, so I bought the Xingyi RTX 970. Now the Xingyi RTX 980 has installments with no interest, so it's not expensive anymore, so I just bought it!"
"I also upgraded from Xingyi RTX 970 to Xingyi RTX 980. There is no pressure to upgrade with 12 interest-free installments."
"Huabei is great, and 12 installments with no interest are even better! Thanks to Mr. Wang, my happiness index has improved by several levels this year."
Wang Yi smiled and said: "I believe many people have seen that Huabei installment payment has some interest-bearing products, some low-interest products, and some products are interest-free for 12 installments."
"For example, flagship and high-end graphics cards such as the Xingyi RTX 980 and Xingyi RTX 970 all support Huabei's 12-month interest-free payment."
"There are also flagship gaming laptops, desktops, Xingyi TV X70, etc., which also support 12 interest-free installments."
"You only need to pay one-twelfth of the price to take the product home, and then pay it in installments on the monthly bill date without any interest. This is a benefit for everyone."
"Wang Dong is mighty!"
"Mr. Wang is a great man!"
Everyone was excited.
12 installments with no interest, no one would refuse such a good thing!
In fact, if everyone stops consuming, the consequences will be serious. It will lead to deflation and lack of economic vitality. No one will make money and life will become more difficult!
On the contrary, if everyone consumes actively, the economy will start to circulate, incomes will be higher, and living standards will be better.
This is also one of the reasons why Wang Yi launched Huabei.
It is to stimulate consumption, stimulate everyone's shopping desire, and boost sales!
Flagship graphics cards like the RTX 980 have slightly better performance than the GTX 980, but it is estimated that more people will still choose the GTX 980, after all, it is an old brand.
Under this situation, without 12 interest-free installments, the annual sales volume of Xingyi RTX 980 may be only units.
And GTX 980 can sell 150 million copies!
But with Huabei's 50-month interest-free policy and installment payment, the purchase threshold is greatly lowered, so the sales volume will not be just .
But it starts at one million!
In addition, many users who were planning to buy GTX 980 will give up GTX 980 and choose Xingyi RTX 980 for the 980-month interest-free policy. The sales volume of Xingyi RTX can increase by another one million.
By this calculation, the annual sales volume of Xingyi RTX 980 is not 200, but million, or even more!
Once the annual sales volume reaches 200 million, the cost of RTX 980 will be greatly reduced due to the scale effect.
The market share, popularity, number of users, brand influence, etc. of Xingyi graphics cards will all soar.
These values are far higher than the interest cost of 12 installments free of charge!
It can be said that Huabei and 12 interest-free installments are another core strategy of Wang Yi to kill Nvidia!
As expected, many users gave up GTX 980 and chose to go for RTX 980.
I was originally planning to buy Xingyi RTX 970, and I also chose to buy Xingyi RTX 12 in 980 interest-free installments.
还有打算购买星逸RTX 960的，也因为星逸RTX 960只有12期低息，索性放弃星逸RTX 960，选择12期免息的RTX 970！
The GTX 980 does not have the 12-month interest-free installment of Huabei, but the Xingyi RTX 980 does. Plus, it is hundreds of dollars cheaper and has slightly better performance, so most consumers will choose the Xingyi RTX 980!
Finally, Wang Yi said with a smile:
"The New Year Goods Festival promotion has been fully launched. All products support Huabei installment payment, and many products support 12 low-interest payments or 12 interest-free payments."
“Thank you again for your support and wish you all a happy new year in advance!”
At this point, the New Year Goods Festival press conference officially came to an end, and the New Year Goods Festival promotion began in full swing.
All users have started their New Year shopping spree.
In particular, the launch of Huabei has lowered the payment threshold and greatly stimulated everyone's enthusiasm and intensity in consumption.
Soon, the news of the New Year Goods Festival press conference was reported by major media:
【Xingyi Semiconductor releases flagship graphics card RTX 980, surpassing NVIDIA GTX 980 and becoming the world's number one! 】
[Domestic graphics cards are on the rise, Xingyi Semiconductor has launched a variety of graphics cards, completely suppressing Nvidia! ]
【Xingyi Bank launched the Huabei service, which allows users to spend first and pay later, and supports installment payments.】
[Xingyi New Year Goods Festival promotion officially started, and Huabei was launched, with many products offering 12 installments with low interest or even no interest. 】
[Changchat Payment and Xingyi Bank launched Huabei, opening a new era of consumption! 】
[The third generation of Xingyi smart TV is launched, fully equipped with Kunpeng 910V picture quality enhancement chip, and the whole series is available for sale at a reduced price! ]
[Xingyi Smart TV X70, 70-inch giant screen, super performance, super picture quality, self-developed system, only 19999, supports Huabei 12 interest-free installments. ]
[Xingyi Tablet 2 ultra is released, with double the performance and integrated image quality enhancement chip, which completely crushes Nvidia Shield Tablet! ]
……
This series of news broke out in a concentrated manner, directly dominating major domestic and foreign platforms such as TikTok, Weibo, Tieba, Facebook, and Twitter, and quickly caused an uproar:
"Xingyi Semiconductor is really amazing. It has surpassed Nvidia in graphics card manufacturing! Not only is the performance strong, but the price is also very attractive."
“星逸RTX 950 1299，星逸RTX 960 2G版本1599、4G版本1999，星逸RTX 970 2499，星逸RTX 980 3999，都没有对手啊！”
"All four graphics cards have the best performance at the same price, the lowest price at the same performance, and an unbeatable price-performance ratio. Just buy any one of them."
"If you have enough money, you can go for RTX 970 or 980. If you are still capable, you can go for RTX 960. If you are really short of money, you can go for RTX 950. They are much better than Nvidia."
"The most amazing thing is that there is no interest in 12 installments. The flagship and high-end products all support 12 installment payments, and there is no interest."
"Damn, this is so good, go for it, we must go for it!"
"The Xingyi mini host is also very good, with powerful performance and easy to carry."
"I ordered the Xingyi massage chair and Xingyi massage bed. There is no pressure and interest is waived in 12 installments. It is all about enjoyment."
"Huabei is really easy to use. I uploaded my information and got a credit line of 2 yuan directly."
"That's amazing. I only have a credit limit of 8,000."
"My income is not high. I uploaded my information and I have a credit limit of 3,000 yuan, which is enough for me to spend, haha."
"Mr. Wang is really kind, Huabei is really good. Spend this month and pay the bill next month, perfect."
One pass ten, ten pass a hundred.
Soon, a series of blockbuster new products from the Xingyi New Year Festival and Huabei installment payment became popular on the entire Internet.
Young people in particular began to experience it, which led to a rapid increase in the number of downloads of Xingyi Bank.
Looking at this scene, Jack Ma was dumbfounded:
"Huabei! Huabei!"
"Xingyi Technology is really good at making this thing."
"This is terrible. With Huabei, won't the number of users and order volume of Douyin Mall increase rapidly? It's even possible to surpass Taobao?"
Vice President Mo Yi nodded: "That's for sure, Chairman, installment consumption is amazing."
"The simplest case is that a young person who has just started working and has limited income will not dare to spend money on Taobao or Tmall, as Huabei does not support installment payments.
"But on Douyin Mall, Huabei installment payment is supported, so they dare to spend this month and pay back Huabei after receiving their salary next month. In this way, consumers will give up Taobao and Tmall and become loyal users of Douyin Mall!"
"Some people originally planned to buy Xingyi RTX 960, but with Huabei's 12-month interest-free payment, they will directly buy Xingyi RTX 970 or even Xingyi RTX 980. After all, there is no interest and they can pay in installments."
"Just this Huabei can snatch away most of our users, and the consequences will be disastrous."
“We must immediately launch an installment business similar to Huabei, otherwise, not only will Tmall never catch up with Douyin Mall, but even Taobao may be surpassed by Douyin Mall!”
Jack Ma nodded and said, "That's right. This is a very serious matter. We at Alipay must immediately launch our 'Huabei' and installment payment service, and we must also specifically launch 12 interest-free installments."
The president of Alipay was in a dilemma: "Chairman, it is not difficult for us to launch Huabei. But it is very difficult to offer a 12-month interest-free service. Most importantly, who will bear the cost of the interest-free service?"
"Yes, Chairman, the 12-month interest-free business of Douyin Mall is currently mostly Xingyi Technology's own high-end products. The cost of interest-free is borne by Xingyi Technology itself. After the interest-free period, it can definitely boost sales, stimulate consumption, and make more money."
"But what should we do at Alibaba? Most of our products are third-party products. It is not appropriate for us to subsidize the launch of 12-month interest-free payment on Alipay and let third-party merchants make a lot of money."
Jack Ma frowned, "Yes, this is indeed a problem. Then our 12-month interest-free period will be for Tmall's self-operated products. As for the cost, let the product sellers bear part of it. If they are willing to bear it, we will arrange for 12-month interest-free period. If they are not willing to bear it, we will not force them."
"Okay, that's fine."
"How long will it take for Alipay's installment business to be completed? When will it be launched online?" Jack Ma asked.
"It will probably take more than half a year!"
"So long?" Jack Ma was very unhappy: "Doesn't this mean that not only can we not catch up with the current New Year's Goods Festival, allowing Xingyi Technology to dominate the market, but we can also not catch up with the upcoming 618 promotion? Will Douyin Mall continue to run rampant?"