Category Archives: Clothing & Fashion

WeChat cash charges have ulterior motives. 马萨德巨蛇

WeChat cash charge drinker WeChat to pay a transfer back to the era of free, WeChat can pay to cash it will open the charging mode. Yesterday, WeChat side said, from March 1st, WeChat payment will open small change cash charging plan, each person can only enjoy the cumulative amount of 1000 yuan free cash withdrawal limit, more than part of the need to charge according to the rate of 0.1%. The reason for collecting fees, WeChat said, just to pay bank charges. But many market participants do not agree that WeChat charges the reason for "shirk" to commercial banks, but that WeChat wants more funds in its own application scenarios consumption. Lifetime free amount is only 1000 yuan, WeChat suddenly announced yesterday, since March 1, 2016, WeChat pay adjustment fee policy, from the change to the bank card excess withdrawals need to charge a certain fee. Specific charge standard means from March 1st to calculate, each user (ID card dimension) has accumulated 1000 yuan toll free amount, more than 1000 yuan, according to the bank fee collection fee, the current rate is 0.1%, each receive at least 0.1 yuan. For example, after March 1st, the user wants to change from WeChat to the bank card withdrawals 1000 yuan, 1 yuan fee will be charged. That is to say, as long as related to the change of funds are provided to charge a fee, such as WeChat, WeChat red charge transfer amount will automatically change to WeChat, WeChat and even change the purchase CAITONG the same charges. WeChat explained that if the use of small change to buy financial management, the redemption of funds will be returned small change, from small cash withdrawals to the bank card charges. And the use of bank cards to buy financial pass, the redemption of funds will return to the bank card, so that does not involve cash charges. For the lifetime free cash withdrawal limit of 1000 yuan, WeChat explained that the vast majority of users zero wallet stock is less than 1000 yuan. Transfer is free, but cash is charged. What kind of abacus has WeChat played? A third party payment agency insiders told the Beijing Business Daily reporter, transfer fees charged in fact not much significance, most of the transfers can be achieved with WeChat red packets. The official response to fill the cost of the Spring Festival red packets war just enough zero wallet, mention now to spend the fee, WeChat’s "surprise" so that many users are helpless. In this regard, WeChat’s explanation is that the cash charge is not WeChat’s pursuit of revenue move, but used to pay bank charges. WeChat pays every transfer and cash deal, in fact, regardless of the amount of money, banks are required to pay transaction fees to WeChat. WeChat payment team is actively communicating with banks, and strive to achieve early transfer, cash transactions are completely free. In this regard, the State Council Development Research Center Deputy Director of BA in Sina micro-blog questioned said, "now is to the bank account, the bank will charge fees?" However, a person who did not want to be named said that although this statement is to shirk responsibility, but it is basically true. According to its understanding, many banks for economic considerations, it is impossible to let WeChat only make rosy

微信提现收费醉翁之意不在酒   微信支付转账重回免费时代,可微信支付提现却将开启收费模式。昨日,微信方面表示,从3月1日起微信支付将开启零钱提现收费计划,每人终身只能享受累计1000元的免费提现额度,超过部分需要按照0.1%的费率收取。对于收取手续费的原因,微信方面表示,只是为了支付银行手续费。但不少市场人士并不认同微信将收费原因“推卸”给商业银行,而是认为微信想让更多资金在自有应用场景中消费。   终身免费额度仅1000元   昨日微信突然对外宣布称,自2016年3月1日起,微信支付调整手续费收费政策,从零钱到银行卡的超额提现需要收取一定的手续费。具体收费标准是指从3月1日起计算,每位用户(身份证维度)有终身累计1000元免费提现额度,超出1000元部分按银行费率收取手续费,目前费率均为0.1%,每笔最少收0.1元。比如,3月1日后,用户想从微信零钱提现1000元到银行卡,将收取1元的手续费。   也就是说,只要涉及到零钱资金的提现都要收取一定的手续费,比如收取的微信红包、微信转账金额都会自动转到微信零钱里,甚至使用微信零钱购买理财通,提现时同样要收取手续费。微信方面解释称,如果使用零钱购买理财通,资金赎回将返回零钱,从零钱提现到银行卡需收费。而使用银行卡购买理财通,资金赎回将返回银行卡内,这样不涉及提现收费。   对于终身免费提现1000元的限制,微信方面解释为绝大多数用户零钱包存量都在1000元以内。转账免费,提现却收费,微信究竟打了怎样的算盘?一位第三方支付机构内部人士向北京商报记者表示,转账收取手续费其实没有多大意义,大多数的转账都可以用微信红包实现。   官方回应为填补成本   春节红包大战刚充裕了零钱包,提现就要花手续费,微信的“出其不意”令不少用户很是无奈。对此,微信的解释是,对提现交易收费并不是微信支付追求的营收之举,而是用于支付银行手续费。微信支付的每一笔转账和提现交易,事实上不论金额大小银行都要向微信支付收取交易手续费。微信支付团队正在积极与银行方面密切沟通,争取早日实现转账、提现交易完全免费。   对此,国务院发展研究中心金融研究所副所长巴曙松在新浪微博上质疑称,“提现是向银行账户存款,银行会收手续费吗?”不过,一位不愿具名的银行人士表示,这样的说法虽说是为了推卸责任,但基本上也是事实。据其了解,许多银行出于经济原则的考虑,不可能让微信只赚取好处,而自己承担风险,因此确实会收费。而另一位商业银行人士却表示,并不是每一家商业银行都收费,如果提现0.01元都要收费,那是不是有点过于霸道?   醉翁之意不在酒,不少分析人士表示,微信提现收取手续费的真实目的是想借机构建微信支付生态。一位微信内部人士也表示,微信有很多应用场景可以消费。   易观智库金融行业中心研究总监马韬向北京商报记者表示,微信支付转账收费的原因之一是为了其自身支付生态的健康度考虑,之前很多商户为了节省手续费,进行结算时,通过转账来完成,这次提现收费可能一方面也是为了构建支付生态的健康度,对以上的现象进行约束。从监管上来讲,监管思路要求第三方支付的虚拟账户上不要有过多的资金沉淀,因为这样的资金不便于监管。   其实,微信支付因微信红包一炮打响的同时,也在“钱包”中设立了手机充值、信用卡还款、理财通、生活缴费等多种应用场景,但是其用户黏性一直较弱,更多的用户仍习惯到银行或支付宝完成类似应用场景的消费。   支付宝、百度钱包暂不跟进   在微信发布公告后,立即遭到了不少用户的吐槽,并称若微信收取提现手续费将转向支付宝等其他第三方支付机构。也有观点认为,微信此举是把用户推向了支付宝等第三方支付机构。   一位第三方支付的资深分析人士称,微信支付的竞争对手主要是支付宝,在支付宝没有采取竞争策略的情况下,微信支付的这个举措还是很冒险的,主要来讲,对于微信转账会有一定影响。   不过,上述不愿具名的银行人士表示,微信支付提现收费的举措并不会造成大量用户的流失。微信支付主要是基于小额、高频的社交转账支付,对于提现的需求本身比较少。在社交转账方面,微信占据了很大的市场地位,包括今年支付宝撒了很多钱,跟央视合作发红包,但事实上七成左右的红包还是通过微信支付来完成的。从用户来讲,不太会因为微信支付收了1毛钱的手续费,就不再使用微信支付了。   支付宝、百度钱包等第三方支付机构在用户转账、提现等功能上仍然坚持免费政策。昨日,支付宝方面向北京商报记者回应称,他们目前没有计划收取提现手续费。   “对于支付宝来讲,他们不收费是因为可以不走银行通道。” 上述不愿具名的银行人士说道。他表示,支付宝自身有依靠的线上清算的规则。但是根据第三方支付跨行支付的规定,原则上,这种做法是不被允许的,央行是不允许其有自身一套跨行支付清算规则的。现在监管层做出了一定的妥协,允许A类机构符合一定条件的可以向非个人转账,针对于一些比较大额的转账算是开了一道口子。   北京商报记者 崔启斌 岳品瑜 刘双霞相关的主题文章:

Two statements on the sale of commodities by COFCO subsidiary not pyramid selling is new marketing 武夷学院人事处

COFCO subsidiary network commercial dispute two issued a statement: not MLM is a new marketing subsidiary of COFCO two issued a statement: no direct marketing is not MLM is a new marketing each reporter Huang Li is "direct", "selling" or the Internet marketing model innovation? COFCO’s subsidiary company has been in trouble these days. Recently, many people call their circle of friends is a subsidiary of COFCO containing related goods and two-dimensional code poster shuabing. At the same time, a "COFCO also began to direct" news also spread crazy in the WeChat circle of friends, because of the temptation of words, so that many users worry about this, but also attracted the attention of the media. The enterprises involved COFCO subsidiary macro biological engineering limited liability company (hereinafter referred to as macro organisms) also at the moment is pushed to the opinion in the teeth of the storm. In February 18th, the "daily economic news" reporters linked to the macro market department biological Cui people, she told reporters that the company’s marketing activities did not involve direct sales and marketing, is a distortion of the company’s marketing, "may have been speculation." An industry insiders told reporters, identify whether MLM, to see whether the company can only pull the head, but not the product, and the payment is not how many products to calculate sales and marketing head pull much; if there is no intermediate links, no shop, selling only qualified enterprises in order to do. "If the macro biology is only rewarded through the recommendation of a friend, is not only a direct marketing or MLM, like" Fanxuan "marketing mode, this type of marketing, excellent step drops and other companies are doing." The new marketing model has been questioned by the public "new model of COFCO, Taobao to cry", "join the world’s top 500, do not invest a penny, COFCO is so capricious, their consumption, is your money"…… A sentence of attractive lines, with a pair of two-dimensional code containing posters, macro organisms WeChat marketing recommended Award activities quietly became popular in the circle of friends. It is understood that the macro bio self in the official WeChat launch promotion incentives COFCO healthy life "in September last year, users only need to pay attention to WeChat, enter the member center, click generate the posters to a circle of friends or friends such as WeChat group, through the poster in the company website after consumption, promote the company to obtain small reward. In order to understand the recommended reward activities, reporters by scanning two-dimensional code concerned about the WeChat platform, found that his account stored 0.88 yuan reward, after one yuan can turn out; at the same time, you can also generate your own posters through the member center, sent to the circle of friends. It’s somewhat similar to the direct marketing that had been popular in WeChat. However, recently there are users claimed that they buy goods has not yet received in the macro biological mall, and repeatedly contact customer service to no avail, the refund can not operate, then began to suspect that he encountered mlm. Recently, a macro biological suspected pyramid louder. "Daily economic news" reporter also tried repeatedly through WeChat public customer service phone contact to the company, but the phone is in the unable to connect. On Theory

中粮子公司网售商品起争议 两发声明:不是传销 是新营销   中粮子公司两发声明:不是直销不是传销 是新营销   ◎每经记者 黄丽   是“直销”、“传销”还是互联网营销模式创新?中粮旗下子公司这几天遇到了麻烦。   近日,多位人士称自己的朋友圈被中粮旗下子公司一幅含有相关商品和二维码的海报刷屏。与此同时,一份关于“中粮也开始直销了”的消息也在微信朋友圈疯传起来,因言辞极具诱惑力,让众多网友对此心生疑虑,也引来了媒体关注。涉事企业中粮旗下子公司中宏生物工程有限责任公司(以下简称中宏生物)也在一时被推至舆论的风口浪尖。   2月18日,《每日经济新闻》记者辗转联系到中宏生物市场部崔姓人士,她向记者表示,公司的营销活动并未涉及直销和传销,是对公司营销方式的曲解,“可能是被炒作的。”   一位行业内部人士向记者表示,辨别是否是传销,可以通过看公司是否只是拉人头,而没有产品,且计酬方式是以拉多少人头而不是销售多少产品计算;而直销的话,是没有中间环节,没有店铺,进行销售,只有有资质的企业才能做。“如果中宏生物仅仅是通过推荐朋友获得奖励的话,算不上是直销或者传销,只是一种类似‘返券’的营销方式,这种营销方式优步、滴滴等公司也在做。”   新营销模式遭公众质疑   “中粮新模式,淘宝要哭了”、“加入世界500强,不用投资一分钱,中粮就是这么任性”、“他们的消费,就是你的进账”……一句句诱人的台词,配上一副含有二维码的海报,中宏生物的微信营销推荐奖励活动悄然在朋友圈走红。   据了解,中宏生物自去年9月份在官方微信“中粮健康生活”上推出推广奖励活动,用户只需要关注微信后,进入会员中心,点击生成上述海报并发至朋友圈或微信群,如有朋友通过该海报在公司网站上消费后,推广者即可获取公司的小额奖励。   为了了解该推荐奖励活动,记者通过扫描二维码关注该微信平台后,发现自己账户存放了0.88元奖励,满一元后即可转出;同时,也可以通过会员中心生成自己的海报,发送至朋友圈。与此前已经在微信“流行”过的直销确实有些近似。   不过,近日却有网友爆料称,自己在中宏生物的商城买到了货至今仍未收到,且多次联系客服无果,退款也无法操作,随后开始怀疑自己是遇到了传销。近日,关于中宏生物涉嫌传销的声音也越来越大。《每日经济新闻》记者随后也多次尝试通过微信公开的客服电话联系到公司,但其电话均处于无法连接中。   至于上述部分消费者表示未收到货,也无法进行退款,在18日推出的微信中,中宏生物也对此做出了解释,“由于近期春节长假工厂停产和近期订单数量激增,导致本店部分产品出现售罄,我们正在紧急备货中,预计近期大部分货物可以补充齐全,敬请谅解!”   公司:并非直销或传销   值得注意的是,对于网上关于公司涉嫌直销或传销的传言,事实上,早在今年1月29日中宏生物就在其官网发布了声明,表示这些传言是对公司营销方式的曲解,“公司运维的微信账号从未涉及直销业务和多层次分销业务”,并称,将对恶意制造和传播不当言论者追究相关责任。   尽管如此,事件仍持续发酵,消费者关于直销、传销等传言仍一路扩散,中宏生物不得不再次出面进行了声明。   2月18日,中宏生物再次在微信平台发布公告,表示“上述宣传并不是我们编写的,与我们的实际业务也有很大差距,是对本服务号营销方式的曲解。”公告还对其业务作出介绍,“目前本服务号推出的是一种阶段性消费奖励活动。该活动大致内容为:关注服务号―生成海报―推荐给朋友―朋友消费,推荐者获得奖励、朋友获得消费优惠。”   针对种种质疑,《每日经济新闻》记者联系到中宏生物市场部一位崔姓人士,她向记者重申了公司的说法,“网上很多具有诱惑性的宣传并不是公司所写的,可能是部分活动参与者的行为,被炒作了。”   她认为,公司此次的营销推广活动并不具备网传的直销或者传销性质,“这是我们一个阶段性的活动,活动去年9月就开始了,已经比较早了,而且之前一些电商、团购也开展过这样的营销活动,并不是直销,只是最近被炒作开了;此外,我们的活动也并不符合直销的定义。”   一位原中粮人士亦向记者表示,曾在中粮集团就听说过这个子公司,“它的产品本身一直销量情况都不错。” 进入【新浪财经股吧】讨论相关的主题文章: