項目名稱:点石成金
黄金珠宝玉石保值升值特许营销服务
Value Assurance Service for Gold, Jade & Jewellery

有关我们这个保值与升值的营销模式, 请先看视频介绍会更了解 https://v.qq.com/x/page/n3038xp2ybt.html?vuid24=MXrTSgAfcSq4efYdarJvJg%3D%3D&ptag=2_7.8.0.20540_copy

项目摘要
本项目是一个特许服务：《黄金及珠宝价值保证特许服务》，解决了全世界黄金珠宝消费者与零售商的百年难题, 为黄金珠宝消费者做到梦寐以求的两大梦想 "保 值 与 增 值" , 为中外黄金珠宝零售业者与消费者两方, 创造了前所未有的全新价值。

《全新营销模式全球适用》
这是一个颠覆性的解决方案，应用近年先进的移动互联网技术[1]结合黄金衍生金融工具，成功研发了这一个 《价值保证特许营销模式》。 这个创新营销模式是以"黄金本位GOLD STANDARD"为价值指标, 能确保消费者所买的黄金珠宝产品于 12 个月内保证原购入的价值, 在一年后如黄金指标价下跌的话, 消费者可取回下跌价差……; 黄金指标价涨了消费者就当然因升值而可以得利,做到切底的价值保障兼享升值机会的作用。

简而言之, 消费者从有此保值服务的店中, 购买了黄金珠宝产品 (其售价与其他没有保值的珠宝店基本上是同价的前提下), 得到保证保值兼享升值机会,日后定必常往此店多买常买, 广发朋友圈, 店方生意滔滔, 不在话下; 我方作为在幕后的担保服务平台(授权保值服务方)及卖方(各零售店, 使用授权服务方)又不会因此而亏损兼稳赚, 构成消费者､各零售店与我方平台等三方皆赢的完美局面!

我方担保所带来的全部价格风险, 是通过在黄金期货市场的操作完全对冲, 所以不会因此而有任何亏损兼稳赚; 我方所赚的服务费, 是向使用此保值服务的店主于在线即时收取，不是直接向消费用家收的，其费用是隠含在售价里面的。而一般黄金与珠宝店的零售价, 内里是有很大让利空间, 就算付出了这笔保值服务费(约6%-8%, ), 仍然有厚利可图兼因此货如轮转 (黄金类每克零售利润50元 - 60元 / K金珠宝玉石类如按零售订价出售其利润是50%以上), 而且因为有了保值这张皇牌, 店方也必带来更多生意和利润, 相得益彰。

本项目在2020年一月中已落地试行成功, 未来市场覆盖中外, 无远弗届。





团队组成及背景
Team Composition and Background
团队主力由三人组成, 首席创始人, 周秉权(香港珠宝制造业厂商会前总经理)/黄锦雄(香港谢瑞麟珠宝有限公司前董事)/陈兆荣(专业国际珠宝展经理)〪我们三人在珠宝行业的不同岗位平均有20年以上的高管经验〪
The main force of the team consists of three people, Benson B.K. Chow (the chief founder and the former general manager of the Hong Kong Jewelry Manufacturers’ Association), Ken Wong (former director of TSL Jewelry Group) and Larry Chan (Jewelry Trade Show Specialist), who have an average of more than 20 years of senior executive experience in different positions in Hong Kong jewelry industry.
首席创始人周秉权先生作为香港珠宝行业主要商会的执行人, 自1988年便从事珠宝行业的重要角色, 领导及带领业界参与全球的珠宝市场开拓、产品研发､ 行业融资、推广招商的实战经验。周先生更直接参与中国内地最大的珠宝交易中心(华东国际珠宝城)的建设, 担任项目总经理, 对内地市场的认识和经验十分丰富。最近几年曾参与了商业保险项目的操作, 对金融风控有更深入的了解, 成功利用不同金融衍生工具开发出崭新服务助客户规避风险稳定收益。
Benson B.K. Chow, the chief founder, has been playing an important role in the jewelry industry since 1988 acted as general manager of the leading jewelry industry association. With more than 20 years of experience in diverse aspects of global jewellery B2B & B2C business, including brand building and development，broad product marketing and sales channels development, retail sales and marketing management, implementing of buyer rewarding program, customer retention and acquisition, budgeting, monitoring & evaluation, linkage negotiation, media coordination, facilitating world class meeting, seminar, exhibition and campaign and setup of the biggest jewellery trading centre in mainland China are complemented by his proven ability to successfully spearhead operations and colleagues. In recent years, he has a hand in the operation of commercial insurance projects, gains a better understanding of financial risk control, and successfully develops new services by using different financial derivative instruments to help customers avoid risks and stabilize returns.
周先生于1988-2004年的16年间, 曾担任香港今天最具规模的珠宝行业商会《香港珠宝制造业厂商会》的创会经理〪对国内外, 以至全球黄金及珠宝产业均有深入了解，对行业的结构，市场运作模式和痛点所在, 行业风险，竞争力优劣势态均了如指掌。周先生在这16年间, 曾为数百家会员企业组织了超过120次的全球市场拓展活动，足迹遍及全世界36个先进及发展中国家和地区，间接为香港珠宝行业每年带来数以百亿计的商业收入，建树良多，有目共睹，深得海内外行业领袖的肯定和赞赏。
From 1988 to 2004, Benson serves as the founding manager of the largest jewelry industry association in China. In terms of the global gold industry and gemstone industry, he is familiar with the structure of the industry, the market operational mode and the pain points, the industry risks, the industry advantages and disadvantages of competitiveness. During the past 16 years, Benson has organized more than 120 global market development activities for hundreds of member enterprises, covering 36 developed and developing countries and regions all over the world, which indirectly brings tens of billions of business revenue to Hong Kong jewelry industry every year. It is well known that he has made many achievements, which wins the recognition and appreciation from industry leaders both at home and abroad.
周先生在过去曾亲自创设多项行业首创的服务予珠宝业界，主要计有:
① 无抵押黄金借贷服务
② 无抵押全球珠宝入岀境保税担保(ATA单证担保函)服务
③ 在东盟10国中, 在柬埔寨创造首个【免税】国际珠宝贸易交易会, 至今为止仍是东盟内唯一的免税国际珠宝贸易交易会〪
Benson has also created a number of pioneering services for the jewelry industry in the past, including:
① Unsecured gold loan service
② Unsecured jewelry temporary importation guarantee service
③ Hosting the first and unique duty-free international jewelry trade fair in Cambodia among the 10 ASEAN countries, which is still the only one up to now.
周先生于2004年年底首次创业成立【厚德堂有限公司, 其后改名为世界博览会有限公司】并先后在越南及柬埔寨举办其国内首个国际级珠宝贸易交易会,其后陈兆荣先生也加入交易会管理团队
Benson B.K. Chow founds World Trade Fair Limited at the end of 2004 and holds the first international class jewelry & watch trade fair in Vietnam and Cambodia. Later, Larry Chan joins the management team of the fair.
黄锦雄先生乃谢瑞麟珠宝前董事(1992-2007)对黄金与珠宝零售市场有充份了解和实操经验,在离开谢瑞麟珠宝之后,在中港两地从事黄金首饰批发业务〪
As the director of TSL from 1992 to 2007, KEN Wong has the extensive knowledge and experience in the jewelry retail market of 24K gold jewelry and fine jewelry. After leaving TSL, he is engaged in the wholesale business of gold jewelry in Hong Kong and Chinese Mainland.

项目摘要
Project Summary

a) 这个项目解决了全球各地黄金与珠宝市场其中两大主轴, “消费者”与“黄金珠宝零售者”的百年痛点〪
This project solves the centuries-old major pain points of “consumers” and “retailers”, who are the two major segments of the global gold and jewelry markets.

b) 大多数消费者不敢多买常买黄金及珠宝，因怕被绑被套，恐怕买后价格一路下跌，没法保值，更也谈不上升值了﹍这是消费者的其中一个最大痛点！
Most consumers do not dare to buy more or often buy gold, jewelry and gemstone commodity is afraid that the price falls after buying and cannot maintain the its value and worth of money, price appreciation is rare, which is the main pain point of consumers.

c) 在黄金与珠宝零售经营者而言, ①黄金业务也因黄金价格经常上下反复, 令买金饰者兴趣大减,大多数只在有需要时才买一点, ②珠宝产品的零售价格, 从来没有一套公开易明的准则让消费者容易看得懂兼靠谱的价值计算方式,而且也没有一套完整的论述可以被信赖为可以保值或升值﹍, 凡此种种, 令零售经营者的业务没法提振, 大家只能斗价钱抢生意, 将经营利润一再缩小﹍
From the point of view of gold and jewelry retailers, fluctuations in the price of gold greatly reduces the interests of consumers, most of whom only buy when there is a need. There have never been an open and transparent index for the value of the jewelry and gemstone products that consumers can easily understand and rely on, and a complete statement that can be trusted to preserve or appreciate value. The above situation has left retailers with no way to boost their business, forcing them to continue its price war with competitors and shrink profits as the result.
d) 我们这个项目的研发成果就是一服王道解药 !
This business model is a perfect solution to these problems.

e) 这是一个具颠覆性兼划时代的解决方案，以《国际金本位制度》为核心所本, 经两年深入反复推敲研究、测试和实验证明，采用近年的互联网技术及区块链技术结合黄金风险对冲工具，成功研发了这一个【黄金与珠宝价值保证的商业模式】。这个划时代的创新商业模式能保证消费者所买的黄金与珠宝，于12个月内，保证保值, 下跌的话, 可取回下跌价差之金钱, 还可以年年延续保值〪假如国际黄金价格涨了, 其所购的黄金与珠宝之价值也水涨船高, 消费者就当然开心兼可获利﹍岀来的效果尤如买后只赚不赔…定必大受消费市场欢迎.
This is a disruptive innovation and epoch-making solution. Based on the international gold standard system, after years of in-depth and repeated research, testing and experiments, this value-preserving marketing model of gold, jewelry as well as precious and semi-precious stones is successfully developed by using the combination of modern advanced internet technology, blockchain technology and gold derivative hedging instruments. It guarantees the gold, jewelry as well as precious and semi-precious stones bought by consumers will be guaranteed value for 12-months, and is extendable if needed. Our service is to assure the product prices assured on the date of purchase between consumer and retailer. The aim of the service is to safeguard consumers against a potential fall in gold prices/value; at the same time, able to benefit from any potential rise in gold prices. With this unique advantage, retailer will attract more consumers to buy gold, gems and jewelry because of price assurance for one year. If price fall, we will pay back (cash money) direct to consumer of the difference between buying price and falling price.
In the case of the rise in international gold prices, the value of the purchased products will also rise, and consumers can certainly earn cash rebate – the amount of value appreciation. The application scenario of this business model is protecting the consumer of their purchases will only benefit from value appreciation and not suffer any losses of devaluation, which will certainly be welcomed by the global consumer market.

f) 我们以《国际金本位制度》为核心所本, 是因为黄金价格不会受某些国家,个人或组织所操控或影响, 完全是按国际市场供求规律和市场风险而厘定, 最具透明度及全球公信力〪众所周知, 在国际金本位制度下，黄金具有货币的全部职能，即价值尺度、流通手段、贮藏手段、支付手段和世界货币。回顾历史, 美国在1971年石油危机期间，时任总统尼克逊（Richard Nixon）放弃国际金本位制度，令美元大幅贬值，但其后一直有声音要求恢复制度。其中，最著名的要数1981年时任总统列根（Ronald Reagan）成立黄金委员会，研究将美元和黄金重新挂钩的可能性，而委员会当年最终建议维持现状。反观近20多年来, 各国货币竞相贬值, 黄金储备在各国财政储备中占了越来越重要地位，数量也越存越多〪一方面是出于对本国汇率的保障，另一方面则是据此对冲由美元贬值带来的损失。而在流动性市场上，黄金依然有着广泛的需求，依然被视为储藏财富的一种可靠方式。
The reason of taking the international gold standard system as the core is that the price of gold is determined completely in accordance with the laws of market supply and demand and market risks, without the manipulation or influence of some countries, organizations or individuals, which has the most transparency and global credibility. It is generally known that under the international gold standard system, gold has all the functions of the currency, including the measure of value, circulation means, storage means, payment, world monetary. In retrospect, U.S. President Richard Nixon abandoned the international gold standard system in 1971 during the oil crisis, causing the dollar to fall sharply. Since then, there have been calls for the restoration of the system. The most famous is that President Ronald Reagan's establishment of the gold committee in 1981 to examine the possibility of re-linking the American dollar to the gold, which ultimately recommended to remain the status quo. In contrast, over the past 20 years, the currencies of various countries have depreciated one after another, and the gold reserves have played an increasingly important role in the fiscal reserves of various countries, and the amount is also increasing. On the one hand, it is to protect the domestic exchange rate. On the other hand, it is to hedge against losses caused by the depreciation of the dollar. Considered as a reliable method to store wealth, gold remains in widespread demand in the liquid markets.

g) 目前本项目营运系统的设计模板已基本完成, 并已经在香港测试运行成功, 正与内地两家国有控股的珠宝及钻石交易中心洽谈, 在2020年内为他们建立一个保值交易平台,与此同时, 我们也需要建立起一套合适内地法规的交易系统, 才可以在内地推出此服务, 因此今天需寻找投资人投入更多资金, 助我们發展及建设这个达到银行级安全可靠的保值交易系统, 才可正式推出市场〪
The blueprint of the operation system design for this project is basically completed, and the trial run in Hong Kong jewelry shops was successful. We are looking for early stage investors to invest more funds in the development and marketing of this innovative fintech exchange system at bank security level.

项目亮点
Highlights of the Project

a) 服务覆盖全球黄金与珠宝产业
开宗明义, 我们这个划时代的创举, 或许会改变这个全球产值3485亿美元产业的生态, 解决了全球黄金与珠宝产业百年之大难题, 让黄金与珠宝真的是“宝”兼真的可以做到“保值”的伟大梦想。
This innovative value assurance service covers the gold, gems and jewelry retail business across the country.

Making clear the purpose from the very beginning, our epoch-making initiative may change the ecology of the gold, gems and jewelry business with an output value of 248.5 billion dollars and solve the century-old major problems of the gold, gems and jewelry retail business, thus making the gold, gems and jewelry really “precious” and realizing the great and long-waited dream of “the preservation of value”.

b) 正如上述所提, 这个服务之理论是以【国际金本位制度】为轴心, 应用国际黄金衍生工具,如:期货期权,作为黄金类商品价格保障之对风险冲操作机制; 但在非黄金类的珠宝商品, 在全球是没有任何价格保障的市场机制, 因此我们在这个项目中, 做了前无古人的创举,将数以千计不同的珠宝商品(含钻石､翡翠玉石､珍珠､宝石及半宝石等等)的相对市场零售价值与黄金价格挂钩，通过黄金大数据及我们所研发的方程式精算后, 给予不同之黄金加权系数, 演化成可以做到价值保证的商品。
As mentioned above, on the theoretical basis of the international gold standard system, this service is an application of gold standard as a risk hedging mechanism to protect the value of gems and jewelry products by using the international gold derivatives.
However, for gems and jewelry products, there is no market mechanism of value guarantee on a global scale. Therefore, in this project, we have done something unprecedented, which is to link the relative market retail value of hundreds of different kinds of fine jewelry, diamonds, pearls, gemstones and semi-precious stones commodities with the gold price. By actuarial calculation of special equations developed, different weighting coefficients are given to evolve into commodities that can achieve value assurance.

a) 其中重中之重, 必须向大家先说明这个价值保证的背后操作和市场理论是什么, 才能理解其可行和可操作性, 及如何发扬光大〪
The most important is to illustrate the operation and market theory of this value guarantee, so that everybody can understand its effectiveness and maneuverability, and finally carry it forward.

b) 概括来说, 主要就是利用黄金市场, 透过套期保值买卖作为保值操作手段，并以《国际金本位制度》理论作为研发本项目商业模式之根本依据所在。
Generally speaking, it is mainly to make use of the international gold futures & options market, as a means of hedging of price fall and rise, and take the theory of "international gold standard system" as the fundamental basis for the research and development of this project’s business model.

c) 至于上述套期保值买卖的操作, 是如何应用在黄金与珠宝的价值保证服务上〪在日常营运的场景里, 我们通过自家研发的APP (小程序) 与授权特许使用本服务之黄金珠宝店连接, 每当有客户询价时, 店主在该商品的条形码扫一下，在两三秒瞬间，便可得知该商品保值所需费用和建议零售价等信息, 让店主可立刻响应店内顾客这件货品的零售价是多少, (在整个交易过程中，店主是无需透露这个售价中保值服务所占比例和金额) 双方可以瞬间完成交易, 过程中店主没有任何繁琐复习的计算或操作(上述的操作模式与效果, 也同样可应用于在线售卖的商品)。与此同时, 我方的电子交易与风控后台, 是同步与相关的黄金期货期权交易所的交易系统连通, 并经常持有一定数量的黄金期货期权合约, 在通过平均成本法及自定义之商品加权系数等运算后, 通过我们的电子数码交易系统, 演化成每张等值0.001克黄金的区块链合约, 用以向店方发出凭证, 担保其所售之商品卖出给消费者时之价值保障合约, 这个区块链合约是用程序写成的智能合约，不会被窜改，会按保值期限合约自动执行，在到期日计算保值/升值所得金钱, 还可搭配其他关联交易。上述的区块链合约在店主与顾客成交的一刻, 我们的后台会向店主及其客户发出电子保值保证凭据, 并同时在在线实时向店主收取有关保值所需的所有费用〪
As for the application of the above operation in the value assurance service, we connect with the franchised retail stores through the APP developed by ourselves in daily operation.
When a customer makes the inquiry at the store, the store sales people just need to scan the bar code of the item, within a few seconds, the sales people will know the price information such as the cost of preserving value and the suggested retail price, which allows the store sales to tell the customer the retail price immediately and complete the deal instantly. (The store people are not required to disclose the amount of the cost for the value assurance service.). There is no need for the store sale people to perform any complex and repetitive calculations or operations. (The above operation mode and effect can also be applied to goods selling in online shop). Upon receiving scanned data from the store, our electronic trading and risk control system can automatically and synchronously calculate the hedging cost of each transaction, which is direct connected with the trading system of the relevant gold futures/options exchange. In addition, once the transaction is completed, our backend administration will send this blockchain contract to the store and customer, as well as collect all relevant value assurance fee from the store owner via real time transaction. At the same time, our electronic trading and risk control background is synchronized with the trading system of the relevant gold futures options exchange, and often holds a certain number of gold futures/option contracts. After calculation of the product weighting factors, etc., through our electronic digital trading system, each blockchain contract with an equivalent value of 0.001 grams of gold is used to issue contracts to the store to guarantee value that the goods sold to consumers are under this value protection contract. This blockchain contract is a smart contract written in a program that will not be tampered with. It will be automatically executed according to the value-assurance contract on the expiration date, and able to connect with other deal instructions.

d) 简单来形容, 上述的售出的商品有了价值保证, 犹如人们买了人寿保险, 被保人过逝(在指明的期限价格下跌了), 其保单受益人便得投保时所订明的全额理赔保金 (价差的全部金额)〪
The simple explanation is that a value guarantee is similar to a life insurance policy. When the insured passes away (the price falls within the specified period), the beneficiary of the policy receives the full amount of the claim (the full amount of the difference) stated in the insurance.

e) 据我们所了解，这个创新商业模式是全球首创的，是没有对手的独角兽企业模式。因为这个项目对消费者而言，概念上相对是很简单，就是买入有此价格保证服务的黄金与珠宝商品，就能得到价值保证, 兼可年年延续。对珠宝金店而言, 使用这个价格保证服务势必将吸引大量消费者及黄金投资爱好者, 常买多买其店内的黄金与珠宝,生意滔滔, 不在话下。关键在于珠宝金店使用了我们这个价格保证服务, 并不会令他们的价格竞争力下降, 或竞争优势低于一线连锁品牌〪 相反地, 他们用了这个价格保证服务后所付出的成本加上其原来该产品的订价之总和零售价格, 既不会贵过一线连锁品牌相同产品的零售订价(举例: 在中国内地市场的一线与二､三线连锁店品牌的足金产品价差约为每克40-60元人民币之间), 但有了一线连锁大品牌所从来没有的《价值保证》这张大皇牌, 造就授权使用这特许服务的金银珠宝店有跨越式的营销竞争力大幅度提升, 更重要是同时为全球金银珠宝消费者, 实现他们最向往的两大素愿【保值】与【升值】!
It is understood that this innovative business model is the first of its kind in the world, so it is a unique business model without rivals. The project is relatively simple for consumers. In other words, as long as consumers buy gold, gems and jewelry products with this value assurance service, they get the value guaranteed, and is extendable if needed. For retailers, using this value assurance is bound to attract a large number of gold, jewelry and gemstone stone lovers to buy more goods in their stores more frequently. The key is that the retail stores using our value assurance service will not reduce their price competitiveness or make their competitive advantage lower than the top branded chain-stores. On the contrary, the total price that the price of the service plus the original price of the product will not be higher than the retail price of the same product of the top branded chain-stores, but they have the advantage of “value guarantee”, which has never existed in the current top branded chain-stores, resulting in a significant increase in the marketing competitiveness of our authorized franchise chain stores. More importantly, it realizes the two greatest desires for consumers, which are VALUE-PRESERVATION AND VALUE-APPRECIATION.

f) 环顾今天在全球各国的黄金与珠宝金饰消费市场,是没有价值保证这一回事〪今天买下, 明天下跌了是没有任何保值保证的, 价值下跌风险是消费者自行承担的〪上述这个创新商业模式既有利消费者，更对特许使用此价格保证服务的珠宝金店带来更多生意, 自不待言!
In today’s global gold, jewelry and gemstone stone consumption market, there is no value guarantee, and the risk of falling value is borne by consumers themselves. This innovative business model is not only good for consumers, but also brings more business to retailers franchised to use this value assurance service.

g) 由此而推论, 当我们在进入市场的首阶段, 通过物色2至3家属于二､三线的黄金珠宝连锁品牌,将此服务以特许方式给予他们的连锁店使用, 预期首两年纳入的连锁店数量约为1000至2000家, 让此服务能迅速进入市场兼快速扩展。我们认为此保值服务通过适当的推广宣传, 必将大大加强这些特许连锁店的综合竞争力, 大幅提升销售额兼利润, 广受品牌连锁店和消费者欢迎是指日可待的。Therefore, it can be inferred that in the initial stage of entering the market, we are planning to licensing this service to 2 or 3 second and third-tier branded jewelry chain-stores, so that the service can enter the Chinese mainland market quickly. It is expected that the number of each branded chain stores will be about 1000 to 2000 in the first 2-year. We believe that through appropriate promotion and publicity, this unique service will greatly enhance the comprehensive competitiveness, thus significantly increasing the sales and profits. The popularity of branded chains and consumers is within reach.

h) 最后说明一下我们的业务收入, 主要是体现在以下四个方面的〪①保证保值服务费是按次按黄金重量(克)等值计算的【例如:某珠宝商品成交价是3500元, 成交当天黄金是每克350元, 那么这件商品就按10克计算费用 】, 按每克收取约5元人民币 (不含套期保值所需支出, 一般情况约为每克10-13元), 直接向店主在在线收取, 预期占整体收益的70%-80%; ②在线代售商品的佣金, 是按次按售价计算的, 也是向店主直接在在线收取, 预期占整体收益的10%-20%; ③在线商品的广告费, 预期占整体收益的3%-6%; ④保值期延续的服务费, 是向消费者直接在在线收取,预期占整体收益的5%-10%〪
In the end, the business income is mainly reflected in the following four aspects.
(1) The service fee is calculated by the weight in gram(For example: the price of a certain jewellery product is 3500 yuan, and the gold price on that day is 350 yuan per gram, then the cost of this product is calculated at 10 grams], about 5 yuan (CNY) per gram, which is directly collected from the store owner online, accounting for 70%-80% of the overall incomes;
(2) The commission of goods sold online is calculated according to the retail price and also collected from the store owner online, accounting for 10%-20% of the overall incomes;
(3) Online product advertising fees account for 3%-6% of the overall revenue;
(4) The renewable service fee for value assurance service, which is collected from the consumers online directly, accounting for 5%-10% of the overall earning.

i) 在上述业务全面推开后, 单在中国内地市场,每年获利预期(税前溢利)至少在30亿人民币以上，如在全球推开, 每年预期更在百亿美元以上不是梦，前景十分远大！
After the full implementation of the above business, in the mainland Chinese market alone, annual profit expectations (pre-tax earnings) are more than 3 billion Yuan. If we extend it to the whole world, the profit is expected to be more than 10 billion dollars every year, with a very broad prospect.
创业项目找投资，打算出让股权融资，有实力的投资公司，个人投资者，可到公司考察，详谈具体合作。

已筹建公司，有了核心团队和项目方向，但还没有进入市场或已进入但没有明确的市场数据