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疫情下的酒店
2019年开始直到2022年的当下，新冠疫情严重影响着我们的衣食住行。根据酒店网数据显示，全国各地酒店、宾馆的入住率平均跌破40%，个别受到疫情严重影响而封城的地区出现持续30天以上的空房期，旅游城市更是受到最为严重的寒冬。
酒店、宾馆的异业收入
目前酒店行业可开发的异业合作项目，基本处于低收入服务类产品，如共享充电宝、足浴盆、酒店盒子、无线平台等，项目类别单一，且这些项目会与店内的销售项目有冲突。最主要一点，这类产品的利润非常低，基本盈利不足客房单价的10%，持续性基本为零。众多的异业项目不仅不能为酒店经营者带来丰厚的利润，反而是增加的酒店的运营成本。
酒店、宾馆共享充电宝的利润基本在1元/小时，实际客户使用时长在2小时以内，单一客户收入一般在2元以内，日均使用总消费客户一般不会超过20人，也就是说共享充电宝单日收益一般在40元左右，月均1200元。这些收入应该是扣除成本的最终利润。
酒店盒子目前市场消费状态依然低迷，最主要的原因是与酒店内销售的产品存在竞争及利润侵蚀的原因。酒店本身内部就可销售众多产品，为何要使用分润较低的酒店盒子来侵占酒店自身利润呢？这就是目前众多酒店、宾馆行业经营者拒绝酒店盒子产品合作入住的最主要原因。
共享足浴盆、共享网络的客户使用情况就更差了。其实这些合作项目都存在一个共性：销售设备或产品，代理抽取高额利润，酒店、宾馆只赚取低额的利润，并且要进行设备的维护和看管，承担相应的设备运营费用。
酒店、宾馆行业异业合作的未来
酒店、宾馆行业的异业合作首先要结合大的社会背景进行选择。目前受到新冠疫情影响，社会整体经济环境低迷。酒店的收入受到入住率低迷的影响，再加上疫情特殊情况的封城，更加大了经营者的营业风险。此时酒店、宾馆行业的经营者就应该在保证自身客房收入的情况下，选择投入低、运营成本低、自身风险为零且收入较高的产品进行异业合作的开发。
信贷产品的酒店异业合作项目应运而生
酒店、宾馆经营者着投资：0元
收入：单一客房单笔最高收入5000元
合作风险：0
结算方式：秒结账
目前信贷资金需求已经成为疫情影响下的最大需求，众多行业人员都会通过信贷产品来支撑自身的衣食住行及业务发展。恰好酒店、宾馆的入住客户群体一般是自身条件中等的长期差旅或者经营客户群体，处于社会的中坚力量，所以客户自身条件优越且资金需求比较大，满足信贷行业客户群体的要求。
在酒店、宾馆行业信贷产品异业合作中，酒店、宾馆自身就等同于金融机构的信贷业务员，入住客户就相当于信贷业务员的客户，入住客户通过扫描铺设在客房内的场景广告码牌，自主选择申请贷款。当客户认同产品利息及借贷期限后，并成功放款后，金融机构会将该笔成功放款的佣金直接打到酒店、宾馆行业经营者的账户，实现异业合作的最终收入。
一般金融机构对酒店、宾馆行业的佣金比例为放款额度的2.5%，单笔客户一般最高放款20万元，单笔客户经营者最高收入5000元整。
数据如图：
酒店收益数据
信贷产品与酒店、宾馆行业的关系
这两个行业的合作是相辅相成的关系。金融机构需要稳定的放款输送，酒店、宾馆需要最大化的产生客房产值。同时双方都能为客户提供优质、完善的服务。
很多酒店、宾馆经营者担心合作金融机构会承担客户借款违约的责任。其实这方面是不必关注的。酒店、宾馆只相当于整个业务过程中的金融机构业务员，有哪个金融机构会要求自己的信贷业务员承担客户违约的责任吗？当然不会，金融机构要的的持续、稳定的放款业绩，至于客户违约还款的风险，金融机构会承担借贷放款的风险，并通过自身的风控部门进行相应的管理。
共享异业合作的未来
其实无论是金融机构，还是酒店、宾馆行业的经营者，在疫情肆虐的背景下都在竭尽全力的满足社会群体的需求，保证自己业务的平稳，提升更好的服务，赚取更大范围的市场。
祝大家2022年平稳发展，感谢关注。
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#2022生机大会##我们的十年故事#? 目前养殖业在农村还算是一个不错的选择。种植粮食是大家公知的事不赚钱，而养殖业，因为现在人们生活提高了，讲求生活质量，鸡鸭肉鱼禽蛋类销售极大…
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2022中国最赚钱的10大企业，5家是银行！盘盘中国银行业赚钱真相
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前几天发了文章《中国人的房贷真相》，里面专门提到“按照平均贷款年限25年计算，四大国有银行仅靠房贷就能赚18.41万亿利息”。 不少朋友对此深感震惊：“啊？！知道银行能赚钱，但真没…
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冬日赚钱好项目，中吉板栗自动售货机，小成本撬动大收益！
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气温骤降，严寒来袭！ 冬天街头什么最诱人？ 那必须是“糖炒栗子”！ 闻着一阵阵飘过鼻腔的焦香味 哪怕寒风再强劲，也吹不散 缩着手、跺着脚等栗子的人们~ 把热乎乎的栗子捧在手心里 一…
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疫情期间，在家就能做的兼职，五个网赚项目推荐
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现在疫情一直反反复复的出现，有人面临失业，有人面临工资降低，甚至是被隔离在家，整个处于入不敷出的状态，做副业也成为了现在人们的刚需，首先是为了提升收入水平，减少压力，其次就是那些在…
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财富信号！2023一号文件解读未来5年，这3个行业发展强劲有前景,2023年在农村做什么生意最赚钱最长远呢!
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财富信号来了！ 2023年一号文件透露出未来5年的3大前景行业，把握住其中任何一个，你都有可能实现人生逆袭。 第一，预制菜。 2023年一号文件历史首次提出“要培育发展预制菜产业”…
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未来十年，适合普通人的赚钱6大行业在这里
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女怕嫁错郎，男怕入错行，未来十年，这6大行业，大家一定要注意了，就算你不创业，找工作也可以往这个方向去找，因为这些行业的工资也会越来越高。 我说的不是新能源、人工智能、芯片等等这些…