Reborn multinational giant

Remember one night more than a year ago, while he was on a long journey, he was eating and resting at a frequented restaurant. While he was drunk, a car buddy picked up his mobile phone placed on the table and brushed his payment pass. Because he opened his fingerprints for payment, the thief didn't even succeed in grasping his formalities several times.

The next day, Xu Jun received a call from Alipay customer service saying that he had recently performed several abnormal fingerprint payments and confirmed that it was not his own operation.

Xu Jun checked the surveillance of the restaurant before he knew that the thief was brushing the payment by his own hand. Later, he understood what a friend in the art said. Although the payment by the fingerprint appeared to be a fingerprint, the angle of the fingerprint, the pressure level and so on were recorded every time.

Normal people use fingerprints for long periods of time to pay. The angle and intensity are the same. There are traces to follow. If someone is forced to pay by finger or angle, etc., the payment account will enter an abnormal state after many times. Any suspicious operation involving the amount will be locked and frozen.

Xu Jun was stunned at the time. He did not expect that there was such a deep technical knowledge behind a small operation based on fingerprints. Since then, Xu Jun's trust in the security of Alipay has grown dramatically. Even the bank card money has been transferred by Xu Jun to Alipay's Yu Bao.

On the debit interface opened by Xu Jun, he showed whether he was authorized to open the debit function. Opening the function is equivalent to acquiescing to being registered as a user of a micro bank.

Xu Jun opened it without even thinking about it. He is in desperate need of money without saying it. He also believes that paying such a large national to pay for the software would not deceive him.

After Xu Junpoint's authorization was opened, his loan limit was calculated on the page, 100,000!

Xu Jun looked at the number and froze. 100,000! He actually has a loan limit of up to 100,000. He just looked at the user agreement and borrowed money from the borrower. There is no need for collateral and no need for collateral. He just needs to pay a certain amount of interest when he repays.

The lower line of the line on the interface is very clear. The daily interest rate is 0.015%, which is equivalent to paying 15 cents per day for borrowing 1,000 yuan, and after calculating 100,000 yuan, paying 15 yuan per day.

To be honest, Xu Jun doesn't think that the interest of $15 a day is expensive. After calculating, he has only $450 a month, and only $6,000 a year. The annual interest rate is 6%, which is just over 1 percentage point higher than the annual interest rate of just 4 points for most bank loans.

However, bank loans can be secured or collateralized by various documents, and the processing process is quite complicated. In contrast, loans like loans without collateral and unsecured loans, the annual interest rate in the market is all up to 6 points, some high up to more than 10 points.

Xu Jun was moved. The interest of 450 yuan a month can be earned for months by running a train on his own. Then why not borrow money to buy the truck that he misses first?

Xu Jun started borrowing money according to the operation instruction on the interface. Because it was the first time he borrowed money, the security verification of Jiaotong was stricter. He was asked to enter the mobile phone verification code, ID number, face recognition, etc. After 5 minutes, after running all the processes and tapping to confirm the loan, the interface turned into a presentation of successful loan.

Xu Junpoint paid for the "My” column. The balance above has become a conspicuous 100000.00!

Xu Jun suddenly borrowed it?

Xu Jun felt that it was a bit incredible. In the previous half month, he tried to do everything in his head to make up for the 80,000 yuan difference in the car. Now, in less than 10 minutes, he borrowed 100,000 yuan from Paid-Town.

A hundred thousand yuan, for most ordinary people, this money is not a decimal amount, and the payment in such a short time, generously lent itself.

Xu Jun's inner feeling of goodwill towards Paid Tong rose to an unparalleled height.

“Fang Zhe is the richest man in the world. Borrowing money is delightful and generous!"

Xu Jun innerly attributed all this credit to Paidong and his master, Fang Zhe. As for Fang Zhe, who is his own age, Xu Jun admired him as much as other young people!

Xu Jun smoothly borrowed money from Payment Pass to buy the truck that he remembered. What he did not know was that Payment Pass could give him a loan of up to 100,000 yuan, precisely because he and his old woman often used to pay for all the flowers or buy things.

In addition, Xu Jun often transferred his earned money to Yu Bao to eat interest. As a result, Xu Jun paid the loan amount of up to 100,000 yuan to him through large-scale data means.

Of course, for most users who do not often default on flowers, credit cards, etc., often consume online, and have a certain income capacity, or WeChat payment users, the amount of loans they are borrowing may not be as high as Xu Jun, but the loan speed and efficiency will certainly be faster or almost the same as his.

Apart from the words such as micro bank and micro loan, many careful internet friends who use borrowing skills checked these words online before realizing that the money they borrowed from the borrowing was actually borrowed from the newly established micro bank. The relevant agreement was the micro loan business agreement of the bank.

After seeing that the bank's first major shareholder was Payment Connect, which accounted for 40% of the shares, the internet friends completely relaxed. Many of them, like Xu Jun, might not be worried about some messy third-party companies, but they absolutely trusted Payment Connect, a national-level payment software company.

In just one week of its existence, Micro-Banks registered more than 1 million users and successfully applied for loans and loans to more than 100,000 users, with a total loan amount of more than 2 billion.

The smallest amount occurred to a junior high school student in Nanyun Province. She borrowed 10 yuan to return it to her classmates. The largest amount occurred to the owner of a fabric processing plant in Jiangzhejiang Province. He borrowed 300,000 yuan for the turnover of funds in the plant.

10 yuan and 300,000 yuan, respectively, are borrowed, that is, the minimum borrowing amount and the maximum borrowable amount of the microlending business. At a lower rate, borrowing such a low interest rate has no statistical calculation, and at a higher rate, it does not comply with the business guidelines of the microlending business for individuals and small and micro-entrepreneurs.

A million registered users a week also let borrowers and micro banks circle. Many payment users who did not notice or notice that they had not borrowed or seen it before, were curious to open their own borrowing. Most of them did not want to borrow money or anything, but simply wondered what their borrowing amount was, to evaluate their value and status in the eyes of payment.

Just like when flowers first came out, everyone was showing off their flower quotas online and in circles of friends. Now they are borrowing quotas and becoming one of the ways that many online friends inexplicably show off.

“Lao Fa Piao Credit of 28,000, loan of 120,000, you actually pushed 9.9 free sneakers to Lao Jing, Taobao you do not despise Lao!" An online friend watched Taobao page push the product spit out of the groove, Mali added these shoes to the shopping car.