Reborn Super Bank System

soon.

Finished talking.

Tang Qing got up, walked to the floor-to-ceiling windows, looked at the scenery of half of the park, and took a sip of hot tea.Huabai, borrowed, was born five years early.

Premature?

Do not.

exactly.

The popularization of the mobile Internet has intensified the development of e-commerce. Such financial services became available after the credit system gradually matured and the policy opened up.

Obviously.

with his help.

4G.

Come out five years early.In the previous life, in 2013, 4G commercialization started in China, but in this life, 4G licenses were issued two years ago.

Simultaneously.

Smart phones in the true sense came out three years earlier, and the era of thousand-yuan smart phones is almost four years ahead of schedule.

therefore.

It is not premature.

...

future.

Ali has one more way to make money. It won't be too much in the beginning, but the snowball is getting bigger and bigger. It is no problem to earn 3.5 billion a year.

and.

This is the domestic market.

Plus abroad.

If it develops well, it will be a huge number in one year. Although tens of billions are a bit overhanging, it is still conceivable that tens of billions are eight billion.

in fact.

He can also do it. For example, the lending institution, which is the original investor, uses a small financial service group instead of Ali's Ant Financial.

but.

But still gave up.

the first.

We are Ali’s largest shareholder anyway, and we are all involved in everything, making it seem like we have no way of making money. Second, it is really not very attractive.

Ten billion.

Is it too much?

The unit is still RMB.

third.

Tang Qing is actually doing it, Xiaoxiao, WeChat, and Toutiao...Personal lending on these platforms naturally uses his loan company.

just.

It does not involve consumer finance such as Huabei. Moreover, information sharing, such as borrowing from Ant Financial, will reduce the quota in Xiaoxiao Financial.

In short.

All to avoid expanding debt.

otherwise.

Someone borrowed too much and couldn't pay it back, and conversely scolded the platform shouldn't lend him so much money. Such things will happen 100%.

Helpless.

Nor can it be said that the other party is wrong.

after all.

Just like a piece of cake, it dangling in front of others, making people mouth-watering, and finally couldn't help but take a bite, and later regretted it and said that you took food to hook him.

strictly speaking.

That's right.

but.

Therefore, this kind of commercial behavior cannot be denied.

To this.

All he can do is to control the scale, mainly to solve the embarrassing problem of small and medium-sized funds. In addition to controlling the risks of borrowers, he also controls his own risks.

...

at this time.

Jingdong Baitiao has already begun preparations, and it will go online within a month. After all, behind it, there is a powerful ERV.

money.

No shortage.

ERV Commercial Bank has already opened a branch in China, but its reputation is not obvious because it has fixed deposit restrictions like other foreign banks.

Per pen.

Five hundred thousand yuan.

therefore.

Ordinary customers are out of reach.ERV owns more than 40% of JD.com's shares. JD.com wants to borrow. It is not too simple.

technology.

No more problems.

Ok!

it is good!

Tang Qing likes it more and more, this kind of'stroke between left and right', but it doesn't seem to be counted, because the groups of the two sides are not the same.

and also.

ERV is the penguin of major shareholders.

this time.

It's nothing. The sense of existence of Weixindai, even in the previous life, is too low. In this life, WeChat has been taken over by oneself.

Well.

There is no need for Penguin to blend in. Its positioning is still in the game. With ERV's game development support, Penguin can be the first in the domestic game industry.

...

Thirty-one days.

Early morning.

Alipay update.

"Flower? What is it?"

Quite a few people were puzzled. They clicked in and took a look. They quickly understood what was going on, "This is not a credit card, but an electronic credit card."

Immediately.

Many people see the essence.

then.

Holding curiosity.

Fill in the information according to the process and submit the application. Almost an instant, the quota came out. The speed was so fast that many people shouted:

"So fast!"

then.

I saw my quota.

"Five thousand?"

"Not too much. I applied for a credit card, and I didn't say tens of thousands, but that's right. After all, this is a private platform without the strong capital of the bank."

Many people have a reason.

because.

This is a fact.

then.

Learn more about it.

"It turns out that the quota can be increased in the future. It's not bad, it's very user-friendly. Although the quota is not large, it can be spent first. It will be paid next month and there is no interest."

"what!"

"There is another borrowing."

"Wow!"

"This is good, this is good. When you need money in a hurry, this is rain in time. You don't need to ask someone to borrow, which will cause trouble to others."

"Not bad."

"Unfortunately, I only have ten thousand. Don't worry. Take your time. The daily interest rate is five ten thousandths. It's quite high, but it's okay. Unlike a credit card, it's still used.

"You can do anything."

Many people like it.

after all.

Who doesn't borrow money in a hurry?The psychology of the other party when the money was borrowed, did you not have any points?Credit card, but unable to withdraw cash.

If you want to cash out, you have to pay a handling fee.

The process is troublesome.

now.

Just move your finger, you can get the account, which is convenient and fast, and five out of ten thousand is the highest amount. As mentioned above, if the credit is high.

The minimum can be two ten thousandths.

Like that.

It is simply conscience.

soon.

"what!"

"WeChat has also been updated."

"Ah!"

"Sure enough, it's the same advance and retreat. Like Ali, it launched cash loans. It's not bad, not bad. This is much better than banks."

Everyone knows how difficult it is to borrow money from the bank.

...

Online.

"This function is great. I will pay my salary next month. I am empty in my pocket and want to buy a computer. Now, I don't have to wait until next month."

"Indeed, very useful."

"Agree."

"Interest is also appropriate. This month is interest-free, and the instalment interest is not high. Compared with credit cards, it is much more convenient, and you don't earn as much as bank credit cards."

"Wish it?"

"Money has a cost. How much interest does the bank absorb deposits from depositors? Ali's financing costs are, less to say, commercial loan interest rates."

"Oh."

"It's still earned by the bank."

"That is."

"Ali made hard money, and the loan threshold is much lower than that of credit cards. It is a big plus for the urgent need for a small turnover of tens of millions of dollars."

"Hmm!"

"..."

A lot of praise, for the risks, everyone did not consider much, because...The quota is really small, several thousand yuan, who can't afford it?

of course.

There are also dissatisfied, such as student groups.

College Students.

On the two platforms, the Huabei quota is very fixed, only one thousand. All this group is the same. If you want more, you can only wait for college graduation.

To this.

Tucao a lot.

But more, they agree that one thousand yuan is one month's living expenses for most students. No matter how much it is, it is indeed impossible to afford it.

they do not know.

in fact.

At the beginning.

Everyone has discussed not giving a quota to college students, not a dime, to avoid spending more money, living expenses are over, parents clamored dissatisfaction.

but.

Still decide, give.

one thousand.

No more points, this is the total amount of the two platforms.After all, universities are already half-footed into society and have independent thinking.

Denying its credibility is not a good thing.