Reborn Super Bank System

Early morning.

The update of the two platforms has made the Internet lively. Everyone is eager to see how much credit they have and how much money they can borrow.

"I'm only three thousand."

"two thousand."

"Five thousand."

"Ten thousand, haha, it seems to have something to do with my usual consumption flow. Colleagues who work overtime with me prefer online shopping than me, 13 thousand."

"Damn! I'm five hundred."

"Five hundred? It's probably because you didn't fill in the information completely, or it's a new number."

"..."

Most are two to three thousand, and tens of thousands are very few. Everyone gradually understands that this credit evaluation system is very rigorous and will not suddenly give a large quota to one person.

in this way.

It can also stop some people's irrational consumption.

"very good!"

"It's better to be more rigorous, it's too much, I'm scared when I look at it."

"Yes."

"The key is convenience. In the future, you can borrow three to five hundred yuan directly from WeChat, five ten thousand yuan, one thousand yuan, and only a few yuan in interest for three to five days."

"conscience."

"..."

What everyone likes better is the on-demand system. Whether it is micro-loan or borrowing, you can withdraw cash at any time. This is divided into two aspects.

Withdraw cash to WeChat, Alipay balance.

Arrived in seconds.

If you go to a bank card, you have to slow down. Most people like this, because many of the cash withdrawals to the bank card are for spending.

Grocery shopping.

eat.

Transfer.

consumption.

And these.

With the popularity of mobile payment, bank cards are no longer needed. Now even the hawkers in the vegetable market and any roadside stall support it.

therefore.

Many people love this feature.

Million five.

one day.

When the money is urgently used, it is not high. Many people use it urgently. It takes three to five days, ten days, or even half a month. How much is the interest?

Ten thousand yuan.

It took one month to give one hundred and five interest, one hundred and five, if you want to ask a friend to borrow it, when you pay it back, please eat a meal is almost the same amount.

someone said.

Unclear.

friend.

What's the interest? What interest is paid? If you borrow 10,000 and return 10,000, it is not normal. Otherwise, what is a friend, what is a relative, and what interest is paid?

amount!

Ok,

This is one's way of being in the world, and each has its own standpoints and opinions. You can't say it wrong, you can only say it...Be nice to others!

...

Capital.

somewhere.

"Great."

Liu Dong was testing the two software and sighed in his heart. This means that the two major companies have officially set foot in the consumer finance field and have taken a big step forward.

Think about it.

This will be a huge market.

WeChat.

Alipay.

Both of these have almost accounted for more than 85 percent of China's mobile payment field, and borrowing can be directly used for consumption.

Well.

This means that it faces a wide range of groups.

Great.

Deep.

All are of unprecedented scale.

of course.

This does not mean that you can do business for everyone. After all, the consumption habits of Huaxia people are still based on their ability and prefer to save.

and.

Most of them don't like to borrow money and live within their means.It is estimated that the number of people who actually use the two loan products will not exceed 10% of the total users.

but.

This ratio is already very high.Because the base it faces is too large, as long as the risks are controlled, the profit is still considerable.

Big profit?

amount!

He doesn't dare to speak falsely.

after all.

Even banks with such strict risk control have bad debts. For banks, this is still the case. Although the two platforms have credit evaluation capabilities.

but.

After all, the base is large.

bank.

Those who do not meet the standard will not be given a dime.

Ali.

WeChat.

Almost the identity information is true, there is a minimum quota of 200, which is very risky. He calculated it, and the combined profits of the two major platforms were almost 3%.

bank.

The bad debt rate is a little over a little bit.

platform.

The probability will be a little higher than this number. If it reaches 2%, the two major platforms are almost a real low-profit era, if it exceeds three.

Gee.

Then you may face a loss.

now.

The credit overdue of the two major platforms does not leave a record on personal credit, which means that the cost of overdue is greatly reduced, just think about it.

Ugh!

This business.

It seems to be booming, but the future is unpredictable. Unless overdue is included in the credit investigation, he can guarantee that a large amount of profits will be eaten up by bad debts.

but.

Although there are pits.

But Jingdong still has to keep up.

Borrow it?

Micro loan?

Do not.

For the time being, JD.com only studies Huabei, does consumer finance, and only consumes on JD.com's platform. In this way, risks can be controlled to avoid taking too much steps.

Click!

pain!

Immediately.

An email was sent to various executives to determine the topic of the meeting tomorrow morning.

...

Shenzhen.

penguin.

"Ugh!"

A sigh.

now.

Penguin was almost squeezed out of the top spot in the social field. On the PC side, Penguin still maintained the number one share, but in the mobile field.

Rout across the board.

WeChat.

Strongly ate the largest share, and what Penguin left for everyone is memories. Under such user conditions, what kind of loans are you getting?

Say it again.

That little money.

Boring.

He quickly figured out the profits of Ali and WeChat. If you don't increase the amount, you can't make much money at all, and may even incur losses due to bad debts.

therefore.

This dish is really not fragrant.

With this time, how much money can its games make? ERV's strong game development capabilities have allowed it to remain invincible and make huge profits.

really.

It is better to lean against the big tree to enjoy the cool.

"Go!"

"You play, we won't be with you."

...

In addition to the two major Internet companies, many giants seem to have also seen a new world, and then after careful analysis, their thoughts were immediately wiped out.

license.

user.

cost.

income.

risk.

......

Some calculations are simply a pit, and a small fight is like doing charity, lacking a credit rating and matching overdue penalties.

Bad debts.

The unavoidable problem can drag them to death.

That is to say, Ali and Tang Qing have a large family and a large number of users. They can use the huge transaction volume and use the earned part to balance the bad debts.

and so.

Let's wash and sleep, they can't play the games of big guys.Many people have also seen that the loan lines of the two major platforms are not too high.

Twenty to thirty thousand to death.

fifty thousand.

One hundred thousand.

Two hundred thousand.

These large funding needs, there are still places that cannot be met, but when I think of it, such a large platform does not offer a loan of 500,000 yuan.

Can't help thinking:

---Is there a pit?

Ok!

Definitely is.

for sure.

Otherwise, the two big companies don't do it for the purpose of spreading, and they are not without money. Think about it, one person with a few thousand yuan in bad debt, and a person with tens of thousands in bad debt.

The difference is not small.

...

In addition.

There are also people who are thinking about loans, but it is a good business. If it is done properly, it will be very profitable. These people quickly get up.

The more I think about it.

The cooler.

The two major platforms dare not make large sums. They dare to choose a good target and formulate a collection process, and there is no need to worry about making money. Haha, good business!