Rewriting the Technological Scenario

In a few days, the wind investment has opened a conference, which is responsible for Shao Yao.

"I see it again, I see the online conference on us, I am very confused, this is also something wrong, because our company is too good." Shao Yi Bao boasted, "We want to introduce to the market today." Two things, and these two things, I want to lead by responding to some questions about the wind bank online.

Dash Bank came from this time, the biggest topic is our credit loan. Many netizens are criticizing our credit loans over chicken ribs, and this chicken rib is mainly reflected in two aspects, one is low, one is a special population There is no amount.

We said in the Great Bank's conference that we will use technology to get more individuals, but now, we will see that we have given everyone's quota, it doesn't seem to meet everyone's expectations, many netizens are online The amount of thousands of pieces of yours have expressed the dislikes for this product. For this problem, I want to expand my credit book today. How is the mechanism.

First of all, we must understand that the most critical thing, the core of credit loans is credit, that is, no mortgage.

The traditional bank mortgage everyone is very clear, I need your house, you need your car, you need your corporate assets as a mortgage, once you can't pay, the bank confiscates these assets, which reduces the bank's loan risk Sex, but also reduces the deposit risk of the depositors.

What is the money from the traditional bank mortgage? Not the savings of our people.

At this time, let's see our credit loans. We have not obtained any user collateral on the other hand, on the other hand, the simple absorption savings ability. We are still far less than traditional banks. We can only attract users with these things in our finance products. But as far, how many of our financial products can we do?

And I am also impossible to put all the money to manage money into the credit loan to make this interest.

So everyone can imagine it, if we now release a lot of credit ivals, what will happen if the credit user's wide range of rejection? "

Shao Yao throws a problem to let the scene and live broadcast think about the answer to the answer. "It is actually very simple, that is, our big wind bank will lose money.

So what happens if this loss is exceeded? Naturally it is bankrupt.

What will it work after bankruptcy? Everyone is invested in the big wind bank.

This is the risk control problem, how much we have to do much more.

Maybe someone will say, how long is your credit loan to do this?

Let's say it, if you really have an urgent, we can actually do this very quickly. As long as we introduce the leverage, and introduce the leverage, there is no matter which way we use the lever, the essence of the leverage It is borrowing money, and the result that the lever will cause is not bankrupt, but the burst.

What do you mean, it is said that there is no leverage, it is a big wind bank's bankruptcy, but once it introduced a lever, 10 billion turns 100 billion, that 90 billion is impossible to go out, there is someone Money, such as banks.

So this time is just the things of our big wind banks, will affect the bank borrowing money to us, and if there is a bank just borrowed our 50 billion, this 50 billion is just a last one of his last What happens?

This bank will be bankrupt.

Then, if this bank also uses a lever?

Maybe there will be a bigger financial institution behind, and ultimately, it is just a little problem that we have a big style of credit loans, which may directly lead to a wide range of financial problems. This is the harm of the leverage.

How to get 100 billion to 100 billion, in this process, it is necessary to design financial products. This product is unified in our wind investment as inferior financial products, and what incident knows what incident?

The financial crisis in 2008 is this.

So when we do credit from loan, the most fundamental bottom line we discussed at the time is that it does not touch the lever, and do not do inferior financial products.

That is to say, we have 10 billion risk tolerance, we put 10 billion credit lines.

Leverage is one of the greatest inventions in the capital market, but it is also one of the biggest risks in the capital market, no one. "

About the harm of the leverage, Meng Qian specializes in Shao Yipo, because whether the next A shares crash is still a few years of fraud investment, it has a great relationship with the leverage.

Meng Qian hopes to give everyone a risks of the leverage, maybe some people will go to understand the leverage, so far from the leverage, of course, maybe more people can take the roots, and even take the rice capital. The big crocodile is refereated by the leverage, and it is also something wrong, people have a loss.

"I heard this will definitely feel that this credit will really be very chicken, then let's take a look at the first product of today's conference.

We will not use leverage to speed up the development of credit loans, but we are also exploring other ways to accelerate the development of credit loans.

In this exploration process, we have been considering that there is a transition between traditional mortgage and credit loans, we think it may be.

We have repeatedly stressed that credit loans are a Internet financial product based on big data analysis, then there is a new support, big data behind this product, that is, technology.

Can skills can't change the collateral? No, but can technical can control risks? We believe that the answer is certain.

At this time, we put forward a new financial concept called wind pressure, which is a risk suppression.

We have mentioned before, our credit loan data analysis technology is implanted more parameters, and more parameters need stronger data analysis capabilities, but at the same time, the result it can bring is better. Risk control capabilities.

At this time, we can achieve two results, first, improve risk assurance, and with data outbreaks, this risk assurance ability will become higher and higher, such as our current risk level capacity is 10 billion, next year, now maybe It can turn 20 billion only on the outbreak of data.

Second, attracting the capital admission, improving the total credit loan, in addition to the leverage, there is also a way to attract common participants, the difference between this is that one is actually borrowing money, using a $ 10 billion of 100 billion capital The 9 billion is borrowed, once that is 1 billion, that is 9 billion is needed.

And attracting the concept of participants is that you think that our product can make money, you will invest together, once there is a problem, the common participants will bear the losses, and will never pass the wind bank's credit loan risk to society. We and our common participants will digest this risk.

To this end, we will create a wind pressure fund as a new financial product. This product will not be open to the retail, which is a financial product, a risks of credit loans, compared to the lever. It is not loan, but investment.

So our credit loans are not very high in short-term, but with the development of credit loans, this amount will gradually increase but if you want too high, it is impossible, because we will never move the lever.

We always believe that financial development is a long-distance run, and it is too simple to get in the short term. Especially for our wind group, casually split a few subsidiaries to play, you can quickly obtain capital in the financial market, but this kind of thing It is meaningless, because you will always chase the profit run, we want to settle some things, truly treat our financial development as a long run, to develop a financial order of robust, stable, safe, and healthy.

This way we can really rest in the global financial market, this is our goal. "

Shao Yipo's explanation is to say that many people listen, first, let ordinary people listen, let the people have a further clear wind bank is a kind of bank, in fact, to listen to the supervision department, let them clarify the attitude of the wind bank .

At the same time, it is to say to the entire financial industry, let them pay attention to big data technology, pay attention to wind pressure, pay attention to the wind pressure fund, and Shao Yibang finally got important topics, the wind investment is ultimately to hit the global financial market. The goal is not only just the Huaxia Financial Market, this is a long run, a long-lasting competition.

Finally, it is also to say that the big wind bank's wind investment and even the wind group heard, the company's public commitment is to maintain and continue to maintain the company.

Big Bank's gameplay, the big wind bank is to make a big money, the interest has become the main profit, stand in a short-term profit point, as a pure financial institution does mix it too bad, but stand in long-term development, After the financial crisis once again, everyone will understand what kind of financial rules are best.

Let go of the existing financial rules to play, the result is the constant loop financial crisis, and eventually suffering is the people.

So this kind of credit loan, do it, must do it, because it is an inevitable product of a time development, and it is indeed helping a lot of people. The premise is to control the risk, as long as the risk is controlled, credit loans are a good Financial products, if the risk is risks, credit loans don't know what kind of crisis will cause in the future.

Of course, the more deep words, Shao Yao will not say on the spot, people who know, can be understood, otherwise the people lack of financial knowledge, it is not good to overkill.

"Said so much, I believe that many friends have already understood our credit loans and our big wind banks in the direction and attitude of financial development.

Next, let's talk about another reason for the chicken ribs raised online. There is no amount of special people. Many students are reacting, and the students don't have a quota. We did not open credit loans to the student group. As for the reason, or the sentence, control risk .

Students are life, maybe many students have a part-time to make money, but most students have no long-term stable income sources. If the parent is not calculated.

So we don't consider opening students' credit loans.

Another controversy is a major illness. We have seen many people who are talking about it. Especially the disease is the most important funds, especially the disease, and the result is not sick. This credit loan is in a row.

We don't deny that patients need money more, but we still have the sentence, we have to control risks.

This is a confrontation of products and human nature, but this product is not for a person, we must take into account the overall situation.

However, everyone knows that our big wind group has always considered Zhou Quan, the needs of users are all clear, so although our credit loans may be less friendly, the other products we launched today may make up for us in credit The unmanificign of loans. "

Shao Yipo said that there is another product of today's screen.

Many people have a heart, it will always come.

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