Rebirth of the Super Banking 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 it, was born five years earlier.

Premature birth?

Do not.

exactly.

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

at the same time.

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's no problem to earn 3.5 billion a year.

and.

This is still 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 initial 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 have a foot in everything, making it seem like we have no way of making money. Secondly, 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, and information sharing, such as borrowing from Ant Financial, will reduce the quota in Xiaoxiao Financial.

In short.

All in order 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. This kind of thing 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 be online within one month at most. After all, behind it is a powerful ERV.

money.

No shortage.

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

Per pen.

Five hundred thousand yuan.

therefore.

Ordinary customers are out of reach. ERV owns more than 40% of JD.com's shares, and JD.com wants to borrow it.

technology.

No more problems.

Ok!

it is good!

Tang Qing likes it more and more, the taste of ‘playing right and left’, but it doesn’t seem to be counted, because the groups of the two parties are not quite the same.

and also.

ERV is the penguin of major shareholders.

this time.

There is nothing wrong with it. The sense of existence of Weixindai, even in the previous life, is too low. In this life, WeChat has been taken by oneself.

Well.

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

. . .

Thirty-one days.

Wee hours.

Alipay update.

"Huabai? What is it?"

Quite a few people were puzzled. They clicked in and took a look, and they quickly understood what was going on. "This is not a credit card, it's just 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 is so fast that many people chanted:

"So fast!"

then.

I saw my quota.

"Five thousand?"

"Not 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 a bank."

Many people make up for 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 much, 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 have to ask someone to borrow, which will cause trouble to others."

"Not bad."

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

"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, didn't you have any points in your own psychology? 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, it's not bad. This is much better than the bank."

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 suitable. 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 make as much money 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 a lot of hard money, and the loan threshold is much lower than that of a credit card. It is a big plus for the urgent need for a small turnover of tens of millions of dollars."

"Hmm!"

"..."

A lot of praise, everyone did not think much about the risks, because. . . The quota is really not much, a few 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, wanting more ~www.wuxiaspot.com~ can only wait for college graduation.

To this.

Tucao a lot.

But more, it's approval. For most students, one thousand yuan is one month's living expenses. No matter how much it is, they can't 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 for dissatisfaction.

but.

Still decide, give.

one thousand.

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

Denying its credibility is not a good thing.