Chapter 2086

unlimited.

Good.

It's not good either.

The good thing is that financing is convenient. The bad side, or a reason - the door opened, the breeze blowing in, but not just the breeze.

Turbid gas.

The dishes are delicious.

Flies.

Mosquitoes.

...

all here.

Many policies come out with very good intentions, but they can't resist people who have ulterior motives and want to exploit loopholes to make huge profits by using rules.

Disrupting the market.

So.

The general principle of this kind of policy is to put it first and then tighten it up, because many new things did not appear during the legislation, so it is difficult to prevent them in advance.

It's just like clothes.

There are holes.

Make it up.

It is a failure to let the people who need clothes have them, so that they will not be able to get in the flies and mosquitoes, but the fresh air will not be sucked.

。。。

Consumption ahead of time.

In China.

It's not recognized all the time. The mainstream idea is to bear with how big a mouth you have and how much food you can't afford. Generally, you don't borrow money to spend.

Indeed.

It's a good habit.

No.

It should be said that it's very good. It's well said that if you have food at home, you don't panic. If you live beyond your means as you do in Europe and America, it's OK at ordinary times.

But.

When it comes to a special period.

---Depression.

That is, there are countless bankrupts, how many people's houses have to be taken back by the bank, how many people's cars can't even afford to add fuel, and then wait for relief.

It's sad.

However.

The reason for all this is not the fault of excessive consumption, but the excessive consumption, any one thing, even the delicious food.

If you eat too much, you will die.

So.

What Tang Qing opposed was unrestrained consumption ahead of time.

If there is moderation.

It is a reasonable proportion to make forward consumption according to the expectation of one fifth to one tenth of their annual salary.

It's up to you.

It depends on people.

In the enterprise.

Yu Guo.

There are many advantages.

First of all.

Second, you don't have to borrow money from others, which hurts the relationship. When the enterprise makes money, the country also has a tax.

For example.

A person's annual salary is 120000, and the amount of money spent can reach 24000. No matter how much the money is, it will not reduce the quality of life of the whole year.

So.

It's a business that benefits the country and the people.

Among them.

What we really need to be vigilant about is the rise of those black net loans. Personal loans were corrupted by the black net loans with ultra-high interest rates in previous lives.

Thousands.

Roll, roll.

Tens of thousands.

100000.

It's not uncommon.

Many of them are designed for fraud. Of course, we have to crack down on them. In case of such a situation, the best way is to call the police.

Of course.

The principal and interest that should be paid back cannot be relied on.

Usury.

Its definition is: the annual interest rate is higher than 36%, a helpless reality is that in the current justice, usury does not constitute a crime.

It's just a civil economic dispute.

Go to court.

You also have to repay the principal and interest. If the annual interest rate is less than 36%, you have to pay it back. Don't use the higher part. Tang Qing doesn't agree with it.

Thirty six.

Below.

It's a civil dispute, OK.

But that's not the case.

This kind of interest rate has seriously disturbed the social and economic order and must be severely cracked down on.

It's too high.

Bad.

Severe punishment is needed.

In response.

Tang Qing has not done nothing. When some people play black net loans, they will deal with them like fraudsters, crack down on them, report them, or make black net loans.

Let them lose everything.

There are many ways.

Otherwise.

Originally, it was a good financial behavior. It was crossed by others and made everyone yell and fight. It was really a bit unjust. Let those swindlers have a good look.

---The cruelty of this society.

。。。

Next.

The vice president gave a detailed introduction to the characteristics of Huabai and the interest rate, because it was a comprehensive report for the whole company.

Tang Qing listened quietly.

Interest rates.It's not high.

Seven percent for one year's installment.

If it is overdue, the daily penalty interest is five thousandths, which is not low, but it also depends on the situation. It's not a huge amount of consumption to spend.

After all.

No matter what, there must be a quota.

A thousand.

Two thousand.

Five thousand.

At present, it is set to go online at 20000 yuan. This still stipulates that the annual interest will be given only when the consumption exceeds this figure within one year. The annual interest rate is much lower than that of credit card.

What's more.

It's five out of ten thousand overdue.

Not overdue.

If the repayment is made next month, there will be no interest on the payment. The longest interest free period is 40 days. Even if the payment is made by installments, the interest charged is very small.

Phase three, 1.8.

Six, four five.

One year, seven five.

Really.

Well, it's half as low as credit card.

Secondly.

It's credit.

For the time being, we can only rely on the self-confidence evaluation of enterprises. The bank's credit investigation is not what Ali can check. Therefore, we mainly use two credit systems.

First.

Ali.

Based on its past consumption.

Second.

Little.

As the largest office software system in China, it has a huge working relationship and its own credit evaluation system, which is quite mature.

So it is.

Some bad debts can be avoided.

Finally.

It's time to go online. It's August 31.

。。。

After the meeting.

Connect Ma Yun alone.

"This attempt should make Ali go faster. When the test is completed at the end of the year, Ali's overseas financial service platform can also be launched."

Ma yundao.

Now.

Ali went abroad and expanded.

Naturally.

We will not let go of the foreign consumer financial market. After all, although the interest of Huabei installment is not much, as long as the amount is increased, there will be profits.

Why not many?

Calculate.

Bank loans need interest, and they are commercial loans, but they are expensive. The cost is more than 5%.

In addition.

It's the same with ABS.

Financing.

It's not how much you borrow or how much you pay back. When people buy your abs bonds, they also pay attention to the income. If the income is almost the same as that in the bank, they will buy them.

That's the cost.

It's four to five percent.

So.

After deducting various expenses, tax rates and so on, the net profit left to Ali is less than 2%. The outside world still thinks how much money Ali has made.

I don't know.

-Banks.

-Securities companies.

-Investors.

All parties need to draw a sum from it. From the perspective of rate, we can know that there is little money to be made by spending. Relatively speaking, we should make more money by borrowing.

Five out of ten thousand, just like credit cards.

However.

It's still not profiteering.

Because.

Ali's money is borrowed or financed from the bank. The bank's credit card, with its own money, makes several percentage points higher than Ali's.

This time.

Taking advantage of this opportunity, Ali has also won consumer finance photos in many countries. At this moment, he deeply felt the strength of those allies.

As if.

In their country, there is nothing they can't do.

It's very powerful.

Up and down access.

What's more.

At least one-third of them have opened banks, but they are of different sizes. They are very interested in online consumer finance, and they are all involved in it.

So.

Ali has more than a dozen more financial licenses.

And.

These branches, controlled by Ali and held by local partners, have almost solved Ali's overseas financing problems. Some of them do not even need ABS.

The cost of borrowing directly from its banks has been greatly reduced.

So.

There is an embarrassing problem. The interest rate of Huabei in China will be much higher than that in foreign countries. In the future, it may be sprayed by unknown people.

He said he made more money from them.

Black heart.

Eat inside and climb outside.

Unscrupulous businessmen.

“。。。”

In response.

It's just a joke, of course.

This is not the case.

It's not that we can't explain. Most of the masses still have brains.