Chapter 2087

Soon.

It's over.

Tang Qing got up, went to the French window, looked at the scenery of half the park, sipped a sip of hot tea. Huabai, Jiebai, was born five years earlier.

Premature birth?

No.

Exactly.

The popularity of mobile Internet has intensified the development of e-commerce. Only after the credit system is gradually mature and the policy is open, can such financial services be provided.

Obviously.

With his help.

4G。

Five years in advance. In the past, in 2013, 4G business began in China. In this life, 4G license was issued two years ago.

At the same time.

In the true sense, smart phones are three years ahead of time, and the era of thousand yuan smart phones is almost four years ahead of time.

So.

It's not premature.

。。。

The future.

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

What's more.

This is still the domestic market.

Plus foreign countries.

If the development is good, one year will be a huge number. Although tens of billions are a bit in suspense, it is still conceivable to have 18 billion.

Actually.

He can also do it. For example, the lending institutions, that is, the initial investors, use small financial service groups instead of Alibaba's ant financial services.

However.

But still gave up.

First.

At least we are the biggest shareholder of Ali. We are involved in everything. It seems that we have no way to make money. Secondly, we really don't like it.

Ten billion.

How many?

The unit is still RMB.

Third.

Tang Qing is actually doing it, Xiaoxiao, wechat, headlines... The personal loans of these platforms are naturally made by his loan companies.

It's just that.

It doesn't involve consumer finance like Huabei. Moreover, information sharing, such as borrowing in ant financial services, will reduce the amount of money in small financial services.

All in all.

All in order to avoid debt expansion.

Otherwise.

Some people have borrowed too much money and can't pay it back. On the contrary, they scold the platform for not lending so much money to them. This kind of thing will happen 100% of the time.

Helpless.

You can't say the other party is wrong.

After all.

It's like a piece of cake, sloshing in front of other people's eyes, which makes people salivate. Finally, they can't help but take a mouthful. Later, they regret that they say you hook him with food.

Strictly speaking.

That's right.

But it's not.

Therefore, this kind of commercial behavior can not be denied.

In response.

What 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 risk of borrowers, he can also control his own risk.

。。。

At this point.

At present, Jingdong Baitiao is in the process of preparation. It will go online in a month at most. After all, behind it stands the powerful ERV.

Money.

There is no shortage.

ERV commercial bank, which has set up branches in China, is not famous because, like other foreign banks, it has fixed deposit restrictions.

Every stroke.

RMB 500000.

So.

Ordinary customers are out of reach. ERV owns more than 40% of the shares of Jingdong. If Jingdong wants to borrow them, it should not be too simple.

Technology.

No problem.

Yeah!

Good!

Tang Qing is more and more like this "fight left and right" taste, but it does not seem to count, because the two groups are not the same.

There's more.

ERV is a big shareholder.

This time.

There is nothing wrong with it. Even in the previous life, the sense of existence of micro credit is too low. In this life, wechat has been occupied by itself.

So.

Penguin doesn't need to be involved. Its positioning is still in the game. With the support of ERV's game development, penguin can be the first in the domestic game industry.

。。。

31.

Early in the morning.

Alipay update.

"Flowers? What is it? "

Many people are puzzled. They click in and quickly understand what's going on. "This is not a credit card, it's just an electronic credit card."

Right away.

A lot of people see the essence.

So.

With curiosity.

Fill in the information according to the process and submit the application. Almost in a flash, the quota comes out. The speed makes many people shout:"So fast!"

Then.

I see my quota.

"Five thousand?"

"Not much. I can apply for a credit card, at least tens of thousands, but it's right. After all, it's a private platform, and there is no bank with abundant capital."

Many people make up a reason.

Because.

That's the truth.

Next.

Get to know it in detail.

"The original follow-up can increase the amount, good, very user-friendly, although the amount is not much, but can spend first, next month also, there is no interest."

"Eh!"

"And a loan."

"Wow

"This is good, this is good. When money is in urgent need, it's timely rain. You don't have to ask people to borrow it, causing trouble to others."

"Not bad."

"It's a pity that I only have 10000 yuan. I'm not in a hurry. Take your time. The daily interest rate is five thousandths. It's very high, but it's OK. Unlike credit cards, they have specified purposes."

"Anything."

A lot of people like it.

After all.

Who borrows money when they are not in a hurry? The psychology when the other side is borrowed money, oneself psychology does not count? Credit card, but no cash.

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

The process is troublesome.

Now.

As long as you move your finger, you can get to the account. It's convenient and fast, and five out of ten thousand is the highest amount. It's said that if the credit is high.

The minimum can be two in ten thousand.

Like that.

It's conscience.

Soon.

"Eh!"

"Wechat has also been updated."

"Oh

"Sure enough, it's the same as advance and retreat. Like Ali, it has launched cash loan. It's good, it's good. It's much better than the bank."

Everyone knows how difficult it is for a bank to borrow money.

。。。

Online.

"This function is too good, just next month salary, now empty pocket, want to buy a computer, now, don't wait until next month."

"Yes, it works."

"Yes."

"The interest is also appropriate. This month is interest free, and the installment interest is not high. Compared with credit cards, it is much more convenient, and the income is not as much as bank credit cards."

"For Caesar?"

"Money has a cost. If the bank takes deposits from depositors, how much is the interest? Ali's financing cost is at least the commercial loan interest rate. "

"Oh."

"It's still the bank."

"It was."

"Ali makes a lot of hard money, and the loan threshold is much lower than that of credit card. It's a big advantage to have a small turnover of tens of millions of yuan in urgent need. "

"Mm-hmm!"

“。。。”

It's a piece of praise. We don't think much about the risks, because... The amount is really not much, thousands of yuan, who can't afford the same?

Of course.

There are also dissatisfaction, such as student groups.

College students.

On the two platforms, the amount of money spent is very fixed, only 1000. All the people in this group are the same. If they want more, they can only wait until they graduate from university.

In response.

make complaints about many things.

But what's more, they agree that a thousand yuan is a month's living expenses for most students. No matter how much, they really can't afford it.

They don't know.

Actually.

In the beginning.

We have discussed not to give college students the amount of money, not to a dime, so as not to spend more money, living expenses exceed, parents clamour dissatisfaction.

But.

It's still up to you.

A thousand.

No more. This is the total amount of the two platforms. After all, the university has already stepped into the society and has independent thoughts.

It is not a good thing to deny its credit.