Chapter 2088

efore dawn.

The update of the two platforms has made the network lively. Everyone is scrambling 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, ha ha, it seems that it has something to do with my daily consumption. My colleagues who work overtime with me like online shopping better than me, thirteen thousand."

"Shit! I'm five hundred. "

"Five hundred? It is estimated that your information is incomplete, or it is a new number. "

“。。。”

Most of them are two or three thousand, but few of them are tens of thousands. We gradually understand that this credit evaluation system is very rigorous and will not suddenly give a person a large amount.

So it is.

Can also stop some people's irrational consumption.

"Very good!"

"It's better to be more rigorous. I'm afraid of it."

"That's right."

"The key is convenience. If you need three or five hundred yuan, you can borrow it directly from wechat. It's five thousandths of a thousand yuan. It's only a few yuan interest in three or five days."

"Conscience."

“。。。”

What we prefer is the system of withdrawal on demand. Whether it's micro loan or loan, you can withdraw cash at any time. There are two aspects.

cash to WeChat, Alipay balance.

Second to the account.

If it comes to the bank card, it should be slower. Most people like it very much, because many people withdraw cash to the bank card to spend it.

Buy vegetables.

Eat.

Transfer.

Consumption.

And these.

With the popularity of mobile payment, there is no need to mention the bank card. Now even the food market vendors and any roadside stall support it.

So.

Many people love this function.

Five thousand.

One day.

When money is in urgent need, it's not high. Many people are in urgent need. In three or five days, ten days or even half a month, it's almost there. What's the interest rate?

Ten thousand yuan.

It only takes one month to give 150% interest. If you want to ask a friend to borrow it and pay it back, please have a meal. It's almost the same number.

Some people say.

I don't know.

Friends.

It's not normal to talk about interest. If you give birth to a share, you can borrow 10000 yuan to repay 10000 yuan. Otherwise, what's a friend, what's a relative, and what's the interest?

Well!

Well,

this is a person's way of dealing with the world. They have their own positions and opinions. They can only say... Better to others!

。。。

The capital.

Somewhere.

"Great."

Liu Dong tests two kinds of software, sighs in his heart, which represents that the two major enterprises, formally set foot in the field of consumer finance, have taken a big step forward.

Think about it.

It's going to be a huge market.

Wechat.

Alipay.

These two kinds of loans have almost occupied more than 85% of Huaxia mobile payment field, and loans can be directly used for consumption.

So.

This means that we should face a wide range of groups.

It's so big.

It's so deep.

All on an unprecedented scale.

Of course.

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

What's more.

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

But.

This proportion is already very high. Because its base is too large, as long as we do a good job in risk control, the profit is still considerable.

Big money?

Well!

He doesn't dare to talk too much.

After all.

Even banks with such strict risk control have bad debts, which is still the case for banks. Although the two platforms have the ability of credit assessment.

But.

After all, the base is large.

Banks.

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

Ali.

Wechat.

Almost true identity information, there is a minimum amount of 200, the risk is very big, he calculated, the comprehensive profit of the two platforms support 3%.

Banks.

The bad debt rate is more than one percent.

Platform.

Probably the rate will be a little higher than this figure. If it reaches 2%, the two platforms will be in the era of real low profit. If it exceeds 3%.

Tut tut.

Then you may face a loss.Now.

When the credit of the two platforms is overdue, there will be no record on personal credit, which means that the overdue cost has been greatly reduced. Just think about it.

Alas!

It's business.

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

However.

Although there are pits.

But Jingdong still has to keep up.

Can I borrow it?

Micro credit?

No.

For the time being, Jingdong is only learning to spend money, doing consumer finance, and only consuming on the platform of Jingdong. In this way, risks can be controlled, so as not to go too far.

Click!

It hurts!

Right away.

An email was sent to the executives to set the theme for tomorrow morning's meeting.

。。。

Shenzhen market.

Penguins.

"Alas

A sigh.

Now.

Penguin has almost been squeezed out of the top position in the social field. Although the PC and Penguin still hold the first share, they are still in the mobile field.

The whole line collapsed.

Wechat.

Strong eat the largest share, Penguin more left to you, is the memory, such user conditions, what loans, pull it!

And then again.

That's a little money.

It's boring.

He quickly worked out the profits of Alibaba and wechat. If he didn't make a big profit, he couldn't make any money at all. He might even make a loss because of bad debts.

So.

This dish is really not delicious.

With this time, how much money can its games make? ERV's powerful game development ability has made it invincible and profitable.

Sure enough.

It's better to lean on the tree to enjoy the cool.

"I've got it!"

"If you play, we won't accompany you."

。。。

in addition to the two largest Internet companies, many giants seem to have seen a new world, and then careful analysis, that idea was immediately extinguished.

License plate.

Users.

Cost.

Revenue.

Risk.

...

after some accounting, it's a pit at all. It's like doing charity, lacking credit rating and matching overdue punishment.

Bad debts.

Unavoidable problems can drag them to death.

Ali and Tang Qing, who are big in family and business, are more user-oriented. They can use the huge trading volume to even out the bad debts.

So.

It's better to wash and sleep. They can't play the big guys' games. Many people also see that the loan amount of the two platforms is not too high.

Twenty or thirty thousand.

Fifty thousand.

100000.

Two hundred thousand.

There are still some places that can't be met for these large amount of capital needs. But when I think of such a large platform, I don't want to launch a loan of RMB 500000.

Can't help thinking:

--- is there a pit?

Yeah!

It must be.

Sure.

Otherwise, the two major enterprises will not do it for the sake of spreading, and people will not have no money. If you think about it, thousands of yuan of bad debts are bad debts for one person, and tens of thousands of yuan are bad debts for one person.

The difference is not small.

。。。

In addition.

There are also some people who have a bad idea. Loans are a good business. If they are operated properly, they can make a huge profit. These people quickly get up.

The more I think about it.

The better.

The two platforms dare not make a large sum of money, they dare, as long as they choose a good object, formulate a good collection process, do not worry about not making money, ha ha, good business!