Chapter 2088

unlimited.

OK.

It's not good.

The good thing is that financing is convenient. On the bad side, there's still a reason - the door is open and the breeze is blowing in, but it's not just the breeze.

Turbid gas.

The dishes are delicious.

Flies.

Mosquitoes.

...

here we are.

The original intention of many policies is actually very good, but it can not resist those who have ulterior motives and want to exploit loopholes to make use of the rules to obtain huge profits.

Market disruption.

So.

The general principle of this kind of policy is to put it first and then to tighten it, because many new things have not appeared in legislation, so it is very difficult to prevent them in advance.

Just like clothes.

There are holes.

Make up.

It is a kind of failure to let people who need clothes wear them in such a way that flies and mosquitoes can't get in, but fresh air can't be sucked in.

。。。

Over consumption.

In China.

It has not been well recognized. The mainstream idea is to have a big mouth and eat as much as possible. If you can't afford to buy it, you can't afford it. In general, you don't borrow money to spend.

Indeed.

This is a good habit.

No.

It should be said that it is very good. There is a saying that there is food at home, and there is no panic in my heart. If Europe and the United States are like that, it is OK to eat more than one's income at home.

But.

In 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 fill up with oil, and then wait for relief.

It's miserable.

But.

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

If you eat too much, you will die.

So.

What Tang Qing opposed was excessive consumption.

If there is restraint.

It is a reasonable proportion to grasp a certain degree and carry out forward consumption according to the expectation of one fifth to one tenth of their annual salary.

To oneself.

To people.

In the enterprise.

Yu Guo.

There are many advantages.

First of all.

Secondly, they don't need to borrow money from others, which will hurt the relationship, the enterprises will make money and the state will have a tax.

For example.

A person's annual salary is 120000, and the amount of money spent can be as high as 24000. However, this money 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.

The real thing to be vigilant about is the rise of those black net loans. The personal loans were ruined by the ultra-high interest rate black net loans in the past.

Thousands.

Roll on.

Tens of thousands.

100000.

It's not uncommon.

Many of them are set up specially. They are completely fraud. Of course, to crack down on them, the best way is to call the police.

Of course.

The principal and interest should be paid back.

Usury.

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

It's just a civil economic dispute.

Go to court.

They also have to pay back the principal and interest. If the interest rate is lower than 36% of the annual interest rate, they should also pay back. The higher part is not needed. Tang Qing disagrees with this.

Thirty six.

Below.

It's a civil dispute. Yes.

But above.

This interest rate has seriously disturbed the social and economic order and must be severely punished.

Too high.

Bad.

Severe punishment is needed.

In this regard.

Tang Qing didn't fail to do anything. When some people played the black net loan, he would deal with it like a swindler, crack down on it, report it, or punish it.

Let them lose their blood.

There are many ways.

Otherwise.

It was originally a good financial behavior. It was crossed by people and made everyone yell and beat. It's really a bit unjust. Let those swindlers have a good look at it.

---The cruelty of this society.

。。。

Then.

The vice president introduced in detail the characteristics of Huabei and the interest rate, because this is what the whole company needs to cooperate with, which is a comprehensive report.

Tang Qing listened quietly.

Interest rate.It's not high.

Seven percent for one year.

If it is overdue, the penalty interest is 5 / 10000 per day, which is not low, but it also depends on the situation. The stimulation of spending is not so large a consumption.

After all.

There has to be a quota.

One thousand.

Two thousand.

Five thousand.

At present, it is set to be 20000 yuan. It is still stipulated that only when the consumption exceeds this figure in one year, the annual interest rate is much lower than that of credit card.

And then.

It's only 5 / 10000 overdue.

No overdue.

If the next month's repayment, there is no interest, the longest interest free period of 40 days, even if it is installment payment, the interest charged is very small.

Three, one point eight.

Six, four point five.

One year, seven five.

Really.

Very conscientious, half less than credit card.

Secondly.

It's credit.

For the time being, we can only rely on the enterprise's self-confidence evaluation. The bank's credit reference is not available to Ali. Therefore, we mainly use two credit systems.

First.

Ali.

Based on their past consumption.

Second.

Small.

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.

Some bad debts can be avoided.

Finally.

It is to determine the online time, which is set on August 31.

。。。

After the meeting.

Connect Ma Yun alone.

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

Ma yundao.

Now.

Ali went abroad and expanded wildly.

Nature.

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

Why not?

Calculate.

Bank loans need interest, and they are commercial loans, but they are not cheap. The cost is already over 5.5%.

In addition.

So is ABS.

Financing.

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

This cost.

It's four to five percent.

So.

After deducting various expenses, tax rates, etc., Ali's net profit is only less than 2%. The outside world thinks Ali has made a lot of money.

I don't know.

-Banks.

-Securities companies.

-Investors.

All parties should draw a sum of money from it. Judging from the rate, we can know that Huabei hardly makes any money. Relatively speaking, it is better to borrow money to earn more.

It's five tenths of a million, just like a credit card.

But.

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.

This time.

Taking advantage of the opportunity, Ali also obtained 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 powerful.

Up and down access.

And then.

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

So.

Ali has more than a dozen financial licenses.

And.

These branches, which are held by Alibaba and held by local partners, have almost solved the overseas financing problem of Ali, and some of them do not even need to do ABS.

Direct borrowing from its banks will reduce the cost.

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 spurred by unknown people.

Said they made more money.

Black heart.

Eat inside out.

Profiteer.

“。。。”

In this regard.

It's just a joke, of course.

This is it.

It's not that they can't be explained. Most of the masses still have brains.