Chapter 1579

Ma Yun's guess seems to be coming true.

On July 6, a cartoon update was carried out in the distance.

This time, ten thousand card update, added a function, ten thousand cartoon consumer loan.

This time, not all users have opened the consumer loan business, but some loyal users of ten thousand cartoon, who have consumption records in ten thousand card and have established credit system, have been opened consumer loan business as a pilot.

On the 6th, there were not too many consumers who were eligible for consumer loans, with less than 50000 in total.

And the opening quota is not too high, about 3000 yuan per capita.

Ten thousand card consumer loans, a total loan balance of 150 million, and at the moment some large loan companies and well-known small loan companies compared to the amount of more than one billion, not too impressive.

However, this is the first time that formal online consumer loans have emerged in China.

Getting the consumer finance license from afar means that there are no loopholes and violations in the remote ten thousand cartoon consumer loan. This is the first enterprise to obtain the official license and conduct online personal loan.

Fifty thousand people, compared with so many people in China, are somewhat insignificant.

However, the emergence of ten thousand cartoon consumer loans has surprised many people.

Internet Finance seems to increase the pace of eroding traditional finance.

Payment business, savings business, settlement business, including the current loan business, as well as the emergence of virtual money fund products.

All are announcing that Internet finance has involved more and more fields, and even has the trend of covering the whole field of traditional financial business.

The consumer loan of ten thousand cartoon is different from Huabei, but it is more like borrowing.

In fact, it has involved the small loan business.

However, at the moment, these concepts are still very vague. The concept of Internet finance has just emerged, and there is no one to investigate the difference between consumer loan and small loan.

……

The traditional financial industry has seen this trend and change.

The emerging field of Internet finance has also seen this change.

The country is supporting them to change!

From the initial gray area, to the incorporation of national supervision, to the issuance of various licenses, to this private enterprise far away, it has obtained the first consumer finance license

All this shows that Internet finance has entered the sight of the government, and the government is also supporting it.

Without the support of the government, how can we get the first private enterprise's consumer finance license from afar?

At the same time, it is enough to show that the government still has a great degree of trust in the distance.

Generally speaking, the reform of this emerging industry will be led by state-owned enterprises. After all, state-owned enterprises can better control and guide, and it is easier to stop losses in time.

However, there are still some problems in the supervision of private enterprises by the government.

Now, it is enough to show that the government has great trust in the distance if it can get a license from afar and become a pioneer in the reform of the industry. Otherwise, this kind of major event related to the financial field would not be handed over to the remote to dominate in any case.

For a while, many people began to shake in their hearts.

……

People in the industry are shocked, and ordinary users are also surprised.

This day, many people's ten thousand cartoon mobile phone client software, appeared the words of consumer loan.

If you are curious, click in and have a look. After a little operation along with the process, you will find that there are more words in the interface of your mobile phone.

I can't believe it. I can't believe it?

No mortgage?

You don't have to go through any procedures?

And then you can borrow money?

In today's P2P loan concept has not yet arisen, ordinary consumers, it is difficult to believe that on the Internet, they can borrow money easily without any thing or mortgage.

……

Hirakawa.

In an unknown small company, Yang Yan looked at the mobile phone interface curiously. There was only a huge number, 10000 yuan.

Yang Yan looked at the introduction carefully for a while, and then said to her opposite colleague: "really? What things do not need, can be directly online loans? I haven't even seen you. It's not so easy to borrow money from usury? "

The middle-aged female colleague on the opposite side was even more surprised than her, and said strangely, "what kind of loan? You're out of money again? I said, Xiao Yang, we should save a little... "

"Sister Zhang, it's not this one. Aren't you also using ten thousand cartoons? You can see for yourself that there is a consumer loan entrance on today's updated ten thousand card.

Click in on the line, open, you can see how much money you can borrow.

I read the instructions. As long as the real name authentication is OK, nothing else is needed. It is said that borrowing money will be paid in three minutes and directly to the card. Is there such a cheap thing? "

"True or false?"The female colleague on the opposite side was even more surprised. She quickly opened her own cartoon and watched it for a while. After a while, elder sister Zhang looked at Yang Yan suspiciously and said, "I didn't find the entrance. Xiao Yang, don't you have been cheated?"

"No?"

Yang Yan was surprised and said, "how could it not be? It's on the home page. I saw it as soon as I went in. I'll look at your..."

With that, Yang Yan looked at elder sister Zhang's mobile phone, but she did not find the entrance of the consumer loan. Yang Yan was a little depressed and said, "no, Sister Zhang, you didn't update the version?

I didn't have it before. I only had it updated in the morning. "

"I've updated the version in the morning, Xiao Yang, show me your version..."

Elder sister Zhang said this way, others also looked at their mobile phones.

After a while, in the office, someone said: "I also have, really, should not be a fake, ten thousand cartoon is a distant industry."

"You too? Why didn't I? Xiao Yang, Xiao Chen, help me to have a look... "

"I don't have it either. It's strange that the updated version is different?"

"It seems that Xiao Yang and Xiao Chen are the only ones in our office. You are not deceived, are you?"

"Not so..."

At this time, Yang Yan, who had opened her mouth before, suddenly said: "I seem to have an introduction here. It says that some of the ten thousand cartoon users who have good credit, have shopping records in distant shopping malls, and those who have financial management in yu'ebao will have the opportunity to open consumer loans.

I've been shopping in distant shopping malls these years, and yu'ebao has also saved 20000 yuan. It's not because of this that I opened it up? "

Another user who opened the account also said in a hurry: "me too, our office, I and sister Yang online shopping more, I also saved money in yu'ebao, saved 50000!

This consumer loan should have something to do with it. My quota is higher than that of sister Yang. It's 20000 yuan. "

"Is that so? What's going on in the distance? Are they treated differently? We are also loyal customers from afar. We just like to go to the supermarket in the distance for shopping. We don't have online shopping. You have opened it, but you didn't open it for us... "

Some people said with envy that people are afraid of contrast.

No matter what you have or I have, everyone's mind is balanced.

But if you do, I don't, then others will be unbalanced.

In the office, many people are Yang Yan, their predecessors, and even their supervisors.

As a result, both of them have the whole office. If others don't say so, their supervisor is not very happy.

As for Xiao Yang and Xiao Chen, their wages are not high, their spending is extravagant, and they have few savings. They have become VIP customers from afar.

Their wages are much higher than those of Xiaoyang. As a result, they are not VIP users. This kind of poor grade naturally makes people feel sad.

Yes, in their mind, it is obvious that those who open consumer loans at this time are VIP users from afar, and those who have not opened up are naturally not.

Yang Yan's supervisor was a little sour in his heart. If he didn't mean to say, "is it really hard to say? 10000 yuan is not a small amount. It's not so generous to have money from afar?

Not even face to face, three minutes to lend money, is it possible?

By the way, is it free or interest charged? "

"For interest, five out of ten thousand a day..." Before Yang Yan finished, Xiao Chen suddenly said, "four out of ten thousand every day..."

Now, other people are more curious, two people actually interest is not the same?

Yang Yan also doubts way: "you ten thousand four?"

Xiao Chen beamed and nodded: "well, I just had a look. The agreement says that the interest rate is between 3 / 10000 and 5 / 10000.

According to personal credit rating and consumption record, people will enjoy different interest rates.

I should be shopping far away, so the interest rate is lower.

Four out of ten thousand, the interest rate is not high... "

At this time, the interest rate of private lending is very high, and 50% of annual interest is normal.

And bank loans, although the interest rate is not high, can not be borrowed by ordinary people.

At this time, in the second and third tier cities, credit cards were not popular yet, and the overdue interest rate of credit cards was also very high. In addition, the late fee and the rolling interest were even higher than those of private lending.

Ten thousand cartoon to small Chen four percent interest rate, small Chen naturally feel not high, and there is a five ten thousand Yang Yan.

Other people are not in the mood to work at this time, some people said: "Xiao Yang, Xiao Chen, how about trying it?

Whether it's cheating or not, just try it.

Anyway, the interest rate is not high, all borrowed, only a few dollars a day.

By the way, can I withdraw this money?

You don't have to spend online, do you?

Now, many stores are using this gimmick to promote sales. They say they give you coupons. As a result, they have to go there and spend as much as possible... "Xiao Chen immediately said, "no, it says that if you want to borrow money, you can go directly to the bank card. It's only three minutes."

"Straight to Cary? Is there such a good thing? Not to mention bank loans, it takes time to process credit cards. If you want to get cash, you have to withdraw cash. There are a lot of handling charges, but you can't get all of them... "

Xiao Chen said in a hurry: "really, that's what the above said, and this is Li Dong's company. It should not cheat people.

20000 yuan is nothing to Li Dong. I'm afraid he won't pick it up if he falls on the ground. "

"Can that be the same? Xiao Chen, would you like to have a try? Didn't you say you wanted to decorate your house?

If you can get a loan of 20000 yuan, you don't have to go to the bank. With the money you have, it's almost enough.

I can't. If I borrow it and pay it back, I really need to charge interest. Can we pay it for you?

Try it and see if it's true. It's 20000 yuan. It's only 8 yuan a day. I just read it. It says that you can repay it at any time. If you can't, you can pay it back right away. "

"Yes, Xiao Chen, try it. A few dollars."

Others began to persuade him. Xiao Chen hesitated and thought for a while and then said, "why don't I borrow 100 first?"

"Can I borrow 100?"

"Yes, there is no limit on the amount of money. I'll try it. Even if it's gone, there's no loss for 100 yuan. Anyway, don't you just look at it?"

Small Chen said, in the heart is relieved, borrow 100 try, really want to be able to lend out, this 20000 yuan money, really can help oneself a lot.

The house at home has been ready to decorate, but all of his belongings, now the balance of treasure inside tens of thousands of yuan, not enough.

My husband's wages are all brought to home, and the parents of both sides are not rich.

Looking for a bank, the bank has no choice of decoration loan, and the procedures are troublesome. It's not cost-effective to go to the bank for 230000 yuan.

If you really want to borrow money from afar, you don't have to go through the process. Maybe the house can be decorated this time.

Anyway, she just saw it, and it can be paid back in installments for up to three years, and a little more in a month. This is not a big pressure on them.

With the attitude of trying, Xiao Chen began to operate.

After a while, Xiao Chen looked up and said, "yes, it says that we are transferring money. Can I have my card?"

At this time, not only other people are concerned, but also Yang Yan in the opposite.

She still has 10000.

If you can borrow it, you will have money to buy the necklace you like last time. When you get paid, you will return it in several months.

At this time, everyone was doing slow work, and the supervisor in the office did not speak.

As a matter of fact, the supervisor is also worried at this time. At this time, she hopes that the money can't be paid. It's better to cheat.

Otherwise, the subordinates have higher credit than her supervisor, and they have more credibility in the distance. It would be a shame to say so.

In the expectation of the public, after about two minutes, Xiao Chen's mobile phone suddenly rang and looked at the screen of the mobile phone. Xiao Chen was surprised and said, "it's really paid for!"

In the past, bank card SMS notification business was only promoted among big customers. However, with the passage of time and the demand for Internet payment, now major payment companies are talking about cooperation with banks.

And SMS notification service, now also began to popularize.

At the moment of seeing the text message, he saw that his account balance had really increased by 100 yuan. Xiao Chen was very happy and said: "Li Dong's company is different. There are no procedures. Within a few minutes, the money will be paid.

If you run away with money... "

To say that, Xiao Chen immediately said: "of course, I will certainly repay the money I borrowed. It is just a matter of delaying for a few months. I should make an emergency response temporarily.

I didn't expect that it was so fast.

The business of ten thousand cartoon can be regarded as a solution to the urgent need. Unexpectedly, Li Dong's own company has just finished and started to spread money out again. "

Xiao Chen sighed for a while. Other people also moved their minds. They didn't expect that they would arrive at the account when they talked about the account. They arrived so soon!

Unfortunately, among the people present, except Yang Yan, no one else has opened the project. At the moment, they can only watch Xiao Chen and Yang Yan smile happily. Everyone has a bad taste.

Someone asked in a low voice, "Xiao Chen, how much does it cost to open this one?"

Xiao Chen shook his head and said, "I really don't know about this, but I bought about twenty or thirty thousand things on the Internet. They are all practical things. It's no different from going to the supermarket.

By the way, there are yu'ebao deposits and deposits. I think it should be possible to open them. Would you like to have a try? "

"Yu'ebao, online shopping..."

Some people who haven't opened up have thought about it at this time. Do you want to go shopping online and deposit some money in yu'e Bao.

Otherwise, now we can only watch Xiao Chen and their arrogance.……

On this day, there are not one or two people who have such doubts and disbelief.

Yang Yan is not the only one who wants to go shopping in a distant mall.

And the pilot users, this day also active or passive, many people have opened consumer loans.

A lot of people have even begun to borrow money.

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