Chapter 1580

If we say that the consumer loan launched by far away is to attract the attention of users.

After all, cash is available, which makes many people believe in the authenticity of consumer loans.

On the 7th, we tried to operate again in the distance, and launched the exclusive loan similar to Huabei, which is a bit of a desperate situation!

Exclusive loans are different from consumer loans. If consumer loans are loans, exclusive loans are Huabei.

The function of Huabei is, of course, real consumption, which is called exclusive loan when it is consumed in the industries under the banner of Huabei.

In fact, this is to advance everyone's consumption potential in advance, so as to promote the consumption desire of users.

In distant shopping malls and wanjia.com, exclusive loans can be used as money directly, and they can enjoy the interest free period like credit cards.

This is not even popular for credit card users, can spend money from afar, buy things from afar, where to find such a good thing?

All those who use these consumer loans will not consider repayment in the early stage.

As for the later stage, it was also later.

When the exclusive loan appeared, there seemed to be no increase in the sales system of the mall on that day.

But the data fed back from the remote data center made Li Dongxi smile.

On the 7th, the number of users who opened exclusive loans was a little more than that of previous consumer loans, reaching 100000.

On the 7th, more than half of the users opened the exclusive loan business. On that day, some users used the exclusive loan for shopping and other consumption in order to seek novelty.

There are more than 20000 users using the exclusive loan, and the amount is more than 2 million yuan!

On the first day, there were not too many users, and they were still in the trial operation stage. Many people could not understand these concepts. However, on the first day, 20000 people used the exclusive loan, and the amount used exceeded 2 million yuan, which was very shocking.

……

Distant headquarters.

Cao Jinsheng, the president of remote finance, was afraid to buy a channel: "I doubt that users have not completely understood what this is by now, so they dare to use this money for shopping?"

He didn't know whether to be happy or to worry.

In the end, can the money be recovered after such unrestrained use?

Although the money released is not too much at present, there are few people who really use it.

On the 6th, consumer loans or loans went out more than 5 million. On the 7th, consumer loans and exclusive loans consumed about 8 million loans.

In two days, 13 million was spent.

Can the money be collected?

This is still at the beginning. After that, when the scale is large, more money is released every day. Once there is a large area of dead accounts and bad debts, what should we do?

He was worried, but Li Dong didn't worry about it. He said with a smile: "it's not something difficult to understand. It's just to advance the income in advance.

What's more, the users we have opened now are all user groups that we have established credit system.

These people have a strong ability to consume from afar, and most of them have deposits in yu'ebao.

I feel relieved about their repayment ability.

What's more, the amount of credit we open is not too high, and the risk is actually much smaller than that of banks.

Bank credit card, that is manual audit, all kinds of information fraud has become the norm, the bad debt rate of credit card is not high, let alone us?

Our consumer loans and exclusive loans are all compared and analyzed through large databases, and finally we open them in a unified way.

From this point of view, in fact, our risk control is more stringent than that of banks.

As long as we do a good job in data analysis and audit, in the end, we will certainly make money just by these loans.

In fact, these interests are still a small source of interest.

The key is that a large part of the money eventually flows into the distance, and we collect the benefits for the second time.

And the emergence of exclusive loans, our mall performance will also cause a lot of help.

Today's 2 million exclusive loan consumption, at least 1 million of which would not have been our performance.

But when users have money that doesn't seem to belong to them, they will subconsciously increase their shopping budget. Even those who are not ready to go shopping will want to go shopping.

People are like this. If they don't get the money, they feel that they are not worth it.

Now the scale is small, not too obvious.

When the scale is large, when we expand this user group to 2 million, 20 million, or even 200 million people!

By that time, if we increase the shopping budget by 500 yuan per capita, we will be able to increase our revenue by 100 billion yuan!

Collect their interest, collect their installment fees, and then make a profit on their performance. Then, our own funds will be revitalized.

That's how many birds are carved with one arrow! "

"It's called wild geese over plucking their feathers..."In the office, a more subtle voice came out.

Li Dong picked his eyebrows and looked at the opposite side: "why, do you think it's not right?

Or do we think that we are encouraging consumers to overspend? "

Li Dong said with a slight sarcasm: "who does an enterprise not want his own revenue to increase and his interests to increase?"?

Various business performances, various promotion activities, various store expansion

Is it all for fun?

The ultimate goal is not to make money!

I do not violate the law, do not violate the rules, expand our revenue source with normal means, but become a wild goose overkill?

It can only be said that you are too naive!

According to your idea, we should not do business, because if you do business, we will have to buy things, and we will have to spend money on them. Then you will be overkill.

Enterprises to achieve this point, there are still such naive ideas.

I have to say that you people always let me down.

What's more, if I don't do it, others won't do it?

Bank loans, bank credit cards, are these things different from us?

Without us, we also have other ways to consume through other channels.

If we choose usury, it will be ten times more terrible than we are.

And let consumers, their limited funds, consumption in the distance, is not we should and must do a thing?

I can only listen to such childish remarks once. I don't want a second time.

What's more, compared with others, the distance is at least enough conscience.

At least, our products are genuine, strict in control and strict in auditing. I can't say that consumers can buy things in our shop. But more than 95% of them are worth buying.

Let consumers buy things, consume and shop here, which is also helpful to them.

Let's not talk about this nonsense. In a word, it's only July now. On July 18, we will do a simple trial survey and operation.

Next, we have a few months to expand what we have now.

I hope that in a few months, we will have more than 10 million users of our exclusive loans and create more than 10 billion additional performance.

Victory is often accumulated in such a little bit.

Today, we let users have more choices and draw in one more user, which not only strengthens ourselves, but also weakens our opponents.

If it goes on like this, sooner or later, others will be completely left behind by us. "

Li Dong said this, and finally said: "so, next, we need to make further efforts in the area of remote finance.

Yu'ebao should absorb more funds, wancartoon should promote more users, and consumer loans and exclusive loans should also increase a large number of user groups.

I've always said that I'm going to crush Ali, defeat the treasure.

In fact, a remote finance, if operated well and operated well, may become the last straw to crush Ali.

This should not be ignored.

Although, now we have a lot of activity and action. We are talking about mergers and acquisitions everywhere.

It doesn't mean that I have to give up the IT industry. I have to watch Ali grow stronger.

While Ali has not yet obtained the small loan license and consumer finance license, this is also our opportunity.

Otherwise, once they get it, our advantage will be weakened a lot

People nodded in succession, as for who said before "wild geese overkill", no one continues to care and investigate.

Li Dong did not pursue this, and added: "October, after the National Day holiday, is still three months away.

And three months later, Shen Xi may be born.

I hope you can give me a little surprise at that time.

Yu'ebao, I hope that the amount of capital absorbed at that time will exceed 100 billion.

For exclusive loans and consumer loans, I hope to achieve 10 times leverage, that is, 20 billion yuan.

If all these can be achieved, breakthroughs will be made in the field of remote e-commerce and Internet finance, which will provide strong assistance and support for our follow-up plans.

This year is bound to be a year of great breakthroughs in the distance.

From the acquisition of Guomei in January, to the defeat of Teng Xun in May, and then to the listing of microblog and the formation of Retail Industry Alliance

At the annual meeting of 10 years, I think the world will surely see a different distance.

And this year, I personally, married and had children, which is also two big happy events.

My greatest success is that my family and career can be happy.

I, Li Dong, also hope to succeed and become the final big winner. However, all this depends on me, which is definitely impossible to complete.

All of you here are the cornerstone of my family and career.

That's all. Let's make more efforts.Taking advantage of the fact that Ali and other enterprises are unable to obtain licenses at present, we are the only one in the market and strive to occupy absolute market share and advantage in a short period of time.

Once other enterprises follow suit, our advantage will be weakened a lot. "

When Li Dong was talking, everyone was calm, and many nodded in a hurry.

The wedding in June actually gave Li Dong a few gifts from afar.

The retail industry alliance has been integrated and put into operation.

Teng Xun was defeated and became the first overlord of IT industry in the distance.

And then, on Li Dong's birthday in August, the distance actually prepared two big gifts for him.

Teng Xun is ready to resume trading and Weibo is ready to go public.

Before, the IPO of Weibo had to wait until September, but now the IPO team of Weibo is working hard to complete the IPO before Li Dong's birthday, so that Li Dong can worry about where to ring the bell on his birthday.

If the merger and acquisition plan goes well, we can even attach some big gifts to his birthday.

In October, Li Dong's first child was born. Now Li Dong asks for a gift from afar.

In the end, I'm afraid that the value of a few gifts will exceed everyone's expectation.

It's time to test whether you can send this gift.

Now, time is not enough. Who can be the first to present this gift list to Li Dong may have a great impact on the future.

……

Li Dong is waiting for a gift.

Can be 7 exclusive loan out, Ma Yun completely can't sit still.

He didn't expect to move so fast in the distance.

For the consumption loan of No.6, if Li Dong is to earn interest money, the exclusive loan of No.7 is just like what people in Li Dong's office said at that time, "wild geese are overgrown"!

Pull is the hair of online shopping consumers, pull is the hair of all remote users, including foreign users.

Once these people's hair has been plucked from afar, where is Ali going to pluck it?

Resources, money, these things, for consumers are actually limited, a person can not be reckless consumption.

Once in the distance, Ali pulls again, which is totally different.

When the exclusive loan came out, Ma Yun began to call in the office to communicate with each other. There was no way to delay this matter.

Otherwise, the longer the delay, the more trouble.

Before Ma Yun has not made up his mind, at this time, Ma Yun is determined to find someone to cooperate!

No matter how the result is, we can't let the distance continue to be the top notch, otherwise, Ali's crisis will only become more and more serious.

On the 7th, Ma Yun almost stayed at home and did not know how many calls he made in the office.

Sulin and Bailian can cooperate with each other and can also assist Ali in obtaining various licenses.

At a time when the sense of crisis is aggravating, Ma Yun can only ignore the future interests and seize the present.

And Ma Yun at this time was also a little confused.

Li Dong, what do you want to do recently?

Before, he moves unceasingly, finally took Teng Xun, at first, I'm afraid no one will put the target on Teng Xun's head.

Now, it's so far away.

All kinds of movements are frequent, and it seems that there are many movements. But in Ma Yun's opinion, these are actually for a core purpose in service.

Is Ali really the core goal of Li Dong?

Besides Li Dong, I'm afraid few people can understand this.

If it's not Ali, who is it?

At this time, Ma Yun is really looking forward to going to Pingchuan now, grabbing Li Dong's neck and questioning him, what does he want?

But Charity Night has 10 days to go. I really want to see Li Dong. I have to wait until then.

And these 10 days, Ma Yun also has to prepare a lot of things.

At least, 10 days later, the charity dinner will not be ridiculed by Li Dong.

That guy's temperament, a little achievement on the thump, met with them these old enemies, that's even more venomous.

Even if Ma Yun is used to listening now, he doesn't want to be despised by that guy every day.

(it's just two shifts. I'm dizzy recently. I'm sorry.)

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