Chapter 1581

On the 6th, consumer loans were launched from afar, and on the 7th, exclusive loans were launched from afar.

The two kinds of loans have caused a lot of repercussions among the user groups.

Some are for it, others are against it.

Some people even said that Li Dong was crazy to make money, and now he began to do usury business.

There is no response to these topics from afar.

For consumer loans and micro loans, whether they are good or bad, varies from person to person. Everyone's ideas are different. If some people support it, naturally others will oppose it.

Some people are grateful to Li Dong and feel that the distance is getting more and more atmospheric.

Compared with the tedious process of the bank, the procedure here is very simple. It takes a few minutes to get the account. This is a good news for some people who are eager to use money.

At the same time, some small and medium-sized enterprises are looking forward to it.

At the 2008 Internet Conference, Li Dong and Ma Yun said that they should support small and medium-sized enterprises. If banks do not give loans to small and medium-sized enterprises, they will change the banks.

Some of what they said that day was not worth mentioning.

But now, with a consumer finance license from afar, this kind of thing may happen.

Of course, the current amount of consumer loans is not high, and it is targeted at the consumer sector. In fact, the consumer loans made in the distance are somewhat biased, but the good thing is that they are targeted at individuals, with a low amount of credit. In the case of unclear laws, no one said anything.

But for small and medium-sized enterprises loans, there is no small loan license, far away is unable to lend to them.

Therefore, at this moment, some enterprises in urgent need of money and unable to obtain loans in the bank are eager to get the network small loan license quickly from afar.

As long as you get it, according to the style of doing things from afar, the door of lending to small and medium-sized enterprises will soon be opened.

……

Small and medium-sized enterprises are expecting at the same time.

Far away.

Li Dong also asked, "we should get the small loan license as soon as possible. Now Ali and they are promoting the issuance of small loan license plate. Although we already have the consumer finance license, it will be more beneficial for us to get the small loan license.

Ali has been able to do better and better in the field of B2B because they have helped some small and medium-sized enterprises to open up the international market.

In China, some potential small and medium-sized enterprises are of great help to enterprises.

Sometimes, our enterprises need a large number of small and medium-sized enterprises to cooperate and support.

A few years ago, we had been fighting alone.

It was not until 2009, when we established a retail alliance, that we won over some small and medium-sized enterprises in the retail field. At this time, we were in a group.

But such a group, the strength is not strong enough!

In fact, it is not enough for an enterprise to be stable, to influence all walks of life and to dominate in a single field.

Attract small and medium-sized enterprises and become one of our members. The more enterprises participate, the more favorable it will be for the distance.

In fact, large enterprises do not exist alone.

When we were weak, it didn't matter, and it didn't hurt much. But when we were strong, we need to consider these.

Corporate loans, which seem unimportant, are actually very important.

We give loans to small and medium-sized enterprises. Even if we are just a lending platform, it is enough for us to influence these enterprises.

In the future, we will have some cooperation or expansion activities. The first consideration of these enterprises is that they can not be enemies from afar, but can only cooperate with them.

Because we hold their economic lifeline!

Why are banks so strong?

The loan is very important!

They are all in debt to the bank, and some enterprises are afraid that the bank will collect money in advance and settle down in advance. In the financial blacklist of that year, many enterprises have been tossed to death.

Although we are not banks, nor will these enterprises toss to death, but as long as we do the loan business, it is actually a kind of control.

Therefore, the loan business of small and medium-sized enterprises should be done as soon as possible.

When the enterprise loans out, our loan business is almost completed. In addition to the disguised deposit business of yu'ebao, the payment and settlement business of ten thousand cards

All these businesses have been done. Except for some intermediate business, we can't do it. Remote finance is a kind of bank in another sense.

In fact, the development direction of remote finance is this direction.

In the end, we will definitely set up an internet bank.

Now, Huaxia even private banks are not open, but this trend is becoming more and more obvious, I think, before long, private banks will appear.

And Internet banking, I think, will eventually be recognized by the government and become a member of the financial sector with the development of the times.

For a private enterprise, the final derivative is made into a bank, which is also the biggest recognition and protection for the enterprise. "

Internet banking!

As soon as these words appeared, there was something strange in people's eyes.In China, especially now, when the traditional financial sector has not been impacted, banks are actually the real overlord of China.

Banks with a lot of cash flow have some advantages in treating any enterprise.

Nowadays, is there any enterprise that has the same money as the bank?

Almost no!

The bigger the enterprise, the worse.

Huaxia Petrochemical bank is the second largest company in the world?

Owe it!

Of course, the government will allocate funds to these central enterprises, and their profits are frightening. They are not short of money, but they are in debt, which is also a fact.

Banks generally don't refuse their loans and they don't ask for money, but it's a fact that the two sides have a debt relationship.

The bank as a creditor, regardless of whether the debt is uncle, really want to ask you for debt, you have nothing to say.

Therefore, the bank is actually the dominant enterprise of Chinese business.

Remote finance is now going to this field. Once it is done, it will really lay the foundation of invincible in the distance.

However, private banks are not officially established. Internet banking is more difficult than private banks. It is not so simple to be the first Internet Bank in China.

In the past, Teng Xun's Weizhong bank was established only at the end of 14 years and officially opened in 15 years.

It's not very difficult to get government approval and government approval so many years in advance.

In the conference room, no one else spoke.

But Li Dong did not continue this topic, continued: "in addition to these, the other is the financing of consumer loans and exclusive loans.

As the first consumer loan on the Internet, we will no longer take the traditional financial channels this time.

Traditional small loan companies, in general, their final source of funds is actually mostly through banks and shareholders.

Of course, I'm talking about regular small loan companies, not about other private capital flows.

This time, I have considered for a long time that we do not have to go through the channels of banking, trust and insurance. As for the financing of shareholders, we are not able to support it for the time being.

So, I want to finance through ABS channel.

For consumer loans and exclusive loans, the final annualized interest rate can reach 20% on average. Of course, the interest is interest, and there will certainly be some dead accounts and bad debts. After removing these, in the end, the income will not be so high, but more than 10% will not be a problem.

ABS financing, I looked at the financing situation of other platforms a few days ago, generally between 3.8% and 8.5%.

And the ABS period is generally not short, three to five years is the norm.

If the market of the project is good, I don't think it is too difficult to get about 5% interest rate with the qualification from afar.

Today's Bank large loans, time more than three years, the interest rate is more than 5%, in fact, the difference between the two is not big, and compared with banks, ABS financing audit is easier, and raising funds is simpler.

The key point is that there is no need to pledge!

In the past, our loans were all assets pledged, but consumer loans were not used by us. It is obviously impossible for us to use our own industry to pledge.

But once the bank does not lend money, our principal is only 2 billion, which obviously can not meet my expectations.

Next, the group should start to prepare for financing through ABS channel.

Although the scale of consumer loans and exclusive loans is not large, only about 13 million yuan in two days, plus today, it should be about 20 million yuan.

Moreover, most of our loans are short-term one month loans. In other words, according to the present level, we will eventually release about 200 million yuan in one month.

After a month, most of the money will be paid back.

But now it is now. With the passage of time and the successful establishment of our credit system, we will establish credit channels for more users and open their loan business. I think the loan scale will rise in a large scale.

In the end, a month's capital flow is certainly not a small amount. In my opinion, it is not long before the capital flow exceeds 10 billion yuan.

So in advance, we should do some preparatory work. After all, it is the first time for us to do this. I mean, in August, we made a 10 billion yuan financing plan, and the interest rate was about 5%, and the time was three years.

The main body of the project is our consumer loan project.

Try to explore the market situation first, so as not to do this kind of project in the future. We have no experience... "

After Li Dong finished, Cao Jinsheng, who was in the distance of finance, hesitated a little: "Mr. Li, what you said is basically feasible.

It can be said that you may not like to hear that, even if the scale continues to expand, by August, our monthly loan will not exceed 2 billion, which is inevitable.

Financing started in August, ABS financing speed is still very fast, and the financing plan may be completed by the end of August.

In other words, the money can only be used for consumer loans.In the end, a 10 billion fund may become our reserve. Even if it is put into a bank account, it will yield profits, but the income will not be too high. Finally, we have to pay at least two extra points of interest.

In addition, ABS financing, in fact, is also to charge, generally about 1 point.

I don't think it is necessary for us to raise more than 10 billion yuan in a short time.

Otherwise, in a year, we will lose at least 200 million yuan.

In fact, even if you want to raise funds, the first billion yuan is more than enough... "

Cao Jinsheng also calculated Li Dong's account from the actual situation.

There is no need to leave so much money on the far side of finance. Compared with the current scale, 10 billion, this reserve is too much, not to mention its own money.

Is it necessary to give interest to others if the money can't be released?

If 10 billion yuan is left in the account of remote finance, one year later, there is still so much money on the book, and the loss of 200 million yuan from afar is the least.

When he finished, Li Dong frowned and said, "didn't I say that before? Next, with the establishment of our credit system, we will open the entrance on a large scale.

I also said yesterday that the scale of two types of loans should reach 20 billion in October or so.

You think I'm kidding?

Is 20 billion a lot? A lot of 10 billion?

At present, there are more than 200 million users. My plan is to gradually open the user's rights, and at least 10% of the users will be granted, which is the lowest.

There are 20 million people who can use loans. Even if only half of them are using them, there will be 10 million people.

The amount of loan per capita is 1000 yuan, which is 10 billion yuan.

How long do you think it will take?

As long as the credit system is established, it is possible at any time!

So, prepare ahead of time, at most also spend extra one or two months of interest expenses, the actual time may be shorter, when the enterprise loan is opened, what is 10 billion?

A month's interest, from their interest difference, will soon be able to earn back, in the end, we will only earn, not lose.

Preparation in advance is better than no preparation.

In case there is not enough reserve fund, and there is no loan from customers, that will be the biggest blow to our credibility.

In this case, you should take a step and look at three steps. Don't just look at the things in front of you. Our scale is small, but will it always be this size? "

When he said this, Cao Jinsheng thought about it for a while, and then he had to say, "we'll start to prepare immediately, but only 5% of the three-year period..."

In the current ABS platform, the interest rate of 5% is generally short-term interest rate, generally in half a year to a year.

Li Dong wants to use this interest rate for three-year financing, which is a bit difficult.

Li Dong said: "try it first. In fact, the users who participate in financing not only consider the interest rate, but also the popularity of the enterprise.

Small enterprises need to attract people to participate with high interest rates. Now they are well-known from afar, and the key is to maintain stability.

At present, there are not many large enterprises participating in ABS financing, and the interest rate given by the government projects is not high. Although we can't compare with the government, it can be said that some small countries do not necessarily have the credibility and popularity of us. "

He said so. What else can Cao Jinsheng do? Finally, he should say, "OK, I'll go back and make preparations."

As for the 5% three-year period, it depends on luck whether we can raise 10 billion yuan.

Li Dong can't blame Li Dong for financing less than that. After all, 5% is not really high. Now the bank's three-year fixed period is not much different from this.

Of course, this is world-wide financing. Chinese deposits have interest, and some countries have to pay back their money. We can't look at the problems simply based on the situation of China.

For some foreign investors, 5% is acceptable.

However, things are not as simple as Li Dong said. The key to fame in the distance lies in China, which can only be said to be average in the world. I'm afraid it depends on the listing of microblogs.

As long as the microblog is on the market, its reputation in the world will be established.

Once the microblog fails to produce the desired results, regardless of the financing channels, the financing from afar will be much more difficult.

Cao Jinsheng is thinking about distant finance, but yuan Chengdao, who has never said a word, looks at Li Dong thoughtfully.

In the past, Li Dong seldom cared about these, and he would not even consider what channels to use for financing.

Now, listen to the meaning of Li Dong's words, he should have made an investigation on ABS for a period of time, otherwise he would not open his mouth to the interest rate range.

Is Li Dong really simply financing for distant finance?

Yuan Chengdao thinks it's not only that!

Now, we should first raise 10 billion yuan to try the market. Once the market is good and distant projects are sought after, will there be 50 billion or even 100 billion or more financing plans?What is the purpose of financing so much money?

No matter how much money is raised, it is not your own money, it is to pay interest.

Even if it is 5%, 100 billion yuan of financing, a year down, the interest alone will be 5 billion.

If the 100 billion yuan can not generate more than 5 billion profits, it is a loss making business.

Once there is a loss, in fact, the loss is not only the problem of 5 billion, but the key is that ABS financing is guaranteed by its own project.

If the project does not make money and loses money, the impact will be even worse. Even if we subsidize the interest from afar, it will cause some adverse effects.

After all, in the eyes of many people, investing in distant places is to be invincible in the distance and not to make loss making business.

But if Li Dong uses the money to conduct retail M & A, can he really make profits in the short term?

Yuan Chengdao had doubts about this point. At this moment, he was slightly worried.

With these things in mind, Yuan Chengdao was slightly distracted.

It was not until he felt a gaze around him that Yuan Chengdao woke up and took a look at the crowd.

At this time, one side of Liu Qi quietly reminded: "Li always let you do a summary of the first half of the two quarters of the performance."

Now it's July. Half of 2009 has passed, and the performance summary of the first half of the year should also come out.

As the president of the group, the performance summary of the first half of the year is naturally the most clear.

In fact, today's meeting is to give a summary of the first half of the year. All the previous discussions were just additional topics.

As a result, Li Dong asked a few questions, but yuan Chengdao didn't respond, which naturally attracted people's attention.

Liu Qiyi reminded yuan Chengdao that he was busy: "just now Mr. Li said ABS financing, I was just thinking, can there be some other projects in the distance, also carry out ABS financing, for a while I was fascinated by it. I'm sorry."

After a brief explanation, Yuan Chengdao was relieved to see that Li Dong didn't care.

Then, Yuan Chengdao picked up the document and began to talk about the business summary report in the first half of the year.

In the conference room, other people also listened carefully. Li Dong even began to write and draw. Obviously, he paid more attention to the performance in the first half of the year.

After all, in the first half of the year, there were a lot of long-distance actions, and a lot of preparatory work had been completed in the first half of the year. Whether we can make a major breakthrough or not, the performance of the first half of the year is still very important.

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