Chapter 2091 Online (Please Subscribe!)

soon.

Finished talking.

Tang Qing got up, walked to the floor-to-ceiling window, looked at the scenery of half of the park, and took a sip of hot tea. Huabai, borrowed, born five years in advance.

Premature birth?

Do not.

exactly.

The popularization of the mobile Internet has intensified the development of e-commerce. After the credit system has gradually matured and the policy has been opened, such financial services can be provided.

Obviously.

with his help.

4G.

Come out five years early. In the previous life, in 2013, 4G commercial use in China began, and in this life, 4G licenses were issued two years ago.

at the same time.

Smartphones in the true sense came out three years earlier, and the era of thousand-yuan smartphones was almost four years earlier.

therefore.

Not premature.

. . .

future.

Ali has one more way to make money. At first, it won't be too much, but the snowball is getting bigger and bigger, and it is no problem to earn three or five billion a year.

and.

This is the domestic market.

Plus abroad.

If the development is good, a year will be a huge number. Although tens of billions are a little overhang, 18 billion can still be imagined.

actually.

He can also do, for example, the lender, which is the original investor, using Xiaoxiao Financial Services Group instead of Ali's Ant Financial.

but.

But still gave up.

First.

After all, we are Ali’s largest shareholder, and we get involved in everything, making it seem like we have no way to make money. Second, we really don’t like it.

Ten billion.

much?

The unit is still RMB.

third.

Tang Qing is actually doing it too, Xiaoxiao, WeChat, Toutiao. . . The personal loans on these platforms naturally use his loan company.

only.

It does not involve consumer finance such as Huabei, and information sharing, such as borrowing from Ant Financial Services, will reduce the amount in Xiaoxiao Financial Services.

In short.

All to avoid expanding debt.

otherwise.

Some people have too much loans and can't pay them back, and in turn scold the platform for not lending him so much money. Such a thing will happen 100%.

have no choice.

Can't say the other party is wrong.

after all.

It's like a piece of cake, dangling in front of people's eyes, making people mouth watering, and finally couldn't help but eat it in one bite, and later regret it, saying that you hooked him with food.

strictly speaking.

That's right.

but.

Therefore, this kind of business practice cannot be denied.

to this.

All he can do is to control the scale, mainly to solve the embarrassing problem of small and medium funds, not only to control the risk of borrowers, but also to control the risk of himself.

. . .

at this time.

Jingdong Baitiao has already started preparations, and it will be launched in a month at most. After all, behind it, there is a powerful ERV.

money.

No shortage.

ERV Commercial Bank, which has opened a branch in Huaxia, is not well-known because, like other foreign banks, there are fixed deposit restrictions.

per stroke.

500,000 RMB.

therefore.

General customers are out of reach. ERV owns more than 40% of JD.com's shares. JD.com wants to borrow, it's not too simple.

technology.

No problem.

Um!

it is good!

Tang Qing is liking more and more, this kind of "left and right fighting" taste, but it doesn't seem to be counted, because the groups of the two sides are not the same.

and also.

ERV is the penguin of major shareholders.

this time.

There is nothing to do with it anymore, even in the previous life, the sense of existence of the micro loan is too low. In this life, WeChat has been occupied by myself.

So.

There is no need for Penguin to be involved. Its positioning is still in the game. With the support of ERV's game development, Penguin can be the first in the domestic game industry.

. . .

thirty-one.

early morning.

Alipay update.

"Huabai? What?"

Many people were puzzled, clicked in, and quickly understood what was going on, "This is not a credit card, it's just an electronic credit card."

Immediately.

Many people see the essence.

then.

Be curious.

Fill in the information according to the process and submit the application. Almost instantly, the quota will be released. The speed is so fast that many people shout:

"So fast!"

Then.

Just see your limit.

"Five thousand?"

"Not much, I applied for a credit card, let's say tens of thousands, but yes, this is a private platform after all, and there is no bank with strong capital."

Many people come up with a reason.

because.

This is a fact.

then.

Learn more.

"It turns out that the amount can be increased in the future. Yes, it is very humane. Although the amount is not much, it can be spent first, and it will be paid back next month. There is no interest yet."

"what!"

"There's one more to borrow."

"Wow!"

"This is good, this is good. When you need money urgently, this is the rain in time. You don't need to ask people to borrow it and cause trouble to others."

"good."

"Unfortunately, I only have 10,000. I'm not in a hurry. Take your time. The daily interest rate is 5/10,000, which is quite high, but it's okay. Unlike a credit card, it has a prescribed usage."

"Do anything."

Many people like it.

after all.

Who borrows money when there is no urgent need for it? When the other party is borrowed money, do you have no psychological points? Credit card, but can't withdraw cash.

If you want to cash out, you have to pay a fee.

The process is cumbersome.

now.

As long as you move your finger, you can get to the account, which is convenient and fast, and 5/10,000 is the maximum amount. Borrowing said above, if the credit is high.

The minimum can be two ten thousandths.

That way.

Simply conscience.

soon.

"what!"

"WeChat has also been updated."

"Ah!"

"Sure enough, it's the same advance and retreat. Like Ali, it launched a cash loan. Yes, yes, this is much better than the bank."

Everyone knows how difficult it is to ask the bank to borrow money.

. . .

online.

"This function is very good. It just happens that the salary will be paid next month. Now my pocket is empty and I want to buy a computer. Now, I don't have to wait until next month."

"Indeed, very useful."

"Agree."

"The interest is also suitable. This month is interest-free, and the installment interest is not high. Compared with credit cards, it is much more convenient, and it does not earn as much as bank credit cards."

"For Sarah?"

"Money has a cost. How much is the interest for banks to absorb deposits from depositors? Ali's financing cost is, at least, the commercial loan interest rate."

"Oh."

"It's still the bank's money."

"That is."

"Ali earns hard money, and the threshold for lending is much lower than that of credit cards. It is a great benefit for the urgent need for tens of millions of yuan in small turnover."

"Uh-huh!"

"..."

A piece of praise, for the risks, we do not think much, because. . . The quota is really not much, several thousand yuan, who can't afford the same?

certainly.

There are also dissatisfied, such as student groups.

College Students.

On the two platforms, the quota of Huabei is very fixed, only 1,000. All this group is the same. If you want more, you can only wait for college graduation.

to this.

Lots of rants.

But more than that, I agree that one thousand yuan, for most students, is a month's living expenses.

they do not know.

actually.

At the beginning.

Everyone has discussed not to give the university student group quota, not a cent, so as not to spend more money, the living expenses are over, and the parents are shouting dissatisfaction.

but.

Still decide, give.

one thousand.

There is no extra point, this is the total amount of the two platforms. After all, a university is already half a foot into the society and has an independent mind.

Denying its credit is not a good thing.