Chapter 2092 An Unavoidable Problem (Please Subscribe!)

early morning.

The update of the two major platforms has made the Internet lively for a while, and everyone is scrambling to see how much credit they have and how much they can borrow.

"I'm only three thousand."

"two thousand."

"Five thousand."

"10,000, haha, it seems to be related to my usual consumption and turnover. My colleagues who work overtime with me prefer online shopping than me, 13,000."

"Shit! I'm five hundred."

"Five hundred? It is estimated that your information is incomplete, or it is a new number."

"..."

Most of them are two or three thousand, and there are very few tens of thousands. Everyone gradually understands that this credit evaluation system is very rigorous and will not suddenly give a large amount to one person.

in this way.

It can also stop the irrational consumption of some people.

"Good!"

"Be rigorous, it's more, I'm afraid to look at it."

"That's right."

"The key is convenience. For urgent needs of three or five hundred in the future, borrow directly from WeChat. Five ten thousandths, one thousand yuan, and a few yuan interest in three or five days."

"conscience."

"..."

The one that everyone prefers is the withdrawal system, whether it is micro-loan or borrowing, you can withdraw cash at any time, which is divided into two aspects.

Withdraw to WeChat, Alipay balance.

Account in seconds.

If it is to a bank card, it will be slower. Most people like this very much, because many cash withdrawals to the bank card are also for spending.

grocery shopping.

Have a meal.

transfer.

Consumption.

And these.

With the popularity of mobile payment, it is no longer necessary to mention bank cards. Now even hawkers in the vegetable market and any roadside stall support it.

therefore.

Many people love this feature to death.

ten thousand five.

one day.

When you need money urgently, it is not high. Many people need it urgently. It takes three to five days, ten days, or even half a month. How much is the interest?

Ten thousand yuan.

It takes one month to pay 150% interest, and 150%, if you ask a friend to borrow it, when you pay it back, please eat a meal is almost the same number.

someone said.

unclear.

friend.

What interest are you talking about? If you have earned points, borrowing 10,000 to pay back 10,000 is not normal. Otherwise, what is a friend, what is a relative, and what interest do you give?

Forehead!

All right,

This is a person's way of life, each has his own position and views, can not say wrong, can only say. . . Be kind to others!

. . .

Beijing.

somewhere.

"sharp."

Liu Dong tested the two softwares and sighed in his heart. This means that the two major companies have officially entered the field of consumer finance and have taken a big step forward.

Think.

This will be a huge market.

WeChat.

Alipay.

These two have almost occupied more than 85% of China's mobile payment field, and borrowing can be directly used for consumption.

So.

This means that it is aimed at a wide range of groups.

great.

deep.

All are on an unprecedented scale.

certainly.

This does not mean that everyone can do business. After all, the consumption habits of Chinese people are still based on their capabilities, and they prefer to save.

and.

Most do not like to borrow money and live within their means. It is estimated that the number of people who will actually use the two loan products will not exceed 10% of the total number of users.

but.

This ratio is already very high. Because the base of its orientation is too large, as long as the risk control is done well, the profit is quite considerable.

Big money?

Forehead!

He didn't dare to lie.

after all.

Even a bank with such strict risk control has bad debts, even for banks, although the two major platforms have the ability to evaluate credit.

But.

After all, the base is large.

bank.

Those who do not meet the standard will not be given a dime.

Ali.

WeChat.

Almost as long as the identity information is true, there is a minimum quota of 200, which is very risky. He calculated that the combined profit of the two platforms was dead by 3%.

bank.

The bad debt rate is a little over a percent.

platform.

The high probability will be a little higher than this number. If it reaches 2%, the two major platforms are almost in a real low-profit era, if it exceeds 3.

Gee.

Then you may face a loss.

now.

The credit of the two major platforms is overdue, and there will be no retention of personal credit, which means that the overdue cost is greatly reduced, just thinking about it.

well!

this business.

It seems to be booming, but the future is unpredictable. Unless overdue is included in the credit report, he can guarantee that a lot of profits will be eaten by bad debts.

but.

Although there are pits.

But Jingdong still has to keep up.

Borrow it?

Micro loan?

Do not.

For the time being, Jingdong only learns Huabei, does consumer finance, and only consumes on the Jingdong platform. In this way, risks can be controlled, so as not to take too many steps.

Click!

pain!

Immediately.

An email was sent to various executives to determine the theme for tomorrow morning's meeting.

. . .

Shenzhen.

penguin.

"Ugh!"

A sigh.

now.

Penguin was almost squeezed out of the top spot in the social field. On the PC side, although the Penguin still maintained the first share, it was in the mobile terminal field.

Defeated across the board.

WeChat.

Strongly took the largest share. What Penguin left for everyone is memories. Under such user conditions, what kind of loan is it?

Say it again.

that money.

boring.

He quickly calculated the profits of Ali and WeChat. If they don’t increase the volume, they can’t make much money at all, and they may even suffer losses due to bad debts.

therefore.

This dish is really not tasty.

With this time, how much money can be made by its games, ERV's strong game development capabilities have made it invincible, making a lot of money.

really.

Or back against a big tree to enjoy the shade.

"have to!"

"You play, we won't accompany you."

. . .

In addition to the two major Internet companies, many giants seem to have seen a new world, and after careful analysis, that little thought was suddenly extinguished.

license.

user.

cost.

income.

risk.

After some accounting, it is simply a pit. It is like doing charity by making small troubles. It lacks a credit rating and has a matching overdue penalty.

bad debts.

The unavoidable problem can drag them to death.

Also Ali and Tang Qing, who have a big family and a large number of users, take advantage of the huge transaction volume, and can also use the earned part to settle the bad debt part.

so.

It's better to wash and sleep, the big guys' game, they can't play it. Many people have also seen that the loan amount of the two major platforms is not too high.

Two or three thousand to death.

fifty thousand.

One hundred thousand.

Two hundred thousand.

These large capital needs are still unsatisfied, but when I think of it, such a large platform does not offer 500,000 loans.

Can not help but think:

——

Is there a hole?

Um!

Definitely is.

must.

Otherwise, the two major companies will not do it, and they are not without money. If you think about it, one person has bad debts of several thousand yuan, and one person has bad debts of tens of thousands of yuan.

The difference is not small.

. . .

also.

There are also some people who have a crooked mind and take loans, but it is a good business. If it is done properly, it will be a huge profit. These people quickly get up.

The more you think.

more cool.

The two major platforms do not dare to make large sums. They dare, as long as they choose the target and formulate the collection process, they will not worry about making money, haha, good business!