Chapter 1584: Distant Consumption Loan

Ma Yun's guess seems to have a tendency to come true.

On July 6th, Yuanfang quietly carried out an update of Wanka.

This update of Wanka has added a new function, Wanka Consumer Loan.

This time the consumer loan appeared, not all users opened it, but some loyal users of Wanka, who had consumption records in Wanka and established a credit system, were opened as a pilot for the consumer loan business.

On the 6th, there were not too many users qualified for consumer loans, less than 50,000 in total.

And the opening quota is not too high, about 3,000 yuan per capita.

Wanka Consumer Loan has a total loan balance of 150 million. Compared with the loan amount of some large loan companies and well-known small loan companies at the moment, an amount of more than 100 million is not too impressive.

However, this is the first time that Huaxia has formal online consumer loans.

Yuanfang obtained a consumer finance license, which means that Yuanfang's Wanka consumer loan has no loopholes or violations. This is the first company that has obtained an official license to conduct online personal loans.

50,000 people are insignificant compared to so many people in China.

However, the emergence of Vancard Consumer Loan has surprised many people.

Internet finance seems to have increased the pace of cannibalizing traditional finance.

Payment business, savings business, settlement business, including the current loan business, and the emergence of products such as virtual currency funds.

All are proclaiming that Internet finance has involved more and more fields, and even has a tendency to cover the entire traditional financial business field.

Wanka’s consumer loan is not the same as Huabei, but more similar to Zaibai.

In fact, this has already involved the small loan business.

But at the moment, these concepts are still very vague. The concept of Internet finance has just emerged, and Yuanfang is only in the pilot stage, and no one has pursued it. What is the difference between consumer loans and small loans?

...

The traditional financial industry has seen this trend and change.

The emerging field of Internet finance,

Also saw this change.

The country is supporting them in seeking change!

From the gray area at the beginning, to being included in the national supervision, to the issuance of various licenses, to the private enterprise in the distance, which got the first consumer finance license...

All of these all show that Internet finance has entered the government's attention, and the government is also supporting it.

Without the support of the government, how could Yuanfang obtain the first consumer finance license of a private enterprise?

At the same time, it is enough to show that the government still has a lot of trust in Yuanfang.

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

As for private enterprises, there are still some troubles in the government's supervision of this aspect.

Now, Yuanfang can get the license and become a pioneer in the reform of the industry, which is enough to show that the government has great trust in Yuanfang. Otherwise, this kind of major issue related to the financial field will not be entrusted to Yuanfang to take the lead anyway.

For a while, many people's hearts began to shake.

...

People in the industry were shocked, and ordinary users were also a little surprised.

On this day, the words "consumer loan" appeared on the Wankaka mobile client software of many people.

Some curious people clicked in and took a look. After following the process for a while, they found that there was an extra word of how much in the interface of their mobile phone.

Some people feel unbelievable, online borrowing?

Nothing to mortgage?

No need to go through any formalities?

Then you can borrow money?

Today, when the concept of P2P loans has not yet emerged, it is hard for ordinary consumers to believe that they can borrow money easily without any collateral on the Internet.

...

plain.

In an unknown small company, Yang Yan looked curiously at the interface of the mobile phone. There was only a huge number on it, 10,000 yuan.

Yang Yan looked at the introduction carefully for a while, and then asked curiously to the colleague opposite: "Is it true or not? You don't need anything, and you can get a loan directly online? I haven't even met in person, and loan sharking is not that simple. Bar?"

The middle-aged female colleague on the opposite side was even more surprised than she was, and said strangely: "What loan? You have no money again? I said Xiao Yang, you should save a little..."

"Sister Zhang, it's not this one. Don't you also use Wanka? Look for yourself. Today's updated Wanka has a consumption loan entrance.

Just click in, activate it, and you can see how much money you can borrow.

I looked at the instructions, as long as the real-name authentication is enough, nothing else is required. It said that the loan will be credited in three minutes, and it will be directly transferred to the card. Is there such a cheap thing? "

"real or fake?"

The female colleague on the opposite side was even more surprised, and hurriedly opened her Wancard and looked at it for a while. After a while, Sister Zhang looked at Yang Yan suspiciously and said, "I didn't find the entrance, Xiao Yang, you must have been cheated, right?"

"No?"

Yang Yan was surprised and said: "Why not, it's on the front page, I saw it as soon as I entered, I'll take a look at yours..."

After speaking, Yang Yan looked at Sister Zhang's mobile phone with her head, but after searching around, she still couldn't find the entrance of the consumer loan, Yang Yan said depressedly: "No way, Sister Zhang, you haven't updated the version, have you?

I didn't have it before, I only had it after updating the version in the morning. "

"I updated it, the version updated this morning, Xiao Yang, show me yours..."

While Sister Zhang was talking, the others also looked at their mobile phones.

After a while, someone in the office said, "I have it too. It's really true. It shouldn't be a fake. Wanka is an industry far away."

"You have it too? Why don't I? Xiao Yang, Xiao Chen, help me to see it too..."

"Me neither. It's strange. Could it be that the updated version is different?"

"We seem to have only Xiao Yang and Xiao Chen in our office. Are you guys being deceived?"

"It's not possible..."

Everyone was discussing, at this time, Yang Yan who had spoken before suddenly said: "I seem to have an introduction on it, saying that some of the pilot Wanka users have good credit, have shopping records in Yuanfang Mall, and Yu'ebao have managed money. , will have the opportunity to open a consumer loan.

I have been shopping in Yuanfang Mall for the past few years, and I have saved 20,000 yuan in Yu'e Bao. Could it be because of this that it was opened? "

Another registered user also hurriedly said: "Me too, in our office, Sister Yang and I do a lot of online shopping, and I also saved money in Yu'e Bao, 50,000!

This consumer loan should have something to do with these things. My amount is a little higher than Sister Yang's, 20,000 yuan. "

"Is that so? What is Yuanfang doing? Do you treat them differently? We are also loyal customers of Yuanfang, but we usually like to go to Yuanfang supermarket for shopping, and we don't shop online. You all opened it, but you didn't open it for us..."

Someone said with some jealousy that people are actually afraid of comparison.

No matter what it is, if you have it and I have it, everyone will be in balance.

But you have it, but I don't, so others are a little unbalanced.

In the office, many people are Yang Yan's seniors, and even their supervisors.

As a result, the two of them owned the entire office, and their supervisors were not very happy if others didn't talk about it.

Just Xiao Yang and Xiao Chen, with low salaries, lavish spending, and few deposits, actually became VIP customers from far away.

These people have much higher wages than Xiao Yang and the others, but they are not VIP users. This kind of poor level naturally makes people feel bitter.

Yes, in their minds, those who have opened up consumer loans at this time are obviously VIP users from far away, and those who have not, of course not.

Yang Yan's supervisor felt a little sour, and said without any intention: "It's hard to say whether it's true, 100 million yuan is not a small amount, and if you have money from afar, you can't be so generous, right?

Is it possible to disburse the loan in three minutes without even making a face-to-face call?

By the way, is it free or does it charge interest? "

"Collect interest, five ten-thousandths per day..." Before Yang Yan could finish speaking, Xiao Chen suddenly said, "Four ten-thousandths per day..."

Now, other people are even more curious, the two people have different interest rates?

Yang Yan was also puzzled: "You four out of ten thousand?"

Xiao Chen nodded with a smile on his face and said: "Well, I just read it, and the agreement says that the interest is between 3/10,000 and 5/10,000.

According to the personal credit rating and consumption records, everyone will enjoy different interest rates.

I probably do a lot of shopping in distant places, so the interest rate is lower.

Four ten-thousandths, the interest rate is not high..."

At this time, private loans had high interest rates, and 50% annual interest rate was normal.

As for bank loans, although the interest rate is not high, most people can't borrow it at all.

At this time, in second- and third-tier cities, credit cards are not yet popular, and credit card overdue interest rates are also very high, plus late payment fees, revolving interest, even higher than private loans.

Wankato gave Xiao Chen an interest rate of 4/10,000, and Xiao Chen naturally felt that it was not high, let alone Yang Yan who was next to him at 5/10,000.

The others were not in the mood to work at this time, and someone said: "Xiao Yang, Xiao Chen, how about giving it a try?

Whether it is a lie or not, just try it and you will know.

Anyway, the interest rate is not high, and it only costs a few dollars a day to lend them all.

By the way, can this money be withdrawn?

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

Nowadays, many store promotions are also a gimmick, saying that they are giving you coupons, but in the end you have to go there and spend as much as you want..."

Xiao Chen immediately said: "No, the above said that if you borrow money, the money can be directly transferred to the bank card, within three minutes."

"Directly to the card? 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 fees, and you can't get all of them..."

Xiao Chen hurriedly said: "Really, that's what the above said, and this is Li Dong's company, so it shouldn't be a lie.

20,000 yuan is nothing to Li Dong, and I'm afraid he won't pick it up if he drops it on the ground. "

"Can it be the same? Xiao Chen, why don't you give it a try? Didn't you say before that you wanted to renovate your house?

If you really want to be able to get a loan of 20,000 yuan, you don’t need to go to the bank, plus the money you have on hand, it’s almost enough.

It really doesn’t work, if you borrow it and then repay it, you really have to charge interest, can we help you pay it?

Try it to see if it is true, 20,000 yuan, only 8 yuan a day, I just read it, it said that the repayment can be made at any time, if not, it will be paid back immediately. "

"Yes, Xiao Chen, let's try it, it's just a matter of a few dollars."

Others began to persuade him one after another, Xiao Chen hesitated a little now, and after thinking about it for a while, he said, "How about I borrow 100 to try first?"

"Can I borrow 100?"

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

As Xiao Chen said, he breathed a sigh of relief, and tried to borrow 100. If he could borrow it, the 20,000 yuan would really help him a lot.

The family house has been preparing for renovation, but all my belongings, now only tens of thousands of dollars in Yu'e Bao, are not enough.

The husband's wages are all used for the family, and both parents are not rich.

Looking for a bank, the bank does not have the option of a decoration loan now, and the procedures are too troublesome. It is not worthwhile to go to the bank for 20,000 to 30,000 yuan.

If Yuanfang can really borrow money without going through the process, then maybe the house can really be renovated this time.

Anyway, she just read it, and she can pay it back in installments, up to three years, and a little bit a month, which is not too much pressure on them.

With an attitude of giving it a try, Xiao Chen started to operate.

After a while, Xiao Chen raised his head and said, "I borrowed it. It said it was transferring money. I wonder if it can be transferred to my card?"

At this time, not only other people were concerned, but Yang Yan who was opposite was also concerned.

She still has a quota of 10,000.

If I could borrow it, I would have the money to buy the necklace I was looking at last time, and when I got my salary later, I would just pay it back in a few months.

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

In fact, the supervisor is also a little anxious at this time. At this time, she actually hopes that the money will not arrive. It would be better if it was a scam.

Otherwise, the subordinate is more trustworthy than her, the supervisor, and more trustworthy in a distant place, so it would be a shame to say it.

Just as everyone was expecting, about two minutes later, Xiao Chen's cell phone rang suddenly. Looking at the screen of the phone, Xiao Chen said pleasantly, "It's really arrived!"

In the past, the bank card SMS notification service was only promoted among large customers, but with the passage of time and the demand for Internet payment, major payment companies are now negotiating cooperation with banks.

The SMS notification service is also becoming popular now.

The moment he saw the text message, he saw that there was really 100 yuan more in his account balance. Xiao Chen was very happy and said: "Li Dong's company is different, there are no procedures, and the money will arrive in a few minutes." billed.

If this takes the money and runs away..."

Having said that, Xiao Chen immediately said: "Of course, I will definitely pay back the money I borrowed, it's just a few months, and it's a temporary emergency.

Didn't expect it to arrive so quickly.

The business of Wankatong can be regarded as a solution to the urgent need. Unexpectedly, Li Dong's own company just finished throwing money away and started throwing money out again. "

Xiao Chen was emotional for a while, and the others were also thinking about it at this time. They didn't expect that the account would arrive as soon as it was said, and it would arrive so soon!

It's a pity that among the people present, except for Yang Yan, no one else has opened this project. At this moment, they can only see Xiao Chen and Yang Yanxi smiling, and everyone feels a little uncomfortable.

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

Xiao Chen shook his head and said: "I really don't know about this, but I bought about 20,000 to 30,000 things online, and they were all practical things, no different from going to the supermarket.

By the way, there is Yu'e Bao deposit. If there is deposit, I think it should be able to open it. Why don't you give it a try? "

"Yebao, online shopping..."

Some people who haven't signed up are thinking about whether they should go online to buy some things, and then deposit some money in Yu'e Bao.

Otherwise, now I can only watch Xiao Chen and the others show off their power.

...

On this day, not one or two people have such doubts and unbelief.

And Yang Yan was not the only one who was thinking about going to the distant mall to do some shopping.

As for the pilot users, they were active or passive on this day, and many of them opened up consumer loans.

Many people have even started their loan journey.