Chapter 1585: The Geese Pass the Hair-Plucking Li Dong

If it is said that the consumer loan launched by Yuanfang first is to attract users' attention.

After all, having cash in hand will make many people believe in the authenticity of consumer loans.

Then on the 7th, Yuanfang once again launched a trial operation of an exclusive loan similar to Huabei, so some pictures will be seen!

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

The role of Huabei is naturally real consumption. Consumption in Yuanfang's industries is called exclusive loan.

In fact, this is to prepay everyone's consumption potential in advance and promote users' consumption **.

In Yuanfang Mall and Wanjia.com, exclusive loans can be used directly as money, and enjoy the same interest-free period as credit cards.

For users who do not even have credit cards nowadays, they can spend money and buy things from far away for free. Where can such a good thing be found?

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

As for the later stage, that is also a later matter.

When the special loan appeared, compared with the huge sales system of the mall, it seemed that there was no increase on that day.

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

On the 7th, the number of users who opened the exclusive loan was a little more than the previous consumption loan users, reaching 100,000.

And on the 7th, more than half of the users have opened the exclusive loan business. On that day, some users used the exclusive loan for shopping and other consumption in order to find novelties.

There are more than 20,000 users who use Zhanxiangdai, and the amount exceeds 2 million yuan!

On the first day, there were not too many users who opened it, and it is still in the trial operation stage. Many people can't even understand these concepts. However, on the first day, 20,000 people used the exclusive loan, and the amount used exceeded 2 million yuan, which is already very shocking.

...

Remote headquarters.

Cao Jinsheng, the president of Yuanfang Finance, said with a face full of fear: "I suspect that the user has not fully figured out what this thing is until now, so he dares to use this money to shop?"

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

Such unrestrained use, in the end, can the money be recovered?

Although not too much money has been released so far, few people actually use it.

But on the 6th, more than 5 million yuan was spent on consumer loans, and on the 7th, about 8 million yuan was spent on consumer loans and exclusive loans.

In two days, 13 million funds were spent.

Can the money really be recovered?

This is still the beginning, and in the future, the scale will increase, and more money will be released every day. Once there is a large area of ​​bad debts, what should we do?

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

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

These people have strong spending power in distant places, and most of them have deposits in Yu'e Bao under their names.

I feel confident about their repayment ability.

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

Bank credit cards are manually reviewed, and various information fraud has become the norm. The bad debt rate of credit cards is not high, let alone us?

Our consumer loans and exclusive loans are all compared and analyzed through a large database, and finally we opened them in a unified manner.

From this point of view, we actually have stricter risk control than banks.

As long as we do a good job in data analysis and auditing, in the end, we will definitely make money from these loans alone.

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

The key is that a large part of the money eventually flowed into distant places, and we collected secondary benefits.

Moreover, the emergence of exclusive loans will also greatly help the performance of our mall.

Today's 2 million exclusive loan consumption, of which at least 1 million or more, would not have been our performance in the first place.

But when users have a sum of money that does not seem to belong to them, at that time, everyone will subconsciously increase their shopping budget, and even those who are not ready to shop will think about shopping.

Everyone is like this. If you don't get the money, you feel worthless.

Now the scale is small and not too noticeable.

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

At that time, if we increase the shopping budget by 500 yuan per capita, we can increase our revenue by 100 billion yuan!

Collect their interest, collect their installment fees, and then earn them a fortune in performance, and then, our own funds will be used.

This is killing more birds with one stone! "

"This is called plucking wild goose..."

In the office, a relatively subtle voice came out.

Li Dong raised his eyebrows, looked at the people on the opposite side and said, "Why, you don't think it's right?

Do you still think that by doing this, we are encouraging consumers to overspend? "

Li Dong said with a little sarcasm: "As a business, who doesn't want their revenue to increase and their profits to increase?

Various commercial performances, various promotional activities, various store expansions...

Is it all a joke?

The ultimate goal is not to make money!

I am not breaking the law, I am not breaking the rules, and using normal means to expand our source of revenue has become a wild goose plucking hair?

It can only be said that you are too naive!

According to your thinking, everyone should stop doing business at all, because if you do business, then everyone has to buy things, and you have to spend money to buy things, then you are plucking wild goose.

To achieve this point, the company still has such a naive idea.

I have to say, you guys always disappoint me.

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

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

Without us, everyone has other ways and channels to consume.

If you choose usury, it will be ten times and a hundred times more terrible than us.

And let consumers spend their limited funds in a distant place, isn't it something we should and must do?

It is enough for me to hear such childish remarks once, and I don't want it to appear a second time.

And to put it bluntly, compared to others, Yuan Fang is at least conscientious enough.

At least, our products are genuine, with strict checks and strict audits. I dare not say 100% no problem when consumers buy things from us, but more than 95% of them are worth buying.

Letting consumers buy, consume, and shop here is actually helping them.

I won’t talk about these nonsense. All in all, it’s only July, and a simple trial survey operation will be done on July 18.

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

I hope that in less than a few months, our exclusive loan will exceed 10 million users and create more than 10 billion additional performance.

Victory is often accumulated in such a small amount.

Today we have given users one more choice and attracted one more user, which not only strengthens ourselves, but also weakens our opponents.

If this continues, sooner or later, others will be completely left behind by us. "

When Li Dong said this, he finally said: "So, next, Yuanfang Finance will continue to work hard.

Yu'ebao needs to absorb more funds, Wanka needs to promote more users, and consumer loans and exclusive loans need to increase a large number of user groups.

I have always said that I want to defeat Ali and defeat Pobao.

In fact, if Yuanfang Finance operates well and operates well, it may become the last straw that crushes Ali.

This point should not be ignored.

Although, now we are making a lot of noise, making big moves, and talking about mergers and acquisitions everywhere.

But it doesn't mean that I have to give up the IT industry and sit back and watch Ali grow.

Taking advantage of Ali's lack of licenses for microfinance and consumer finance, this is also our opportunity.

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

Everyone nodded one after another. As for who said "the geese have plucked their hairs" before, no one continued to care and pursue it.

Li Dong didn't pursue this, and said: "October, after the National Day holiday, there are still three months from now.

And three months later, Shen Qian might be about to give birth.

I hope, then you can give me a little surprise.

Yu'e Bao, I hope that the funds absorbed by that time will exceed 100 billion.

For exclusive loans and consumer loans, I hope to achieve a leverage of 10 times, which is a quota of 20 billion.

If all these points can be achieved, then Yuanfang’s e-commerce and Internet finance fields will make breakthroughs, which will provide powerful assistance and support for some of our follow-up plans.

This year is bound to be a year of great breakthrough for Yuanfang.

From the acquisition of Guomei in January, to the defeat of Teng Xun in May, to the listing of Weibo, and the formation of the retail industry alliance...

The 10-year annual meeting, I think, the world will definitely see a different distance.

And this year, personally, getting married and having children are also two great joys.

Both family and career can be successful, that is my greatest success.

I, Li Dong, also hope to be successful and become the final big winner. However, all this depends on me, and it will definitely not be possible.

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

That's all for now, let's keep up the good work.

Taking advantage of the fact that Ali has other companies that cannot obtain licenses at present, we are the only one in the market, and strive to occupy an absolute market share and advantage in a short period of time.

Once other companies catch up, our advantages will be weakened a lot. "

When Li Dong spoke, everyone looked serious, and many nodded quickly.

For the big wedding in June, Yuanfang actually gave Li Dong a few big gifts.

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

Teng Xun was defeated, and Yuanfang became the number one overlord in the IT industry.

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

Teng Xun is preparing to resume trading, and Weibo is preparing to go public.

In the past, the listing of Weibo actually had to be delayed until after September, but now Weibo’s IPO team is working hard to complete the IPO before Li Dong’s birthday, so that Li Dong can ring the bell for Qunar on his birthday And worry.

If this merger plan goes well, Yuanfang can even add some big gifts on his birthday.

In October, Li Dong's first child was born, and now Li Dong took the initiative to ask Yuanfang to send a big gift.

The value of several gifts will probably exceed everyone's expectations in the end.

And it's time to test everyone whether they can give this gift.

Nowadays, there is not enough time. Whoever 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 someone to give a gift.

But once the exclusive loan on the 7th came out, Ma Yun couldn't sit still.

He didn't expect that Yuan Fang's movements would be so fast.

For the consumer loan on the 6th, if Li Dong is earning interest money, then the exclusive loan on the 7th is just like the people in Li Dong’s office said at the time, "the wild goose has plucked the hair"!

What is being plucked is the hair of online shopping consumers, and it is the hair of all users from afar, including foreign users.

Once the hairs of these people are plucked far away, where will Ali go to pluck them?

Resources, money, these things are actually limited to consumers, and it is impossible for a person to consume without scruples.

It is completely different if Ali pulls it out again.

As soon as the exclusive loan came out, Ma Yun started to communicate on the phone in the office. There was really no way to delay this matter.

Otherwise, the longer the delay, the greater the trouble.

Ma Yun hadn't made up his mind before, but at this time, Ma Yun had made up his mind, looking for someone to cooperate with!

No matter what the result is, Yuanfang cannot continue to take the lead, otherwise, Ali's crisis will only become more and more serious.

On the day of the 7th, Ma Yun hardly ever went out and made countless phone calls in the office.

Enterprises such as Sulin and Bailian can cooperate and assist Ali in obtaining various licenses.

At the moment when the sense of crisis intensified, Ma Yun had no choice but to ignore the future interests, and it would be good if he could grasp the current ones.

And at this moment, Ma Yun was actually a little confused.

Li Dong, what do you want to do recently?

Before, he kept moving and finally took down Teng Xun. In the beginning, no one would target Teng Xun.

Now, the same is true in the distance.

All kinds of movements are frequent, and it seems that there are many movements, but in Ma Yun's view, they are actually serving a core purpose.

Is Li Dong's core goal really Ali?

Apart from Li Dong, few people would be able to figure this out.

If not Ali, then who?

At this time, Ma Yun was really looking forward to it, wishing he could go to Pingchuan now, grab Li Dong's neck, and question him, what exactly does he want to do?

But there are still 10 days left for Charity Night. I really want to see Li Dong, but I have to wait until then.

And for these 10 days, Ma Yun had to prepare a lot of things.

At least, at the charity dinner 10 days later, he won't be ashamed to be ridiculed by Li Dong.

That guy's temperament, he would be snarky when he had some grades, and when he met old enemies like them, he would be even more vicious.

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

(Only two updates, I'm dizzy recently, sorry.)