Chapter 2089

Soon.

End of the conversation.

Tang Qing got up, went to the French window, looked at half of the park's scenery and sipped a sip of hot tea. Huabei, jiebei, was born five years ahead of schedule.

Premature delivery?

No.

Exactly.

The popularity of mobile Internet has intensified the development of e-commerce. Only after the credit system has matured and the policy has been open, can such financial services be provided.

Obviously.

With his help.

4G。

Five years ahead of schedule. In the previous life, 4G was only launched in 2013 in China. In this life, 4G license was issued two years ago.

At the same time.

In a real sense, smart phones were launched three years ahead of schedule, and the era of 1000 yuan smart phones was almost four years ahead of schedule.

So.

It's not premature.

。。。

The future.

Ali has an extra way to make money. It won't be too much at first, but the snowball is getting bigger and bigger. It's OK to make 35 billion yuan a year.

And then.

This is still the domestic market.

Plus foreign countries.

If the development is good, a year will be a huge number. Although the tens of billions are a little bit in suspense, we can still imagine the value of 18 billion.

Actually.

He can also do it. For example, the lending institutions, that is, the initial investors, use small financial service groups instead of Ali's ant financial services.

But.

But still gave up.

First.

Anyway, we are Ali's largest shareholder. We have a foot in everything. It seems that we have no way to make money. Second, we really don't look at it very well.

Ten billion.

More?

The unit is still RMB.

Third.

In fact, Tang Qing is also doing small, wechat, headlines... The personal loans of these platforms are naturally used by his loan companies.

It's just.

It doesn't involve consumer finance such as Huabei. Moreover, information sharing, such as borrowing in ant financial services, will reduce the quota in small financial services.

All in all.

All in order to avoid debt expansion.

Otherwise.

Some people have more loans, but they can't pay them. In turn, they scold the platform for not lending them so much money. This kind of thing will happen 100% of the time.

Helpless.

You can't say the other person is wrong.

After all.

It's like a piece of cake, dangling in front of people's eyes, which makes people salivate. Finally, I can't help but take a bite. Later, I regret that you hook him with food.

Strictly speaking.

That's right.

But.

Therefore, we can not deny this kind of commercial behavior.

In this regard.

What he can do is to control the scale, mainly to solve the embarrassing problem of small and medium-sized funds. In addition to controlling the risks of borrowers, it is also to control their own risks.

。。。

At this point.

Jingdong Baitiao is now in preparation. It will go online in a month at most. After all, behind it, stands the powerful ERV.

Money.

There is no shortage.

The Commercial Bank of ERV has opened branches in China, but its reputation is not obvious because, like other foreign banks, it has fixed deposit restrictions.

Each.

Five hundred thousand yuan.

So.

Ordinary customers are out of reach. ERV owns more than 40% of the shares of JD. It is not easy for JD to borrow.

Technology.

No problem.

Yeah!

Good!

Tang Qing is more and more fond of this kind of "left and right fighting" flavor, but this does not seem to count, because the groups of both sides are not the same.

And then there is.

ERV is the penguin of big shareholders.

This time.

It's nothing. The sense of existence of micro credit is too low even in the previous life. In this life, wechat has been occupied by itself.

So.

Penguins do not need to be involved, its positioning is still in the game, with the support of the game development of ERV, penguin can be the first in the domestic game industry.

。。。

31.

Early in the morning.

Alipay update.

"Huabei? What? "

Many people doubt, point in a look, quickly understand what is going on, "this is not a credit card, just an electronic credit card."

Immediately.

A lot of people see the essence.

So.

With curiosity.

According to the process of filling in the information and submitting the application, it is almost an instant that the quota comes out. The speed is so fast that many people cry out in their hearts"How fast

Then.

You see your quota.

"Five thousand?"

"Not much. I applied for a credit card and said at least tens of thousands, but it's right. After all, it's a private platform, and there's no bank capital."

A lot of human brains make up a reason.

Because.

This is the truth.

Then.

Learn more about it.

"The original follow-up can increase the amount, good, very humanized, although the amount is not much, but can spend first, next month, no interest."

"Why

"And a loan."

"Wow

"This is good, this is good. When money is in urgent need, it is timely rain. You don't need to ask people to borrow it, which will cause trouble to others."

"Not bad."

"Unfortunately, I only have 10000 yuan. Take your time. The daily interest rate is 5 / 10000. It's very high, but it's OK. Unlike credit card, it's also regulated."

"Anything."

A lot of people like it.

After all.

Who borrows money when there is no urgent need? The other side is borrowed money psychology, oneself psychology does not point? Credit card, but not cash.

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

The process is troublesome.

Now.

As long as you move your fingers, you can get to the account. It's convenient and fast. And five out of ten thousand is the maximum amount. As mentioned above, if the credit is high.

The minimum can be two in ten thousand.

That way.

It's just a conscience.

Soon.

"Why

"Wechat has also been updated."

"Oh

"It's really the same as the advance and retreat. It's actually the same as Ali. It's good. It's good. It's much better than the bank."

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

。。。

Online.

"This function is too good, just next month pay, now empty pocket, want to buy a computer, this, do not have to wait until next month."

"Yes, it works."

"Yes."

"The interest is also appropriate, this month interest free, installment interest is not high, compared with credit cards, a lot of convenience, and no bank credit card to earn more."

"For SA?"

"Money has a cost. What's the interest rate when banks take deposits from depositors? Ali's financing cost, at least is the commercial loan interest rate. "

"Oh."

"It's still the bank."

"That's it."

"Ali makes a lot of hard money, and the threshold of lending is much lower than that of credit cards. For the urgent need of tens of millions of dollars, small turnover, is a big advantage. "

"Mm-hmm!"

“。。。”

There is a lot of praise. We don't think much about the risks, because... The quota is really not much, thousands of yuan, who can not afford the same?

Of course.

There are also dissatisfaction, such as student groups.

College students.

On the two platforms, the quota of Huabei is very fixed, only 1000. All of the groups are the same. If you want more, you can only wait for university graduation.

In this regard.

make complaints about many things.

But what is more, they agree that a thousand yuan is a month's living expenses for the vast majority of students.

They don't know.

Actually.

At the beginning.

We have discussed not to give college students a quota, not a cent, in order to avoid spending more money, living expenses exceed, parents clamour dissatisfaction.

But.

It's a decision. Here it is.

One thousand.

No more points. This is the total quota of the two platforms. After all, the University, already half pedaled into the society, has the independent thought.

It is not a good thing to deny its credit.