Rebirth

The

Soon.

End of chat.

Tang Qing got up, walked to the floor-to-ceiling windows, looked at half of the park’s scenery, and took a sip of hot tea. Flower chant, borrow it, was born five years earlier.

Premature delivery?

No.

Exactly.

The popularity of mobile Internet has aggravated the development of e-commerce. Only after the credit system has gradually matured and the policies have been opened up have such financial services become available.

Obviously.

With his help.

4G.

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

At the same time.

Smart phones in the true sense came out three years in advance, and in the era of the thousand yuan smartphone, it was almost four years ahead of schedule.

Therefore.

Not premature.

. . .

The future.

Ali has a way to make money. At first it will not be too much, but the snowball is getting bigger and bigger. It is no problem to earn 3-50 billion a year.

And.

This is still the domestic market.

Add foreign countries.

If it develops well, it will be a huge number in a year. Although tens of billions are a little dangling, 188 billion is still imaginable.

Actually.

He can also do it, such as a money lending institution, that is, the original funder, using a small financial service group instead of Ali’s Ant Financial.

However.

I still gave up.

First.

Anyway, we are Ali’s largest shareholder, and we are involved in everything, making it seem like we have no way to make money. Second, it’s really not good.

Ten billions.

Is there more?

The unit is still Renminbi.

Third.

Tang Qing is actually doing it too, Xiao Xiao, WeChat, Toutiao. . . The personal loans of these platforms are naturally used by his loan companies.

Just.

Consumer finance such as Huabei is not involved, and information sharing, such as borrowing at Ant Financial, will reduce the amount of money in Little Financial.

In short.

All in order to avoid expanding debt.

Otherwise.

Someone has too many loans, but not yet, and in turn scolds the platform that they should not lend that many money to him. Such a thing will happen 100%.

Helpless.

None can say that the other party is wrong.

After all.

It’s like a piece of cake, swaying in front of people’s eyes, making people salivate, and finally eating to a mouthful of bear to bear, then regret, saying that you hook him with food.

strictly speaking.

Yes.

But.

You cannot deny this business behavior.

For this.

All 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 borrower’s risk, he also controls his own risk.

. . .

At this time.

Jingdong Baitiao is currently in preparation. It will be online for at most a month. After all, behind it, there is a powerful ERV.

Money.

Not missing.

ERV Commercial Bank has already opened a branch in China, but its reputation is not obvious, because like other foreign banks, there are fixed deposit restrictions.

Each stroke.

500,000 Renminbi.

Therefore.

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

Technology.

No problem.

Well!

Good!

Tang Qing is getting more and more like this kind of ‘swapping left and right’ taste, but it doesn’t seem to be counted because the groups on both sides are not the same.

Also.

ERV is the penguin of the majority shareholder.

This time.

It doesn’t matter. The existence of micro-loan, even in the previous life, is too low. This life and WeChat are taken away by ourselves.

So.

Penguin does not need to be blended. Its positioning is still in the game. With the support of ERV’s game development, Penguin can sit firmly in the domestic game industry.

. . .

31st.

Early morning.

Alipay update.

“Flower chanting? What is it?”

Many people are puzzled and clicked to take a look, and quickly understood what is going on, “This is not a credit card, but an electronic credit card.”

Immediately.

Many people see the essence.

So.

Curious.

Filling in the information according to the process and submitting the application, almost immediately, the quota comes out. The speed is fast, which makes many people shout:

“So fast!”

Then.

I saw my quota.

“Five thousand?”

“Not many, I applied for a credit card and said less than tens of thousands, but yes, this is a private platform after all, without bank capital.”

Many people make up a reason.

Because.

This is a fact.

Next.

Learn more.

“It turns out that the amount can be increased in the future, which is good and very user-friendly. Although the amount is not large, it can be spent first, and it will be paid next month and without interest.”

“Yi!”

“There is another excuse.”

“Wow!”

“This is good, this is good, for the urgent use of money, this is timely rain, no need to ask people to borrow, causing trouble to others.”

“Not bad.”

“Unfortunately, I only have 10,000, don’t worry, take it slowly, the daily interest rate is five ten thousandths, which is quite high, but it’s okay, unlike a credit card, it also has a purpose.”

“Whatever you want.”

Many people like it.

After all.

Who borrows money when there is no urgent use of it? Doesn’t the mentality of the other party’s mentality when he was borrowed money? Credit card, but cannot withdraw 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 finger, you can get to the account, which is convenient and fast, and five thousandths is the maximum amount, as mentioned above, if the credit is high.

The minimum can be two in ten thousand.

That’s it.

It’s conscience.

Soon.

“Yi!”

“WeChat has also been updated.”

“Oh!”

“Sure enough, it is the same as Ali. It turned out to be the same as Ali. It launched a cash loan. Yes, yes. This is much better than the bank.”

Everyone knows the difficulty of borrowing money from banks.

. . .

Online.

“This function is too good, just pay the salary next month, and now I have empty pockets, I want to buy a computer, this time, do not have to wait until next month.”

“Really, it’s useful.”

“Agree.”

“Interest is also suitable, interest-free this month, and instalment interest is not high. Compared to credit cards, it is much more convenient and earns no more than bank credit cards.”

“For spreading?”

“Money comes at a cost. Banks absorb deposits from depositors, what is the interest rate? Ali’s financing costs, let alone commercial interest rates.”

“Oh.”

“Still earn by the bank.”

“That is.”

“Ali makes hard money, and the threshold for disbursement is much lower than that of credit cards. For the urgent need of tens of millions of dollars in small turnover, it is good.”

“Uh huh!”

“…”

A compliment, we don’t think much about the risks, because. . . The amount is really not much, thousands of dollars, who can’t afford the same?

Of course.

There are also dissatisfaction, such as student groups.

University.

On both platforms, the amount of flowers is very fixed, only one thousand. All of this group are the same. If you want more, you can only wait for university to graduate.

For this.

There are a lot of complaints.

But more, it is approval, 1000, for the overwhelming majority of students, it is a month of living expenses, no matter how much, it really can not afford.

They don’t know.

Actually.

at first.

Everyone has discussed not giving a quota to university students. They don’t give anything at all. It saves them a lot of money. The cost of living is too high. Parents shouted dissatisfaction.