Chapter 1558 (2/2)

You can get a license, not only compliance, but also leverage.

In other words, once they get the small loan license, they can use not only their own money, but also some provisions.

Of course, the leverage is also limited.

What can really achieve high leverage and small restrictions is actually the consumer finance license plate.

Consumer finance license plate, a consumption, represents a lot of things.

This is in 2008, the economic crisis, the state in order to promote stimulating consumption, just put out the new policy.

Consumer finance, including automobile consumption, education consumption, decoration consumption, tourism consumption

In short, except for housing loans, all other consumer loans, as long as you get this license, you can do it, not limited to a certain field.

Ma Yun said that the small loan license plate, in fact, is very limited, including the amount of money.

Consumer license covers many fields, and the conditions for obtaining a consumer finance license are higher than those for all licenses.

Once Li Dong's application is successful, then, Wan cartoon can do a lot of business.It is no longer the early illegal operation, but seriously treat myself as an online bank, which is in compliance with the regulations.

Of course, the application requirements for consumer finance licenses are also very high.

Otherwise, Li Dong would not say that he was different from others.

What are the conditions?

First, the total assets of financial institutions as sponsors at the end of the year should not be less than 60 billion yuan; second, the revenue of non-financial institutions should not be less than 30 billion yuan.

What is the concept?

The concept is that the three bat companies together have an annual revenue of less than 30 billion.

How to apply?

, especially Ali, has stripped Alipay, and if it does not take Ali as its initiator, but Alipay alone as its sponsor, Alipay will earn 30 billion of its annual revenue.

Revenue, that is the actual performance of the enterprise, not the running water. This is different.

Therefore, today's domestic Internet enterprises, including Internet Payment institutions, none of them meet the requirements, and the gap is still very large!

Unless they don't take themselves as sponsors, there will be another problem, the problem of shareholders!

In the distance, there are no such restrictions.

Wan cartoon can apply with remote holding as the controlling party as the initiator. The revenue and assets of remote holding, which is the current remote group, exceed the requirements.

If you apply from afar, there is a great possibility of passing the application. The only defect lies in the fact that the establishment time of wancartoon is not too long, and it can not produce a perfect financial report.

Of course, these problems are not big in fact, and they are much simpler than the hard conditions.

Remote is currently applying. Once it is approved, it can officially lend to foreign countries.

And with these licenses, especially consumer finance licenses, there are more things that can be done.

General small loan license plate, can support two to three times of leverage on the top of the sky.

Your capital is 100 million yuan, and the maximum loan is 2.3 billion yuan, which is extremely risky.

Consumer finance, because of its short cycle and high leverage ratio, can generally support five to ten times of leverage.

You have a capital of 100 million yuan, and you can make a loan of 1 billion yuan.

Of course, this requires a lot of risk, but in fact, the risk is much smaller than that of small loans.

Once he has obtained the consumer finance license from afar, Li Dong can regard himself as a bank. It is a commercial bank, not a private bank with great limitations.

He said this, the other people are ugly, Ma Yun is in the heart secretly scold, bully people is right!

He had forgotten this, and now he remembered that he didn't really need to fight for those policies and conditions as they did from afar. There was capital behind them!

No wonder Li Dong is not in a hurry. No wonder Li Dong is very leisurely.

Ma Yun is still wondering whether this guy has forgotten this stubble and is waiting here!

What's more, since Li Dong said it, it means that he has a great hope of getting hold of it, otherwise he would not say it now.

Just as Ma Yun was thinking about things, Li Dong said with a smile, ”I'll go ahead this time, but don't be discouraged.

I won't monopolize the Internet financial market, and I don't have that big appetite.

In fact, I can't get it alone. Many industrial companies can.

However, they do not understand this line of work, and dare not do it.

It's OK. I'm waiting for you professionals to get jobs.

As long as you meet the requirements, you can also apply. At that time, we will grab the business of the bank and let them restrict us every day.

In the future, in addition to the mortgage can not do, we and the bank have no difference.

And Internet banking, which is in line with the current trend, I believe that the market is still very large, perhaps larger than the market of physical banks.

Of course, you can get other license plates, but it's not much different... ”

He said that's what he said, but the others were going to curse their mother.

It's exciting again!

Can other licenses and consumer finance licenses be the same?

The scope is different!

Ma Yun slowed down at this time, staring at Li Dong: ”so you are fooling us from the beginning?”

Li Dong is surprised: ”what flicker?”

”You should have made up your mind before. As a result, yu'ebao is going to die...”

”Yu'ebao has nothing to do with this. The two are not integrated. One is monetary fund and the other is consumer loan. It's irrelevant. What do you want to do?”

”You...”

Ma Yun is angry. It doesn't matter, but is it really OK?

Ma Yun dares to guarantee that once ten thousand cartoon starts to make consumer financial loans, the user's money will only be deposited in yu'ebao. I'm afraid that the future consumption will be in the distant mall.

After all, is the money borrowed from ten thousand cartoons still go shopping?Moreover, Li Dong is bound to have plans and restrictions.

Sure enough, Li Dong said with a smile: ”I think about it. Since the government wants to see us do a good job in supervision and risk control, it must do a good job!

Therefore, our credit rating system may be launched in the near future.

I hope you can join us. After all, it is difficult for a remote company to collect all the data. If we join in, we can control all the business data related to Internet Finance on the Internet.

In the future, in the distant industrial system, there are consumption, loans and deposits, which we can all check and establish a personal credit system.

In this way, it will be much easier to do, and the risk control will be much easier... ”

This word a, other people are OK, Ma Yun facial expression is a change.

Once Li Dong's credit system is established and the consumer finance license plate is released, all those who shop or consume from afar, or others, will be included in the credit system for rating.

Some users, considering that they may need loans in the future, may prefer products from afar.

After all, it's useless to spend money on shopping. It's too wasteful to borrow money.

Although not everyone needs loans, just like not everyone needs credit cards, but in this society, there are too many people who need these!

If nobody really needs it, it won't generate so much banking every year.

Ma Yun took a deep breath and looked at Li Dong and said, ”do you want to say that you are sure to win?”

Li Dong said innocently: ”I didn't do much to you, did I?

You're pulling me to talk. Don't I explain the situation to you?

What's more, this is our plan. I have said it many times before, especially the establishment of credit system, which I have said a long time ago.

But, because of some reasons, I didn't do it in time.

Now when I tell you this, you think I'm provoking you?

Old ma, just be careful. When can I change it.

Besides, Ali is on line. What's the big deal.

Isn't the big data industry not finished yet, and data processing is troublesome.

Is it not that the industrial chain is scarce and the credit system is not easy to do.

It's just that we didn't get the consumer finance license. We couldn't do some business.

It's just that you don't have money. It's a small scale.

What's in this?

We all do it step by step. No one is a big Mac in the beginning, right?

Old horse, be confident. I believe in you. You can definitely surpass me. I am optimistic about you

”Get out of here

Ma Yun was really angry this time. He went wrong and went wrong.

He originally just wanted to pull Li Dong together and borrow Li Dong's prestige to make everyone profit, especially Ali.

Ma Yun pulled other people, in fact, there are also some meaning of forcing the palace.

We all hope that you can stand up. If you don't, you will offend all your colleagues.

But it turned out to be good. Now Li Dong refused simply, not because he didn't do it. He had already finished and was now opening the way for everyone.

At this time, what else can be said?

Li Dong was ridiculed again. Ma Yun was speechless in addition to calling on him for being stupid!

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