Chapter 1579 (1/2)
Ma Yun's guess seems to be coming true.
On July 6, a cartoon update was carried out in the distance.
This time, ten thousand card update, added a function, ten thousand cartoon consumer loan.
This time, not all users have opened the consumer loan business, but some loyal users of ten thousand cartoon, who have consumption records in ten thousand card and have established credit system, have been opened consumer loan business as a pilot.
On the 6th, there were not too many consumers who were eligible for consumer loans, with less than 50000 in total.
And the opening quota is not too high, about 3000 yuan per capita.
Ten thousand card consumer loans, a total loan balance of 150 million, and at the moment some large loan companies and well-known small loan companies compared to the amount of more than one billion, not too impressive.
However, this is the first time that formal online consumer loans have emerged in China.
Getting the consumer finance license from afar means that there are no loopholes and violations in the remote ten thousand cartoon consumer loan. This is the first enterprise to obtain the official license and conduct online personal loan.
Fifty thousand people, compared with so many people in China, are somewhat insignificant.
However, the emergence of ten thousand cartoon consumer loans has surprised many people.
Internet Finance seems to increase the pace of eroding traditional finance.
Payment business, savings business, settlement business, including the current loan business, as well as the emergence of virtual money fund products.
All are announcing that Internet finance has involved more and more fields, and even has the trend of covering the whole field of traditional financial business.
The consumer loan of ten thousand cartoon is different from Huabei, but it is more like borrowing.
In fact, it has involved the small loan business.
However, at the moment, these concepts are still very vague. The concept of Internet finance has just emerged, and there is no one to investigate the difference between consumer loan and small loan.
……
The traditional financial industry has seen this trend and change.
The emerging field of Internet finance has also seen this change.
The country is supporting them to change!
From the initial gray area, to the incorporation of national supervision, to the issuance of various licenses, to this private enterprise far away, it has obtained the first consumer finance license
All this shows that Internet finance has entered the sight of the government, and the government is also supporting it.
Without the support of the government, how can we get the first private enterprise's consumer finance license from afar?
At the same time, it is enough to show that the government still has a great degree of trust in the distance.
Generally speaking, the reform of this emerging industry will be led by state-owned enterprises. After all, state-owned enterprises can better control and guide, and it is easier to stop losses in time.
However, there are still some problems in the supervision of private enterprises by the government.
Now, it is enough to show that the government has great trust in the distance if it can get a license from afar and become a pioneer in the reform of the industry. Otherwise, this kind of major event related to the financial field would not be handed over to the remote to dominate in any case.
For a while, many people began to shake in their hearts.
……
People in the industry are shocked, and ordinary users are also surprised.
This day, many people's ten thousand cartoon mobile phone client software, appeared the words of consumer loan.
If you are curious, click in and have a look. After a little operation along with the process, you will find that there are more words in the interface of your mobile phone.
I can't believe it. I can't believe it?
No mortgage?
You don't have to go through any procedures?
And then you can borrow money?
In today's P2P loan concept has not yet arisen, ordinary consumers, it is difficult to believe that on the Internet, they can borrow money easily without any thing or mortgage.
……
Hirakawa.
In an unknown small company, Yang Yan looked at the mobile phone interface curiously. There was only a huge number, 10000 yuan.
Yang Yan looked at the introduction carefully for a while, and then said to her opposite colleague: ”really? What things do not need, can be directly online loans? I haven't even seen you. It's not so easy to borrow money from usury? ”
The middle-aged female colleague on the opposite side was even more surprised than her, and said strangely, ”what kind of loan? You're out of money again? I said, Xiao Yang, we should save a little... ”
”Sister Zhang, it's not this one. Aren't you also using ten thousand cartoons? You can see for yourself that there is a consumer loan entrance on today's updated ten thousand card.
Click in on the line, open, you can see how much money you can borrow.
I read the instructions. As long as the real name authentication is OK, nothing else is needed. It is said that borrowing money will be paid in three minutes and directly to the card. Is there such a cheap thing? ”
”True or false?”The female colleague on the opposite side was even more surprised. She quickly opened her own cartoon and watched it for a while. After a while, elder sister Zhang looked at Yang Yan suspiciously and said, ”I didn't find the entrance. Xiao Yang, don't you have been cheated?”
”No?”
Yang Yan was surprised and said, ”how could it not be? It's on the home page. I saw it as soon as I went in. I'll look at your...”
With that, Yang Yan looked at elder sister Zhang's mobile phone, but she did not find the entrance of the consumer loan. Yang Yan was a little depressed and said, ”no, Sister Zhang, you didn't update the version?
I didn't have it before. I only had it updated in the morning. ”
”I've updated the version in the morning, Xiao Yang, show me your version...”
Elder sister Zhang said this way, others also looked at their mobile phones.
After a while, in the office, someone said: ”I also have, really, should not be a fake, ten thousand cartoon is a distant industry.”
”You too? Why didn't I? Xiao Yang, Xiao Chen, help me to have a look... ”
”I don't have it either. It's strange that the updated version is different?”
”It seems that Xiao Yang and Xiao Chen are the only ones in our office. You are not deceived, are you?”
”Not so...”
At this time, Yang Yan, who had opened her mouth before, suddenly said: ”I seem to have an introduction here. It says that some of the ten thousand cartoon users who have good credit, have shopping records in distant shopping malls, and those who have financial management in yu'ebao will have the opportunity to open consumer loans.
I've been shopping in distant shopping malls these years, and yu'ebao has also saved 20000 yuan. It's not because of this that I opened it up? ”
Another user who opened the account also said in a hurry: ”me too, our office, I and sister Yang online shopping more, I also saved money in yu'ebao, saved 50000!
This consumer loan should have something to do with it. My quota is higher than that of sister Yang. It's 20000 yuan. ”
”Is that so? What's going on in the distance? Are they treated differently? We are also loyal customers from afar. We just like to go to the supermarket in the distance for shopping. We don't have online shopping. You have opened it, but you didn't open it for us... ”
Some people said with envy that people are afraid of contrast.
No matter what you have or I have, everyone's mind is balanced.
But if you do, I don't, then others will be unbalanced.
In the office, many people are Yang Yan, their predecessors, and even their supervisors.
As a result, both of them have the whole office. If others don't say so, their supervisor is not very happy.
As for Xiao Yang and Xiao Chen, their wages are not high, their spending is extravagant, and they have few savings. They have become VIP customers from afar.