Chapter 1580 (1/2)

If we say that the consumer loan launched by far away is to attract the attention of users.

After all, cash is available, which makes many people believe in the authenticity of consumer loans.

On the 7th, we tried to operate again in the distance, and launched the exclusive loan similar to Huabei, which is a bit of a desperate situation!

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

The function of Huabei is, of course, real consumption, which is called exclusive loan when it is consumed in the industries under the banner of Huabei.

In fact, this is to advance everyone's consumption potential in advance, so as to promote the consumption desire of users.

In distant shopping malls and wanjia.com, exclusive loans can be used as money directly, and they can enjoy the interest free period like credit cards.

This is not even popular for credit card users, can spend money from afar, buy things from afar, where to find such a good thing?

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

As for the later stage, it was also later.

When the exclusive loan appeared, there seemed to be no increase in the sales system of the mall on that day.

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

On the 7th, the number of users who opened exclusive loans was a little more than that of previous consumer loans, reaching 100000.

On the 7th, more than half of the users opened the exclusive loan business. On that day, some users used the exclusive loan for shopping and other consumption in order to seek novelty.

There are more than 20000 users using the exclusive loan, and the amount is more than 2 million yuan!

On the first day, there were not too many users, and they were still in the trial operation stage. Many people could not understand these concepts. However, on the first day, 20000 people used the exclusive loan, and the amount used exceeded 2 million yuan, which was very shocking.

……

Distant headquarters.

Cao Jinsheng, the president of remote finance, was afraid to buy a channel: ”I doubt that users have not completely understood what this is by now, so they dare to use this money for shopping?”

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

In the end, can the money be recovered after such unrestrained use?

Although the money released is not too much at present, there are few people who really use it.

On the 6th, consumer loans or loans went out more than 5 million. On the 7th, consumer loans and exclusive loans consumed about 8 million loans.

In two days, 13 million was spent.

Can the money be collected?

This is still at the beginning. After that, when the scale is large, more money is released every day. Once there is a large area of dead accounts and bad debts, what should we do?

He was worried, but Li Dong didn't worry about it. He said with a smile: ”it's not something difficult to understand. It's just to advance the income in advance.

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

These people have a strong ability to consume from afar, and most of them have deposits in yu'ebao.

I feel relieved about their repayment ability.

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

Bank credit card, that is manual audit, all kinds of information fraud has become the norm, the bad debt rate of credit card is not high, let alone us?

Our consumer loans and exclusive loans are all compared and analyzed through large databases, and finally we open them in a unified way.

From this point of view, in fact, our risk control is more stringent than that of banks.

As long as we do a good job in data analysis and audit, in the end, we will certainly make money just by these loans.

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

The key is that a large part of the money eventually flows into the distance, and we collect the benefits for the second time.

And the emergence of exclusive loans, our mall performance will also cause a lot of help.

Today's 2 million exclusive loan consumption, at least 1 million of which would not have been our performance.

But when users have money that doesn't seem to belong to them, they will subconsciously increase their shopping budget. Even those who are not ready to go shopping will want to go shopping.

People are like this. If they don't get the money, they feel that they are not worth it.

Now the scale is small, not too obvious.

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

By that time, if we increase the shopping budget by 500 yuan per capita, we will be able to increase our revenue by 100 billion yuan!

Collect their interest, collect their installment fees, and then make a profit on their performance. Then, our own funds will be revitalized.

That's how many birds are carved with one arrow! ”

”It's called wild geese over plucking their feathers...”In the office, a more subtle voice came out.

Li Dong picked his eyebrows and looked at the opposite side: ”why, do you think it's not right?

Or do we think that we are encouraging consumers to overspend? ”

Li Dong said with a slight sarcasm: ”who does an enterprise not want his own revenue to increase and his interests to increase?”?

Various business performances, various promotion activities, various store expansion

Is it all for fun?

The ultimate goal is not to make money!

I do not violate the law, do not violate the rules, expand our revenue source with normal means, but become a wild goose overkill?

It can only be said that you are too naive!

According to your idea, we should not do business, because if you do business, we will have to buy things, and we will have to spend money on them. Then you will be overkill.

Enterprises to achieve this point, there are still such naive ideas.

I have to say that you people always let me down.

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

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

Without us, we also have other ways to consume through other channels.

If we choose usury, it will be ten times more terrible than we are.

And let consumers, their limited funds, consumption in the distance, is not we should and must do a thing?

I can only listen to such childish remarks once. I don't want a second time.

What's more, compared with others, the distance is at least enough conscience.

At least, our products are genuine, strict in control and strict in auditing. I can't say that consumers can buy things in our shop. But more than 95% of them are worth buying.

Let consumers buy things, consume and shop here, which is also helpful to them.

Let's not talk about this nonsense. In a word, it's only July now. On July 18, we will do a simple trial survey and operation.

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

I hope that in a few months, we will have more than 10 million users of our exclusive loans and create more than 10 billion additional performance.

Victory is often accumulated in such a little bit.