Chapter 1581 (1/2)

On the 6th, consumer loans were launched from afar, and on the 7th, exclusive loans were launched from afar.

The two kinds of loans have caused a lot of repercussions among the user groups.

Some are for it, others are against it.

Some people even said that Li Dong was crazy to make money, and now he began to do usury business.

There is no response to these topics from afar.

For consumer loans and micro loans, whether they are good or bad, varies from person to person. Everyone's ideas are different. If some people support it, naturally others will oppose it.

Some people are grateful to Li Dong and feel that the distance is getting more and more atmospheric.

Compared with the tedious process of the bank, the procedure here is very simple. It takes a few minutes to get the account. This is a good news for some people who are eager to use money.

At the same time, some small and medium-sized enterprises are looking forward to it.

At the 2008 Internet Conference, Li Dong and Ma Yun said that they should support small and medium-sized enterprises. If banks do not give loans to small and medium-sized enterprises, they will change the banks.

Some of what they said that day was not worth mentioning.

But now, with a consumer finance license from afar, this kind of thing may happen.

Of course, the current amount of consumer loans is not high, and it is targeted at the consumer sector. In fact, the consumer loans made in the distance are somewhat biased, but the good thing is that they are targeted at individuals, with a low amount of credit. In the case of unclear laws, no one said anything.

But for small and medium-sized enterprises loans, there is no small loan license, far away is unable to lend to them.

Therefore, at this moment, some enterprises in urgent need of money and unable to obtain loans in the bank are eager to get the network small loan license quickly from afar.

As long as you get it, according to the style of doing things from afar, the door of lending to small and medium-sized enterprises will soon be opened.

……

Small and medium-sized enterprises are expecting at the same time.

Far away.

Li Dong also asked, ”we should get the small loan license as soon as possible. Now Ali and they are promoting the issuance of small loan license plate. Although we already have the consumer finance license, it will be more beneficial for us to get the small loan license.

Ali has been able to do better and better in the field of B2B because they have helped some small and medium-sized enterprises to open up the international market.

In China, some potential small and medium-sized enterprises are of great help to enterprises.

Sometimes, our enterprises need a large number of small and medium-sized enterprises to cooperate and support.

A few years ago, we had been fighting alone.

It was not until 2009, when we established a retail alliance, that we won over some small and medium-sized enterprises in the retail field. At this time, we were in a group.

But such a group, the strength is not strong enough!

In fact, it is not enough for an enterprise to be stable, to influence all walks of life and to dominate in a single field.

Attract small and medium-sized enterprises and become one of our members. The more enterprises participate, the more favorable it will be for the distance.

In fact, large enterprises do not exist alone.

When we were weak, it didn't matter, and it didn't hurt much. But when we were strong, we need to consider these.

Corporate loans, which seem unimportant, are actually very important.

We give loans to small and medium-sized enterprises. Even if we are just a lending platform, it is enough for us to influence these enterprises.

In the future, we will have some cooperation or expansion activities. The first consideration of these enterprises is that they can not be enemies from afar, but can only cooperate with them.

Because we hold their economic lifeline!

Why are banks so strong?

The loan is very important!

They are all in debt to the bank, and some enterprises are afraid that the bank will collect money in advance and settle down in advance. In the financial blacklist of that year, many enterprises have been tossed to death.

Although we are not banks, nor will these enterprises toss to death, but as long as we do the loan business, it is actually a kind of control.

Therefore, the loan business of small and medium-sized enterprises should be done as soon as possible.

When the enterprise loans out, our loan business is almost completed. In addition to the disguised deposit business of yu'ebao, the payment and settlement business of ten thousand cards

All these businesses have been done. Except for some intermediate business, we can't do it. Remote finance is a kind of bank in another sense.

In fact, the development direction of remote finance is this direction.

In the end, we will definitely set up an internet bank.

Now, Huaxia even private banks are not open, but this trend is becoming more and more obvious, I think, before long, private banks will appear.

And Internet banking, I think, will eventually be recognized by the government and become a member of the financial sector with the development of the times.

For a private enterprise, the final derivative is made into a bank, which is also the biggest recognition and protection for the enterprise. ”

Internet banking!

As soon as these words appeared, there was something strange in people's eyes.In China, especially now, when the traditional financial sector has not been impacted, banks are actually the real overlord of China.

Banks with a lot of cash flow have some advantages in treating any enterprise.

Nowadays, is there any enterprise that has the same money as the bank?

Almost no!

The bigger the enterprise, the worse.

Huaxia Petrochemical bank is the second largest company in the world?

Owe it!

Of course, the government will allocate funds to these central enterprises, and their profits are frightening. They are not short of money, but they are in debt, which is also a fact.

Banks generally don't refuse their loans and they don't ask for money, but it's a fact that the two sides have a debt relationship.

The bank as a creditor, regardless of whether the debt is uncle, really want to ask you for debt, you have nothing to say.

Therefore, the bank is actually the dominant enterprise of Chinese business.

Remote finance is now going to this field. Once it is done, it will really lay the foundation of invincible in the distance.

However, private banks are not officially established. Internet banking is more difficult than private banks. It is not so simple to be the first Internet Bank in China.

In the past, Teng Xun's Weizhong bank was established only at the end of 14 years and officially opened in 15 years.

It's not very difficult to get government approval and government approval so many years in advance.

In the conference room, no one else spoke.

But Li Dong did not continue this topic, continued: ”in addition to these, the other is the financing of consumer loans and exclusive loans.

As the first consumer loan on the Internet, we will no longer take the traditional financial channels this time.

Traditional small loan companies, in general, their final source of funds is actually mostly through banks and shareholders.

Of course, I'm talking about regular small loan companies, not about other private capital flows.

This time, I have considered for a long time that we do not have to go through the channels of banking, trust and insurance. As for the financing of shareholders, we are not able to support it for the time being.

So, I want to finance through ABS channel.

For consumer loans and exclusive loans, the final annualized interest rate can reach 20% on average. Of course, the interest is interest, and there will certainly be some dead accounts and bad debts. After removing these, in the end, the income will not be so high, but more than 10% will not be a problem.

ABS financing, I looked at the financing situation of other platforms a few days ago, generally between 3.8% and 8.5%.

And the ABS period is generally not short, three to five years is the norm.

If the market of the project is good, I don't think it is too difficult to get about 5% interest rate with the qualification from afar.

Today's Bank large loans, time more than three years, the interest rate is more than 5%, in fact, the difference between the two is not big, and compared with banks, ABS financing audit is easier, and raising funds is simpler.

The key point is that there is no need to pledge!

In the past, our loans were all assets pledged, but consumer loans were not used by us. It is obviously impossible for us to use our own industry to pledge.

But once the bank does not lend money, our principal is only 2 billion, which obviously can not meet my expectations.