Chapter 1584: Distant consumer loans

Ma Yun's guess seems to have come true.
On July 6th, the distant place silently carried out a million cartoon update.
In this update of Wanhuatong, a new feature has been added, Wanhuatong Consumer Loan.
This time, consumer loans did not appear to be open to all users, but to some loyal users of Wancao who had consumption records in Wancao and established a credit system. The consumer loan business was opened as a pilot.
On the 6th, there were not too many users eligible for consumer loans, with less than 50,000 in total.
And the opening amount is not too high, about 3,000 yuan per capita.
With a total loan balance of 150 million, the Wancao Consumer Loan is not too conspicuous compared to the loan quotas of some large loan companies and well-known small loan companies at the moment.
However, this is the first time that China Online has seen regular online consumer loans.
Obtaining a consumer finance license from a distant place means that there is no loophole or violation of the Mankato consumer loan from afar. This is the first enterprise to obtain an official license and provide online personal loans.
Compared to so many people in China, 50,000 people are somewhat insignificant.
However, the emergence of the Wanhua cartoon consumer loan surprised many people.
Internet finance seems to increase the pace of cannibalizing traditional finance.
Payment business, savings business, settlement business, including the current loan business, and the emergence of products such as virtual currency funds.
They are all proclaiming that Internet finance has already involved more and more fields, and there is even a tendency to cover the entire traditional financial business field.
The consumption loan of Wanhuatong is not the same as Huabei, but it is more like borrowing.
In fact, this has already involved the small loan business.
But at the moment, these concepts are still very vague. The concept of Internet finance has just appeared, and the distance is only being piloted, and no one is investigating. What is the difference between consumer loans and small loans?
...
The traditional financial industry has seen this trend and changes.
The emerging Internet finance field has also seen this change.
The country is supporting them to seek change!
From the gray area at the beginning, to the introduction of national supervision, to the issuance of various licenses, to the private enterprise in the distance, I got the first consumer finance license ...
All of this shows that Internet finance has entered the government's sight, and the government is also supporting it.
Without government support, how could a distant place get the first consumer finance license for a private enterprise?
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 are better controlled and guided, and it is easier to stop losses in time.
As for private enterprises, the government's supervision of this aspect still has some troubles.
Now that the distant place can obtain a license and become a pioneer in the reform of the industry, it is enough to show that the government trusts the distant place. Otherwise, this kind of major event in the financial field will not be given to the distant place to dominate anyway.
For a time, many people began to shake their hearts.
...
People in the industry were shocked, and ordinary users were also surprised.
On this day, a lot of people's million cartoon mobile phone client software, the word consumer loan appeared.
A curious person, clicked in and looked at it, followed the process a little bit, and found that his mobile phone interface had an additional number of words.
Some people find it unbelievable to borrow money online?
No mortgage?
What procedures are not necessary?
Then you can borrow money?
When the concept of P2P loans has not yet emerged, it is difficult for ordinary consumers to believe that on the Internet, they can easily borrow money without using anything or any mortgage.
...
plain.
In an unknown small company, Yang Yan looked at the mobile phone interface curiously. There was only a huge number, 10,000 yuan.
Yang Yan watched the introduction carefully for a while, and then curiously said to the colleague on the opposite side: "Really? Nothing, you can borrow online directly? I haven't even seen it, nor is it easy to borrow money from usury. Right? "
The middle-aged female colleague on the opposite side was even more surprised than her, and strangely said: "What loan? You have no money again? I said Xiao Yang, should I save a little more ..."
"Sister Zhang, isn't this, aren't you also using Wanhuan? You can see for yourself that the Wanhuan updated today has a consumer loan entrance on it.
Just click in and open it, you can see how much you can borrow.
I looked at the instructions, as long as the real-name authentication is enough, nothing else is needed. It is said that borrowing money will arrive in three minutes and go directly to the card. Is there such a cheap thing? "
"real or fake?"
The female colleague on the opposite side was even more surprised. She hurriedly opened her Wan Wan cartoon for a while, and after a while, Sister Zhang looked at Yang Yan suspiciously: "No entrance, Xiao Yang, don't you get cheated?"
"No?"
Yang Yan surprised: "Why not? It's on the homepage. I saw it as soon as I went in. I look at your ..."
Saying that, Yang Yan probed at Sister Zhang's mobile phone and found a circle, but still did not find the entrance to the consumer loan. Yang Yan was a little depressed and said: "No, Sister Zhang, didn't you update the version?
I didn't have it before, only after updating the version in the morning. "
"I updated it, the updated version in the morning, Xiao Yang, you show me ..."
Sister Zhang said, everyone else looked at their phones.
After a while, someone in the office said, "I also have it, really, it shouldn't be fake, Mankato is a distant industry."
"You too? Why didn't I? Xiao Yang, Xiao Chen, please help me to see ..."
"Neither am I, weird, won't it be a different version?"
"Our office seems to have Xiao Yang and Xiao Chen, wouldn't you be deceived?"
"Not at all ..."
There was a lot of discussion. At this time, Yang Yan, who spoke before, suddenly said: "I seem to have introduced it here, saying that it is a pilot part of Ten thousand cartoon users, has good credit, has a shopping record in a distant mall, and Yubao has a wealth management account. , Will have the opportunity to open consumer loans.
I have been shopping in a distant mall for the past few years, and Yu'ebao has also saved 20,000 yuan. Wouldn't it be because of this? "
Another user who opened the account also hurriedly said: "Me too, our office, as I and Sister Yang have more online shopping, I also saved money in Yu'ebao and saved 50,000!
This consumer loan should be related to these. My quota is higher than that of Sister Yang, and it is 20,000 yuan. "
"Is that the case? What's happening in the distant place, is it treated differently? We are also loyal customers in the distant place, but we usually like to go to the distant supermarket for shopping, but there is no online shopping. You all open it, but you don't even open it for us ..."
Someone said with some jealousy, but people were actually afraid of comparison.
No matter what, you have me, then everyone is balanced.
But you have it, but I don't, then others are a bit unbalanced.
Many people in the office are Yang Yan and their predecessors, and even their supervisors.
As a result, the two of them had the entire office, and others would not say that their supervisors were not too happy.
As for Xiao Yang and Xiao Chen, the wages are not high, and they spend money on it. They do n’t have a few deposits, and they have become distant VIP customers.
These people, their salary is much higher than Xiao Yang, but they are not VIP users. This kind of poor grade naturally makes people feel pantothenic.
Yes, in their thoughts, at this time, the consumer loan was opened, obviously all VIP customers from afar, not opened, naturally not.
Yang Yan's supervisor was a bit sour in heart, and if he had no intention, he said: "Is it really not easy to say, 100 million yuan is not a small amount, is it not generous to have money in the distance?
Don't even play in the face, it is possible to pay in three minutes, is it possible?
By the way, is it free or charge interest? "
"Accounting for interest, five ten thousandths a day ..." Before Yang Yan finished, Xiao Chen suddenly said: "four thousandths a day ..."
Now, other people are more curious. The interest of the two people is not the same?
Yang Yan also puzzled and said: "Four thousandths of you?"
Xiao Chen smiled and nodded: "Well, I just looked at it. The agreement says that the interest is between 3 parts per million and 5 parts per million.
According to personal credit rating and consumption records, everyone will enjoy different interest.
I should be shopping more in the distance, so the interest is lower.
Four out of ten thousand, this interest is not high ... "
At this time, the interest rate of private loans is very high. It is normal to convert 50% of annual profit.
While bank loans, the interest is not high, but most people can not borrow.
At this time, in the second and third tier cities, credit cards are not yet popular, and credit card overdue interest rates are also very high, plus late fees, profit rolls, even higher than private lending.
Wan cartoon gave Xiao Chen an interest rate of 4 / 10,000. Xiao Chen naturally felt that it was not too high, let alone Yang Yan, who was next to it.
Others didn't even want to work at this time. Someone said, "Xiaoyang, Xiaochen, how about trying it?
Whether it's a lie or not, try to know.
Anyway, the interest rate is not high, and I borrowed it out for a few dollars a day.
By the way, can this money be taken out?
Do n’t you have to spend it online?
Now many store promotions are also this gimmick, saying that you are given a coupon, but the result is that you have to go there and spend as much as possible ... "
Xiao Chen immediately said: "No, the above said, if you borrow money, the money can go directly to the bank card in three minutes."
"Direct to the card? Is there such a good thing? Not to mention bank loans, it takes time to process credit cards. If you want to get cash, you have to withdraw cash. There are a lot of handling fees, but you can't get all of them ..."
Xiao Chen hurriedly said: "Really, that's what I said above, and this is Li Dong's company, it should not be deceiving."
The 20,000 yuan is nothing to Li Dong. I'm afraid he won't pick it up on the ground. "
"Can that be the same? Xiao Chen, why not give it a try? Didn't you say you wanted to renovate your house?
If you really want to get a loan of 20,000 yuan, you don't have to go to the bank. With the money on hand, it's almost enough.
It's really not working. I'll borrow it and pay it back. I really want to charge interest. Let's pay for it for you?
Give it a try and see if it's true. It's 20,000 yuan, only 8 yuan a day. I just read it. It says it can be repaid at any time. If it doesn't work, it will be paid immediately. "
"Yes, Xiao Chen, try it, a few bucks."
Others started to persuade each other, and Xiao Chen hesitated a moment, thinking for a while before saying: "Should I borrow 100 to try?"
"Can I borrow 100?"
"Yes, there is no amount limit written above. I will try it. Even if it is really gone, there is no loss of 100 yuan. Anyway, don't everyone just look at it?"
Xiao Chen said, relieved in his heart, and borrowed 100 to try it out. I really want to borrow it. This 20,000 yuan can really help me a lot.
The house at home has been ready to be renovated, but all of his own belongings are now tens of thousands of dollars in Yu'ebao, which is simply not enough.
Her husband's wages are all taken home, and both parents are not rich.
Looking for a bank, the bank does not have the option of renovating the loan, and the procedures are not easy. It is not cost-effective to go to the bank for 20,000 or 30,000 yuan.
If you can borrow money from afar, you don't have to go through the process. Maybe the house can be decorated this time.
Anyway, she just watched it and can pay it in installments, up to three years, and a little a month, which is not too much pressure on them.
With a try attitude, Xiao Chen started to operate.
After a while, Xiao Chen looked up and said: "I borrowed it and said that I was transferring money. I don't know if I can get to my card?"
At this time, not only other people are concerned, but Yang Yan on the opposite side is also concerned.
She still has a quota of 10,000.
If you can really borrow it, you can buy the necklace that you saw last time, and then wait for the salary to be paid.
At this time, everyone was idle and the supervisor in the office did not speak.
In fact, the supervisor was also anxious at this time. At this time, she actually hopes that the money will not be paid. It is better to be a scam. That would be even better.
Otherwise, the subordinates have a higher credit than her supervisor, and have more credit in the distance.
Just as everyone expected, about two minutes later, Xiao Chen's mobile phone suddenly rang, glanced at the phone screen, and Xiao Chen was surprised: "It's really arrived!"
Previously, the SMS notification service of bank cards was only promoted among large customers, but with the passage of time and the demand for Internet payment, major payment companies are now talking about cooperation with banks.
The SMS notification service has now become popular.
At the moment when I saw the text message, I saw that there was really 100 yuan more in my account balance. Xiao Chen was very happy: "Li Dong's company is different. There are no formalities. In a few minutes, the money will arrive. Account.
If this is running with money ... "
That being said, Xiao Chen immediately said: "Of course, I will definitely repay the loan, which is only a few months later, and I should respond temporarily.
Unexpectedly, it really arrived so quickly.
The business of Wan cartoon can be regarded as a matter of urgency. Unexpectedly, Li Dong's own company only squandered money and ended, and began to squander money again. "
Xiao Chen sighed for a while, and everyone else was also moved at this time. They did not expect that when it came to the account, the account arrived, so soon!
It's a pity that among the people present, no one except Yang Yan has opened this project. At this moment, they can only watch Xiao Chen and Yang Yan smile, and everyone feels a little bit disgusted.
Someone asked in a low voice: "Xiao Chen, how much money do you have to buy to open this?"
Xiao Chen shook his head and said: "I really don't know about this. UU reading www.uukakanshu.com, but I have bought about 20,000 or 30,000 things online, all of them are practical things, which is no different from going to a supermarket.
By the way, there are Yu'ebao deposits. If there are deposits, I think they should be able to be opened. Would you like to try them? "
"Yuebao, online shopping ..."
Some people who haven't opened it are all thinking about it now. Do you want to buy something online and then deposit money from Yu'ebao?
Otherwise, now you can only watch Xiao Chen and they are arrogant.
...
On this day, not one or two people have such doubts and unbelief.
And Yang Yan is not the only one who is thinking about buying from a distant mall.
The pilot users are also active or passive on this day, and many people have opened consumer loans.
Many people have even started their loan journey.