Chapter 1585: Li Dong

If it is said that the consumer loan launched by Yuanyuan first is to attract users' attention.
After all, cash is available, which makes many people believe the authenticity of consumer loans.
Then on the 7th, the remote trial operation again launched an exclusive loan similar to Huabai, then some of the maps are poor!
Exclusive loans are different from consumer loans. If consumer loans are borrowed, then exclusive loans are spent.
The role of Huabei, of course, is real consumption, and consumption in industries under the distant jurisdiction is called exclusive loan.
In fact, this is to advance the consumption potential of everyone in advance to promote consumer consumption.
In Yuanfang Mall and Wanjia.com, the exclusive loan can be used directly as money, and enjoy the same interest-free period as credit cards.
For users who do n’t even have credit cards nowadays, they can spend money from faraway places and buy things from faraway places. Where can I find such good things?
All those who use these consumer loans will not consider repayment in the early stage.
As for the later period, that is also a later matter.
When the exclusive loan appeared, compared with the huge mall sales system, it seemed that there was no increase on that day.
However, the data feedback from the remote data center made Li Dong smile.
On the 7th, the number of users who opened exclusive loans was a little more than that of previous consumer loans, reaching 100,000.
On the 7th day, more than half of the users opened the exclusive loan business. On the same day, some users used the exclusive loan for shopping and other consumptions in order to seek novelties.
There are more than 20,000 users using exclusive loans, and the amount is more than 2 million yuan!
On the first day, there were not too many users, and it is still in the trial operation stage. Many people are confused about these concepts. However, on the first day, 20,000 people used the exclusive loan, and the amount used exceeded 2 million yuan, which is very shocking.
...
Distant headquarters.
Cao Jinsheng, the president of Yuanfang Finance, dare not put a channel on his face: "I suspect that users haven't fully understood what this is until now, so dare to use this money to shop?"
He didn't know whether to be happy or worried.
Such unrestricted use, in the end, can the money be recovered?
Although not much money is currently released, there are few people who actually use it.
But on the 6th, consumer loans or loans went out more than 5 million. On the 7th, consumer loans and exclusive loans totaled about 8 million loans.
In two days, 13 million yuan was spent.
Can this money really be recovered?
This is still just the beginning. After that, the scale will be huge, and more money will be released every day. What should I do if there is a large amount of bad debts?
He was worried, but Li Dong didn't worry about it, and he smiled and said: "This is not something that is difficult to understand. Advance the income in advance.
What's more, the users we have now opened are all user groups that we have established a credit system.
These people have strong spending power in the distance, and most of them have deposits in Yu'ebao.
I feel relieved about their repayment ability.
Moreover, the amount we opened is not too high, the risk is actually much smaller than that of banks.
Bank credit cards, that is manual review, fraud of various materials has become the norm, the bad debt rate of credit cards is not high, let alone us?
Our consumer loans and exclusive loans are all compared and analyzed through a large database, and finally we open them in a unified way.
From this point of view, in fact, we are stricter than the risk control of banks.
As long as the data analysis and audit work are done well, in the end, we will definitely make money with these loans alone.
In fact, the interest is still a small source of interest.
The key lies in that a large part of the money finally flows into the distance, and we collect the second benefit.
And the emergence of exclusive loans will also greatly help our mall performance.
Today's 2 million exclusive loan consumption, at least one million of which will not be our performance.
But when the user has a piece of money that does not seem to belong to him, then everyone will subconsciously increase their shopping budget, and even those who are not prepared to shop will think about going shopping.
Everyone is like this, they don't get the money they feel, they don't think it's worth the money.
The scale is now small, not too obvious.
When the scale is large, we will expand this user group to 2 million, 20 million, or even 200 million people!
By that time, if the per capita increase of 500 yuan in shopping budget, we can increase revenue of 100 billion!
Collect their interest, collect their installment fees, and then make a profit on their performance, and then, our own funds will be revitalized.
This is just one stone! "
"This is called goose plucking ..."
In the office, a more subtle voice came out.
Li Dong raised an eyebrow and looked at the opposite side, saying: "Why, do you think it's wrong?
Do you still think that we are inspiring consumers to overspend? "
Li Dong said slightly mockingly: "Whoever does a business does not want his revenue to increase and his profits to increase?
Various business performances, various promotional activities, various store expansion ...
Is it all a joke?
The final purpose is not to make money!
I am not violating the law, not violating the rules, using normal means to expand our revenue sources, but it has become geese over-plucking?
This can only be said, you are too naive!
According to your ideas, everyone should stop doing business, because if you do business, then everyone will have to buy something, and you will have to spend money to buy something.
Enterprises achieve this point, there are still such naive ideas.
I have to say, you people make me feel a little disappointed every time.
What's more, if I don't do it, others won't do it?
Bank loans, bank credit cards, these things, is it different from us?
Without us, everyone has other ways to consume.
If you choose usury, it will be ten times more terrible than ours.
And let consumers, with their limited funds, consume far away, is it not something we should and must do?
This kind of naive speech is enough for me to listen to it once. I don't want to appear a second time.
And it's awkward to say, compared to others, at least far enough conscience.
At the very least, our products are authentic, with strict checks and rigorous audits. Consumers buy things from us. I dare not say that 100% is okay, but more than 95% are worth buying.
Letting consumers buy, consume, and shop with us is actually a help to them.
I will not talk about these nonsense. All in all, it is only July, and a simple trial investigation operation is conducted on July 18th.
Next, we have a few months to expand everything we have now.
I hope that in less than a few months, our exclusive loan will exceed 10 million users and create more than 10 billion additional performance.
Victory often accumulates so little.
Today, we give users one more choice and attract more users, which not only strengthens themselves, but also weakens their opponents.
In this way, sooner or later, other people will be completely left behind by us. "
Li Dong said this, and finally said: "So, next, the remote financial sector will make persistent efforts.
Yu'ebao needs to absorb more funds, Wancao wants to promote more users, and consumer loans and exclusive loans also need to increase a large number of user groups.
I have always said that I want to defeat Ali and defeat the treasure.
In fact, a remote finance, if it is well-operated and well-operated, may become the last straw that crushes Ali.
This point should not be ignored.
Although, now we have a lot of movements and movements, talking about mergers and acquisitions everywhere.
But it doesn't mean that I have to give up the IT industry and sit back and watch Ali grow.
While Ali has not yet obtained a small loan license and consumer finance license, this is also our opportunity.
Otherwise, once they get it, then our advantage will be weakened a lot. "
Everyone nodded their heads. As for who said "Goose over-plucking hair" before, no one continued to care and investigate.
Li Dong didn't pursue this, and said: "In October, after the National Day holiday, there are still three months until now.
And after three months, Shen Qian may be born.
I hope that at that time you will give me a little surprise.
Yu'ebao, I hope that the funds absorbed at that time will exceed 100 billion.
For exclusive loans and consumer loans, I hope to achieve a leverage of 10 times, that is, 20 billion.
If all of these points can be achieved, then breakthroughs will be made in the field of remote e-commerce and Internet finance, thus providing strong assistance and support for some of our follow-up plans.
This year is bound to be a year of great breakthrough in the distance.
From the acquisition of Guomei in January, to the defeat of Teng Xun in May, to the listing on Weibo, and the formation of a retail industry alliance ...
The 10-year annual meeting, I think, the world will definitely see a different distance.
This year, I personally have two happy events to get married and have children.
My family and career can be happy, and that is my greatest success.
I Li Dong also hopes to succeed and become the final big winner, but it is certainly impossible for me to do all this by myself.
Those of you here are the cornerstones of my family's career.
That being said, everyone will make persistent efforts.
Taking advantage of Ali's other enterprises and the current inability to obtain a license, we are the only one in the market, striving to occupy an absolute market share and advantage in a short period of time.
Once other companies keep up, our advantage will be weakened a lot. "
When Li Dong spoke, everyone looked at each other, many people nodded quickly.
The big wedding in June, in fact, sent a few gifts to Li Dong from afar.
The integration of the retail industry alliance is completed and it is officially put into operation.
Teng Xun was defeated, and the distance became the first overlord in the IT industry.
And then, on Li Dong's birthday in August, the distance actually prepared two major gifts for him.
Teng Xun is preparing to resume trading, and Weibo is preparing to go public.
Previously, the Weibo listing had to be delayed until September, but now the Weibo IPO team is working hard to complete the IPO before Li Dong ’s birthday, so that Li Dong can ring the bell on his birthday And troubled.
If this M & A plan goes well, the distant place can even add some gifts on his birthday.
In October, Li Dong's first child was born. Now Li Dong takes the initiative to request a gift from afar.
The value of a few gifts may eventually exceed everyone's expectations.
And whether or not you can send this gift is also time to test everyone.
Nowadays, time is not enough. Who can be the first to present this gift list for Li Dong may have a great impact on the future.
...
Li Dong is waiting for someone to give a gift.
But as soon as the No. 7 exclusive loan came out, Ma Yun couldn't sit still.
He did not expect that the movement in the distance would be so fast.
On the 6th consumer loan, if Li Dong is earning interest money, then the 7th exclusive loan, as the people in Li Dong's office said at the time, "Goose is over-plucking"!
It is the hair of online shopping consumers, and the hair of all users in the distance, including foreign users.
Once these people's hairs were pulled from afar, where would Ali pull?
Resources, money, and these things are actually limited to consumers, and one cannot consume without care.
Pull it again from a distance, and Ali will pull it again, it will be completely different.
As soon as the exclusive loan came out, Ma Yun started to call and communicate in the office, and there was really no way to delay this.
Otherwise, the longer the delay, the greater the trouble.
Before Ma Yun had not made up his mind, at this time, Ma Yun made up his mind to find someone to cooperate!
Regardless of the result, no one in the distance can continue to take the lead. Otherwise, Ali ’s crisis will only get worse.
On the 7th, Ma Yun barely left home and didn't know how many calls he made in the office.
Enterprises such as Surin and Bailian can cooperate, and they can all help Ali get various licenses.
At a time when the sense of crisis is aggravating, Ma Yun can only ignore the interests of the future, and it is good to be able to grasp the current.
Moreover, Ma Yun at this time was actually confused.
Li Dong, what do you want to do recently?
Before, he continued to move, and finally won Teng Xun. At first, I am afraid that no one will put the target on Teng Xun's head.
Now, the same is true in the distance.
Various movements are frequent and seem to be a lot of movements, but in Ma Yun's view, this is actually serving a core purpose.
The core goal of Li Dong ~ EbookFREE.me ~ Is it really Ali?
Apart from Li Dong, few people can guess this.
If not Ali, who is it?
At this time, Ma Yun was really looking forward to it, and wished to go to Pingchuan now, grab Li Dong's neck and question him, what the did he want to do?
But Charity Night is still 10 days away. If you really want to see Li Dong, you have to wait until then.
In these 10 days, Ma Yun had to prepare a lot of things.
At least, the charity dinner 10 days later, will not be ridiculed by Li Dong's landless self-confidence.
The guy's temperament is a bit of a whistle, and it is even more poisonous to meet these old rivals.
Even Ma Yun, now accustomed to listening, does not want to be despised by that guy every day.
(It's just two more changes. I was dizzy recently, sorry.)