Rebirth of the Evil Life

Sorry, I was delayed by something today, and I was away from home for a day. As expected, Chapter 5 Cui Gengpiao. Anyway, thank you for your support! )

After receiving Lin Feng's call, Liu Yingying immediately rushed from Shanghai to Beijing to attend the press conference co-hosted by ICBC. Before Lin Feng came to Shanghai, Liu Yingying knew that Lin Feng came to Beijing this time mainly to discuss the B2B online payment service alliance and expand the payment channels of Dingdang.com, but she did not expect that Lin Feng, no, maybe it is the courage of ICBC big.

At the press conference, President Jiang solemnly announced that Industrial and Commercial Bank of China and Dingdang.com have cooperated to form a B2B online payment service alliance and launched a brand-new "e-buy card" to facilitate more convenient, fast and safe online shopping for all Dingdang.com users. But this is not the point. The point is that everyone can only apply for an "e-buy card" with their ID card, which corresponds to a Dingdang account, and ICBC will cooperate with Dingdang to supervise the consumption of their accounts. At the same time, ICBC will send full-time staff to join the arbitration team of Dingdang.com to conduct reasonable arbitration on disputes arising from online transactions.

At the same time, President Jiang also announced that ICBC will record all transactions of all users who have "e-buy card" on Dingdang.com, and will make a reference evaluation for all future loan applications generated by ICBC. That is to say, if a member of Dingdang.com has a low evaluation in the transactions of Dingdang.com, ICBC will reject his future loan application for buying a house or a car and designate him as an "untrustworthy user".

When this article was announced, all the reporters present were shocked, but what was even more shocking was yet to come.

President Jiang also announced that the "Yibu Card" will provide loans of varying amounts according to the user's spending amount on Dingdang.com. You can pay in installments, and you don't need too much proof. It is not as complicated as applying for a credit card in real life. As long as you have a good consumer evaluation on Dingdang.com, you can apply for "credit overdraft" and installment payment services. Of course, the premise is that you can only buy things on Dingdang.com.

Regarding this point, it can be said that the audience was in an uproar, asking whether ICBC was too aggressive. Although credit cards have been launched in China for a long time, they are not popular. The most important reason is the repayment ability. Today, the Industrial and Commercial Bank of China and Dingdang.com launched the "Easy Shopping Card" similar to a credit card. Isn't it afraid that these users of Dingdang.com will refuse to pay back after malicious overdraft? Even if you file a lawsuit, it will definitely be a lengthy and time-consuming lawsuit in the face of malicious overdraft Dingdang members who may arise from all over the country.

Both Lin Feng and Jiang Xing were quite sure about the speculations of many reporters. When President Jiang proposed this plan at first, Lin Feng was also quite shocked, and even thought it was a bit incredible. But it is true that as President Jiang said, "e-buy card" can improve the safety and fairness of online shopping to a certain extent, and to a certain extent, urge the normalization of the domestic online trading market and combat online fraud.

As for malicious overdraft, the credit loan conditions of "e-buy card" are not so easy.

First,

Each person can only apply for one "e-buy card" with his ID card, and cannot apply repeatedly; second, only buyers who have spent a certain amount on Dingdang.com and have a certain credit evaluation can apply for a credit overdraft.

For example, the most basic one-star card. You can only overdraft 1 yuan. But want to achieve one star card. You must spend more than o times on Dingdang.com. And the purchase amount is more than 1 yuan. And users with a favorable rate of more than 95% can apply. And want to achieve two-star card. Overdraft must be spent more than once. The purchase amount is deduced by analogy. The higher the level of "e-buy card". The larger the amount that can be overdrafted. However, due to the initial launch of this credit card limit. Temporarily the maximum amount will not exceed

Although this still does not guarantee that it will never be maliciously overdrawn. But President Jiang has counted. Among the buyers who have successfully traded on Dingdang.com. This malicious overdraft rate is by no means less than 5%. In developed countries, the malicious overdraft rate of credit cards is at least 7%. Compare the two. President Jiang felt that this "universal credit" plan was extremely feasible.

certainly. In order to cooperate with President Jiang's plan. Liu Yingying also reached an agreement with all sellers. Different degrees of discounts are offered for the "e-buy card" level. From one star card. Until the ten-star card. There are ten levels in total. Discounts from as low as 1%. To the highest point bsp; at first these sellers were not willing to offer discounts. Even a 1% discount. They also earn a little less. But Liu Yingying made all the sellers shut up with one sentence——

Do you want to earn 1 person or 1 yuan per person-sellers are not stupid. It is natural to be able to tell the difference. Indeed. They seem to be offering discounts on every item. But as long as the business is good. There are more people buying. This loss. Of course you can earn it back. This is the principle of small profits but quick turnover. As for saying. Whether the seller will increase the price and make a discount. Lin Feng didn't care. The biggest advantage of online shopping. That is, you can make a god and shop around. Do not. At least shop around. Hundreds.

The news about the "Easy Shopping Card" launched by Dingdang.com and Industrial and Commercial Bank of China. Soon it spread all over the country. Everyone has different opinions on this. Many netizens jumped out and accused ICBC of being too domineering. It is not possible to tyrannically link their consumption behavior on Dingdang.com with reality. It is believed that this violates the legitimate rights and interests of consumers.

This point was supported by some Dingdang users, but most of them condemned it. If you abide by the law and deal with integrity, this clause does not constitute any conflict of interest. On the contrary, the standardization of the online shopping market is not

benefit.

President Jiang also vigorously refuted the remarks of these netizens, affirming that whether it is online consumption or real life consumption, honest transactions are the first priority. Especially with the rise of online trading platforms such as Dingdang.com and eBay.com, President Jiang believes that online shopping will be a trend in the future and become an indispensable platform in people's lives. This platform must be clean and standardized, and as long as interests are involved, moral constraints alone are far from enough. This must be constrained and regulated by coercive means.

President Jiang's statement naturally won the approval of the vast majority of sellers and buyers, who also welcomed the launch of the "e-buy card" in unison. Just get to the credit rating. Especially installment payment, which is approved by all members of Dingdang.com. However, the only complaint of these Dingdang.com members is that the loan credit line is too low. However, President Jiang said that this is only a trial period, and once it is feasible, the credit limit will definitely be increased.

Of course, in order to avoid vicious overdraft, it is also stated that legal measures will be taken against any malicious overdraft user, even if he only overdrafts bsp; of course, no matter what kind of tough measures are taken, malicious overdraft is inevitable.

Therefore, Lin Feng's Dingdang.com bears 10% of the losses that may arise from this "universal credit" plan, and ICBC bears 10%. Similarly, Dingdang.com's dividends and ICBC's 10% of the profits.

For Lin Feng, this "universal credit" plan can be described as gaining both fame and fortune. It will not only further consolidate the status of Dingdang.com as a domestic online trading platform, but also increase the daily trading volume of Dingdang.com, and the 100% profit share, Lin Feng believes Once this plan is successfully implemented, it will definitely become an important profit point for Dingdang.com in the future. As far as President Jiang is concerned, as long as this "universal credit" plan succeeds in the end, he will surely become a legend in the Chinese banking industry and will be well received by "above".

Perhaps, President Jiang's only complaint about this plan in the future is that in the agreement signed with Lin Feng at that time, too much dividends were given to Dingdang.com. He is still too conservative and not bold enough.

Regarding the "universal credit" plan jointly launched by President Jiang and Dingdang.com, other domestic banks were noncommittal and did not express their attitude, but they were all observing to see its feasibility. However, one "e-buy card" was claimed at the beginning of its listing, and its popularity far exceeded the expectations of major banks. Moreover, Lin Feng also announced that Dingdang.com would only adopt one transaction method--transactions with bank supervision Means, that is to say, for a period of time in the future, all transactions on Dingdang.com can only be carried out between users who have "e-buy cards", which makes other banks have a deep sense of coolness. I began to hesitate whether to join this "universal credit" plan.

Industrial and Commercial Bank of China applies for free and sends an electronic password card for free, which further promotes the adoption of "e-buy card".

Lin Feng didn't know what the bosses of the major banks thought, but his trip to Beijing was very fruitful, and he got a loan with the lowest interest rate, and the 300 million yuan loan was not a lot.

"Lin Feng, what do you think about this 'universal credit' plan? Are you not afraid of risks?" Liu Yingying was still very surprised by this "universal credit" plan.

"Hehe, this is mainly President Jiang's idea. We are just his chosen partner. If Dingdang.com is not the largest online trading platform in the country, I think he would choose other partners." Lin Feng said calmly.

"But it's too risky. In China, as you know, credit card overdrafts are very serious, and many people think what Liu Yingying means. Lin Feng understands. Many people in China just don't pay back the money they owe, and they are not afraid of lawsuits. This kind of rogue behavior , it's really hard to deal with.

"Hehe, Yingying, actually this time, President Jiang also consulted the above. Otherwise, you really thought he would dare to make such a big decision." Lin Feng was also very surprised by President Jiang's decision at first, it was incredible. I didn't hear about this before rebirth, I don't know if it's because of the butterfly effect after rebirth. But in any case, President Jiang's decision is bold and courageous, but it is indeed feasible, and Dingdang.com also bears 100% of the risk.

But Lin Feng is not too worried about this, this is definitely a good attempt. Most of the buyers who have made at least one transaction on Dingdang.com with a transaction amount of more than 1 yuan are trustworthy consumers. A mere 1 yuan is not worth their risk of overdraft. After all, one ID card can only apply for one "e-buy card", and it can only correspond to one Dingdang account. In particular, the ten-star level launched by Lin Feng, I believe that those who have a certain ability to spend on the Internet will not allow malicious overdraft. On the contrary, perhaps this ten-star rating may become a proof of their identity, proving their credibility, and to a certain extent, proving their character.

With a satisfactory harvest, Lin Feng returned to Shanghai. Here is also a piece of good news waiting for him. Wu Zhao has already established the "Second World" Taiwan branch in Taiwan, and has carried out the first remote synchronous transmission. The result is very gratifying. Lin Feng is now in place with the loan, the company does not need to be afraid Due to the urgent shortage of liquidity, Can God officially launched the "Asian Interconnection Project", and the branches in South Korea and Japan started.

But what Lin Feng didn't expect was that a troublesome man was already waiting for him at the villa.

"Brother Lin, here I come again!" Seeing Allegra, Lin Feng felt a headache. But just to ask her about Li Zhiyou's endorsement of Versace Asia.