Rebirth of the Super Banking System

Unlimited.

Great.

Not good.

On the bright side, financing is convenient. The bad side is still a reason --- the door opened and the breeze blew in, but it was more than the breeze.

Muddy gas.

Vegetable fragrance.

fly.

Mosquito.

......

It's all here.

Many policies come out with very good original intentions, but they cannot resist those who have ulterior motives and want to take advantage of the rules to make huge profits.

disturb the market.

therefore.

The general principle of this type of policy is to put aside first and then tighten, because many new things did not appear when the legislation was enacted, and it is difficult to prevent it in advance.

Can only be like clothes.

There are holes.

Make up.

It is a failure to let people who need clothes wear some, so that they can't be cut across the board. Flies and mosquitoes can't get in, but the fresh air can't be sucked. That's a failure.

. . .

Advance consumption.

In China.

It has never been recognized. The mainstream thinking is to have a big mouth and eat a lot of food. If you can't afford it, you will endure it. Under normal circumstances, you don't borrow money for consumption.

indeed.

This habit is very good.

Do not.

It should be very good. There is a good saying that there is food at home, so I don’t panic. If it’s like Europe and the United States, it’s okay to eat Maoliang.

but.

A special period.

---depression.

That is, there are countless bankrupts, how many people's houses have to be repossessed by the bank, how many people can't even recharge their cars, and then wait for relief in a hurry.

It can be described as miserable.

but.

The reason for all this is not the fault of pre-consumption, but the intemperate pre-consumption. Anything, no matter how delicious it is, is delicious.

If you eat too much, you will die.

therefore.

What Tang Qing opposes is unrestrained pre-consumption.

If there is moderation.

Grasping a certain degree, according to the expectation of one-fifth to one-tenth of their annual salary, to make forward consumption is a reasonable ratio.

In oneself.

Yuren.

Yu Qi.

Yu Guo.

There are many benefits.

First of all.

I have enjoyed it myself, and secondly, I don’t have to open my mouth to borrow money from others, which hurts the relationship, the company makes money, and the country also has a tax.

such as.

A person's annual salary is 120,000, and the amount of spend can be raised to 24,000. This money, no matter what, will not reduce his quality of life throughout the year.

Well.

It is a business that benefits the country and the people.

among them.

What really needs to be vigilant is the rise of those black net loans, and personal loans were corrupted by super-high interest rate black net loans in the previous life.

several thousand.

roll roll roll.

Tens of thousands.

One hundred thousand.

It's not uncommon.

Many of them are specially set up, which are completely fraudulent. Of course, they must be cracked down. Once this happens, the best way is to call the police.

of course.

The principal and interest that should be repaid cannot be relied upon.

usury.

The definition is: the annual interest rate is higher than 36%. A helpless reality is that in the current judicial system, usury does not constitute a crime.

It's just a civil economic dispute.

Go to court.

The principal and interest must also be repaid, and if the annual interest is less than 36%, the same must be paid. The higher part is not used. Tang Qing disagrees with this.

Thirty-six.

the following.

It's a civil dispute, yes.

But above.

Should be directly imprisoned, this kind of interest rate has severely disrupted the social and economic order and must be severely cracked down.

Too high.

bad.

Need to be severely punished.

To this.

Tang Qing is not incapable of doing nothing. When some people play illicit online loans, they will deal with it like scammers, crack down, report, or use illicit online loans.

Let them lose their money.

There are many ways.

otherwise.

It was originally a good financial behavior. It was crossed by people and everyone was screaming and beating. It was really a bit wronged. Let those scammers have a good understanding of it.

---The cruelty of this society.

. . .

then.

The vice president gave a detailed introduction to Huabei's characteristics and interest rates, because this is a comprehensive report that the entire company has to cooperate with.

Tang Qing listened quietly.

interest rate.

Not too high.

If the payment is made in installments for one year, 7%.

If it is overdue, the daily penalty interest rate is five ten thousandths, which is not low, but it also depends on the situation. Huabei does not stimulate much consumption.

after all.

No matter what, there must be a quota.

one thousand.

two thousand.

Five thousand.

The current set line is 20,000 yuan. This still stipulates that the consumption will exceed this number within a year, and the annual interest rate is much lower than that of credit cards.

and.

This is five out of ten thousand overdue.

Not overdue.

If the repayment is the following month, Huabei has no interest, and the longest interest-free period is 40 days. Even if it is paid in installments, the interest charged is very small.

Three phases, 1.8.

Sixth period, four to five.

One year, seven and five.

Really.

Very conscientious.

Secondly.

It's credit.

For the time being, we can only rely on corporate self-confidence assessment. The bank's credit investigation cannot be checked by Ali. Therefore, two aspects of the credit system are mainly used.

the first.

Ali.

Based on its past consumption.

second.

Little.

As China's largest office software system, it has a huge working relationship and its own credit evaluation system, which is quite mature.

in this way.

Some bad debts can be avoided.

At last.

It is to confirm the online time, which is set on August 31.

. . .

After the meeting.

Connect Ma Yun alone.

"This attempt should make Ali go faster. When the test is completed by the end of the year, Ali's overseas financial service platform can also be launched."

Ma Yun said.

now.

Ali went abroad and expanded aggressively.

natural.

We will not let go of the consumer finance market abroad. After all, the interest of Huabei installment is not much, but as long as the amount is increased, there will be profits.

Why not much?

Calculate.

Bank loans require interest, and they are commercial loans, but they are not cheap, and the cost is already a few percent after calculation.

In addition.

The same is true for ABS.

Financing.

It's not about how much you borrow or how much you want to pay back. People buy your ABS bonds because they are also looking at the income. If the income is similar to that of the deposit bank, the ghost will buy it.

This cost.

It's four to five percent.

then.

After deducting various expenses, tax rates, etc., the net profit left to Ali is only less than 2%. The outside world still thinks how much Ali made.

Don't know.

-bank.

-Brokerage.

-investor.

All parties have to draw a sum from it. From the perspective of the rate, you can know that spending hardly makes any money. Relatively speaking, it is better to make more money by borrowing.

Five out of ten thousand direct, just like a credit card.

but.

Still not a huge profit.

because.

Ali's money is borrowed from the bank or financed. The bank's credit card, using its own money, earns several percentage points higher than Ali.

this time.

Taking advantage of the opportunity, Ali also took consumer finance photos in many countries. At this moment, he deeply felt the strength of those allies.

as if.

In their country, there is nothing they can't do.

Great influence.

Accessible up and down.

and.

At least one-third of them have opened a bank, but they are of different sizes. I am very interested in hearing about online consumer finance, and they all have a share.

then.

Ali has more than a dozen financial licenses.

as well as.

These branches ~www.wuxiaspot.com~Ali Holdings, with local partners holding shares, almost solved Ali's overseas financing problems, and some did not even need to do ABS.

The cost of borrowing directly from its bank has been greatly reduced.

then.

An embarrassing problem arises. Huaxia's interest rate in China will be much higher than that in foreign countries, and in the future, it may be spoiled by unknown people.

Said they made more money.

Black heart.

Eat inside and out.

Profiteers.

"..."

To this.

Of course it was just a joke.

This issue.

It is not impossible to explain, the majority of the masses still have brains.