Ma Yun’s guess seems to be in a trend of coming true.

On July 6, a Wanka update was quietly launched in the distance.

This time, Wankatong update has added a new feature, Wankatong Consumer Loan.

This time, consumer loans appeared, not all users were activated, but some users who had a loyal user of Wankatong and had a consumption record in Wankatong and established a credit system were activated as a pilot.

On the 6th, there were not many users qualified for consumer loans, with a total of less than 50,000 people.

The amount of opening is not too high, with an average of about 3,000 yuan per person.

Wankatong Consumer Loan has a total loan balance of 150 million yuan. Compared with the loan amounts of some large loan companies and well-known micro-loan companies at this moment, the amount of more than one billion yuan is not very eye-catching.

However, this is the first time that China has seen formal online consumer loans.

The Yuanfang obtained a consumer finance license, which means that the Wankatong Consumer Loan in Yuanfang has no loopholes or violations. This is the first company to obtain an official license and conduct online personal loans.

50,000 people, compared to so many people in China, it is a bit insignificant.

However, the emergence of Wankatong consumer loan shocked many people.

Internet finance seems to have increased its pace of eroding traditional finance.

Payment business, savings business, settlement business, including current loan business, and the emergence of products such as virtual currency funds.

They are all declaring that Internet finance has involved more and more fields, and even has a tendency to cover the entire traditional financial business field.

Wankatong’s consumer loan is not very similar to Huabei, but it is more similar to Jiebei.

This actually involves micro-loan business.

However, at this moment, these concepts are still very vague. The concept of Internet finance has just appeared, and in addition, it is only piloting in the distance, so no one has investigated what the difference is between consumer loans and micro loans.

...

The traditional financial industry has seen this trend and change.

The emerging Internet finance field has also seen this change.

The country is supporting them in seeking change!

From the gray area at the beginning, to the inclusion of national supervision, to the issuance of various licenses, to the private enterprise in the distance, I obtained 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 the support of the government, how could Yuanfang get the first consumer finance license for private enterprises?

At the same time, it is enough to show that the government still has a lot of trust in the distance.

Generally speaking, state-owned enterprises will take the lead in the reform of this emerging industry. After all, state-owned enterprises are better controlled and guided, and it is easier to stop losses in time.

As for private enterprises and government supervision in this regard, there are actually some troubles.

Now, being able to obtain a license in the distance and becoming a pioneer in the industry's reform is enough to show that the government trusts the distance. Otherwise, such major events related to the financial field will not be left to the distance to lead in any case.

For a moment, many people began to shake their hearts.

...

Industry insiders were shocked, and ordinary users were also a little surprised.

On this day, the words "consumer loan" appeared on many people's Wankatong mobile client software.

Some curious people clicked in and took a look. After following the process, they found that there was a word about how much quota added to their mobile phone interface.

Some people find it unbelievable, borrowing online?

No need to mortgage anything?

No procedures are required?

Then you can borrow money?

Now that the concept of p2p loan has not yet emerged, it is difficult for ordinary consumers to believe that they can easily borrow money without any mortgage on the Internet.

...

plain.

In an unknown small company, Yang Yan looked at the mobile phone interface curiously, with only a huge number on it, 10,000 yuan.

Yang Yan looked carefully for a while and then curiously said to her colleague opposite: "It's true or false? You can just borrow money online without anything. You haven't even met you. It's not that easy to borrow money from usury, right?"

The middle-aged female colleague opposite was even more surprised than her and said strangely: "What kind of loan? You have no money again? I said Xiao Yang, you still have to save a little..."

"Sister Zhang, it's not this. Are you also using Wanka Toon? Take a look at it yourself. Today's updated Wanka Toon has a consumer loan entrance.

Just click in and open it and you can see how much you can borrow.

I looked at the instructions and just have real-name authentication. I don’t need anything else. I said that I can get the money in three minutes and go directly to the card. Is there anything so cheap?"

"Really or not?"

The female colleague opposite was even more surprised and hurriedly opened her Wankatoon for a while. After a while, Sister Zhang looked at Yang Yan suspiciously and said, "I didn't find the entrance, Xiao Yang, don't you have been cheated, right?"

"No?"

Yang Yan said in surprise: "How come there isn't? It's on the homepage. As soon as I entered, I saw it. I'll look at your..."

As he said that, Yang Yan looked at Sister Zhang's cell phone, but after searching around, he still didn't find the entrance to the consumer loan. Yang Yan said a little depressedly: "No way, Sister Zhang, you haven't updated the version, right?

I didn’t have one before, so I only found it after I updated the version in the morning.”

"I updated the version I updated in the morning, Xiao Yang, show me yours..."

As Sister Zhang said, everyone else looked at their phones.

After a while, someone in the office said, "I have it too, it's true, it probably won't be fake. Wankatong is a distant industry."

"You have it too? Why don't I have it? Xiao Yang, Xiao Chen, please help me see it..."

"I don't have one, it's strange. It's not that the updated version is different, right?"

"It seems that Xiao Yang and Xiao Chen are just in our office. You are not deceived, right?"

"Not to..."

Everyone was talking. At this time, Yang Yan, who had spoken before, suddenly said: "I seem to have an introduction here, saying that it is a pilot Wankatong user who has good credit, has shopping records in the Yuanfang Mall, and Yu'ebao has financial management, and will have the opportunity to open a consumer loan.

I have been shopping in the Yuanfang Mall in the past few years, and Yu'ebao has saved 20,000 yuan. Could it be that it was opened because of this, right?"

Another user who opened the company also hurriedly said: "Me too. In our office, I have more online shopping with Sister Yang. I also saved money in Yu'ebao and saved 50,000 yuan!

This consumer loan should be related to these things. My credit limit is higher than Sister Yang, and it costs 20,000 yuan."

"Is that true? What are the things in the distance? Do you treat it differently? We are also loyal customers in the distance. But we like to go to the supermarket in the distance when shopping, but we don't shop online. You all open it, but we don't even open it for us..."

Someone said jealously, people are actually afraid of comparison.

No matter what, if you have it and I have it, everyone will be in a balanced mood.

But if you have it, but I don’t, then others will be a little unbalanced.

In the office, many people are seniors of Yang Yan and others, and even their supervisors.

As a result, they only had them in the entire office. If others didn't say it, their supervisor would not be very happy.

Just Xiao Yang and Xiao Chen have low salaries and are generous in spending money. They don’t have many savings, and they even become VIP customers from afar.

Their salaries are much higher than those of Xiao Yang and the others, but they are not VIP users. This level difference naturally makes people feel sad.

Yes, in their minds, those who opened consumer loans at this time were obviously VIP users from afar, and those who did not have one were naturally not.

Yang Yan's supervisor felt a little sour, and said unintentionally: "Is it really hard to say? 100 million yuan is not a small amount. If you have money in the distance, you are not so generous, right?

I don’t even call me and I’ll give you a loan in three minutes. Is it possible?

By the way, is it free or is it charged interest?"

"Calculate interest, 5/10,000 per day..." Before Yang Yan finished speaking, Xiao Chen suddenly said: "4/10,000 per day..."

Now, the others were even more curious. The interest rates of the two people were different?

Yang Yan also asked in confusion: "You four out of ten thousand?"

Xiao Chen nodded with a smile and said, "Well, I just looked at it. The agreement said that the interest rate is between 3/1000 and 5/1000.

According to your personal credit rating and consumption records, everyone will enjoy different interest rates.

I should be shopping far away, so the interest rate is lower.

Four out of ten thousand, the interest rate is not high…”

At this time, the interest rate for private lending is very high, and the annual profit of 50% is normal.

Although the interest rate for bank loans is not high, ordinary people cannot borrow them at all.

At this time, credit cards are not popular in second- and third-tier cities, and the overdue interest rate of credit cards is also very high. With late payment fees, the profits are even higher than private lending.

Wankatong gave Xiao Chen a 4/10,000 interest rate, so Xiao Chen naturally felt that it was not high, not to mention that there was Yang Yan who was 5/10,000 next to him.

Others were no longer at work at this time, and someone said, "Xiao Yang, Xiao Chen, how about you try it?

If you want to try it, you will know whether it is a scam.
To be continued...