If we say that the consumer loan launched by Yuanfang first is to attract users' attention.

After all, getting cash makes many people believe in the authenticity of consumer loans.

On the 7th, Yuanfang once again launched an exclusive loan similar to Huabei, which is a bit of a picture to be revealed!

Exclusive loans are different from consumer loans. If consumer loans are Jiebei, then exclusive loans are Huabei.

The role of Huabei is naturally real consumption, and it consumes in its industries under the distant future, which is called exclusive loans.

This is actually to advance everyone’s consumption potential in advance and promote users’ consumption.

In Yuanfang Mall and Wanjia.com, exclusive loans can be used directly as money and enjoy interest-free periods like credit cards.

For users who are not even popular with credit cards nowadays, they can spend money far away and buy things far away for free. Where can I find such a good thing?

All those who use these consumer loans will not consider repayment in the early stage.

As for the later stage, that was also a matter of later.

When exclusive loans appeared, compared with the huge mall sales system, there seemed to be no increase on that day.

However, the data fed back from the remote data center made Li Dong smile.

On the 7th, there were a little more users who opened exclusive loans than the previous consumer loans, reaching 100,000.

On the 7th, more than half of the users opened exclusive loan services. On that day, some users used exclusive loans to shop and other consumption in order to get a curiosity.

The number of users who use exclusive loans exceeded 20,000, and the amount exceeded 2 million yuan!

On the first day, there were not many users, and they were still in the trial operation stage. Many people couldn't even understand these concepts. However, on the first day, 20,000 people used exclusive loans, and the amount used exceeded 2 million yuan, which was already shocking.

...

Distant headquarters.

Cao Jinsheng, the president of Yuanfang Finance, said in disbelief: "I suspect that users may not have completely understood what this is until now, so how dare they use this money to shop?"

He didn't know whether to be happy or worried.

Can the money be recovered in the end if it is used uncontrollably?

Although the money released is not much, there are few people who actually use it.

But on the 6th, consumer loans still cost more than 5 million yuan. On the 7th, consumer loans and exclusive loans cost about 8 million yuan.

In two days, 13 million yuan was spent.

Can this money be recovered?

This is just the beginning. After that, the scale has become larger and more money is released every day. Once there are large-scale dead debts and bad debts, what should I do?

He was worried, but Li Dong was not worried about this and smiled and said, "This is not something difficult to understand. You just advance income.

What's more, the users we are now opening are all user groups that we have established a credit system.

These people have strong consumption capacity in the distance, and most of them have deposits in Yu'ebao.

I think I feel relieved about their repayment ability.

What's more, the amount we opened is not too high, and the risk is actually much smaller than that of the bank.

Bank credit cards are manually reviewed, and all kinds of information fraud 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 data comparison and analysis through large databases, and finally we activated them uniformly.

From this point of view, we actually control risks more severely than banks.

As long as we do a good job in data analysis and auditing, in the end, we will definitely make money with these loans alone.

In fact, these interest is still a small source of interest.

The key is that a large part of this money flows into the distance in the end, and we collect secondary benefits.

Moreover, the emergence of exclusive loans will also be of great help to our mall performance.

Today's 2 million exclusive loan consumption, of which at least 1 million, would not have become our performance.

But when users have a sum of money that doesn't seem to belong to them, at that time, everyone will subconsciously increase their shopping budget, and even those who are not ready to shop will think about shopping.

People are like this, and they don’t get the money they have, and they don’t think it’s worth it.

The scale is small now, not too obvious.

When the scale is getting bigger, we will expand this user base to 2 million, 20 million, or even 200 million people!

By then, if we increase the shopping budget of 500 yuan per person, we can increase our revenue by 100 billion yuan!

We collect their interest, their installment fees, and then earn them a lot in performance, and then our own funds are revitalized.

This is how many eagles are shot in one stone!”

"This is called plucking the hair by the geese..."

In the office, a relatively subtle voice came out.

Li Dong raised his eyebrows and looked at the people opposite him and said, "What, do you think it's inappropriate?"

Or do you think that we are encouraging consumers to overspending consumption?"

Li Dong said a little sarcasticly: "Who doesn't want his own revenue to increase or profits to increase?

Various commercial performances, promotional activities, various store expansions...

Are they all fun?

The final purpose is not to make money!

I am not illegal or illegal. I use normal means to expand our revenue source, but I have become a geese who plucked my hair?

This can only be said that you are too naive!

According to your ideas, then everyone should stop doing business, because if you do business, everyone will have to buy things, and you will have to spend money on buying things. Then you will be plucking your hair by the geese.

When companies have achieved this point, they still have such naive ideas.

I have to say that you people always disappoint me.

What's more, if I don't do it, others won't do it?

Are bank loans, bank credit cards, and these things different from us?

Without us, everyone has other methods and other channels to consume.

If you choose usury, it will be ten times more terrible than us.

Isn’t it something we should and must do to let consumers spend their limited funds in the distance?

I will only listen to this kind of childish remark once, and I don't want it to happen again.

And to put it bluntly, compared to others, the distance is at least conscientious enough.

At least, our products are genuine, strictly checked and rigorously reviewed. I dare not say that consumers are 100% free of charge when buying things from us, but more than 95% of them are worth buying.

Letting consumers buy things, consume and shop from us is actually a help to them.

I won’t say this nonsense. In short, it’s only July, and a simple trial investigation and operation will be conducted on July 18.

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 additional performance of more than 10 billion.

Victory is often accumulated little by little.

Today we have given users one more choice and attracted one more user, which not only strengthens themselves, but also weakens their opponents.

If this continues, sooner or later, others will be completely left behind by us."

When Li Dong said this, he finally said: "So, next, Yuanfang Finance must continue to work hard.

Yu'ebao needs to absorb more funds, Wankatong needs to promote more users, and consumer loans and exclusive loans also need to increase a large number of user groups.

I kept saying that I would defeat Ali and defeat Tabao.

In fact, if a remote finance operates well and operates well, it may become the last straw that crushes Alibaba.

This should not be ignored.

Although, now we are moving a lot and moving a lot, we are talking about mergers and acquisitions everywhere.

It doesn’t mean that I have to give up the IT industry and watch Alibaba grow stronger.

Taking advantage of the fact that Alibaba has not yet obtained a micro loan license and consumer finance license, this is also our opportunity.

Otherwise, once they get it, our advantage will be much weaker next."

Everyone nodded one after another. As for who said "the geese plucked the feathers by passing by", no one continued to care or pursue it.

Li Dong didn't pursue this and said, "In October, after the National Day holiday, there are still three months left before now.

And three months later, Shen Qian may be about to give birth.

I hope you can give me some surprises at that time.

Yu'ebao, I hope the funds absorbed will exceed 100 billion at that time.
To be continued...