The re-birth money is rolling in

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CC, the fastest update of rebirth is rolling!

No. 6, the distance launches consumption loan, No. 7, and the distant launched a special loan.

Two loans have caused a small response in the user group.

Some people support, some people oppose.

There is even someone say that Li Dong wants to make money, thinking crazy, now started to start a lending business.

For these topics, there is no response from this side.

For consumption loans and small loans, it is good to be bad. This is different from person to person. Everyone's ideas are different. Some people support naturally.

There are also people who have joined Li Dong, think that far more and more.

Compared with the bank's cumbersome process, the remote procedures are very simple, minutes from account, this is a good gospel for some people who are eager to use money.

While the distant launch of personal loans, some SMEs look forward to it.

At the Internet Conference in 2008, Li Dong and Ma said that he should support SMEs. The bank does not give SME loans, then they will change banks.

What they said on the same day, some are not worth mentioning.

But now, with the distance of consumption financial licenses, this kind of thing will happen.

Of course, the current consumption is not high, and it is targeted by the consumption, the current consumption loans now do, but it is aimed at individual, plus low, and no one in the case of unclear law. Say what.

It can be used for business loans for SMEs, there is no small loan license, and the distance cannot be lended to them.

So, at this moment, some urgent need to use money, but also in the bank that is unable to obtain loans, it is urgent to quickly get the network small loan license.

As long as you get it, according to the distance of the distant act, the door to the small and medium-sized businesses will be opened soon.

... SMEs are looking forward to it.

Afar.

Li Dong is also so guilty, "the small loan license should get the hand as soon as possible, now Ali them are promoting the distribution of small loan licenses. Although we already have a consumption financial license, you have a small loan license to get your hand, which is more beneficial to us. .

It is getting better and better in the B2B field before Ali, which is to help some SMEs have opened the international market.

In China, some potential SMEs are actually helpful to the company.

Sometimes, we need a lot of small and medium-sized enterprises to cooperate and support.

In the past few years, we have always been a single play.

Until 2009, we set up a retail alliance, only some SMEs in the retail field, at this time, we are just a group.

Such a group, the power is not strong enough!

A company, I want to be stable, I want to do it in all walks of life, and a single area is not enough.

Caise SMEs, become a part of us, the more companies participate, the more beneficial to the distance.

Big enterprises, in fact, not a single existence.

When we are weak, this doesn't matter, there is no hurt, you can wait until we are strong, you need to take into account these.

Enterprise loans, it doesn't matter, it is actually important.

We lend to SMEs, even if we are just a platform for lending, it is enough to let us affect these companies.

In the future, we have some cooperation or expansion behaviors, these companies, the first consideration cannot be an enemy in the distance and can only cooperate with them.

Because we have their economic life pulse!

Why is the bank so powerful? Loans are very important!

Both owes bank loans, some companies are afraid of banks to pay in advance, in advance, and how many companies are tossing.

Although we are not banks, we have not dying these companies, but as long as they do loans, it is actually a control.

Therefore, SME loan business should be made as soon as possible.

Enterprise loans come out, our loan business is almost the layout, plus the amount of deposit business of the balance treasure, Wan Carton's payment settlement business ... These businesses have done, in addition to some intermediate business, we can't do it, distant Finance is another bank in the sense.

In fact, the development direction of distant finance is this direction.

In the end, we must set up an Internet bank.

Now, Huaxia is not open, but this trend is increasingly obvious, I think, how long it takes, private banks will appear.

Internet banks, I think will also be recognized by the government with the development of the times, and become a part of the financial field.

For a private enterprise, the final derivative has made banks, this is also the greatest recognition and protection of the company.

Internet bank!

These words have been out, and the eyes are very different.

In Huaxia, especially now, the traditional financial field has not been impacted, and the bank is actually a real Huaxia's domineering.

With a large number of cash flow, treat any enterprises, actually have some advantages.

This year, is there a business that is not a bad bank? hardly!

The larger the company, the more differences.

It is said that the first petrochemical, second oil is ranked at Huaxia, is they owe the money? Owe!

Of course, these central enterprises, the government will allocate, and their profits are also scary. They are not lacking, but they are owed, this is also the fact.

Banks generally do not reject their loans, nor will they have dunning, and the debt relationship between the two sides is also the fact.

As a creditor, the bank is not a grandfather, it is really looking for you, you have nothing to say.

Therefore, the bank is the actual Chinese business community.

The distant finance is now doing in this field. Once it is true, it really laid the foundation of the distant enemy.

However, private banks are now not officially formed, and Internet banks are more difficult than private banks. They want to do the first Internet bank in Huaxia, not that simple.

In the past, Teng Xun's ministerial bank was established, or was approved at the end of 14 years, 15 years officially opened.

I want to make the government to recognize the government, let the government approved, and the difficulty is not general.

Among the meeting rooms, others did not speak.

Li Dong did not continue this topic, continue: "In addition to these, it is the financing issue of consumption and exclusive loans.

As a consumer loan for the Internet, this time we no longer take the traditional financial channel.

Traditional small loan companies, in general, their last source of funds, in fact, most of them through banks and shareholders.

Of course, I am talking about a formal small loan company, and other private funds will not be mentioned.

And us this time, I have considered it for a long time, no need to go to banks and trusts, insurance these channels, as for shareholders, we have no ability to support.

So I want to finance through ABS channels.

Consumer loans and exclusive loans, the final annual interest rate can reach 20%, of course, interest is interest, there will be some dead accounts, remove these, until the end, the income will not be so high, 10% or more Still not a problem.

And ABS financing, I saw the financing situation of other platforms a few days ago, generally at 3.

8% -8.

5% between.

Moreover, the period of ABS is generally not short, and three to five years are normal.

If the project is good, take 5% interest rate, I don't think it is too difficult.

Today's bank large loans, time is more than three years, interest rates must exceed 5%, in fact, the difference is not large, and more easily than banks, ABS financing review is easier, raising funds simpler.

The key point is that you don't have to make pledge!

In the past, our loans were all asset pledges. It is not that we use, we use our own industries, obviously impossible.

Once the bank does not make money, our principal is only 2 billion, which clearly does not reach my expectations.

Next, the group is here to start preparing financing through the ABS channel.

Although the current consumption and exclusive loan is not large, there are no more than 1 million funds for two days, plus today, it should be around 20 million.

And most of us is a short-term loan, in other words, according to this extent, the amount of our finals put out will be around 2 billion.

One month later, most of them will return.

It is now now, over time, and our credit system has established success, give more users to create credit channels, open their loan business, and the size of the loan I want to climb widely.

In the end, a month's capital flow is definitely not a small number, more than 10 billion in my opinion is a short thing.

Therefore, we should do a little ready, after all, we still do this, I mean, in August, we have a billion financing plan, the interest rate is about 5%, the time is three years.

The project entity is our consumption loan project.

First test the market situation, lest before doing this project, we have no experience ... "

Li Dong said, the distant financial Cao Jin lived slightly, "Li Qi, what you said is substantially feasible.

It can be said that you may not be listening, even if the scale continues to expand, in August, our monthly loans will not exceed 2 billion, which is inevitable.

Start financing in August, ABS financing speed is still very fast, and the financing program may be completed at the end of August.

And this special financing, the balance of finance will only enter the project, that is, this money can only be used for consumption loans.

10 billion funds, it is possible to become our reserves, even if there is any income in the bank account, the benefits will not be too high, and finally we at least pay 2 points.

Plus ABS financing, in fact, it is also charged, usually 1 point.

Now financing 10 billion, I think it's too early. If we don't exceed 2 billion in a short time, it is not enough to finance so much.

Otherwise, one year, we at least 2 billion.

In fact, even if you want to finance, there is more than 10 billion more than ... "

Cao Jinsheng also starting from the actual situation and giving Li Dong calculated.

The distant finance, there is no need to empty so much money, compared to the current scale, 10 billion, this reserve is too much, not to mention it is not your own money.

If you can't let go, you have to give others interest, is it necessary? 10 billion stay in the distant accounts, after a year, still so much money is on the book, the distance in the distance is 2 billion.

He finished, Li Dong frowed: "I didn't say it before? Next, as our credit system is completed, we will have a large scale to open.

I also said yesterday, around October, two loans, to reach 20 billion sizes.

Do you think, I am joking? Is there a lot of more than 20 billion? Is there a lot of 10 billion? Wan Cartong has more than 200 million people, my plan is to gradually open the user's permissions, and finally at least 10% ratio, this is the lowest.

20 million people can make loan consumption, even half of them are used, there are more than 10 million people.

The per capita loan amount is 1,000 yuan, that is, 10 billion.

How long do you think this time does it take? As long as the credit system is established, it is possible!

Therefore, in advance, up to one or two months of interest fees, the actual time may be shorter, when the company's loan is opened, what is 10 billion? The month's interest, from their interest, soon earned, and finally we will only earn, but will not lose.

Prepared in advance, it is better than you are ready.

To avoid arrival, the reserve is not enough, the customer loan, there is no deposit, which is the greatest blow to our credibility.

This matter, you have to take a step three steps, don't look at the things in front of you, our scale is small, but it will always be this scale? "

He said, Cao Jin Sheng took a while, I had to say: "Then we will start preparing, but 5% of the three-year ..."

In the current ABS platform, 5% interest rate is generally short-term interest rates, generally in the half-year to one year.

Li Dong wants to use this interest rate to do financing in the three-year period, and it is a little difficult.

Li Dong Lang said: "Try first, in fact, users involved in financing, not only considering the rate of interest rates, many people value more and the visibility of the enterprise.

Small enterprises, need to be attractive with high interest rates, and now I am a little famous, the key is still in a stable.

At present, there are not many large enterprises participating in ABS financing. The interest rate given by government projects is not high. Although we have no way and government ratio, it can be said that some small countries don't necessarily have we have credibility and popularity.

He said so, what other ways in Cao Jinsheng, the end, should be said: "Well, then I will go back.

As for 5% of the three-year period, can I financing to 10 billion, take a luck.

The financing is not so much, Li Dong can't blame him, after all, 5% is really not high, now the bank's three years is not much, it is not much.

Of course, this is world financing, China's deposit has interest, some national deposits have to be stocked, and they cannot be simply treated in China.

For some foreign investors, 5% can accept it.

However, things have not been as simple as Li Dong, the name of the distance, the key is to concentrate on the country, can only be said in the world, I am afraid I have to watch Weibo listed.

As long as Weibo is listed on the market, the distinction in the world is established.

Once Weibo has not burst out the result of the desired results, what channel financing is tube, the next far financing will be much difficult.

Cao Jin Sheng considers the distant finance, and Yuan Chengdao, who has not been there, is a look at Li Dong.

In the past, Li Dong did rarely care about this, and would not deliberately consider what channels used to finance.

Now, listening to Li Dong's words, he should have a survey for ABS for a while, or not, the Zhangkou is how much interest rate range.

Is Li Dong really simply finance in distinct financial financing? Yuan Chengdao feels not only this!

Now financing 10 billion trial priority, once the market is good, the distance from the distance is sought after, then, is there a financing plan for 50 billion or even more than 10 billion or more? And how much is it finisher? What is it used? The financing is more money, that is not your own money, it is to pay interest.

Even if it is 5%, 100 billion finance, one year, the light is 5 billion.

And this 100 billion cannot create more than 5 billion profits, that is, loss of sale.

Once a loss, the loss is not only the 5 billion problem, the key is that ABS financing is a guarantee with its own project.

This project does not make money, it is still a loss, the effect is even more, even the distant payment of these interest subsidies will cause some adverse effects.

After all, in many people look, invest in the distance is that the distant battle is invincible, not losing money.

But if Li Dong takes these money for retail mergers, can you earn a profit in the short term? For this, Yuan Chengdao is a doubt, this moment, Yuan Chengdao is slightly worried.

I think about these things in my heart, Yuan Chengdao is slightly god.

Until, I felt a gaze, Yuan Chengdao woke up and looked up and looked at everyone.

At this time, Liu Qi, a whisper reminded: "Li always makes you summarize the performance of the two quarters in the first half of the year.

Now that it has been in July, half of 2009 has passed, and the performance summary of the first half of the year has also been coming.

As the president of the group, the performance summary of the first half of the year is naturally a clear.

In fact, today's conference is to give a summary for the first half of the year, it is all about the extra topic.

As a result, Li Dong asked a few words, Yuan Chengdao did not respond, naturally caused everyone's gaze.

Liu Qi reminded that Yuan Chengdao was busy: "Just said that Li said ABS financing, I just thought that there were some other projects, and ABS financing, I was fascinated, sorry.

Briefly explained a sentence, see Li Dong not care, Yuan Chengdao is loose.

Then, Yuan Chengdao picked up the document and began to say the business summary report in the first half of the year.

In the conference room, others also listened carefully. Li Dong did even start writing paintings, obviously paying more attention to the performance of the distance in the first half of the year.

After all, there are a lot of distant movements in the first half of the year, and there are many paving work. In the first half of the year, it has been completed, and it is still important to achieve significant breakthroughs. The performance of the first half of the year is still very important.