Chapter 2090 Low Profit (Please Subscribe!)

Unlimited.

it is good.

not good too.

The good thing is that financing is easy. On the bad side, there is still a reason - the door is opened, and the breeze blows in, but it is not only the breeze.

turbid.

Vegetable fragrance.

fly.

Mosquito.

All come.

Many policies came out with very good original intentions, but they could not resist those who had ulterior motives and wanted to take advantage of the rules to gain huge profits.

disturb the market.

therefore.

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

Only like clothes.

There are holes.

Make up.

It is a failure to let people who need clothes wear some clothes, so that there is no one-size-fits-all approach, flies and mosquitoes cannot get in, but fresh air cannot be sucked.

. . .

Excessive consumption.

in China.

It has not been recognized all the time. The mainstream thinking is how big a mouth is and how much food you eat. If you can't afford it, you should endure it first. Generally, you don't borrow money to consume.

indeed.

This habit is good.

Do not.

It should be said that it is very good. There is a saying that is well said. There is food at home, and I don’t panic. If it is like Europe and the United States, if you eat all the food, you will be fine in normal times.

But.

a special time.

——

depression.

That is, there are countless bankrupt people, how many people's houses will be repossessed by banks, how many people's cars can't even get gas, and then they are eagerly waiting for relief.

It's miserable.

but.

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

If you eat too much, you will die.

therefore.

What Tang Qing opposes is uncontrolled consumption.

If there is moderation.

To grasp a degree, and to spend forward according to the expectation of one-fifth to one-tenth of his annual salary, is a reasonable ratio.

to myself.

to people.

in the enterprise.

in the country.

All have many benefits.

first.

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

for example.

With an annual salary of 120,000 yuan, the Huabei quota can be extended to 24,000 yuan. No matter how much this money is, it will not reduce the quality of life for the whole year.

So.

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

in.

The real thing to be vigilant about is the rise of those dark net loans, personal loans, which were corrupted by ultra-high interest rate dark net loans in previous lives.

several thousand.

roll roll roll.

tens of thousands.

One hundred thousand.

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.

certainly.

The principal and interest that should be repaid cannot be neglected.

usury.

Its 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.

Just civil economic disputes.

go to court.

You also have to repay the principal and interest. If the annual interest rate is lower than 36%, you will also have to pay it back. The part that is higher than that is not used. Tang Qing does not agree with this.

Thirty-six.

the following.

It's a civil dispute, yes.

But above.

It should be directly sent to prison, the customs of the customs, the sentence of the sentence, this kind of interest rate has seriously disturbed the social and economic order, and must be severely cracked down.

too high.

bad.

Severe punishment is required.

to this.

It's not that Tang Qing has done nothing. When some people use dark Internet loans, they will be dealt with like fraudsters, crack down, report, or use dark Internet loans.

Let them lose everything.

There are many ways.

otherwise.

Originally it was a good financial behavior, but when people crossed the line and made everyone shout and beat it, it was really a bit wrong, and let those liars have a good experience.

——

cruelty of this society.

. . .

then.

The vice president introduced the characteristics of Huabei and the interest rate in detail, because this is a comprehensive report that the whole company needs to cooperate.

Tang Qing listened quietly.

interest rate.

Not too high.

If you pay in installments for one year, 7%.

If it is overdue, the daily penalty interest is 5/10,000, which is not low, but it also depends on the situation. What Huabei stimulates is not such a large consumption.

after all.

There has to be a limit anyway.

one thousand.

two thousand.

Five thousand.

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

and.

This is overdue and only 5/10,000 is charged.

Not overdue.

If the repayment is made in the next 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.

Issue three, one point eight.

Sixth, four and five.

One year, seven point five.

real.

Very conscientious, half lower than swiping a credit card.

Second.

is credit.

For the time being, we can only rely on the self-confidence assessment of the enterprise. The bank's credit report is not something that Ali can check. Therefore, two credit systems are mainly used.

First.

Ali.

Based on its past consumption.

second.

tiny.

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

in this way.

Some bad debts can be avoided.

at last.

It is to determine the launch time, which is set on August 31st.

. . .

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 Yundao.

now.

Ali went abroad and expanded aggressively.

nature.

I will not let go of the foreign consumer finance market. After all, although the interest of Huabei instalment is not much, as long as the amount is increased, there will be profits.

Why not many?

Do the math.

Bank loans require interest, and the interest on commercial loans is expensive, and the cost is already a few percent.

also.

The same goes for ABS.

financing.

It's not about how much you borrow or how much you pay back. People who buy your ABS bonds also look at the income. If the income is similar to that of depositing in the bank, ghosts 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 less than 2%, and the outside world thinks how much money Ali has earned.

How do you know.

-

bank.

-

brokerage.

-

investor.

All parties have to take a draw from it. From the perspective of the rate, you can see that Huabei hardly makes any money. Relatively speaking, it is better to borrow a little more.

Direct 5/10,000, just like a credit card.

but.

Still not a huge profit.

because.

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

this time.

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

as if.

There is nothing they cannot do in their country.

Great power.

Access up and down.

and.

At least one-third of them are still bankers, but they vary in size. When they heard about online consumer finance, they were very interested, and they all got involved.

then.

Ali has more than a dozen financial licenses.

as well as.

These branches, Ali Holdings and local partners holding shares, have almost solved Ali's overseas financing problems, and some do not even need to do ABS.

Lending directly to its bank, the cost is greatly reduced.

then.

There is a rather embarrassing problem. The interest rate of Huabei in China will be much higher than that of foreign countries, and it may be criticized by unknown people in the future.

Said they made more money.

black heart.

Eating inside and out.

profiteer.

"..."

to this.

Of course only thought of as a joke.

This issue.

It's not that it can't be explained, most of the masses still have brains.