Ma Yun's guess seemed to be coming true.
On July 6th, Far away quietly carried out a Wantoon update.
This time, Wantoon update added a new function, Wantoon consumer loans.
This time, consumer loans were not opened for all users. Only some loyal users of Wan Tong, who had consumption records in Wan Tong and had established a credit system, were allowed to open consumer loans as a pilot.
On the 6th, there were not many users who were eligible for consumer loans. There were less than 50,000 people in total.
The amount opened was not too high, about 3,000 yuan per person.
Wantoon consumer loans had a total loan balance of 150 million yuan. Compared to the loan limits of some large loan companies and well-known small loan companies, the amount of more than 100 million yuan was not too eye-catching.
However, this was the first time that Hua Xia had a formal online consumer loan.
Far away obtained a consumer finance license, which meant that Far away's Wantoon consumer loans did not have any loopholes or violations. This was the first company to obtain an official license to carry out online personal loans.
Compared to Hua Xia's many people, 50,000 people was somewhat insignificant.
However, the emergence of Wantoon consumer loans shocked many people.
Internet finance seemed to have increased the pace of encroaching on traditional finance.
Payment business, savings business, settlement business, including the current loan business, and the emergence of products such as virtual currency funds.
It was an announcement that Internet finance had already involved more and more fields, and even had a trend of covering the entire traditional financial business field.
Wantoon consumer loans were not quite the same as spending money, but more like borrowing money.
In fact, this had already involved the small loan business.
However, at this moment, these concepts were still very vague. The concept of Internet finance had just appeared not long ago, and Far away was only in the pilot phase, so no one investigated the difference between consumer loans and small loans.
…
The traditional financial industry saw this trend and change.
The emerging Internet finance field also saw this change.
The country was 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 this private enterprise Far away obtained the first consumer finance license …
All of this showed that Internet finance had entered the eyes of the government, and the government was also supporting it.
Without the support of the government, how could Far away obtain the first consumer finance license for a private enterprise?
At the same time, it was enough to show that the government trusted Far away.
Generally speaking, state-owned enterprises would take the lead in this kind of new industry reform. After all, state-owned enterprises were easier to control and guide, and it was easier to stop losses in time.
As for private enterprises, the government's supervision in this area was still somewhat troublesome.
Now, Far Away was able to obtain a license and become a pioneer in the reform of the industry. This was enough to show the government's trust in Far Away. Otherwise, such a major financial issue would not be handed over to Far Away.
For a moment, many people's hearts began to tremble.
…
The industry insiders were shocked, and the ordinary users were also surprised.
On this day, many people's mobile apps had the words "consumer loan" on them.
Some curious people clicked on it to take a look. After following the process for a while, they realized that there was an additional word on their phone's interface.
Some people found it unbelievable. Borrowing money online?
No collateral?
I don't need to go through any procedures?
Then I can borrow money?
Before the concept of P2P loans became popular, it was hard for ordinary consumers to believe that they could borrow money on the internet without any collateral.
…
Pingchuan.
In an unknown small company, Yang Yan curiously looked at the phone's interface. There was only a huge number on it: 10000 yuan.
Yang Yan carefully looked at the introduction for a while, then asked her colleague curiously, "Really? You don't need anything and you can just get a loan online? We haven't even met. It's not that easy to borrow money from usury, right? "
The middle-aged female colleague was even more surprised than her. She asked curiously, "What loan? You don't have money again? I say, Little Yang, you should be thrifty … "
"Big Sister Zhang, it's not that. Aren't you also using a Wan Tao card? Take a look for yourself. Today's Wan Tao card has an entry for consumer loans. Just click on it, open it, and you can see how much money you can borrow. I looked at the instructions. As long as you authenticate your real name, you don't need anything else. It says that the money will be transferred to your account in three minutes. How can it be so cheap? "
"Really?"
The female colleague was even more surprised. She hurriedly opened her Wan Tao card and looked at it for a while. After a while, Big Sister Zhang looked at Yang Yan suspiciously and said, "I can't find the entry. Little Yang, don't tell me you were scammed?"
"No?"
Yang Yan said in surprise, "How can it not be? It's on the front page. I saw it the moment I went in. Let me see yours …"
As she spoke, Yang Yan looked at Big Sister Zhang's phone. After looking around, she still could not find the entry for consumer loans. Yang Yan said gloomily, "It can't be. Big Sister Zhang, you didn't update the version, right? I didn't have it before. I only got it after the update this morning. "
"I updated it. It's the version that was updated this morning. Little Yang, let me see yours …"
As Big Sister Zhang said this, the others also looked at their phones.
After a while, someone in the office said, "I have one too. It's true. It can't be fake, right? Wan Tao is a business that's far away."
"You have one too? Why don't I have one? Little Yang, Little Chen, help me take a look too … "
"I don't have one either. That's strange. Could it be that the updated version is different?"
"Only Little Yang and Little Chen seem to have it in our office. Did you get scammed?"
"It can't be …"
Everyone was discussing it. At this moment, Yang Yan, who had spoken before, suddenly said, "I think there's an introduction on it. It says that some of the Wan Tao users with good credit, who have shopping records at Far Away Mall, and who have financial management at Yu 'e Bao, will have the opportunity to open a consumer loan. I've been shopping at Far Away Mall for the past few years. I've also saved 20000 at Yu 'e Bao. Don't tell me it was opened because of this? "
Another user who had opened the account also hurriedly said, "Me too. In our office, only Sister Yang and I shop more online. I've also saved 50000 at Yu 'e Bao! This consumer loan should be related to this. My limit is higher than Sister Yang's. It's 20000. "
"Is that so? Far Away, what are you doing? Are you treating us differently? We are also loyal customers of Far Away. It's just that we usually shop at Faraway Supermarket and don't shop online. You guys have opened it, but you didn't open it for us … "
Someone said with some jealousy. People were actually afraid of comparison.
No matter what it was, if you had it and I had it, everyone would feel balanced.
But if you had it and I didn't, then others would feel a little unbalanced.
Many people in the office were seniors of Yang Yan and the others, and even their supervisors.
In the end, only the two of them had it in the entire office. Even if others didn't say anything, their supervisors were unhappy.
Only Little Yang and Little Chen didn't have a high salary, and they spent lavishly. They didn't have much savings, but they had actually become Far Away's VIP customers.
These people's salaries were much higher than Little Yang and the others', but they weren't VIP customers. This kind of difference naturally made people feel sour.
Yes, in their opinion, those who had opened consumer loans at this time were obviously Far Away's VIP customers. Those who hadn't opened it naturally weren't.
Yang Yan's supervisor felt a little sour and said casually, "It's hard to say whether it's true or not. 10000 yuan isn't a small amount. Far Away's rich people aren't that generous, right? They didn't even meet face to face, and they lent in three minutes. Is that possible? By the way, is it free or does it require interest? "
"The interest is 0.05% a day …" Before Yang Yan could finish, Little Chen suddenly said, "0.04% a day …"
At this, the others were even more curious. How could the interest be different for two people?
Yang Yan was also puzzled. "You mean 0.04%?"
Little Chen nodded with a smile and said, "Yes, I just looked at it. The agreement says that the interest is between 0.03% and 0.05%. According to the individual's credit rating and spending history, everyone will enjoy different interest rates. Far Away, I probably shopped a lot, so the interest rate is lower. 0.04%. That's not considered high … "
Private loans at this time had very high interest rates. It was normal to have an annual interest rate of 50%.
As for bank loans, although the interest rate was not high, it was impossible for ordinary people to borrow.
At this time, credit cards were not popular in second- and third-tier cities, and credit card interest rates were also very high. Coupled with the late fees, the interest was even higher than private loans.
Little Chen naturally felt that the interest rate from the Universal Card was 0.04%, not to mention that there was Yang Yan beside him who had an interest rate of 0.05%.
The others were no longer in the mood to work. Someone said, "Little Yang, Little Chen, why don't we give it a try?
We'll know if it's a scam once we try it.
Anyway, the interest rate is not high. It's only a few yuan a day if we lend it all out.
By the way, can we withdraw the money?
Don't tell me we have to spend it online?
Nowadays, many shops use this as a gimmick. They say they're giving you discount coupons, but you have to go there and spend as much as you want … "
Little Chen immediately said, "No, the higher-ups say that if we borrow money, the money can be transferred directly to the bank card. It only takes three minutes."
"Directly to the bank card? Is there such a good thing? Not to mention the bank loan, even the credit card application takes time. If we want to withdraw cash, we have to withdraw cash. There are all sorts of fees, and we can't withdraw everything … "
Little Chen hurriedly said, "It's true. That's what the higher-ups said. Besides, this is Li Dong's company. They shouldn't be lying, right? 20000 is nothing to Li Dong. I'm afraid he won't even pick it up if it falls on the ground. "
"How can that be the same? Little Chen, why don't you give it a try? Didn't you say that you wanted to renovate your house? If you can really get a loan of 20000, you don't even need to go to the bank. With the money you have, it should be enough. If it really doesn't work, you can borrow it and pay it back. If you really want to charge interest, we will pay for you, alright? Let's try it and see if it's true. 20000 is only 8 yuan a day. I just saw it. The higher-ups say that you can repay it anytime. If you can't, you can pay it immediately. "
"That's right. Little Chen, give it a try. It's just a few yuan."
The others began to persuade him. Little Chen hesitated. After thinking for a while, she said, "Why don't I borrow 100 yuan first?"
"You can borrow 100 yuan?"
"Yes, there is no limit on the amount. I'll try. Even if it's really gone, 100 yuan isn't much of a loss. Anyway, isn't everyone just looking at it for curiosity?"
As Little Chen said this, she was relieved. Try to borrow 100 yuan. If she could really borrow it, this 20000 yuan could really help her a lot.
Her family's house had been preparing to be renovated, but all her belongings were now only tens of thousands of yuan in Yu 'e Bao. It was not enough.
Her husband's salary was used at home, and both her parents were not rich.
Looking for a bank, the bank did not have the option of a renovation loan. The procedures were also very troublesome. It was not worthwhile to go to the bank for 20,000 to 30,000 yuan.
So far away, if she could really borrow money without going through the procedures, she might really be able to renovate the house this time.
Anyway, she had just seen that she could pay it back in installments. The maximum was three years. She could pay it back a little every month. This was not too much pressure for them.
With an attitude of giving it a try, Little Chen began to operate the card.
After a while, Little Chen looked up and said, "Yes, it's transferring the money. I wonder if it can be transferred to my card?"
At this moment, not only were the others concerned, but Yang Yan was also concerned.
She still had a credit limit of 10000 yuan.
If she could really borrow it, she would have the money to buy the necklace she fancied last time. After she got her salary, she could slowly pay it back over a few months.
At this moment, everyone was slacking, and the supervisor in the office did not say anything.
Actually, the supervisor was also a little anxious. At this moment, she actually hoped that the money would not be transferred to her account. It would be even better if it was a scam.
Otherwise, it would be embarrassing if her subordinate was more trustworthy than her, the supervisor. So far away was more trustworthy.
Just as everyone was anticipating, about two minutes later, Little Chen's phone suddenly rang. Looking at the phone screen, Little Chen exclaimed in surprise, "It's really transferred to my account!"
In the past, the bank card SMS notification service was only promoted among major clients. However, as time passed and the demand for internet payments increased, major payment companies were now discussing cooperation with banks.
The SMS notification service was also becoming more common now.
The moment he saw the text message, he saw that there was really an additional 100 yuan in his account. Little Chen was overjoyed and said, "Li Dong's company is really different. There are no procedures at all, and the money is already transferred in a few minutes. If I were to run away with the money … "
Although he said that, Little Chen immediately said, "Of course, I will definitely return the money I borrowed. It's just that it will be delayed for a few months. I didn't expect the money to be transferred so quickly. This Wan Tong service has solved an urgent problem. I didn't expect Li Dong's company to start giving out money right after giving out money. "
Little Chen sighed for a while. At this moment, the others were also tempted. They did not expect the money to be transferred so quickly!
Unfortunately, among the people present, except for Yang Yan, no one else had activated this service. At this moment, they could only look at Little Chen and Yang Yan beaming with joy. Everyone felt a little upset.
Someone asked in a low voice, "Little Chen, how much would it cost to activate this service?"
Little Chen shook his head and said, "I really don't know, but I've bought about 20,000 to 30,000 yuan online. They're all practical things, so it's no different from going to the supermarket. Oh right, there's also the Yu 'e Bao deposit. With the deposit, I think it should be possible to activate it. Do you want to give it a try? "
"Yu 'e Bao, online shopping …"
Those who had not activated the service were all thinking about whether they should buy some things online and deposit some money into Yu 'e Bao.
Otherwise, they could only watch Little Chen and the others flaunt their prowess.
…
On this day, there were more than one or two people who had such doubts and disbelief.
And Yang Yan was not the only one who was thinking about going to Far Away Mall to buy something.
As for the trial users, many of them had activated consumer loans, whether actively or passively.
Many of them had even started taking out loans.
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