Far away's first launch of consumer loans was to attract the attention of users.
After all, with cash in hand, many people would believe in the authenticity of consumer loans.
Then, on the 7th, when Distance launched a trial operation again, it would be similar to Hua Pai's exclusive loan. Then, the dagger would be revealed!
Exclusive loans were different from consumer loans. If consumer loans were borrowed, then exclusive loans were spent.
The role of Flower Bank was naturally for real consumption. Far away's industries could be used for consumption. This was called exclusive loans.
This was actually an advance on everyone's consumption potential to promote the user's consumption desire.
In Far Away Mall and Wanjia, exclusive loans could be used directly as money and enjoyed the same interest-free period as credit cards.
For users who did not even have credit cards, where could they find such a good thing to spend money Far away and buy things Far away for free?
All the people who used these consumer loans would not think about repayment in the early stage.
As for the later stage, that was a matter for later.
When exclusive loans appeared, compared to the larger mall sales system, there did not seem to be any increase on the same day.
But the data from Far Away's data center made Li Dong smile.
On the 7th, the number of users who had opened exclusive loans was a little more than the previous users of consumer loans, reaching 100,000.
On the 7th, more than half of the users had opened exclusive loans. On the same day, some users used exclusive loans for shopping and other consumption in pursuit of novelty.
There were more than 20,000 users who used exclusive loans, and the amount was more than 2 million yuan!
On the first day, there were not many users who opened it. It was still in the trial operation stage. Many people did not even understand these concepts. However, on the first day, 20,000 people used exclusive loans, and the amount used was more than 2 million yuan. This was already very shocking.
…
Far away headquarters.
Far Away Finance's president, Cao Jinsheng, said with a face full of disbelief, "I suspect that the users do not even fully understand what this is. How dare they use this money to shop?"
He did not know whether to be happy or worried.
With such unrestrained use, could the money be recovered in the end?
Although there was not much money released at present, and there were few people who actually used it.
But on the 6th, the consumer loan was still loaned out for more than 5 million yuan. On the 7th, the consumer loan and exclusive loan totaled about 8 million yuan.
He had spent 13 million yuan in two days.
Could this money really be collected?
This was just the beginning. In the future, when the scale increased and the amount of money was released every day, what would happen if a large number of dead and bad debts appeared?
He was worried, but Li Dong wasn't. He laughed and said, "This isn't something difficult to understand. It's just an advance payment.
What's more, the users that we have now opened are all users that we have already established a credit system for.
Far away, these people had strong spending power, and most of them had savings in Yu 'e Bao.
I'm not worried about their ability to repay the loan.
What's more, our credit limit isn't too high, so the risk is actually much lower than that of a bank.
Bank credit cards are manually reviewed, and all kinds of information falsification 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 based on data comparison and analysis in a large database. In the end, we will open them together.
From this point of view, our risk control is actually stricter than that of a bank.
As long as we do a good job in data analysis and audit, we will definitely make money from these loans.
In fact, these interests are only a small source of profit.
The key is that a large part of this money eventually flows into Far away, and we carry out a second profit collection.
Moreover, the appearance of exclusive loans will also be a great help to our mall's performance.
Today's 2 million exclusive loan consumption, at least 1 million of which will not become our performance.
But when the users have a sum of money that doesn't seem to belong to them, at that time, everyone will subconsciously increase their shopping budget. Even those who didn't prepare to shop will think of shopping.
People are like this. Money that they don't get will feel worthless.
It's small now, so it's not too obvious.
When the scale is large, when we expand this user group to 2 million, 20 million, or even 200 million people!
At that time, if the average shopping budget increases by 500 yuan, we can increase our revenue by 100 billion!
Collect their interest, collect their installment fees, and then earn a sum from them in performance. Then, our own funds will be revitalized.
This is killing many birds with one stone! "
"This is called plucking feathers from wild geese …"
In the office, a soft voice came out.
Li Dong raised his eyebrows and looked at the few people opposite him. "Why? Do you think it's inappropriate? Or do you think that by doing this, we are encouraging consumers to overspend? "
Li Dong said in a slightly sarcastic tone, "Who doesn't want to increase their revenue and profits in business?
All kinds of commercial activities, all kinds of promotional activities, all kinds of store expansion …
Is it all a joke?
Isn't the final goal to make money?
I'm not breaking the law, not violating the rules, and using normal means to expand our revenue source, but it's called plucking feathers from wild geese?
This can only mean that you are too childish!
According to your thinking, everyone should just stop doing business. Because if you do business, then everyone will have to buy things, and buying things will have to spend money. Then you are plucking feathers from wild geese.
The enterprise has reached this point, yet there are still such naive thoughts.
I have to say, you people always make me feel a little disappointed.
Moreover, if I don't do it, others won't do it?
Is there a difference between bank loans and bank credit cards and us?
Even without us, everyone has other methods and other channels to spend.
If they choose usury, it will be ten times, a hundred times worse than us.
Isn't it something that we should and must do to allow consumers to spend their limited funds in a faraway place?
It's enough for me to hear such childish remarks once. I don't want it to happen again.
And to put it bluntly, compared to others, Far away at least has a conscience.
At the very least, our products are genuine, strict, and rigorous. I don't dare to say that there are no problems when consumers buy from us, but more than 95% of them are worth it.
Letting consumers buy, spend, and shop from us is actually helping them.
Let's not talk about this nonsense. In short, it's only July now. On July 18th, we will do a simple test operation.
Next, we still have a few months to expand everything we have now.
I hope that in a few months, our exclusive loans can exceed 10 million users and create more than 10 billion in additional performance.
Victory is often accumulated bit by bit.
Today, we gave the users another choice and attracted more users. Not only did we strengthen ourselves, but we also weakened our opponents.
If this continues, sooner or later, the others will be completely left behind by us. "
When Li Dong said this, he finally said, "So, next, Far away has to work harder in the finance area.
Yu 'e Bao needs to attract more funds, Wan' toon needs to promote more users, consumer loans and exclusive loans also need to increase a large number of users.
I have always said that we need to defeat Ali and Taobao.
In fact, if Far away's finance is operated well, it might be the last straw that breaks Ali's back.
This point should not be ignored.
Although we are doing a lot of things now, we are talking about mergers and acquisitions everywhere.
But it doesn't mean that I have to give up the IT industry and sit back and watch Ali grow stronger.
While Ali hasn't gotten the small loan license and consumer finance license, this is also our opportunity.
Otherwise, once they get their hands on it, our advantage will be greatly weakened. "
Everyone nodded. As for the person who said "taking advantage of the situation", no one continued to care or pursue the matter.
Li Dong did not pursue the matter and said, "In October, after the National Day holiday, there are still three months from now.
And in three months, Shen Qian may be giving birth.
I hope that you can give me a little surprise at that time.
Yu 'e Bao, I hope that the funds absorbed by that time will exceed 100 billion.
I hope to reach 10 times the leverage of exclusive loans and consumer loans, which is a limit of 20 billion.
If these points can be achieved, then Far away's e-commerce and internet finance will achieve breakthroughs, which will provide strong assistance and support for some of our subsequent plans.
This year will definitely be a year of big breakthroughs for Far away.
From the acquisition of Gome in January, to the defeat of Tencent in May, to the listing of Weibo, and the formation of the retail industry alliance …
I think the world will definitely see a different Far away at the annual meeting in 10 years.
And this year, on my personal side, marrying a wife and having children are also two big happy events.
My greatest success is to be able to have a happy family and career.
I, Li Dong, also hope to succeed and become the final winner. But all of this will definitely not be achieved by me alone.
Everyone here is the cornerstone of my family and career success.
That's all I have to say. Everyone, keep up the good work.
While Ali and other companies are unable to obtain licenses, we will monopolize the market and strive to occupy an absolute market share and advantage in a short period of time.
Once the other companies catch up, then our advantage will be greatly weakened. "
When Li Dong spoke, everyone's face was solemn, and many people quickly nodded.
Far away had actually given Li Dong a few big gifts for his wedding in June.
The retail industry alliance had been integrated and officially put into operation.
Tencent had been defeated, and Far away had become the number one overlord in the IT industry.
Following that, on Li Dong's birthday in August, Far Away had actually prepared two big gifts for him.
Tencent was preparing to resume trading, and Weibo was preparing to be listed.
Previously, Weibo's listing was actually delayed until after September. But now, Weibo's IPO team was working hard to complete the IPO before Li Dong's birthday. This way, Li Dong would not have to worry about where to ring the bell on his birthday.
If this acquisition plan was successful, Far Away could even give him a big gift on his birthday.
In October, Li Dong's first child was born, and now, Li Dong had taken the initiative to Far Away to give him a big gift.
The value of these gifts would probably exceed everyone's expectations.
As for whether or not they would be able to present this gift, it was time to test everyone.
Now, there wasn't much time. Whoever could be the first to come out on top and present this gift list to Li Dong might have a great impact on the future.
…
Li Dong was waiting for someone to give him a gift.
But when the exclusive loan was announced on the 7th, Ma Yun could not sit still.
He did not expect Far Away to act so quickly.
If Li Dong was earning interest on the consumer loan on the 6th, then the exclusive loan on the 7th was just like what the people in Li Dong's office had said at the time, "plucking feathers from the geese"!
It was plucking the feathers of the online consumers. Far Away was plucking the feathers of all the users, including foreign users.
Far Away was plucked from these people, and where could Ali go?
Resources, money, these things were actually limited to consumers. It was impossible for a person to continue spending without scruples.
Far Away was plucked once, and Ali was plucking again. It would be completely different.
As soon as the exclusive loan was released, Ma Yun began to make phone calls in his office. This matter couldn't be delayed any longer.
Otherwise, the longer it was delayed, the bigger the trouble would be.
Previously, Ma Yun had not made up his mind. But now, Ma Yun had made up his mind. He would look for someone to cooperate with!
No matter what the result was, he could not let Far Away continue to take the lead. Otherwise, Ali's crisis would only become more and more serious.
On the 7th, Ma Yun did not go out at all. He made countless calls in his office.
Companies like Suning and Bailian could cooperate with him, and they could also help Ali get the various licenses.
At a time when the sense of crisis was increasing, Ma Yun could only not think about his future interests. It was already good enough that he could grasp the present.
And at this time, Ma Yun was actually a little confused.
What was Li Dong up to these days?
Previously, he kept moving and finally got the Tencent. In the beginning, no one would target the Tencent.
Now, Far Away was the same.
There were all kinds of frequent movements. It seemed like a lot of movements, but from Ma Yun's point of view, it was all for one core purpose.
Was Li Dong's main target really Ali?
Other than Li Dong, there were probably not many who could guess it.
If it was not Ali, then who was it?
At this time, Ma Yun was really looking forward to it. He could not wait to go to Pingchuan, grab Li Dong's neck and question him. What was he up to?
But there were still ten days until the charity night. If he really wanted to see Li Dong, he would have to wait until then.
And in these ten days, Ma Yun had to prepare a lot of things.
At the very least, he would not be humiliated by Li Dong at the charity night ten days later.
With that guy's character, he would be smug whenever he had some achievements. When he met old enemies like them, he would be even more vicious.
Even Ma Yun, who was used to it, did not want to be despised by that guy every day.
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