Rebirth 1984: Starting with the development of Hanka

Alipay launched Yu'e Bao, which pointed out the "money path" for everyone.

For a time, many people were ready to make a move.

There are many "smart bald" people in the world. After Tang Ni, the CEO of CreditEase Wealth, saw Yu'e Bao, he immediately drew inferences and wanted to move his company's business online.

At the beginning of its development, CreditEase Wealth mainly engaged in the offline P2P model, which means to gather small amounts of funds and lend them to people in need of funds.

"The number of Internet users in China exceeds 8 million. Even if one person only invests 10 yuan, it is still a huge sum of money! On the contrary, CreditEase Wealth has been only doing offline P2P, and the number of users it can face is limited, and it cannot develop no matter how much it can develop. Maybe online P2P is faster!" Tang Ni murmured, his eyes shining, and he could no longer contain his excitement and ambition!

At the same time, in another city, the founder of Paipai also had the same whim and planned to start an online P2P business.

They can't do the Yu'e Bao model. They can't compete completely, and netizens won't trust them, so they must carry out differentiated competition. Online P2P business is undoubtedly the most suitable project, and to a large extent, this project is quite a "white wolf with nothing" because you don't have to contribute any money yourself and rely entirely on people who "cheat" investors.

Just tell investors that you put money in, and high interest will be returned every month.

At first, investors who receive money will feel very happy and excited. They think the P2P project is good. If they invest money, they will really receive high interest every month. This platform is not a scam.

In fact, the interest that investors receive every month is their own money, and the reason why the platform is willing to pay it is because it wants to "cheat" more money into it.

Of course, in order to make money, P2P platforms have opened loan businesses, but the actual situation is that it is difficult for any P2P platform to do a good job in loan business. In the end, they are all bad debts, resulting in heavy losses for the P2P platform. Naturally, there is no way to continue Pay high monthly interest to investors.

As a result, the owner of the P2P platform ran away.

Investors who were deceived could only pay for their own "greed".

There is no such thing as a pie in the sky. It is impossible to really think that you can earn several times by just investing some money.

……

Two months later, Yu'ebao's capital scale reached 5710 billion yuan, causing a huge shock to the traditional financial industry. All major banks in China will face a reshuffle.

At the same time, various online financial companies began to appear on the scene one after another, and they deceived people online under the banner of "Internet financial management".

In fact, the interest rate of Yu'e Bao is already very high, but many people just can't bear the temptation of high rates of return offered by P2P platforms.

The P2P business is too messy and the water is deep. In the future, the country will focus on supervision, and no company under Zhao Ye’s name will engage in P2P.

Furthermore, Zhao Ye has plenty of money, and also has Standard Chartered Galaxy and Galaxy Bank under his name to provide funds, which solves the problem of sources of loan funds and does not need to defraud ordinary people.

Therefore, just when the P2P business began to take off, Alipay updated again and launched Jiebei and Huabei. More financial products will have to wait until later to be updated. The main focus is step by step.

Just borrowing bei and huabei are enough for users to study for a while.

Just when Alipay launched Jiebei and Huabei, Zhao Ye posted on his personal Facebook: "Hello everyone, Alipay APP's Jiebei and Huabei are online, bringing another wave of benefits to everyone. Users in need should hurry up. Go use it! In addition, some P2P online loan platforms have suddenly appeared on the Internet recently. To be honest, I am not very optimistic about the P2P business. The water here is too deep and ordinary companies cannot grasp it at all. It is easy to have some problems, such as It is said that there is a lack of objective and comprehensive borrower credit information, difficulty in supervising the actual use of loaned funds, etc... ultimately leading to a large number of bad debts and causing the P2P platform to go bankrupt."

The launch of Yu’e Bao marks the first year of Internet finance in China.

Therefore, when Zhao Ye published the article, he deliberately reminded everyone that P2P has risks.

But that’s all, Zhao Ye didn’t plan to say more.

It's hard to persuade the damn ghost with good words, and mercy can't help others.

I have already expressed my attitude that I am not optimistic about the P2P business. If anyone is still fooled, it is no one else’s fault.

……

Netizens quickly liked and retweeted Zhao Ye's Facebook post. In less than an hour, the number of comments exceeded 10,000!

Netizens took out their smartphones and logged into Alipay to see what "Jiebei" and "Huabei" were.

After understanding it, I was overjoyed.

Jiebei is a loan service, and Huabei is a consumer credit service.

"Alipay is great! The loan review process for Jiebei is fast, it only takes a few hours. After successfully applying for a loan limit, you can get a loan at any time, and Alipay will pay the money as soon as possible."

"The Huabei credit can only be used for consumption, but it is really good to buy things without spending money for the time being. After all, some people are short of money for a while, so they will choose to use Huabei for consumption, and then slowly pay back the money they make in the future. "

"Damn it, Alipay wants to go to heaven, and it's trying to mess with the bank's cheese again. The loan business is one of the core businesses of the bank!"

"Alipay is great and it really brings convenience to everyone! If I am in a hurry to use money in the future, I can borrow it directly from Alipay. If I am looking for a bank loan, it will take a long time just to go through the process."

"..."

There is a lot of discussion on the Internet.

Many people also believe that the launch of Huabei will stimulate them to consume more.

"Alipay is very bad and has very deep tricks. They want to lure me into shopping through Huabei. Am I that easy to be tempted?" Some people seem to see through everything.

However, it actually smells really good!

After the Huabei service was launched, many people used it, and it was even more popular than Jiebei.

On that day, Huabei became very popular!

Although the popularity of borrowing is slightly lower, the loan amount is higher, the interest rate is higher, and you can make a lot of money.

Countless people who want to seek loans undoubtedly have one more loan channel.

At this time, I am afraid that only banks and companies doing P2P business are a little unhappy.

Zhao Ye posted a post on Facebook expressing his disapproval of P2P. This is a heavy blow to companies that specialize in P2P online lending platforms.However, they dare not speak out now because they are afraid of attracting Zhao Ye's revenge.In addition, they themselves were somewhat irregular in their operation of funding sources, so they did not dare to go against Zhao Ye and could only tolerate it.Of course, people who cut off people's financial opportunities, such as killing their parents, and those who do P2P hate Zhao Ye.

"Zhao Ye doesn't do online P2P business himself, and he doesn't let others do it! He's really nosy!"

"Zhao Ye is so powerful that we can't afford to offend him. We just need to slowly develop the P2P online shopping platform. Wujiang Group is not the only one that dominates the domestic Internet. We can place ads on other websites and software platforms to promote our P2P business!"

"..."