October 1st.

For the first time, Aifubao took the initiative to challenge Alipay and WeChat, and the carnival of the whole people to share 1.5 billion yuan hit again.

At the same time, the technical staff of Aifubao launched two functions, namely Coin Bao and Langbei.

The change treasure saves a lot of foreshadowing, and it is the same as Yue Bao, which is to put some small money that you usually don't care about in the change treasure to earn some interest.

Zhao Ruoxue's planning this time is a lot more mature, and a few days ago, Zhao Ruoxue issued ordinary red envelopes to all users.

The red envelopes distributed by iPay can only be used for consumption, and a bounty program has been launched, where you can invite friends to register and use them, and you can earn double money every day.

Some of the opinions given by Shen Lang were all added by Zhao Ruoxue to this event, and the number of downloads and registered users of Aifubao increased again, and the speed was not slow.

For ordinary people, it is of course a good thing that Aifubao can subsidize and reduce consumption, and it is the same with any software to pay.

This is a naked conspiracy, Alipay and WeChat either choose to fight, or choose to turn a blind eye.

Many netizens complained about the name Langbei under Shen Lang's Weibo, although borrowing money to spend is indeed very prodigal, but such a name still makes many people laugh.

However, there is also a demand for the opening of Langbei, and various documents must be uploaded, and the data analysis in the early stage is very important.

The opening of Langbei is that the technical staff of Tianxin Financial Service selectively open the quota of different sizes to users according to the personal credit information of the central bank.

Zhao Ruoxue attaches great importance to personal credit.

Similar to the whitelist system of WeLoan, a group of users with high credit index are selectively invited as invitees to WeLoan.

Even Alipay deliberately got a sesame credit, all in order to reduce the bad debt rate.

Compared with other money market funds, Coin Treasure has two more dazzling functions, the interest is calculated from the next day of accrual, and you can apply for withdrawal at any time.

Including the remaining seven-day annualized interest rate, it is at a relatively high level in the industry.

The advantages of Coin Treasure are still obvious, and Coin Bao adopts the T+0 trading mechanism.

Money market funds are generally purchased before 15:00 on working days, and interest is calculated on the next working day.

If you buy it on Friday, you can earn interest on the same day, while the money market fund will not have a return until the next Monday.

In comparison, the change treasure has 3 more days of income than the money market fund, and if it encounters the National Day and the Spring Festival, it will take a few more days.

Shen Lang is not worried about the matter of Coin Treasure, Coin Bao basically can't make any money, and the real money is still the consumer finance business Langbei.

Last year, Ant Financial's most profitable business was Huabei and Borrow.

Shen Lang has a lot of expectations for Langbei, when Ant Financial is the most profitable, it relies on Huabei and borrowing to make a quarterly profit of up to 5 billion.

Who wouldn't be blushing with such a terrible profit?

Aifubao has also launched a QR code now, and many merchants have taken the initiative to apply, and whoever makes users is the sky.

Tianxin Financial, General Manager's Office.

Zhao Ruoxue was listening to the secretary's report on the latest data with a smile on her face.

With the activity of dividing 1.5 billion yuan during the 11th Golden Week, the data of Aifubao has been improved again.

The scale of the change treasure is also getting bigger and bigger, and there is a fund sales license, and the money market fund issued by Tianxin Fund has quickly gained the recognition and trust of many netizens.

Shen Lang is the reputation of Aifubao, and the identity of a billionaire plays a great role in Aifubao.

Zhao Ruoxue said a few words to the secretary, and then said to Shen Lang: "Looking at the current form, we can add a large number of users." ”

Shen Lang shook his head and said with a smile: "Take out another 1.5 billion, if I can't see some results, I won't lose anything?"

Zhao Ruoxue glanced at Shen Lang and said, "Don't worry, this 1.5 billion will definitely make your money worthwhile." ”

Then the two chatted a few more words, Zhao Ruoxue is still more cautious about the opening of Langbei now.

The users who are selected are those who have been analyzed by the technical staff through the machine algorithm and have a relatively high credit index to give the opening qualification.

The maximum amount is the same as almost all platforms, with a maximum of 300,000 quota.

But there are definitely a few who can reach this amount, and the average loan amount is less than 10,000 yuan is the safest warning line.

Shen Lang was very relieved of Zhao Ruoxue, and Shen Lang didn't need to repeat these too much.

The reason why Zhao Ruoxue still emphasizes the activity time is 15 days, the purpose is to develop the habit of continuous consumption of Aifubao users.

To develop a person's consumption habit is at least 14 days, so the cycle of this activity is set at 15 days.

……

Aifubao has been on the rise, relying on huge subsidies, through two consecutive money burning, the number of daily active users has now reached as many as 80 million.

This is double the number of daily active users before, and at the same time, the Tianxin Fund of Coin Treasure has attracted as much as 100 billion yuan.

In the analysis of 80 million daily active users, at least half of the users deposited no less than 100 yuan in the change treasure.

Compared with other money market funds, the seven-day annualized interest rate of Tianxin Fund is slightly higher, which can basically be maintained at about 4%.

In contrast, other money market funds of the same type basically reduced the seven-day annualized interest rate to 3.5%, and the difference of 0.5% is naturally subsidized by Shen Lang.

Money market funds have long since regained their initial glory, and the seven-day annualized interest rate after deleveraging is basically between 3% and 4%.

The larger the volume, the higher the risk of being run.

Yu'e Bao has self-decompressed many times, and this is the reason for introducing money market funds from other companies.

Once the company collectively cashes out, it is easy to cause cashing paralysis.

Money market funds have few opportunities to make money, and the state strictly regulates them.

At most, it is to absorb the deposits of scattered users and deposit them in the whole amount to the bank, or to buy bonds pledged by others to earn interest.

This is also the way to make profits for mainstream money market funds, if the bank is not short of money, the seven-day annualized interest rate is simply low.

Zhao Ruoxue's most important thing for the change treasure is the stickiness of the user, as long as the user throws money in the change treasure, they are reluctant to uninstall Aifubao.

As for making money?

With Langbei, a business with a legal consumer finance license, will there be a lack of opportunities to make money?

Now that Langbei has been launched, Shen Lang is also ready to start acting.

Soon, a user on the Internet suddenly anonymously exposed a Weibo, and was instructed by Shen Lang to quickly buy a hot search position.

"Shocked to see Ant Financial's illegal lending!"

Suddenly, many netizens curiously clicked on it and found that it explained in detail how Ant Financial operated in violation of regulations.

Two companies registered in Shancheng are engaged in lending across the country, which is a typical illegal operation.

And the registered capital is only 3.8 billion, but it is close to 300 billion business.

The main reason for this is, of course, that the supervision was not strict in the early days, and Ant Financial also had the idea of making a day if it could make a day.

But with the report of this anonymous person, the relevant departments immediately paid attention to it.

。 Nine Heavenly God Emperors