"How do you cooperate with the bank, do you want to divide it?" Jiang Rong asked.

"Interest should be charged for installment payment, and the interest will be shared with the bank, and the bank will cooperate with us to collect debts, and if you can't change the money, you will freeze the other party's bank account and so on. Hang Yu said.

"We don't want to make that little bit of interest money, we can give a little more to the bank. Hang Yu added.

Jiang Rong nodded, but thought in her heart: There is more than a little interest money. To do a simple calculation, if you can sell 1 million installment computers, and receive 50 yuan in interest, that is 50 million!

"What about the credibility requirements?" Jiang Rong asked.

"It's hard to say, computers are almost a must-have for college boys, but they rarely use daigou, and the reputation rating must be very low, so this kind of user cannot be excluded. Hang Yu said.

"However, if there is no requirement for creditworthiness, the risk of installment payment is much greater. Jiang Rong said.

Hang Yu thought for a while, and suddenly remembered the college student loan incident in his previous life, and the girls couldn't collect a lot of money with fruit loans, but they could make money just as well. Why? Because the high interest rate of the loan offsets the risk, you can earn as long as you collect a part of it.

"It's not good to completely cancel the credit requirement, let's be flexible, the interest rate with a high credit rating is low, and the interest with a low credit rating is a little higher, and the high interest is used to offset the risk. Hang Yu said.

"It's a good idea. Jiang Rong's eyes lit up.

"How much interest is set specifically, budget with the snake system, and we must ensure our interests. In addition, don't be too rigid in installments, and adjust the interest according to the actual situation at any time. Hang Yu said.

"I understand. Jiang Rong nodded, and then said with interest: "If you can offset the risk, simply open the installment payment mode for other commodities, which will definitely stimulate consumption." ”

"Let's open the computer first, and then see how it goes. Hang Yu said.

Because the times and market conditions are different, Hang Yu is not sure that online installment payments can be profitable. His biggest advantage now is the snake system, which can collect massive user data to analyze their repayment ability.

"Chairman, our group has completed the secondary development of the mobile assistant software, you can take a look. Xiong Jun couldn't bear it anymore, and when he saw that the other managers didn't speak, he raised his hand excitedly.

"It's been redeveloped, how is the operation?" Hang Yu said curiously, he was full of expectations for Xiong Junke.

"The operation effect of the first development was very good, with more than 600,000 users, and then I got a little inspiration when I went to the crazy mall to improve the 91 mobile assistant into a one-stop service, which was widely acclaimed. Now there are more than seven million users of 91 Mobile Assistant, an increase of more than ten times, and I believe that this software has been very successful. "Xiong Jun is like a treasure.

"Of course, it is also stained with the light of Weibo, and the number of users can rise so fast. Xiong Jun said again.

"Even with the light of Weibo, it can be said that it can reach more than 7 million users in such a short period of time without any publicity, which can be said to be remarkable. Jiang Rong praised, and at the same time looked at Xiong Jun, a newcomer, curiously.

Because Xiong Jun has been immersed in development since he entered Jiangyan Company, everyone is not familiar with him.

"Demonstrate, I'll see. Hang Yu said.

"Okay. Xiong Jun acted neatly, immediately used his laptop to link the projector in the conference room, and after opening the 91 mobile phone assistant, he showed everyone this software through the projector.

91 Mobile Assistant can manage mobile phones on the computer side, users can download and install their favorite applications more safely and conveniently, search and download a large number of free resources - themes, wallpapers, ringtones, software, music, etc.

Realize all-round mobile phone data management - comprehensive management of system files, text messages, contacts, backup and restore important data in the mobile phone at any time, and it is very convenient to manage the smart phone in an all-round way.

You can also easily use the computer to export and transfer contacts, text messages, call logs, personal information and other operations on your smartphone, and at the same time, you can also download and install software games, change theme wallpapers, download ringtones e-books, transfer mobile phone data, file management, mobile phone system management and other functions.

"The technical content of this software is not high, and what is rare is its service mode, which is very convenient and fast. After reading it, I want to download one to try, no wonder it can be recognized by so many users. After watching the demonstration, Jiang Rong commented with a smile.

"Yes, 91 Mobile Assistant is like a shopping mall, providing one-stop shopping, entertainment, leisure, food and other services. I have added China Baby, Jiangnan Mall, Weibo and other software, and the development of 91 assistant in the future will have a good promotion effect on other products of our company. Xiong Jun said confidently.

Hang Yu smiled slightly, and did not doubt Xiong Jun's words, you must know that in the original history, 91 mobile phone assistants occupied 90% of the domestic mobile phone assistant market, which was close to monopoly.

Mobile assistant products on all platforms, including iPhone, have been handed over to 91 Mobile Assistant

"Even with the light of Weibo, it can be said that it can reach more than 7 million users in such a short period of time without any publicity, which can be said to be remarkable. Jiang Rong praised, and at the same time looked at Xiong Jun, a newcomer, curiously.

Because Xiong Jun has been immersed in development since he entered Jiangyan Company, everyone is not familiar with him.

"Demonstrate, I'll see. Hang Yu said.

"Okay. Xiong Jun acted neatly, immediately used his laptop to link the projector in the conference room, and after opening the 91 mobile phone assistant, he showed everyone this software through the projector.

91 Mobile Assistant can manage mobile phones on the computer side, users can download and install their favorite applications more safely and conveniently, search and download a large number of free resources - themes, wallpapers, ringtones, software, music, etc.

Realize all-round mobile phone data management - comprehensive management of system files, text messages, contacts, backup and restore important data in the mobile phone at any time, and it is very convenient to manage the smart phone in an all-round way.

You can also easily use the computer to export and transfer contacts, text messages, call logs, personal information and other operations on your smartphone, and at the same time, you can also download and install software games, change theme wallpapers, download ringtones e-books, transfer mobile phone data, file management, mobile phone system management and other functions.

"The technical content of this software is not high, and what is rare is its service mode, which is very convenient and fast. After reading it, I want to download one to try, no wonder it can be recognized by so many users. After watching the demonstration, Jiang Rong commented with a smile.

"Yes, 91 Mobile Assistant is like a shopping mall, providing one-stop shopping, entertainment, leisure, food and other services. I have added China Baby, Jiangnan Mall, Weibo and other software, and the development of 91 assistant in the future will have a good promotion effect on other products of our company. Xiong Jun said confidently.

Hang Yu smiled slightly, and did not doubt Xiong Jun's words, you must know that in the original history, 91 mobile phone assistants occupied 90% of the domestic mobile phone assistant market, which was close to monopoly

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The chapters are repeated, and they will be refreshed tomorrow