After chatting with Lu Ting for a long time, Zhao Zejun seemed very frank and discussed Zelianke's recent financial plans with the other party in detail.

Lu Ting is an expert, and occasionally puts forward some of his own opinions, from the bank's point of view, pointing out the loopholes in Zhao Zejun's plan and the areas that can be improved.

In the end, Lu Ting seemed to inadvertently mention it, saying: "Mr. Zhao, if Zelianke and Sushang Bank cooperate exclusively in the two areas of loans and guarantees, Sushang Bank will still have a relatively large pressure on funds." ”

Luo Sha on the side was slightly stunned, what does Mr. Lu mean by this? Could it be that he is pleading Zhao Zejun to find other banks to cooperate with?

There is indeed a certain pressure to fully cooperate with Sushang Bank, but at present, it is a rare and domestic first-time opportunity for comprehensive cooperation between banks and the Internet, creating a historical precedent.

Yu Bao has proved the strength of Internet channels before, and Zhao Zejun's cooperation with Sushang Bank is an opportunity that falls from the sky. Because of the possible risks, not seizing this opportunity, but giving it to other banks, even Rosa would feel too conservative.

Not to mention anything else, just Zelianke's guarantee and personal small loan business can make the existing credit scale of Sushang Bank grow rapidly. As for the future, since Zhao Zejun has made it clear that he wants to enter the financial industry, there will definitely be broader prospects for cooperation.

Zhao Zejun heard Lu Ting's true meaning, and said: "Of course, it is an exclusive cooperation, and Zelianke and Sushang Bank can sign an agreement." In addition, I personally hope that Sushang Bank can send consultants to cooperate with Zelianke's financial division. ”

Lu Ting laughed, raised his glass, and shook it at Zhao Zejun: "Mr. Zhao, then I wish us a happy cooperation and win-win reciprocity." ”

"Win-win and reciprocity. Zhao Zejun raised his glass and repeated his next sentence.

In the financial circle, Zhao Zejun is a real 'raw' hand, even if there is a prophet, he has a relatively complete set of top Internet companies such as Alibaba and Tencent in the financial industry, and knows how to enter finance step by step through the Internet, combining the advantages of the two to create a greater than two effect, but after all, he has no experience in direct manipulation of finance.

The financial industry is very deep, and in the eyes of most people, the financial industry is a mysterious industry with a veil of mystery. As a small boss in his last life, Zhao Zejun's understanding and knowledge of the financial industry is actually far inferior to the very popular Internet.

Therefore, Zhao Zejun knows that he not only needs talents in the financial industry to help him, but also needs to cooperate with financial tycoons in the financial industry who are truly knowledgeable and have status, so as to implement the financial layout of the Zezi system from paper to a real financial empire.

Sushang Bank is a bank with a profound heritage, formerly known as cooperatives, city banks, can be said to be one of the earliest joint-stock banks in southern Jiangsu Province, surrounded by state-owned banks, to survive and develop, have relatively strong business capabilities, after the merger and reform, to a certain extent, swept away the common twilight of the banking industry, thriving, under the leadership of Lu Ting, a few years have achieved very good results.

Being energetic, innovative, and flexible is an advantage over large state-owned banks.

At the same time, the scale of Sushang Bank is not enough to have an overall upper hand in the dialogue with Zelianke. In cooperation with it, Zelianke will not be reduced to working for the bank, but can always hold the initiative, and the base camp and main business of Sushang Bank are in southern Jiangsu Province, Zhao Zejun has a strong control.

In short, like Tianhong Fund, Sushang Bank is a very suitable partner in all aspects.

Shortly after this meeting, a new feature was introduced in Alipay.

'Happy Flowers'.

Happy flowers are not a flower. Flower is a verb, and to spend money happily is to spend money that makes you happy.

How can I spend it if I don't have any money?

On the Happy Flower page, according to the individual's credit limit, users can temporarily borrow 500 to 10,000 yuan per month for online consumption and shopping, and return it next month, but cannot withdraw cash.

The user's credit limit rating method mainly comes from the previous consumption records of Zelianke's products and the shopping records in Jingdong Mall, forming the initial credit limit. After that, the frequency of borrowing money, whether it is repaid regularly, and the amount of consumer finance will become the main basis for the rise and fall of the credit limit.

Once it was launched, it quickly gained a large number of users, especially young users, and it was more convenient to replace the function of credit cards to a large extent in the Internet.

The most critical one is interest.

Compared with the interest rate of credit cards, the interest rate of Happy Flower's borrowing is very low, and if it is a thousand-yuan loan, the interest is almost negligible.

In addition to the regular low interest, the interest on the overdue penalty is also much lower than that of the bank.

If the bank credit card is overdue, the daily penalty interest is frighteningly high, and the interest can easily increase exponentially.

Happy spent on this point, made a more humane change, after the overdue, the interest is tiered, no additional interest will be charged for a week late, and penalty interest will be charged only after a week. Moreover, the maximum penalty interest shall not exceed the principal amount of the loan.

In this way, users who occasionally forget to repay the loan, or who are short of money for a while, do not have to worry about being overwhelmed by interest and eventually incurring a big ass debt. It alleviates the user's repayment anxiety to the greatest extent, so that the user dares to borrow money and spend money.

In addition, Zepay's official Weibo also announced the promotion plan of Happy Flower.

Happy spending money carnival plan.

In the next six months, all products under Zelianke, as well as Zelianke's cooperative units, such as Jingdong shopping malls, can enjoy a month of interest-free preferential treatment.

In the future, Zelianke and Jingdong will join forces to launch a 'Happy Spending Carnival Week' on a regular basis every year, and there will be a week every year, Jingdong and Zelianke products will launch a large discount, similar to Taobao's Double 11 Shopping Carnival, using Alipay and Happy Flower to borrow money can enjoy a large discount;

In just one month since the launch of the Happy Flower service, it has once again brought an explosive sustained growth to the entire financial system of Zelianke.

The number of users who have signed up for ZA Pay has surged, because only in ZWA PAY can the borrowing business be used;

TECO's Yu'e Bao fund has also swelled. Many users found a bug, and the interest rate was higher than that of Happy Flower, so they simply saved their money and used Happy Flower to borrow money to shop and earn this interest.

For users, they earn some interest, but for banks, Zelianke and JD.com, they are actually not losses. Happy flowers can only be used for online shopping, and currently only for the products of Zelianke's JD.com, so this money eventually fell into the pockets of these two companies.

The faster the flow of money and the larger the scale, the higher the profits.

All of a sudden, with Zelianke's Zepay as the core platform, Yu Bao and Happy Flower as the channels, Zelianke's Internet products and Jingdong's physical products as consumer goods, the Zezi financial system has finally begun to see scale, and the funds from banks and users are running at high speed and barrier-free in this system, bringing a steady stream of vitality and expansion power to the financial sector of Zezi.