Chapter 190: National Credit

After receiving Lin Feng's phone call, Liu Yingying immediately rushed from Shanghai to Beijing to attend the press conference co-hosted with ICBC. Before Lin Feng came to Shanghai, Liu Yingying knew that Lin Feng's main purpose for coming to Beijing this time was to discuss the B2B online payment service alliance and broaden the payment channels of Dingdang.com, but she didn't expect Lin Feng, no, maybe it was the Industrial and Commercial Bank of China's courage to be so big.

At the press conference, Governor Jiang prudently announced that ICBC and Dingdang have reached a B2B online payment service alliance and launched a new "Tesco Card" to facilitate all Dingdang users to shop more conveniently, quickly and safely. However, this is not the point, the point is that everyone can only apply for a "Tesco card" with their ID card, corresponding to a Dingdang account, and ICBC will cooperate with Dingdang to supervise the consumption of its account. At the same time, ICBC will also send full-time personnel to join the arbitration team of Dingdang.com to conduct reasonable arbitration of disputes arising from online transactions.

At the same time, President Jiang also announced that all the transactions of all users who have "Tesco cards" on Dingdang.com will be recorded by ICBC, and all loan and other applications generated by ICBC in the future will be referenced and evaluated. In other words, if a member of Dingdang has a low rating in a transaction on Dingdang, ICBC will reject the loan business he applies for in the future for buying a house or a car, and classify him as an "untrustworthy user".

When this article was announced, the reporters present were shocked, but what was even more shocking was to come.

President Jiang also announced that the "Tesco Card" will be based on the user's consumption limit on Dingdang.com for loans of varying amounts, that is to say, the "Tesco Card" is equivalent to a "credit card" to a certain extent, which can be used for overdraft consumption, and can be paid in installments, and does not require too much proof. It doesn't have to be as complicated as applying for a credit card in real life, as long as you have a good consumer rating on Dingdang.com, you have the ability to apply for "credit overdraft" and installment payment services. Of course, the premise is that you can only buy things on Dingdang.

For this, it can be said that the audience was in an uproar, questioning whether ICBC was too hasty. Although credit cards have been introduced in China for a long time, they are not popular, and the most important reason is the ability to repay. Now, the Industrial and Commercial Bank of China (ICBC) has joined hands with Dingdang.com to launch a "Tesco card" similar to a credit card, aren't you afraid that these Dingdang users will refuse to repay after maliciously overdrafting? Even if you go to court, in the face of the malicious overdrafts that may arise all over the country, this is definitely a long lawsuit that costs the people and money.

Regarding the speculation of many reporters, Lin Feng and Jiang Xing are fully sure. At first, when President Jiang proposed this jihua, Lin Feng was also quite shocked, and even thought it was a bit incredible. However, it is true that as Governor Jiang said, the "Tesco card" can improve the security and fairness of online shopping to a certain extent, and to a certain extent, urge the formalization of the domestic online trading market and crack down on online fraud.

As for malicious overdrafts, it is not so easy to stimulate the credit loan conditions of the "Tesco card".

First of all, each person can only apply for a "Tesco card" with an ID card, and cannot apply for it repeatedly; second, only local buyers who have reached a certain amount of consumption on Dingdang and have a certain credit evaluation can apply for credit overdraft.

For example, the most basic one-star card. Only $1 can be overdrawn. But want to reach the one-star card. Must be consumed more than 0 times on Dingdang. And the purchase amount is more than 1 yuan. And only users with a praise rate of more than 95% can apply. And want to reach the two-star card. $200 overdraft. must be consumed more than 20 times. The purchase amount is more than 2,000 yuan. And so on. The higher the level of the "Tesco Card". The larger the amount you can overdraw. But due to the initial introduction of this credit card limit. For the time being, the maximum amount will not exceed 000 yuan.

However, there is still no guarantee that people will never be maliciously overdrawn. But President Jiang calculated. Among the buyers of the successful transaction place of Dingdang. This malicious overdraft rate is never more than 5%. In developed countries, the rate of malicious overdrafts of credit cards is at least more than 7%. Compare the two. Governor Jiang feels that this "national credit" jihua is extremely feasible.

Of course. In order to cooperate with Jiang Yuki-chu jihua. Liu Yingying also reached an agreement with all sellers. Different levels of discounts are available for the "Tesco Card" level. From a one-star card. All the way up to the Ten Star Card. There are ten levels in total. 1% off from the lowest. It is 1C% discount to the highest.

At first, these sellers were reluctant to offer discounts. Even if it's a 1% discount. They also want to earn a little less. But Liu Yingying shut up all sellers with one sentence-

You want to earn 1C0 yuan for 1 person. I still want to make 1 yuan per person - the seller is not stupid. Naturally, you can tell that it is powerful. True. They seem to be offering a discount on every item. But as long as business is good. There are many people who buy land. This is a loss. Naturally, you can earn it back. That's what makes small profits and quick turnover. As for saying. Whether the seller will increase the price and make a discount. Lin Feng didn't care. The biggest advantage of online shopping. That is, you can shop around. No. At least shop around. 100 schools.

For the news of the "Tesco Card" launched by Dingdang and the Industrial and Commercial Bank of China. Soon spread all over the country. There are different opinions about this. Many netizens jumped out to reprimand ICBC for being too domineering. They can't be arbitrarily linked to reality. It is considered that this violates the legitimate rights and interests of consumers.

This is supported by some Dingdong users, but more often than not, it is scolded. If you are law-abiding and honest in trading, this clause does not create any conflict of interest. On the contrary, the regulation of the online shopping market is formalized, however

Advantage.

Governor Jiang also vigorously refuted the remarks of these netizens, affirming that whether it is consumed online or in real life, honest trading is the first priority. Especially with the rise of online trading platforms such as Dingdang and eBay, President Jiang believes that online shopping will be a trend in the future and become an indispensable platform in people's lives. This platform must be clean and standardized, and as long as interests are involved, moral restraint alone is far from enough, which must be constrained and regulated by coercive means.

President Jiang's statement was naturally approved by the vast majority of sellers and buyers, and they also welcomed the launch of the "Tesco Card" in unison, believing that this is a good thing for the benefit of the country and the people, and the opening of the "credit overdraft" does not need to be so cumbersome, as long as the credit evaluation is reached. Especially the installment payment, which is approved by all Dingdang members. However, the only complaint that these Dingdong members have complained about is that the credit limit for loans is too low. However, Governor Jiang said that this is only a trial period, and once feasible, the credit limit will definitely be increased.

Of course, in order to avoid vicious overdrafts, it is also stated that legal measures will be taken against any malicious overdraft user, even if he only overdraws 1C0.

Of course, no matter what kind of tough measures are taken, malicious overdrafts are inevitable.

Therefore, for the possible losses of this "national credit" jihua, Lin Feng's Dingdang Network bears 40%, and the Industrial and Commercial Bank of China bears 60%, and in the same way, the profits generated are also 20% of the dividends of Dingdang.com, and the Industrial and Commercial Bank of China receives 80% of the profits.

For Lin Feng, this "national credit" jihua, can be described as fame and fortune, not only can further consolidate the position of Dingdang in the domestic online trading platform, but also increase the daily trading volume of Dingdang, and % of the profit share, Lin Feng believes that once this Jihua is successfully run, the future will become an important profit point of Dingdang. As far as Governor Jiang is concerned, as long as this "national credit" jihuazuihou succeeds, he will surely become a legend in China's banking circles, and will be praised by "above".

Perhaps, the only complaint about this Jihua Jiang Governor in the future is that in the agreement signed with Lin Feng at that time, there were too many dividends for Dingdang. He's still too conservative and not bold enough.

Regarding the "national credit" Jihua jointly launched by President Jiang and Dingdang.com, other domestic banks were noncommittal and did not express their attitudes, but they are all observing to see its feasibility. However, the "Tesco Card" was claimed at the beginning of the listing, and its popularity far exceeded the expectations of major banks, and Lin Feng also announced that Dingdang will only take one transaction route - with bank supervision and transaction means, that is, for a period of time in the future, all transactions on Dingdang can only be carried out between users who have "Tesco Cards", which makes other banks have a deep coolness. I began to hesitate to join this "national credit" jihua.

The ICBC applied for and sent an electronic password card for free, which also promoted the speed of claiming the "Tesco Card".

Lin Feng didn't know what the CEOs of the major banks thought, but he had gained a lot from his trip to Beijing this time, and he got a loan with the lowest interest rate, and a loan of 300 million yuan was a lot.

"Lin Feng, what do you think of this 'national credit' jihua, aren't you afraid of risks?" Liu Yingying was still very surprised by this "national credit" jihua.

"Hehe, this is mainly President Jiang's idea, we are just his chosen partners. If it weren't for the fact that Dingdang is now the largest online trading platform in the country, I think he would have chosen other partners. Lin Feng said calmly.

"But the risk is too great, in China, you know, credit card overdraft is very powerful, and many people Liu Yingying means, Lin Feng understands. Many people in China just don't pay back the money they owe, and they are not afraid of lawsuits, and this kind of rogue behavior is really difficult to deal with.

"Hehe, Yingying, in fact, President Jiang also asked for the above opinions this time. Otherwise, you really think he would dare to make such a big decision. Lin Feng was also very surprised by President Jiang's decision at first, it was too incredible. I didn't hear about this before I was reborn, and I don't know if it was because of the butterfly effect after rebirth. But in any case, President Jiang's decision is very bold and courageous, but it does have a certain feasibility, and Dingdang.com also bears % of the risk.

But Lin Feng wasn't too worried about this, it was definitely a good attempt. At least the number of transactions on Dingdang.com is more than 1C, and the transaction amount reaches more than 1 yuan, most of the buyers are trustworthy consumer users, and it is not worth their risk of overdraft. After all, an ID card can only apply for one "Tesco card", and it can only correspond to one Dingdang account. In particular, the ten-star level launched by Lin Feng believes that it will not allow these locals who have a certain ability to consume online to carry out malicious overdrafts. On the contrary, perhaps the ten-star rating may become a proof of their identity, proving their credibility and, to a certain extent, proving who they are.

With a satisfactory harvest, Lin Feng returned to Shanghai. There is also good news waiting for him here, Wu Zhao has created a "second shijie" Taiwan branch in Taiwan, and carried out the first remote synchronous transmission, the result is very gratifying, Lin Feng is now in place, the company does not have to be afraid of the shortage of liquidity, can officially carry out the "Asian interconnection jihua", South Korea and Japan branches can start.

However, what Lin Feng didn't expect was that a troublesome person was already waiting for him in the villa.

"Brother Lin, I'm here again!" Seeing Allegra, Lin Feng had a headache. But just ask her about Li Zhiyou's endorsement of Versace in Asia.