"Notice: All members above the third level will get a credit line of no less than 50,000 yuan, and they are allowed to publish the target on the platform for lending!"

……

At a time when online loan companies led by Bright Loan were celebrating the financing target of September Online, September Online had actually quietly begun to make another preparation: entering the personal credit market.

The personal credit market is a big cake.

Recently, Goldman Sachs is poaching people from the American P2P giants LendingClub and Prosper to start online personal credit. Goldman Sachs, an international investment bank, is ready to move, which shows how attractive this market is.

According to the latest statistics, the size of the personal loan market will reach $840 billion this year.

However, the biggest problem in the personal credit market is credit reporting.

Just like the Chinese government, it always likes to lend money to a small partner in Africa, but this little partner took the money and went to the United States to buy rice. When it's time to repay the loan, they hold an empty bowl in front of you.

If you lend it out, you have to get it back.

The current situation of China's credit information system is that although the central bank's credit information system covers 800 million people, only 300 million people really have a credit relationship with the bank. In other words, less than 25% of China's 1.3 billion people have bank credit records.

Interestingly, despite the tattered credit system in China, the development of the consumer credit market has surpassed that of the United States. Some companies with banking backgrounds are simply grabbing money.

Not to mention that the bank is self-run, even if the loan is made from the bank at 6% interest, the cost of financing is only 6%. But in the personal credit market, this is simply usury, and the short-term interest rate of 30% is very demanding.

It is precisely like this, China Loan, Blue Bank, Beiguo Online and other platforms. With the help of large sums of money obtained from banks at low interest rates, they lend out at high interest rates and form a strong collection team. Although the risk of default is relatively large, not to mention that it is easy to collect debts from individuals, this spread of more than 20% alone is a safe and profitable deal.

It's just that. Today, there is an influx of unhurried customers, and the king of the online lending industry is trying to target this market and snatch this big cake that belongs to them.

September Forum.

"I'm just going to change houses, everyone help!" -- Zhou Hongtao.

Zhou Hongtao didn't know if he was deliberately showing off, or if he really wanted to change the house. At the same time as he posted a personal credit line of 20 million, he also sent a link to the target of financing 1 million, with a term of nine months and an interest rate of only 10%.

"Uncle Zhou, please take my knees!"

"It's scary. Mine is only 50,000! ”

"Uncle Zhou, how can the interest rate be so low? Do you dare to get a 20%? ”

"He must have mortgaged, and I am also level five, but only 300,000."

"Although the interest rate is a little lower, Uncle Zhou's character is leveraged, so he must borrow!"

……

Everyone talked a lot, and it was very novel to talk about this "personal credit".

However, a credit of 20 million is naturally very rare. Zhou Hongtao is definitely an exception. Mainly because he chose to mortgage "September Miracle 001", otherwise. September Online categorically did not dare to give him such a high credit line.

As for the interest rate, the higher the grade, the lower the interest rate that can be posted, and it is appropriate to choose. At a level like Zhou Hongtao, and a mortgage, the lowest interest rate can go to 8%. It's even more cost-effective than banks.

"Friendly reminder: If you need money urgently, you don't need to withdraw capital, 100,000 financing is sold out in the blink of an eye!" - Please call me Lei Feng!

I bought a 100,000 wealth management product online in September two months ago, and the interest rate was 16% at that time. This plan was expired, but I had promised my girlfriend that I would come to her house during the Spring Festival, but the money was in the stock market. So divestment is planned.

However, in September, I was pleasantly surprised today, because I am a fourth-level user, the credit line is 150,000. I just released a target with an interest rate of 12%, and September was so powerful that it was sold out in less than five minutes.

Now, not only do I not have to redeem early and be deducted two months of interest, but through this loan, I can continue to make money, quack......

"Sneer! First, you'll need to reach level four! ”

"The second-level turtle passes by, showing off the party to die!"

"Good idea, I'll also send a target, put more money in your pocket during the Spring Festival, be prepared!"

……

As some senior members have been granted, many people have tried, especially since this month, the platform target has been sold out repeatedly, so that investors have already been **10,000. Now send a target up, and the fundraising will be completed in the blink of an eye.

The biggest difficulty in personal credit is how to establish a credit system.

Obviously, after this period of development, September Online has understood the customer's information clearly enough. For example, customers who have reached level five, excluding some early customers, then this kind of person's financial resources are still guaranteed, and they can give him a credit line of 300,000 yuan after completion.

If they have a September debt-for-equity swap or a September miracle, you can let them mortgage it, even if it is a mortgage for 2 times the price.

I don't know if it's because everyone feels novel, or if it's really a lack of money to spend during the New Year, 1,000 financing targets were released in just half a day.

Enter the consumer credit market online in September! Is it self-inflicted destruction or looter? -- Huaxia Finance and Economics Network.

……

September Investment, General Manager's Office.

Ye Zhengzheng sat at his desk, smoking a lit cigarette butt, squinting his eyes at the six-sided ring on the little finger of his left hand, and faintly felt that something was going to happen.

Just now, he inadvertently learned from Situ Liang that Niu Fugui had been kidnapped in Hong Kong. Recently, two of Nirvana Food Group's factories were previously closed, and the bank has filed a petition with the court to request Nirvana Food Group to enter bankruptcy proceedings.

Obviously, Fugui Food Group is powerless, I'm afraid this ring will have one more gemstone, but I don't know what color it is.

Chirping!

The door was pushed open, and two women entered, led by a somewhat gloomy face.

"You guys, aren't you? Now that we have won a big victory, you should be happy! Ye Zheng flicked the cigarette butt and sneered at her.

"The police are gone!" Tie Dongxue sat down at his desk and said dejectedly.

"I said I didn't need to call the police, just a threatening phone call, what a small thing!" Ye Zhengzheng pursed his lips and didn't take it to heart.

The 10% low interest rate launched online in September seems to have stimulated the nerves of some groups. In the afternoon, he made a phone call to warn him and told Ye Zhengzheng's address. And it was quite boring, and a dead mouse was sent.

In fact, it is no wonder that September Online is indeed too ruthless, and those people use the relationship of the bank to have a cost of funds of 6%. If it is also reduced to 10%, then there is only a 4% spread left, and this profit will have to be reduced.

"A trifle? If it weren't for your relationship with Director Xiao, you would have been investigated by now! Tie Dongxue glared at him angrily.

"Alright, I'm measured in this matter!" Ye Zhengzheng waved his hand, and then looked at An Qi, "You sort out the level of customers again, raise the threshold for borrowing a little, and keep the proportion of customers who can finance less than 1% for the time being." ”

"You're not planning to venture into personal credit?" Tie Dongxue looked at him in surprise.

Hey?

An Qi was also stunned, her beautiful eyes looked at Ye Zhengzheng, she didn't expect that this man she admired would really choose to retreat. (To be continued......)