Alipay Company made Yue Bao and pointed out the "way of money" to everyone.

For a while, many people were ready to move.

There are some "smart and bald" people in this world, and after Tang Wei, the CEO of CreditEase Wealth, saw Yu Bao, he immediately drew inferences and wanted to move his company's business online.

At the beginning of the development of CreditEase Wealth, it mainly carried out the offline P2P model, that is, it gathered small amounts of funds and lent them to people with capital needs.

"The scale of Chinese netizens exceeds 800 million, even if one person only invests 10 yuan, it is a huge amount of money! On the contrary, CreditEase Wealth has only been doing offline P2P, and the number of users it can face is limited, and it is impossible to develop online P2P fast! Tang Yi muttered, with light in his eyes, he couldn't hold back the excitement and ambition in his heart!

At the same time, in another city, the founder of Paipai also had a whimsical idea to do online P2P business.

The Yu'e Bao model, they can't do it, they can't compete completely, and netizens won't believe them, so they must compete differently. The online P2P business is undoubtedly the most suitable project, and this project is largely quite an "empty glove white wolf", because they don't have to pay much money, and they all rely on people who "cheat" investors.

As long as you tell the investor that you invest money in it, you will return a high interest rate every month.

At first, investors who receive money will feel very happy and excited, feel that the P2P project is good, invest money in, and really receive high interest every month, this platform is not a scammer.

In fact, the interest that investors get every month is their own money, and the reason why the platform is willing to give it is because they want to "cheat" more money in.

Of course, in order to make money, P2P platforms have opened loan business, but the actual situation is that it is difficult for P2P platforms to do a good job in loan business, and in the end, they are all bad debts, resulting in heavy losses for P2P platforms, and naturally there is no way to pay investors high interest every month.

As a result, the P2P platform boss ran away.

Investors who are deceived can only pay for their own "greed".

There is no good thing in the sky that pie falls, and I really think that I can earn several times by casually investing some money, it is simply impossible.

……

Two months later, Yu'e Bao's capital reached 571 billion yuan, which had a huge impact on the traditional financial industry. China's major banks are all set to face a reshuffle.

At the same time, all kinds of online financial companies began to appear one by one, under the banner of "Internet financial management", swaggering and deceiving on the Internet.

In fact, the interest rate of Yu'e Bao is already very high, but many people are just overwhelmed, and they can't help it in the face of the temptation of the high rate of return thrown out by the P2P platform.

The P2P business is too chaotic, the water is very deep, and the state will focus on supervision in the future, and the companies under Zhao Ye's name will not do P2P.

Moreover, Zhao Ye has money, and there are also Standard Chartered Galaxy and Galaxy Bank to provide funds under his name, which solves the problem of the source of loan funds, and there is no need to cheat money from ordinary people at all.

Therefore, just when the P2P business began to emerge, Alipay updated again, launched borrowing and Huabei, and more financial products will be updated later, and the main focus is to step by step.

Just borrowing and Huabei is enough for users to study for a while.

Just when Alipay launched borrowing and Huabei, Zhao Ye posted on his personal Facebook: "Hello everyone, the borrowing and Huabei of the Alipay APP have been launched, and it has brought you another wave of benefits, users in need hurry up and use it!" In addition, some P2P online lending platforms have suddenly appeared on the Internet recently, to be honest, I am not very optimistic about the P2P business, the water is too deep, the average company can not grasp it at all, and it is easy to have some problems, such as the lack of objective and comprehensive borrower credit information, it is difficult to supervise the actual use of the loaned funds, etc...... In the end, a large number of bad debts will be generated, and the P2P platform will go bankrupt and go bankrupt. ”

Due to the launch of Yu'e Bao, this year marks the first year of China's Internet finance.

Therefore, when Zhao Ye posted, he deliberately reminded everyone that P2P is risky.

But that's all there is to it, Zhao Ye doesn't plan to say more.

Good words are hard to persuade damned ghosts, and compassion is not self-exterminating.

I have already made it clear that I am not optimistic about the P2P business, and if anyone is still fooled, then it is no wonder that others.

……

Zhao Ye's Facebook was soon liked and reposted by netizens wildly, and in less than an hour, the number of comments exceeded 10,000!

Netizens took out their smartphones one after another and logged in to Alipay to see what "borrowing" and "Huabei" were.

After learning about it, I was overjoyed.

Borrowing is a loan service, and Huabei is a consumer credit service.

"Alipay is powerful! After the loan is successfully applied, you can take out a loan at any time, and Alipay will also pay as soon as possible. ”

"The Huabei quota can only be used for consumption, but it doesn't cost money to buy things for the time being, which is really good, after all, some people are a little tight for a while, so they will choose to use Huabei for consumption, and they will slowly pay it back when they make money in the future."

"Damn, Alipay is going to God, it's moving the bank's cheese again, and the loan business is one of the core businesses of the bank!"

"Alipay is awesome, it really brings convenience to everyone! In the future, if I am in a hurry to use the money, I can directly find Alipay to borrow, if I am looking for a bank loan, it will take a long time just to go through the process. ”

“……”

There is a lot of discussion on the Internet.

Many people also believe that the launch of Huabei will stimulate them to consume more.

"Alipay is very bad, the routine is very deep, you want to tempt me to shop through Huabei, am I so easy to be tempted?" Someone seems to see through everything.

However, it actually smells so good!

After the Huabei service was launched, there were many people who used it, and it was even more popular than borrowing.

On the same day, Huabei became popular!

Although the popularity of borrowing is slightly lower, the amount of the loan is higher, the interest rate is higher, and you can make a lot of money.

Countless people who want to seek a loan undoubtedly have one more loan channel.

At this time, I am afraid that only banks and those companies that do P2P business are a little unhappy.

Zhao Ye posted on Facebook to look down on P2P, which is a hammer for companies specializing in P2P online lending platforms. It's just that they dare not speak out now, for fear of attracting Zhao Ye's retaliation. In addition, they themselves are a little irregular in the operation of the source of funds, so they dare not go against Zhao Ye, so they can only endure it. Of course, those who cut off people's financial routes, such as killing their parents, and doing P2P, hated Zhao Ye.

"Zhao Ye doesn't do online P2P business himself, and he doesn't let others do it! What a nosy! ”

"Zhao Ye is powerful, we can't afford to provoke it, just slowly develop the P2P online shopping platform, the domestic Internet is not the only one of the Wujiang Group, we can place advertisements on other websites and software platforms to promote our P2P business!"

“……”

(End of chapter)