We can't deny that when the network develops to a certain extent, it is really good for our lives, but have you ever thought that the network may also harm others and yourself? For example, online lending, I believe everyone is no stranger to online lending. Although some people have no contact, many young people have already made online loans. In order to repay the online loan, these young people are under great pressure and even affect their lives.
Under the development of this phenomenon, many people began to resist online lending, but this thing can not be done by shouting slogans. Just like when people spend money online, it is easy to pay with flowers or borrow money. If we use these two consumption methods to pay, it means that we borrow money from Ant Group. Maybe you haven't thought of this yet, but it is happening in our real life.
Ant group has become the primary target of everyone's loan.
Some people may want to borrow a sum of money from Alipay when they are in trouble, use this money to solve their urgent needs, and then repay. Although this method is very effective, it is better than borrowing money from others, but have you ever thought that this way of overdrawing Alipay is equivalent to carrying online loans? It's just that everyone is used to Alipay, and I didn't expect this. They just feel that spending money is overdrawn.
However, flower beds and borrowing altars are really not overdrafts as everyone imagined. They are also a kind of online loan, but this kind of online loan is more formal. They were developed by Ant Group. Perhaps because of this, more and more young people begin to spend money by borrowing. When the loan amount is not enough, everyone turns their attention to Huabai and uses these two consumption platforms to continuously overdraw money.
At the beginning of overdraft, you may feel disapproving, but with the aggravation of overdraft, you really realize the power of overdraft consumption. After realizing this problem, everyone not only raised a question, why should the loan be given to everyone like this? Can't the bank lend money directly to everyone? In fact, there is a reason for this. Next, let's take a look at the "shady" behind the ant tribe.
First, the source of funds of Ant Group
When you borrow money from the ant family, you may have thought, where did the ant family get the money? You know, more and more people use and borrow flowers. If the money in the group account alone cannot support everyone's consumption, where does the money come from? In fact, the money was borrowed from the bank by Ant Group. In order to attract more consumer groups, Ant Group took the initiative to borrow money from banks.
In the process of lending to banks, Ant Group will take the initiative to talk about interest with banks. The reason is that the loan amount of Ant Group is very large. In order to profit from it, Ant Group will talk about cooperation with banks. After the cooperation is settled, Ant Group will use this fund to earn a certain interest on the difference, and borrow money from young people with flowers and borrowing money to earn young people's interest.
Ant, please.
Second, why don't banks lend directly?
After seeing that the loan came from the bank, everyone not only raised a question, why didn't the bank lend itself? It's not easy. Can you earn more interest? In fact, banks are willing to lend on their own, but banks belong to the financial industry and face very strict supervision. In order not to violate the rules, banks can only lend to these loan companies and collect interest from them.
On the other hand, after the money is handed over to the loan company, the bank does not need to bear any risks, nor does it need to collect debts from overdue people. These are all done by loan companies, and banks are only responsible for collecting interest from loan companies. For example, the ant group, as we all know, is backed by Alibaba. When they lend money to young people, they reduce the risk of not paying back the loan.
After reading the bank's plan, I have to say that the bank is still very cunning, so that they can get interest and reduce risks, which really kills two birds with one stone. However, no matter how good the bank is, we still have to remind everyone that you should never indulge in online loans, otherwise you will face not only overdue, but also other credit problems.
Once these credit problems appear, they will not only affect everyone's daily life, but also have a certain impact on the next generation. In order to prevent this influence, we should be careful not to indulge in loans all the time, otherwise we will definitely go to the point of water under the bridge.