horse Yun the speculation, has the real trend probably. 马昀的猜测,好像有成真的趋势。 On July 6, the distant place conducted ten thousand cartoon renewals quietly. 7月6号,远方悄无声息地进行了一次万卡通更新。 This ten thousand cartoon renewals, increased a function, ten thousand cartoon expense loans. 此次万卡通更新,新增了一个功能,万卡通消费贷。 This expense loan appears, is not all users clears, but is the part ten thousand cartoon faithful users, and has the expense record in ten thousand cartoons, establishes the user of credit system, was cleared the expense loan business as the pilot. 这一次消费贷出现,不是所有用户都开通,而是部分万卡通忠实用户,且在万卡通有消费记录,建立起信用体系的用户,才作为试点被开通了消费贷业务。 The user who same day, obtained the expense loan qualifications on the 6 th did not calculate too, altogether is less than 50,000 people. 六号当日,获得消费贷资格的用户不算太多,总共不到5万人。 But the quota of clearing is not too high, average per person about 3000 Yuan. 而开通的额度也不算太高,人均3000元左右。 ten thousand Katong spends the loan, altogether the loan balance 150 million, have compared with the loan amount of well-known small loan company with some big loan companies at this moment, a hundred million amount, does not calculate that draws out the eye. 万卡通消费贷,总共贷款余额1.5亿,和此刻的一些大型贷款公司还有知名小贷公司的贷款额度相比,一个多亿的金额,并不算太起眼。 However, this is the first time that Huaxia presented the regular network consumptive loan. 不过,这还是华夏第一次出现正规的网络消费贷款。 The distant place attained the consumer finance license, means that the ten thousand cartoon expense loans of distant place, do not have any loophole and contrary, this is first attains the official license, conducts the network personal loan the enterprise. 远方拿到了消费金融牌照,也就意味着远方的万卡通消费贷,是不存在任何漏洞和违规的,这是第一家拿到官方牌照,进行网络个人贷款的企业。 50,000 people, compare Huaxia so many people, is somewhat insignificant. 5万人,相比较华夏这么多人,有些微不足道。 However, emergence of ten thousand cartoon expense loans, are makes in many hearts be startled. 然而,万卡通消费贷的出现,却是让不少人心中一惊。 The Internet finance, increased probably footsteps that nibbles the traditional finance. 互联网金融,好像加大了蚕食传统金融的脚步。 The payment business, the deposit business, settles accounts the business, including the present loan business, and appearances of virtual money fund these products. 支付业务,储蓄业务,结算业务,包括现在的贷款业务,以及虚拟货币基金这些产品的出现。 Was announcing, the Internet finance, has involved more and more domains, even there are the trend of covering the entire traditional financial business domain. 都在宣告,互联网金融,已经涉及越来越多的领域,甚至有覆盖整个传统金融业务领域的趋势。 The expense loans of ten thousand cartoons, are not quite same as the flower, actually with borrowing looks like. 万卡通的消费贷,和花呗不太相同,倒是和借呗更像。 This actually, has involved the small loan business. 这其实,已经涉及到了小贷业务。 However at this moment, these concepts are very fuzzy, the shortly after concept of Internet finance just appeared, in addition the distant place also in the pilot, pours also no one to investigate, spends the loan and small loan has what difference. 不过此刻,这些概念还很模糊,互联网金融的概念刚出现不久,加上远方也只是在试点,倒也没人追究,消费贷和小贷到底有什么差别。 ...... …… The traditional financial industry, saw this trend and change. 传统的金融行业,看到了这种趋势和变化。 Emerging Internet financial arena, saw this change. 新兴的互联网金融领域,也看到了这种变化。 The country, is supporting them to change! 国家,正在支持他们求变！ Gray area from the beginning, to integrating the country regulates, provides to various types of licenses, arrives at distant private enterprise, attained the first consumer finance license...... 从一开始的灰色地带,到纳入国家监管,到各种牌照发放,到远方这家民营企业,拿到了第一张消费金融牌照…… All these all, were all explaining, the Internet finance, had entered the line of sight of government, but the government, is also supporting. 这一切的一切,无一不在说明,互联网金融,已经进入了政府的视线,而政府,也在进行支持。 Doesn't have the support of government, the distant place possibly to attain the consumer finance license of first private enterprise? 没有政府的支持,远方怎么可能拿到第一张民营企业的消费金融牌照？ Meanwhile, fully explained, the government has very big confidence level to the distant place. 同时,也足以说明,政府对远方还是有很大信任度的。 The reform of this emergent industry, generally speaking, will take the lead by the state-owned enterprise, after all the state-owned enterprise is better to control and guide, secures against loss easily promptly. 这种新兴产业的改革,一般来说,都会由国企打头阵,毕竟国企更好掌控和引导,也更容易及时止损。 But the private enterprise, the government's regulation to this aspect, actually exists troublesome some. 而民营企业,政府对这方面的监管,其实还是存在一些麻烦的。 Now, the distant place can attain the license, becomes the reform vanguard of industry , indicating sufficiently the government trusts the distant place very much, otherwise, this being related financial arena important matter, how regardless of not to give the distant place to lead is right. 现在,远方能拿到牌照,成为行业的改革先锋,足以表明政府对远方很信任,要不然,这种事关金融领域的大事,无论如何也不会交给远方来主导才对。 Suddenly, in many hearts starts to vibrate. 一时间,不少人心中都开始震动起来。 ...... …… In the professional heart vibrates, the average consumer somewhat is also surprised. 业内人士心中震动,普通用户也有些惊讶。 On this day, the ten thousand cartoon cell phone client side software of many, presented the inscription of expense loan. 这一天,不少人的万卡通手机客户端软件,都出现了消费贷的字样。 Has the curious person, the point went to look, operated slightly with the flow, discovered that own phone interface, were many inscriptions of many quotas. 有好奇的人,点进去看了一下,跟着流程稍微操作了一番,就发现自己的手机界面,多了一个多少额度的字样。 Some people thought that does not dare to believe that online loan? 有人觉得不敢置信,网上借款？ What doesn't need to mortgage? 什么都不用抵押？ What procedure doesn't need to manage? 什么手续都不用办？ Then can lend money? 然后就能借钱了？ When p2p loans now this concept has not emerged, the ordinary consumer, very finds it hard to believe, in the network, can not use anything unexpectedly, any mortgage, can loan with ease. 在如今p2p贷款这个概念还没兴起的时候,普通消费者,很难相信,在网络上,居然可以不用任何东西,任何抵押,就可以轻松借款。 ...... …… Plain. 平川。 In not a well-known small company, Yang Yan is sizing up the phone interface curiously, above only has a gigantic number, 10000 Yuan. 一家不知名的小公司中,杨艳好奇地打量着手机界面,上面只有一个硕大的数字,10000元。 Yang Yan carefully looked at one to introduce, was saying to opposite colleague curiously: „Real false? What thing does not use, can online loan directly? Has not seen including the surface, does the usury lend money is not so simple?” 杨艳仔细看了一阵介绍,接着就对着对面的同事好奇道:“真的假的？什么东西都不用,就能直接在网上贷款了？连面都没见,高利贷借钱也没这么简单吧？” Opposite middle-aged female colleague is more surprised than her, strange say/way: „What loans? Didn't you have money? I said little Yang, should save must save a point......” 对面的中年女同事比她还要惊讶,奇怪道:“什么贷款？你又没钱了？我说小杨,该节省还是要节省一点的……” „ Sister Zhang, is not this, aren't you using ten thousand cartoons? Yourself have a look, ten thousand cartoons that today renews, above had an expense loan entrance. “张大姐,不是这个,你不是也在用万卡通吗？你自己看看,今天更新的万卡通,上面有了一个消费贷入口。 The point goes on the line, clears, can see oneself can loan how much money. 点进去就行,开通一下,就能看到自己能贷多少钱。 I looked at to explain, so long as the real name authentication on the line, what other did not use, said that was lends money for three minutes to arrive at the account, to card, had such cheap matter directly? ” 我看了一下说明,只要实名认证就行,其他的什么都不用,说是借钱三分钟就到账,直接到卡里,有这么便宜的事吗？” „Real false?” “真的假的？” Opposite female colleague was more surprised, quickly opened own ten thousand Katong to look at one, long time Sister Zhang some doubt looked to Yang Yandao: „Had not found the entrance, ben't little Yang, you deceived?” 对面的女同事更惊讶了,急忙打开自己的万卡通看了一阵,半晌张大姐才有些狐疑地看向杨艳道:“没找到入口,小杨,你别不是被骗了吧？” „No?” “没有？” Yang Yan said with amazement: „How not to have, in home page, I, as soon as went in saw, I had a look your......” 杨艳惊讶道:“怎么会没有,就在首页啊,我一进去就看见了,我看看你的……” Saying, Yang Yan poked head to look at one toward Sister Zhang's cell phone, finally looked, had not discovered that expense loan entrance, Yang Yan was somewhat depressed: „, Sister Zhang, won't you have renewed the edition? 说着,杨艳探头朝张大姐的手机看了一眼,结果找了一圈,还是没发现消费贷入口,杨艳有些郁闷道:“不会吧,张大姐,你没更新版本吧？ Before I did not have, renewed the edition after the morning had. ” 之前我也没有,就早上更新了版本之后才有的。” „I renewed, the edition that in the morning renews, little Yang, your shows me......” “我更新了,早上更新的版本,小杨,你的给我看看……” Sister Zhang is saying, others also read oneself cell phone. 张大姐这边说着,其他人也都翻看起自己的手机。 After a while, in the office, some people open the mouth saying: „I have, but also, should not be false, ten thousand cartoons, but the industry of distant place.” 过了一会,办公室中,有人开口道:“我也有,还真是,应该不会是假的吧,万卡通可是远方的产业。” „Do you have? I? little Yang, little Chen, you helps me have a look......” “你也有？我怎么没有？小杨,小陈,你们帮我也看看……” „I do not have, felt strange, won't be the edition of renewal will be different?” “我也没有,奇怪了,不会是更新的版本不一样吧？” „Our office has probably on little Yang and little Chen, won't you be deceived?” “咱们办公室好像就小杨和小陈有,你们不会是上当受骗了吧？” „Is insufficient......” “不至于吧……” The people discuss spiritedly, Yang Yan who at this time, opened the mouth before said suddenly: „ My this above seems some to introduce, said is the pilot part ten thousand cartoon users, the credit is good, has had the shopping record in the distant commercial city, Yu’e Bao has had the finance, will have the opportunity to clear the expense loan. 众人议论纷纷,这时候,之前开口的杨艳忽然道:“我这上面好像有介绍,说是试点部分万卡通用户,信用好的,在远方商城有过购物记录的,余额宝有过理财的,都会有机会开通消费贷。 I have shopped in the distant commercial city for these years, Yu’e Bao also deposited 20000 dollars, is not because this clears? ” 我这几年一直都在远方商城购物,余额宝也存了20000块钱,不会是因为这个才开通的吧？” Another clearing user is also hurried the say/way: „ I am also, our office, I and Sister Yang wang buy the comparison, I also save money in Yu’e Bao, saved 50000! 另一个开通的用户也急忙道:“我也是,咱们办公室,就我和杨姐网购比较多,我也在余额宝存了钱,存了50000呢！ This expense loan should have the relations with these, my quota returns the high spot compared with Sister Yang, 20000 dollars. ” 这个消费贷应该和这些有关系,我额度比杨姐还高点,20000块钱。” „Is this? What the distant place does, does the difference treat? We are also distant place's faithful customers, but usually shops to like going to Yuanfang Supermarket, does not have the shopping online, you opened, unexpectedly does not clear to us......” “是这样吗？远方搞啥啊,区别对待吗？我们也是远方的忠实客户,只不过平时购物喜欢去远方超市,没网上购物而已,你们都开了,居然不给我们开通……” Some people somewhat envied said that the person actually feared the contrast. 有人有些嫉妒地说了一句,人其实就怕对比。 No matter anything, you have me to have, everyone balances. 不管什么东西,你有我有,那大家心里都平衡。 But you have, I do not have, others some are not balanced. 可你有,我却没有,那别人就有些不平衡了。 In the office, many people are Yang Yan their seniors, even their managers. 办公室中,很多人都是杨艳她们的前辈,甚至还有她们的主管。 Finally entire office they have, others did not say, their managers are not glad. 结果整个办公室就她们俩有,别人不说,她们的主管心里就不是太乐意。 On little Yang and little Chen, the wages are not high, spend also wastefully, in hand also few deposits, unexpectedly also distant place's distinguished guest customer. 就小杨和小陈这两人,工资不高,花钱也大手大脚的,手上也没几个存款,居然还成了远方的贵宾客户。 They, their wages may probably be higher than little Yang, finally they unexpectedly are not the distinguished guest users, this type and other gradings, naturally let in the will of the people the pantothenic acid. 她们这些人,比小杨她们工资可要高多了,结果她们居然不是贵宾用户,这种等级差,自然让人心里泛酸。 Yes, in their ideas, cleared the expense loan at this time, obviously is the distinguished guest user in distant place, has not cleared, naturally is not. 是的,在她们的想法中,这时候开通消费贷的,显然都是远方的贵宾用户,没开通的,自然不是。 Yang Yan some responsible acids, shape, if has no intention saying: „ Has not really said that 100 million dollars are not the small numbers, isn't the distant place so richly natural? 杨艳的主管心里有些酸酸的,状若无意道:“到底是不是真的还不好说呢,10000万块钱可不是小数目,远方有钱也没这么大方吧？ Puts in an appearance does not hit, three minutes loan, possibly? 连照面都不打,三分钟放款,可能吗？ Right, is free or can collect the interest? ” 对了,是免费的还是要收利息的？” „Collects the interest, every day 5/10000......” Yang Yan has not said, little Chen said suddenly: „Every day 4/10000......” “收利息,每天万分之五……”杨艳还没说完,小陈忽然道:“每天万分之四……” Right now, others were more curious, are two person interest unexpectedly different? 这下子,其他人更好奇了,两个人居然利息还不一样？ Yang Yan also has doubts saying: „You 4/10000?” 杨艳也疑惑道:“你万分之四？” little Chen nods to say with a face all smiles: „ Un, I just looked, agreement above said, the interest is 3/10000 to 5/10000. 小陈笑容满面地点头道:“嗯,我刚刚看了一下,协议上面说,利息是万分之三到万分之五之间。 According to individual degree of comparison, spends the record, everyone will enjoy the different interest. 根据个人的信用等级,消费记录,大家会享受不同的利息。 I should quite be many in the distant shopping, therefore interest lowly. 我应该是在远方购物比较多,所以利息低一点。 4/10000 th, this interest does not calculate actually high...... ” 万分之四,这利息倒是不算高……” This time private loan, the interest was very high, converting annual interest 50 was the normal category. 这时候的民间借贷,利息都很高,折算下来年利50都是正常范畴。 But bank loan, interest, although is not high, but the average person cannot borrow. 而银行贷款,利息虽然不高,可一般人根本借不到。 At this time, 23 cities, the credit card has not been popular, but the credit card exceeding the time limit interest rate is also very high, in addition fine for delayed payment, interest on interest, even is higher than the private loan. 此时,二三线城市,信用卡还没流行开,而信用卡逾期利率也很高,加上滞纳金,利滚利,甚至比民间借贷还要高。 ten thousand Katong gave the little Chen 4/10000 interest rates, little Chen naturally thought that is not high, moreover let alone side also had 5/10000 Yang Yan. 万卡通给了小陈万分之四的利率,小陈自然觉得不算高,而且更别说旁边还有个万分之五的杨艳了。 Others did not have the thoughts to work at this time, some people have the sound said: „ little Yang, little Chen, how gives a try? 其他人这时候也没心思工作了,有人出声道:“小杨,小陈,要不试试看怎么样？ Deceived people, tried to know. 到底是不是骗人的,试试就知道了。 The interest is not in any case high, completely taking advantage, one day also several dollars. 反正利息也不高,全部借出来,一天也才几块钱。 Right, can this money take? 对了,这个钱能取出来吗？ Online do not spend is good? 不会非要在网上消费才行吧？ Now many shop owners promote sales are also this joke, said that to you coupon, a lot of must go to that to spend finally the line...... ” 现在好多店家促销也都是这个噱头,说是给你优惠券,结果非要去那消费多少多少才行……” little Chen said immediately: „, Above did not say, the lending money words, money can directly to the bankcard, three minutes on the line.” 小陈马上道:“不是的,上面说,借钱的话,钱可以直接到银行卡里,三分钟就行。” „Directly to card? Has such good matter? Did not say the bank loan, the credit card handles requires the time, wants to take the cash, but must take presently, various handling charge big piles, but also cannot take completely......” “直接到卡里？有这么好的事？不说银行贷款,信用卡办理都要时间吧,想拿现金,还得取现,各种手续费一大堆,还取不到全部……” little Chen hurried say/way: „ Really, above said that moreover this is Li Dong company, should not deceive people. 小陈急忙道:“真的,上面就是这么说的,而且这可是李东的公司,应该不会骗人吧。 20000 dollars, to Li Dong are not anything, perhaps will fall the ground not to pick. ” 20000块钱,对李东来说也不算什么,掉地上恐怕都不会捡的。” „ Can that be the same? little Chen, or gives a try? You did not say that before you do want to repair your family house? “那能一样吗？小陈,要不试试看？你之前不是说你想把你们家房子装修一下吗？ Really must be able to loan 20000, has not needed to go to the bank, in addition you on hand on these money, almost enough. 真要能贷款个20000块,还不用去银行,加上你手头上的那些钱,差不多就够了吧。 Really was not good, borrows returned again, really must collect the interest, did we help you pay the line? 实在不行,借了再还上,真要收利息,我们帮你付行了吧？ Gives a try, look real, 20000 dollars, a day 8 dollars, I just looked, above said that can momentarily the repayments, was not good to return immediately. ” 试试看,看看是不是真的,20000块钱,一天八块钱而已,我刚刚看了,上面说随时可以还款,不行马上就还上好了。” „Right, little Chen, tries, the matters of several dollars.” “对啊,小陈,试试吧,几块钱的事。” Others started to urge, little Chen somewhat hesitates right now, considered one will say: „Or do I first borrow 100 to try?” 其他人纷纷开始劝了起来,小陈这下子有些犹豫了起来,考虑了一会才道:“要不我先借100试试？” „Can 100 also borrow?” “100也能借？” „Can, above not write the monetary limitation, I give a try, even really did not have, 100 no losses, doesn't everyone look in any case unusually?” “能吧,上面也没写金额限制,我试试看,就算真没了,100块也没啥损失,反正大家不就看个稀奇吗？” little Chen is saying, relaxes at heart, taking advantage of 100 gives a try, really must be able to borrow, these 20000 dollars, but also really can help itself much busy. 小陈说着,心里松了口气,借100试试看,真要能借出来,这20000块钱,还真能帮自己不少忙。 Family's house has prepared to repair, but complete family belongings, now also in tens of thousands dollars on Yu’e Bao, radically insufficiently. 家里的房子一直准备装修,可自己全部家当,现在也就余额宝里面的几万块钱,根本不够。 Husband that side wages all brought home, both parents were not wealthy. 老公那边工资全拿来家用了,双方父母也不富裕。 Looks for the bank, the bank has not repaired to loan this choice now, procedural also trouble is not good, for 20,000-30,000 dollars, going to the bank rushes about is not cost-effective. 找银行,银行现在也没装修贷款这个选择,手续也麻烦的不行,为了20,000-30,000块钱,去银行奔波也不划算。 The distant place really must be able to borrow money, has not used the flow, perhaps that this house really can repair. 远方真要能借到钱,还不用走流程,那说不定这次房子真能装修了。 She just looked in any case, can, the longest three years, one month, this not be by stages big to their pressure. 反正她刚刚看了,可以分期还,最长三年,一个月还一点,这对他们压力还不算大。 Is holding the attitude that gives a try, little Chen starts to operate. 抱着试试看的态度,小陈开始操作起来。 After a while, little Chen raised the head saying: „Borrowed, above said is transferring accounts, does not know that can arrive at my card?” 过了一会,小陈抬头道:“借了,上面说正在转账,不知道能不能到我卡里？” At this time, not only others were caring, opposite Yang Yan was also caring. 这时候,不仅其他人在关心,对面的杨艳也在关心。 She also has 10000 quotas. 她还有10000的额度呢。 If really can borrow, the previous settling on that necklace had money to buy, then waited to pay out the wages, divided for several months to return slowly and that's the end. 要是真能借到,自己上次看中的那条项链就有钱买了,回头等发了工资,分几个月慢慢还上就是了。 At this time, everyone is slowing down, the manager in office has not spoken. 这时候,大家都在怠工,办公室里的主管也没说话。 Actually, the manager somewhat was also distressed at this time, she at this time, was actually hope money to the account, best was the fraud, that was better. 其实,主管这时候也有些心焦,她这时候,其实是希望钱到不了账的,最好是骗局,那就更好了。 Otherwise, the subordinate is higher than this responsible credit, has credit in the distant place, that said disgraced. 要不然,下属比她这个主管信用高,在远方更有信用度,那说出去多丢人。 In the people anticipation, crossed probably for about two minutes, little Chen's cell phone made a sound suddenly, looked at a phone screen, little Chen said pleasantly surprised: „Also really arrived at the account!” 就在众人期待中,大概过了两分钟左右,小陈的手机忽然响了一声,看了一眼手机屏幕,小陈惊喜道:“还真到账了！” Before, the bankcard SMS notification business only promoted in the super client, the demand that but over time, and Internet paid, major Payment Companies are discussing the matter of cooperation with the bank now. 以前,银行卡短信通知业务只在大客户中推广,不过随着时间推移,以及互联网支付的需求,现在各大支付公司都在和银行谈合作的事。 But the SMS notification business, starts the popularization now. 而短信通知业务,现在也开始普及了。 Sees that flash of message, saw in own balance of account were really many 100 dollars, young Chen Gaoxing said: „ Li Dong company is different, what procedure does not have, several minutes of matter, money arrived at the account. 看到短信的那一瞬间,看到自己账户余额里真的多了100块钱,小陈高兴不已道:“李东的公司就是不一样,什么手续都没有,几分钟的事,钱就到账了。 If this is drawing cash to run...... ” 这要是拿着钱跑了……” Said that said that little Chen said immediately: „ Naturally, I lend money definitely, is drags for several months, temporarily should emergency. 说是这么说,小陈还是马上道:“当然,我借钱肯定会还的,就是拖几个月而已,临时应应急。 So is really quick to the account. 没想到,真的到账这么快。 Ten thousand cartoon businesses may solve urgent matter, never expected that Li Dong company threw money to finish, started to throw money outward. ” 万卡通这个业务可算是解了燃眉之急,没想到李东自己公司才撒钱结束,又开始往外撒钱了。” little Chen sighed with emotion one, others also had the thoughts at this time, they have not thought, speaking of the account arrives at the account, arrived quickly! 小陈感慨了一阵,其他人这时候也都动了心思,他们也没想到,说到账就到账,这么快就到了！ What a pity, among those present, except for Yang Yan, others has not cleared this project, at this moment can only look that little Chen and Yang Yan light up with pleasure, everyone is somewhat uncomfortable. 可惜,在场的人当中,除了杨艳,其他人都没开通这个项目,此刻只能看着小陈和杨艳喜笑颜开,大家心里都有些不是滋味。 Some people asked in a low voice: „little Chen, how much money this must shop, can clear this?” 有人低声问道:“小陈,这得购物多少钱,才能开通这个？” little Chen shakes the head saying: „ This I have really not known, but I in online bought 20,000-30,000 things from all sides probably, is the practical things, with going to the supermarket also has no difference. 小陈摇头道:“这个我还真不知道,不过我前前后后在网上大概买了20,000-30,000的东西,都是实用的东西,和去超市也没什么差别。 Right, the Yu’e Bao deposit, has the deposit, I thought that should be able to clear is right, do you or give a try? ” 对了,还有余额宝存款,有存款,我觉得应该就能开通才对,你们要不试试看？” „Yu’e Bao, the net buys......” “余额宝,网购……” Some people who have not cleared, at this time got up the thoughts, must go to the net to buy something, saves to count money toward Yu’e Bao again is right. 没开通的一些人,这时候都上了心思,要不要去网购一些东西,再往余额宝存点款才对。 Otherwise, now can only look that little Chen they bluffed and blustered. 要不然,现在只能看着小陈她们耀武扬威了。 ...... …… On this day, produces the person who such anxiety and does not believe is not one two. 这一天,产生这样疑虑和不信的人不是一个两个。 But was deliberately considering goes to the distant commercial city to purchase a person, does not only have That side Yang Yan. 而寻思着去远方商城采购一番的人,也不是唯有杨艳那边。 But the user in pilot, on this day also the driving or passive, many people cleared the expense loan. 而试点的用户,这一天也主动或者被动,不少人都开通了消费贷。 Many people, even had started their road of loan. 不少人,甚至已经开始了他们的借款之路。