The expense loan that if the distant place first promotes, to attract the user pays attention. 如果说,远方先推出的消费贷,是为了吸引用户注意。 After all, the cash succeeds in obtaining, this lets the authenticity that many people believe the expense loan. 毕竟,现金到手,这让很多人会相信消费贷的真实性。 Then in 7 th, the distant trial operation gets online again was similar to the flower enjoys the loan specially, some that the plot revealed! 那在七号,远方再次试运营上线了类似于花呗的专享贷,那就有些图穷匕见了！ Enjoys the loan and expense loan specially is different, spending loan , if borrows, that enjoys the loan to be colored specially. 专享贷和消费贷不同,消费贷如果是借呗,那专享贷就是花呗。 But function that spends, naturally is the real expense, spends under the distant industry, this called to enjoy the loan specially. 而花呗的作用,自然就是真正的消费,在远方旗下的产业当中进行消费,这才叫专享贷。 This actually pays in advance everyone's expense potential ahead of time , to promote the expense of user **. 这其实就是提前预支大家的消费潜力,促进用户的消费**。 In the distant commercial city with ten thousand nets, enjoys the loan to be able when specially directly money uses, but also enjoys the credit card same interest-free period. 在远方商城和万家网,专享贷可以直接当钱用,还享受信用卡一样的免息期。 This does not have the popular user the credit card regarding the present, can spend the money of distant place free, buys the thing of distant place, where does this good deed to look? 这对于如今连信用卡都没普及的用户而言,可以免费花远方的钱,买远方的东西,这种好事到哪找去？ All people who use these expense loans, earlier will not consider the matter of repayments. 所有使用这些消费贷的人,前期都不会考虑还款的事。 As for the later period, that was also afterward matter. 至于后期,那也是后来的事了。 When enjoys specially the loan appears, compares the huge commercial city sales system, on the same day did not seem to present any increase. 当专享贷出现的时候,相比较庞大的商城销售体系,当日好像没有出现任何增幅。 Data that but the distant data center feeds back, is to make Li Dongxi smile open. 可远方数据中心这边反馈来的数据,却是让李东喜笑颜开。 7 th, clears the user who enjoys the loan specially compared with the user who before spent the loan many, achieved 100,000 people. 七号,开通专享贷的用户要比之前消费贷的用户多一点,达到了10万人。 But same day, more than 50% users cleared on the 7 th enjoyed the loan business specially, on the same day, had the user to seek novelty, used enjoyed the loan to conduct the shopping and other expenses specially. 而就在七号当天,一半以上的用户都开通了专享贷业务,当日,就有用户为了猎奇,使用了专享贷进行购物和其他消费。 The user who the use enjoys the loan specially, was over 20,000 people, the amount exceeded 2 million Yuan! 使用专享贷的用户,超过了2万人,金额则是超过了200万元！ First day, the cleared user are not too many, moreover is at the trial operation stage, many people do not clarify these concepts, however first day had 20,000 people to use enjoyed the loan specially, the amount of use exceeded 2 million Yuan, this has made one shock very much. 第一天,开通的用户并不是太多,而且目前还处于试运营阶段,很多人连这些概念都搞不清,然而第一天就有2万人使用了专享贷,使用的金额超过了200万元,这已经很让人震撼了。 ...... …… Distant headquarters. 远方总部。 The president Cao Jinsheng whole face of distant finance does not dare to believe saying: „I suspected, perhaps the user to the present, what thing has not ravelled thoroughly this is, does this dare to shop with this money?” 远方金融的总裁曹金生满脸不敢置信道:“我怀疑,用户到现在,恐怕都没彻底弄明白这是什么东西,这就敢用这个钱购物？” He does not know this/should happy this/should worry. 他都不知道该高兴还是该担心。 Can such not relentless use, to finally, these money receive? 这样毫无节制的使用,到最后,这些钱能收回来吗？ The money of although at present letting out does not calculate too, the person of true use are also few. 虽然目前放出去的钱不算太多,真正使用的人也少。 But 6 th, spent the loan to loan 5 million, 7 th, spent the loan and enjoys the loan altogether to loan to spend about 8 million specially. 可六号,消费贷还是贷款出去了500万,七号,消费贷和专享贷总共贷款消费了800万左右。 Two days, spent 13 million funds. 两天,花了1300万的资金。 Can these money, really receive? 这些钱,真的能收回来吗？ This was just started, when later, scale huge, the fund that every day let out were more, in the event of a large area of dead account bad account, what to do that should? 这还是刚开始,等到以后,规模庞大了起来,每天放出去的款子更多,一旦出现大面积的死账坏账,那又该怎么办？ He worried, Li Dong is actually not worried about these, said with a laugh: „ This is not a thing that is difficult to understand, ahead of time pays in advance the income. 他担心,李东却是不担心这些,笑呵呵道:“这又不是什么难懂的东西,提前预支收入罢了。 Let alone, these users who we clear now, is we have established the user community of credit system. 何况,我们现在开通的这些用户,都是我们已经建立起信用体系的用户群体。 These people, are very strong in the distant power of consumption, moreover under most has the deposit in Yu’e Bao. 这些人,在远方消费能力很强,而且大部分名下都在余额宝有存款。 To their repayment capabilities, I feel or feel relieved. 对他们的还款能力,我觉得还是放心的。 Let alone, the quota that we clear is not too high, the risk actually wants small many compared with the bank. 何况,我们开通的额度不算太高,风险其实比银行要小的多。 The bank card, that is the artificial verification, various material fabrication become the normal state, the bad account rate/lead of credit card is not high, let alone we? 银行信用卡,那是人工审核,各种资料造假成为了常态,信用卡的坏账率都不算高,何况我们？ Our expense loans and enjoy the loan specially, conducts the data comparison analysis through the big database, finally we unify to conduct to clear. 我们的消费贷和专享贷,都是通过大数据库进行数据比对分析,最后我们统一进行开通的。 From this point, actually we control the risk of bank are severer. 从这一点上来说,其实我们比银行的风险把控更严厉。 So long as completes the data analysis and audit work, finally, the light is these loans, we will definitely make money. 只要做好数据分析和审计工作,最后,光是这些贷款,我们肯定会赚钱的。 But actually these interest, are the small benefit origins. 而其实这些利息,还是小的利益来源。 The key is, these money, a large part, flowed in the distant place finally, we conduct two benefits to gather. 关键还是在于,这些钱,很大一部分,最后又流入了远方,我们进行二次利益收取。 Moreover enjoys the emergence of loan specially, will also create very big help to our commercial city performance. 而且专享贷的出现,对我们的商城业绩也会造成很大的帮助。 Today's 2 million enjoy the loan to spend specially, at least over 1 million, will not become our performance. 今天的200万专享贷消费,其中起码有100万以上,原本是不会成为我们的业绩的。 But when in the user hand, seems like not own money, at that time, everyone will increase own shopping budget subconsciously, even has not prepared to shop, can think shops. 可当用户手中,有一笔看起来不属于自己的钱,那时候,大家都会下意识地增加自己的购物预算,甚至没准备购物的的,都会想着去购物。 Money that person this, has not taken, does not feel valuable. 人都这样,没拿到手的钱,都觉得不值钱。 Now the scale is small, is not too obvious. 现在规模小,不是太明显。 When the scale was big, waits for us to expand this user community to 2 million, 20 million, even 200 million people! 等规模大了,等我们将这个用户群体扩充到200万,2000万,甚至两亿人！ By that time, increased 500 shopping budget in average, we can increase 100 billion earnings! 到了那时候,人均多增加500块的购物预算,我们就能增加1000亿的营收！ Collects their interest, collects their by stages expenses, then gains their one in the performance, then, our funds were also stimulated again. 收他们的利息,收他们的分期费用,然后再在业绩上赚他们一笔,再然后,我们自己的资金也就被盘活了。 This kills multiple birds with one stone! ” 这才是一箭多雕！” „This called to be greedy......” “这叫雁过拔毛……” In the office, a quite slight sound passed on. 办公室中,一声比较细微的声音传了出来。 Li Dong selected the eyebrow, looks to opposite several humanity: „ What's wrong, do you feel strange? 李东挑了挑眉,看向对面几人道:“怎么,你们觉得不妥？ Felt, we do this, is instigating the consumer to conduct the overspending expense? ” 还是觉得,我们这样做,是在怂恿消费者进行超支消费？” Li Dong was saying slightly taunted obviously: „ Makes the enterprise, who does not hope that own earning increases, does the benefit increase? 李东说着略显嘲讽道:“做企业的,谁不希望自己的营收增加,利益增加？ Various types business develop the activity, various promotions, various shop expansions...... 各种商演活动,各种促销活动,各种门店扩张…… Joked? 难道都是闹着玩的？ Final goal, to not make money! 最后的目的,还不是为了赚钱！ I am not illegal, is not contrary, expands our revenue sources with the normal method, poured becomes was greedy? 我不违法,不违规,用正常的手段扩充我们的营收来源,倒成了雁过拔毛了？ This can only say, you are too weak! 这只能说,你们太幼稚！ According to your ideas, that everyone do not do business simply, because you do business, everyone must go shopping, goes shopping must spend, you are greedy. 按照你们的想法,那干脆大家都别做生意了,因为你做了生意,那大家就要买东西,买东西就得花钱,那你就是雁过拔毛。 The enterprise achieves this situation, unexpectedly so naive idea. 企业做到这个地步,居然还有如此天真的想法。 Has saying that your these people, make me feel each time somewhat disappointedly. 不得不说,你们这些人,每次都让我觉得有些失望。 Let alone, I do not do, don't others do? 何况,我不做,别人就不做？ The bank loan, the bank card, do these things, have the difference from us? 银行贷款,银行信用卡,这些东西,难道和我们有差别？ Without us, everyone also has other method, other channel spends. 没有我们,大家也有别的方法,别的渠道去进行消费。 If chose the usury, then wants fearful ten times of hundred times compared with us. 要是选择了高利贷,那比我们要可怕十倍百倍。 But lets the consumer, their limited funds, spends in the distant place, isn't a matter that we should as well as must do? 而让消费者,将他们有限的资金,消费在远方,难道不是我们应该以及必须去做的一件事？ This weak opinion, I listened to one time enough, did not want to appear the second time. 这种幼稚的言论,我听一次就够了,不希望出现第二次。 Moreover said coarse, compared with others, distant place at least already enough conscience. 而且说句难听的,比起别人,远方起码已经够良心了。 At least, our commodities are real, check severely, the verification is rigorous, the consumer goes shopping in our, I do not dare saying that the percentage hundred do not have the issue, but over 95, that is worth that buys. 起码,我们的商品货真价实,把关严厉,审核严谨,消费者在我们这买东西,我不敢说百分百没问题,可95以上,那都是买的值得。 Let the consumer go shopping in our, spends, the shopping, actually is also to their help. 让消费者在我们这买东西,消费,购物,其实也是对他们的帮助。 These idle talk did not say that in brief, in July, 7.18 make a simple trying investigation operation now. 这些废话就不说了,总而言之,现在才7月份,7.18做一次简单的试调查运营。 Then, our also several months expand our present all. 接下来,我们还有几个月时间去扩大我们现在的一切。 I hope, with is less than several months, our enjoys the loan to be able specially over 10 million users, can create over 10 billion extra performance. 我希望,用不到几个月,我们的专享贷就能超过1000万用户,就能创造100亿以上的额外绩效。 The victory, often accumulates little. 胜利,往往就是这么一点点累积来的。 Today we made the user many a choice, won over a user, not only strengthened itself, but also weakened the opponent. 今天我们让用户多了一个选择,多拉拢了一个用户,不但增强了自己,还削弱了对手。 This way, sooner or later, others will one day be flung by us thoroughly after behind. ” 这样下去,迟早有一天,其他人会被我们彻底甩在身后。” Li Dong speaking of this, said finally: „ Therefore, then, distant finance must make persistent efforts. 李东说到这,最后又道:“所以,接下来,远方金融这一块要再接再厉。 Yu’e Bao must absorb more funds, ten thousand cartoons must promote more users, spends the loan and enjoys the loan also to increase massive user communities specially. 余额宝要吸纳更多的资金,万卡通要推广更多的用户,消费贷和专享贷也要增加大量的用户群体。 I have said that must rout Ali, routs to pull out the treasure. 我一直说要击溃阿里,击溃掏宝。 Actually, a distant finance, good that if operates, perhaps good of operation, can become last straw that crashes Ali. 其实,一个远方金融,要是操作的好,运作的好,也许就能成为压垮阿里的最后一根稻草。 This point, should not be neglected. 这一点,不应该被忽视。 Although, our sound are now many, the movement is very big, is discussing the matter of merger and acquisition everywhere. 虽然,现在我们动静很多,动作很大,到处在谈并购的事。 Does not represent me, must give up the industry, must look on Ali to expand. 可不代表我,就要放弃it产业,就要坐视阿里壮大。 Has not attained the small loan license and consumer finance license while Ali now, this is also our opportunities. 趁着阿里现在还没拿到小贷牌照和消费金融牌照,这也是我们的机会。 Otherwise, once was also attained by them, that following, our advantages will be weakened. ” 要不然,一旦被他们也拿到了,那接下来,我们的优势就会被削弱很多。” The people nod in abundance, as for „being greedy that” before who said that also no one continued to care and investigate. 众人纷纷点头,至于之前谁说的“雁过拔毛”,也没人继续在意和追究了。 Li Dong does not investigate this, said: „ In October, after National Day vacation, has three months from the present. 李东也不追究这个,又道:“10月份,国庆假期之后,距离现在还有三个月。 But three months later, Shen Qian could live. 而三个月后,沈茜可能就要生了。 I hope, at that time you can give me pleasantly surprised. 我希望,那时候你们能给我一点惊喜。 Yu’e Bao, I the fund that wanted to absorb at that time will break through 100 billion. 余额宝,我希望那时候吸纳的资金会突破1000亿。 Enjoys the loan and expense loan specially, I hope that can achieve 10 times of levers, is 20 billion quotas. 专享贷和消费贷,我希望能达到十倍的杠杆,也就是200亿的额度。 If these points can achieve, that distant e-commerce and Internet financial arena, will make the unprecedented progress, thus provides the powerful assistance and support for our follow-up some plans. 如果这几点都能做到,那远方电子商务和互联网金融领域,都会取得突破性的进展,从而为我们后续的一些计划提供有力的辅助和支援。 This year, inevitably is one year of distant big breakthrough. 今年,必然是远方大突破的一年。 Purchases Guomei to start from January, routs Teng fast by May, goes on the market to the following micro blog again, and retail industries alliance forms...... 从元月份收购国梅开始,到5月份击溃滕迅,再到接下来微博上市,以及零售产业联盟形成…… 10 years of annual meeting, I think, the world will certainly see a different distant place. 十年的年会,我想,世界一定会看到一个不一样的远方。 But this year, my aspect, finds a wife to give birth, is two big celebrations. 而今年,我个人方面,娶妻生子,也是两大喜事。 The family and enterprise, can obtain contently, that is I biggest success. 家庭和事业,都能取得美满,那便是我最大的成功。 My Li Dong also wants to succeed, becomes the final big winner, but, all these by me, that are decide however are unable to complete. 我李东也希望能成功,成为最后的大赢家,但是,这一切靠我个人,那是定然无法完成的。 Present, is the cornerstone of my family enterprise double harvest. 在座的诸位,才是我家庭事业双丰收的基石。 The words spoke of this, everyone made persistent efforts. 话就说到这,大家再接再厉。 Also has other enterprises while Ali, at present is unable to attain the license in the situation, the market our one-party rule, strives to have the absolute market share and advantage in a short time. 趁着阿里还有其他企业,目前无法拿到牌照的情况下,市场我们一家独大,争取短时间内占据绝对的市场份额和优势。 Once other enterprises with, our advantages will be weakened much. ” 一旦其他企业跟了上来,那我们的优势就会被削弱不少。” Li Dong spoke, a people face was in abundance fixed, many people nodded hastily. 李东说话的时候,众人纷纷一脸凝然,不少人连忙点头。 In June the wedding, the distant place actually gave Li Dongsong several big rituals. 6月份大婚,远方其实就给李东送了几份大礼。 The retail industries alliance conforms, officially puts into service. 零售产业联盟整合完毕,正式投入运营。 Teng fast was routed, the distant place becomes the IT industry's first overlord. 滕迅被击溃,远方成为it行业第一霸主。 But then, Li Dongsheng day, the distant place actually also prepared the twofold big ritual for him in August. 而接下来,8月份李东生日,远方其实也为他准备了两重大礼。 Teng fast prepares the duplicate/restores sign, the micro blog prepares to go on the market. 滕迅准备复牌,微博准备上市。 Before, the micro blog went on the market, actually must drag to after September, but the ipo team of micro blog is trying hard now, strove also to be able before Li Dongsheng day to complete ipo, let Li Dong in the birthday, where can for strike a gong to worry. 之前,微博上市,其实要拖到9月份以后的,可现在微博的ipo团队正在努力,争取也能在李东生日之前完成ipo,让李东在生日的时候,可以为去哪敲钟而烦恼。 If this acquisition plan is smooth, the distant place even can also , when his birthday, attaches some big rituals to be right again. 如果这次并购计划顺利,远方甚至还能在他生日的时候,再附加一些大礼才对。 In October, the Li Dong first child reveals itself, now Li Dong voluntarily requests the distant place to offer the big ritual. 10月份,李东第一个孩子出世,现在李东主动要求远方送上大礼。 The values of several gifts, will perhaps be above everyone's expectation finally. 几份礼物的价值,最后恐怕会超乎所有人的预期。 But can offer this gift, to tested everyone time. 而能不能送上这份礼物,也到了考验大家的时候了。 Now, the time is not too sufficient, who can first topping, offer this gift list for Li Dong, perhaps will have very tremendous impact on the future. 如今,时间并不是太充足,谁能第一个拔得头筹,为李东献上这份礼单,也许会对未来产生很大的影响。 ...... …… Li Dong gave a present in and the others. 李东在等人送礼。 But enjoys to loan one on the 7 th specially, the horse sunlight could not sit still thoroughly. 可七号专享贷一出,马昀彻底坐不住了。 He has not thought, the movement of distant place so will be quick. 他没想到,远方的动作会这么快。 6 th expense loan, if Li Dong makes a profit the interest, that 7 th enjoys the loan specially, at that time just like in Li Dong office the person said is the same, „being greedy”! 六号的消费贷,如果说李东是赚利息钱,那七号的专享贷,那正如当时李东办公室里人说的一样,“雁过拔毛”了！ What pulled out is the net buys the wool of consumer, what pulled out is distant all users, including external user wool. 拔的是网购消费者的毛,拔的是远方所有用户,包括外来用户的毛。 Once the wools of these people were pulled out by the distant place, where Ali to does cramp out? 一旦这些人的毛被远方拔了,阿里到哪拔去？ The resources, money, these things, are actually limited to the consumer, a person is impossible unashamedly to spend. 资源,金钱,这些东西,对消费者而言其实都是有限的,一个人不可能毫无顾忌地消费下去。 The distant place pulled out, Ali pulls out again, that is completely different. 远方拔了一遍,阿里再来拔,那就完全不同了。 Enjoys specially loans a time, horse Yun starts in the office to telephone to communicate, this matter, really did not have the means to drag again. 专享贷一出的时候,马昀就开始在办公室中打电话沟通了起来,这事,真的没办法再拖了。 Otherwise, drags is longer, the trouble is bigger. 要不然,拖的越久,麻烦就越大。 The lead horse sunlight has not set firm resolve, at this time, horse Yun was actually under decided surely, found the person to cooperate! 之前马昀还没下定决心,这时候,马昀却是下定决定了,找人合作！ For what it's worth, cannot make the distant place continue to top, otherwise, Ali's crisis will be only getting more and more serious. 甭管结果如何,都不能让远方继续拔得头筹,要不然,阿里的危机只会越来越严重。 No. 7, horse Yun is almost confined at home, in the office does not know that made many phone calls. 七号这一天,马昀几乎足不出户,在办公室不知道打了多少电话。 Su Lin, the hundredth even/including these enterprises, can cooperate, can assist Ali to attain various types of licenses. 苏林、百连这些企业,都可以合作,也都可以辅助阿里拿到各种牌照。 In time that the sense of crisis aggravates, horse Yunzhi can not consider the future benefit, can hold current is good. 在危机感加重的时刻,马昀只能不去考虑未来的利益,能抓住当前的就已经不错了。 Moreover this time horse sunlight, somewhat was actually blurry. 而且这时候的马昀,其实也有些迷糊。 Li does Dong, actually want to do recently? 李东,最近到底又想干什么？ Before, he acted unceasingly, finally took Teng fast, perhaps from the beginning, no one will focus in Teng fast. 之前,他动作不断,最后拿下了滕迅,一开始,恐怕没人会把目标放在滕迅头上。 Now, the distant place is so. 现在,远方又是如此。 Various movements are frequent, seem like the movement to be many, may look like in the horse sunlight, this is actually serving for a core mission. 各种动作频繁,看似动作很多,可在马昀看来,这其实都是为了一个核心目的在服务。 Is Li Dong core objective, really Ali? 李东的核心目标,真的是阿里吗？ Perhaps this point, besides Li Dong, few individuals can be fully correct. 这一点,除了李东之外,恐怕也没几个人能猜透。 If not Ali, who that is? 如果不是阿里,那又是谁？ At this time, the horse sunlight really somewhat anticipated actually, wishes one could to go to the plain now, held Li Dong neck, interrogated him, does he actually want to do? 这时候,马昀倒是真有些期待,恨不得现在就去平川,抓住李东的脖子,质问他,他到底想干嘛？ However the charitable night also has 10 days. Really wants to see Li Dong, must wait till at that time. 不过慈善夜还有十天。真想看到李东,也得等到那时候了。 But these 10 days, horse Yun must prepare many things to be good. 而这十天,马昀也得准备好不少东西才行。 At least, 10 days later charity dinner, is insufficient by shameful that Li Dong ridicules. 起码,十天后的慈善晚宴,不至于被李东奚落的无地自容。 The temper of fellow, a little result on the dai Chinese zither, runs into their these old enemies, that is the venomous tongue. 那家伙的性子,有点成绩就嘚瑟,遇到他们这些老对头,那更是毒舌不已。 Even if horse Yun, now listened to be used to it, does not want to be despised by that fellow daily. 哪怕是马昀,现在听习惯了,也不想天天被那家伙鄙视。 ( Two, were completely muddled recently, was sorry.) (就两更了,最近晕头转向的,抱歉了。)