Similarly, the bank loans to you, not to give you money for nothing, but also to charge interest.

The point is, even if you need money to save your life now, the bank won't lend you money, but the ants will lend it to you. Judging the level is the difference.

For the rich, banks and ants are not good things!

Ants are good for people who need money badly! It saves people from danger! Thanks to him!

It is better to say that the overwhelming advertisements of merchants are more attractive than ants inducing consumption. If ants should be punished, so should enterprises. Isn't it?

Induction is a means for businessmen. Sometimes, people don't induce or consume.

It is only natural for businessmen to seek profits!

It is people who need education, not consumers or businessmen. Without businessmen, there is no business. Without commerce, the world would return to primitive society.

Ant Group has Bai Hua to borrow Alipay, which does not create value. It is a tool that brings convenience to people. Humans have come all the way from primitive society, relying on

Only when the tools are advanced can they become more and more developed.

I think ants provide tools, which is enough. I want it for nothing, but I can't.

Ant Group takes advantage of the loopholes in the financial management and supervision system to play the game of empty gloves and white wolves, lending bank money to unsecured customers and collecting commissions. The commission is in hand, and it is the bank that does not lose money.

Who will give you money to spend except your parents? Ant Group is not a charity, but an online financial lending institution. For the purpose of making profits, it takes itself as an intermediary to guarantee your money, lends money to you from the bank in order to earn intermediary fees, packages up your arrears contract and sells it to the bank in the name of financial derivatives or bond investment. Because they have mastered the information about you and your family through big data, if you owe money and don't pay it back, you will be blacklisted, making it difficult for you to move in society.

If you are a college student who has no self-control and don't pay the bill because you enjoy life, it must be your parents who pay the bill in the end. If your parents don't pay you back, you will be blacklisted for dishonesty. If you want to start a business and owe money, you will also be blacklisted for dishonesty. In the information age, being blacklisted for dishonesty will affect your life.

Since your debt has been packaged and sold to the bank, the bank will pay for the loss. Ants are playing the game of empty gloves and white wolves, and they will make a steady profit without losing money. The purpose of the country is to save those who have no income, so that they will not get into trouble because of the lack of goods, and at the same time avoid the losses of banks.

The ant game can still be used in normal economic development, so that people can spend tomorrow's money, and most working-class people can repay their loans while working, which has a certain stimulating effect on economic development. However, if something goes wrong with the economy, it will become a huge disaster, just like the sudden epidemic this year. If China people don't have the habit of saving, what will it be like to close the city?

The subprime mortgage crisis in the United States is a warning.

Putting aside risks and talking about convenience is playing hooligans! Moreover, starting with private data such as user portraits, there are also funds that merchants and customers are stranded in platform accounts. When the law was blank before, these funds were used to earn huge interest income. The most terrible thing is that using 2% of its own capital to leverage a hundred times will bring great risks to national financial security and investment enterprises and individuals. It also tried to maliciously attack and discredit the state's regulatory policies, and tried to kidnap the part of the masses that lacked roots to force the financial regulatory authorities. It can be used as catfish to promote the gradual reform of financial institutions according to law, but it must not be allowed to grow wildly and give play to its vicious nature of transnational monopoly capital greed! China is a socialist country led by the Communist Party of China (CPC), and transnational monopoly capitalists will never be allowed to make waves!

Ant Group lent you money, not for nothing.

On the basis of paying lower interest, the borrower chooses the opportunity to realize the flow provided by the platform. As long as you do something that helps the flow, you can make up for the cash benefits subsidized by ants. Mutual benefit is fair.

When answering this question, it just reminds me of one thing.

Yesterday, I accidentally received a video circulating with the wind in a private domain closed environment. Its content makes no secret of the attack on Ant Group, saying that it uses loopholes in financial supervision to lend money to civilians, but sits on a large sum of money to earn illegal interests, pointing out that it is empty-handed. It is also said that in the process of consumption, people are blinded by something in order to get "petty profits". Among them, the video also lists many decent figures. If you don't think about it, you may instantly think that Mr. Ma Yun is a demon, a Jiang Yang thief never seen before in the past generation. Finally, the man was very excited to ask everyone:

"Now, do you still support Ma Yun? ! "

If, even if Mr. Ma really cheated the supervision of state financial institutions, it would not be a day or two. Such a long time, such a big liar, has been hanging around for several years. Is it possible for financial supervision to be discovered now?

A few years later, did everyone take a nap?

This speech is full of rationality. It's really embarrassing if you don't listen carefully.

I hate this trick.

What do you mean?

Look at this conversation:

I looked at the old man who strongly recommended this video to me. I am very helpless, ask a way:

Did you understand what the so-called expert said?

He immediately said, I see why. This is what the boss said. Then Ma Yun must be a criminal who swindles bank money. We can't use Alipay or Huabai in the future.

Oh! The purpose of the person who made this video is obvious. First, he muddied the water and spread impassioned speech videos in a closed traffic private domain environment, so that these activities are still restricted in a closed network. With the help of these netizens, a large number of people spread it, taking advantage of the fact that some people still habitually think that "the media is the best, and he can't be wrong when he says that anyone is a bad person", guiding and influencing everyone to hate Ma Yun and exclude Alipay, this goal has been achieved.

In fact, if this rebellious phenomenon comes from an official financial institution arguing with Mr. Ma face to face, is it necessary to open a national financial institution to make such a small move?

I think this needs to be checked quickly to see if they are experts appointed by national financial institutions.

Ant Group lends you money, not to let you spend it, but to give you a chance to share it with everyone. Of course, you have to pay lower interest, but what's important is that it helps borrowers tide over the difficulties at hand again and again.

I think some netizens are right:

Borrow money, borrow high interest from banks, and borrow low interest from ants; Ants in trouble will help you, but banks won't. People don't need to borrow big money, borrow small money from the bank, and it ignores you; Just look for online loans, you are cheated, and it is not even safe; However, the ants lend it to you, and it is safe for you to use it. It is better to borrow it and return it, saving many civilians who are suffering in difficulties.

I also asked the old man:

There is a note in the package after you buy online. As long as you give an evaluation, you can get a three-yuan cash return. Do you want it? "

Of course!

So for you, is this a small profit?

Don't! What a fly head! I can buy a pair of slippers with it!

But the video said that you were cheated by this kind of kindness!

Is it? This is not right. This is a small amount, but if it is repeated, it will be a lot of money. Ah, then this expert must be very rich, with a lot of money. He doesn't care about this little money. .............................................................................................................

The old man blinked, then said:

Hmm? ..... Where did he lie to us?

In short, in this video speech, there are many figures that cannot be confirmed by the audience, but two points are really nonsense, confusing right and wrong and ulterior motives:

1, Bai Hua and Bai Jie are not those online lending institutions without foundation. Although I dare not say so, I am almost classified as one. It is said that some students have poor control over borrowing money, and it is the result of their own casual online loans. Ant micro-loans, flower beds, and loans produced by ants are actually launched to crack down on these illegal online lending institutions;

2. In the video, he also said that what consumers get according to each consumption is as small as a few cents, a few cents, and a few cents. Ants use petty profits to defraud the trust and love of ordinary people, but ordinary people don't think these are small money.

This proves that the so-called financial experts must not represent the vast majority of the bottom civilians.

Who else will give it to him? Could it be a pawnshop meeting? Regardless of the interest rate, ants can send charcoal in the snow, and pawn shops will send shit in the snow. I really don't understand what you mean by licking the pawn shop. The financial crisis is too far away from you, why not consider the reality? Pawnshops don't lend, of course, there is no crisis. When you borrow money, your pocket is whiter than your face. Will you consider the financial crisis? This brain has been washed ...

I am "growing up from a new angle" and sharing my views on this issue.

Recently, the listing of ants was stopped urgently, and I also saw some stories of very hot ants.

Ant's predecessor is Alipay, an APP with payment function. Alipay's function is getting stronger and stronger. After having hundreds of millions of customers, it also has a lot of traffic and funds.

This allows ants to see the opportunities and great potential for development. The most difficult thing to do business is customers and funds, which Alipay solves.

Seeing this resource, Ma Yun found Huang, the mayor of Chongqing at that time, hoping to handle two loan companies, namely the later flower garden and borrowing garden.

Ma Yun took out 3 billion yuan, based on his customers and big data security control, and negotiated joint loan business with banks, with a 50-50 split. Equivalent, Ma Yun contributes and the bank pays the bill. In the end, the loan amount of Huayuan and Jiebai reached 300 billion, which is commonly known as 100 times leverage!

This kind of business is considered by banks to be beneficial, safe in customer management, secure in withdrawing funds, and the extra funds are also useful. As for Ma Yun, you can get a high profit return without spending much money!

Ant loan has a huge customer base, many of which are unsecured and unsecured personal loans. From the convenience point of view, it really solves the urgent needs of many people, which is simpler than going to the bank!

However, there is a hidden danger. Once many people borrow money and don't pay it back, it will trigger a large-scale financial storm like the subprime mortgage crisis in the United States, and eventually the society and the country will pay the bill!

As for borrowing money from ants, is it a waste? Of course not, there is nothing so good in the world!

You use flowers, borrow flowers. Under normal circumstances, money is to be returned. The 50-day interest-free quota is only used for small expenses in daily life. A lot is impossible!

Yao Yao Yao Yao Yao Yao Yao Yao Yao Yao Yao Yao Yao Yao Yao Yao

Generally speaking, ants are equal to credit card overdraft. If you spend money, you have to pay it back, or go to the system!

The interest-free period of flower buds is naturally a means to attract customers and give you sweetness!

Do you think there will be a reason to leave?

Nothing for nothing. Ant Group's profit points are concentrated in two small loan companies in Chongqing, saying that he is usurious and does not exceed the national prescribed line. Say no, the interest rate is significantly higher than the bank's interest rate for the same period. At that time, Ma Yun said that Peak Horse was deceptive, and his borrowing and flowers were the same. He fooled people with the daily interest of 4 yuan 10000. Seeing that 4 yuan only earns interest every day, he won't tell you that it is 15%. Ordinary people are not sensitive to financial management, and the rhetoric of letting him spend a few dollars a day is cheated. There is nothing good about these companies engaging in small loans. When fooling people, you can have as much as you want, as if you don't have to pay back the money. The state should control this kind of advertising.

Anyway, the bank's money can't be as easy to borrow as Alipay. At least saved many college students who were short of money at school, many times more than those who borrowed usury in previous years. This kind of merit, which financial and charitable institutions have done. The incident of college students borrowing usury a few years ago was like hell. [praying]

No one will give you money, including your parents. . What banks want is interest, and what parents want is a good life and lifestyle that you learn. . . For example, ask you for money to gamble, to scatter, and to take drugs. Neither parents will give it. This is a good answer to the question. Why should I give it to you for nothing? Do you have the right to get something for nothing? . Social relations grow with each other. Ants lend money to you, money belongs to others, and other people's money must have conditions, that is, interest. . You must arrange different uses from the money you earn. . . Use this. . Think of other people's money as your own. If you spend100000 a year, you should spend100000. Now you can borrow 0.2 million/200 thousand and transfer it. You should still spend100000, because that100000 doesn't belong to you, it can only be an emergency. If you live in 0.2 million/200 thousand, can you still have no pressure? Your ability is100000 yuan. . Starting a business is not whimsical, you must plan it well and have your own funds, otherwise you will spend it if you borrow it casually, but you still have to pay it back.

Ant Group has the following main problems in borrowing:

The first is whether the interest rate is consistent with the national student loan interest rate. Otherwise, there is suspicion of derailment! There is serious exploitation and oppression!

The second is that students lack self-control ability and are easily deceived! There is a danger of taking advantage of others, there is a danger of high-interest extortion, there is a danger of forced prostitution, and people are led to no return!

The third is that the vast majority of students can't tailor their clothes, and spending money greatly exceeds the financial capacity of their families!

Fourth, most students overestimate their earning power in the future and spend in advance. Some families are poor due to illness and may lose their jobs after graduation. What should they do if they owe a lot of money? Malicious cases are prone to occur, such as cheating, robbery and murder, forcing parents, brothers and sisters to death!

Conclusion: There will be endless troubles after the meeting, and you will regret it for life! Therefore, the country should reduce more than 5,000 online loans to only three!