For those large Internet companies with abundant cash flow (recharging the cash deposited by flowing water), how to use the huge amount of money in their hands is really a huge headache.
First, usually these companies have no right to open banks, or opening banks will cause too much concern that they find unbearable;
Second, these companies hope to use cash to make profits, fill the holes in other loss-making businesses, or make profitable financial statements more beautiful.
As it happens, our? Microfinance company? The control policy is relatively loose, and the threshold for setting up is much lower than that of banks.
As the next best thing, there is no choice. Microfinance company? To some extent, it meets the needs of many large Internet companies [to manage cash efficiently and make it more effective].
The legal person behind the various loan services launched by our major Internet companies is usually the company they specially registered. Microfinance company? .
Microfinance company? The original intention of the policy and the positioning of such legal persons only consider that they serve a few people and issue small-scale loans? Microfinance? ; But Internet companies generally have a huge user base, so these are all run by Internet companies? Microfinance company? Has actually become a large-scale and diversified service for users? The bank? .
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The situation of the whole industry is like this: as long as an internet platform has a huge user base, it will usually precipitate considerable cash flow; And in order to maximize the value of these funds, will the platform seek operation? A loan? This kind of primary financial business; From the user's point of view, this kind of financial service provided by the platform will undoubtedly be welcomed.
Because since users have shifted a large proportion of their life focus from physical stores to the Internet, these users will naturally have a demand for Internet finance: in the initial stage, it is manifested in payment and transfer; In the later stage, it is manifested as consumption and consumer loans; In the future, it will be manifested as investment loans for production activities.