Why are platforms like JD.com, Taobao, and 360 all doing finance and trying so hard to lend you money? Do they just want to earn a little interest from you? Well, then you underestimate them.
Now, if you click on any platform, you will find that the amount is as high as hundreds of thousands, the interest rate is low and the account is credited in seconds, and all kinds of tempting information are overwhelming. Behind this, there is a cruel truth that you don’t know at all. Save it first. The content behind is a bit sensitive. First of all, in March this year, the central bank required all loan platforms to mark the annual interest rate of their loan products. Their previous word games were completely exposed. Everyone knew that the annual interest rate of those online loan platforms on the market is as high as 20% or more, and some are even as high as 36%. Even loan sharks are jealous. But if you think they are just trying to make a little interest from you, it only shows that your cognition is still in the thinking of ordinary people. To put it bluntly, the essence of capital has always been to make money first and then make money from money. Then, do you want to ask, where did they get so much money and lend so much money?
There is a financial term called asset securitization, which refers to using the future cash flow generated by the underlying assets as repayment support and credit enhancement through structured design.
The process of asset-backed securities, or ABS, which you have heard of before, is a bit esoteric, right? Let me give you an example so you can understand. Suppose there is a villager named Zhang who specializes in apples and sells them to the neighboring villages. If you want to buy them, it doesn’t matter if you don’t have money. You can choose to borrow from him, but you have to put in a certain amount of effort. For example, if each person borrows five apples, he has to return six apples after a year. If ten people borrow apples from Zhang, can Zhang get back 60 apples after a year? But if that’s the end, Zhang only earns this little interest, that is, ten apples, and he will definitely not be satisfied. Then he found that the villagers’ IOUs themselves have value. He can take these IOUs and go to the landlord, that is, the so-called investor, and say that these IOUs can be exchanged for 60 apples after a year. Now I mortgage it to you, can I get 30 apples in return? If it’s you, are you willing to exchange it with him? Even a fool would be willing to do so. There is no risk and you can earn apples by sitting there. That is, the interest rate is good. Don’t you think this operation is very similar to the down payment for buying a house?
A house worth 1 million yuan can be used as collateral to lend 700,000 yuan to a bank. Do you think the bank is risky? Do you understand something? Let's continue. Secondly, through asset securitization, Lao Wang can lend these 30 apples to people in the village who want to eat apples, and then continue to use the next round of IOUs to borrow more apples, and then it will be a cycle, the third round, the fourth round, the fifth round, and finally the Nth round. But if he only does this, he still hasn't done finance thoroughly, so Lao Zhang wants to continue to expand, so he divides the people who borrow apples from him into three credit levels. Those with good credit are set to level one, those with average credit but have houses in the village are set to level two, and those who may not be sure to return the apples are set to level three.
Then he took these people's IOUs and went to different landlords to borrow apples. In the end, he borrowed the most apples in theory, which maximized his profits. Do you understand what I mean? Can you give me a thumbs up? Do you know? It is hard to imagine how much money real capital has made with such operations. A certain platform once borrowed more than 3 billion yuan in principal. In just a few years, it was magnified more than 40 times in a cycle, and a total of more than 300 billion yuan was put in. Behind this is a leverage of hundreds of times. But this is just the tip of the iceberg of the many ways we know.
Then if we put those people who pay their Apple bills on time and have good credit on a whitelist and recommend them to other platforms, can we earn more information fees? So now you know why you receive those harassing calls every day, right? And where do those platforms get their money from? You should understand a little bit now, right? Although the regulatory authorities have been rectifying the various chaos on various platforms in recent years, people who are unaware of their desires will still be deeply trapped. Here, I sincerely hope that you who see this video can forward it to those who you can help. Let's refuse online loans, work hard, and get ashore as soon as possible, okay? Whether you are a student, an office worker, a startup boss, or even a mother, this year is a good window period. Next year will be the year of Jiachen, and it will also be the year when new opportunities begin. Let's act quickly.
