It is said that excessive borrowing is not good. Why do all apps have loan business now?

Where there is demand, there is a market! You know, these loan businesses are also businesses! But there is a phenomenon that everyone has discovered. Why do young people need loans? Few middle-aged people? This is related to their usual living habits! Young people don't earn much money now. They must eat well and dress well. The money they earn is not even enough for basic living expenses. They also have to buy a car. If the family conditions are good, the family can ask for it. If the family condition is not good, you can only borrow it. However, it is uncomfortable for classmates and colleagues to borrow from each other. They only have the idea of getting a credit card and borrowing it, but they can't afford to do anything. Phased! This makes these cards profitable. Of course, I have no objection to these cards. Actually, I use them myself, but I will never give them money. I carefully returned them all two days before the repayment date. I usually live within my means. I still like these cards. I was hospitalized with a heart attack last year, so I used them to deal with hospitalization expenses first and avoided borrowing money from private people. But after I leave the hospital, I will pay back the money in the order of payment. Never [yi tooth] in stages, so some things need to look at both sides of things. I can also use these cards to lay eggs and earn your money. Now I will tell young people my personal experience, and you can learn from me. Don't be a loser. Don't be bound by these cards at a young age. I believe you can do it without debt, can't you?

At present, the real economy has a low rate of return, but finance is very profitable. Banks can make money at low interest rates, not to mention online loans. Most of their interest rates are above 24%, so this industry is very profitable.

Zhou once said, don't make vulgar money such as online loans and games, but? I didn't hit my face myself, but what about hitting my face? At least I got the benefit.

Luo Yonghao, the boss of Hammer Technology, also said that he had become a nuisance. . . . . .

Now, whether you live a life you hate or earn vulgar money, you are a winner in reality. . . . . .

This question is really stinging! It's like asking, "It is said that smoking is harmful to health. Why are there smoking hotels all over the street? "

Two words answer you "profit-seeking".

I have worked in different fields of the financial industry for many years, and have dealt with many companies such as banks, insurance, securities, spot and pawn. I found that the financial industry is the place where the ugliness of human nature is most exposed. If you want to see through a person and pay him money, you will see everything clearly! Of course, if you are willing to pay the tuition!

The essence of finance is service. And there are different services. That's really watching people eat food. If you have no money, don't worry, the bank really won't ignore you, it will only squeeze you harder and earn high profits.

Why are there so many loan apps now? Because the collapse of enterprises began with lending ... Have you found that the development paths of head enterprises and monopoly enterprises in major industries in China are surprisingly consistent:

When he accumulated the first bucket of gold, no matter what he started from, Haier, Xiaomi, Sina, Baidu, Ali, Tencent, JD.COM, Meituan, Ctrip, Didi, SF, and even China Telecom and China Unicom, whether it is electrical appliances or selling mobile phones, e-commerce or express delivery, social platforms or portals. ...

Without exception, capital is lending together!

This bad example directly brought out that thousands of online lending companies, such as crucian carp, crossed the river and took the stage to grab cakes. It doesn't matter that they don't even have the first bucket of gold. Capital pays the bill! Circle lenders! Engage in P2P!

Remember your political teacher's class? Marx said in Das Kapital:

Financial service capital is to eat the "human blood steamed bread" of the broad masses of the people! Fortunately, the country shot in time! P2P platforms are all gone! The online lending platform comprehensively regulates governance. At the beginning of the year, the People's Daily commented that the giants of Internet finance got together to sell vegetables, engage in community group buying and grab the rice bowls of small vendors, which is already very straightforward:

At the beginning of the year, the state also stopped Ali's listing in time and talked about Ma Yun on monopoly issues. This is an obvious signal! If these rich big enterprises grab a lot of wealth from the people, forget the public morality and universal heart, have no sense of social responsibility, do not contribute to social progress, and only think about how to make money easier, then he will not be far from being cleaned up!

Money is the best commodity. Whether you like it or not, you can't live without it. This is the most stable income, and the yield is not low. These companies will do it even if they wipe the ball. No matter how fine they are, they will not be fined all their income.

As we all know, the financial industry is a profiteering industry. However, affected by the epidemic, the financial industry has increased instead of falling, and online loans have also appeared frequently. Now, no matter Meituan APP, Baidu APP and Tencent APP, there are loan entrances. Why is this?

There are three reasons:

1, profitability: what you think is a simple window. First, the loan company needs to pay thousands of advertising fees to the APP platform, and the second platform will also charge you a profit share. Take Meituan as an example. The profit share of the settled merchants is 10%-30%, which is so much for a big platform. It is conceivable how much the small platform pays to earn for the big platform. Finally,

2. Scale: It needs a bank loan of 50,000 yuan, so what short-term turnover do these troublesome people with less than 50,000 yuan want to do?

Have you found that the financial loan industry has never had a formed company or a large-scale operation, so some small loan companies have begun to make up their minds for this group of people below 50 thousand. One is the state's suppression of internet finance, and the other is that internet finance is purely in many drawbacks and routines. And some small enterprises or companies have to find a big tree if they want to compete in front of major banks. As the saying goes, relying on big trees to enjoy the cool, major industry apps frequently appear loan entrances.

3. Why do you say that? Take Ping An Pratt & Whitney as an example. I believe many people think that Ping An Pratt & Whitney belongs to Ping An Bank. Actually, it is not. He is the most direct example. If you borrow from Ping An Pratt & Whitney, print a credit report and take a closer look. The creditor is not Ping An Pratt & Whitney or Ping An Bank, but a local bank. They all know that loans are profiteering, and some companies don't want to pay for the risks themselves, so they come up with a trick.

This is the most profitable. I suggest you read das Kapital.

Free choice!

Rational consumption, correct financial management and happy life.

Borrowing too much is definitely not good. There is a limit to everything, and borrowing too much is definitely not good. Even if you want to eat every day, you will hang up if you eat too much.

Now some well-known APP softwares have opened loan business. Since it is legal and formal, it is open to those in need. When people in need see it, they will choose to borrow money, which is mutually beneficial to the platform. Both sides are free to choose, and they will not force everyone to borrow, nor will they force people who don't need to borrow.

It's like selling something. Merchants sell goods. If there is demand, you can buy it. If there is no demand, look at them. You are free to choose. No problem.

Moreover, those apps are developed to make money, otherwise it is impossible to do it for nothing. On the one hand, they earn income by advertising, on the other hand, they earn interest by loan business, which is formal and legal.

Secondly, although those APP softwares start loan business without hindering the normal experience, their functions can be used normally, so there is no need to make a fuss.

Make money! Banks also need to make money.

Excessive cognition is not good for individuals, but it is profitable for enterprises.

For individuals, if they have enough spending power to use credit cards or other loans, the purpose is to improve the efficiency of the use of funds, or to deal with emergencies when the turnover is not working occasionally. That's totally fine. This is the concrete practice of excellent financial management concept.

But if you don't have the corresponding spending power and can't repay the borrowed money, then you have to bear huge interest. According to the credit card, the daily compound interest is 0.5%, so the annual interest rate for 365 days should reach 18%. What is this concept? Warren Buffett's return rate is around 20%. You don't have the ability to make money, but spending money is leverage.

If you suddenly wake up, it is nothing more than buying a lesson, but if you insist on robbing Peter to pay Paul and force consumption, then more 10% interest is waiting for you, and the final result can be imagined.

For businesses, borrowing money is definitely good for you. The first is to enhance user stickiness. You can only use a treasure. If you are used to going to a certain east, you don't want to drive a certain east. Secondly, to promote consumption, you think you don't have enough money, but someone lends you money in stages, so you buy what you didn't buy originally. Earn interest again, such a good rate of return, the stock god can only sigh.

For individuals, we must stay awake, not by how much money you can control, but by how much money you actually have, what your income is, and your consumption is lower than your salary. Don't borrow money indiscriminately, for one thing, it's unsafe, and for another, you may forget to pay it back on time if you use it carelessly. In addition to interest, it may even affect your credit information.

Income and expenditure can make your life sustainable.

Online lending has developed rapidly in recent years. Although the P2P platform has been cleaned up by the end of 2020, there are still many lending platforms relying on financial institutions, which not only facilitates public lending, but also increases the debt burden of consumers, resulting in excessive debt.

By the end of 2020, the national per capita debt has reached 6.5438+0.3 million yuan, which is a sign of excessive debt.

1) the impact of excessive debt on society is mainly reflected in the degradation of public funds consumption, which leads to the loss of vitality in the market, and usury and violent collection lead to the instability of the financial system and society.

2) The impact on individuals is mainly reflected in the following aspects: under the pressure of debt, I lost my motivation to innovate because I was busy coping with the debt burden; Overdue debts affect normal production and life.

In short, excessive debt will have a negative impact on the public and society at any time. Compared with people with excessive debt burden, people are more willing to be "light and debt-free"

1) In the traditional lending field, consumers directly apply for loans from licensed financial institutions, but the procedures and thresholds are relatively high, and Internet loans are more competitive because of their convenience.

2) The average interest rate of online loans is much higher than that of banks. Even though there may be the possibility of high NPL ratio and bad debts, this high spread can cover risks.

3) In the era of traffic economy, Internet platforms often have a strong customer base and can provide drainage services for financial institutions. In the case of no investment or only a small amount of funds (Internet platforms generally only do drainage, and most of the investment institutions are banks, trusts and small loan companies), they get high handling fees or commissions.