Winning the new financial era

Chapter 299 Cash Out Intermediary
"Today, a video titled "Elementary school student shivering at home watching mother bathing is broadcast live" was widely spread on the Internet.

After verification, the video was posted by a user at 216:[-] last night, and there was an accidental leak in the distance of the video. The video was taken offline at [-]:[-], with [-] views, and it was not a live broadcast.

This morning, the video was suddenly widely disseminated on the Internet, and it was played 89 times on Qiandu mobile phone alone. It was obviously promoted maliciously.

This behavior not only seriously violated the user's privacy, but also caused great harm to the family involved.

Next, Douvision will further improve the content review mechanism.Users are also urged to report any prohibited content while watching the video.

At the same time, we also call on all friends and merchants to let commercial competition return to product quality and not to harm ordinary users. "

Douvision published this announcement through Weibo and several other websites.

The voice of Douvision is a qualitative statement on this matter: the video is misrepresented by children, and friends and businessmen are viciously competing.

Many users spontaneously discussed on the Internet, guessing who is behind the scenes.

Some are said to be from Xiaokaxiu, others are said to be from headline videos, and most of them are from Kuaishou.

Because in terms of the number of users, Vibrato is the biggest threat to Kuaishou.

Su Hua, the CEO of Kuaishou, directly expressed his voice on Weibo: Kuaishou doesn't bother to do this kind of thing, and hopes that some friends and merchants will make a good content review mechanism by themselves, so as not to discredit the entire industry.

As soon as Kuaishou spoke up, short video platforms such as Toutiao Video and Xiaokaxiu also followed suit, claiming that it had nothing to do with him and that he was innocent.

Strange to say, after the bathing door incident occurred, the number of Douvision users not only did not drop, but ushered in a wave of upsurge.

The background technology calls out the newly registered users for analysis, and finds that 80% of them are male users...

Doushi was a blessing in disguise, attracting a large number of gentlemen who came to visit.

In addition, the Beijing Internet Information Office interviewed DouTV with relevant departments and asked DouTV to do a good job of content review, so that such incidents as showering doors should not happen again.

The leader said so, so Zhang Lan had no choice but to agree.But whether such things will happen in the future, she is also a little uncertain.

After all, the current AI video recognition technology is immature and can only rely on manual review. Humans are not robots, and some negligence is inevitable.

Zhang Lan had no other way, but could only follow Zhang Yida's suggestion to add more manpower to the content review team.

……

"Mr. Zhang, there are users cashing out our usage, and the amount adds up to quite a lot."

Hong Haibo from the consumer finance and wealth management business group walked into Zhang Yida's office to report.

"Cash out? How did you cash out?" Zhang Yida asked curiously.

Yongbai is the credit consumption limit granted by Ruixiang Credit to users, similar to Huabei.

In addition to several Internet companies under Zhang Yida, such as Pinduoduo and Pete.com, there are only offline stores that Mobao Pay cooperates with.

"In offline stores, offline store owners who have been authorized by Yongbei colluded with users to turn the consumption quota of Yongbei into cash."

When Zhang Yida heard it, this was a difficult problem for the industry!
Compared with cash loans without designated purposes, the bad debt rate of loans with obvious usage scenarios such as Daibei is more controllable.

Two companies like Miaofenqi and Lefenqi invested by Zhang Yida are engaged in consumer installment shopping malls. Users purchase goods in installments and then repay the loan on time every month.

The same is true for medical beauty installments and education installments, all of which have clear usage scenarios.

But some users like to take advantage of loopholes and turn these consumption quotas into cash.

Of course, turning into cash requires the cooperation of relevant people, such as the offline store owners that Mobao Pay cooperates with.

For this kind of realization, the store owner will definitely charge a handling fee, for example, if you realize 1000 yuan, you will be charged ten yuan or 20 yuan.

The rate is not fixed, it all depends on how the user negotiates with the boss.

Zhang Yida doesn't care about these things, what he cares about is the bad debt rate, he asked Hong Haibo: "After these users have cashed out the quota, do they repay the loan on time every month?"

"Most of them are repaid on time, and only a small group of users have seen an increase in the overdue rate."

Hong Haibo sighed, "This kind of users don't even need to think about it, they even start to cash out after using it. Either the consumption in advance is too exaggerated, or the income is extremely unstable."

Hong Haibo continued: "This year, we have accelerated the pace of credit granting, and the risk control has been slightly relaxed.

It is estimated that by the end of the year, the total credit users may exceed 4000 million, and the total credit line will exceed 1200 billion yuan. "

"While letting go of credit granting, we must also pay attention to good risk control." Zhang Yida reminded, "We can't just blindly pursue scale, but also pay attention to healthy development."

Hong Haibo nodded yes, and said: "At present, the amount we give to users who have just obtained credit is not high, only 2000 yuan.

The reason for giving such a low amount is to observe this group of people. If they have a strong performance ability, then they will be given a higher amount in the future, and the borrowing rate will be lowered at the same time;

If the performance ability is not good, we will reduce the credit line and reduce their mung bean credit score. "

Zhang Yida thought for a while, and said, "There is no one-size-fits-all approach. If users who have cashed out repay their loans on time, they should turn a blind eye.

After all, anyone can run into something urgent.Banks are not letting credit card users cash out.

For users who often overdue after cashing out, punishments such as freezing the quota or reducing the quota will be imposed depending on the severity of the circumstances.

For users who have been overdue for a long time after cashing out, all credit lines will be withdrawn, the Mung Bean credit score will be lowered, and the overdue data will be reported to the central bank for credit investigation. "

"By the way, there are also merchants. I almost forgot about them."

Zhang Yida thought for a while and said, "In this way, merchants who often cash out users should give them some warnings. For example, turn off the payment function of "Yongbai" for them, and they can only pay with balance or bank card."

Hong Haibo nodded, "Yes, we must control it. Otherwise, they will be too rampant, and I'm afraid it will not be good if a large number of users imitate them."

……

Guangdong Province.

University of Foreign Studies.

Li Hongyu and several followers were eating, when suddenly a follower shouted, "Brother Yu, brother Yu, look in the group, there is business."

"What's the name of the ghost? You can't even eat a meal."

Li Hongyu put down his chopsticks, took out his mobile phone from his pocket, and clicked on a WeChat group called "Happy TX Everyday".

Someone in the group was asking: 3000 yuan for investment in Ronghui, and 5000 yuan for Beihuabei. I need to cash out urgently. Is there any elder brother who can help?

Other group friends replied: Are you new here?You can't cash out, just chat with the group owner or "group customer service" privately.

Li Hongyu is the group leader of this group, and he replied: "8000 quota, 5 point handling fee, if you want to cash out, you can do it immediately, and it will be done in [-] minutes!"

The man hesitated for a long time before replying in the group: It's too expensive!There are only three or five points for others.

Li Hongyu replied: Our studio operates with integrity, and children are not deceived.If you don't believe me, ask the people in the group.

Others in the group also chimed in:
"Yes! Boss Li is cashing out here. Don't worry about losing your principal. You are very honest."

"Don't go outside to find other black intermediaries, you will be dumbfounded if you don't give you money if you cash out!"

"It's expensive, but the quality of service can keep up!"

The person who wanted to cash out hesitated for a moment, and typed: "Okay, I'll try with the 3000 yuan first."

Li Hongyu sighed, "It's so boring! It's all scumbag money!"

"A Biao!"

Li Hongyu called the follower who called him just now.

A Biao asked, "Brother Yu, what's the matter?"

"You give that person in the group a trick."

A Biao said with a bitter face, "Brother Yu, why is it me again?"

"You will get 10% of the money earned from this order."

As soon as Li Hongyu said this, several other followers rushed to take over the job.

Of course A Biao quit. How could someone else do what he could earn with just 80 yuan by moving his fingers.

"Brother Yu, whose code do you use?"

A Biao added the WeChat account of the client in the group and was chatting privately with him.

"Use Uncle Ju's!"

A Biao let out a "Oh", and found Uncle Ju's from a large number of QR codes stored in the phone's photo album, sent it to the customer who cashed out, and typed: "Scan the code to pay. After receiving the transfer, we will send you You pay back."

After a while, the customer sent A Biao a screenshot of the successful payment.

A Biao said to Li Hongyu: "Brother Yu, the customer said the payment was successful, you can ask Uncle Ju to transfer the money!"

Li Hongyu is no longer lazy, this step must be done by himself.Because this link is very important, it cannot be handed over to the younger brother.

Li Hongyu opened the phone's address book, entered the three words "Beng Yaju", and soon the phone number came out.

After dialing Beng Yaju's number, Li Hongyu smiled and said, "Uncle Ju! Are you still at the pork shop today?
hey-hey!Someone paid 3000 yuan just now, did you see if you received it?
Got it?
Okay, it's still the old rule, you just leave a point, and just transfer me to 2970 on WeChat.

No need, Uncle Ju, you can save the 30 yuan to buy a pack of cigarettes, and treat you as my nephew. "

After hanging up the phone, Li Hongyu looked at the 2970 yuan that Uncle Ju just transferred from WeChat, transferred 2730 yuan to A Biao, and said:

"You transfer 2700 to the customer, and 30 yuan is a commission!"

A Biao confirmed the receipt of the payment, and went happily to return the payment to the customer.

The customer received a transfer of 2700 yuan. Compared with the payment of 3000 yuan, this transaction was eaten up by 10% of the handling fee.

The customer is not dissatisfied, but thinks that he has found the right person, because his "principal" has not been blackmailed.

Then the customer asked to pay Bei's 5000 yuan amount in cash.

A Biao asked Li Hongyu again: "Brother Yu, whose code is used for payment?"

"Use Auntie Pearl's!"

Li Hongyu silently lit a cigarette, watching A Biao happily cashing out the money for the client.

Hey, Li Hongyu feels that money is too difficult to earn now.

He still kind of misses the good old days when Mobao Pay was vigorously promoting it. Relying on his uncle who managed the farmer's market, he made a lot of money.

After promoting my uncle's farmer's market, my uncle introduced him to the person in charge of other regional farmers' markets.

In this way, under the introduction of his uncle, Li Hongyu gave gifts and invited him to dinner, and won more than a dozen farmers' markets in Yangcheng.

Li Hongyu is in charge of friendship, and his younger brother and follower are in charge of promotion.

Soon, Li Hongyu promoted more than 3000 merchants, and won a commission of nearly 70 yuan from the local promotion alliance of colleges and universities.

After deducting gifts and commissions sent to younger brothers, he earned nearly 50 yuan.

However, with the gradual saturation of the mobile payment market, his plans to make a fortune have been greatly affected.

Fortunately, he found another way to make money by cashing out.

However, this business is a little unstable. Sometimes there are several customers a day, and I can earn thousands of dollars.

Sometimes it will be zero all day. After all, customers who need to cash out are not encountered every day.

Li Hongyu was thinking, do I have to post advertisements in the restrooms of nearby restaurants, Internet cafes, and teahouses?

It is estimated that the previous advertisements have been cleaned up, no wonder there are so few customers in recent days.

"A Biao, later, go to the toilet where the advertisement was posted before, and see if the advertisement is still there?"

A Biao made a bitter face, "Brother Yu, let's post it in another place, the toilet is too smelly!"

"You know what a fart! These places are the best! You go around, I will take you to pinch your feet later!"

(End of this chapter)