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- For example, why do not you borrow money from relatives and friends? All say a penny hero hero, Xiaobian (aiwanqian360) found that many people nowadays are more willing to choose to do loans, credit cards do not want to borrow money from friends and relatives. And this phenomenon is not uncommon, many of my friends are like this, in the background ...
Banks borrow money is not good, why can borrow money by phone number?
Why some platforms can borrow money on the phone number, I come to the following view!
As it is known to all banks that banks have always borrowed money, banks, as such a big financial institution, need to consider both the benefits of lending and the risks of lending. If you do not have any credit, any mortgage, the bank lending to you is taking a great risk, once the bank bank to give you money, you do not have money back to the bank, the bank, the bank is not Willing to take this risk.
Why do some small loan companies or loan platform is willing to lend you money, so that they are willing to do so for one reason, that is, profit is money. These small loan companies do a risk assessment every year, and every year they make up for the bad debts are predictable, that is, about how much money does not come back each year, they have recognized.
There are a lot of people do not understand, since then, then these small loan companies how to make money? The answer is interest. Such companies generally have higher interest rates than banks, and the liquidated damages are horrifying. Such profits are enough to make up for the money they do not receive every year.
So, to sum up, there is nothing that some platforms can make money with the phone number, the answer is profit. That Alipay by chanting, Pratt & Whitney Bank, particles lending these platforms is it? The answer is in the affirmative. Although Ma speaks of how to make good and bad for people, we must know that not only Alibaba, Taobao and Lynx, but also Alipay's borrowed chanting and Maitou Ma earn pours.
Of course, I have to admit that some platforms are still very conscientious. Interest rates generally range from 0.3% to 0.5%. The next paragraph is fast and the quota is high. If they can not borrow money at banks, they are really good choices.
So everything is inseparable from a "li" word, whether it is a bank or a network of these lending platforms and agencies, when you get money in their hands, do not thank them, because you have already paid interest.
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