有没有自动抢红包的软件

一本财经APP

GUANZHUJINRONGKEJICHUANGXINDELILIANG

一本财经微信公众号

JINRONGKEJILINGYUZUIJUYINGXIANGLIXINMEITI。ZHUANZHUJINRONGKEJILINGYUDIAOCHA、SHENDU、YUANCHUANG、DUJIABAODAO,YIJISHANGYEANLIJIEXI。WOMENBUSHENGCHANSUIPIANHUAXINWEN,ZHICHUPINSHENDUERZHUANYEDEBAODAO——GUANZHUJINRONGKEJICHUANGXINDELILIANG。

疫情下的消费金融:迎来现金流大考

2020-02-13
790408
分享到

XIAOFEIJINRONGYOUYICHANGYINGZHANGYAODA。

9602348531091858

YIQINGDANGQIAN,ZHONGGUOYOULIANGCHANGZHANYIYAODA。

一场关乎生命,是人类医学努力与新型冠状病毒的战斗;一场关乎生存,是中国经济与突如其来的疫情冲击的战斗。

2003NIANFEIDIANQIJIAN,ZHONGGUODIERJIDUGDPZENGSUDAFUXIAHUA。FEIDIANJIESHUHOU,GUOJIAFAGAIWEIDEYIFENTONGJIXIANSHI,ZAI“FEIDIAN”QIJIAN,ZHANQUANGUOQIYEZONGLIANGDE99%YISHANGDEZHONGXIAOQIYEDOUCHENGDUBUTONGDIZAOSHOULEDAJI。ERJUYANGSHIBAODAO,ZAIBEIJING:YU2002NIANTONGQIXIANGBI,CANYINYESHOURUXIAJIANGLE60%,XIRANYESHOURUXIAJIANG50%,JINGJIXINGLVDIANSHOURUXIAJIANG70%,XIYUQIYEHEJIAZHENGFUWUGONGSITINGYELVFENBIEDADAO80%HE90%。

ER17NIANHOUDEJINTIAN,QINGKUANGKENENGGENGJIAYANJUN。RUJINZHONGGUOGDPZONGLIANGJIEJINBAIWANYIYUAN,SHI2003NIANFEIDIANSHIQIDE7BEIYISHANG。SHOUYIQINGCHONGJIZUIYANZHONGDESHIFUWUYE,RUJINZHONGGUODISANCHANYEZAIGDPZONGLIANGZHONGZHANBICHAOGUOYIBAN,ERZAI2003NIANZHEIGEBILIHAIBUDAOYIBAN。TONGSHI,JINTIANZHONGGUOJINGJIMIANLINDEGUOJIHUANJINGHESUOCHUDEJINGJIZHOUQIWANQUANBUTONG。2003NIAN,ZHONGGUOGANGGANGJIARUSHIJIEMAOYIZUZHIBUJIU,KESHOUYIYUQUANQIUHUAHONGLI,ERJINTIAN,QUANQIUHUAHONGLIYIZAIDIJIAN;2003NIANZHONGGUOJINGJICHUYUKUAISUGONGYEHUAHECHENGZHENHUADEGAOFENG,ERJINTIAN,ZHONGGUOJINGJIYIJINGLIANXU10NIANZENGSUFANGHUAN,YIJINGGAOBIEGAOZENGZHANG,BINGQIEHENZHANGSHIJIANNEIHUIZAIZHONGDIWEIYUNXING。

CONG2004NIANZHIFUBAODEDANSHENGKAISHISUANQI,XINJINRONGYIJINGCHENGZHANGWEIJINRONGYEBUKEHUSHIDEZHONGYAOZUCHENGBUFEN。SHIJINIANJIAN,JIEZHUHULIANWANGHEKEJIDELILIANG,JINRONGYEXIANSHANGHUACHENGDUYUELAIYUEGAO,BINGQIEJIEZHURENGONGZHINENG、DASHUJU、YUNJISUAN、QUKUAILIANDENGJISHU,JINRONGDEPUHUICHENGDUHEXIAOLVDAFUTISHENG。

ZHANZAIJINRONGYUKEJIDEJIAOHUIDIAN,ZHEIGEXINXINGDECHANYEBUJINZHENGSHENSHENDIYINGXIANGZHEJINRONGYEBENSHEN,YELIANJIEZHEZHONGGUOSHUYIQIANWANJIDEZHONGXIAOQIYE、SHUYIYIJIDEGERENXIAOFEIZHE。

ZAIZHEICHANGTURUQILAIDEYIQINGCHONGJIZHONG,XINJINRONGXINGYEHUIZAOYUZENYANGDETIAOZHAN?TAJIANGRUHEYINGJIETIAOZHAN、NENGFOUBANGZHUGENGDUODEZHONGXIAOQIYESHENZHIGERENDUGUOWEIJI?

零壹财经将推出新金融战“疫”实录,推出我们对一线战“疫”的调研。我们力求以最快的速度传递来自一线的真实信息,帮助大家更准确地判断外界环境,作出更好的决策、得到更多的帮助,携手共渡危机!

CHUPIN | LINGYICAIJING    ZUOZHE | WENQUAN

XIAOFEIXINDAIDEYUQILVZHENGZAIYINYIQINGERHUANMANSHANGSHENG。

“Vintage 30TIANDEYUQILVYIBANSHIZAI2%ZUOYOU,XIANZAIGEBIEJIGOUYIJINGFANBEIDAO4%LE。GENJUXIANZAIDEYIQINGQINGKUANG,YUJI2YUEYUQIHUIZHUBUJIAJU。”YIWEIYENEIRENSHIXIANGLINGYICAIJINGTOULU。

YIJIAQICHEJINRONGGONGSIYUANGONGZEJINGTAN“YUQILVBAOZHALE!”2YUE3RICHUNJIEJIAQIJIESHUZHIHOU,GONGSIMEITIANDOUYOUSHUJUJIANCE,MUQIANKANDAOYUQI3TIANYISHANGDERENSHUZAIBUDUANSHANGSHENG。

2015NIANQI,YOUYUSHICHANGZHUNRUDEFANGKAI,XIAOFEIJINRONGPENGBOFAZHAN,ZHIJINYIYOUYUE10WANYIGUIMO(SHUJULAIYUAN:LINGYIZHIKU)。WUNIANLAI,XIAOFEIJINRONGCONGGAODASHANGDEJINRONGJIGOUZOUJINLEJIETOUXIANGWEI,TAZAIZHONGGUOYINXINGYEDAIKUANYUEZHONGDEZHANBIBUZU1%,DANSHIYOUYUXIAOEFENSANDETEDIAN,SHISHISHANGQUELIANJIEZHE10YIYISHANGDEXIAOFEIZHE。ZHEIGEXINGYELIANJIEZHERENMENDEYISHIZHUXING,ZHENGBUDUANFUGAIJIHUSUOYOUDESHENGHUOCHANGJING。

XINXINGGUANZHUANGBINGDUYIQINGFASHENGHOU,JUDUOJIAYANJIUJIGOUYUCE,SHOUYINGXIANGZUIDADEXINGYEBAOKUOLVYOU、JIUDIAN、JIAOTONG、CANYIN、XIANXIAYULEDENGXINGYE。ZHEIXIEXINGYEDECONGYEZHEYUXIAOFEIJINRONGFUWURENQUNGAODUZHONGHE。

HUAIZHANGZAISHANGSHENG,XINZENGYEWUYAOJINSUO。XIAOFEIJINRONGYOUYICHANGYINGZHANGYAODA。

下沉人群逾期可能大幅上升

2YUE5RI,XUDUOGONGSIZAIXIANFUGONGDEDISANTIAN,ZAIYINXINGYEYOUSHIDUONIANFENGKONGJINGYANDEWUJI(HUAMING)ZAIZHIHU(yuxi0929)SHANGGENGXINLEZIJIDUIZUIXINFENGKONGXINGSHIDEPANDUAN。ZAIFUGONGZHIQIAN,JIUYIJINGBUDUANYOUYENEIDEPENGYOULAIZIXUNRUHEYINGDUIJIEHOUDEFENGKONGYALI。

“GEGEXINGYEXIANXIASHITIDIANDOUSHOUYINGXIANGHENDA,BIRUWANGYUECHESIJI、LINGSHOUFUWUXINGYEYUANGONGDENGSHOUYINGXIANGDOUBUXIAO,SUOYIDUISHIJILILVZAI24%YISHANGKEQUN、BENSHENHAIKUANNENGLIJIAORUODEKEQUN,ZUIJINHAIKUANYALIZENGDA,YUQISHANGSHENG。CONGERDAOZHIYUANYOUCELVE、MOXINGXUZHONGJIAN。”TAYUCE。

TAGAOSULINGYICAIJING,ZHEICISHOUYINGXIANGZUIDADERENQUNHEXIAOFEIJINRONGDEZHUYAOYONGHUQUNTIGAODUZHONGHE。TAJULI,BIRUCANYIN、KTVDENGDENG,QIZHONGJIUDIANHELVYOUXINGYEYOUQIYANZHONG。ZAIGEPINGTAISHANGJIEKUANDE,ZHEIXIEXINGYEDECONGYEZHEFEICHANGDUO。“YUEXIACHENDERENQUNSHOUYINGXIANGYUEDA。”TAYUCE。

ZAIXIAOFEIJINRONGLINGYUYOUYIGEJINZITA:ANZHAOFUWUKEHUYOUZHICHENGDU,WEIYUJINZITAJIANDESHIYINXINGXINYONGKA,YIXIAYICIWEITOUBUDIANSHANGPINGTAI、XIAOFEIJINRONGGONGSIHEBUFENJINRONGKEJIGONGSI、BUFENJINRONGKEJIGONGSIHEHULIANWANGGONGSI。WEIYUJINZITADIDEBUFENJINRONGKEJIGONGSIHEHULIANWANGGONGSIJIKEHUDEDAIKUANLILVZAI24%YISHANG。

 TU1:XIAOFEIJINRONGXINGYEZHUTIJILILVDINGJIA

6861696041362093

ZILIAOLAIYUAN:LINGYIZHIKU

“ZHEIBUFENRENQUNSHOURUJIAODI,BENLAIJIUSHIBUDEYICAIJIEQIANDE,RUGUOSHOUYIQINGYINGXIANGDAOZHISHIYE,HENKENENGZANSHIHAIBULEQIAN。”WUJIBIAOSHI,“YUCIXIANGDUI,WEIYUJINZITAJIANDEXINYONGKARENQUNSHIBIJIAOWENDINGDE,YINWEIZHEIBUFENRENQUNZHONGBAOKUOJIAOSHI、GONGWUYUAN、BAILINGDENG,GONGZUOJIAOWEIWENDING,SHOUYIQINGYINGXIANGXIANGDUIJIAOXIAO。”

BUGUO,YIJIATOUBUHULIANWANGJINRONGGONGSINEIBURENSHIZEXIANGLINGYICAIJINGBIAOSHI,XIANZAIYIQINGDUIXIAOFEIJINRONGDEYINGXIANGCHENGDUYOUDUODA,HAIBUHAOSHUO,HAIXUYAOSHIJIANLAIGUANCHA。MUQIANDEYUQILVSHUZIYOUSUOSHANGSHENG,DANSHIHAIZAIKEJIESHOUDEFANWEINEI。TAJIESHI,YINWEIBENLAIHONGGUANJINGJIZENGSUSHIZAIFANGHUANDE,BUNENGNAJINNIANDESHUZIHEQUNIANXIANGBI,TONGSHIMUQIANDADUOSHUGONGSIMEIYOUWANQUANFUGONG,JIEJIARIQIJIANDEYUQILVBENLAIYEYAOGAOYIXIE。KAOLVYISHANGLIANGGEYINSU,SHIJIQINGKUANGKENENGBINGBUXIANGDAJIAXIANGXIANGZHONGDENEIYANGYANZHONG,HOUXUHAIXUYAOMIQIEGUANZHUSHUJUZOUSHI。

“ZHEIGESHIHOUBUNENGDIGUWEILAIFENGXIAN,DANSHIYEBUNENGTUOLISHIJIYIWEIKUADA。”TABIAOSHI。

线下消费金融情况严峻

BENLAISHI2YUE10RIFUGONG,DANSHIYIJIAQICHEJINRONGGONGSIYUANGONGGAOSULINGYICAIJING,FUGONGQIANYITIANJIEDAOGONGSITONGZHI,ZANHUANFUGONG,JUTISHIJIANDENGTONGZHI。

ZHEIZEZANHUANFUGONGDETONGZHIBEIHOU,SHIQICHEXINGYEMIANLINDEJUDACHONGJI。CHUNJIEJIAQIGANGGUO,ZHONGGUOQICHELIUTONGXIEHUIJIUXIANGZHONGGUOYINXINGBAOXIANJIANDUGUANLIWEIYUANHUI、SHANGWUBUDENGXIANGGUANZHENGFUZHUGUANBUMENZHENGSHIDIJIAOLE《GUANYUZAIYIQINGFANGKONGQIJIANDUIQICHELIUTONGXINGYEJINGXIAOSHANGTIGONGJINRONGFUWUZHICHIDEJINJIBAOGAO》,QIZHONGTIDAO,QICHEXIAOSHOU、ZULINJISHOUHOUFUWUYEWUCHENGXIANDUANYASHIXIADIE,JINGXIAOSHANGJINGYINGHUIKUANCHUXIANDUANLIU,QIYEMIANLINLVYUEKUNNAN,QUANXINGYEDEDUANQILIUDONGXINGCHONGJIJIDA。

QICHEJINRONGYEWUMUQIANFAZHANDEZHONGDIANQUYUYUJINGJIFADACHENGDUGAODUXIANGGUAN,ERCICIYIQINGWEIXIANXISHUJIAOGAODECHENGSHIQIAQIASHIYIXIEJINGJIJIAOFADADECHENGSHIQUN,YIWUHANWEIZHONGXINDEHUAZHONGDIQU、YIJIBEISHANGGUANGSHENDENGYIXIANCHENGSHISUOZAIDEQUYUDOUSHIQICHEJINRONGDEZHONGDIANQUYU。

TU2:XIAOFEIJINRONGGONGSIDIANXINGQUDAOMOSHI

1636627257652965

ZILIAOLAIYUAN:LINGYIZHIKU

2YUE11RI,YIJIAWEIYUSHENZHENDECHEDAIPINGTAI“RENRENJUCAI”FABUGONGGAOCHENG:“JIEZHI1YUEDI,YUQIQINGKUANGJIAOTONGQIGAOCHUSANSIBEI,YANZHONGYINGXIANGGONGSIHUIKUAN。”

QICHEJINRONGZAOYUDEQINGKUANG,SHIXIANXIAXIAOFEIJINRONGZAOYUDEYIGEDIANXING。SHIJISHANG,SHEJIXIANXIADEXIAOFEIJINRONGSHOUYINGXIANGDOUBUXIAO。GENJUGUOJIATONGJIJUGONGBUDESHUZI,ZHONGGUO2019NIANWANGSHANGLINGSHOUEZHANSHEHUIXIAOFEIPINLINGSHOUZONGEBILIJINWEI25.8%,DADUOSHUDEXIAOFEIHAISHIZAIXIANXIA。ZHEIHAIMEIYOUJIRUXIANXIADEFUWU,BIRUJINJINIANFEISUFAZHANDEYIMEIXINGYE。

MUQIANDECHIPAIXIAOFEIJINRONGGONGSIDANGZHONG,JULINGYIZHIKUSHULI,DADUOSHUDOUYIJINGYOUXIANSHANGYEWU,ZHIYOUJIWEISHAOSHUDEGONGSISHANGWUXIANSHANGYEWU。BUGUOYINXINGDEXINYONGKAYEWU,XIANXIASHUAKAXIAOFEIRENGSHIDATOU。

可能有公司会倒下

CIQIAN,BUSHAOYANJIUJIGOUYUCE,CICIYIQINGDUIJINGJIDEYINGXIANGKENENGZAIYIGEJIDUDAOLIANGGEJIDU。ZHEIDUANSHIJIANDEYEWULIANGXIAJIANG、FENGXIANSHANGSHENG,DUIBAOHANXIAOFEIJINRONGYEWUDEGONGSIERYAN,HUIZAOCHENGSHOURUJIANSHAO、HUAIZHANGZENGDUO,ZAOYU“LIANGTOUJI”DEQINGKUANG。ZHEIGEQINGKUANGHUIDUOYANZHONG?

2YUE1RI,YIPIANXIBEICANYINJITUANDONGSHIZHANGJIAGUOLONGDEZHUANFANGWENZHANGYIYESHUAPING,YINQIGUANGFANGONGMING。WENZHONGTIDAO,SHOUYIQINGYINGXIANG,XIBEI400JIAXIANXIAMENDIANJIBENTINGYE,ZHIBAOLIU100DUOJIAWAIMAIYEWU,YUJICHUNJIEQIANHOUYIGEYUESUNSHIYINGSHOU7-8YIYUAN,TONGSHI2WANDUOMINGYUANGONGYIGEYUEZHICHUJIUZAI1.5YIZUOYOU,RUOYIQINGWUFAYOUXIAOKONGZHI,QIYEZHANGSHANGXIANJINLIUCHENGBUGUO3GEYUE。

NEIME,ZHEIGEWENTIDAOLEXIAOFEIJINRONGLINGYUHUIRUHE?YIWEIZISHENYENEIRENSHIXIANGLINGYICAIJINGTANYAN,BUPAICHUYOUGONGSIHUIZAIZHEICIYIQINGZHONGDAOXIA。

“XIAOFEIJINRONGLINGYUSHIJIELIANZAOSHOUZHONGJIDE。”GAIRENSHIZHICHU。DIYIGEZHONGJI,SHI2018NIANYILAIP2PXINGYEBAOLEICHAO,ZHEIBEIHOUSHEJIDAOZHUDUOXIAOFEIJINRONGYEWU。DIERGEZHONGJI,SHI2019NIANXIABANNIANDASHUJUFENGKONG、CUISHOUDENGXINGYEDEZHENGZHIFENGCHAO。

“YAOSHIGANZAIDAHUANJINGFENGPINGLANGJINGDESHIHOUHAIHAO,DANSHIZAIZAOYUZHEIYILIANCHUANSHIJIANZHIHOU,YOUGANSHANGYIQING,ZHEIGEQINGKUANGJIUZHENBUHAOSHUOLE。”GAIRENSHIBIAOSHI,XIAOFEIJINRONGGONGSIYIFANGMIANLIANJIEZHEZIJINFANG,LINGYIFANGMIANLIANJIEZHEPUTONGYONGHU,XIANJINLIUBIJIAOJINDEGONGSI,RUGUOFENGKONGSHAOYOUCHACHI,JIYOUKENENGXIANJINLIUDUANDIAO。RUGUOZHENYOUZHEIZHONGQINGKUANGFASHENG,JIYOUKENENGCHANSHENGLIANSUOFANYING,YINWEIHENDUOXIAOFEIJINRONGYEWUZUIZHONGDEZIJINLAIYUANDOUSHIYINXING,HAIYOUYIXIESHIFAXINGLEABS,RUGUOZHENYOUXIAOFEIJINRONGGONGSIDAOXIA,XIANGGUANJIGOUHECHANPINHUISHOUDAOLIANDAIYINGXIANG。BUGUO,MUQIAN,TARENWEIHAIMEIYOUJIXIANGBIAOMINGQINGKUANGYOUZHEIMEYANZHONG。

JULINGYICAIJINGLEJIE,XUDUOXIAOFEIJINRONGGONGSIXIANZAIDOUZAIDIAOZHENGFENGKONGCELVE,ZONGDEMUBIAOJIUYIGE——SHOUJIN。BUSHAOGONGSIYIJINGTINGZHIXIANGXINZENGKEHUFANGDAI,YINWEINANYIPANDUANXINKEHUDEXINYONG。“XIANGZHEICIYIQINGZHEIMEDAMIANJIDEYINGXIANG,YIQIANWOMENMEIYOUYUDAOGUO,CELVEDEDIAOZHENGYESHIMOSUOZHELAI,MEIYOUQIANRENJINGYANKEYICANKAO。”TAZUIHOUBIAOSHI。

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