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。

借贷宝,依旧很有“野心”

2020-11-11
67933
分享到

RUGUOYAOZHANGYEWUSHENTOULVDADAO1%,KEQINGSONGHUOSHANGYISHOURU。

作者 | 古月龙天

“CHENNIANJIUZHANGNANCHULI?”……

BUDEBUSHUO,RUJINDEJIEDAIBAO,HAISHICENGJINGNEIGE“SHURENJIEQIAN”,DANTAZUIJINFASHENGLEYISISIGAIBIAN。

JINQI,XINLIUCAIJINGFAXIAN,JIEDAIBAORENGZAIWEIRAO“SHURENJIEQIAN”JIXUZUOYEWUSHENGENG,ZAIAPPZHONGXINJIARULE“LIJIUZHANG”DEYEWUGONGNENG,QIERULEDAIHOUFUWUSHICHANG。

JIEDAIBAOSHIHUJINPINGTAILIZUIZAOCHENGGONGDEYIPIDAIBIAO,ZUIFENGGUANGDESHIQI,DUANDUAN1NIANQIANGSHIFUHUOCHAOGUO1.28YIYONGHU,LEIJIWANCHENGJIAOYIE800YIYUAN,GUZHIYEDADAOLE500YIYUANDELIANGJI。DANZUIJINJINIAN,JIEDAIBAODESHENYINGYUELAIYUEDIDIAO。

JIEDAIBAOZHEICISHANGXIANDEXINYEWUFEICHANGYOUQU。TONGGUOLIJIUZHANG,YONGHUKEYIBAWEIJIEQINGZHAIWUYI“JIZHANG”DEFANGSHILURUDAOJIEDAIBAOSHANG,ZAITONGGUO“YAOZHANG”GONGNENGWEITUOJIEDAIBAOYUYIYIZHANSHICUISHOUJIFALVFUWU。

1

JIEDAIBAOAPPXIANSHI,YAOZHANGDUANCUIFUWUFEI38YUAN/CI;ZHANGCUIFUWUFEI238YUAN;FALVYIJIANSHU68MEIFEN;30FENZHONGDEFALVZIXUNFUWU138YUAN/CI。ZHIDEZHUYIDESHI,QITIGONGDEDUANCUIJIZHANGCUIFUWUFEI,BINGMEIYOUTUIFEIGONGNENG,CHENGGONGGOUMAIZHEILIANGXIANGFUWUHOU,FEIYONGJUNBUTUIHAI。

YOUYUJIEDAIBAODEYONGHUSHUZAOJIUGUOYILE,KEYIKENDINGDESHI,ZHEIXIANGLIJIUZHANGDEYEWUJUEDUISHILIRUNYINQING。JUGELIZI,RUGUOYAOZHANGYEWUSHENTOULVDADAO1%,PINGJUNMEIRENCHANSHENGFUWUFEI100YUAN,JIEDAIBAOJIUKEYIHUODESHANGYIDESHOURU。

HUISUGUOWANG,ZAONIANZAIHUJINXINGYEGUAQIYIZHENXUANFENGDEJIEDAIBAO,SHENSHANGHUIJIZHEHENDUOKANDIAN:“JIUDING”、“SIMUDALAO”、“SHURENJIEQIAN”、“FENCENGYINGXIAO”DENG,SHIYIJIAHUJINCONGYERENYUANDOUZHIDAO,RUJINQUEYUELAIYUEDANCHUQUANNEIDE“HUJINLAONIAO”。

DAN,QIYOUBIEYUDADUOSHUWANGDAIJIGOUHEZHUDAIJIGOU,TASHITUTONGGUOHULIANWANGDEFANGSHILAIJIEJUEYIGEKUNRAOZHEJIHUSUOYOUZHONGGUORENDEGANGAWENTI——SHURENJIEQIAN。

SUHUASHUO“QIANQIANDESHIDAYE”,LILUNSHANGMEIGERENZAOWANDOUHUICHANSHENGZHEIYANGDEXUQIU,NEIJIUSHIRUHEBULUOMIANZI、BUSHANGHEQIQIEYOUYADIYAOHUIZIJIDEQIAN。

DAOMUQIANWEIZHI,JIEDAIBAOSUOMIAOZHUNDEYIJIUSHIZHEIYIYAOHAIWENTI,TONGGUODAJIANDISANFANGXINXIDENGJIPINGTAILAIBANGZHUSHURENZHIJIANXIAOJIANWEILAIKENENGCHANSHENGDEGEZHONGBUSHUFU、BUYUKUAIWENTI。

DANTADEMOSHIYOUSHIDUTEDE。

不一样的“P2P”,将按4倍LPR调整利率上限

QIBUYUWANGDAIPINGTAIHUOBAODE2015NIAN,JINGUANJIEDAIBAODEDICENGYEWULUOJISHEJIpeer to peerDELINIANFANCHOU,DANTABINGBUSHICHANGGUIP2PSHIDECUNZAI。

MUQIAN,JIEDAIBAOAPPZHONGZHUYAOZHANSHIWUDAGONGNENG,FENBIEWEI:DAJIETIAO、BUQIANTIAO、LIJIUZHANG、QINYOUTOUZIHEYUANGONGBAO。

ERWENZHANGKAITOUTIDAOJINNIANXINSHANGXIANDE“LIJIUZHANG”,SHIDANBIANZHENDUIZHAIQUANRENTIGONGDEXIANSHANGDENGJIFUWU,YOUZHAIQUANRENDANBIANDENGJI,WUXUDUIFANGQUEREN。JIEDAIBAOZHUYAOQIERUDESHIBANGZHUZHAIQUANRENDUIYUQIZHAIWUJIZHANG、DIANHUACUISHOU、WEITUOSUSONGDENGZENGZHIFUWUNEIRONG。

YOUYISIDESHI,LIJIUZHANGXUYAODENGJIZHAIWURENXINXI,TONGSHISHANGCHUANZHAIQUANRENHEZHAIWURENDEXIANGGUANZILIAO,BAOKUOSHENFENZHENGMING、ZHAIQUANZHAIWUGUANXIZHENGMING(HETONG、YUANSHIQIANTIAO、ZHUANZHANGPINGZHENGDENG)、GOUTONGJILUDENG。

ZAIQUEQUANLIUCHENGZHEIYIBUSHANG,QISHIZHEILEIMOSHISHANGYOUYIDINGDEZHENGYIXING。

CONGJIEDAIBAODEQITAZHUYAOGONGNENGLAIKAN,DAJIETIAO、BUQIANTIAOHELIJIUZHANGSHIYIZHONGZHAIQUANZHAIWUDENGJIDEGONGNENG;ERQINYOUTOUZIHEYUANGONGBAOZESHUYUXINXIZHONGJIEFANCHOU。

JIEDAIBAOAppXIANSHI,ZAIDAJIETIAOYEWUZHONG,ZHAIQUANRENHEZHAIWURENTONGGUOJIEDAIBAOPINGTAIWANCHENGZIJINDELIUDONG,JIEKUANXINXIBEIJILUZAIPINGTAIZHONG,BINGQIEPINGTAIJIANGTIGONGYIFENDIANZIXIEYIJISHUANGFANGQIANSHU(JUBEIFALVXIAOLI),ERHOUXUYIDANFASHENGYUQI,PINGTAIZENENGGOUPILUZHAIWURENZAIJIEDAIBAOZHONGDEYUQIZHUANGTAI,TIGONGZHAIQUANRENSUSONGZILIAOJICAILIAOZHENGMING,BINGGONGSHIZAIWEIXIN、QQDENGSHEJIAOPINGTAIZHONG。

BUQIANTIAOYOUSUOBUTONG,BINGBUHUIZAIPINGTAIZHONGFASHENGSHIJIDEZIJINLIUDONG,SHIJIEKUANXINGWEIFASHENGZHIHOUDEYIZHONGSHUANGFANGZHAIQUANZHAIWUDENGJIPINGTAI,TIGONGSHUANGFANGQIANSHUDIANZIXIEYI,SHIYIZHONGBUCHONGJUZHENGDEGONGNENG。

CIWAI,YONGHUTONGGUOQINYOUTOUZIGONGNENG,JIANGZISHENDEJIEKUANXUQIUYONGBIAOZHUNHUADEXINGSHIZHICHENGJIEKUANXINYUANDAN,BINGZAIJIEDAIBAOPINGTAIZHONGDUIYONGHUDEQINYOUGONGBU,RUYOUQINYOUYUANYICHUJIEZIJIN,ZEHUICHANSHENGNIMINGTOUZI,DANXUYAOSHUANGFANGZAIPINGTAIZHONGQUERENQINYOUGUANXI。

ERLEISIDI,YUANGONGBAOZESHIJIEDAIBAOZHENDUIQIYENEIBURONGZIXUQIUSUOKAIFADEGONGNENG,QIYETONGGUOPINGTAIZHUCEHOU,KEYIXIANGYUANGONGFASONGDANXIANGNIMINGDETOUZIHUOJIEKUANXUQIU。

SHANGSHUWUZHONGYEWUGONGNENG,SHIZHILINGJIEDAIBAOGENGXIANGSHIFUWUYUMINJIANJIEDAIDEXINXIBEIANPINGTAIJIFUWUFANG。

ZHIDEZHUYIDESHI,MUQIANJIEDAIBAORENGSHIANZHAO2015NIANZUIGAOFAGUANYUMINJIANJIEDAILILVDESIFABAOHUSHANGXIAN24%LAIJINXINGCHANPINSHEJIDE。

DUICI,YOUJIEDAIBAORENYUANBIAOSHI,“JINQIPINGTAIHUIJIANGLILVSHANGXIANDIAOZHENGWEIJIYU4BEILPRDESHEDING。”

2

主营收入来自贷后催收服务费

“YINWEIFAZHANLUJINGBUTONGYUZHULIUHULIANWANGJINRONGGONGSI,SUOYIGEFANGMIANXIANZHIHENDUO,FAZHANZHIJINPINGTAIYEWUCENGMIANJIBENMEISHENMETUPO。”SHANGSHURENSHIBIAOSHI,MUQIANPINGTAIDEZHUYAOSHOURULAIYUANYUDAIHOUGUANLIYEWU,QIZHONGBAOKUOXINXIDENGJIFEIYONGHEDAIHOUFUWUFEI。

JULEJIE,JIEDAIBAODEDAIHOUGUANLIFENWEIJICHUDAIHOUGUANLIJIZENGZHIDAIHOUGUANLI,QIANZHEBAOKUOSHUJUCUNZHENG、HAIKUANTIXING、ZHAIWUDIAOJIEDENG;HOUZHEZHENDUIDESHIWEIYUEZHAIWUZHUANXIANGGUANLIYUFALVXIANGMUGUANLI。

LIRU,JIEDAIBAOGONGKAIZILIAOXIANSHI,ZAISHUZICUNZHENGFUWUFEIFANGMIAN,JIEDAIBAOXIANGZHAIWURENSHOUQUSHUJUCUNZHENGFUWUFEI,FEIYONGBUCHAOGUOZHAIWURENSHIJICHENGGONGJIERUJINEDE0.9%。

DUANCUISHOUFUWU,ANCISHOUFEI,38YUAN/CI;ZHANGCUISHOUFUWUFEIFUWUFAQISHIJISHOU,238YUAN。

ZAIJICHUDAIHOUGUANLIFUWUZHONG,YOUZHAIWURENXIANGJIEDAIBAOPINGTAIZHIFUJICHUDAIHOUFUWUFEI,ANZHAOWEIYUEWEICHANGHAIJIEKUANBENXIZHIHEDE5%SHOUQU。

ERZAIZENGZHIDAIHOUFUWUFEIFANGMIAN,PINGTAIJIANGEWAITONGGUOQITAHETONGFANGSHISHOUQUXIANGYINGDEFEIYONG。

ZHENDUIZHAIQUANREN、FAYUANHELVSHISANZHEZHIJIANDEXUQIUGUANXI,JIEDAIBAOSHELILEZHUANMENDEZIPINPAI“LAIKE”,YIWEIZHE“LAIZHANGKEXING”,TONGGUODIANHUATIXING、LVSHIFAHAN、YUQIZHAIZHUANDENGFANGSHIJIEJUEZHAIQUANRENHEZHAIWURENZHIJIANDEJIUFEN,ZUIHOUHAIHUIYISUSONGDEZHONGJISHOUDUANJIEJUEWENTI。

3

GONGKAISHUJUXIANSHI,CONG2016NIANZHIJINDE5NIANSHIJIANLI,LAIKEYILEIJIHUIKUAN160YIYUAN。

DUIYUYIFASHENGDEWEIYUEQINGKUANG,JIEDAIBAOHUIJIANGZHAIWURENDEWEIYUEXINXIHEGERENZILIAOTIGONGJIYIFACHENGLIDEGERENZHENGXINJIGOUHUOJINRONGXINYONGXINXIJICHUSHUJUKUDENGHEZUODEDISANFANGJIGOU。

BUNANKANCHU,WULUNSHICONGYEWUXINGSHIHAISHICONGZHUYINGSHOURUSHANG,JIEDAIBAODESHENFENSIHUBIJIAONANDINGYI,DAODISHISHUJUDENGJIPINGTAI,HAISHIXINXIZHONGJIEPINGTAI,YOUHUOSHIDAIHOUGUANLIPINGTAI,SHENFENMOHU。

CIQIAN,YOUSHICHANGSHENGYINRENWEI,JIEDAIBAOBENZHISHANGSHIXIANGTONGGUOGERENXINDAIXUQIUHEQIYERONGZIXUQIUWEIQIERUDIAN,JIANLIZISHENDASHUJUZHENGXINPINGTAI,HOUXUZAITONGGUOKEJIJISHUSHUCHUHUOJINRONGCHANPINJIERUDEFANGSHISHIXIANZUIDAHUABIANXIAN。

DANZICONGCHUXIAN2016NIANDEYUQINGSHIGUZHIHOU,JIEDAIBAOYIZHUJIANDANCHULERENMENDESHIYE。

JUXI,SUIRANCIHOUPINGTAIYOUZHUJIANHUIFUZHENGCHANGYUNYING,BINGQIECHANGSHISHANGXIANLEJIJINCHAOSHIYEWU,DANYOUYUJIEDAIBAOBENSHENBINGWUJIJINDAIXIAOPAIZHAO,ZAIHEGUIXINGKAOLIANGXIA,ZUIZHONGGAIYEWUYEYIGEQIAN。

HUOXU,JIEDAIBAORUJINDEMOHUDINGWEIYENENGZAIQIBEIHOUZIBENDEQIFUZHONGXUNDEBUFENDAAN。

背后的千亿私募大佬

2016NIAN,YINGGAISHIJIEDAIBAOZUIFENGGUANGDESHIQI,PINGTAIYU2015NIANHAOTOU20YIYUANZAIQUANGUOFANWEINEIQIANGLITUIGUANG,DUANDUAN1NIANSHIJIANQIANGSHIFUHUOCHAOGUO1.28YIYONGHU,PINGTAILEIJIWANCHENGJIAOYIE800YIYUAN,GUZHIYEDADAOLE500YIYUANDELIANGJI,CHENGLEDANGSHIHUJINLINGYUDEYAOYANZHIXING。

RUCIQIANGDADETUIDONGLI,YIBANDOULIBUKAIBEIHOUNEIZHIQIANGYOULIDETUISHOU。

JUQICHACHAXINXIXIANSHI,JIEDAIBAODEZHUTIWEIRENRENXINGKEJIGUFENYOUXIANGONGSI(RENRENXINGKEJI),SHIJIKONGZHIRENSHIJIUDINGJITUANDONGSHIZHANGWUGANG。

GUANYUWUGANGDEGUSHIHEBIAOQIANYOUHENDUO,QIGOUJIANDE“JIUDINGXI”ZAI2015-2017NIANXIANGCHEZHENGGEZIBENSHICHANG,SHEJIDELINGYUBAOKUOSIMU、JIJIN、ZHENGQUAN、BAOXIANDENG,BINGQIECHENGQILEYIGEQIANYISHIZHIDEJINRONGBANTU。

ERJIEDAIBAOJIUSHIJIUDINGXIYUZAIHULIANWANGJINRONGLINGYUKAIJIANGKUOTUDEHUOPAO,SHENZHIBEIJIUDINGFUYULE“ZAICHUANGYE”DEZHANLVEDIWEI。

ZAITOUZIJINGSAIZHONG,JIUDINGZUICHUMINGDEJIUSHILINGTONGXINGSHENGWEIDELANGXINGYIJIDAPOTONGXINGGUIZEDEYEXING,YIDANYUDAOHAODETOUZIXIANGMU,QINENGXIANGTUJIUBANFENGKUANGZHUOSHI,ERBINGBUGUQITACHAILANGHUBAO。

ZHEIZAIJIEDAIBAOZUICHUDESHANGYEMOSHIZHONGZHANXIANWUYI,DANYEBEISHICHANGGOUBINGWEI“CHUANXIAO”。

BUGUO,WUGANGZAIHUIYINGGAIZHENGYISHITIDAO,JIEDAIBAO,ZAIMOUZHONGCHENGDUSHANGJIEJIANLECHUANXIAODEJINGSUI。

JIEDAIBAOXUANZELEDUOCENGCIXIAOSHOUDEMOSHI,BA20YIYUANTUIGUANGFEIBIANCHENGLERENRENKEYINADAODEJIANGJIN,YONGHUZIJIZHUCEKEHUODE20JIANGLI,LAZHOUWEIQINPENGHAOYOUZHUCENENGHUODEBUFENTICHENG,QINPENGHAOYOUZAILARENZHUCEHAINENGHUODESHOUYI。

ZHEIKEWEISHIDADEYISHOUJUEMIAODECABIANQIU,JIUDINGTONGGUOCENGCIXIAOSHOUMOSHIBAZIJITUANDUIDELANGXINGKUOSANZHIMEIYIGEYONGHU,HOULAIHUJINPINGTAIDEYONGHULAXINHUODONGYEJIEJIANYUCI。

DANBUDEBUSHUO,WUGANGDEGEJUFEITONGYIBAN,YUBISHIDAXINGQIDAODEP2PBUTONG,JIEDAIBAOJISUKUOZHANGDEMUDEBINGFEIPINGTAIJIAOYIGUIMOZHILEIDE“CUBAO”ZHIBIAO,ERSHITONGGUOSHURENJIEQIANDESHICHANGXUQIU,JILEICHUGAOJINRONGJIAZHIDEYONGHUXINXI,YICIZUOWEILIZUHUJINXINGYEDEJICHU。

ERZHEIYESHIJIEDAIBAOCHENGLIJINYONGBANNIANSHIJIANJIUGUZHI500YIYUANDEHEXINYUANYIN。

BUGUO,QIANGLIEDEJINRONGYEXINHEPANGDADETOUZIBANTUHAISHICHEDUANLEJIUDINGDEZIJINLIANTIAO。

ZUIZHONG,JIUDINGBUDEBUTONGGUODADAOKUOFUDEQIEGEZICHANDEYICHUANXI,DANQIYUANQIDASHANG,NANYIZAIXIANGUOQUDEFENGMANG。

ERBANSUIZHEJIUDINGDEZHEFU,HUJINXINGYEYECONGDANGNIANDELANHAIYANHUACHENGLEGEFANGZIBENJINGXIANGJIAOZHUDEHONGHAI,YONGHUDEXIAOFEIXIGUANHESHICHANGJIAOYUYEYIJINCHENGXING,ERLIUJIJIEDAIBAOZHONGXINJIAODONGXINGYELANGHUADEKONGJIANHUOYIBUZAI。

推荐文章

ZHENYUNCHUANGTOUHEHUORENZHUXIAOCHENGQUERENCHUXI“2020QINGDAOXINJINRONGCHANYEGAOFENGLUNTAN”

YINGNUOCHUANGXINKONGJIANCHUANGSHIHEHUORENLIZHANGLINQUERENCHUXI“2020QINGDAOXINJINRONGCHANYEGAOFENGLUNTAN”

BEIJINGLUOGESHUJUKEJIYOUXIANGONGSIGAOJIFUZONGCAI,LUOGEYANJIUYUANYUANZHANGPENGQILEIQUERENCHUXI“2020QINGDAOXINJINRONGCHANYEGAOFENGLUNTAN”

LIANHERONGHUIJITUANDONGSHIZHANGYIHUIQUERENCHUXI“2020QINGDAOXINJINRONGCHANYEGAOFENGLUNTAN”

FAHAIFENGKONGCHUANGSHIRENGAOQIANGQUERENCHUXI“2020QINGDAOXINJINRONGCHANYEGAOFENGLUNTAN”

var _hmt = _hmt || []; (function() { var hm = document.createElement("script"); hm.src = "https://hm.baidu.com/hm.js?78ebdacae9da971faf025645ab77d367"; var s = document.getElementsByTagName("script")[0]; s.parentNode.insertBefore(hm, s); })();