Let You Design The Software: Do You Directly Create Douyin?

“Isn’t the repayment rate of the previous reserve fund quite high?

Wang Mo's voice continued to ring in the office.

Because now it has been more than ten days since Huabei and Reserve Fund were opened.

Therefore, the first batch of users who used their reserve funds had already reached the time of repayment a few days ago.

The difference between reserve funds and Huabei is.

Huabei can only be used for consumption and cannot be directly converted into balance.

However, the reserve fund can be directly withdrawn to the balance, but the repayment time is also limited to one week.

Compared to Huabei.

This function allows users to consume in advance.

The reserve fund can be regarded as a real emergency function for users.

only.

The amount of reserve fund used is only 500 yuan.

And listening to Wang Mo's words, everyone also looked at each other.

Zhang Fan scratched his head and said.

"But the amount of the reserve fund is not high after all, only five hundred yuan."

"Not many people would risk it for five hundred bucks."

"But Huabei has a full two thousand, or even more."

"The temptation of an amount of several thousand yuan is far beyond that of five hundred yuan as a reserve.

Most of the others and Zhang Fan had the same idea.

After all, there is indeed a big difference between the temptation of a few hundred yuan and a few thousand yuan.

"Although the overdue rate of the first batch of people who borrowed reserve funds was only a few percent, this does not mean that Huabei's overdue rate is also so low."

"If Huabei's overdue rate is so low, then this function can be considered a success."

"We have been able to avoid losing money through amortization and some other interest payments."

Zhao Ming's voice also sounded from the side.

But listening to the words of the two people, Wang Hei smiled.

"What time is six o'clock? Don't underestimate Huabei."

"Huabei is not the same as a reserve fund. As long as it is maliciously overdue for more than a certain period of time, it will be reported to the credit bureau."

"Not many people are willing to affect their credit system for a few thousand dollars."

Finished.

Several other people looked at each other again.

"But I'm still a little concerned."

Zhang Fan couldn't help but scratch his head.

"And now, if the reserve fund is overdue, it will only affect Weixin's credit score, and there will not be much punishment.

"Should we strengthen the penalties for overdue reserves?"

Listen.

Wang Mo shook his head directly.

“Now the designs of Reserve Money and Huabei have been perfected and there is no need to change them.

"So be it."

"All other follow-up discussions will be left for more than 20 days. When the repayment time for the first batch of Huabei users comes, you will understand the potential of this function."

As Wang Mo's words fell.

Others couldn't help but nodded.

After all now.

Even if they worry about this problem, there is no way to conduct any verification.

Or we can only wait twenty days for the factual data to speak.

But just when everyone was ready to calm down.

A hot search that appeared on Weibo the next day made everyone nervous again.

Although this hot search is only a short sentence.

But it can make many people more worried about Huabei.

“Taobao applies to Huabei store!”

Although the hot search ranking of this entry is not high, it has already attracted a lot of attention and clicks.

Taobao has not been able to pay with Weixin before, but after Huabei appeared, Taobao connected Weixin wallet in a short time. At that time, many people did not know what was going on.

Now let’s see.

Taobao may have deliberately come to disgust Weixin Wallet.

And this hot search only talks about one thing.

That's it.

Taobao has begun to appear with some stores that can directly apply Huabei.

To know.

The current Huabei can only allow users to consume, and cannot be directly withdrawn into the user's balance.

So it started from the first day when Huabei was launched.

There are many people who are trying to find ways to apply Huabei.

Let’s see if we can find a way to directly cash out the thousands of dollars in Huabei.

Originally before.

Many stores are already doing this secretly.

And this hot search directly exposed this underground industry chain to the public.

This method of cashing out is also very simple (bgdb).

Huabei users go to these Taobao stores to buy things and pay with Huabei, but the store does not deliver the goods or sends something casually. After the user clicks to receive the goods, they directly transfer cash to the user.

Generally, merchants who offer Huabei will charge 5% to 10% of the cash amount.

Although this commission ratio is quite exaggerated, with a commission of almost 100 yuan for 1,000 yuan, there are still many users who do this.

The average transaction volume of several stores exposed in hot searches has reached several thousand.

One store with a lower commission had a turnover of over 10,000 yuan.

And below this exposure hot search.

It also directly caused heated discussions among countless netizens.

"Holy crap, can you still play like this?"

"I asked why not long after Huabei was launched, Taobao also connected Weixin Payment. I thought Taobao was preparing to cooperate with Huabei, but it turned out to be this way."

"If it is just for daily consumption, there should be no need to cash out. If these people are here specifically to 'gather' wool, they are not prepared to return it."

"I think so, but Taobao is also interesting. Knowing that many people who want to cash out Huabei are not pure-minded, they still blatantly open these stores on Taobao. Isn't this an obvious confrontation with Weixin?"

"Upstairs, Weixin Wallet and Alipay are already rivals. As Taobao is a software owned by Alibaba Group, it is normal to do this."

"This should be illegal. Pinxixi doesn't have such a store, and if a store is found to contact users using Huabei, the store will be blocked."

"My former colleague got married, but he didn't have a red envelope, so he cashed out a few thousand. But don't worry, I will definitely pay it back when I get my salary next month. I'm not deliberately not paying it back as you said.

The emergence of this hot search.

Undoubtedly, it has caused many people to worry about Huabei.

After all, many young users are now counting on Huabei to survive. If Huabei closes due to huge losses, then they will also be victims.

And Taobao is also a thief.

Not long after this hot search appeared, he removed these stores, along with the payment function of Weixin Wallet.

Now Taobao can only pay through blue wallet.

Taobao's move proved what many users had guessed before.

This is why Ali came to disgust Wei Xin's wallet on purpose.

When they found that they could no longer be disgusted, Taobao naturally closed this payment channel.

And within the Penguin Group.

After seeing this hot search, Xiao Ma also laughed for a long time.

In his opinion, these people who use Huabei to cash out are people who don’t want to pay back the money in the end.

And such people are definitely not a minority.

Someone that Pony doesn't know.

Most of these people who cash out their Huabei do not really intend not to repay, but are really in urgent need of money in a short period of time, and what they need is cash that can be transferred and used directly.

But now.

Pony and the entire Penguin Group have not realized this yet.

In their view, this hot search can only mean one thing, and that is that the overdue rate of final payment will be quite high.

And under everyone's attention.

time.

More than twenty days passed again.

It’s finally one month after the Huabei function was launched. .