, as we all know, one of the biggest domestic incidents in recent days is that Jack Ma’s Ant Financial Service has been suspended! The
incident is roughly as follows:
1, October 25, Jack Ma launched a sharp shot at China's financial supervision. After the content of Ma Yun's speech was exposed, many unknown people on the Internet praised Ma Yun, praise him!
2 In the next few days, Jack Ma’s remarks and opinions were refuted by many official media!
3. On November 2, the People’s Bank of China, China Banking Regulatory Commission, China Securities Regulatory Commission, and State Administration of Foreign Exchange interviewed Ma Yun, the actual controller of Ant Group, chairman Jing Xiandong , and president Hu Xiaoming.
4, November 3, Ant Financial was suspended by Shanghai Stock Exchange and Hong Kong Stock Exchange one after another!
But strangely, in the past few days, there have been a lot of news on the Internet about the Huabei and borrowed related articles! Why is
strange?
Before Ant Financial was suspended from listing, what did those people do? Why have you basically never seen an article that exposes Huabei and Bibai related issues?
Let's not talk about those first, let's focus on the exposed flowers and borrowings! There are many things about , only after you know it, you will feel shocking!
1. Behind the rapid expansion of the scale, Huabai and Zibai are frantically testing on the edge of danger!
China International Economics Vice President Huang Qifan once said in the book: Jack Ma now has hundreds of billions of spent and borrowed money, where does the money come from? The principal is only 3 billion, bank loans first, then ABS. Step by step, spent and borrowed from the capital of 3 billion to get the current more than 300 billion, which is a 100 times magnification...
Initially, 3 billion yuan was used as a base, and 6 billion yuan was borrowed from the bank. There are 9 billion.
9 billion is not enough to lend, it doesn't matter, asset securitization (ABS) is just fine.
After releasing 9 billion loans, it is equivalent to 9 billion debts. With this debt mortgage, it can borrow 9 billion again, so that it has money to lend again.
In the second round of lending, Ant has another 9 billion claims in its hands. It continues to mortgage loans in an infinite loop.
Up to now, how many times are there in this loop?
scared you by saying it out: 40 times.
is all right, after 40, Huabei and Bibai have formed a scale of more than 300 billion now!
So, where is the danger?
If Huabei and Bibai are thundered like other P2P platforms, Jack Ma’s Ant Financial Service will only lose up to 3 billion principal!
and the remaining 300 billion, who will pay?
Someone said that if the bank loan goes out, it must be the bank. I must emphasize one point here. Banks have no production activities. Therefore, the money in the bank is not the bank, but the majority of depositors!
So, do you see clearly?
This is the Sao operation of Ant Financial!
Second, interest rates!
Many people may not know how terrible the difference in interest rates for ants is.
Currently, the one-year loan market offer rate (LPR) is 3.85%, and the law stipulates that the upper limit of judicial protection for private lending is 4 times that of LPR, which is 15.4%. How high is the annualized interest of
ants?
It is based on credit rating, 15% low and 18% high. In other words, if you borrow 10,000 for a year, you will have to pay back 1,800 yuan just for the interest, which is more ruthless than the folks who specialize in high profits!
Alright, as for the various risks and adverse effects caused by the early consumption of the vast number of young people caused by Huabei and Bibai, I will not repeat them here! Just understand that large-scale advanced consumption will definitely be problematic in the end!
so, Now, what do you think of Jack Ma?
What do you think of Huabai and Borrow? Is
financial innovation? !
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