Why are platforms like Moudong, Moubao, and 360 all engaged in finance and trying their best to lend you money? Do they just want to earn your interest? Humph, then you underestimate them.

Now just click on any platform, and you can find a limit of hundreds of thousands, low interest payments in seconds, and an overwhelming amount of tempting information. Behind this, there is a cruel truth. You don’t know it. It’s a bit sensitive to save the content first. First of all, in March this year, the central bank required all loan platform loan products to mark the annual interest rate. Their previous word games were completely exposed. Everyone Only then did we realize that the annual interest rates of online loan platforms on the market are as high as over 20%, and some are even as high as 36%. Even loan sharks are jealous of them. But if you think they are just trying to earn your little interest, it only means that your understanding is still stuck in the thinking of ordinary people. To put it bluntly, the essence of capital has always been to create money first, and then rely on money to make money, then Do you want to ask, where did they get so much money and lend so many loans?

There is a financial term called asset securitization, which refers to credit enhancement through structured design using the future cash flow generated by the underlying assets as repayment support. Based on this.

The process of asset-backed securities, the ABS that you have heard of before, is a bit esoteric, right? Let me give you an example and you will understand. Suppose there is a specialty apple from Lao Zhang in the village, and then sells it to neighboring villages. If you want to buy it, it doesn’t matter even if you have no money. You can choose to borrow it from him, but you It takes a certain amount of effort. For example, if each person borrows five apples, he will have to return six apples after one year. If ten people borrow apples from Lao Zhang, can Lao Zhang get back 60 apples after one year? But if it ends here and Lao Zhang only earns this little interest, which is ten apples, he will definitely not be satisfied. Then he discovered that the villagers' IOUs themselves had value. He could take these IOUs and go to the landlords, the so-called investors, and said that these IOUs could be exchanged for 60 apples after one year. Now I will exchange them for 60 apples. If I mortgage it to you, can I get 30 apples back? If it were you, would you be willing to exchange it for him? Even this fool would be willing. He could earn apples just by sitting down without any risk. In other words, is the interest rate good? Then don’t you think this operation is very similar to buying a house with a down payment?

If you give a bank a loan of 700,000 yuan for a house worth 1 million yuan, do you think this bank is risky? Can you understand something? We continue. Second, through the securitization of assets, Lao Wang can lend these 30 apples to people in the village who want to eat apples, and then continue to use the next round of IOUs to finance more apples, and then the cycle repeats. The third round, the fourth round, the fifth round until the Nth round. But if he only did this, he still didn't have a thorough understanding of finance, so Lao Zhang wanted to continue to expand, so he divided the people who lent him apples into three credit levels. Those with good credit would definitely repay the apples and set it to one Level 2: Those with average credit but houses in the village are set to Level 2, and those who may not be sure about Apple are set to Level 3.

Then he took the IOUs from these people and went to different landowners to borrow apples. In the end, he borrowed the most apples in theory, thus maximizing his profits. Speaking of which, can you understand? Can you give me a like? do you know? It’s hard for you to imagine how much money real capital has made through such operations. A certain platform once borrowed more than 3 billion in principal. In just a few years, it was enlarged more than 40 times, and a total of more than 300 billion was lent. Behind this is a leverage of up to hundreds of times. But this is just one of the many ways we know about it.

Then if we create a whitelist for those people who are good at repaying Apple credit on time, and then recommend them to other platforms, can we still earn an extra information fee? So now you know why you receive those harassing phone calls every day, right? And where do those platforms get their money? You should understand a little bit now, right? Although regulatory authorities have been cracking down on various chaos on various platforms in recent years, people who are unaware of their desires will still fall into it. Here it is, I sincerely hope that if you see this video, you can forward it to those who you can help. We refuse online loans and work hard. Can everyone come aboard as soon as possible? Whether you are a student, an office worker, a business owner, or even a mother, this year is a good window period. Next year will be the year of Jiachen, and it is also the year when new opportunities begin. Everyone, please act quickly.

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