Chapter 190: National Credit

After receiving the call from Lin Feng, Liu Yingying immediately rushed from Shanghai to Beijing to attend the press conference co-hosted with the Industrial and Commercial Bank of China. Before Lin Feng came to Shanghai, Liu Yingying knew that Lin Feng came to Beijing mainly to discuss B2B online payment.

Service Alliance to expand the payment channels of Dingdang.com, but she did not expect Lin Feng, no, perhaps it was the ICBC that was so bold.

At the press conference, President Jiang solemnly announced that ICBC and Dingdang.com would cooperate to form a b2b online payment service alliance and launch a new "Yigou Card" to facilitate more convenient, faster and safer online shopping for all Dingdang.com users. But this is not

The key point is that everyone can only apply for an "E-Gou Card" with their ID card, which corresponds to a Dingdang account, and ICBC will cooperate with Dingdang.com to supervise the consumption of their accounts. At the same time, ICBC will also send full-time personnel to

Join the arbitration team of Dingdang.com to conduct reasonable arbitration of disputes arising from online transactions.

At the same time, President Jiang also announced that ICBC will record all transactions of users who have "Yigou Card" on Dingdang.com, and will make reference evaluations for all future loan applications made by ICBC users. That is to say

, if a Dingdang.com member has a low rating in Dingdang.com transactions, ICBC will reject the loan business he applies for in the future for purchasing a house or car, and classify him as an "untrustworthy user".

When this announcement was made, the reporters present were all shocked, but what was even more shocking was yet to come.

President Jiang also announced that the "Yigou Card" will provide loans of varying amounts according to the user's consumption limit on Dingdang.com, which means that the "Yigou Card" is equivalent to a "credit card" to a certain extent, and can be used for overdraft consumption, and can also take

Installment payment does not require too much proof. It is not as complicated as applying for a credit card in real life. As long as you have a good consumer evaluation on Dingdang.com, you can apply for "credit overdraft" and installment payment services. Of course, the premise is that it can only be done in

Dingdang.com buys things.

Regarding this point, it can be said that the whole audience was in an uproar, and they all questioned whether ICBC was too aggressive. Although credit cards have been launched in China for a long time, they are not popular. The most important reason is the repayment ability. Now, ICBC and Dingdang.com have launched a similar credit card

"Yigou Card", aren't you afraid that these Dingdang.com users will refuse to repay after malicious overdrafts? Even if you file a lawsuit, facing the possible malicious overdrafts of Dingdang.com members across the country, this will definitely be a long and costly process.

lawsuit.

Regarding the speculations of many reporters, both Lin Feng and Jiang Xing were fully confident. When President Jiang proposed this plan at first, Lin Feng was quite shocked and even thought it was a bit incredible. But it is true that as President Jiang said, the "E-Gou Card" can be used to a certain extent.

Improve the safety and fairness of online shopping, and to a certain extent, urge the formalization of the domestic online transaction market and combat online fraud.

As for malicious overdrafts, it is not that easy to trigger the credit loan conditions of the "E-Go Card".

First of all, each person can only apply for one "Yigou Card" with his or her ID card, and cannot apply repeatedly; second, only buyers who have spent a certain amount on Dingdang.com and have a certain credit rating can apply for a credit overdraft.

For example, the most basic one-star card can only provide an overdraft of 100 yuan. However, in order to obtain the one-star card, users must spend more than 10 times on Dingdang.com, and the purchase amount exceeds 1,000 yuan, and only users with a positive review rate of more than 95% can do so.

Application. If you want to achieve a two-star card and have an overdraft of 200 yuan, you must spend more than 20 times and the purchase amount exceeds 2,000 yuan. By analogy, the higher the "Yigou Card" level, the greater the overdraft amount you can. However, since this credit card was launched for the first time

The maximum limit currently will not exceed 1,000 yuan.

Although this still cannot guarantee that there will be no malicious overdrafts, Mr. Jiang has calculated that among the buyers who successfully transacted on Dingdang.com, the malicious overdraft rate will never exceed 5%, while in developed countries, the malicious overdraft rate of credit cards exceeds at least 7%.

Comparing the two, Governor Jiang feels that this “universal credit” plan is extremely feasible.

Of course, in order to cooperate with President Jiang's plan, Liu Yingying also reached an agreement with all sellers to provide different levels of discounts for the "E-Gou Card" levels. From one-star card to ten-star card, there are ten levels in total, starting from the lowest 1

% discount, up to 10% discount.

At first, these sellers were not willing to give discounts. Even if they were given a 1% discount, they would make less money. But Liu Yingying shut up all the sellers with one sentence——

Do you want to earn 100 yuan from one person, or 1 yuan from 100 people? Sellers are not stupid, so they can naturally tell the difference. It is true that they seem to offer discounts on every item, but as long as the business is good,

, with more people buying, this loss can naturally be earned back. This is the principle of small profits but quick turnover. As for whether the seller will raise the price and offer discounts, Lin Feng doesn't care. The biggest advantage of online shopping is that

You can shop around with three companies, no, at least shop around with ten or hundreds of companies.

The news of the "E-Gou Card" launched by Dingdang.com and ICBC quickly spread across the country, with various companies giving mixed reviews. Many netizens jumped out and criticized ICBC for being too overbearing and should not forcefully ban them in the market.

Dingdang’s online consumption behavior is closely related to reality, and it believes that this infringes upon the legitimate rights and interests of consumers.

This point is supported by some Dingdang users, but more people are scolding it. If you abide by the law and trade with integrity, this clause does not constitute any conflict of interest. On the contrary, it does not regulate the formalization of the online shopping market.

And of great benefit.

Mr. Jiang also vigorously refuted the remarks of these netizens, stating that whether it is online consumption or real-life consumption, honest transactions are the first priority. Especially with the rise of online trading platforms such as Dingdang.com and eBay, Mr. Jiang believes that online shopping will be better in the future.

It is a trend and has become an indispensable platform in people's lives. This platform must be clean and standardized, and as long as interests are involved, moral restraint alone is not enough. It must have mandatory means to restrain and

specification.

Governor Jiang's statement was naturally approved by the vast majority of sellers and buyers, who also unanimously welcomed the launch of the "E-Gou Card", believing that this is a good thing that benefits the country and the people, and opening a "credit overdraft" does not need to be so cumbersome, as long as

As long as the credit rating is reached. Especially for installment payment, this is approved by all Dingdang.com members. However, the only complaint of these Dingdang.com members is that the loan credit limit is too low. However, President Jiang said that this is only a trial period, and once it is feasible, it will be

The credit limit will be increased.

Of course, in order to avoid malicious overdrafts, we also declare that we will take legal measures against any malicious overdraft users, even if they only overdraft by 100 yuan.

Of course, no matter what tough measures are taken, malicious overdrafts are inevitable. Therefore, for the losses that may arise from this "National Credit" plan, Lin Feng's Dingdang.com will bear 40%, and ICBC will bear 60%. For the same reason, so

Dingdang.com will receive 20% of the profits generated, and ICBC will receive 80% of the profits.

For Lin Feng, this "universal credit" plan can be said to bring fame and fortune. It will not only further consolidate the position of Dingdang.com in the domestic online trading platform, but also increase the daily transaction volume of Dingdang.com, and 40% of the profit share will be given to Lin Feng.

I believe that once this plan is successfully implemented, it will definitely become an important profit point for Dingdang.com in the future. As for Governor Jiang, as long as this "National Credit" plan is finally successful, he will definitely become a legend in the Chinese banking industry and be favored by "above"

of praise.

Perhaps the only complaint that Governor Jiang would have about this plan in the future was that the agreement signed with Lin Feng at that time gave too much dividends to Dingdang.com. He was still too conservative and not bold enough.

Regarding the "Universal Credit" plan jointly launched by President Jiang and Dingdang.com, other domestic banks are non-committal and have not expressed an attitude. However, they are all observing to see its feasibility. However, 100,000 "Yigou Cards" were claimed at the beginning of its launch.

, its popularity far exceeded the expectations of major banks, and Lin Feng also announced that Dingdang.com will only adopt one transaction method - a transaction method with bank supervision. In other words, in the future, all transactions on Dingdang.com will only

The fact that it can be carried out among users who have "Yigou Card" has made other banks feel a deep sense of coolness. They began to hesitate whether to join this "National Credit" plan.

ICBC's free application and free electronic password card will also further promote the speed of claiming "Yigou Card".

Lin Feng didn't know what the CEOs of the major banks thought, but his trip to Beijing was very fruitful, and he got a loan with the lowest interest rate, and the 300 million yuan loan was worth a cent.

"Lin Feng, what do you think about this "National Credit" plan? Are you not afraid of risks?" Liu Yingying was still very surprised by this "Universal Credit" plan.

"Haha, this was mainly President Jiang's idea. We are just the partners he chose. If Dingdang.com were not the largest online trading platform in the country, I think he would have chosen other partners." Lin Feng said calmly.

"But the risk is too great. In China, as you know, credit card overdrafts are very serious, and many people..." Lin Feng understands what Liu Yingying means. Many people in China just refuse to pay back money and are not afraid of lawsuits.

This kind of rogue behavior is really difficult to deal with.

"Haha, Yingying, in fact, President Jiang also sought the opinions from above this time. Otherwise, do you really think he dared to make such a big decision?" Lin Feng was also very surprised by President Jiang's decision at first. It was unbelievable. He didn't do it before his rebirth.

I heard that this happened, and I don’t know if it was caused by the butterfly effect after rebirth. But in any case, President Jiang’s decision is very bold and courageous, but it is indeed feasible to a certain extent, and Dingdang.com also assumes 40% of it.

The risk?

But Lin Feng is not too worried about this. This is definitely a good attempt. At least the buyers who have made more than 10 transactions on Dingdang.com with a transaction amount of more than 1,000 yuan are mostly trustworthy consumers.

100 yuan is not worth the risk of overdraft. After all, one ID card can only apply for one "E-Go Card", and it can only correspond to one Dingdang account. Especially the ten-star level launched by Lin Feng, I believe it will not let these

People who have a certain ability to make online purchases make malicious overdrafts. On the contrary, perhaps this ten-star rating may become a proof of their identity, prove their creditworthiness, and prove their character to a certain extent.

With a satisfactory harvest, Lin Feng returned to Shanghai. There was also good news waiting for him here. Wu Zhaopu had established the "Second World" Taiwan branch in Taiwan and conducted the first remote synchronous transmission. The results were even

Fortunately, Lin Feng's loan is now in place. The company does not have to worry about a shortage of working capital. It can officially launch the "Asia Interconnection Plan" and its branches in South Korea and Japan can start.

But what Lin Feng didn't expect was that a troublesome person was already waiting for him at the villa.
Chapter completed!