更新时间:2023-08-11 10:54:24
为什么各大平台都想借钱给你?
为什么各大平台都想借钱给你?
以前的互联网总是想办法从你的口袋里掏钱,不知道从啥时候开始直接平台不断的诱惑怎么借钱。How to borrow money through the constant temptation of the direct platform.随便打开一个软件都有弹窗广告,Open any software and there will be pop up advertisements.几万几十万的额度,Tens of thousands.什么日息低秒到账各种诱惑的信息?What daily interest low seconds to the account all kinds of tempting information.好像只需要点一下一同意。It seems that you only need to click to agree 直接钱就到你卡里了。
The money will be in your card directly.But have you ever thought about.为什么这些平台想借钱给你?Why do these platforms want to lend you money?因为借钱本身是一门很挣钱的生意,Because borrowing money itself is a very profitable business.你看这些平台上是不是写了借100?Do you see if it is writen on these platforms to borrow 100?每天几毛钱。
你是不是觉得利息可便宜?Do you think interest is cheap.如果是10万,What if it's 100.000?利息你再乘以30天,你会发现市面上的网上贷款平台,利率基本上是20%以上有的甚至高达36%More than 20% and some even as high as 36%。当然资本不可能局限于你的利息。Of course capital cannot be limited to your interest.不然他们哪来这么多钱去放贷?Otherwise,where would they get so muchmoney to lend?所以大多数平台走的是第二条路。So most platforms go the second way.叫做资产证券化。
什么是资产证券化?Taked asset securitization.举个例子大家就知道了。Take an example and you'll know.现在来看看马云的资产正确化。Now let's take a lookat Ma Yun's asset.当在花呗借呗借了一笔钱以后,When we spend more money and borrow money.每个月是不是都会有定期给蚂蚁一笔钱?Will there be regular payments to ants?
马云就相当于有了稳定的现金流,Jack Ma is 降幅 to having this stable.他们会把欠蚂蚁的这笔现金流,进行打包,形成我们上面所说的金融产品A。
→这个时候就会有银行、基金等金融机构来购买这个金融产品。这时候蚂蚁就能通过销售金融产品A再获得一笔钱,然后再把这个新融来的钱借给咱们身边的人,这个时候就用了另外一笔现金流再进行打包出售。
→如此反复就能把30多亿的资金通过反复操作滚到了3000多亿,这背后是上百倍的杠杆,是不是觉得很不可思议?听到这你应该理解,为什么这么多平台愿意借给钱给你了吧?