為什么某動(dòng)、某寶、360這樣的平臺(tái)都搞金融，想方設(shè)法借錢給你？

他們只是想賺取你的興趣嗎？

哼，那你就太低估他們了。

現(xiàn)在只要點(diǎn)擊任意一個(gè)平臺(tái)，你就能找到數(shù)十萬的限額、秒級(jí)的低利息支付、以及海量的誘惑信息。

這背后，隱藏著一個(gè)殘酷的事實(shí)。

你不知道。

先保存內(nèi)容有點(diǎn)敏感。

首先，今年3月，央行要求所有貸款平臺(tái)貸款產(chǎn)品標(biāo)注年利率。

他們之前的文字游戲徹底暴露了。

大家這才發(fā)現(xiàn)，市面上的網(wǎng)貸平臺(tái)年利率高達(dá)20%以上，有的甚至高達(dá)36%。

連放高利貸的人都嫉妒他們。

但如果你認(rèn)為他們只是為了賺取你的一點(diǎn)利益，那只能說明你的認(rèn)識(shí)還停留在常人的思維里。

說白了，資本的本質(zhì)從來都是先創(chuàng)造錢，然后靠錢生錢，那么你想問，他們從哪里弄來這么多錢，放出這么多貸款呢？

有一個(gè)金融術(shù)語叫資產(chǎn)證券化，是指利用基礎(chǔ)資產(chǎn)產(chǎn)生的未來現(xiàn)金流作為還款支持，通過結(jié)構(gòu)化設(shè)計(jì)進(jìn)行信用增級(jí)。

基于此。

資產(chǎn)支持證券，也就是大家以前聽說過的ABS，這個(gè)過程是不是有點(diǎn)深?yuàn)W？

我給你舉個(gè)例子你就會(huì)明白。

假設(shè)村里有一個(gè)老張的特產(chǎn)蘋果，然后賣給鄰近的村莊。

如果你想買的話，就算沒錢也沒關(guān)系。

你可以選擇向他借，但是你需要付出一定的努力。

例如，如果每個(gè)人借了五個(gè)蘋果，一年后他必須歸還六個(gè)蘋果。

如果十個(gè)人向老張借蘋果，一年后老張能拿回60個(gè)蘋果嗎？

但如果到這里就結(jié)束了，老張只賺這點(diǎn)利息，也就是十個(gè)蘋果，他肯定不會(huì)滿足。

后來他發(fā)現(xiàn)，村民的欠條本身也有價(jià)值。

他可以拿著這些借條去找房東，也就是所謂的投資人，說一年后這些借條可以換60個(gè)蘋果。

現(xiàn)在我用它們換60個(gè)蘋果。

如果我抵押給你，我能拿回30個(gè)蘋果嗎？

如果是你，你愿意用它來交換他嗎？

連這個(gè)傻子都愿意。

他只要坐下來就可以賺到蘋果，沒有任何風(fēng)險(xiǎn)。

換句話說，利率好嗎？

那你不覺得這個(gè)操作和首付買房很相似嗎？

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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