特立独行的猪6
2017-11-24
$趣店(QD)$年化利率刚好36%，游走在法律的边缘，严重超过年化利率24%，就一个高利贷公司
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T20211213007
2017-11-25
T20211213007
没看明白它的商业模式，人云亦云总是可悲的
特立独行的猪6
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的欧拉
:
市场需求很大，信联的成立，可以让没有信用的人借不到钱，也可以有效改善多头借贷，拆东墙补西墙的情况。
的欧拉
回复
特立独行的猪6
:
整治之后活下来的应该也就几家大背景公司了，这种几千块借款的需求还是有的，这样用户更集中，坏账低，利率自然会降下来。市场决定了现在的利率。也只能这样安慰自己了，谁叫我们入坑了，哈哈。希望不要一刀切就好
特立独行的猪6
回复
的欧拉
:
那是哟，现在很多年轻人是要钱不要命的，那些人就活该死的。希望信联赶紧成立，对整个金融行业及社会的发展也是一大好事
的欧拉
回复
特立独行的猪6
:
是因为需求决定了趣店的商业模式。 撸小贷的人是不会在乎利率多少，而是能放款。 利率24%还是36%根本不是重点。这些靠撸小贷的人不值得同情，是应该被社会淘汰的人。正常人包括正常大学生是不会有这种需求，而且那些好吃懒做的人
特立独行的猪6
:
商业模式就一现金贷（高利贷），还有就是消费分期，年化利率超过24%就属于高利贷，没有如此高的利率，盈利能力就得打个问号❓了
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