$RWA
Cooling DownSnapshot Window: 2026-09-10 22:20 UTC · ← Back to Crypto Overview
Social Momentum Summary
Total Engagement - Comments: 0, Retweets: 0, Likes: 0, Impressions: 0
Verbatim Community Citations & Social Evidence 1 source posts analyzed
整理了一下这些借贷服务的年化,我只想说:放贷是真他妈赚钱 简单整理了一下目前常见消费贷和现金贷产品的年化利率,不算不知道,一算才发现,普通人平时随手点开的借钱入口,背后可能是一笔年化接近20%的贷款。
![]()
AI visual note: The image is a Chinese infographic titled "放贷是真他妈赚钱" (Lending is goddamn profitable), featuring an illustrated cowboy against the Great Wall, detailing annualized interest rates (年化利率) of major Chinese lending platforms including 花呗 (13%-17.3%), 借呗 (7.2%-24%), 美团月付 (11%-18.25%), 抖音月付 (9%-19%), 放心借 (7.2%-24%), and others, while comparing long-term returns of investments like 标普500 (~15%), 纳斯达克100 (~20%), and A股主动基金 (<10%). It warns consumers that the convenient lending services they casually tap into often carry hidden 16%-20% annualized costs, far exceeding typical investment returns.