However, Fang Fang was also clearly aware that the society's credit system at that time was still imperfect and there were certain risks.

Some people might take the machine away after paying the first month's payment and then stop paying, or even resell the machine to make a profit. To avoid this, Fang Fang added several "thresholds" on top of the installment payment.

First, she limited the age of installment purchasers to ensure that the customer base had a certain level of financial ability and stability.

However, no bank is willing to cooperate with such a novel model.

Fang Fang felt that they could do it themselves without a bank.

From now on, when they go to pay their phone bills every month, they can also pay their mobile phone bills for that month. They basically have staff in every business hall.

Buyers are required to provide a certificate stamped by their employer to prove they have a formal job or run their own business. This raises the threshold for installment payments, but also effectively screens out more creditworthy customers.

This strategy not only gave many small vendors and individual business owners the opportunity to buy mobile phones, but also helped them save a lot of cash flow.

For these businessmen, installment payments not only reduce financial pressure, but also allow them to invest more funds in business operations, which is a win-win situation.

Fang Fang's innovative move is a groundbreaking development in this era.

Although thousands of machines were disconnected in the end, the situation was generally manageable. Even if these thousands of machines could not be recovered, Fang Electronics could afford the loss!

Fang Fang also hired someone to investigate the backgrounds of the thousands of disconnected buyers and file lawsuits with the police. After all, these thousands of mobile phones, each costing 12,000 yuan, involved a total cost of tens of millions. Setting up an investigation team with a dozen people wasn't a big deal.

As long as half of it can be recovered, it will be considered profitable for the company!

If a case is filed against a 10,000 yuan machine, either the machine or the money will be returned. Generally speaking, most of the money can still be recovered.

Besides, a certain loss rate is normal. She thought that in the next few decades, Taobao will still have such a thing as a return rate.