AI Media Consulting: The malpractice analysis of China electric business Platform Micro loan business

All along, because of risk control, financial audit, real right custody and other issues, small and medium-sized enterprises, self-employed and so on in the financing problem has been in a passive position. When more and more people look to the small and medium-sized enterprises financing problems, small loans to the homeopathy. And the sense of smell of the internet companies have reached the "blue sea." According to Iimedia Research (AI Media consulting) analyst released "China's small loan industry chain Analysis Report" shows that at present, many large domestic electric enterprises such as Alibaba, Beijing East and Suning began to dabble in small loans, to help suppliers and consumers to improve capital turnover, Initially formed a sustainable operation of the industrial chain. The emergence of micro-credit is a breakthrough innovation in the sustainable operation of electric business enterprises, however, it is worth noting that everything has two sides, and its advantages and disadvantages coexist. Since 2007, the first small loans Alibaba, a number of home appliances business platform follow-up, Jing-dong, Suning, Dunhuang Network, the network Sheng Business Treasure, wisdom, etc. have been involved in small loans business, small loan business has become a "standard" electricity. As a new financial model, internet finance has attracted much attention because of its wide range of trading objects and low cost. Among them, a lot of electric dealers use their accumulated data, the real and effective analysis of the need to loan the merchant information, reduce the risk of loans, but also get the merchant and platform for a win. At present, domestic manufacturing industry has entered the era of meager profit, many suppliers have problems such as capital turnover difficulties, resulting in the decline of goods quality and supply volume reduction. At the same time, despite the dazzling array of commodities on the electricity platform, many potential consumers pay the amount of goods they need at a time due to insufficient current income. Both of these situations lead to the decrease of sales of electric business enterprises, which makes the profits of the electric business enterprises decrease and it is difficult to develop continuously. In response to suppliers and consumers because of the shortage of funds to affect the profitability of the platform, many large domestic enterprises such as Alibaba, Beijing East and Suning, etc. began to dabble in micro-credit, to help suppliers and consumers to improve capital turnover capacity, to form a sustainable industrial chain. As shown in the picture, the electric business Small loan company through own funds and to the bank financing, to provide loans to upstream suppliers and downstream consumers in the electricity supply chain, suppliers receive payment, consumers have sufficient funds to repay the loan to the small credit company, if the supplier or consumer defaults, and the company's small loan companies to cooperate with the security company to repay. IiMedia Research analysis that the emergence of micro-credit is the electric business enterprise sustainable management of the breakthrough innovation, however, it is worth noting that everything has two sides, its advantages and disadvantages coexist. The advantages of micro-loan of electric power companies are as follows: The Enterprise loan threshold is lower, the electric business platform through the mining analysis of the massive user data, obtains the accurate judgment to the user credit level, causes the enterprise to apply for the loan only by its credit record in the electric business platform, without the mortgage. This is Ali, Jingdong and Suning and other large electric platform are commonly used by the practice, has been better response, such as Ali small loan badThe account rate is about 1%, which is much smaller than the bad debt rate of traditional financial institutions. And the disadvantage of micro-credit is embodied in: first, the electric business Small loan company only by the user in the electricity business Platform credit record as the loan basis, lacks the necessary material mortgage, exists certain risk, once the user loses the union, the electric business platform will be difficult to recover the loan; The size of the small loan credit can not exceed 1.5 times times of its own registered capital, at the same time can not range, which caused once the loan scale exceeded the limit, the electric business enterprise will have the risk of non-compliance, therefore, Ali, Jingdong and Suning and other electric enterprises through the cooperation with traditional financial institutions and securities companies to securitization of quality loans in the way of financing To meet the growing demand for loans, such as the "Asset Management plan" introduced by Ali Securities Company, the cooperation between the BoE and the banks, trusts, funds, securities companies, guarantee companies, insurers and other institutions, and the "bank factoring" business jointly introduced by Suning and the bank. In the face of the disadvantages of micro-credit, how to actively deal with? On April 18, the upcoming Shenzhen 2015 China Internet Financial Development Summit, the Internet financial issues involved in the small loans will also be the focus of the issue, the first day of the conference "2015 China Internet Financial Regulation and Industry Regulatory Development Forum" For discussion. (attention to the official micro-letter "media consultation", micro-signal: Iimediaresearch, click on "Details of the conference" to see the specific content; Please reply to "Rob Ticket". It is understood that the summit organizers Iimedia Study Group (AI Media Consulting Group) to invite Ali micro-finance, Sequoia Capital, Vchello micro-investment, Tencent Micro-pay, Baidu hundred Bao, Lu Jin, Suningyun business, such as the Internet financial forefront of the leading enterprises in the hundred elite, They will focus on the asset diversification trend of peer-to-peer lending industry, the focus point of the internet Financial Times, and discuss the way of internet finance development. The summit will be an annual event for investors and the Internet industry to share and develop new opportunities for the Internet financial industry.