Bill Trading O2O, who's arsenic? Whose honey?

The advent of the Internet to subvert the traditional financial business, can the bill escape a robbery? In the Internet financial Circle, the business related to Bills became a new exciting point, not only the Peer-to-peer financial services began to seek votes, bills discounting business also want to Internet. From the present situation of the bill trading market, it is difficult to "net" the ticket transaction, in which case, what can the Internet change?

The negotiable instrument transaction is actually the creditor's right credit circulation, the negotiable instrument non-standard transaction pattern and the Internet standardization, the line operation pattern difference is big, the enterprise which wants to discount often badly needs the circulation fund, and encounters the small ticket discount difficulty question. These problems led to the active underground Bill trading, the instrument intermediary developed. The Internet bill platform needs to solve is to break the information asymmetry, so that the bill transactions transparent.

Industry insiders believe that the current Internet bills platform can do online matchmaking platform, to provide inspection tickets and other services, offline by the supply and demand both sides of the transaction, that is, the O2O mode of the bill transaction. The following takes "the city Bill Net" as an example, analyzes its operation mode.

Online section:

The same city Bill Network is the third party Bill service platform, the focus of the line is to directly stick to the search engine system as the core, to develop a direct paste trading, exchange of votes, discount, bidding equivalent of the field of functional modules; Based on a large number of bills and quotes data processing and information matching cloud computing capabilities, the site can be real-time for quotation agencies push votes, and provide quotation services.

Offline section:

Platform to match the supply and demand side, by both parties themselves, the platform does not participate in the actual delivery, can provide offline inspection tickets, commissioned inquiries, late proof, unified contract model and other supplementary services.

Because the internet finance has not been connected to the People's bank credit system, there is no mechanism for sharing the information, and it does not have the wind control, compliance and clearing mechanism similar to the bank, and it is easy to take on all kinds of risk problems. For the platform, only the provision of information services, do not participate in the actual delivery will avoid the bill transactions in the false mark, the bill lacks real trade background and other risks. At the same time, according to the current people's financial management concept, the Internet financial platform is difficult to become a complete information "intermediary" and avoid risk, in reality, once Chuxian, platform is difficult to escape the social "fallback" ideological constraints. But from the income point of view, the platform can only rely on the inspection of tickets and other services charge a small amount of service costs, there is no perfect clear, complete profit model.

is the pure online trading of bills competitive? Or must it be bundled with a series of late service lines? There are also industry insiders believe that the current Bill intermediary services companies have been fully capable of mastering the latest notes trading dynamics, do not need Internet information intermediary, but also can very quickly help enterprises to achieve bills discounting. If the internet is really to be, it needs to be fully moved to the end of the late-stage bank processing notes, based on the wide application of electronic bills. and electronic bill promotion and other electronic signature, electronic bill regulations and paper bills registration, inquiry rules and so on a series of laws and regulations to achieve.

A new type of bill broker business, is currently some of the paper companies to explore the direction: "Enterprise + Internet Platform + Bank" model, the platform through the Internet technology to establish a dedicated customer base, customer base and the Internet platform, through cooperation with banks, banks use the platform to promote their own bills services, bills business needs, etc. On the other hand, the platform discovers Enterprise's bill business demand, matches the bank, the enterprise the Bill business Service, reduces the cost, enhances the efficiency. Based on the established customer base, the platform can make use of large data to analyze enterprise credit and finance, and provide sufficient and accurate customer information for banks to prevent risks.

This new model, if it has vitality, first of all, there should be enough information volume of the bill transaction, convergence of information to reduce the "price difference", and constantly compress arbitrage space, can even focus on overseas markets, and constantly improve the information stock, so as to break the traditional instrument intermediary information, high efficiency advantages; Secondly, there is a large enough customer information To be able to provide customers with the necessary account for the exchange, reports, profitability and risk of important information, for the final implementation of the transaction to provide a reference; third, to have a strong Internet technology, to provide supply and demand between the line between the exchange, with the Internet financial innovation products linked enterprises, individuals, banks, and finally realize one-stop investment and financing services.

Source: Gold Rating Media

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