How to turn the Internet financial enterprise into a warm male type

How to be a warm male internet financial enterprise?

core point of view


① Investment net loans, borrowers borrow money from the net, and talk about a love similar. Investors and net loans in love, it should have the courage to have calm, but also have wisdom.


② Internet financial platform must understand and contain investors, for investors complain, we have to understand his pain point is what? to appease him, to tolerate him.


③ Financial products is a long-distance running that undergoes a test of a number of complete economic cycles. To do an internet financial warm male enterprise, platform, enterprise and leader to have to play, not impetuous, continue to work to help customers solve problems.


speech:


everyone good, today's speed network to hold such an event, the topic is very meaningful, very happy to have the opportunity to communicate with you. Kai Xin Loans from the end of 2011 by the National Development Bank and the Jiangsu provincial government to launch preparations, 2012 completed platform construction, 2013 online, the beginning of 2014 by the People's Bank of Nanjing Branch completed on-site evaluation accreditation, and now with the development of the industry step by step growth, I have been fortunate to experience such a process


I first talk about the development of the Xin-kai loan in recent years some experience, talk about our understanding of the industry, the Internet financial platform how to practice the internal strength, so that investors can get a real concern of the borrower. 2014, the industry can be summed up in two words, one called "innovation", one called "Chaos." According to the relevant agencies released data, the industry has more than 1500 platforms, the cumulative turnover of about 250 billion, but the problem platform accounted for nearly 15%-20%, running and fraud accounted for half of the 275. Here appears the net loan industry in the so-called warm male, slag male, Lengnan.


2015 Our judgment also can use two words, one is called "development", one is called "orderly". Prime Minister Li's "government work Report" is very clear, promote the sound development of internet finance, improve the coordination mechanism of financial regulation. The new government stressed that the market should be given back to the market, 2015 industry competition should be intensified. This industry is now seven or eight years, the last two or three years more and more hot, finance has a characteristic, the risk is cumulative effect. In the overall fair and orderly environment, the fittest is a good thing for the industry, for investors is good for borrowers.


Investors to net loans, borrowers borrow money from the net, and talk about a love similar. There is a saying that God will give me courage, peace and wisdom. Talk about a love, especially investors to go with the net loans, but also have the courage to have calm, but also have wisdom. In accordance with the understanding of open Xin Loan and some practice in the past few years, a net loan enterprise wants to do warm male, basically want to do these four points.


first, have the quality and ability.


second, to have psychological and emotional warmth.


third, must have the character and the language modelling.


finally have practical action and leadership.


literacy, literacy does not necessarily have to come from a family, not necessarily from the teacher, but a network loan industry, a network loan platform, a network loan enterprise, its leader and the core team must have a wealth of experience. Especially in the Internet and financial related industries, self-cultivation and character is very important. The establishment of Internet financial credibility needs both social value and economic value. Slag man, first at this point has been disqualified.


Internet Financial Industry special emphasis should be to have deep professional knowledge and related practice accumulation. This product model, business process, marketing, legal system, risk control, system development, no one job is good.


Some people say, tens of thousands of yuan can buy a net loan system on the Internet. But buying a net credit system and doing well in internet finance are two concepts altogether. As the saying goes, there is no diamond, not the porcelain live.


the second is psychology and emotion. Warm men must understand the needs of investors, but also to understand the needs of borrowers. Investors are a very broad group. , there are small white users, there are relatively experienced users, there are hundreds of investment, but also a cast is a hundred thousand of or even 1 million. These different customer groups, psychological and emotional needs are not the same. NET loan enterprises need to understand their own service group characteristics, how to help customers in security, liquidity, profitability has a better balance, and provide a simple and easy to understand the experience of good products.


emotionally, the development of science and technology has narrowed the space-time distance, promoted the efficiency, but sometimes also let people and people increasingly alienated. To provide a remote service, especially remote financial services, understanding and caring is important. Investors talk about everything small, because of the distance between time and space, so he will consider small things is a big thing. Internet financial enterprises must understand and contain investors, investors speak even if he again wrong, then we have to understand his pain point is what, to tolerate him.


Kai Xin Loan has been dedicated to emphasizing the internet era "from the financial" concept, for a certain economic base and financial knowledge of investors to provide simple and understandable products, through the user's own choice and planning, increase property income. On the other hand, make full use of Internet drive channels, provide users with a variety of services anytime, anywhere.


3rd, to do an internet financial warm male enterprise, must be from the character to shape and language to reflect. Financial products are a long-distance running that needs to be validated by a number of complete economic cycles. Platform, Enterprise, leader to have to play, not impetuous, continuous commitment to help customers solve problems. The idea is to make quick money and tap into the value of every drop of the customer base. Whether this kind of thinking is appropriate in internet finance, I think need to discuss, because doing internet finance and doing other internet business is not the same. In addition, in the publicity, also need to balance the Internet's radical and financial conservative. Not pompous, the page design and business model of the narration concise and appropriate, informative and accurate information disclosure. Business and publicity, fraud, indiscriminate commitment, the concept of a swap is not able to withstand a long time test.


last action and leadership, not only have feelings and ideas, but also to do the Aboveboard, hard-working. Kai Xin Loans The most spare point is to put most of our input to solve the user's Internet financial experience of the key link. We spend very little on marketing promotion, and product research and development is the focus of investment, accounting for more than 50%. At present, open Xin loan platform investors can feel the warm financial experience, on the one hand, the product system design to take into account the different investors in the amount, income, duration and other factors on the different needs, on the other hand, investors only need to bind the bank card before the investment, without prior recharge; The funds are transferred directly to the investor's bank card by the day of the cooperative bank, without mentioning the present link. We pay in these work, not only fully protect the interests of investors, but also play the role of the Internet in improving the efficiency of the allocation of funds.


leadership has two layers of meaning. First, we should be able to publicize and practise the positive energy of the internet finance industry. The internet financial industry as a whole is good, most peer-to-peer enterprises are good. Secondly, to guide investors, internet finance is not a place for profiteering, but a new way to increase personal property income rationally. This kind of propaganda guides the whole industry and every enterprise must insist on doing, and only this is to cherish the user.


In addition, the network loan platform pattern must be high, the ability must be high. Your pattern determines your outlet, and your ability determines whether you can assume its service responsibilities. Next must be cold, what is cold? This cold refers to the tolerance of loneliness, the principle of holding. Do not see that other families are in the capital increase, do I have to add some capital? Other families are doing some money mismatch, I am not going to do a little money mismatch? You have to think clearly, liquidity can be managed? In the emergence of bottlenecks in development, stage difficulties, to calm response.


finally there is a, called warm, to have emotional warmth, to have a service on the warm, so that users experience, you are not just the warmth of speech, you can do really, real and investors to talk about good love. Thank you!