The main revenue is "spreads", when it comes to peer network lending platforms.
All along, want to write down the details of the bottom-to-peer platform of the proceeds in the end, but I feel that the income of the point is not much, the core of the financial knowledge of the secret is not much, has not been pen.
Through an accidental opportunity to see the other people write the peer-platform gross profit measurement, feeling and I expected the same, the main difference is the data on the refinement.
The following expenditure items and data, for reference only, the actual situation is certainly not so ~
Business units at 60 million, 100 million yuan per year, respectively, a loan of 60 million yuan 1, the amount of loans nbsp  6000 million 2, one-year interest income (per annum 30%) & nbsp 18 million USD 3, Business Commission (9 of interest income) 1 620,000 RMB 4, total annual payroll (5~10) 216,000 RMB 5, financing cost (according to 18%) & nbsp 1080 million 6, rent and hydro &NBS P 60,000 RMB 7, other fees (attorneys, technology, etc.) 300,000 yuan Gross profit & nbsp 500.4 million, loan 100 million Yuan 1, loan amount   , &NB Sp 10000 million 2, one year interest income (per annum 30%) 30 million RMB 3 , Business Commission (9 of interest income) 2.7 million RMB 4, total annual payroll (5) & nbsp 216,000 $5, cost of financing (18%) &NB Sp 1800 million 6, rent and utilities &NBS P 60,000 7, other fees (lawyers, technology, etc.) 300,000 yuan Gross profit & nbsp 872.4 million
My supplementary point of view:
1. This is just a business unit, the business sector is the most important source of income, without taking into account the financial, administrative, market and other departments, there is expenditure.
2. Loan interest is generally in 15%~36%, folk language also likes to saymonthly 1 points, monthly 3 points of this, and the income to the financial person is usually in 10%~16%, the current mainstream. From simple spreads, the highest is 20%. 1 years 1 million, interest income up to 200,000.
There are a number of cost-effective projects, such as bridge loans, temporary turnover of funds, will be a little higher.
3. Business Commission, this, each company is different. My point is that if the Commission is too small, the enthusiasm of the salesman is not high.
The current financial market, many people want to finance, earn some pocket money, there are many negative news to see more, more cautious.
4. Market business development.
Online competition is very tragic, offline stores a lot of ah, a variety of stores.
I think that there are many people who want to manage their finances, most worried about safety.
If you want to borrow more people, you are afraid that the interest rate is too high, many trades and self-employed, the profit of one year may not be 20% yet.
If you borrow a high amount of money and high interest rates, not enough to earn.
5. Rent.
This city of Wuhan, a good location, is said to be 30,100 square meters.
Cheap places, may not have a small flow of people, or a more chaotic place.
6. Lawyers, technology and other positions.
you can hire a full-time job, or you can outsource it.
For the rich want to bigger platform, or recruit full-time better.
Technology this piece, has the strength platform, all is to intervene the research and development this key link.
Others develop the system, after all, can not well meet their business needs.
Many platforms, compared to the province, the opening of 10~30 million to buy a system, technology will not, business did not investigate, opened dry.
It is conceivable that the risk of the peer network loan financial market.
7. What about bad debts?
Bad debts are certain, and many platforms are brazen, saying they have no bad debts.
Financial people are stupid!
The boss of these platforms, is also really thick-skinned, dead do not admit bad debts.
Our bad debts are low, under 1%.
The wind control is terrible!
8. What are the business of loan customers?
In the market segment, not too much contact.
Entities and manufacturing, it is supposed to need money, but the economy is not good, the online overwhelming said the entity business is bad, the loss of more, closed more.
is the financing cost of the peer-to platform a little higher?
Ray Fansunion-recently on the project on the equity crowdfunding platform ~
November 7, 2015
Hubei-Wuhan-courtesy Gate
qq:240370818
: Fansunion
Copyright NOTICE: This article for Bo Master original article, without Bo Master permission not reproduced.
Business model (iii):P 2P net loan platform, gross profit calculation
