As we all know, internet finance is a rare Innovation Model in recent years. At present, the country's attitude towards internet finance should be support and encouragement. However, it will restrict and standardize policies. It should be said that, the development trend of the entire internet finance industry is good.
Trend: Business sinking, opening up the underlying market
In this case, some excellent Internet Financial platforms in China are constantly exploring potential markets through various channels and establishing brands with professional and honest services. It is worth mentioning that some platforms have even moved their eyes to the countryside, trying to develop vast rural markets.
P2P practitioners entering the rural market
According to some media reports, China's well-known Internet financial platform financial workshop recently engaged in wall farming activities in rural areas, launched the "financial workshop is good, raising pigs and raising cattle is not comparable", "Financial Products choose my house, the slogans such as "returning home from the village head" highlight the simplicity and affinity of internet finance.
Of course, in my opinion, although the rural market is very large, many rural people do not know much about internet finance. They are concerned about how this model works and how it is secure. In this case, platforms such as financial workshops must do a good job in user education.
From the perspective of the specific operation model, what is the specific performance of the financial workshop? in terms of risk control, is the financial workshop worthy of reference from the industry?
Strictly screen Investment Projects
Financial workshops have strict requirements on investment targets. Although the investment scope covers different industries in different regions, strict and careful research and analysis will be conducted for each project, only small and micro enterprises with high market position and healthy operation can have the opportunity to invest. Looking at a lot of Internet Financial platforms in China, a common mistake they make is the neglect of assessment and research on investment objects.
In this survey, the financial workshop introduced the German IPC individual analysis technology for testing, from the perspective of operating income, operating costs, assets and liabilities, to determine the overall business situation of the company. In addition, the financial workshop also introduced a third-party information verification mechanism to fully verify the integrity of enterprises through platforms such as the People's Law Network, the loss of trust network, and the industrial and commercial network to reduce potential investment risks. It should be said that this mechanism has already been improved in the entire internet finance field.
Passive Risk control is very important.
On the passive level, the financial industry also has a systematic response plan. It is reported that the top 30 trillion guarantee institutions nationwide ------ the joint venture guarantee Group Co., Ltd. will provide a third-party guarantee for each transaction in the financial industry, once there is a risk in the investment, the Guarantee Company will fully guarantee the interests of investors.
In addition, the financial workshop has also recently launched the creditor's rights transfer function to help investors quickly recover funds-the creditor's rights transfer function is to allow investors who have already invested in the financial workshop project, transfer the Project Creditor's Rights to the investment users of other financial workshops, find the right Project Creditor's Rights transferee through the financial workshop platform, and quickly implement fund withdrawal and obtain corresponding benefits.
In my opinion, if internet finance is safe enough to ensure that the interests of investors are not damaged, it is a good strategy to actively develop offline and rural markets, it is also very beneficial to the long-term development of internet finance. Of course, this is also very important for rural areas to increase production and increase income. rural people have a weak investment awareness and few investment channels. If internet finance knowledge can be popularized, so that they can get a great return on investment while helping the company grow. Why not? (Text/Wang yijian QQ: 543415188)
Does the development of rural markets contribute to the long-term development of internet finance?
