P2P online lending system platform development considerations

There are three main steps to start a P2P platform company. Dimon online lending introduced how to set up a P2P online lending company and build a P2P platform in the early stage. How can we proceed to the next step after the company is registered? To familiarize everyone with the P2P online lending platform construction process, let's talk about the second step: What should we do in the middle of P2P online lending platform development?

P2P platformStaffing for each position

After the establishment of P2P online lending companies, the first thing is of course the component operation team. For the preliminary job arrangements, refer to the following complete P2P online lending platform personnel organization architecture Diagram for job recruitment, suitable for large and medium-sized P2P online lending platform enterprises. The number of employees in each position is determined based on actual business needs.

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It should be said that this personnel arrangement is not the most perfect. From the perspective of internet company operation, Seo posts are essential to optimize keyword promotion and AD bidding control, so as to improve the popularity and ranking of P2P platforms, bring investors and borrowers.

It is worth noting that the P2P online lending system platform is a member of internet finance, and its risk is no less than that of the Bank. The two core departments are essential to the P2P platform: Risk Control Department and Finance Department. Professional tasks should naturally be handed over to Professional staff. (More detailed responsibilities of the online lending platform company's operation position)

Identify the profit sources, fund consumption categories, and staffing of P2P online lending platforms

1. VIP membership fee: Develops value-added Membership services, such as the automatic bidding function and New Standard Text Message notification;

2. Withdrawal handling fee: 2‰ of the withdrawal amount (some platforms stipulate that the withdrawal handling fee is 2 RMB ).

Auxiliary Business Income (mostly for lenders ):

1. Project inspection fee;

2. Project analyst Analysis fee: The analysis fee is collected based on the consulting and analysis of each project.

3. Project analyst security fee: the service fee is charged using the professional investment project opinion of the project analyst and the value-preserving recommendation.

4. Value-added services: Provides online accounting software, online project investment management, and other account management fees for borrowing and lending customers.

Loan Management Fee: typically charged at 0.5% of the loan principal per month.

Overdue interest: a daily penalty of 8‰ of the principal amount is added for overdue payments.

Interest sharing: fees are generally collected based on the interest earned by investors (this practice requires careful consideration, which can easily arouse investors' resentment and reduce popularity ).

P2P online lending platform operating expenditure fund points

1. Purchase the hardware and maintenance fee of the online lending platform;

2. office space rental and decoration fees;

3. Funding for launch activities of the new platform: the launch of the new platform basically requires inviting third-party platforms and investors to inspect the launch. The launch of the new platform requires a proper amount of second-and short-term bidding at the initial stage, bidding for prizes or inviting registration and cash return activities will incur certain expenses;

4. third-party payment platform recharge fees;

5. employees' wages and expenses;

6. Travel and entertainment expenses;

7. Advance Payment of bad debts (generally in cooperation with the guarantee company, not the platform company ).

P2P online lending platforms need to pay attention to their work points and other aspects during the development and construction period, for more information about P2P online lending platform operation methods and platform website development and construction, refer to the online lending Encyclopedia of this site.

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P2P online lending system platform development considerations