Reporters in the Self-Discipline alliance on-site interview with the Executive chairman of Kyoto loan

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2 and from what angle to consider joining the private board of Directors

a , first of all to understand the purpose of the establishment of the private board, contribution, sharing, share, win, is to help each other, as a peer platform, we very much need a such organization, everyone can share their own experience to assist others or to others to reference, utilitarian Point said, This private board will be beneficial to everyone .

b , followed by the industry needs to standardize the development of the establishment of the private board so that a number of peer platform together to learn from each other, to complement each other, standardization is not only the private board of the requirements of the accession, but also the future of the mandatory requirements of enterprise development. In this group of private board members, the first step is to meet the requirements of the private board, and in addition, in the form of the development of the private board, it will continue to raise the demand for member, so that the private board will jointly develop common progress and achieve standardized development together.

C , the last is to consider the industry development situation, at present, the Internet financial industry, especially in the peer industry out of the most problems, malignant events directly led to the negative impact of our enterprises, the platform in the promotion of their positive information on the relatively weak, we need a healthy, positive, The positive organization to voice for us, let the community understand more comprehensive internet finance, run, fraud is only a few, there are more good platform for everyone to serve.

2 there will be competition within the private board.

The issue of competition to be objective, first of all to be honest with the industry is difficult to avoid competition, but this competition for each platform, the relative a little pseudo-proposition concept, how to say, competition is not only for investors to contend that the borrower is the project, there is a team, team this problem is any industry has problems, can be left aside, I have a set of data on financial institutions, and there are policy banks.3Home, Commercial Bank425Home(Large Banks5Home, joint-stock banks141Home, rural commercial banks214Home, foreign banks $Home), Rural Cooperative Bank theHome, Village Bank667Home, rural credit cooperatives1990Home, mutual fund -Home, Trust Company theHome, finance Company134Home, financial leasing Company -Home, auto finance company -Home. This data is still -This data should also be more, so that so many financial institutions can also letPeerHot up, there is room for development, explain what, the financial institutions are still far from meeting the needs of borrowers, there are still a large number of small and medium-sized enterprises, self-employed and other borrowers can not obtain loans from financial institutions,Peerof small and medium-sized enterprises, farmers, individual merchants, students, etc., a large number, any onePeerPlatform can not swallow such a huge market, any platform has development opportunities, from the investor's point of view,Peeris a financial, is a small investment, for the sake of diversification of risk, mature investors will put the funds to different platforms, not all the eggs put into a basket, so do not worry about all the investors false start, finally from the platform itself, the futurePeerWill each have the characteristic, everybody will do the industry subdivision, including the operation mode, the product kind may have the very big difference, therefore does not have to worry about the competition question.

3 and join the private board can bring to the platform what

Private board can bring the platform is the strict requirements of the standard operation, will promote the level of platform management, the level of wind control to promote the platform of strict self-discipline; through the private board exchange activities to enable managers to obtain more excellent knowledge, innovative awareness and rich network , of course, through active participation in the private board activities will also give the platform more exposure opportunities, improve the platform's positive image platform can also be the effective promotion of their products and services out, so that more people understand the platform situation.

4 , at present, so many enterprises in the industry, why do you want to start a peer

I was in .Year around the internet finance, that will domestic do internet finance is not too much, the internet finance concept has not appeared, remember again I went to the bank to do business, see a lot of old people in the purchase of bank financial products, the annual5A few of the financial products, the bank soon sold out, so low interest rates, that will domestic private borrowing probably in2?? 3Sub-monthly, a lot of enterprises are to take high interest rates to borrow money, and the bank is easy to attract a large amount of money with lower interest rates, this huge disparity, for many reasons, but the most important reason is the common people investment and financial channels are not unblocked, They still don't know that he can get several times the return on bank interest by other means, but that will not have the courage to start a business, to engage in internet finance. -Years is the first year of the Internet financial outbreak, the balance of Bao completely pushed the fire of internet finance, I have been concerned about the development of the industry, the domestic do a lot of people are engaged in this field to start a business, I went to make a small investigation, ran Beijing dozens of banks, found that the aunts are still buying the bank's financial products, or5A little more annualised rate, what does that mean? One is that they are comfortable with the security of the bank's investment, and the secondPeerDevelopment is not strong enough, the promotion is not thorough enough. If aPeerCan tell them, in fact, the bank can do the security, we can do, but also more than the bank's interest rate is several times higher, the most important thing is that our service is much higher than the bank, you do not have to squeeze the counters do not queue, at home as long as the Internet will be able to achieve easy investment, get high returns, I think At least they can divert a portion of their money from them. From the perspective of domestic development, there are currently +A number of platforms on-line, but with domestic demand than is still far from enough, so the business is still in line with market demand.

5 , what do you think of the future development of peer -peers?

Peer development is going through a disorderly to order, is a gradual norm of the process, although in recent years there have been some platform to flee, fraud, etc., but the mainstream of the industry is good, most of the platform still want to do some real things, the financial needs of all of us to promote. At present, our industry is placed under the management of the CBRC, the CBRC has set up the general Financial Department, may awaited the regulatory policy to be introduced soon, but no matter how, to long-term development, the platform must be based on two points, a law-abiding, two to innovate, these two points seemingly unrelated, but the foundation of Platform development, law-abiding is Before the introduction of regulatory policies to comply with relevant laws and regulations do not engage in illegal fund raising and other matters involving four red lines, after the promulgation of the regulatory policy must be followed, to operate legally, or sooner or later, innovation is the key to the platform competition is the core magic weapon. At present, the domestic platform is really homogeneous, the operation of a single, but we are also trying to find their own positioning and development model, many platforms have begun a new mode of exploration, the future platform will appear in a variety of segments, play is different, so the future development of peer -to will become more interesting, More diverse and contribute more to society.

Reporters in the Self-Discipline alliance on-site interview with the Executive chairman of Kyoto loan