The rapid development of mobile internet has spawned more innovation and subversion model, taking internet finance as an example, the rise of balance treasure and peer-to-back finance has made everyone see the huge development potential of internet finance, in this context, more enterprises want to make a fuss, in the context of the rapid development of internet finance to get a cup of soup.
This would have been a good thing, but specific to different patterns, the situation is different. Although the balance of treasure and peer-to completely open up the development of the Internet finance space, but there are still some problems in this area, such as the existence of peer management, such as the collapse, run and so on, so that the industry began to re-focus on the development of internet finance.
In fact, in addition to peer-to-face banking, other Internet financial subdivision model can not be said to be impeccable, in addition to the balance of treasure this model is very reliable, other models in the feasibility of not completely stand up to scrutiny. As a simple example, a small cash loan widely discussed online now is one of them, so what is the problem with this model? What about the prospects for development?
Take mobile loans For example, the company's main business is small cash loans, it is reported that mobile loans are mainly for the lower income of the Moonlight clan, these people may be shut out of the bank, so they can provide micro-loan services to solve these people's consumption needs. Moreover, the mobile phone loan also uses the peer-to-hand mode, why is peer-to? The front end is the user who has the fund demand, and the latter is the investor who contributes funds for the platform, which mainly includes two categories, one is VIP investor, that is some funds abundant friends to provide funds, the other is the most important, is and a lot of financial management peer platform cooperation, through the form of financial products to aggregate investors.
It seems that this model is very beautiful, but I have to ask some questions, these questions related to the future of mobile phone loan can be bigger and stronger, is dead or alive.
How does mobile loan guarantee security?
First of all, how does mobile lending guarantee security? I downloaded the app to try, the software is not complex, but the less complex but the more I worry about it? Since the issue of money, the platform how to ensure the basic security, we know, now online trojan, virus is a lot of, and users to normal borrowing, must enter the relevant ID card information, work information and other important information, which exist information security hidden trouble to prevent. As there are not many people using the app, there are no related unsafe reports on the Internet, but these potential risks are also worth warning.
In addition to basic information security, it should be more concerned about the security of funds. Just now, the platform must have someone to invest in, you can borrow money, so that this and peer-to-net loan has some similarities. But peer network lending is mainly to lend money to large enterprises, institutions and so on, and mobile loans are mainly targeted at individual consumers, and the quota is not big.
As we all know, the peer-network loan has a lot of money to run the situation, the reason is no more than two levels, the first is the platform investment project out of the problem, resulting in the inability to collect money on time, the ultimate platform capital chain break, forced to flee; the second is the platform from the beginning of the tricksters, attracting investors to invest money The early use of their funds to pay the investment proceeds, but absorbed funds to a certain amount immediately after the run, this is the typical Ponzi scheme.
So, will there be a similar situation with petty cash loans? I dare not say, but let me put money into the mobile phone loan this obscure company, I really do not trust, even if it does not run, I also worry about the borrower is not good faith, resulting in my inability to collect money on time, because when the funds really arise, you rely on the platform to help you Dunning, make up your losses, I just want to say
For this kind of risk, how to explain the mobile loan? Unfortunately, in the mobile phone loan of a lot of soft text and news reports, I did not see the relevant risk tips, there is no specific description. In one article, however, I saw the following:
"But based on the current state-to-peer regulation, investors and borrowers must be a one-to-ones relationship," said Yu Liang, founder of Mobile loan, who will sign a tripartite agreement to complete one-on-one work according to regulatory requirements. ”
In fact, this has the side implied risk hint, unfortunately, mobile phone loans do not directly to investors and users after one-on-one, in case of funds can not be recovered, how to solve.
So in the author's opinion, the model of mobile loan is still very uncertain, the risk is immeasurable, if investors want to invest money inside, it is best to think twice.
Is the mobile loan business model reliable?
Next, let's discuss the second question: Is mobile lending business model reliable? According to the 21st century Economic report reporters that the main income of mobile loans is the borrower to apply for loans to pay the handling fee, a sum of about 30 yuan, and the borrower five out of 10,000 of the interest income per day is all owned by the investor.
I believe that people who know the credit card are aware that credit card is free of charge, and the general bountiful brush enough six times, will be exempt from the second annual fee, and some banks also cooperate with the car wash, the introduction of credit card delivery washing service. At the same time, the credit card still has a certain interest-free period, it is this interest-free period of existence, just let credit card into a money-making tool. It can be seen that the cost of using credit cards is very low.
Compare the mobile loan, both to the handling fee, but also to the interest, and credit card compared to what advantages? On this, the mobile phone loan is that the credit card threshold is higher, our threshold is low, borrowing is relatively easy. However, now the threshold of credit cards is actually not high, the average monthly income of two thousand or three thousand people also casually handle credit cards, it can be seen that mobile phone loans are untenable. Then again, if even the credit card can not handle the person, you will believe his credit? Would you lend him the money? Do you believe that the platform will help you control risk?
So, the market expansion of mobile loan is a big problem. Mobile Loan founder Yu Liang revealed that last year, in the absence of vigorous promotion, mobile phone loan app Download volume has exceeded 1 million, the issuance of more than 400,000 credit loans. This data has no moisture, everyone to think about. But I am around the 10 dozen friend did a small survey, around almost no one willing to choose mobile loans, because the cost of borrowing is too high, and the quota is too small, purely chicken. Moreover, even if the mobile phone loan can maintain this situation, the small fee is probably not enough normal expenses.
small loans will be the giants of the world
The last point, I think, the small loan will be the bat such giants of the world. First, the money is not a problem, because their own enterprises have money, no need to borrow money from third parties; second, the user is not a problem, bat itself has a lot of users, no need to spend much money to market expansion; third, the user credit can be more comprehensive judgment, bat user data rich, The user's credit can be scientifically and rationally judged, both in the resources, or technically, than the mobile phone loan this small company much stronger; The bat has a wider range of life services, such as online shopping, group buying and so on, can provide users with more consumer scenarios, form a complete closed loop from borrowing money to consumption.
What kind of services can you use, in addition to providing basic borrowing services, in turn, by looking at mobile loans? What if you take the borrowed money to another platform to spend? Then this cost may go up again, because a link is divided into several parts, each part wants to make money from it, how can cost not improve?
For the bat and other giants, now they are also beginning to focus on micro-loan market segment, it is certain that the mobile phone loan platform without any advantages, the future of competition will be more and more fierce. Through the above comparison analysis down, you think the mobile phone loan this platform has much development potential? Of course, perhaps they are not worried, because just completed a financing, for entrepreneurs, financing to burn money is normal. But will investors continue to invest if they only burn money and have no results? How long can the money be burned on the book? (Wen/Wangyi see qq:543415188)
The outlook for small cash loans is unclear, and the mobile loan model is unsustainable.
