Vertical-to-peer takeoff, entrepreneurial tuyere reproduction

To say that the current domestic Internet finance which field of the most fire, I am afraid that peer-to-well deserved. Whether it's venture capital, state-owned capital, listed companies, banks, or bat giants and internet startups, they are all in the market. However, the current boom is also pregnant with a huge risk, not only the regulatory measures have been delayed, the industry is increasingly competitive, but also occasionally broke out of the event, some of the platform from the birth to the collapse may be so short a few months, or even shorter.

But the reshuffle of the industry is a good thing for the healthy development of the whole peer-to. There are only a few players left in the future of the whole-peer integration, and most of the platforms are either closed or transformed. At this time, a group of focus on car loans, campus staging and other vertical segments of the peer-to-network loan platform gradually exposed and occupy a place in the market, the new peer-to-venture Tuyere emerged again.

　First, the car peer-to

The current influx to the car-to-peer platform is very much, including micro-loan network, good car loans, car easy loans and other financial management platform. These vertical-to-peer platform market prospects are very impressive, have been favored by investors, car peer-to be a good financial subdivision of the direction of business.

From the owner's point of view, until the end of 2014, the domestic private car ownership of more than 120 million. The car is convenient for daily travel while, when necessary, can also become a financing channel. Once the owner in the urgent need to use funds, the car will be able to borrow with the loan, more convenient than bank loans, faster, this time the pledge-type car peer-to platform naturally become the first choice for owners.

From the consumer's point of view, at present in our country has a large number of new buyers are graduates, working a family, this part of the income is not very high, and as Gen Y, their acceptance of credit consumption is relatively high, this time they buy a car to choose the possibility of a loan is also relatively large.

From the efficiency point of view, the choice from bank loans on the one hand cycle long, but also more stringent qualification audit, and auto finance companies often not enough money, which gives the car a perfect opportunity to peer. There is no cumbersome lending process, especially for some individuals or working-class, the threshold is generally low, the way cycle is flexible, easy to operate, which greatly enhance the owner's borrowing efficiency, especially by those who do not like the trouble of the young people welcome.

But it is quite difficult for an entrepreneur to do a good job of making a financial-to-peer platform for automobiles:

Difficulty one: As a beginning to engage in automotive financial management platform, how to obtain the trust of consumers is very important. It is easy for consumers to feel reliable if they have a strong capital background, but as entrepreneurs, it is often difficult to get large sums of money in the early stages.

Difficulty two: Car finance is different from other financial management, now almost all of the traditional car dealers are either with the auto finance company, or with the bank to reach a cooperation, the peer-to the financial platform to intervene at this time, it must be to the original interest chain to challenge, will certainly be met with their resistance.

Difficulty three: How to do a good job of capital risk control for the long-term stable development of the platform is crucial, because the car financial peer-to platform is relying on a simple and fast qualification audit has been recognized by consumers, and this intangible increase the risk factor of peer-to

Second, students in the stage peer-to

At present, in our country's university campus, the installment shopping platform receives the more and more student's welcome, but in this kind of installment shopping platform, the student purchases the money which often comes from the peer-to-hand financing platform. Investors lend their money to students through peer-to-peer platforms, and the staging fees become their return on investment. This kind of platform is divided into two kinds, one is "p2p+ installment shopping" mode, such as installment music, interest installment and so on, the other is pure-to-peer mode, such as loan, crayon staging and so on.

Recently Chongfu just held in Shenzhen, "Chongfu Cup" internet financial Entrepreneurship competition, from the Chongfu internal incubation project Crayon Phased CEO Shaochongchun to the outside world said, crayon staging is focused on the application platform for college students installment loan, crayon staging app online just 5 months of time, The number of users registered has exceeded 230,000, which is a very rare development rate in the campus student staging platform. So, what is it that supports such students to develop so rapidly in stages?

First, of course, it comes from the strong needs of the students. Many students each month only the parents give the 1000 yuan of living expenses, but for many people, this money is not enough to spend at school. Girls buy a few new clothes, boys and brothers drink two drinks or find a new girlfriend, a few days one months of living without, this time only to borrow money, who borrow? The peer platform just happens to meet the needs of students.

Second, in fact, many people are very clear, college students to compare with each other that is the normal thing. For the purchase of some funds more expensive mobile phones, notebooks or watches, and so on, many students are embarrassed to take care of their parents to pay, this time the choice of installment or peer borrowing consumption is invisible to become their first choice.

Finally, compared to the credit card application, the "campus instalment loan" process will be a lot simpler, basically as long as the students need to provide identification card and student ID (or school card, campus card, etc.) can be processed, even more than credit card, you say students will choose who?

But to do a good job of student staging, the loan overdue rate of college students is likely to be very high and difficult to control. Almost all students have no source of income and can only rely on their parents to pay the monthly cost of living, but students can not bring all the cost of living to the monthly, and even the more likely to owe more. Of course, students borrowing bad debt rate is not particularly high, after all, if the platform directly contact parents, if there are parents "backstop", the risk of campus staging will fall a lot.

Third, the real estate peer

If you want to talk about one of the most domestic loans industry, that must be real estate, such as a good home mortgage, easy to live net loan, Lok Ju network of housing insurance loans, housing insurance loans, housing loans, as well as the Chongfu investment in the start-up company room commander, etc. are focused on real estate peer financial platform. Five kinds of strong market demand, the emergence of real estate peer-to prosperity.

The first type of demand, high domestic prices led to the majority of ordinary working people in the purchase of the House can only choose loans, this is a strong demand for the market. At present, many of the real estate-to-peer financial management platform is the real estate e-commerce platform launched by their home sales, usually to customers recommend their own home-to-peer loans.

The second type of demand is the demand for mortgages, and many people often think about mortgaging their own homes when they need to use large sums of money. But the House mortgage no matter what channel is a not simple thing, there are a lot of formalities need to handle, this need professional mortgage platform is born, real estate financial peer-to also appear.

The third type of demand comes from the rental market. At present, in China, every year a large number of college graduates from the school into the society, just out of campus graduates often need to rent a house, but there is no money on hand, plus the rent price is more expensive, especially in Beijing, Shanghai, Shenzhen, such as the first-tier cities, not only the rent is high, and rents are often bet a three The housing division, which is represented by the House commander, has just met their needs in the housing instalment.

The fourth type of demand, is from the renovation of the house loan demand, currently in the domestic decoration market, decorate a set of about 100 square meters of the house how to also have not less than 100,000 of the decoration costs, which is originally a loan to buy a house of young people is undoubtedly a new layer of pressure, but do not decorate the house to continue to rent the house Even marriage may not be possible, decoration loan peer to meet the needs of this part of the people.

The fifth type of demand, which is a land loan from developers, has undoubtedly become a lifesaver for many small and medium-sized developers who do not lend money to banks, especially in a time of tight housing funding.

While the property is one of the most demanding and broadest sectors of all vertical lending, it is also one of the most risky industries.

1, real estate peer due to the relatively large capital, the risk of policy supervision is relatively large. In particular, mortgages, and developers ' loans, may even be subject to legal risks due to improper operation in some areas.

2, the capital retention risk control coefficient is also relatively high, real estate loan funds are relatively large, once there is no funds to collapse back, it may be the platform of the funds retained a certain impact, which is directly related to the liquidity and survival of the fund.

3, Real estate finance is the entire industry involved in the competitive stakes are very complex, a lot of powerful traditional financial institutions have also launched a real estate peer platform, for such a huge piece of fat they can not easily let go, and this for the entrepreneurial type of real estate peer, will face a lot of competition risk.

Overall, Liu Yan that the future of the entire peer-to-peer industry will be a comprehensive platform and vertical peer-to co-existence of the situation, but the integrated platform will only have a few financial strength of the platform to survive, while the vertical platform will be in many areas of the emergence of a large number of excellent peer-to-air, the venture Tuyere has begun to take At present in the automobile, the real estate, the student installment this several vertical domain, the peer platform already has the massive emergence, the other such as jewelry industry's jewelry loan, the bill business's gold and silver cat and so on is some new vertical subdivision domain peer-to network loan platform, believed in the future will have more subdivision domain to emerge the outstanding vertical peer net loan platform

Liu Yan, Zen Road ponder Internet, public number: liukuang110

Vertical-to-peer takeoff, entrepreneurial tuyere reproduction