"Cat and Dog" into the peer-to-peer industry, only to extend its industrial chain

Two days before chatting with a friend around, we chatted to peer-to-peer network loan industry. He said, "for the balance of treasure, wealth management, hundred hair and other products, the best interest rate of 8%, is currently stable between 4%-5%, which is only a bank of the year's fixed deposit rate of 3% higher than 2%." However, interest rates in the peer-to-peer sector are generally around 10% to 30%, averaging around 14%, which makes most ordinary people uneasy. In the face of such a peer-to-peer industry, the temptation of high income, oneself can only always hold the attitude of wandering and watching.

In the 30 years of reform and opening up, "daring" people in the 90 's to make a pot full of futures stock, or through their own business also become China's first generation of entrepreneurs. And some "cautious" people are conscientious, can only stick to an ordinary working family, living the most simple ordinary life.

We cannot deny that the constant change of "income" and "risk" has always been a thoughtful philosophical problem in the economic market.

Recently, a media report said that Beijing-east High-profile announced into the Peer-to-peer industry, its Jingdong Financial Group is a drastic recruitment network loan talent. So, Jing Dong is how to play Peer-to-peer network loan? What are their business models?

In this respect, the network loan risk appraisal organization loan out the CEO Wang Shouyan said, "The electricity merchant enters the Peer-to-peer network loan industry is sooner or later the matter, they only extend own industry chain, will not have the big influence to the industry, will not cause the industry to shuffle". Similarly, if the chemical industry, education, energy, medical, culture and other industries have entered the Peer-to-peer industry, it will not affect the entire peer-to-peer industry.

Then, with the company's access to peer-to-peer industry, ordinary consumers can really become investors, will achieve Peer-to-peer network loans "national"?

In fact, the Beijing-East financial Peer-to-peer network to do is the supply chain financial model. First of all, we analyze the Beijing-east to do Peer-to-peer network loan entrance, in fact, is his supplier. For example, Jingdong and his rechargeable supplier knot period is 3 months, then the Beijing-east as the rechargeable brand of party A, has suppliers of outstanding money. Then Jing-dong can give it a credit guarantee, let the suppliers smooth loans, investors also have investment protection.

And for online users can be rich in the money is the first investment in the platform of the standard, and then have the investment income after the net purchase goods. In the whole process, Jing Dong only platform to achieve the suppliers and consumers to borrow and finance two-way demand.

and Ali Financial Peer-to-peer network to do is Credit loan mode. Because Ali do Peer-to-peer is based on the supplier, online shop large data analysis. By checking all deal orders and monthly sales statistics, the credit rating of the lending enterprises, this is Ali based on large data analysis of the unique advantage. and Ali do Peer-to-peer network loan platform The biggest convenience is Alipay convenient capital flow.

So what are the advantages of a peer-to-peer network loan?

First, electricity dealers do not have to spend a lot of manpower looking for investors and projects.

Second, the electric business platform technology is relatively mature, flat operation experience is richer.

We from the Beijing-east, Ali Peer-to-peer Network loan model, Peer-to-peer industry has a "flat", "circle" personality characteristics.

For example, we often see some peer-to-peer platform dedicated to the loan of the premises, the borrower's investment projects are mostly real estate, characterized by the interest rates on these platforms are generally achieved, the platform's risk index is also higher. For example, Peer-to-peer Network loan veterans Red Ridge Venture has recently spread billion several real estate projects, many investors and the media have expressed its aggressive expansion, high risk index.

Of course, and similar to the micro-credit network such a platform, then only the car vertical area, through the car loan, the borrower is mostly the owners of small and medium-sized enterprises, through the platform to make a car mortgage or pledge, and thus smooth loans. Obviously, the investment risk index of such platforms is relatively small and the yield is very high.

We can imagine that peer-to-peer network loan industry development is only a beginning, the trend of the development of the vertical industry. To be sure, peer-to-peer industry is destined to be a wonderful movie, because it has a good story to begin with.