Confessions of an Internet financial entrepreneur: standing in a tuyere, pigs can really fly

Intermediary transaction SEO diagnosis Taobao guest Cloud host technology Hall

Author: Huiyi Finance CEO

March 16, Flower Fruit Finance (www.huaguo.com) officially on the 75th day of the line, the cumulative turnover of 286.39 million yuan, more than 30 times times the original plan.

Of course, as a peer-to-peer loan product, more than 200 million of the business volume in the bank, that is, a second-tier city, a senior credit manager of a quarterly business volume, that is, we use dozens of people PK lost a bank of a business manager, there is nothing to be proud of.

Of course, the smart reader must have seen it, the above paragraph is implicit, for a start-up internet finance company, this growth is not easy, but in today's peer-to-peer industry, such growth rate is not really fast, especially in recent months, a peer-to-peer company monthly growth of less than 50%, I'm embarrassed to talk to others.

Into the 3721.html ">2014 years, even though media friends are still immersed in the pessimism of last year's peer-to-peer collapse, it is still worrying that the business model is not feasible, how peer-to-peer companies can survive, and the market side of the situation is another completely different scenario: almost every day, Almost every level above the Peer-to-peer platform, are staged in the 12306-like hot scenes:

In the first half hour of the day, tens of thousands of users began to F5 the page, hoping to be able to buy it in a window of 10 seconds from the sale to the end of the time. There is even a platform, the last millisecond has occurred at the same time the influx of funds, abruptly set the total number of programs squeezed hundreds of thousands of of the bizarre events.

In order to deal with the backlog of millions of to tens of millions of users of idle money (full value but not the product), Web site has to develop a variety of strange money queuing system or system to reduce user complaints, customer service every day to receive dozens of complaints telephone, angry users in the Roar: "I have robbed for more than 20 days, Why can't you buy it! "

Why is this market going to be so hot overnight? There are probably some reasons for this:

First of all, thanks to the media. Peer-to-peer This business in fact has a long history, in China has been 5, 6 years of development, it is essentially a risk loans, that is, for various reasons can not obtain loans from the Bank of individuals or enterprises, with a higher capital price to obtain funds, asset quality is not high, there is risk, More suitable for a certain risk-bearing ability of the financial managers, 2013 years ago, the peer-to-peer as a common financial means of one of the Internet users, not more than 50,000 people, is a niche market.

And in the second half of 2013 media hype, to bring a lot of attention to the market, and there are a lot of smart followers, found that the market even a high-risk market, but after deducting all losses (defaults, running, etc.), the market to the user's average financial return rate of 13.8%,90% The above managers achieved more than 15% of the financial income, so, there are about 250,000 smart users in the second half of 2013 to the beginning of this year into the market. Although the 250,000 users are not a large number, but the equivalent of the previous 5 times times the rapid influx of funds (about 60 billion), has greatly exceeded the market can undertake the amount of money.

Second, thanks to all kinds of treasure. Because of the strong performance of the baby, bank deposits have lost 900 billion in January, and the loss of these deposits has had a side effect, with the corresponding decrease in bank lending, which has squeezed many businesses and individuals that have been able to get their money from banks into peer-to-peer markets, while peer-to-peer markets have increased borrowing resources Asset quality has improved a lot. Flower fruit this month completed a landmark project, the construction of a Beijing gymnasium, the total project financing of 200 million, was originally through the Bank channels to solve, but the bank is not enough, and finally adopted a mixed fund-raising method, through the flower and fruit platform to complete 50 million of the fund-raising. For this kind of large-scale, quality loan project, formerly is the bank and the trust patent, through Peer-to-peer platform to undertake such a project, before is unimaginable, and today, it really happened.

Third, thank the bank. For a long time, banks in China's financial system are in an absolutely strong position, this strength is manifested not only in the bullying of depositors, but also in the bullying of various partners downstream of the industrial chain, such as financing guarantee companies, the bank gives the guarantee company the premium is too low, and put a lot of risk to the guarantee company side, So that the guarantee company can hardly get profits through normal bank guarantee business, so, with the rapid development of internet finance, the upstream and downstream institutions of various traditional banks have started to concerned, subterfuge, put a variety of business resources on the Internet platform, under the temporary, really a little rats meaning.

Here are some of the things that entrepreneurs may be very concerned about: the market looks pretty good, but if you get in today, is there a chance?

My answer is yes, but it's hard. Although from the user point of view, the current market only about 300,000 real users, there seems to be a lot of growth space, but at the other end, that is, with the traditional financial resources docking, after this year's Fast horse rodeo, left behind the space is not big.

But these actually I said also does not calculate, if you decided that you can in this field to make a career, went boldly to do it.

But there are two things I have to give to the comrades who want to get into this business:

First of all, peer-to-peer this boat, go up easy, down hard. Although from the policy level, the recent positive news for the Internet financial, but finance is undoubtedly the most stringent state control areas, from last year's closed Peer-to-peer platform to see the end, whether it is due to normal mismanagement, or malicious fraud, the end of the police are involved in the final. At least in the current, China's financial market supervision or stability of thinking, no matter what the reason, you as long as the people caused the loss, let the people put the government gate around, are first arrested to say. This is really risky, you have to think clearly.

Second, regardless of what kind of gorgeous coat, it is only a part of China's private financial system, in order to do well in this industry, you must have enough ability to dance with the various forces in China's civil financial system, small loans companies, guarantee companies, private lenders, and even B society, are not fuel-efficient lights. It's not easy to convince them to accept the internet and keep them out of your hole.

OK, share finished, thank you.