Crowdfunding, P2P quietly penetrate the mobile terminal

Following the balance of wealth management products, crowdfunding and P2P platforms are also quietly penetrating the mobile terminal. "Daily Economic News" reporter recently learned that a number of P2P platform online APP, promote WeChat subscription number, and even through the Sina payment and micro-Qianbao payment transactions.

"Mobile Internet will be the trend of the times, Internet finance originated in the PC side, the development of mobile just to investors to increase an investment channel, PC and mobile status is equally important now the platform mobile investment accounted for more than half. Dong Chun analysis pointed out.

Analysis of a number of industry insiders pointed out that penetration into the mobile terminal is conducive to reducing the cost of letters of credit, improving the efficiency of the letter batch, and reducing the cost of obtaining quality borrowers; meanwhile, it is helpful for credit card and credit management. But it can not solve the fundamental problems, such as from a technical point of view, the current mobile system security, not as good as the PC side.

Mobile end into a new darling

With the fiery Internet finance, the major Internet giants have seized the entrance of mobile APP financial management, especially Alibaba Alipay wallet and Tencent WeChat competition is the most obvious. Since 2014, P2P lending platform and crowdfunding agencies have been outdone, and have successively deployed mobile APP applications and WeChat, Weibo and other mobile social platforms.

"In mid-February this year, the platform formally launched APP, to investors increased mobile investment channels.Recently, the platform access channel in the micro-channel investment, WAP site is also on the line.With the development of mobile Internet, the platform to give investors more than one Investment channels to facilitate investor fragmentation of investment, the current situation to achieve the desired results. "Dong Chun analysis pointed out.

Tan Yang, chief operating officer of Beijing UBM Financial Information Service Co., Ltd., also revealed that the mobile platform was the main direction of the platform from the very beginning and focused on building its own mobile APP. The first is because of optimistic about the development trend of mobile Internet finance, the mobile terminal will gradually replace the PC side is only a matter of time; secondly, with the company's own background, UF has two major shareholders of finance, Haidian District, State-owned Assets Investment Management Co., Ltd. and Haike Financing payment companies, including Haikyong payment company has a large number of mobile terminal POS merchants, the platform hopes to help these mobile terminal small and medium businesses, use their own idle funds for investment banking, to help them borrow from the country to support the entity environmental protection and new energy industry.

Tan Yang further disclosed that at present the specific mode of operation is that the borrower issues the loan demand through the platform. Investors can view the loan program through the mobile APP, invest the corresponding claims, regularly obtain interest income, track the progress of the project regularly and check the information disclosure, You can also transfer the debt held at any time.

Co-rich CEO Sui Anning CEO also revealed that in the planning of products, the platform PC and mobile terminal on the equally important position to think. Specifically, the first step is to develop the PC side by itself, and then infiltrate the mobile side based on the accumulation of some clients through the PC side. At present, the platform has about 9,500 investor users. When it reaches 5,000, it has developed a mobile terminal based on WeChat public number. Through paying attention to the official WeChat platform, it can realize functions such as registration, bidding, cash withdrawal and other PC terminals. At the same time, WeChat public Number can push the company's graphic message. When the user reaches 50000, the platform will develop Android and IOS APP, truly dual-wheel drive PC and mobile terminals.

In addition, the network credit platform Jinxin network is also actively extended to the mobile terminal, users can pay through Sina and micro-Qian Bao payment transactions; pat online loan pat online also APP on the line.

Not only is the platform for peer-to-peer lending, but crowdfunding agencies are also actively mobilizing mobile terminals.

"Daily Economic News" reporter learned that the recent crowdfunding APP3.0 version released in the mobile phone-side built public crowd board, that is launched in the mobile terminal crowdfunding project, through WeChat, Weibo and other social networks to achieve public Goal.

"Crowdfunding is a ready-to-pay crowdfunding model that only supports mobile client publishing." Crowdfunding's publishing process is relatively simple, click on the + sign in the app, fill in the title of the sponsored item, the amount of fundraising , Fundraising time and detailed descriptive information, you can release a light crowdfunding project.Once the project is added successfully, you can send it to your friends via WeChat, WeChat, Sina Weibo, Tencent Weibo, etc. Friends and family to complete the project crowdfunding. "Crowdfunding network pointed out.

Tan Yang pointed out that from the current point of view, the penetration of the mobile terminal works well. Under the condition that the platform has not yet started large-scale marketing, daily APP downloads, registered users and customer recharge are steadily increasing. The platform's customer interaction WeChat group and QQ group activity are also very high.

Sui Anning also told the "Daily Economic News" reporter, from the effect point of view, the gradual development of the platform is correct. The number of users who participate in the investment through WeChat public account has been on the rise, and the company can "publicize superior forces" to publicize WeChat public account. The Internet is only a tool for Internet finance. It can not change the financial nature of Internet finance. The gradual investment in IT is in line with the operation and development of the company.

"Mobile" is the future trend

According to "2014 China Mobile Internet User Behavior Insight Report" released by InMobi, China's mobile Internet users have an average daily effective media contact time of 5.8 hours. With 104 minutes of use, the phone became the most popular mobile media.

The report believes that the trend of mobile Internet. At present, the mobile phone has surpassed the PC Internet in terms of entertainment, information acquisition and communication, and the mobile finance is expected to become an explosive growth point in 2014. 91% of mobile Internet users expressed their intention to make mobile payment in 2014, and it is estimated that Mobile Finance will usher in a blowout in 2014.

Mobile Internet Finance Through various types of mobile devices such as smartphones and tablets, the traditional financial services have become more transparent, more engaged, more collaborative, lower in cost and easier in operation. First, communicate anytime, anywhere. Mobile terminal more flexible than the PC-side, anytime, anywhere and enterprises to conduct one-on-one exchange; WeChat Mobile can have a large number of fans, but also online interaction, timely information push; Second, the most convenient corporate communications tools . Mobile terminal is more accurate and effective display of corporate products, is indeed the most convenient brochure, no matter when and where, met, just open the phone you can browse the product and service information, to achieve accurate marketing, lower transaction costs; the third , A huge smartphone user.

Sui Aning believes that the infiltration of the mobile terminal will certainly be the trend of the times, compared to the PC era, the mobile terminal more emphasis on user activity and viscosity, the more the pursuit of user experience. Who will seize the mobile terminal entrance, who will seize the market opportunities. To some extent, the Internet economy is the entrance economy, who monopolize the entrance, who owns the user and cash flow.

Tan Yang also pointed out that the main battlefield of Internet finance to the mobile terminal is an inevitable trend, the industry is generally predicted that in 2014 the biggest innovation in Internet finance and growth in the mobile Internet. According to "China Mobile Internet Users' Behavior Statistics Report", as of June 2014, the number of Internet users in China's mobile Internet has reached 686 million. On average, each Chinese spends 46 minutes on their mobile phones. Take the balance of the most commonly used Po, said the current mobile wallet Alipay funds have exceeded the size of the PC. Internet industry, users have the world, so not only more and more crowdfunding, P2P platform began to gradually penetrate the mobile terminal, bank funds, securities insurance and other traditional financial institutions will make great efforts to layout the mobile Internet.

Gold Channel COO An Dan Fang believes that penetration to the mobile terminal means that the platform can provide users with more extreme, timely, anytime, anywhere user experience to meet investment needs. The mobile terminal will be a supplement to the PC, but will not replace the PC in the short term.

Mobile terminal security weaker than the PC side

Lack of credit system, the lack of quality borrowers and opaque disclosure of information P2P industry is currently facing the general problem, then the penetration of mobile terminals, whether it helps to solve these problems facing P2P now? Or in the short term, but to enlarge the industry risk?

"The combination of the Internet and finance improves the efficiency of traditional finance, reduces the cost of acquiring customers and helps to solve the asymmetric information in traditional finance, and the combination of mobile internet and finance is nothing more than a further step. At the same time, the Internet finance The essence is financial, and the nature of financial control is risk control, which includes pre-loan investigation, loan review and post-loan tracking, and these are done by system and person. The Internet is only a means but a tool Reduce the cost of credit, improve the efficiency of the letter approved, but also reduce the cost of obtaining high-quality borrowers, but it can not solve the fundamental problem. "Sui Anning Road.

Tan Yang also pointed out that the mobile end of the P2P platform to enhance user experience is enormous. Mobile terminal has the advantage of enjoying financial services anytime, anywhere, regardless of the environment, whether dining, entertainment or on the road, improve the efficiency of platform services. The widespread use of two-dimensional code and the development of mobile payment technologies have also further expanded the efficiency advantages of mobile internet finance. We are now very popular on WeChat circle of friends, see a good financial products APP, mobile phone directly through the circle of friends to share recommendations to friends is also very convenient. This kind of sharing and recommendation from acquaintances, the effect is far better than traditional PC website overwhelming advertising, as well as a variety of junk phone calls and e-mail.

An Dan Fang told the "Daily Economic News" reporter also pointed out that to some extent, first of all, for credit information, credit management is helpful, if the platform of credit management can do mobile management, the equivalent of the platform Credit information will be more timely and more accurate. Mobile financial, you can better conduct a big data credit investigation.

For whether to enlarge the industry risk? Sui Aning pointed out that the Internet is only a tool, and finance is always to return to the essence of borrowing there is only the king, a heart of financial awe is P2P platform to grow and develop the fundamental. However, in the short term, the P2P platform penetrates into the mobile terminal, helping to attract more customers. Hope that investors in the selection of P2P platform, try to select some rigorous risk control platform.

Tan Yang also pointed out that risk control is a very important issue in the rapid development of mobile Internet finance. Due to the development of mobile terminal shorter than the traditional PC-side, including personal privacy leaks, to prevent financial fraud and other strategies are the need for a high degree of concern.