Electronic business play, Internet integrity value geometry

Recently, in the Internet, a popular credit consumption of the limelight, such as Alipay's "credit Payment", Jingdong "IOU" and so on, small such as online glasses mall http://www.aliyun.com/zixun/aggregation/4649.html " > can be a network of glasses launched a service, spend 1 pairs of glasses money to take away 5 pairs of glasses to try to wear, and then refund the remaining 4 pairs.

Integrity consumption in the credit card did not appear before, is a kind of in the West has a way of consumption, consumers can not pay the case, the only personal credit on the advance of commodity consumption, and then timing pay. In the personal credit system has not yet established a complete China, this consumption can be said to be unheard of, the business to take the risk of great, the resulting credit risk, will be borne by the merchant alone.

If there is a risk control mechanism, can effectively spread the integrity of consumption in the real economy, not limited to credit cards and other financial credit consumption varieties, China's total consumption will be multiplied, economic vitality will be prosperous situation, China will soon overtake the United States, the world's largest and most valuable consumer market, But the reality is unsatisfactory.

Optical network can be used for the introduction of the activities, from the United States online glasses shop Warby Parker model, but the same model in the United States can, in China is feasible, still need time to test. 1 pairs of glasses 199 yuan, consumers pay 1 pairs of money to take 5 pairs back to try to wear, 1 of them make the final choice, and then send the remaining 4 copies, but the final rate of the return of glasses, is an extreme test of national quality things.

This can not help but remind me of the past shopping malls in the convenient umbrella, 100 umbrellas in the rainy day delivery out, the proportion of the return of less than One-tenth. A lot of people do not love petty gain, just to not own property not willing to take the time to go to that heart, free to use when the heart will naturally be so instant moved, then soon forget the first to be cared for when the convenience of gratitude, or greed to stay for their own use, or no time to consider dumping aside. This is the quality of the problem, but I do not know China in the experience of reform and opening-up and social changes, the quality of people have been raised to what extent.

Alipay's credit payment, can be in line with the credit conditions of the user within 5000 yuan of the consumption amount to provide overdraft, and the Beijing-East is based on the user's credit status to provide no more than 15000 yuan overdraft consumption limit. Credit payments and Jingdong white stripes are essentially a credit-like credit consumption, and can get glasses network This office activities, the user's credit qualification without any requirements, and no future recovery mechanism, is more than credit consumption to go farther integrity consumption, in my opinion is a bit risky, but it is a valuable attempt.

Credit consumption in China's growth space is not no, but is very large, the reason is not yet become a trend, is completely China's current national credit system of the lack of construction caused. The high mobility of the population, the imperfect welfare and social security system, the contempt of society's good faith and moral education, the spirit of self-interest and the lack of public spirit are all the reasons leading to the difficulty of carrying out the credit consumption.

With China's rapid trend towards the middle-income countries, the whole society for a perfect integrity system there is a huge demand, but if from the macro level can not be quickly set up this system, then the private fragmentation of the integrity of the system, will be their own development, the private integrity of consumption and even borrowing, can develop their own It's like lending money to friends and relatives, but expanding the outreach of the Act.

If this society's propertied is more and more, everybody has own house, the automobile, the stable work, the harmonious family, does not see any reason will damage own reputation for a little petty. This is the same as in the past, Europe and the United States, will have the name of the house number and the yellow pages of the telephone registration, as part of the people's credit. Go to the furniture store to move a bed to go back first with, or in the tavern credit one months of bills, are daily consumption behavior, no reason will be for this small debt and makeover, incognito from this society disappear.

Can get glasses network this attempt, although it is a commercial behavior, can be regarded as a social integrity of the touchstone, more meaningful. Perhaps the real consumer is not too accustomed to the model of honest consumption, but the merchant has already launched this kind of service, the distance being accepted by the consumer is not far off.

In this process, there will be some problems, such as overdue, prevarication repudiation and other acts, the business should be fully prepared for the psychological, of course, there is no need to see the problem too seriously. There are only a few people who really have malice and want to earn a small profit. The key is that you have not left too many loopholes in the system design, the flow of activity is too disorderly, too many loopholes, so that good people want to move a bad idea, the problem can be mainly out of the merchant side.

Credit system and integrity system are different things, can give their users to establish a good faith system, to the merchant is priceless, this person does not have the House not to have the mortgage, but I was relieved to take the thing to him first to consume, but he finally also can send the money to me, this is one kind of more advanced credit system, is the human society higher level pursue.