Goku allows small white investors to simply make Peer-to-peer investments

for professional investors, but the peer-to-peer level

Every time landing a variety of Internet Peer-to-peer platform, see hundreds of returns, deadlines and debtor information combination, want to choose investment projects, really let a person tangled. The math between these risks and benefits may be as comfortable for professional investors, but the Peer-to-peer platform wants to pry into the long tail of investors, the target audience being the average investor. Financial elites who do financial product design really need to think about how little white investors feel.

Last September on the line of Goku financial management in the user experience to do more efforts. Investors do not need to choose projects when investing, and they do not have to determine the duration of their investment. Money into the investment account, the first month of the annual income is 7%, if the expiration is not extracted, the future rate of return by month 0.5%,12.5% Cap. You can also choose one-year investment with a 14% yield. The product is based on the micro-credit public number, in order to H5 page form presentation, investment needs invitation code.

Their investment plan has achieved no less than the yield of similar products on the basis of ensuring liquidity. More crucially, they freed the white investors from the complex risk and income formula, further reducing the threshold for investment. Wu-air management of the current daily trading volume between 1000 to 20 million, the cumulative investment has exceeded 1 billion yuan.

Under certain risk conditions, many platforms choose a slightly lower annual return for liquidity. Some platforms for high returns, locked for more than half a year investment period. Li Zhijun told 36 Krypton, the user's investment behavior has the law, also can guide. They are able to reconcile profitability and liquidity with no complex financial design, but the product caters to the user's behavioral characteristics.

For 10,000 yuan above 100,000 yuan of deposit, most users want to use the time can be taken, but in fact rarely every month to move the money. So, as long as you can attract investment to the platform, the investment period will rarely be one months. And their coupon mechanism is that each month's interest rate is not only paid on the monthly yield, but also a replacement for the portion of last month's interest due to the cumulative yield increase. This allows users to wait for this day, often to extend the investment time.

Li Zhijun Initial estimates, the average resident time of investment should be 4-8 months, with the annual yield of 10% of the semi-annual investment, which is a very common pricing. However, the investment experience is better when the product form is provided to the user. Product on line 5 months down, most of the early period of investment has been more than 3 months, the basic verification of his ideas.

When asked why the invitation code is used to set the threshold. Li Zhijun said the main investors on the platform were the one and the other, who wanted to build a more intimate relationship with these users by running a fan economy. So a series of activities are organized online. But I am not particularly strong on the point of recognition of the fan economy, and there is a distance between the improvement of the user experience and the loyalty powder.

Goku Finance CEO Li Zhijun is the marketing birth, the university also opened his own shop to sell sporting goods. He does Goku financial positioning is very clear, do not do the usual sense of the financial business, but use their own in the fast-selling industry to accumulate user sensitivity, make user experience good products.

Of course, the matching of risks and benefits is the essence of financial products. The premise of being able to let go of user experience is that the creditor side has already done the professional financial design. Goku finance all the claims from the Fu Fuping platform of personal small financial claims, Yu Yingfu Financial team responsible for the completion of asset-side lending and wind control, as well as the basic debt scheme, Goku can be based on product demand for a certain range of investment plan adjustment.