Meow Loan: A typical campus installment purchase product

Abstract: Like is presumptuous, love is restrained last week is black Friday, another shopping carnival, this should be presumptuous days, but for many college students, but it is especially necessary to restrain the time, after all, the consumption capacity is limited, the sale of kidney channels is not easy to find ... Ride

"Like is presumptuous, love is restrained"

Last week is black Friday, another shopping carnival, this should be presumptuous days, but for many college students, but is particularly necessary to restrain the time, after all, the consumption capacity is limited, the sale of kidney channels is not easy to find ... On the Internet financial Dongfeng, there have been a number of specialized to meet the university students to purchase the Internet financial products, meow Loan is one of the products by installments.

Meow Loan is a typical campus purchase products, through the credit review of college students, you can enjoy the first purchase, and then installment repayment of the exclusive Consumer financial services. Some time ago a user will meow loan Po in the next, attracted my attention.

Later in their communication with them, meow loan is only started in mid-July this year, the September is officially on the line of the project, now an average of 600 orders per day, mainly to 3 C category, the average price of 3000 yuan per order, the daily trading flow in about 2 million, November is expected to break through 60 million yuan.

Regardless of which group, all the products are the essence of the financial services, behind the competition is actually the wind control capacity and operational efficiency.

In the area of risk control, according to the Meow loan to 36 Krypton revealed, set up a longitudinal network wind control structure, to different regions, different roles (users, merchants, channel agents) for the corresponding anti-fraud, authenticity, credit degree of three dimensions of the comprehensive evaluation. Risk control will be realized through the whole process of business expansion, area expansion, user acquisition and consumption scene access through O2O.

On the one hand to meet the needs of college students, from the study, life, entertainment and other dimensions of the provision of goods; On the other hand, the wind-controlled external audit department will visit every open school, according to the different areas of students living expenses, consumption structure and repayment capacity, set different approval line, and through customer service, Campus services team, The students to buy and purchase phased guidance.

In terms of operational efficiency, the Meow loan is actually the internal incubation project of the PDA, there is a richer industry resources, the team also basically comes from the electricity quotient, the payment, the finance domain.

In addition, and other whole category of campus products different, meow loans more emphasis on "special selling" mode, the product is relatively concentrated, mainly to 3C consumer electronics mainly. Meow loan to 36 Krypton said the special sale mode of staging product is more apt to gather burst demand, for business end, the partner is easier to concentrate stock, also can optimize from submit order to deliver goods of operation flow speed, to the user, can enjoy better price and quicker approval arrival service.

Finally, for the campus staging products, there are two places that are especially worth mentioning, the student's credit system and the student's creditor's rights.

Phased product front-end in meeting the needs of students, the back-end of the accumulated student credit system and trust database, in the long run may be more valuable, can be supplemented by the existing personal credit system. In the future, enough to improve the Internet credit system, will certainly become a variety of internet financial services at the bottom of the support.

Because of the installment shopping, the Meow loan is equivalent to holding a large number of student claims. Meow loan to 36 Krypton said, because the university students ' creditor's rights risk is low, the crowd disperses the wind characteristic, belongs to the high quality creditor's rights, easily obtains the Peer-to-peer platform the favor. Now the central bank's regulation of Peer-to-peer platforms has not come out, and if relevant regulations are in place, consideration will be given to compliance operations in the relevant context.

Of course, for college students, there is a phased shopping products, still need to learn to restrain ...