Mountains fly out of the "golden", Chashma Network take the first step

March 31 News, the manufacturers will produce "Internet +" concept products as the new direction of industry development. Recently, Shanghai Ma Network founder Ningrui in an interview with Sina Technology, said, "Internet + Finance + Travel" will be the next focus of the Chashma network to conquer the field, has been with the Beijing Bank and electric vehicle dealers jointly launched the electric car Pu Hui Financial services, the future will be through large data mining users derived more financial needs.
 
Mountains fly out of the "golden"
 
when it comes to Chashma's creation, Ningrui admits: "Before considering this project, we conducted a lot of market visits and data analysis, and found that 87% of ordinary people in China have no credit records, This is a very alarming and huge number. "
 
sees this situation and sees its own opportunities. Later, Ningrui and his team studied in remote markets such as Yunnan, and later discovered the huge market for electric cars. In our country each year new energy electric vehicles, motorcycles, tricycle electric vehicles and four-wheeled electric vehicles sales of about 80 million units, if you can do some Internet innovation in this industry, the development of the project is undoubtedly huge.
 
Ningrui said, "Perhaps a friend in the north may be surprised by this number, because in the one or two-line city, the share of electric vehicles is largely replaced by private cars, while in the three or four-line cities with limited purchasing power, many families choose to buy electric vehicles as vehicles." "In view of their belief that the Internet innovation has been limited to the electricity quotient, but because the goods and the audience does not match, the net buys the user mainly concentrates in the one or two line city, but the electric vehicle biggest purchase group has not the net buys the custom." So in terms of current data, the online sales of electric cars can be said to be appalling. Ningrui explained.
 
The innovation of the Internet is diverse, the volume of the industry can provide unlimited possibilities, in addition to the electrical business model, there is no other means of subversion of traditional industries? Marketing industry Ningrui and a lot of friends in the market after many visits, an exciting idea appeared.
 
Preempt the payment entry
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in the industry observation of the electric car, Ningrui found that the three or four-line city electric car shop in order to promote business, still retains the traditional way of credit, the buyer often dozen a white-striped, took away the car, He also saw the pile of white stripes on the table of an electric car owner.
 
"Traditional IOU let the boss very pressure, the front of the payment is not back, there is a backlog of inventory, and even for the sales of smooth shops, due to the pressure of capital turnover, the seller to wait for a number of cars sold out, only to fund into the next batch, A period of gold sales in the middle is often wasted. Ningrui concludes.
 
Why don't these shops get a loan and buy a carWhy don't people swipe credit cards?
 
Ningrui introduced, in the case of Yunnan study, these ordinary businesses, the user's credit record is actually very good, more than more than 10 years of electric car stores only a single digit of the bad loans. Although the income is not high, but because the three or four-line city population mobility is small, the laborer not only is very simple to abide by the good faith, at the same time because the circle is small, does not return the money the moral pressure compares the big city to be heavier.
 
When the idea crosses Ningrui and the team, the things that Chashma to do are immediately in their minds. Use Europe's more comprehensive credit model to evaluate users, score qualified buyers by virtue of credit to obtain loans (interest-free treasure) (Interest-free, the implementation of the 6-month stage 0 pay 0 processing fee 0 interest to buy a car, the seller to obtain payment (turnover treasure, 1 years of interest-free to obtain working capital, 3 days to the lender to the merchant) for trading, Release each other's financial pressure, in the cultivation of these users "your credit is very valuable" consciousness, in order to implement the Pu-hui finance to pave the same time, Chashma take this opportunity to occupy the vast number of electric vehicles buyers and sellers of the payment entrance.
 
However, this is the first step in the Chashma strategy. Next, Ningrui said, they will also launch virtual credit cards and tap into other financial needs derived from the user's large data.