P2P network loan platform and bank competition advantage?

Xiaobian talk to you about the network loan platform can take counterattack. Take a look at the private capital platform in the face of low interest rates competition can use what means to fight back right. Chinese banks, if they must be professional, should have two major capabilities. The first is to assess and recognize risks. The second is to create new financial services or the natural ability of products. The latter can be for the time being, as this is a privilege and can not be done by any bank or bank. It is not a topic of concern to this article as to whether this ability is good or bad at the bank level. As far as the first capability is concerned, the bank is very prominent because from the very day when the bank was born, he knew deeply that the financial is the management risk and the foundation that the bank has been settling for decades can not be underestimated.

However, because banks are facing too many industries, it is doomed to have no way to become experts in all industries. In other words, banks may not compete with each other if there are P2P platforms that can become experts in a particular field. In this regard, the platform has actually come into existence has become very distinctive.

For example, Yiwu Loan specializes in Yiwu local foreign trade small businesses business, according to the platform for the local form of foreign trade judgments and understanding, combined with the actual needs of traders and credit status, business conditions and then on-line project; money and more .jiedai.cn) is focused on the realm of mortgage loans. This platform has a wealth of experience in mortgage and car loans. And most importantly, the wind control methods they use are more stringent than those of banks. So soon, Robust and renowned industry.

The inspiration for these two platforms is that the more elaborate and more technologically demanding the more competitive the future, and the simpler and more easily copied business, the lower their core competitiveness. In this sense, the big data that may be relished by various platforms and mainstream media may not be the weapon of the online loan platform in the future, and it is quite possible that it will become a nemesis.