Peer-to-peer economic growth in the era of mobile internet

After the taxi app fire is gone, we may as well focus on more automotive applications that have accumulated in the past few years. Car Navigator, mobile navigation app, road share app, electronic dog, OBD application, fetal pressure monitoring app, some pure software, and some hardware and software combination. By CarPlay or driverless cars, the Giants work in the automotive sector, Tesla simply reinvent the wheel.

Car rental apps are endless, more convenient

For Internet players, it is more realistic to offer simple internet applications, because the barriers to making cars are still high. Tick type taxi app,uber type car hire app, carpool app, class Waze, "car ants" such as the service app and "E generation", are such. The latest fashion is Peer-to-peer rental applications.

It was founded in Singapore and in China gongchenglvede the most typical PP car rental. It helps people with driving licences to find nearby idle vehicles via app. Through the PP car docking, trading, payment can be completed after the car to pick up.

In order to complete this process, the PP car rental will be the first to access the owner of the certification, in the receipt of a deposit after the PP car will install a smart device. Through this device, car owners can monitor the route and use of the vehicle, and the car hire can use app to open the door, so that car owners and car buyers can pay without meeting.

Unlike the Uber, easy to wait for car rental app, pp car rental is more than half a year to hold a driver's license to rent a car, rather than a driver with the rental, which avoids the "black cars" regulatory risk. Carpool app, taxi app is attached to the driver to rent, and the app is only rented driver.

PP Car rental is the traditional rental companies such as China's business, to solve the problem of the docking of idle resources. From the model point of view, it and 58 with the city or Airbnb there is no essential difference. The former is a newly listed information classification Web site, the latter is a peer-to-peer rental of vacant applications, in the upcoming new round of financing, valuation or more than 10 billion dollars.

Peer-to-peer economy Popular, the magic of the Internet

PP Car rental application is a big market, it helps people who do not have cars or in some situations can not use their own cars, it is convenient to use the car is idle. Peer-to-peer mode unification is summed up as "collaborative economy" or "shared economy", that is, to allow idle resources, or resources idle time to be shared to those in need. The resource utilization of the whole system is improved.

Through the app let resources and demand seamless docking, before I was summed up as "I want me to have" mode. The process by which one party initiates demand, the other responds to demand, provides resources or services, and it is a local demand docking platform. Taxi app, car hire app, home Economics app and second-hand transfer app all belong to "I want me to have".

The use of peer-to-peer patterns in the mobile internet era is becoming richer. Let the project to find funds of the public financing model and Peer-to-peer finance is a typical application, and recently even appeared a package of delivery Express app, you can temporarily act as a courier to help express the company to take parts, send pieces.

The best scenario for Peer-to-peer is to have a scarce resource on one side and a relatively urgent demand for the other. You can look at the first place Peer-to-peer: network downloads. Peer-to-peer downloads break through the reliance on the central server and out of its content control, so that people can freely share resources, the scarce bandwidth resources to make full use of. The bit currency based on Peer-to-peer storage uses idle computing resources to "mine". Public, taxi app, car hire app and PP car rental, are to help people access to scarce resources.

Without the internet, information asymmetry, scarce resources must be distributed through one or more third parties to the demand hand. Each more link means more cost of circulation, the ultimate use of resources of the people to pay more natural. The magic of the Internet is to break information asymmetry, accelerate the flow of information and resources efficiency. Electric Business website, millet mode, where to go air tickets, are used to knock off the traditional industry links, and thus subvert the tradition.

Peer-to-peer mode will be transparent to the limits of information, it does not have any intermediate links, no one organization to increase the cost of circulation, demand and resources directly linked. Of course, the PP car such a platform will charge a certain service charge, but the proportion is not too high, especially in the background of the competitors gathered.

Peer-to-peer economy will become increasingly popular.

What are the opportunities and difficulties of peer-to-peer economy?

With the information closely related, and there are intermediate links in the field, are peer-to-peer economic opportunities.

The media, a traditional institution that produces information and circulates information, is being burned by the flames of media and new media. The biggest feature of the media and new media is the direct connection between the person who created the content and the content of the consumer. The way is the public account, is Baidu Hundred, is various from the media and new media platform, as the intermediate link of traditional media order was disrupted.

Finance, too, is closely related to information and is also affected by peer-to-peer economy. Banks make money through spreads, and now savers and borrowers can borrow and finance directly from apps.

Education, the dissemination of knowledge and enlightened wisdom, the core is the same information, and with the help of the Internet, teachers are directly linked with students, schools are bypassed, including new Oriental and even traditional schools, are feeling the threat from YY.

Everything is closely related to the information, all the resources and requirements need to be a number of links to docking, are Peer-to-peer mode of opportunity. Previously, more models were P2B (Business) 2P or Peer-to-peer (Platform) 2p,b and P took too much.

Peer-to-peer is not everything, it has inborn defects.

First, the question of trust.

Taobao can subvert the traditional retail organization, the seller and buyers to establish their relationship, because it established a set of credit evaluation system. Peer-to-peer entrepreneurs need to provide corresponding certification services, transaction security system and credit update mechanism.

PP Car rental Faced with this problem is even more serious, because the car is very easy to create disputes. PP Car rental through the introduction of special insurance, with the public Security Network and the Ministry of Transport Cooperation and system integration to obtain existing data, installation of intelligent tracking equipment and leasing both sides of the mutual evaluation mechanism to establish such a credit mechanism.

More reliance on the credit system also has peer-to-peer lending, public pay, education and other business. No one has dared to find a teacher or a tutor to educate themselves or their children through an app or a website.

Second, the role of the platform.

If the platform does not charge a service fee, it is natural to eliminate the intermediate links, so that the interests of resource owners and demand side are maximized. PP Car rental Current rental price of about 7, 80% of the traditional rental companies, in order to educate the market, no service charge. However, a 30% service charge may be charged in the future. In other words, there will still be intermediate roles.

Other Peer-to-peer economic models profit by charging intermediate service fees, and most of them are resource-oriented. They also have a common feature is that in order to educate the market at the beginning, in order to attract the owners of resources, often free or even in turn. For example, Baidu Hundreds can now be divided into 100% to the author, Taobao early is free to invite sellers settled in, taxi app even to taxi drivers to send money.

After the platform has grown up to grasp the right to speak, there is a precedent for the platform to squeeze resource owners. Taobao master the seller's life and death, you can charge a variety of fees, through the flow to control the seller, let the seller willing to dig advertising fees. Other peer-to-peer platforms are likely to repeat the process.

In the past, intermediaries were vampires. Now there is no intermediary to the platform, but the platform is likely to become another intermediary.

Finally, the quality of service.

If you let everyone act as a courier, not trained people how to compete with the professional courier? Whether it is commodity inspection, delivery speed and service attitude, I am afraid and express brother has a gap. "Soy sauce is better than doing push-ups," everyone has their own good things.

There are problems with PP car rental, peer-to-peer lending, Peer-to-peer Media and Peer-to-peer education.

Private cars in the maintenance, car and other services on the professional degree than professional car rental companies; individual borrowers after borrowing the ability to collect debt without traditional financial institutions strong, will be more vulnerable; from the uneven media level, in terms of content quality, news literacy and other aspects and traditional media also have a gap; Individual teachers may not be able to provide the same facilities, educational environment and course system as well as schools.

House Lease selling app has already appeared, the reason is that China's rent-buying process is too complicated and cumbersome, need professional intermediary with their own professional ability and unique resources to quickly fix.

Institutions have institutional benefits, and individuals have an individual advantage. Institutions are rewarded in the middle of the link because they do create added value, in addition to information and services. Peer-to-peer and P2 (o/p/b) (Organization/platform/Enterprise) between 2P may always be the state of integration, since the media will have a brokerage, Internet education will appear team ... Entanglement is inevitable.

Mobile internet, especially in the 4G era, people connect the network anytime, anywhere, anytime to initiate, respond to demand, connection becomes easy, peer-to-peer economy unprecedented. 58 the same city ancestor, the classification information website Craigslist founder Newmark in 2005 years has proposed "free person's free union" the idea, the Peer-to-peer is doing, is lets the free person be able to unite freely, lets the demand free with the resources low-cost, the high efficiency seamless docking.