State-owned Department of Peer-to-peer Holding group heating, analysis of Pain point where

The emergence of internet finance, so that peer-to-peer network loans industry to become investment stars, and the frequent outbreak of risk events to the forefront of the industry. Let countless investors excited is that the listed companies, corporate bosses, commercial banks and even state-owned capital have been involved in this industry, making such platforms, especially "state-funded system" peer-to-peer more favored by investors. But "back to the tree to cool" behind, countless countries have a peer-to-peer platform system is difficult to break through, equity incentives difficult to follow, promote the existence of limitations, such as many pain points.

State-owned Department of Peer-to-peer Holding Group heating

"Back to the tree good shade", this sentence is true, the state-funded system Peer-to-peer platform has also been sought after by investors. At the same time, the current state-funded platform of the report card is also good, such as the National Development Bank headquarters and the Jiangsu provincial government to launch the preparation of the national team opened a new loan up to the current scale of 7 billion yuan breakthrough, the public letter financial line more than half a year, trading scale has reached 1.4 billion yuan

And in view of the high interest Peer-to-peer platform problems frequently, many robust investors in the choice of platform more emphasis on the platform's wind control capabilities, so the background is strong and operating norms of the state-owned, banking platform to become the first choice for such investors.

Speaking of the advantages of a peer-to-peer system, in recent days by the Internet Finance China Bank Organizing Committee, China Internet Financial Investment Alliance sponsored by the "state-owned Peer-to-peer Network loan strategy Development Seminar", a number of state-funded platform executives believe that the main credibility is strong, rich resources, more rigorous wind control.

Beijing North Finance President Romingxiong said that 2015 is peer-to-peer Network loan industry watershed, in the general decline in the industry interest rate, the state-funded platform how to hold a group of heating, big increment, need to carry out in-depth discussion. Romingxiong that the advantages of the state-funded Peer-to-peer platform are strong financial strength and background, with greater credibility.

However, the seemingly advantageous state-funded system platform is also facing the higher cost of passengers, recruitment difficulties increase, and other multi-level issues.

Pain Point One: Network marketing does not give force

In the seminar, many national-funded peer-to-peer platforms have put forward brand promotion and network marketing issues. Jing Bei Financial Research department manager Hou Shaokai concluded, "on the network marketing issues, there are four of the boss put forward, the recruitment problem, there are three of the boss put forward, the issue of equity incentive, there are three of the boss put forward the issue of brand awareness, two of the boss to put forward ..."

Shaanxi Gold control and Shaanxi Bank launched the Jinkai loan President Kakachi pointed out that the most troubling is the platform for publicity and promotion issues. "A lot of peer-to-peer platform to promote the way is to burn money, but as a state-funded platform, may promote the strategy is not so radical, while burning money is not just can be burned, so in the promotion is still a big problem." "A state-owned senior executive bluntly. Kai Xin Loan Deputy general manager Zhou Jihan Blunt, whether in the equity incentive or promotional promotion above, the state-funded system has certain limitations.

Experts: COO Tanyang pointed out that two times conversion is not a problem, the most important thing is how to complete a arrival. To solve this problem, brand Cross-border online activities, accurate customer classification is very important. For Peer-to-peer platform operations, Tanyang stressed that they do not agree with large data, enterprises should actively build the scene, while allowing users to participate in the scene construction, in order to improve user viscosity. "Peer-to-peer platform should be the Internet financial market lending industry, with a more flexible, high-end, innovative trading structure, rather than simply borrowing." To achieve this goal, the state-funded Peer-to-peer platform also needs to enhance interaction with users and exchanges. Tanyang bluntly. Romingxiong that the state-owned Peer-to-peer platform is safe and sound, but yields are relatively low, and publicity efforts are weaker will not allow investors to quickly notice. Promotion has two ideas: first, the promotional activities, the second is the festival activities. This kind of activity will cause a lot of outside people to pay attention to, so through this kind of thought can import outside investor.

Pain point two: Talent incentive mechanism has not been followed

A Peer-to-peer practitioner is enjoying a high paying spree, but behind the rapid growth in wages is the shortage of talent. Beijing business newspaper reporter found that the Spring Festival holiday ended soon, Peer-to-peer industry's large-scale recruitment attacks, jobs from product managers, operations to brand propaganda, dazzling. Many peer-to-peer industry executives are also worrying about how to introduce talent.

In the seminar, many platform executives mentioned the introduction of talent and the issue of incentives. Earlier, some industry insiders said that the Internet financial companies are different from the traditional industries, the most lack of talent, so in terms of remuneration are based on individual capacity. Yancheng, deputy general manager Huang also said, is still in the initial stage, so the main problem may still be the internal mechanism, or incentive mechanism this is not flexible. "The current pain point is the shortage of talent, this is the current rapid development of the outstanding problems, talent is very important aspect." "German finance CEO Xu San Ming pointed out. Romingxiong also adds that weaknesses are reflected in the mechanism, including the attraction of really good top talent.

Expert ideas: Equity means long-term, responsibility obligations, so many large Internet companies have emphasized business partners. Relevant experts believe that the equity incentive is to stabilize, attract, motivate and identify partners to join the cause, constitute the enterprise community, in the pursuit of the cause of the pursuit of common interests. But as a peer-to-peer platform, equity incentives still need to look behind the support of state-owned shareholders for this innovation. However, in the talent introduction, the state-funded system can not only use the traditional recruitment platform, but also the use of new media tools such as publicity, highlighting their own advantages and visibility, so as to attract candidates ' eyeballs. Romingxiong suggested that the state-funded Peer-to-peer platform must have a staff mobility mechanism.

Pain Point three: project Mining storage Limitations

In fact, not only the common Peer-to-peer platform, the state-funded system Peer-to-peer platform is also facing the problem of project mining.

From the exchange industry into the Peer-to-peer area of the gold vest President Juangdongping that the main pain point is that the initial stage of the platform project by the seat members to provide and rhythm is not controlled, there is a shortage of supply.

Tanyang pointed out that the main problem facing the state-owned Peer-to-peer platform at the present stage is the lack of funds and quality assets, and the bottleneck of future development is the contention for high-quality assets. The development of the state-owned Peer-to-peer platform should be more planned and more responsible, and the existing trading structure is too simple.

There are also a number of Peer-to-peer platform executives lamented that investors may now be better than borrowers, borrowers are not anyone with the need to borrow, but high-quality, can cover the risk of borrowers.

Experts: Kakachi that the focus of project mining is to have a reliable repayment capacity and repayment will of quality borrowers.

Peer-to-peer platform should adhere to the principles of small amount, on-the-spot due diligence and localized operation in the project selection. In response to the cooperation between the platform and the small loan company, Kakachi pointed out that "the role of the cooperation agencies in the business model is very important, so the security company's audit should be particularly stringent." Verifying the purpose of the project and keeping the information unobstructed are the rules that should always be followed in the project mining process.

In view of the problems faced in the project excavation, Kakachi points out that the quality of the collateral, how to not touch the illegal fund-raising red line and whether to carry out the rigid payment are the important factors restricting the development of peer-to-peer projects, Peer-to-peer platform should be paid attention to.

(Original title: The pain and injury of the state-funded system)