"Sword Walk Slant" Li Mingshun: Good credit net is internet finance "matchmaker"

This is the best of times, the internet has given us the possibility to transform all ideals into reality, this is the age of wisdom, traditional finance is beginning to rely on the internet to start a geometric growth, this is the era of faith, those successful entrepreneurs have become the era of the most active "positive energy" unlimited transmission.

The internet and traditional finance, this is a wonderful chemical reaction, but also an unknown cross-border "travel." Although the curtain has been opened, there is no doubt that we know much less about it than the previous changes in the Internet. Exploring the unknown is the greatest pleasure, and finding the answer is the "mission" of the investment community.

In this spring full of entrepreneurial vitality, the internet financial circles emerged a group of entrepreneurial new sharp. Whether they are financial leaders or technical geeks, they have the courage to be fearless and the boldness of the universe. They are the subversive of this era and the change of the Times.

Now, let's take you to the exclusive planning of the investment community-"Internet financial subversion: who is moving our times"

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"Sword Walk Slant" Li Mingshun: Good credit net is internet finance "matchmaker"

Investment industry in the United States red

Convinced that entrepreneurship belongs to the "Li Mingshun", when asked about the idea of internet finance, the answer is honest, "the internet today is very hot, but can not insist on really not necessarily".

Good credit net before 11 years, Li Mingshun already had four times pioneering experience.

The most successful is to create discuz! with Dai. At that time, Li Mingshun is the sing of new technology vice President, the Community forum software system has been the Sequoia Capital and Morning Hing venture, and become the world's largest coverage of the forum software system. discuz! by Li Mingshun as a "stick to the end" of the product, "We do Discuz, did ten years, at that time, many companies are doing this thing, but I think can persist so long, it may be we finally." "

August 2010, Sing wanted to reach a takeover agreement with Tencent and become a wholly owned subsidiary of Tencent. Six months later, Li Mingshun away, gather Amoy online line.

Poly Amoy is a positioning of urban life consumption vertical search site. Group buying website was founded in 2010, since the first group to create the group, the number of group buying site rapid growth to thousands of, providing more than 20,000 products. In Li Mingshun view, and then do a group buying site almost meaningless, he chose the Sword Walk Slant, set up a group buying search platform, to buy products and users as a matchmaker.

And the Internet industry has always been an instant surging, rapid expansion of group buying network finally "decadent down." By the end of last year, the group 800 statistics to the number of domestic group purchase site survival of only 213. However, did not sit waiting for the death of the Poly Amoy in the establishment of a six months after the line of a rebate to save money, the cat, this is the fourth Li Mingshun products.

Last March, the Good loan network on the line for Li Mingshun is a cross-border integration. This was Li Mingshun seven or eight techniques, in Beijing a three two months of hard work into the product is Li Mingshun the second time to do "matchmaker", this time to promote small micro-enterprises and banks and small loan companies to marry, is still the sword to go slant, "We do not lend, not involved in the credit rating, and almost no wind control."

What is a good credit net? Li Mingshun's answer:

A loan service platform that helps lenders build a bridge. For those who want to lend, good loans related to more than 100 cities nationwide, thousands of credit institutions of credit products, for lenders, good loans is a platform to obtain accurate customers, build the bridge between the two, good loans to both sides to do a service, on the one hand is the search platform, on the one hand is a service platform.

Good loans like the bank's online outlets, customers come in words more is consulting and matching, customer is not really successful or rely on this institution, this person is not in line with the standards of wind control, which is the completion of a channel changes, the previous bank's credit institutions to obtain customers mainly rely on offline outlets, the future through the search platform, Such an online portal to do this, mobile Internet and the internet this way to find customers more efficient.

Banks are also embracing the need for mobile internet, they also very much hope that through this new way to find customers, we should be their easiest way to know the customer, they can quickly judge the ability of customers, so that customers can avoid many times to run the bank, but also to avoid the banks are looking for invalid customers.

In the past, banks were unwilling to do so for many reasons, which is that it is expensive to get customers and services, we mainly reduce their customer cost, through the Internet, but how to reduce transaction costs, such as making it simpler is what we do next, before the high cost, the bank to attract customers, Do 10 million and 100,000 dollars in fact spend the collection cost is the same, but in the future through the Internet not only to reduce the cost of customers, but also to reduce service costs, this is our second step.

For example, can centralize the batch processing some needs, the future of our Big Data era is can do, with data synthesis judgment, I see the latest March 1, business data are open, the future of large data opening will effectively enhance the capacity of Third-party service agencies, I believe the bank also saw, Some small credit needs it can be handled in a quicker way, like Ali, it can be fast through the sellers, through the order data, a quick mortgage, the future in many areas should be able to do so.

We do not guarantee the loan, this can improve the time and efficiency, but we will give customers some upfront service, so that they can be more accurate to find a loan to the organization, so the matching efficiency is higher.

We are with Standard Chartered, Citi, Citic, Guangdong, there are a lot of customers to match them, a few big state-owned banks in the enthusiasm than commercial banks slow, but there are customers on top of the good cooperation, ICBC postal Savings Bank. Commercial banks, joint-stock banks and foreign banks, in general, the more commercial banks accept the internet level.

At present, basic services for users is free, value-added services may be in the future, but not yet, for the source of credit, we will have a number of multiple-clock model, including the acquisition of customer fees, through value-added services to collect credit agency fees.

We do not make loans to ensure that this can improve time and efficiency, we also give customers some upfront service, so that they can more accurately find a possible loan to the organization, so the matching efficiency is higher.

In fact, the way the bank today is not OK, the customer only chooses yes, no right, and does not have the ability to negotiate with him, the future takes the consumer as the center such environment, lets them stand in the consumer to consider the product design and the service for the environment which the customer for the party, but now more is considers, In the banking system, consumers are vulnerable groups, and banks are more like party a.

The internet and banks are not an antagonistic relationship, they have a lot of places to learn from each other, just as we are actually helping the banks to improve efficiency, not to say that with the bank is the opposite of the relationship, the bank to enhance the service capacity through the Internet, we are their important channel and tool.

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I believe that after reading the article, you will still have to do with internet finance. Every one of us is a man of knowledge in this time, and everyone wants to find the light that belongs to this time. Now you have a chance.

April 8-9th--Shenzhen--2014 China Internet Financial Investment conference is about to be held, here you have the opportunity and our article of entrepreneurs, investors close contact, but also have the opportunity to understand the forefront of Internet finance trends. You can find the answer to the unknown, or you can get a glimpse into the circle.

Conference Link: http://events.pedaily.cn/2014/ciif/What are you waiting for?