Talking about the mode of p2p+ public financing

Recently the network finance is very hot, now the network financial model to peer-to-peer and public-oriented, the two models have the inevitable correlation.

Public services to the financing side, more is the project publicity, hope through the introduction, gifts, etc. to attract more attention, so as to obtain funds to run the project, or the project publicity.

Peer-to-peer more services to investors, more is a new way of financial management, through the online "bank" on the idle money at hand to add value. The project is also filtered and audited, of course.

This intermediate network platform must face one of the most basic contradictions:

All: What can I get out of the money I'm throwing? Is it worth the price? Is the long-term appeal to investors?

Peer-to-peer: How to select quality projects, reduce the rate of bad debts, protect investors ' income, expand the guarantee amount?

In the final word: the contradiction between the expected income and the actual income

There are roughly 2 models:

The whole p2p+ user model

Attract eyeballs through public awareness programs

Transformed into a financial product that can be invested through screening and auditing

Finally set up a circle of investment and financing relations.

Personally think p2p+ pattern will be the future direction of development, with the current group buying mode everywhere.

The single existence of both models has a fatal weakness.

Public chip: Can not solve the user's income, because the whole model no one to protect the benefits. The most expensive is to buy a promotional material/experience product.

Peer-to-peer: The risk is borne by the guarantee company and the user does not take the risk. The existence of the guarantee company 100% guarantees the investor principal, moreover the investor's income can reach the 15%~20%, here the profit and the risk is obviously wrong.

Would there be a better prospect if the two models fused together?

By the public to absorb the project, after preheating user feedback + professional guarantee Company's audit, the project proceeds to carry out phased treatment:

Low risk yields are relatively low

High risk yields are relatively high

Quality projects to ensure profitability (VIP customers)

It is up to the user to decide what project to invest and to take the corresponding risk to gain high profits. For some really high quality project risk can be neglected to provide to pay the annual fee of the VIP investment customers.

Let's talk about the second model:

Business model model for Web sites

Through professional risk control (lever) + quality project (Fulcrum) + less guarantee funds pry more social idle funds

The website collects the corresponding service charge and the supervision fee.

There are 3 elements that need to be addressed:

1. Risk control: Professional risk control mechanism, individuals feel that not more than half a year of the project is appropriate, and the time to return to a short period of time for good.

2. Quality Project screening: Here is the need for offline team to actually run out, a bit like the VC look at the project, of course, the best asset mortgage or order such mortgage assets.

3. How much guarantee funds can be gathered together: here the guarantee funds are mainly to avoid bad debts caused by the platform capital chain exercise, and pry more idle funds. The small guarantee company under the wiring can enlarge the fund scale.

As for the absorption of idle funds on the line, it is necessary to see Word-of-mouth and marketing not much nonsense.

The development of Internet finance in China should be realistic and get out of the way of Chinese internet people. It is not practical to copy foreign models simply.

Iron also needs its own hard, internet finance is really blue sea industry, but how to develop in this industry is a must have professional financial knowledge + on the national conditions of profound understanding.

PS: Of course, there are a number of enterprises specializing in the project, the early project for more in-depth incubation, such as innovation workshops, such companies, believe that after the blooming of these companies will converge to the same goal of development.

Visit Website:

Public Chip:

http://www.dreamore.com/

http://www.demohour.com/

http://zhongchou.cn/

http://www.kickstarter.com/

https://angel.co/

https://www.crowdtilt.com/

Peer-to-peer:

Www.rong360.com

Www.lufax.com

Www.renrendai.com

Www.minmindai.com

Www.hcd138.com

www.hepai.cn

www.yooli.com/

www.352.cn

Some foreign websites need ... You know