The first pilot selection in Beijing community

Abstract: Community businesses are seen as the city's capillaries, was once a large number of financial institutions grab food, now Peer-to-peer tentacles are also reaching here. A few days ago, said Peer-to-peer network loan platform is in contact with a well-known domestic community electric dealers to discuss cooperation matters. October 9, Love melts the net CE

Community business is seen as the city's capillaries, was once a large number of financial institutions grab food, now Peer-to-peer tentacles are also reaching here.

A few days ago, said Peer-to-peer network loan platform is in contact with a well-known domestic community electric dealers to discuss cooperation matters. October 9, Love Net CEO Sheng in an interview confirmed the news. He said: "The current cooperation intention has been determined, but the details to be improved, is expected to sign the framework contract next month." The negotiation party is not convenient to disclose now. ”

If the cooperation agreement is reached, it will be the first network loan industry to cooperate with the Community electric business platform, will also become a peer-to-peer industry one of the important models.

First pilot selected in Beijing community

At present, the current domestic peer-to-peer industry is gradually showing the trend of differentiation, one side is a high concentration of large volume of the platform, the other side is a unique, no weakness of the new platform, competition is extremely fierce.

"Community electric dealers have a large number of customer resources, conducive to the development of love and networking, we will also launch for customers for the community investors products, the first batch will be in Beijing community pilot." Sheng to this newspaper reporter said.

There is no denying that the community electric dealer has the natural geographical advantage, for the consumer gathers and the movement place, will gradually enhance the love melts the net the brand approval degree.

The investment consultant financial industry researcher Hoshowa in an interview with this newspaper reporter to agree: Peer-to-peer involvement in the community is mainly to improve their visibility, improve the user's confidence in the mind, but also optimistic about the community consumer users and peer-to-peer users of the height of coincidence; On the other hand, with the community to cooperate or directly into the community of electric dealers, Also in order to obtain the favor of investors, improve supply chain finance. Other Peer-to-peer platforms will be emulated in the future. ”

The future is uncertain.

In the current financial wind, the bank through the layout of community O2O, to occupy the online, offline access, pioneering "O2O" business model of the pace has never been interrupted. Several banks, including Beijing's agribusiness, Minsheng Bank and Ping An bank, have begun to speed up the layout.

Beijing Agricultural and Commercial Bank launched a special for the community residents and the surrounding merchants tailor-made mobile internet financial products-"Community e service." This financial product, installed on smartphones, provides a free online platform for small businesses around the community, and small businesses can open their stores directly on the mobile Internet and display and market their own goods and services through the "Community e Service" platform. "Community e Service" contains the client side, merchant end, Butler end three mobile phone app, the client is mainly used by community residents, the merchant end is mainly used for the surrounding shops, and the Butler end is for marketing and logistics salesman use.

In addition to Beijing agricultural and commercial banks, many banks have begun to layout community O2O, including Minsheng Bank's Minsheng Bank features O2O Model community life Circle, Ping ' an pocket bank and ICBC's direct selling banking platform, real-time communication platform, such as O2O system.

This reporter to Minsheng Bank community convenience bank visits, found that there is no expected lively, relatively deserted. Reporters random inquiries passing residents, they mostly said: "We do not use the old people do not understand, the family need to pay a variety of fees are children on the Internet, rarely come here, do not understand." ”

Hoshowa said: "At present, the bank, downwind courier, electricity and property management companies have begun to layout community electricity quotient, community electric business development quickly, community electric business platform gradually increased, many businessmen to live in community stores or in the community on the platform of the market to disseminate information, marketing and promotion. The main manifestation of the lack of Community power service is relatively small, but also facing large-scale e-commerce competition, such as Taobao, the future development approach is not clear. ”