The only product will be the distribution of internet finance, continued demon stock growth

With Ali, Jingdong, Suning and other electric platform, in the main business gradually stabilized, only the goods will also reach the financial field. At present, the only product will have a factoring company, two small loans companies, the third party payment license is also in the application, the Internet financial layout has seen embryonic form.

Recently, the reporter learned that, starting from this September, only the goods will be the small loan business has been officially on the line, its products mainly include for the supplier of microcredit loans and various types of comprehensive financing solutions, as well as the latter will be introduced to consumers of credit loans products.

Huiping, director of the Financial Services department, said in an interview with reporters, as a perfect only product will be an important part of the ecological circle, involved in the financial business more important value lies in: for the main business of continuous growth inject a steady stream of vitality.

Layout Internet Finance

In fact, prior to the acquisition of a small loan company licence, since last November, the only goods Council has started to provide financing based on accounts receivable for more than 100 suppliers on the platform through its factoring company, which currently has a cumulative amount of over 1 billion yuan.

At present, only the goods will be in Shanghai, Guangzhou registered two microfinance companies, registered capital of 200 million yuan, 100 million yuan respectively. It is noteworthy that the two small lenders have received a network of small loan licences, lending business is not subject to regional restrictions. Among them, the company in Guangzhou has recently launched business.

In terms of loan products, according to Huiping, the company mainly relies on the parent company to rely on the Electronic business platform, for the supply chain on the B-side (suppliers) and C-end (consumer) These two groups to provide services.

Among them, the financing products for suppliers, one is a small sum of credit loans, along with the loan, complete through the online application and distribution, the second is for High-quality customers, providing million-level financing of various types. Credit loans for consumers are similar to "Jingdong White Stripes".

Huiping that, purely from the financial point of view, in the short term, consumer credit to make money more difficult. But if the consumption of credit can stimulate the consumption will, the main platform will play a significant role in the sales, the overall platform for the benefit of the benefit.

The number of active customers and the number of orders continued to grow, according to the semi-annual report previously released by the only product Council. In the second quarter of 2014 alone, the number of active users had reached 9.3 million, up 167.9% from a year earlier, while the number of orders in the quarter had increased 138.4% to 26.3 million from 11 million a year earlier.

Compared to gain, the more important value of consumer credit products is to collect user data, perfect system and wind control model.

At present, the Internet Platform for merchants to provide financing services there are two modes, first, the platform to cooperate with external agencies, the platform to do diversion to provide data, or to do a consultation analysis of data, thus charging a certain fee, and funds from external cooperation agencies, such as 58 with the city and Hong Kong Asian Union financial and small loan cooperation.

And another mode, to Ali, Beijing east as the representative, the platform itself cash flow abundant, can provide their own funds. In the long run, the platform is more willing to enhance the stickiness with the merchant through the latter model, which will help the platform to establish its own supply circle.

Wind control, Huiping that, because the small loan business services are the only products on the platform of the merchant, so for them, once the default also means that the loss of the only product will be this channel. Therefore, the advantage of the financing business in the platform closed-loop is that the cost of the merchant loan default is too high, and the willingness to perform is strong. Therefore, it is expected that the adverse rate can be controlled at 1% or even lower.

And in operating costs, relying on the mature online merchant interactive system and financial management system, the goal is to achieve the automatic microcredit, unmanned processing, real-time loans, the most likely to reduce human cost investment.