The pattern of public financing and peer-to-peer lending may be the two males in the golden Age

Someone once said: "Internet finance will be the next golden age, and the public-chip model and peer-to-peer lending may be the golden age of the double." ”

There is no doubt that the momentum of the two is now at its zenith and that all walks of life have been involved. The two are decomposed here. Before we break down, we'll get to know what they mean.

Peer-to-peer Lending: Is peer to peer lending abbreviation, peer is a personal meaning. That is, a qualified web site (third party company) as an intermediary platform, the borrower on the platform to issue the loan target, investors bid to lend to the borrower behavior. Network lending refers to the process of borrowing, information and funds, contracts, procedures and so on all through the network to achieve, it is with the development of the Internet and the rise of private borrowing and development of a new financial model.

Public-chip mode: The origin of the public, translation from foreign crowdfunding, that is, the public financing, is a "pre-consumption" mode, with "Buy + advance" form, to the public to raise project funds. The use of the Internet and SNS to disseminate the characteristics of small entrepreneurs, artists or individuals to the public to show their creativity, to enlist the attention and support, and then obtain the necessary financial assistance.

The superficial meaning of the two may be that there are two separate areas of individuality, and there are too many commonalities between them:

1. The essence of both is to raise funds for the public;

2, are gathered small idle funds, Mickle-type fund-raising;

3, are small input, high risk, high return;

4, are based on the Internet as the main medium and channel;

5, are serving the banks and other traditional channels more difficult to obtain financing users;

6, there is a common risk of fund-raising;

And through these commonalities, the author found that Peer-to-peer lending seems to be able to take the mode of public financing, outlining two major aspects of value-added services:

Project supermarket--b to C

The most direct value-added services are similar to the content of the public, can be a project supermarket, so that everyone involved in investment projects. For example, projects such as entrepreneurship can be used as party B, and then all the C parties, that is, everyone to invest. While the platform in the middle of the same as the review of borrowers and investors, all the projects involved in the feasibility review, evaluation, evaluation of successful projects, a platform can be charged to participate in the project, but also binding the future benefits of the project. But in this piece may have to indicate a problem, let the participants know that all the project supermarkets are risky, after all, even the stock market is risky.

Lending supermarket--c to B

Compared to the above B to C Project supermarket, the C to B lending supermarket I think more directly.

To subvert the current trend of borrowers looking for investors, Peer-to-peer can be an investor to find the borrower's reverse-chip mode. By Peer-to-peer, look for those who have the money but can't find the investment project, let them as a similar shop in the form of the network loan platform to show. Here to illustrate, investors may be the amount of money they belong to, but these funds are on the Third-party payment platform, the net loan platform is only a number, completely touch the user's funds.

When the investor is obvious on the platform, the borrower can bid with different interest rate after obtaining the approval of the Platform party. As an investor, you can choose the credit is good, and the higher interest rate of the people to carry out their own loans, the right to operate entirely in the hands of investors and borrowers, the platform is only to audit and intermediary role.

The above two may be the author conceived of Peer-to-peer lending good money model, or perhaps the two models will be policy, moral and other huge risk constraints. But no matter how, in such a way, as long as the platform to avoid the touch of funds, to do a pure intermediary, that in the future will be bound to become a peer-to-peer lending and profitability of the weapon, popular also not necessarily.

Conclusion: The public-chip model and peer-to-peer lending although more common, but if you want to combine the two, may also need to pay attention to policies, laws and regulations, user acceptance and many other factors. After all, they still have a big difference, the main products and media mainly to the content, peer-to-peer interest income mainly.

Text/Third eye (micro-letter: Thirdsight)