Those who have the standard of the world, P2P network future competition pattern

After more than seven years of development, the participating institutions in the domestic net loan industry have been increasing day by day, and the market competition has become more and more heated. However, the temporary lack of innovation capability, one of the important features of Internet finance, has made such competitive behavior more homogeneous , A large number of platforms are engaged in essentially the same business, the industry profit margins began to gradually decline, the declining average annualized rate of return is the best proof, for which some observers have questioned, as the case continues, Future net loan industry hope and the way out? What platform depends on survival and development?

In response to this problem, some scholars told reporters that in the future who can seize the credit rating system standards, who can really occupy the market. He believes that the Internet finance industry is different from ordinary industries in that it can not achieve the expansion of enterprises through simple mergers and acquisitions. At most, there can only be a merger of business complementarities because users are moving too fast and can today Home platform to do tomorrow, you can go to another, because they believe the benefits of diversification, so will not stay on a platform. As a result, the problem of homogenization of the business will inevitably exist for a long time to come. In the future, it will only be one of the most low-end business segments in this industry. Similarly, competition will certainly be one of the most intense areas. Going forward, it involves the establishment of a massive personal credit information system. In this respect, some platforms in the industry are already beginning to be set up. However, no climate has yet been formed. With the vigorous input of the state in this regard, I believe The future of the database to improve this one should still be able to quickly be achieved, then it will be divided into two levels of platform, one is its own data, one is not, it is clear that the latter may be in a more disadvantaged position. But there is not enough data, you also have the ability to analyze data, and on this basis to form their own personal credit rating system and standards, so there will be a number of companies to stand out from. However, these are not enough, because the standard of evaluation must be different from time to time on every platform, and when everyone will say that their standards are the best, then and now each emphasize their own The same is true of the wind control is the same, it is a homogeneous competition. After that, the real surprise is that the platform data disclosure based on business transparency will become the focus of regulation. The overdue and the bad debt rate data that will be produced under your evaluation criteria will be made public. At that time, credit evaluation systems and standards that really showed value emerged. Similar to this, there will not be more than three standards with high credibility and operational possibilities, and the ultimate platform to provide such a standard must be the final winner!

According to reporter's observation, the platform that can come into contact with and grasp the data source of particular field at present mainly lies in a few mainstream platforms, pat loan, everybody loan, Hong Ling venture capital, a lot of money It is very likely that these networks will stand out in the future.