Why is it that China Merchants Bank also play Peer-to-peer network loans, is peer-to-peer grassroots entrepreneurs of the extraordinary good?

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Internet finance, especially one of the Peer-to-peer network loans, said to be the hot spot in the last six months, should be a matter of no doubt. Take the National day small long holiday after this 10 days said: Just a work, the author of the phone by the media circle friend blew up: How to see "Days force loan" is difficult, peer-to-peer network investment should pay attention to what? Next is the central bank deputy governor Liu led the Shenzhen low-key research activities, with whom Ah? Who did the research? What did you research? After the investigation is about to introduce what policy ah? Not finished, October 17, the eyeball was all attracted by China Merchants Bank, the cause of the "Southern Metropolis newspaper," a report: ICBC Secret test water peer-to-peer network loans, a day to absorb gold 50 million. Bank of the bank to test water peer-to-peer network loan What do you think of it? What will be the impact on the current Peer-to-peer company? Could it be a fatal blow? The phone rang until just now. Well, within one weeks, hosted two "Internet Financial Forum" in Shenzhen, all have no energy to pay attention to.

As a peer-to-peer industry, a non-senior staff, for the CMB test water peer-to-peer, I have these immature views, welcome to Pat Bricks.

1. China Merchants Bank Test Water Peer-to-peer Network loan is the homeopathy.

October 10, in the first finance and economics sponsored "China Internet Financial Forum", Hu Yu, general manager of Merchants Bank retail department, talked about the internet finance, to case there are cases, to data. The sensible man sees in the eye, the internal strength is deep, Rome ah.

Actually, China Merchants Bank in the internet finance, has been in the preparation, accumulation, and even can be said to run in the vast majority of traditional financial institutions, investment in the internal strength, God horse big data ah, God horse Internet gene Ah, absolutely superior to the vast majority of the current Internet financial enterprises, into the internet finance is just the

The media burst out of the "water test", the bank in mid-September has begun to do, but has been relatively low-key, try very deep, are not placed under the personal business. China Merchants Bank chooses Peer-to-peer network loan as its entry point, but it can explain Peer-to-peer network loan, a new internet financial model, has been recognized by traditional financial giants and is a test water for Internet financial model.

2. China Merchants Bank Test water Peer-to-peer Network loans to the existing Peer-to-peer network loan company is absolutely positive.

Many people are worried that China Merchants Bank has started to do peer-to-peer network loans, and then there are you what things? You know, the CMB can do, PU hair can not do it? Can people's livelihood not be done? Financial giants have done it.

Disclosed here a secret, please the reader friend must not be rumored, after reading consciously forgets. When the balance treasure appeared, we saw its gold absorption speed, also produced the same question. However, the author of the platform, to November this year has been two years, after the balance of treasure, the volume of users increased by 3 times times, their own account Bai, and then details of my inconvenience disclosed.

Ma Yun A yell, we really lost 2 old customers, but his voice, shouted for us 8 new users. Now the CMB is so naked close peer-to-peer network loan, will undoubtedly divert some of our old customers, but will certainly bring us more new customers.

The reason is very simple, ten years ago you, dare to shop online? A year ago, you know what is Peer-to-peer network loans? Now the merchant bank has joined in, you dare not? CMB's test water is to help us these are still in the barbaric growth phase of Peer-to-peer network loan company, on the best of the Universal class, To improve Peer-to-peer network loans of social concern and recognition, a great advantage, it is best to follow more banks to emulate, so peer-to-peer industry is bound to blowout.

Meanwhile, regulators such as the central bank, which have been investigating internet finance, especially peer-to-peer net lenders, since August, with the advent of financial giants, could speed up the regulation of Internet finance, especially peer-to-peer lending. This for us to standardize the operation of the platform, is absolutely positive.

3. Merchants Bank version of Peer-to-peer and the existing Peer-to-peer network loan company differences.

I looked at China Merchants Bank's Peer-to-peer network lending business, that there are two differences:

A. China Merchants Bank version Peer-to-peer project funds volume, and the existing Peer-to-peer Network loan company project funds volume is not comparable. China Merchants Bank version of Peer-to-peer, very few million within the project, most of the project capital volume in the Tens, and the existing Peer-to-peer Network loan company project funds volume, 80% are within 100,000 yuan, very few more than million. In this connection, said that the existing Peer-to-peer network loan company, service real small micro-enterprise intention is more obvious, it is the object of the CMB service, or our grassroots eyes of the "high rich handsome" ah.

B. China Merchants Bank version of the Peer-to-peer bidding finance minimum investment unit is 10,000 yuan/share, and the existing Peer-to-peer network loan company Most of the bidding threshold in 50 yuan started. What does 10,000 yuan/share mean? The vast majority of young people who have just graduated from work in the north and have no background, have nothing to do with you; what does a 50-dollar threshold mean? Everyone can participate. You know, this is the most affected by the Internet, the number of people, the author of the statistics on the platform registered users age distribution, 80%, 10% or so. The essence of Internet finance is "cock silk finance", "Pu Hui Finance", the 10,000 yuan/share of the threshold, fully explained that it is still unable to completely put down the "high handsome" figure, although already a lot lower than the original.

The author of the network media director of everyone enrichment, micro-signal liuxiafeng001