Hangzhou Financial Landscape Financial Services CompanyHangzhou Financial Landscape Financial Services Company
CONTACT US
Fax: 0571-8801929
Tel: 0571-8801929
E-MAIL: service@shxlgdxsc.com

Consumer credit blue era is coming

student groups because there is no job security, no ability to repay, often loan out. Despite the school or local employment for students undertaking provides some financial support, but growing consumer loan demand shortages cannot be met. With developments in the financial markets of the Internet, the popularity of smart phones, P2P industry offers more possibilities of consumer loan for students. Consumer credit "Blue Ocean age" is upon us.

in the era of e-commerce, consumer demand of students especially college students, and began to establish the initial credit data at this time. For students, in addition to the reality of consumer and other financial needs, loans now and perhaps advance the cumulative credit one way. This market into earlier, no doubt first-mover advantage is more obvious. …… However did not start planning now entering student loans in this area, although not a slow, but it must not be regarded as "first movers."

over the weekend, Ant micro-credit (Ali, formerly known as micro-credit) low-key launch phased purchase service "flower" trial. Also consumer credit, Jingdong white needed a user binds a credit card. This system was borrowed from banks against the user's credit risk control, and Ali, is the use of its own consumer credit data is the use of data make risk control. Rewarding in the consumer credit market, the traditional e-commerce and Internet markets with only "burning money" is difficult to achieve the desired effect. Without effective risk control and credit data today, hastily "burning money" for markets, lost money and lost "brand" is not impossible.

and is noted for its wind-controlled financial institutions, there is a potential of blue ocean market has not really touched, that student market--always must be fought for in the future the main crowd. Binding the way credit card, using the Bank's own credit system to make wind-controlled, is a good way. But in the student market, this trick does not work.

in the era of e-commerce, students particularly college student's consumption demand, and began to establish the initial credit data at this time. And for students, in addition to the reality of consumer and other financial needs, loans now and perhaps advance the cumulative credit one way. This market into earlier, no doubt first-mover advantage is more obvious.

but now it entered this market, do not seem to have before. Not to mention Ali's "flower", the P2P field have started online for student loan products and platforms. These platform are based on credit, consumption patterns in stages, for promotion and risk also has its advantages, such as: focus on the fun stage of the promotion even with "rough" leaflets to push; instant 360 is the student letter of certification systems and learning networks and docking, and background to the people's Bank of the credit system of college students ' credit reports platform.

due to the relatively high barriers to entering the college crowd, did not start planning now entering student loans in this area, although not a slow, but it must not be regarded as "first movers." Sooner than to consider how to become the industry's "water." Electrical contractor during the melee certainly sacrificed a large number of e-commerce platform, but the achievements the rapid development of the Courier industry, is born and a strong third party payment. Student loan market, "water" and what?

, bonding companies

the P2P industry in China so far, put the company on the front. But company a while ago "to run" no small impact on the message, the security company does not seem to be successful "sell" himself had died of thirst. But this is not the market for student loans, student loans total market potential immeasurable, but distributed to individuals, is a "micro" level, and college market regardless of difficulty or a recovery from a credit perspective are more trustworthy. The credit industry's "old water" should be more comfortable in this field, does not see this business might not even see.

two platforms, data query

of P2P "water" is the net lending, net loan eye in the sky of this data to third party delivery platforms. Transformation to the field of college student loans, offers loans student credit enquiries service platform is the "meat and potatoes". How to obtain this data across platforms is a key problem, this is the P2P platform conflicts, cannot form a "cloud" system the key, the student-loan industry will also face the problem of nature. But there is already a similar blacklist query platform, but issues such as information disclosure law requires professionals to determine the answer.

three other

students after graduation, using its credit data services is far more of a kind of "water", which will undoubtedly take more powerful channels resources to meet. This involves recruitment, entrepreneurship, investments and other cross-border areas.
 

PREV: No informtation!

NEXT: No informtation!

BACK