Battalion accepted building blocks case 2018 profit turns over times, the net borrows the second hal

Began every year March, all trades and professions was entered with the day that releases money newspaper to concern.

In course of study of electric trading company, the high speed that spells great management loss grows, caused again " burn money to change discharge " discuss; In share bicycle domain, beautiful group has realized rub the financial black hole that do obeisance to, contractive its international business.

And the net shifts an industry, pass in experience " discharge is king " after period, the trend is mature. These two years, more and more nets borrow platform to announce profit.

Credit makes the favorite of the industry, but the profit drop of platform is not identical. Some ever was built get on the downwind car that cash shifts, some focusing at consumption in installment, return some deep ploughing battalion of already of small small look forward to is borrowed.

2017, the platform of gain is not much still. A lot of people are thinking at that time: The net borrows platform to whether be had can last the ability of gain. That year, building blocks box realizes gain, lasted 2018 gain.

Adding up to plan cost to increase, the net borrows platform how penetrable cycle, hold gain?

"Product of on the market a lot of credit, be in a certain when the dot is gain it seems that. "But Dong Jun of author of building blocks box more ability of apt cycle gain.

In the final analysis, still be the issue that platform makes core competition ability.

01 optimize the gain below

In September 2016, zopa of company of the first P2P announces the whole world implementation gain. From establish gain, 11 years are lain between among.

2019, each other gold developed 11 years in China, the dimension that platform just puts the gain ability of platform to long-term development with investor is spent in think.

The letter that issues according to association of banking of Internet of the silver-colored meeting that keep watch, China wraps around requirement, p2P platform ought to at information of platform examine and verify is being disclosed every year before April 30, include among them " the financial audit of on one year reports " .

Investor can understand the operation situation of platform from which better, sentence the development foreground of platform beforehand.

Recently, building blocks box was announced on government-owned net " transaction of audit of forms for reporting statistics of 2018 year finance affairs " (next weighing that audit reports) .

Data shows, 2018 year, total battalion of building blocks box receives 118 million yuan, business profit ten million five hundred and seventy-one thousand one hundred yuan. These two data, was 54 million yuan respectively 2017, four million eight hundred and forty-six thousand four hundred yuan.

On one hand, building blocks box adjusted accrual and risk balance further, optimized product structure. And on the other hand, adjusted cast be in harmony the strategy winning a customer of two end, controlled the cost that win a customer effectively.

"On the management of the company, the rate of prediction of a person's luck in a given year of the group is very low, reduced the cost that personnel wave motion brings and cost of recessive trial and error. " Xie Qun of CEO of building blocks box is analysed.

2018, below Lei Chao's influence, industry of each other gold greeted Xin Yibo to find new job wet, someone leaves each other gold, somebody is searched more the platform that relies on chart.

No matter be the ability of penetrable cycle, still be the appeal to the talent, be platform core competition ability reflect.

02 make core competition ability

Before a few years, lend the account with platform difficult gain about the net, a lot of people undertook an analysis, basically have two reasons: Asset end, of high grade asset rare be short of; Capital end, the cost that win a customer is high.

Of this correspondence is the core competition ability of platform. Dong Jun thinks: "Core capacity should look from interior and exterior union. "Core capacity should look from interior and exterior union..

Interiorly, those who look is asset government ability, and trade match capacity, these can rely on a technology to drive.

The ability of asset management, it is financial science and technology on one hand the arrival of 3 timeses, collect in information, invest decision-making, wind to accuse to waited for a respect to bring change.

E.g. , big data from before borrowing turn over con, in borrowing quantify grading to be urged to the management after borrowing close, perforative whole wind controls flow,

Take building blocks case for, on the foundation that evaluates in traditional risk, combinative APP browses the relation a collection of illustrative plates such as concern of record, communication, can be opposite trade doubtfully, person and iformation flow undertake discriminating.

On the other hand, it is the fixed position problem that asset carries.

Building blocks box consumes kind of loan and battalion of already of small small look forward to to borrow these two perpendicular domains to undertake deep ploughing in the individual, aim the city of line of just a little that has credit card respectively of white-collar, 34 lines " inn of wife of husband and wife " , for instance " buffet " , " thin pancake made of millet flour spreads out " wait for group of small small retailer.

Occupy what already announced before platform is early " 2018 annals " show, up to on December 31, 2018, in news of association of Chinese Internet banking exposure caliber falls, the amount of exceed the time limit of building blocks box is eight million six hundred and forty-eight thousand seven hundred yuan, exceed the time limit is led 0.13% , relatively by 2017, reduce about 1.7 million yuan.

Apparent, the asset end of building blocks box suffers the net borrowed the market last year fluctuant, escape the influence of useless debt is minor.

Trade matched capacity, the past is become in flow times, after wind accuses a problem to solve, of more attention is the client's experience. Feedback seasonable, experience is smooth, can bring higher keep rate normally.

In the time of tall look forward to of the cost that win a customer, this reduced cost in virtually. Basis " audit reports " , building blocks box increased the investment on research and development further 2018, double charge of research and development was 2017.

The exterior expression of core competition ability, it is brand force actually.

Analytic implementation profit and loss is balanced even the platform of gain can discover, it is certain to be had trade dimensions, and dimensions the result that this is long-term brand effect.

Two years of in the past, investor more and more draw close to head platform. Up to on December 31, 2018, accumulative total of building blocks box clinchs a deal the forehead is 54.2 billion yuan, accumulative total invests a number (contain debt to turn) one hundred and thirty-two million and fifty thousand, accumulative total already extended accrual 1.779 billion yuan.

2018 year, the project that the specified amount is maximum is 12 months above clinchs a deal on building blocks box, amount is occupied 47% , and 2017, 3 months and the following project clinch a deal most, investor of this flank specification invests hold faith for a long time to platform, one kind be promotion of brand appeal force is reflected.

Ability of brand force, asset government, trade match capacity, 3 person be united in wedlock, made discharge, wind accuse, the closed circuit of the experience, also increased gain capacity.

03 products quality is preferential

Be in a few years of in the past, we had listened a lot of capital and alone the story of horny animal.

But the angle of capital, hold in both hands gave a lot of radical pattern that burn money. What capital market more pays close attention to is you run quite quickly, is not whether can last.

This ever also had had in industry of each other gold, once was a kind of normal to betting consultative existence. But beg fast, big probability affects the quality issue of the product, likely also meeting chronically affects gain ability.

"A day of gain follows gain all one's life is two different matters. The gain that a client comes in the first day to arise, with the client whole lifecycle gain also is two different matters. "Dong Jun thinks, if gain is nodded,cannot penetrate periodic, that was not done.

This also is to accumulate wooden box to do not have diversity dilate, and in inchoate choose retail credit market, especially the account that small small company manages kind of credit capital fund.

This is to be based on long-term investment thinks with what yield, the essence of Internet finance still is finance.

Burn money to make flow, can be brief only. Still should think finally the stickiness of the user and keep rate; And the quality of asset, affected the continuity of gain, some asset can gain temporarily, cannot be done however continuously.

Building blocks box can hold to his product road, with the concept of father group cent does not leave.

Building blocks box ever obtained financing 3 rounds inside 20 months, in all financing restrains 130 million dollar. Dan Dongjun thinks: "Capital market follows poineering itself be closely bound up, but core logic is two completely different things. But core logic is two completely different things..

The consideration of capital market is the opportunity that goes seeking his in process of development of a company. And the rhythm that the person that do poineering work wants to hold a firm, cannot pay close attention to capital market how to be exited too.

"Capital market can go at any time, won't have bubble forever. "Dong Jun say.

04 epilogue

2018, go before the industry is hard, also be pair of platform however real pressure checks. Adopt the platform of the test, take walk into the ticket 2019.

In future, await them, still have countless tests.

The big platform such as box of building blocks of no less than is same, put evolution to a very long dimension to spend in go looking, ability promotes the capability of penetrable cycle.