This is this date " focusing car borrows trade series " the 5th article.
Under the successive ablution that superintending, the car borrows the pattern of the industry to already changed, a few scrupulously abide by before close of compasses outstanding in Tai Zhengmao wears Xiaoping strong preparation bends overtake, and the head platform with deep ploughing old industry people also exploring new development way ceaselessly.
It is under this kind of setting, on May 26, the car borrowed alliance to be held in Beijing " peak of modes of life and relation to their environment of 2018 cars banking is met " . Can go up in this peak, the honored guest gathers, what dedicated car borrows is small borrow the net, net that where to cast, Jiu Rong fortune of net, fruiter, establish course of study to borrow, develop path gold is taken wait for platform, and the car borrows network of allied secretary unit to borrow weather eye all to show up, still have finance and legal expert, controller of as big as each platform together, superintend put on record the car below the times lends trade problem and perspective, undertake be discussinged deep. They think consistently, "The car borrows an industry to already entered new era " . And this times, be " standard times " .
Small make up notice, with before peak of Internet banking industry is met advocate hit operate from a strategically advantageous position to differ, meeting focusing is closing summit of modes of life and relation to their environment of 2018 cars banking compasses put on record, superintend solution of dozen of problem of black, trade to wait for a right subject to go up, was aimed at existing problem cogently to give out professional guidance. For instance Wu Zhen of secretary-general of committee of technologist of safety of national Internet finance is in what this second peak established to meet in taking the lead in making a speech advocate fundamental key -- he puts forward a net to borrow an enterprise to should be overcome blundering, repair exercise to benefit the internal organs frequently, keep awe-stricken, combine plan development.
Subsequently Song Ligong of director of staff room of detect of classics of university of Chinese people public security also did professional theme to make a speech. He is with covering a road to borrow exemple, the legal risk that explain understands a car to shift an industry is prevented accuse, point out nowhere is not in risk flaw, platform should check leakage fill a vacancy in time. Also express at the same time, the car borrows platform operator, law of value and moral bottom line should be not violated only in the process of innovation, still can written guarantee the gain that gives plentiful and substantial.
Cast Li Zhigang of which net CEO to also point out, the blow that national near future borrows to covering a region, beyond question, it is to be helpful for a car borrowing what long-term health expands the trade. "Likelihood from short-term in light of, can cause bigger blow to a few non-standard platform inside the industry, but also be helpful for driving out bad money so go out, those who remain is fine money, can let add up to the platform of compasses to develop weller. From us platform itself angle looks, we also are to think should active go actively embracing close compasses, even this closes compasses before want. In our company interior, also built relatively giant join compasses rank, main personnel is by Wu of a few laws personnel is comprised. Additional, we still ask in each business lines each business flow respects want a standard, debit side is urged after including to borrow, must add up to compasses ground to undertake urging closing legally. On the other hand, we should pass better examination method, develop more and high grade client, reduce inferior borrower as far as possible, such we can decrease urge those who close is necessary, if whole industry can such before borrowing, do weller, we will have better progress " .
Small make up also notice, honored guests attending the meeting are borrowed to the car urge the attention that receives an issue to spend really unprecedented.
This and association of each other gold put forward on March 28 this year " urge accept autonomic joint pledge " (later development abbreviation " " convention " " ) about, that is an important and normative file inside this year industry undoubtedly, be equal to problem of industry judicatory lawsuit was borrowed clearly to give out to the net in legal level specific guidance.
Can go up in this peak, honored guest attending the meeting thinks generally, the car shifts the fractionize industry that regards Internet as finance, be brought into " convention " normative category give no cause for more criticism, but the car borrows platform to wait because of inn of its and car look forward to, door, consumer with all possible means the close and associated sex of main body, decided the car borrows platform to will naturally be derived more of individuation after borrowing, urge control standard.
And they think, after borrowing, urge control a when belong to a car to borrow a service important segment, no matter carry user or B to carry a business to C, the car borrows an industry to manage a problem to go up after borrow, the other net that compares borrows fractionize industry to having congenital advantage, this decided the car borrows platform closing compasses more active advantageous position were held in the process that put on record. The difficulty problem in although each platform controller also listed oneself platform,combining compasses course, but judge from the result, industry whole is actor of hurry firm hurry.
Meanwhile, join those who meet honored guests adopt pair of oneself platform to analyse arrange, think car banking product moves toward the way that standardization runs, the industry that can assist superintendency layer to realize from bottom to top is initiative rectify. "Standardization is run and do not mean of course abandon an industry innovating, shift an industry to the car and character, innovation just is the first productivity, unite standardization development and innovation development rise, it is the responsibility that each car shifts platform. It is the responsibility that each car shifts platform..
Accordingly, can go up in this peak, the car borrows alliance to express, will devote oneself to to establish a car to borrow standardization, build trade data to share a system, advance unit of the member inside alliance to be signed jointly " the car is borrowed oppose 2 detain pact " , ensure the car borrows platform to seek standardization progress. And innovation level, each platform is OK according to oneself attribute, of adjust measures to local conditions formulate development strategy.
"The original intention that because our car shifts alliance,founds develops for whole industry health namely. In before two years, whole vehicle borrows an industry to be put in very big question, 2 detain phenomenon is more serious, so our car shifts alliance turn over 2 detain to be begun as allied job key. Above all we are all the platform that joins a car to shift alliance, participate in drafted the course that opposes 2 detain pact, additional we these are all the platform that joins a car to shift alliance signed pact. From look at present, this effect is very good, now the circumstance of 2 detain already before unlike so rampant -- it is OK to as if ' the igneous set the prairie ablaze with star ' , but the 2 detain inside basic now industry disappeared from the scene. "Li Zhigang introduces.
"The car shifts an industry the most difficult on the history is " 2 detain " problem, the 80%-90% in the element that causes platform bad Zhang is come from at 2 detain, allied member unit was borrowed to sign in the car " oppose 2 detain pact " hind, the car shifts an industry ' 2 detain ' the problem got be controllinged effectively, at the same time as superintendency branch intervene, 2 pledge issue had gotten very good settlement. " Wu Fushen of fruiter fortune CEO also expresses, "This car borrows disturbance not big to our influence, because we are paid attention to quite,examine and approve, instead 2 sign are less than before. Instead 2 sign are less than before..
Li Zhigang discloses further, the net that where to cast returns key of dedicated all the time a job nearly two years, push those who have trade data to share namely. "This data includes two fields: It is the data of client of exceed the time limit on one hand, it is the data of industry personnel blacklist on the other hand, basically center on the personnel that has moral risk. In this respect, our car borrowed alliance to also build pertinent information to share platform, we also uploaded relevant data, obtained certain positive result. I hope this job still will continue to hold on henceforth, because this is first-rate,be helpful for the business that whole industry health expands. Because this is first-rate,be helpful for the business that whole industry health expands..
Shift the tomorrow of the industry to the car, li Zhigang expresses, "What can foreknow is, the car borrows industry future to need establish proper occupation standard certainly, these standards include client standard, staff level, service standard, wind to control a standard, still rate waits. Still rate waits..
He introduces, "Mention at the beginning like me actually in that way, future must be have certain reimbursement capacity and the high grade borrower that has reimbursement desire, ability can make our client standard. As to service standard, before including to borrow, in borrowing, after borrowing. Serving standard field, I think we need to if why closing,think seriously, provide real excellent service to the client, win through public praise later guest. For this, we also are establishing relevant service standard all the time recently, for instance ' 61 appearance ' reach ' 8 forbid ' , still include rate. I think to did not come collect fees the trend is low interest, simple, transparent, should everybody agrees with this quite, in the past a few collect fees multifariously the likelihood can disappear. In the past a few collect fees multifariously the likelihood can disappear..
"Finally is the standard that wind controls, I think future may need depend on big data wind morely to accuse to finish automation to examine and approve, will build relevant wind to control a standard. Because if be only,rely on a person, will judge artificially will build wind to control a standard, this standard may be very build hard, because the subjective judgement of each person may be different. So, in this respect we cast which net to also had built big data wind to control a system, the meeting is next further perfect, and the level that raises wind accordingly to accuse. Prospective car borrows an industry to need to undertake hard from these a few respects. Prospective car borrows an industry to need to undertake hard from these a few respects..
With Li Zhigang, the platform curator that other ginseng meets also thinks, the car that building certain level shifts an industry, shift an industry with the vehicle that through superintending baptism to become all the more closes compasses and health, will surely greet new spring.
Establish course of study to borrow subgroup of father a surname to express, "Car and mobile phone can become quick pass the time in a leisurely way to taste slowly euqally, consumer leaves do not drive, so the car shifts an industry is a periodic service. Although the near future is swept black divide evil accidentally injure eligible lender, caused certain effect to the confidence of the user, but the ablution as time, in before long the car borrows an industry can greet new spring in the future " .
But Wu Fushen also points out at the same time, competition of new round of industry also is about to begin. "This year platform people doing close neat, clear the history puts an amount, adding business newly is to combine compasses business. The platform that shifts an industry to next year car is finished add up to compasses hind, the car shifts an industry will open is new round of competition, average interest rate can reduce the trade generally, platform wants to expand the difficulty of business also can increase than this year, accordingly, the core competition ability that borrows platform to still must want to note tall oneself of bring up again as the car " .
To this, wu Fushen divulges fruiter fortune is trying the new channel that win a customer to reach in much channel reduce operation cost, "Fruiter fortune is being passed cooperate with the travel that wash a car, gas station, embed the product more as far as possible in the car advocate in the setting of the place, enhance competition ability of the core below the line. Online go up, it is a car borrow a product to embed have a large number of cars advocate in the of all kinds APP of the user, the line on such wire leaves volley force, we can will obtain customer cost the more traditional cost that win a customer is low 70% . We can will obtain customer cost the more traditional cost that win a customer is low 70% ..
