So-called and first-run financing 2 billion yuan, appraise is worth even more 22 billion yuan, anger the 3 armour a list of names posted up that breaks quantity of billions of yuan of promotion expenses, download to be on APP Store for a long time is odd, allege " person arteries and veins changes money arteries and veins " at the beginning of leasehold Bao Zicheng stands so far only 4 months, already cast again and again one after another piece " noisy thunder " . Connect the friend that colonel gentleman misses to do poineering work originally, also abandoned doing good BP and App of the first edition recently, change went leasehold treasure.
Leasehold treasure a series of high-key attitude gets market attention fully, recognition, doubt, critically sound rises suddenly. Of leasehold treasure backside control a partner, 9 vessels investment also borrows this to be in new 3 board occupy on one billion two hundred and fifteen million seven hundred and fifty-two thousand one hundred and ninety-two market prise. Face doubt, president of 9 vessels investment also is parent company of leasehold treasure backside " everybody travel science and technology " president Wu Gang is not evaded, its ever showed leasehold treasure pattern publicly " draw lessons from " pass sold marrow.
To this, colonel gentleman also is very curious, sought advice beside the friend of many know the business, want to make clear Hunan leasehold treasure is new benefit miracle after all, still be capital market is new " cap magic " .
The commercial pattern of leasehold treasure: Sale method makes sense, wind controls ability leave a matter for future consideration.
Leasehold treasure, advocate " acquaintance is leasehold " mode. You can pass leasehold treasure, extend aid to the company that is badly in need of spending money; Yi Ke passes leasehold treasure, to beside the friend initiates loan to appeal. Investigate its source, leasehold treasure aims to hope to adopt the design of Internet method and product, solve all the time since acquaintance is leasehold 3 difficult problem in mode and pain spot:
Firstly, leasehold demand just is mixed capital side information asymmetry issue. Namely capital requirement just can initiate loan information in the friend circle in platform, its demand conducts numerous capital not clearly, directionally to offer square, conduce to reach quickly trade.
Secondly, shrink narrow the profit in leasehold process is poor. Without doubt, no matter be to pass bank, small borrow, the traditional banking system that assure, the net with burgeoning or borrows platform to go up, the profit of keep of its inter link is poor all bigger (gibberish, others should rely on this a little bit to make money and cover a risk) . And acquaintance is leasehold the character of platform, benefit difference is among the decision 0, loan person Yi Yuan of average and leasehold interest rate under the loan interest rate between stranger.
Thirdly, it is acquaintance leasehold medium wind accuses with the difficult problem that sign a letter. After all, of credit and the risk state that knows a person most, family situation, nothing more than his acquaintance circle. The wind with leasehold stranger accuses, need to introduce assure the tripartite such as reserve of company, risk, insurance device with apportion risk, and accuse than the leasehold wind between next acquaintance cost and harvest is urged after borrowing this undoubted a few lower;
But notable is, wind accuses, urge harvest to be able to reduce considerably originally, but the result that wind dominates still remains deliberate.
With antedating leasehold treasure is pushed to the market, same advocate make friend leasehold " ripe letter " platform is exemple, the final step that close is being urged after its are borrowed is to break a contact person the fact that acquaintance circle discloses his to break one's promise, with break a contact damage of credence of group of square gregarious ecology is cost to ask its repay loan, but its are real effectiveness, right break a contact person awe force geometry, really bad to say.
Leasehold treasure just is true P2P, trade to be difficult problem circularly
With course of study inside one numerous hitting " Peerto Peer " the platform that renown date is engaged in a net shifting business is distinguished somewhat, if the holiday wraps changed P2P platform,the essence of leasehold treasure is truly, the credit risk that it does not assume leasehold both sides, just do not offer for financing loan " invisible firm add " , not pool of capital of lay a finger on, acting credit both sides to match the part of platform only, combining compasses aspect and do not have close anxiety.
Borrow platform to common net and character, want to realize batch to win a customer, above all what urgent need solves is platform adds letter problem, pass namely " draw near bank " , " draw near safe " , " draw near state-owend enterprise " , look for social celebrity to make credit endorse wait for Lin Lin always total means, to investor from card its are authentic, won't run the platform of the road.
However, to leasehold Bao Yan, need not headache how to come true from card aptitude. Its earnestly wants the number one a hard nut to crack of the consideration, depend on how making borrower, capital happen between Fang Zhi can trade duratively.
With leasehold the gregarious finance that is core, its are natural inferior position depends on leasehold both sides trade frequency is too low, "Lending money is frosty thing " , form user stickiness hard. How to stimulate a client finishing borrow, shift the demand beyond, undoubtedly group of leasehold treasure operation needs turn sth over in one's mind.
Besides, the circle layer with leasehold acquaintance, match degree of difficult problem, still need solution. Change and of character, leasehold treasure is in even if the user that operation has ten million to measure level after a year, but if its are leasehold chain only one step comes sortie one class the circle layer of half, borrow, borrow both sides to often still be faced with " economy demand " , " loan demand " not quits situation:
You should lend brushstroke by a definite date 3 years, annual interest is led 8% , amount the loan of 800 thousand, and the 1 million circulating fund in my hand however because purchase the potential demand of house property, only can lend 1 year; Perhaps say again, the capital of conduct financial transactions that I expect year change yield to be able to be amounted to 12% , and you are willing only however burden the interest rate of 9% .
Say candidly, in the group of hundreds person intercourse that has in an Everyman place, should finish nonstandard change " loan demand " , " economy demand " without seam a butt joint, be by no means easy thing. Consider to fall here just about, besides most outside function of fundamental loan, conduct financial transactions, leasehold treasure set newly " difference earning profit " edition piece.
In everybody Wang Lu of CEO of limited company of travel science and technology looks, besides accuse from wind, circle of the fame loss that signs letter, beak a contract oneself, good friend is offerred urge collection breath to wait, the function with leasehold the mainest treasure and value are reflected is " difference earning profit " .
Must do clear " difference earning profit " , the tripartite that setting changes is leasehold relation.
The friend B of hypothesis A initiates application on leasehold treasure platform, with year change interest rate 15% loan 100 thousand yuan; A approves the credit of B, but suffer from at hand can borrow him without enough ready money, below this circumstance A is used " difference earning profit " module, a name with A is initiated inside its acquaintance circle, year change interest rate the loan of 13% , the friend C of A makes money, systematic criterion will be automatic on the account that turns money to B.
Come so, a help B raises money with the rapiddest rate expire imperative capital, at the same time A also passes this action earn 2000 yuan profit is poor. Of leasehold treasure " difference earning profit " function, can help an user will accumulate old person arteries and veins to have dish of work, change, do not need to throw any capital to be able to get credit income namely; At the same time this function also is helped widen, extended leasehold border, the difficult problem that leasehold and bilateral demand matchs not easily is related before was being solved on certain level.
However, "Difference earning profit " the apprehension that also does not have risk border by no means, on one hand, the between two parties person in this mode was assumed assure too much risk, by absorb the function at credit intermediary, namely once B break a contact fails seasonable reimbursement, a will need to return countervail of principal and interest C on time;
On the other hand, in this mode, everybody can be based on first understanding and accredit only, help friend raise money, but the friend group that cannot make sure money flowed to the a fewth degree finally however.
citing, the officeholder C with person very wide arteries and veins, can acquire annual interest from place of D of state-owned bank middle-level the capital of 10% , subsequently C gives the friend that pursues civilian leasehold job E capital transfer, e changes capital to the small proprietor of an enterprise that pursues manufacturing industry F place again.
So person, in this chain, the camp of already of look forward to that the capital of place collect will use finally at F, or is used at folk leasehold, still cast wait to estate, stock, bond, futures, to this C cannot is informed, from this " acquaintance is leasehold " will evolve for " stranger is leasehold " . Once the extreme of capital catenary appears liquidate is difficult, will pull one hair and use the whole body, create beak a contract of conductibility of tripartite of theoretic C, E, F.
Suffer the mode winning a customer of controversy quite
About the mode winning a customer of leasehold treasure, it is the one share that gets dispute fully undoubtedly, "Allowance of 2 billion yuan of a huge sum " , " pull a person to obtain return show 100 thousand yuan " the sale shift that waits for type of series violent storm causes heat of in the bookshops to discuss already.
However, look in the Internet company that pays attention to client experience more, the rhythm it may be said that the product carries out promotion is " made big fear " :
Poineering presenter EricRies is in fact of essence of no less than its " seed profit poineering actual combat " in the idea of MVP(Minimum Viable Product) that advances, use namely the fastest, most build bright means builds prototype of product of a practicable, expression gives the effect that the product wants finally, amend detail and client experience next through iteration.
Subsequently, after waiting for a product to mature gradually, just introduce a large number of capital to break channel suddenly, the product as a child numerous user is pushed to masses user; Be like, is by no means like leasehold treasure, ask oneself world rises to receive the concentrated promotion of series bomb type namely.
"Pull superior friend to rob cash reserve in a bank, light light Song Song plays a fund " , this is leasehold treasure the sale signal that sends fervently inside circle of small letter friend. Its extend pattern, those who adopt is " one class + 2 class " promotive mode, namely the new user that total amount him = that the user wins award recommends counts *20 yuan + new user group recommended 2 class new user counts *10 yuan.
Fine fine consider, individual user A to 100 beside the good friend spreads leasehold treasure, a will achieve 2000 yuan of earnings, if there are 20 to popularize 100 people again in 100 good friends, the defray of totle drilling cost of leasehold treasure evens more about 70000 yuan, the corresponding period finishs the quantity that win a customer to overtake 2000 people.
Calculate roughly with this, inside the circular system in benign dilate (do not eliminate " abb party " and " the party that brush sheet " existence) , the average and single cost that win a customer will be not worth leasehold treasure 100 yuan, borrow platform 150-300 under net of city of a gleam of slightly yuan the cost winning a customer that differ. (what indicate here is to obtain register user cost, the cost that is not translate into to invest a client)
However, method of this kinds of promotion lifted a not small billows in industry however, many media or from media more leasehold treasure is buckled on " credit is passed market a tissue " cap, the saliva battle of world-shaking, the author is absent this give uncecessary details, visit officials please proper motion Baidu.
Pass sold definition, department " point to an organizer or operator expands staff, be developed through be opposite personnel with its the personnel amount of direct or indirect development or sale outstanding achievement are calculated for the basis and give pay revenge, perhaps ask to be obtained in order to pay fixed fee to add the means try to gain such as the qualification for the condition by development staff order of illegal profit, disturbed economy " .
The individual thinks, according to aforementioned definition, passing in marketting a tissue, the income that the line gains on is mostly by get offline the money of a pay or membership due return commission mediumly. But fall in leasehold treasure mode, no matter be to go up,line or gets offline, its income comes from an exclusive those representing capital completely----Leasehold treasure, the person that the in any way adds this platform is beardless pay any capital, also do not need to depend on development to get offline to return commission income in order to obtain.
Impartial, spill toward leasehold treasure body " pass annul " sewage is not brillant, strictly speaking is leasehold of treasure win a customer can classify arrives " the sale that burn money " , this is Internet finance orgnaization idiomatic commercial conduct propaganda covers a region, can be inside short time discharge of mushroom user, promotion, but time is actually significant change rate, client keep rate and client vivid jerk geometry, still need to make a question mark.
Actually, of HardSell of order of heavy gold offer a reward, administration " the turnip increases a club " play a way to financial company word is not new. Be like the restful group with hep public, its 2014 the beginning of the year popularizes fist shift quickly to pay a product---"One purse " , ma Mingzhe is layer upon layer allot military orders state, let each branch need to finish 50 each / person, 120 / the promotion target that the person differs, the person that popularize number seniority front row among them, will win the award that red bag of product of car, number, cash differs.
Accordingly, censure the sale mode of leasehold treasure than going, a variety of doubt of mode of leasehold treasure business, just be worth to pay close attention to more.
