Car, nursery school, graveyard, 2 embryoes, disappear gold main forces is killed go new setting, the

2018, consumptive finance is entered " strong superintend year " , setting shifts industry development with cash in installment, not quite hopeful.

Present condition in installment domain, have setting, the beauty that be like cure, education, hire a room to wait, already adversary everywhere, fight closely is intense.

Then, many enterprises begin to dig new setting, choose new break out of an encirclement.

Nursery school, car, of the setting such as 2 embryoes, graveyard in installment, begin to be dug gradually.

"For instance of nursery school in installment, in the whole nation the market that is 2 one billion two hundred and fifteen million seven hundred and fifty-two thousand one hundred and ninety-two level, cannot small gaze.

Those who make a person amazed is, they try more than one year, loan amount more than 100000000, unexpectedly " 0 exceed the time limit " .

Have the place that consumes demand, will become disappear gold battleground eventually.

And many consumptive setting, awaiting dig...

"Go with its fight closely of the Red Sea, be inferior to developing new La Hai. " Liu Yi weighs the controller that consumes department of financial new business, they already half an year of survey new setting, although the opportunity is fascicular,discover, but key is densely covered at the same time.

Recently, in the backside with car fervent finance, new rise abruptly a new pattern -- car mix in installment car borrow.

In city of a gleam of, a car the price does not poor.

It is with Beijing exemple, 5 annulus and the car beyond 5 annulus all valence, be 150 thousand to 200 thousand. The high-end car of urban core area, the price is 40 go to 600 thousand yuan; And a few villa and top class village, car the price is to be as high as 1 million more.

"The core logic that consumes finance is, the consumption of any chunk, OK in installment. " Liu Yi says, the car of big city the price, keep balance with car even, can derive financial service completely.

Accordingly, in a few southern cities, car borrow begin arisen.

"Can the car guaranty, borrow dispatch a vehicle of the price 78 into loan. " a car borrowed wind accuses personnel Lu Yuan to say.

For instance a car 200 thousand, highest and OK loan 160 thousand.

"Current, still begin to do without normal big platform, but derive as what the car borrows article, already many door inn try. Current, changsha already had special door store. " Lu Yuan says.

Besides, car the one part that regards big head as defray, can do likewise " car in installment " .

"Operation logic and buy distinction of it doesn't matter of a mobile phone in installment, pay certain interest, cent 12 period or more period reimbursement. " Lu Yuan says.

No matter be a car borrowing still is a car in installment, it is the car borrows a deepness of the market to derive substantially article.

"This market also is one billion two hundred and fifteen million seven hundred and fifty-two thousand one hundred and ninety-two level, because of every car backside, involve a car necessarily. " Lu Yuan says.

Interesting is, car it is better that wind accuses to be borrowed than the car do a few.

Opposite car for, car is very agile, some clients are after vehicle of financial orgnaization mortgage, still can take out the car again mortgage secretly other orgnaization, the industry often encounters " 2 touch " problem.

After the event, financial orgnaization must go to full world land recalling a car, grab a car.

And car with house property, belong to " praedial " , "Did not run " .

It is relatively good that wind accuses do, but after borrowing, urge close, it is the difficult point with this the biggest setting however.

If the client appears exceed the time limit, financial firm is direct without method the car change the name of owner in a register or auction, they can acquire a vehicle only " right of administration " .

"We can the car the client rental, want ability 6 years to answer commonly this. " Lu Yuan says, this is the place with this the most special setting.

Orgnaization of a finance, most cultured is " cash flows " , fluidity is the first element.

Although car borrowed bad Zhang rate is not high, but " after borrowing, urge close " the cycle that return a money, too long rather.

"Say so, although look this setting is very sexy, have imagination very much, but it is difficult to still have its captured difficult problem. " Liu Yi says, good luck and risk, often be accompanied and be born.

A more than 10 cars of smooth rice, the price one billion two hundred and fifteen million seven hundred and fifty-two thousand one hundred and ninety-two, but have a field, the price exceeds a car even with house price.

That is graveyard.

The price of graveyard of countrywide each district, quickness hurricane, a lot of places exceeded room value even rise.

According to media coverage, nanjing general becomes aware temple cemetery grave price ever exceeded every square metre 20 times of local house price;

Heibei Zhuo city is familial graveyard ask a price 3.68 million yuan;

Top price amounts to Xiamen graveyard 22 thousand yuan / square metre, ceng Gao is making work at Xiamen house price.

These breathtaking data, the person that lets see begins from ridicule: "Want to absolutelied refuse to to rise to death. "Want to absolutelied refuse to to rise to death..

But undeniable, this is " flourishing " the market.

According to " almanac of statistic of Chinese civil administration " offerred data makes clear, funeral and interment is consumed with annual the speed of 18.9% is climbed quickly litre.

And platoon of course of study of funeral and interment is after chip of estate, electron, making trade of the 3rd large sudden huge profits.

It is early a few years ago, each are big the bank ever had tried " graveyard in installment " .

But finally mostly by force of " public opinion pressure " , suspended professional work.

"It is bad to publicize really, everybody is scolding us is the money that earning a the dead. The bank is guarded relatively again, suspended professional work so. " the business chief of some bank says.

And consumptive finance is fervent recently, company of many finance science and technology rises abruptly. They do not have the thought package of the bank, the orgnaization that enters graveyard market is increasing.

This is an one billion two hundred and fifteen million seven hundred and fifty-two thousand one hundred and ninety-two markets.

The dimensions of town graveyard market of whole China has 260 billion.

"We once had tried period of time, the market is really huge. " Liu Yi says, for instance a graveyard of Beijing, had buried the geomantic treasure ground of celebrity, price is as high as 20-30 10 thousand.

According to media coverage, below Beijing sweet foot of a hill 10 thousand install cemetery, average rice price 200 thousand, property right 20 years.

But in the belief that " give shade later generations " say, a lot of people still are willing to spend money to buy a good graveyard.

"Demand is really exuberant. " Liu Yi says, their mode and like buying a house, head pay 30% , the money that leave, can 1-3 year in installment.

But, the difficult point with this the biggest mode is, reimbursement apiration is not quite intense really.

2016, fine data of statistic of the cemetery that start city, old grave area and new tomb area add in in all 2393 graves are defaulted in installment Bao Jie is expended, exceed 10% what total grave counts, some even already 20 did not hand in Guo Baojie to expend for years.

Be cost of graveyard Bao Jie only is small in installment, already such. If change graveyard in installment, probably data will be more miserable intense.

"Urge very hard close, the room is borrowed did not return, you can call in the house auction again; But graveyard owes cost, cannot you always come to the person from graveyard gouge? " Liu Yi says, rate of this mode exceed the time limit is high, urge it is more difficult to close.

Besides develop old, outside the market that has not been pervaded by finance, a few new occurrence consumptive demand, also begin to be dug to come out.

2 embryoes market, it is a such blue sea.

2015, our country unlocks 2 embryoes in the round.

The data that occupies research center of baby child industry to announce shows, 2015 dimensions of mother baby market 2 trillion yuan, to dimensions of mother baby market will amount to 3 trillion yuan 2018, did not come 3 years compound add fast amount to 14.5% .

And after 2 embryoes are unlocked, average and annual the Mu Ying that adds newly is consumed, will be as high as 300-450 100 million yuan.

These demand that increase newly, brewing a huge consumptive market.

"Take bear this thing for, exercisable limits is breathtaking. " Liu Yi says, now, the cost that the female bears is more and more expensive, 20 thousand - the price of 100 thousand has.

Many hospitals and financial orgnaization cooperate, rolled out " childbirth formula " .

For example head Fu Yicheng, divide next 6 period reimbursement.

Still have a few places, roll out even " 0 pay, 0 interest rate " the month supplies unripe baby.

But in 2 embryoes market, bearing is only among them small one ring.

After the child is born, all sorts of consumption will be following one by one.

"After 2 embryoes are unlocked, huge to an industry generation impact, this industry is nursery school. " Chen Xian says.

Because 2 embryoes policy is unlocked, cheeper amount increases, predict 2020, nursery school amount of the whole nation can amount to 300 thousand, among them the amount of nursery school of run by the local people can amount to 200 thousand.

And those who be aimed at nursery school of run by the local people put borrow, be special, and the market of unmanned development, but financial demand is very exuberant.

Chen Xianceng crosses nursery school of run by the local people via research, discover this group takes high specified number very hard to give a letter.

Because nursery school and hospital are same quality, belong to commonweal career, do not have method to make pledge.

They get the way of capital, go to local bank borrowing money only commonly, but can borrow with individual credence only, highest amount also with respect to 300 thousand.

But, nursery school is industry of huge of demand of a cash shedding. Of the bank this 300 thousand, cannot satisfy their requirement far.

Open new nursery school, of old garden rebuild face-lifting, buy school bus, realia, these are big head pay, need much ready money.

Chen Xian has been calculated, a year of defray at least " 1 million " .

Such conversion, 200 thousand nursery school, this is an at least 2 markets of one billion two hundred and fifteen million seven hundred and fifty-two thousand one hundred and ninety-two.

And this huge cash gap, in the past, can pass underground only usurious will satisfy.

"Usurious accrual, prep above 36% , still do not borrow even. " accordingly, chen Xian tries to cut nursery school market.

What Chen Xian gives nursery school is average give a letter, be 400 thousand the left and right sides, reimbursement cycle 2-12 the month differs.

And the wind of this setting accuses to also be compared interesting, cheat the person that borrow to be permeated very hard almost.

"The key counts poll namely. " Chen Xian says, go a nursery school makes an on-the-spot investigation on the spot, look to whether have so much student.

And the way that proves student quantity, without number, for instance, go cup of water of nursery school number, rice bowl, count the small bed of siesta, still have, the gathering receipt that examines calendar year is waited a moment, it is means.

"If should be cheated really,borrow, want to forge the child of one whole nursery school, this is very difficult. " Chen Xian says, accordingly, opposite for, it is not difficult that wind accuses.

He discovers an interesting phenomenon, these garden are long, 80% it is a female, among them half above, it is divorce female. And female leaving other, be being thrown to nursery school is adv unimaginably, "Basically can regard as oneself child will bring up " .

They teach degree normally tall, more conscientious, "So, this crowd break a contact or not the probability of reimbursement is extremely low " .

Reimbursement ability and reimbursement apiration, in this setting, judge very easily.

"We between a year of a long time, on loan 100 million yuan, give 200 nursery school loan, up to now, 0 exceed the time limit. " Chen Xian says, just walk along cycle of a loan nowadays, each square data is behaved, it is breathtaking.

And Chen Xian still has taller ambition.

After infiltrating B is carried, they try to infiltrate C is carried again.

"After with B upright deepness is bound, the tuition of redo student in installment, maneuverable much. " give a letter to B end first, again prize C end, this one billion two hundred and fifteen million seven hundred and fifty-two thousand one hundred and ninety-two markets will extend further.

But the difficult point with this the biggest setting, win a customer namely.

"Nursery school this market, center again dispersedly. " Chen Xian says, centralized means, save greatly in the education such as Henan and Shandong, nursery school is bristly, compare concentration.

"But a lot of areas, nursery school is dispersive, occasionally, in the client that an area develops, can't cover your personnel cost. " Chen Xian says.

Most crucial is, grow this group field, it is 60-70 mostly hind, "The acceptance that they change these financial methods to negotiable securities of safe, P2P, capital is spent very low, the cost that educates an user accordingly is extremely high " .

"Consume money market, more than wanting to be gotten greatly in the imagination. " Liu Yi says, any setting that can generate consumptive demand, cannot small gaze.

Although market player is numerous now, superintend also be in chase intercept, but, new setting and demand, still be being dug ceaselessly.

God closes a door, be sure to open a window.

Consume development process of finance, be like not reversible history train, can rumble only forward, overwhelm...

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