Civil | Mu Zi
Sink the market, it is a meaning extraordinary.
Be in early 90 old before, chairman of great leader hair with respect to point out the spoon of the get victory of Chinese revolution, that is to want to go adamantinely " the country surrounds a city " course. The brillant place of this one judgement depends on, it was understood thoroughly hold the Jing world power that the contain on the farmer body of 90% proportion wears countrywide total population.
In the cost that win a customer of die of bonus of discharge of city of line of increasingly rising, just a little today, sink the market is peremptory those who made bonus of increment of current spending finance is brand-new La Hai.
And the small town of the ground that has been pretty barren no longer and countryside, financial seed is sprouting in be born. Want to dig golden player successfully, must sink, understand an user truly, understand here to lose sight of " go regular " .
Small town youth rises abruptly
This year 618 shop orgiastic just rang down the curtain, each big platform discovery, consuming the market to sink is one big trend, small town youth already established position of shopping main force gradually.
In order to go all out great for exemple, the 3C product on its platform is sinking market order is added compared to the same period fast also exceeded city of line of just a little first, order exceeds 7 to become come from sink the market. Day cat is not exceptional also, buy to 5 lines city thirdly user and buy amount to grow to all exceed 100% compared to the same period, get together 18 days of accumulative total are be to one's profit the brand is pulled move 300 million new customer.
Sun Li is a typical small town young person, he what live in city of some county class, entire below parental help section bought a house, have a steady job, raised a pet, bought 10 come the car of ride instead of walk of 10 thousand.
Daily he can go out to have a meal with the friend, change garments according to the season buy the clothes, like a net to buy, the homebred tide that loves to buy economic material benefit is tasted, the film that has encountered is shown meeting go for a short while " play card " , like to play game, watch living broadcast, be outside sell spend relier again, return meeting travel one year to arrive twice.
How many does such small town youth have like Sun Li? The answer is: The 390 million person of city of line of take out just a little, city and a rural area share about 1 billion person under 3 lines.
The buying that this group of Xin Jin rise abruptly buys buyer power army besides the amount giant, purchasing power is not poor also. After the research organization is analysed to the data of statistical bureau, discover, if borrow the room purify, 3 lines of townsman can controlling income is highest, just be second line city and city of a gleam of next.
Be worth what carry is, in recent years Buddhist nun of our country radical coefficient is overall show downtrend, this means dweller income gap to narrow stage by stage, the dweller income of city of small line class, chasing city of line of just a little.
2018, our country consumption is added fast for 9% , relatively on year drop 1.2 percent, develop from 2010 up to now, the market dimensions that consumes financial industry already from erupt type growth graduate grows smoothly. And include firm of banking of the bank, consumption that hold a card inside market player product is coessential change reach the target settle or live in a strange place that gives priority to with big city group, also bring about industry competition aggravate, cost is climbed litre.
The cost winning a customer that consumed financial company 2015 is in a few yuan on average (to an user loan) , and arrived 2018 the enrollment of year end platform cost achieved 50-100 yuan. Accordingly, if consumptive banking company wants to break through bottleneck, seek new business growth, need sinks service guest group.
"The leverage of youth of city of line of just a little and indebted rate are higher, going up somehow, their risk is higher than blue collar even. " wind of firm of some consumption banking accuses chief to ever expressed.
Market of city of line of just a little tends saturated, 34 lines city makes each land that contends for surely sadly, be fully contented " the person that dig gold " the La Hai market that also was certain to consume finance this piece.
Sink, not so simple
As the swift and violent development of mobile Internet and electric business, consumptive tide is delivered faster, help strength thereby consumption of 34 lines city upgrades to warm up continuously, also changing the life of people.
A boss of mobile phone inn of small town says, buy the youth of the mobile phone to inn now, it is OK to have at least 1/3 meeting asks ask actively instalment.
In fact, the sink road that consumes finance is not level road, what be faced with above all is wind accuses difficult question.
Disappear gold company sinks through channel new extended client, include 3456 lines population of estate of townsman, blue collar, country, included many Central Banks to ask for letter report to cover insufficient multitude.
It is with rural market exemple, many leasehold platform rolled out the hire-purchase agriculture machinery that is aimed at farmer, farming endowment wait for a service, consumptive setting is enclothed stage by stage buy car, travel, decorate, medical treatment.
But, this market and city have substaintial distinction. Data of letter of farmer ask forring is short of break, they concern with what the bank happens, it is card of a piece of bank mostly, it is bankbook only even.
Because of this much player, try to use the most cumbersome the most primitive means will do wind to accuse -- inn of the door below the line and tactics of sea of faces, break the asymmetry of information through all sorts of means, whether does the person that go understanding loan have " reimbursement apiration " and " reimbursement ability " .
For instance before loan, go making an on-the-spot investigation on the spot in farmer home, raise a pig, go seeing piggery; Of cultivate land, go measuring below how many land. Perhaps go looking for village person to ask, this everybody is tasted how, yellow bet poison. Because be in a country of this model " acquaintance society " , bad of one the individual's moral, actor, village person knows almost.
Have sense of responsibility of woman of country of leasehold platform basis the characteristic of sex of general strong Yu Nan, summary gave loan to give countrywoman, want to compare man reimbursement rate to get much experience high.
"Rural male, be infected with bad bad habit extremely easily, gamble, experience is for instance yellow, card games ah these bad habits, once there is bit of symptom of a trend in the village, a lot of men can be taken bad. " a practitioner says.
And more rock-bottom, the person's desire is stronger, the temptation with need straight the darkest side and concupiscent.
Because of rural finance too too depend on line disadvantageous position to accuse, credit member the data of skill survey, decided this money almost whether transfer to a lower level. The member that have the credit with some of frame-up idea accordingly begins him have an eye to the main chance.
There is media to report those who cross them to cheat before borrow play a way. Credit member a backward village in be being carried first, find local farmer, use certificate, ask the other side cooperates, build complete set material, film the family takes a picture for instance, film the piggery land in the home, once loan is successful hind, give a farmer cost of a bit advantage. And these farmers feel to use next id card, take a few pieces of pictures, to oneself it doesn't matter is affected. After using those who leave the message with rich Id to come out even, farmer people begin to send automatically come to cooperate.
"The first my month is borrowed went out 20 much, the farmer is too easy flicker, want inflict petty favours only, become possibly ' partner ' " . One participates in the member that cheat borrowed credit to express to media.
What accuse besides wind is difficult, to certain platform, want to sinking to the market makes money and not allow easy.
Street of dawdle of electric business platform, carry market of business of cable of deep ploughing female, quicken channel to sink. Data shows, at present 34 lines consumer holds this platform than close already 6 into, before share of 4 lines city is compared, promoted among them 27% .
Chen Qi of dawdle street CEO expresses, the girl that is in small line city and even county, country cares vogue more and more, the acceptance of the red to the net brand, brand that buy a hand spends higher and higher case to fall, dawdle street hopes this opportunity that seizes inflection point of Chinese fashionable industry accelerates development.
Through consulting book of raise capital by floating shares and money sign up for data, disappear gold company understands, dawdle street is divided in 2018 annual realize gain first quarter 25.92 million yuan outside, remain 3 quarters to have the loss of different level, among them the 2nd, 3, caustic of four quarters net loss is 122.7 million yuan respectively, 180.7 million yuan mix 42.2 million yuan, annual is clean 2018 deficit 319.7 million yuan. Newest money newspaper shows, 2019 first quarter, the net loss of partner of common stock of dawdle street vest in is 140.8 million yuan, with on quarterly photograph is compared, deficit range expands.
To enlarge a guest group consume latent capacity, dawdle street APP was offerred similar pay treasure the flower consumer credit product -- Bai Fumei, but in get together complain etc complain platform discovery, what because pay beautiful consumption borrow or lend money in vain,cause is illegal urge with force received a problem to occupy all complaining almost 95% of the type.
Disappear gold company notices, complain the amount that involve not less to be controlled for 100 yuan only, and the average customer that this also is dawdle street is monovalent, this also mirrorred dawdle street to sending force to sink on certain level the market, extend low income crowd.
Some user complains dawdle street
Up to on July 9 closing quotation, dawdle market share price is 3.09 dollars / , total market prise is 331 million dollar only, compare the top 3 billion dollar after appearing on the market, market prise already shrink is 10 times closer. In the guest group on the structure, centre of gravity of dawdle market strategy already turned to 34 lines city, small town youth is occupied than bigger and bigger, but the company does not have make up the deficits and get surpluses, have a deficit more more instead.
Look want to sinking the market digs gold easily, in imagining so simple.
Profitable path
Be in same piece below the market, somebody deficient money, also somebody makes money.
If enough and attentive, you can discover the whole nation a lot of a wide place in the road, have the place that two mobile phones sell Vivo, Oppo, can appear almost the name of firm of banking of nimble letter consumption.
With dedicated at on-line consumptive banking firm differs, nimble letter puts sale focus online next loan serve a site, point of sales of field, electric car, motorcycle sells to arrange the salesperson that be stationed in inn to deal with consumption to borrow money for client spot in the mobile phone in installment business, this kind of base oneself upon at consuming setting " the mode that be stationed in a dot " it is nimble letter almost the mainstream since consumptive finance professional work is being begun formally 8 years in Chinese market sells pattern.
Up to by 2018, nimble believed business dot to enclothe 312 cities, 29 province and municipality directly under the Central Government, the client can be divided to more than 250 thousand sell a dot to enjoy a service.
And only submergence arrives in the market, you just can understand the way to do sth inside truly.
Selling manager of a when nimble believes high district expresses, in small town, the channel below the line experiences the client that uses state, hope actually to get better after service to still have very high appeal to those hopes.
"Of course, you must those care about vigilance every months far from the client of reimbursement specified amount and loan interest rate, they are cheated very likely borrow do not return. The client that has demand truly often special to discretion of reimbursement date, accrual care about. " he complements.
2018, deep know well sinks the profit of nimble letter net of the market amounts to 1.4 billion yuan, become most firm of profitable banking of the consumption that hold a card. And firm of banking of another consumption that hold a card -- consume finance immediately, criterion the net gain with 801 million yuan, house pop chart " Ji Jun " the position.
And consume ability suction gold immediately not the backside of common, also appeared to be opposite not less its product and the tone that take the doubt of Wu.
"We present enrollment the user is counted 65 million, among them the client of 60% does not have credit card, the client of 30% did not sign a letter... " on the partner plenary meeting that held on June 21, CFO of finance of the consumption on the horse and COO Guojian Neon " bask in " gave this group of data.
Disappear gold company discovers, in get together complain year complained quantity pop chart to go up 2018, banking of the consumption on the horse that the client centers in 34 lines city complains a rank effectively with 6041 the first.
About consuming finance immediately complain, basically involve force to be urged illegally close, high interest, forehead is spent innocent be frozen to wait for a problem. Have for instance complain say, "In the finance on the horse in installment mobile phone. Amount 4467 yuan. Already reimbursement 9 period add up to 3141.9 yuan. Show firm of the banking on the horse even I repay again 4026 yuan. " , "Consume financial division to issue easy and comfortable flower immediately, amount spends 13000 yuan, in collection of 2 years of time interest of more than yuan of 20 thousand principal, and the circular forehead of come to an agreement or understanding is spent, the forehead is spent be frozen suddenly, forcing person exceed the time limit, is this national blow cover a road to borrow? Is this national blow cover a road to borrow??
"Compare with the client photograph of the commercial bank, the liquidity that consumes financial firm client is opposite weaker, risk cost is accordingly higher, if think those who keep inferior to put,lend fund value, profit space can be squashed. " a relevant controller ever represented association of trade of Bank of China.
When having next media is online visitting, discover, when the client shops, need to show Id and deposit clip only, some holds a card to consume financial firm to be able to be helped complete whole loan technological process, and operation detail was not accomplished open and transparent, many false information also exist in the contract.
A personage inside course of study expresses, of finance sink, should not be to be full of a road and feline be bored with absolutely. La Hai's dig person people, of need is deep ploughing, sink, slow worker worker, skilled work, this more the essence of joint finance.
Wang Min is comfortable provincial capital city after finishing a college, returned life of native place town, get acquainted with husband here, marry subsequently parturient. They are small the family is current the biggest brushstroke finance borrow or lend money is the room is borrowed, the such as credit card of other, pay treasure the flower, Beijing east white wait for common consumptive finance tool, they did not apply for or use.
"Shop or be used to using ready money, money is spent again after having money, be free from anxiety in such hearts. If be short of money to use, that looks for kin friend have enough to meet need. " say of company of gold of bark quick offset.
But be in the home till recently the broadband add take time in, she chose price of a sex to compare taller domestic formula, but one of conditions of this product below the autograph are, should open a flower, be in future every month inside two years of time instalment. From this, wang Min opened the brushstroke instalment with unripe people on one's own side.
Old-fashioned concept, in quite long in the past time, increased the difficulty that consumptive finance develops in business of prefectural region villages and towns. But fall in the concussion of market economy spring tide, the mobile space of people has not animaled farm at agrestic, especially the alternate of young generation idea, the favor network of home town at individual the effectiveness that live and develops drops quickly.
Those who add national credit system is ceaseless help strength perfectly, believe finance " capture " small town youth and rustic aunt, be sooner or later thing.
In consumptive banking industry fast and arisen these year, a few enterprises are depended on in market of big city of line of just a little reduce attack decisive, of short duration obtains first half to compare go all out first machine. Sink in the market the second half of big trend, the competition of miserable intense just just begins.
Self-improvement of punishment of Chinese chief economist predicts Magenshidanli, townsman consumes 34 lines will from 2017 the level of 15 trillion yuan of RMBs grows 45 trillion yuan of RMBs 2030, become the main force that will consume the market 10 years henceforth.
Ran Kaiqi of market La Hairan, consumptive finance orgnaization and enterprise are seen through only, understood the market beyond city of line of ten just a little, just the opportunity fights for throne truly. Because the dweller here is the great majority that constitutes this country, these " the crowd outside 5 annulus " go up personally not only contain is worn tremendous energy, more those who deciding ups and downs of destiny of company of prospective disappear gold is basic dish.
Note: The part in article suffers the person that visit to be alias.
