On August 27, everybody gets together the fund when money announces to score gain is subordinate and wholy-owned the A of the capital when subsidiary rich annulus financing of RMB of 100 million yuan of class, the capital when rich gets together holder person money the share of 12% . If take no account of fokelore to associate mediumly,battle sends the word that pterodactyl borrows, the A that this is afraid even if is next to everybody to borrow annulus financing the 2nd with great quantity (with pick up money to borrow, cast where, small borrow a net paratactic) .
Everybody gets together money accepts favour so, what cannot leave a net to borrow domain whole to cast financing environment admittedly is hot, but this trades the financing that dimensions borrows the platform that before be not being entered 25 discharge even inside the industry to be able to have so bright eye in the net, also have the factor of pattern of its oneself trade certainly.
What is P2P3.0 mode?
Everybody gets together money is to define P2P net to borrow development course so:
(One) when P2P enters China the earliest, most first presenting a form is to pat pat borrow mode of introduced C2C of type of pure United States, namely pure on-line trades match platform, platform collection intermediary is expended, do not offer risk examine and verify and investment to assure, investor risk is carried oneself. This is the rudiment of Chinese P2P, also be 1 mode.
At the beginning of holding water, everybody gets together money also experienced the 1 development level that arranges half an year, although during this the company uses risk reserve to undertake investor loss pay for sb and expect to be repaid later, but everybody gets together the wind that money thinks this kind of mode is inherent accuses short board lead with bad Zhang tall, reserve pay for sb and expect to be repaid later is not the long way of development.
(2) the O2O mode that P2P2.0 combines below the line on the line namely. This kind issues borrower to the line face-to-face credit and risk examine and verify, trading pattern is matched on the line, reduced the investment risk of investor greatly. Everybody gets together money CEO Xu Jianwen says, at present major network borrows what platform adopts to all be 2 mode.
Everybody gets together the development need wind that because cross region,money thinks accuses personnel to undertake to the spot the line issues examine and verify, and dimensional distance caused cost of many constituent management, traffic, time, add sheet of small small finance pen loan specified amount is spent and profit margin is not high, brought about those who run " into not apply goes out " phenomenon. And, because head office wind accuses staff the borrower to place also not can hep its credence and risk are real circumstance. Accordingly, the practice inferior position of 2 mode is shown gradually.
(3) everybody gets together the particular operation mode of money P2P3.0 is the firm of small small banking that turns through searching outback this locality, assure company and investment seek advice from a company to serve as a partner, below the premise that undertakes examine and verify to their cooperative aptitude, let them undertake to local borrower risk examine and verify is mixed accuse, offer loan to assure. This locality changes assure because Cooperation Agency is relatively familiar to the borrower of this locality benefit is supervised at nearby and also urge close, reason can assure to recommend everybody to get together the high grade sex of project of the loan on money platform, the capital that guarantees investor is safe.
Look in Xu Jianwen P2P3.0 mode reduced operation cost effectively, everybody gets together the get one's own back that money gives investor accordingly is relatively tall also, year change yield to be able to be amounted to 13.5% , the redound check the number of Cooperation Agency is in 5% above, the interest rate that gives borrower also drops along with all the others, be in 24% the left and right sides. The platform cost of own collection holds small head, it is about between 2-3% . Carry this kind of kind, everybody gets together the civilian finance in relief actinic that money realized P2P platform, compose built an industry ecosystem, promoted the steady progress of the industry.
Sum up: Everybody gets together the poor dissimilation body of money now, below the line join in mode, emphasize O2O borrowing the application of the domain in the net quite. Borrow platform photograph to compare with other net at the same time, everybody gets together the loan of money searchs business to be put to the line. Be equivalent to be in harmony 360, good the loan on the line that borrows a net searched functional confluence to arrive the net is borrowed go in the system.
Borrow those who make the same score pattern of Taiwan businessman industry to compare to each net, can pursue below reference:
It is the net borrows search platform and everybody to get together below the comparison of money:
(Consulted everybody gets together originally money net A annulus financing project introduction and sina total to making interview)
