Join falls with the line on the line that true O2O is not people imagination probably, however of a kind of efficiency optimize with cost cut down. Those two O can be random two O, the key is among that 2 should have effect. The loan that P2P net borrows just comes from with leasehold Fang Jun below the line, the O that can be inspected two to become independent, and what platform acts as is among that 2, have join effect, businesslike security joins.
P2P net borrows what platform does is finance trades match, it is OK of course that this kind is matched very fast, find to be willing the person that loan fund gets income wants with the person that borrow capital pays interest is not difficult, online even fall to also can do minute minutes, but find those who rely on chart is leasehold just mix a debit side is very bad. In traditional banking system, brushstroke loan needs all sorts of flow to undertake assisting, accuse ability to appear finally through layer upon layer wind before lender, its purpose is for trading security, but its difficulty depends on how be between risk and user experience, efficiency and cost seek a balance.
The main reason that Internet finance is thought the future is infinite, it is the fall of the promotion of efficiency and cost. Be in for example delightful borrow platform to go up, all wind when lend brushstroke loan accuse flow to won't be short of break, but this one flow can be shrunk inside very short time, inside minutes minute with the means of science and technology the credence that finish is evaluated, this photograph to traditional banking industry it is a kind of stride spans. Delightful borrow roll out extremely fast mode, the forehead can be made spend feedback inside 1 minute, loan is made approve a nucleus inside 10 minutes, made sure while efficiency promotes risk pilot is rigorous quality, at there also is qualitative promotion for cost control.
OK and affirmatory is, any credit business cannot be short of wind to accuse, but user experience is to need to use " fast " will come true, trival wind accuses flow to be able to make potential user prediction of a person's luck in a given year, and simplified wind accuses to be able to make trading security sells at a discount. Actually safety and fast this is both not contradictory below new technology condition, the technical medium that crucial question accuses in Yu Feng is ceaseless and developmental, flow lets shorter and shorter below the circumstance that assures safety, trade time is faster and faster, the service can gain the favour of the user naturally, let suffocate suffocate embrace Internet finance at the potential user of trival loan technological process.
Internet asks for letter and form of the traditional expression that sign a letter to differ, but connotation is identical, it is a basis with external condition, and the strong point that this is science and technology. Financial core is wind accuses, and the core of Internet finance is wind change on the route that control. Each loan should employ the bank quite resources goes doing wind to accuse, internet finance condenses all these be inside very short time, the labor power that need employs and financial capacity also are done not have so much, this reduced cost directly, promoted an user the experience.
But the promotion that the user experiences is not everlasting, still should be in certain and convenient try abstemious, cannot cater to an user unprincipledly. P2P is to join loan just is mixed substantially a debit, the profit that gives debit side comes from loan square reimbursement, and loan demand is long-term demand mostly. If many short-term high profit is done to invest a project below this kind of mode, although short-term inside can attract a lot of users, but will for a long time look, will produce very big liquidity risk.
Education of investor of by this token is very important, the user needs to understand, cannot go up with the net buy dozen of state of mind that loses money to do Internet finance to invest conduct financial transactions, go comparing which affirmatory profit highest. The sky can fall down without pasty, in the one night in Internet finance upstart state of mind can not have. Conduct financial transactions is long-term and have durative thing, short-term moment of high interest more is stunt only.
Increase profit through allowance go up attract an user, not be a well-advised method actually, once prospective yield became low, these users also are met prediction of a person's luck in a given year arrives to go somewhere else. E.g. , delightful borrow anticipate at present year change yield to be in 10% the left and right sides, give priority to with investing a project for a long time. Can see, what platform is aimed at is the user that those can hope to be able to achieve stable earnings for a long time, compared with strong move short-term high interest stunt and the user that come, this kind of user is right valence watch is tall for platform. Delightful the tone sex that borrows an user and platform photograph are consistent, although near future yield fell, still invest enthusiasm without injury, trade amount innovates repeatedly tall. This explains, delightful the user of conduct financial transactions that borrows platform to go up compares reason relatively.
Actually, internet finance did not imagine in so simple, want to had made the experience of the user not only, let an user be in even leasehold the safe feeling that comparatives from time to tome, control cost even meanwhile. Of course, technical force is the fountainhead of drive all these, o2O among that 2 do very have technical content, more or less do this trade than coming true the forehead is valuable.
