2015 is first year of China's consumer credit market, in January the domestic credit market Gates officially open, Tencent currently 8 credit reporting agencies such as credit admission is completed the Central Bank's investigations and work acceptance also means that they are very likely to get a licence. On in everyone cheers waiting for private levy letter institutions door welcome guest, financial industry a jubilant of Shi, Baidu, and Beijing East financial, giant have killed into, should be letter, and copper Street, and took took loan, and immediately consumption financial, Internet financial platform and independent third party institutions is words levy letter, company also refused to behind the surprisingly enrollment, contention behind immediately faced with one hand-to-hand combat of fighting. In this qianyiji of credit markets, players have made protracted war preparations, the Giants aggressively move so deadly, layers of strangling the small credit institutions how to successfully breakout, I am afraid that only seek to find another life.
Pain points, looking for opportunities, caught in survival
Market-oriented market is fully competitive market ultimately, people are marveling at the blue ocean immediately when the Red Sea, only peace of mind analysis, can find opportunities from the pain points, between health and living space. You want to know what the current situation is: first to 8 institutions are stand out from the 20 applicants, their credit products are on-line or to start closed beta. And now has more than 40 enterprises to apply for a credit licence in the second batch, such as Baidu, Beijing Eastern financial, money, Word credit, Pat loan, and some institutions have submitted applications to the Central Bank and the Central Bank accepted. Fighting is inevitable, but careful observation, you can see the vitality:
1, and approved preparatory of 8 home institutions strengths and is divided into four class: a for deep traditional levy letter business of, as Shenzhen Peng Yuan; II for has deep financial industry background of, as back peace group of Qian sea levy letter, membership Yu China integrity credit management group of in the integrity levy letter; three for occupies Internet advantage of, as Ali Department of Sesame credit and Tencent Department of Tencent levy letter, four for has features data source of, as Lenovo Department of Lacarra, and Beijing China Road levy letter. This is perhaps the Central Bank intends to do it, make full use of private data channels and all kinds of advantages, complementary financial data to create a wide range of credit products to build a healthy credit environment, banks that embrace the trend, under the attitude the differences in sexuality means that as long as the small credit institutions are distinctive, and now complement the credit system could gain attention and encouragement.
2, the giant data advantage has yet to be verified. Private giant relies on nothing more than the broke into the credit industry is sitting on a huge "social data" and "data" as well as other data, hopes to use the past accumulation of huge amounts of data into reliable personal credit rating system. But the data is valid also in the financial risk control validation. From the perspective of international credit business development, personal loans in the past stay credit data is the most effective way of evaluating credit risk data. United States of the three major credit bureaus collect credit data for up to, or even personal consumption data, communication, social data. Even if some of the communication data, only communications pay-performance data. This means that giant data advantage is likely to melt into stands at the same starting line.
3, wears several hats Nandi focused, yearning for an independent third-party credit. Value of the credit institution is reflected not only in the traditional financial and credit industry, credit information and credit rating for financial institutions to provide customers filter and pricing decision support; more in creating integrity ecological, improve industry discredit cost, was constrained by dishonest people in the chain of financial ecology was even elected, reducing credit risk. But currently has a large body of data often has its own financial services or financial services, financial transactions, and a personal evaluation report, both referee and player, another giant still has a wide variety of business between intersections. They collect credit data itself is inappropriate in other financial institutions, but also of information integrity and fairness of the final evaluation, not to mention the sharing of data, open platform. Truly independent third party credit agencies, it is possible to do a "guard", "Observer" role, sort out this mess, so as to provide inclusive financial roots of protection, which also happens to be a simple business model "clean" opportunities for small credit institutions.
This means that credit institutions compete with the Giants in the Center is not a one-dimensional data race, but based on multidimensional PK Center financial scenarios to users. Kabam this fastest United States gaming company
Differentiated breakdown scenarios, small credit institutions is well worth doing
Since Ali Tencent peace are of levy letter of road is not flawless indestructible, small levy letter enterprise as to Jedi counter, on can full play their advantage, insisted independence of while height focused and focused Yu subdivision market, in differences of application and extended in the and giant dislocation competition, and constantly innovation levy letter mode, efforts became subdivision field of led enterprise, to ran out himself of a sky. What is cost less, well, specific areas of social influence and have the opportunity to take root?
1, P2P NET loans
Wild growth of P2P networks and loan industry today is scarred, industry restructuring to shuffle, industry is growing, such as: 1 poor quality, customers, primarily from banks with low credit amount customer and lack of access to traditional customers of the financial credit belongs to subprime customers. 2, high interest rates covering high risk, namely P2P clients usually bear high interest rates models there is a huge risk. Once the user information has been banks or credit companies informed that will produce two possible: first, the borrower was identified as high risk to be black, losing low-cost access to capital may so customers fear through P2P finance; second, customers are likely to be low interest rates of others looted. 3, the industry there is a borrower fraud, many problems such as excessive debt. Industry, operations and bad debt under the condition of high cost much-needed credit bureaus provide credit guarantees to achieve stage protection, help industry transition and upgrade. Giant currently has initiated action, such as former United haizhengxin founded by Lu Jin "people's communes" open platform designed for P2P provides flow gets, products design, risk control, and system services; Sesame credit with building block box, melting and other cooperation. Credit proposed in the word "protection" concept, building set contains only the P2P and other non-banking credit information system, so as to serve specific groups of borrowers can be considered a valid attempt.
2, credit health
Mobile O2O draught segment of the market, there are still many where improvements can be made, such as registration, testing, such as process, is tedious and needs to move back and forth, line many times. Levy letter institutions if can and hospital cooperation, from convenient patients of angle starting, established effective of medical service levy letter network, let patients in accept all clinic service zhihou again in payment window one-time checkout, or select away from hospital Hou in levy letter institutions service terminal (as app, and website, and micro-letter public,) Shang paid outpatient costs, for user provides a station type medical service. In this way, by way of credit can save doctors and patients a great deal of time and resources to help alleviate the problem of hospital. Credit reporting giant does not currently involved in this industry, medium and small credit institutions still have a chance. But in the absence of credit now, how to ensure all patients to comply with the Convention in accordance with the payment process before seeing a doctor was a test. Perhaps, as a former Shanghai credit Research Director, current word credit CEO Jiang Qingjun said: "to achieve" good faith in China ", the significance of trade credit is one of the most reliable, is the most effective way. "We need to promote community participation in the construction of credit health, medical information network in various cities.
3, the credit business
Business is characterised by high frequency industry, credit reporting agencies, in cooperation with a variety of hotels, providing credit data support for the hotel guests to good financial results from deposits stay and rounds out service. And on credit bad of guest collection its promise information and meeting into stay behavior of credit information data, on times promise who take no longer enjoy credit hotel service even will promise records shared to other hotel, disciplinary measures, to established everyone can enjoy credit service of credit hotel industry, currently Sesame credit, and is words levy letter are has involved, other small levy letter enterprise into last not late.
4, more scenarios, such as:
Library credit: through partnerships with major libraries, provide deposit-free library services for good credit, and establish a unified credit information database for the credit, credit in a legal premise can be queried by other credit institutions and so on.
Credit recruitment employment scene: by working with employers and human resource service company, collecting personal and trustworthy in the course of employment or credit, and in the field of recruitment and employment or other credit use, thus contributing to improve the social environment of honest employment.
Credit scene of apartments and cars through leasing and car rental companies or housing companies as well as individual rental housing co-op, collect car the lessee's credit information, reducing the risk of leasing companies or rent personal.
Credit dating dating scene: through cooperation with the blind date dating site, or through individual dating dating occurred during the credit information, credit information collected participants, and for use by blind date dating site or individual participants, improve the level of participants and trustworthy in this field.
Business credit: by collecting personal credit information that occurred in the course of business, forming business credit history, both query using for business cooperation, and contribute to increased levels of business credit.
Reservation reservation credit scenes: with restaurant and hotel services, record reservations booking credit, for restaurant hotel industry agencies provide different standards of reference for different subjects, individuals responsible for meal reservations for themselves.
Installment credit: for e-commerce operators to provide customers with credit and installment payment services provides credit decision-making process, help businesses improve their turnover.
Anyway, small levy letter institutions in do risk tube control service zhiwai, more need focused on products innovation and diversified application, help subdivision industry established industry credit information shared platform, established credit punishment mechanism and credit self optimization mechanism, early do "Guard soldiers" late do "waiter", established socialization levy letter platform, promote social credit ecological of perfect, became Bank levy letter of powerful added, building credit ecological system, in opened new credit times of while get itself growth of opportunities.
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