Abstract: in the eyes of many investors, regulators are leveled the industry on flat line; and in the eyes of practitioners, how to capture new markets through regulatory live after cleaning, but the next bigger proposition to solve.
At the beginning of the new year
, the net loan to raise a Babel of criticism of regulatory news one after another. From Xiamen to Guangdong, from the strict control of assets to find qualified lenders. Regulation "never" to create "the hearts of the children" appearance, while net loan industry also appears in this wave of "rub off regulation" bag cover.
in the number of investors, regulators are leveled the industry on flat line; and in the eyes of practitioners, how to capture new markets through regulatory live after cleaning, but the next bigger proposition to solve……
regulation is 0, the user experience is 1
evaluation supervision as a rubber, but the net loan industry before 2017 is not a clear image identification paper.
net loan market after 8 years, indulge in the clueless, formed a "hand pen can draw" situation. No SEO, no special brand, even in the absence of professional air terminal and control against the assets of reasonable information disclosure, relying on the strong involvement of savage purchase keywords or CPS/CAP channels, you can easily be a a green hand net loan platform to achieve several billion scale. This example will occur in a few years ago, and has become the most gold platform "start empty-handed the only way which must be passed to each other".
after the introduction of a number of net loan practitioners said that the low cost of customers is the main reason.
is a well-known platform before operation promotion leader Qin Yuanxin said, a few years ago the rise in net loan, the final cost of buying a seed users just a few dollars, these are called "initial investment wool party brought by short-term contribution is far greater than the asset security, user experience accumulated by the the real effective market reputation.
in other words, in the case of bad money drives out good money, no one will choose to create a high quality user experience and investment environment so thankless business way.
this has become the second half of 2016, the net loan industry running the phenomenon of frequent occurrence of the fuse, but also the direct cause of the prelude to net loan regulation in August 24, 2016. From then on, one after another the regulatory scheme seems to be increasingly the industry to Nirvana rebirth cliff.
Ying Chan consultation will be such a phenomenon of statistics and reflected in the "China P2P industry in 2017 1 in the monthly report". The monthly report, both from the aspects of quantity, volume of platform, after entering in 2017, has greatly reduced the degree of prosperity of net loan industry.
according to incomplete statistics, the entire January net loan industry is only 4 new on-line platform, compared to the end of the year in 2016