P2P Net Loan To Foster Trust Is Still The Top Priority.

Misreading? Normal?

Yes

The bias is more direct for practitioners.

Guangzhou e loan president Fang Song once worked in a big state-owned bank's investment banking department. In 2009, the small loan company began to enter the small loan industry at the beginning of its trial, and the P2P platform was launched in 2014.

Speaking of the industry, he said frankly, "sometimes I tell others that I can't do P2P."

He said, for example, because there was no regulatory threshold, there was a lot of mixed traffic. There had been a platform open in the morning and ran away in the afternoon. "We are all associated with some people.

It was a bit more social and respected. Now people are always wondering if you are cheating me or usury. "

Fang Song believes that the role of P2P is in dilemma.

The mainstream view is emphasizing the information intermediary and taking a clear-cut stand.

Once there are problems, and we hope to be able to make the most of them, we must consider social stability and protect the interests of the weak.

In fact, there is a contradiction between them.

P2P must be an intermediary of information and must bear the responsibility of credit intermediaries.

These two roles abandon all kinds, and they are all out of joint now, but they are considered abnormal.

He said that it can only be said that the industry is still at the initial stage of development, and there are any forms.

An investment bank's head of wind control said, "some people think that I used to be an investment bank. I take money to inspect other people's projects every day, and I have a lot of scenery.

Now engaged in the Internet financial industry, every morning and night, making money selling cabbage, but selling white powder heart, for me is not worth it.

As a matter of fact, I think they often see problems but fail to see opportunities. "

He said the Internet.

It provides a lot of room for imagination, and more of them are filled with opportunities and no reason to feel unworthy.

Zhang Zhiwei, vice president of fortune net, was a lawyer. He also met with friends' questions about P2P.

But he thinks the misreading mentioned is in every industry.

The so-called "newborn thing, its shape will be ugly", the P2P industry as a whole is very small, encountered some questions very normal.

Zhang Zhiwei believes that the popularity of Internet finance has the meaning of "financial attraction".

Historically, the traditional folk financial pactions are usually interpreted as usury, the most intuitive is Yang Bailao, and the modern financial industry is foreign, the intuitive impression is tall buildings, suits, returnees.

These are misunderstandings.

He said that Internet finance was spontaneously generated. It is the Internet of private lending. There is no mystery, but the maturity of the industry and investor education are all a process.

Ye Yinghui, a financial fan, also responded that the misunderstanding of the Internet financial industry has always existed. The fundamental reason is that COO has not understood the role of the Internet financial industry in the overall economic slowdown and the structural pformation of the economy.

Although there are many banks and state-owned enterprises, listed companies and other capital and talents entering the industry, if we can not go deep into the industrial value and optimize the allocation of resources, we only have to earn a profit margin, and naturally we can not find a sense of belonging.

This is actually a financial anxiety.

Because of misreading, brand differences show value.

At an exchange meeting held in April 19th, Chen Xiong, director of tiger financial "China net loan series index", believes that there is a very obvious brand premium in the net loan industry, that is, the difference in yield between platforms with different shareholders' backgrounds is not only due to the difference in asset quality, but also the brand factor.

For example, the most typical example is a platform with factoring as the main business in Shenzhen. The rate of return on investment is 12%, while Sina micro wealth sells its products 5 times in March, and the return on investment is 7%.

The reason is, Chen Xiong believes that investors can not effectively screen and select information, rigid payment does not break the background, the brand is valued by investors.

Because of this, he believes that only a few platforms in the future can become platform companies with strong brand influence. Other platforms need to focus on or focus on asset development.

In order to foster trust and build brand, P2P's marketing means are constantly being renovated. The P2P platform market leader said that this year will be the marketing year of P2P, and the platform marketing costs will continue to be overweight, and the ways will also be innovating, including subway advertising and sports events naming.

In another set of data provided by Chen Xiong, the yield of the bank's background platform is always higher than that of the bank's financial products, and it is more willing to give up profits. The yield difference can reach 1.2 percentage points.

In this regard, Zhou Chunsheng, a finance professor at the Yangtze River Business School, believes that assets that are equally safe with banks are higher on the Internet, which is obviously abnormal.

"Brand should be meaningless to products, unless brand represents no risk."

After the heated debate on Internet finance, Zhou Chunsheng and several of his students launched the P2P platform in February of this year, namely Li net, and began to practice the concept of Internet finance.

He believes that what P2P lacks most is trust.

The reason why the platform is willing to give up real gold and silver is the lack of compensation for the lack of trust.

With regulatory landing, this trust can be nurtured, "just like Taobao used to cultivate the habit of online shopping."