1, e-commerce staging products-flower buds
E-commerce staging is a particularly popular concept this year. It is somewhat similar in nature to a virtual credit card. You can enjoy a certain interest-free period if you spend first and then pay. The limitation is that the platform is very fixed and can only be enjoyed on an e-commerce platform. In 20 15, e-commerce cut into people's online shopping in stages, and the Double Eleven Flower Garden achieved beautiful results when it joined the payment melee for the first time.
What other e-commerce staging products are there: Baitiao in Finance-JD.COM, JD.COM, Mushroom Street-Buy Baibai, Vipshop-Weipinhua, etc.
2. Online credit products-small loans
For internet e-commerce, seizing the credit card market is obviously not enough to satisfy their ambition to enter the financial field, so it is not surprising when their tentacles extend to microfinance business. At the end of September, 20 15, wechat bank micro-loan was officially launched on wechat. It is estimated that 600 million users will borrow from Weizhong Bank in the future.
What other online credit products: Alipay-Loan, Xiaomi Finance-Xiaomi Loan, Netease-Netease Small Loan, etc.
3. Bank fast loan product-e-second loan
In the field of loans, banks have been firmly in the top spot of big brother. But now, under the impact of the Internet, banks are constantly changing, and the fast loan products that are constantly operating on the Internet are reviewed in real time, and the fast loan is officially defended against the enemy. The e-second loan of Guangfa Bank is an example. Even if you are not a user of Guangfa Bank, you can submit a loan application.
What other quick loan products: China Merchants Bank-Flash Loan, China Construction Bank-Quick Loan, Shanghai Pudong Development Bank-Puyin Point Loan, etc.
4. Decoration loan product-willful beauty home
In 20 15, consumer loans rose rapidly. In the field of consumer loans, many market segments appeared, and decoration loan products were one of them, taking Suning.cn willful Meijia as an example. It was difficult to apply for consumer loans before, and the expected annualized interest rate was high. However, the willful Meijia vowed to carve up the cake of decoration loan with such preferential measures as no mortgage, no guarantee, 12 zero down payment, zero expected annualized interest rate and zero handling fee.
What are the decoration loan products: Suning. cn- willful Meijia, Tubatu-decoration loan, etc.
5. Travel loan-down payment.
Similar to decoration loans, special tourism loans are more convenient and preferential than traditional consumer loans. The down payment loan is one of the representative products. This is a tourism loan installment business developed by Tuniu.com. Tuniu.com quality users can enjoy the discount of 12 installment fee after opening the quota.
What other tourism loan products are there: Tuniu-Niu staging, Qunar-Zouhua, Yisheng Small Loan -5 1 staging, etc.
6. College Student Loan Product-Famous School Loan
The popularization of consumer credit market needs the participation of college students. Although college students are not as good as ordinary white-collar workers in repaying loans, their stickiness and future potential should not be underestimated. As a result, credit products for college students came into being. Famous school loans are the best among them. As long as all college students (including junior college students, graduate students and doctoral students) can apply, the loan amount can basically meet the consumption needs of ordinary college students.
What are the loan products for college students: I come to lend, tide loan, etc.
7. Farmers' loan products-online agricultural loans
College students are the user groups robbed by financial institutions, and so are farmers. 20 15, the pure credit loan for farmers and children in the village-Wangnong Loan, came out under such a scene, and the living water of Internet finance really poured into the countryside.
What other products are there for farmers' loans? JD.COM. COM- Beijing agricultural loan, etc.