P2P online loan listed departments, state-owned assets departments and banking departments give investors the feeling that they are "powerful, reliable and guaranteed". Investors have this idea based on the fact that the "three series" are not ordinary enterprises. The shareholders have strong financial strength, can bear certain risks, or have "national credit endorsement", "in-system" standard systems, etc. Today, we will learn about this “three-series” online loan platform in five aspects.

The first thing to explain is that the emergence and development of Internet finance has broken through the "boundaries" that traditional finance has not broken such as time, region, and quota, and has greatly improved the efficiency of financial instruments. Nowadays, although Internet finance is developing in a chaotic direction, various escape incidents occur frequently, which has led to the tightening of regulatory policies and nationwide rectification. But it still cannot stop the fact that Internet finance will replace traditional finance in the future. This is not only an industry trend, but also an inevitable development of social progress.

Any emerging industry must go through a budding period, a growth period, a maturity period, and a depression period. P2P is now in the "growth period" and has various "growing pains". The purpose of rectification is to achieve better development. The current traditional finance has begun to show its "decline", because the cost of traditional finance continues to increase, the inflation rate gradually rises, and the "financial services" that traditional finance brings to people make people unable to feel satisfied. Therefore, regardless of any "sect" of Internet finance, from a macro level, Internet finance is the trend of future financial development.

The three series of "Shangguo Bank" have strong business strength, strong corporate operation compliance, and financial foundation. In order to lay the future financial market, or "monopolize" the financial market, it has strategic significance. From this perspective, it is natural to "meddle" in mutual funds. Whether it is "acquiring customer resources", "diversified operations", "increasing profit sources", "direct financing" or "brand promotion", the three factions of "Shanghai International Bank" are involved, but each "faction" has a different focus. We have Detailed description and analysis.

1. Obtaining customer resources: low cost, high efficiency

Generally speaking, investors need to register via mobile phone and perform real-name authentication when investing in mutual financial platforms. Once the registration is successful or an investment is made, the mutual finance platform will have customer information and customer investment data. If the operating shareholders of mutual finance are banks and state-owned assets, this is really a good thing that suits your needs. This is like "waiting for the rabbit". Banks can use this to more conveniently sell products or "precise promotion" to customers and investors. This "customer acquisition cost" is much lower than traditional finance and traditional sales, and the efficiency will increase exponentially. Before mutual funds and online banking, banks relied on the contact information left by customers when handling over-the-counter services for marketing. After all, the efficiency and output of manual business processing cannot compare with the convenience and efficiency of the Internet. The purpose of the "listed department" in obtaining customer resources is nothing more than to use its "golden brand" to attract more people to invest in the securities market. This is a progressive logic. When investors see that the listed company they purchased has launched a mutual financial platform, can they not invest in it? Or if an investor invests in a mutual financial platform and sees that the background of the shareholders is a listed company, why don’t they pay attention to the A-share market?

2. Diversified operations: going public can gain points and can lead to “monopoly” in the future

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For the "State-owned Assets Department", diversified operations are a necessary condition for strategic development. State-owned enterprises have obvious innate advantages. With their strong background and strength, they cover a wide range of industries, so they are relatively easy to start mutual funds. Therefore, when the talent reserve reaches a certain limit and the future direction of the market becomes clear, some large-scale "state-owned" enterprises have begun to explore the mutual fund market, which can not only provide some external "risk diversification" for enterprises, but also help promote the main business development. For state-owned enterprises that have not been listed, diversified operations can also give them "extra points" in the process of going public in the future. It can also lay the groundwork for the increased profit sources we will talk about below. The most important thing is that in the future, in a certain period of time or in a certain region, there will be a temporary "monopoly" and "one dominant company". To give the most realistic example: There are local "xx province/xx city financial assets trading centers" in various places. The current controlling shareholders of the "financial assets trading centers" are generally large state-owned enterprises, or the government, urban investment development companies, etc. wait. The "Financial Assets Trading Center" currently operates in the form of mutual funds. Once a "crisis" occurs in the mutual financial industry, relying on its "state-owned enterprise qualifications" and "government endorsement", it will inevitably become "the dominant player".

3. Increase sources of profits: avoid supervision and make more money

First of all, it should be noted that banks are subject to strict regulations on both interest rates and interest rates when issuing products and distributing them. Control. Although my country's interest rate marketization process continues to advance, it has not yet reached the level of complete marketization. Therefore, in order to generate more income and increase some profits, interest rates can be appropriately raised for mutual funds where regulatory policies have not been fully implemented. Rising interest rates can be a major source of increased profits. Generally, the controlling shareholders of "banking systems" are bank subsidiaries, asset management companies, or the bank itself. The attribution of profits and the ownership of owner's equity will come naturally. For the "state-owned assets department", the diversified operation just mentioned, since this additional business is added, must be for the purpose of making money.

4. Direct finance: left hand, right hand, slow motion, right hand, left hand, slow motion replay

In the definition of "Money and Banking", the flow of funds from a unit with a surplus of funds to a unit with a shortage of funds can be There are two channels: direct finance and indirect finance. Direct finance means: shortage units can issue certain certificates (to put it bluntly, financial bills), corporate bonds, etc. to surplus units in the securities market. This is the corporate bond that was more popular in traditional finance before, and the ABS asset securitization that is more popular now. Then indirect finance means: Surplus units deposit funds in banks or financial institutions, and these institutions then provide them to shortage units in the form of securities or securities. This is easy to understand as bank lending. Therefore, we observed and compared and found that the basic model of mutual finance is direct finance. To put it bluntly, it means replacing the previous securities market with a mutual finance platform, and both investors and investors conduct transactions on the platform. This is great news for the "three series". In the mutual finance industry where policies are imperfect and supervision is not in place, if you want to raise funds quickly, you can directly sell packaged products and connect with investors through the Internet. It is highly efficient and there is no need to hold any "road shows" or "promotion meetings" and just issue a bid. . Therefore, some "self-financing", "equity investment" and "capital allocation" appeared. Especially the financing, it is simply the lyrics of the title. The borrower is short of money for stock trading, and the investor allocates the money in proportion, and then goes to the secondary market for buying and selling. What if the background of this platform is that it is controlled by a "futures subsidiary" or "xxx listed company"? The co-authors have all gone into their own pockets. Therefore, a direct financing that is not objective and has unequal information often has the shadow of "self-financing".

5. Brand promotion: appear more "down-to-earth" in its glorious image

At the beginning of its establishment and development, mutual finance was developed with the purpose of "inclusive" finance. . That is to say, everyone can benefit and everyone can participate in financial activities. Many people are questioning traditional financial banks as private banks for “rich people”. For example, the starting point for banks is basically 50,000 yuan. The threshold is high and the audience is small. The threshold for mutual funds is low and the audience is wide. Therefore, banks also want to attract more customer resources to improve their image and make them more down-to-earth. By opening a mutual financial business, it appears that it is more "people-friendly" and can bring inclusive finance to thousands of households. In addition, the bank itself is "national credit". Once the investment starting point is low and the credit is good, it can attract a large number of investors. In an instant, a glorious image that “ten thousand people can participate in” was born. The "state-owned assets department" and "listed department" themselves are also very powerful and can be number one in other industries. With their background and talents, the mutual fund industry is not necessarily bad. It seems that we have one specialty and many abilities, covering various fields. Director, once again added to his glorious image. What is ultimately important is that using the "three series" shareholder background as a brand promotion can enhance investor information and generate a strong market investment effect. A certain e-commerce shopping platform is a good example: before, the platform only operated online stores, and the shareholders and bosses were in a mess. Legend has it that one day this platform also opened a mutual financial platform, and investors flocked to it, saying that such-and-such platform , Boss XX is really awesome. If you think he can still do this, he must be very strong. The beneficiaries of this chain reaction are not only mutual financial platforms, but also the original industries of the enterprises themselves.

Whether it is a banking department, a state-owned assets department, or a listed company, they should all play a leading role in the Internet financial market. We should abide by the law and maintain fair and reasonable competition in the market. We should also follow regulatory policies and continuously improve the software and hardware of the platform. We will do our best to protect the rights and interests of investors. The most important thing is that the shareholders of the "Three Series" platform have certain authority, professionalism or "national credit endorsement". Once the "Three Series" platform is suspected of illegal business or illegal operations, it will not only bring damage to its own reputation. Damage will also shake the confidence of investors and other platform people in the entire market. As an investor, not all private sectors are risky, and not all "three series" sectors are safe. Any enterprise exists for the purpose of profit. Once there is profit, there will be buying and selling and "killing". Therefore, when investors invest in the observation platform, they must combine it with their own risk tolerance conditions and capital allocation, so that they can invest safely and enjoy returns.

The p2p risk control system is a whole. Missing any link may weaken the strength of risk control. In addition to the above aspects, some platforms also have asset mortgage guarantees, installment repayments, and financing guarantee institutions. In terms of guarantees, innovative credit review systems, etc., there are of course platforms with pledge models such as Murongbao, which are relatively safe. In addition, the risk control system also requires the security maintenance system of the online loan system to prevent hacker attacks, account information leakage, fund theft, etc.

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