The profit model of water drop financing is to rely on insurance to make profits.

Making money by insurance is just taking advantage of the psychology that everyone wants to protect themselves and their families. When they see that they are really ill, there is no way to come up with the corresponding money in time to support the high medical expenses. In every forwarding, we are actually reminding everyone that we don't know which comes first, tomorrow or accident. Be sure to prepare your own retreat, and buying insurance is one of them.

The Water Drop Foundation kindly reminds you that the water drop fund platform is really conscientious and has not drawn life-saving money from these people, but it also reminds us that if we want to be healthy, we must buy insurance in time. Because it is generally expensive to see a doctor now, especially serious illness, which may completely collapse the family economy. If you buy insurance in time, you can have insurance when there is a real accident, then you can get corresponding treatment and overcome the disease in time.

Since the establishment of Water Drop Fund in July, 20 16, the donations raised by Water Drop have exceeded 1600 million yuan, with an average of 400 million yuan per month. Companies with such a large flow are the favorite customers of banks. The financing period of water drop financing is 30 days. Before people withdraw their capital, 400 million yuan of tap water will become 400 million yuan and be deposited in corporate accounts. How to use these funds without third-party supervision depends entirely on the self-discipline of enterprises. Even if it is deposited in the bank, the three-month deposit interest rate is 1.5 12%, and the three-month interest rate of 1 100 million funds is 3.78 million, with an average of 1.26 million per month.

The commercialization of Didi financing mainly comes from two aspects: network mutual assistance and network insurance. Water Drop Construction has established a marketing model with water drop financing, water drop mutual assistance and water drop protection as the core. Didi Chuxing acts as an individual to obtain the publishing platform and fund-raising services provided by customers. Didi Chuxing helps members to establish a community of mutual assistance for serious illness, similar to Alipay's mutual insurance. So the water drop chip is equivalent to the diversion tool of other companies' products. From the perspective of capital flow, at present, the company mainly relies on the income of commercial health insurance to support the whole company.