Source: Suzhou Daily Newspaper reporter Zhu Xi
For many industries, the Internet seems to be an accelerator and amplifier. The original pattern has been broken and everything has developed rapidly. This utility has also been fully reflected in consumer finance. The new consumption scene is constantly being added. The country introduced a series of policies in 2015 to further liberalize market access, making 2015 the first year of consumer finance. The reporter found that the innovative development of consumer finance has enabled the institutions that have been involved in it to achieve their own "small goals", and the reasonable "leverage" seems to be becoming a weapon for many consumers to incite "happiness."
Staging to buy furniture, warm home, settled
For Mr. Zhou, after 80 years, it has been almost eight years since he came to Suzhou, but he has never had a sense of belonging. Until recently, he felt that he was "falling in the ground" in Suzhou. "I bought a house last year. The furniture I bought this month has moved into a new home. I finally have my own small family." Mr. Zhou told reporters.
Indeed, people always have their own house, they will feel calm and no longer float. However, the reporter learned that Mr. Zhou’s “landing†this time is not easy from the perspective of the process. It turned out that Mr. Zhou bought a house in Wangting last year and started to renovate this year.
However, when I went to Sakaguchi Furniture City to see furniture at the beginning of August this year, Mr. Zhou made a mistake. He fancy a set of furniture with a total price of 80,000. "Buy a house to make a mortgage loan, but because it is a rough house, the decoration is still It costs a lot of money, and the reserved funds for furniture is not enough.†Mr. Zhou told reporters that he was prepared to reduce some budgets in other areas to make up the 80,000 yuan, but after calculation, Mr. Zhou did not seem to have Where to find, can "deduct" the funds of 80,000 yuan.
However, as China’s old saying goes, “The ship is naturally straight to the bridge.†When he went to see the furniture for the second time, the owner of the furniture shop suggested to him that he could buy it in stages, 80,000 yuan. It is divided into 36 periods and it can be about 2,700 yuan per month. "At the time, I felt suddenly clear, and I applied through the owner of the furniture store."
In mid-August, Mr. Zhou got the 80,000 yuan he needed from the Construction Bank, and he told reporters that he actually did this staging through an Internet platform called Jiaju Finance. The money was obtained from CCB, but the application was applied for in the financial sector. What is going on?
After the interview, the reporter found that the staging product that Mr. Zhou did was actually a product called Go Jiaju and Construction Bank, which was called “GO Stagingâ€. In the Qikou Furniture City, the reporter did find that there are many places where I have to buy furniture in the "GO staging" stage. Cai Sheng, general manager of the company, told reporters that “Jiaju Finance†is a project of the company and currently focuses on consumer finance. Since the company has been deeply involved in the furniture industry for 8 years, “GO Staging†is the main force of “Jiaju Financeâ€. The product has just started running in August this year.
"Our platform currently has more than 2,000 cooperative merchants in Qikou Furniture City, Yuexing Home, and Sixth Space. Once consumers have the needs of the installment, they can apply through our partner merchants on our website and fill in the information. Then we handed these requirements to CCB and asked them to review and decide whether to lend.†Cai Sheng told reporters that such banks do evaluation and provide funds, and the Internet platform provides consumer data and consumer demand, which is a kind of current consumer finance. The main form of cooperation, both partners can play their own advantages, and each needs, consumers also get the furniture they want, is a win-win state.
Banks force consumer finance to "harmony, win-win"
The reporter found that the cooperation model between CCB and Go Jiaju is one of the main forms of banking in the consumer finance field. Of course, the relationship between banks and merchants is two-way. Banks will also bring their own Customers go to the business to get better products.
From the business side, the layout of banks in the consumer finance sector can be divided into credit cards (staging) and consumer loans.
On July 5 this year, the credit card department of CCB Suzhou Branch released its new products for tourism instalment. According to the manager of the Credit Card Business Department of the Suzhou Branch of the Construction Bank, through cooperation with the cooperative merchants, the bank and the quality tourism partners will be shared for the tourism installment customers. Service Platform.
It is understood that the product is based on the actual travel needs of customers, providing a maximum of 150,000 yuan of exclusive installment quota, can be used to pay group fare and overseas consumption, fully meet the travel expenses of customers such as travel and travel. At the same time, we provide customers with preferential services for overseas consumption of Long Card Credit Card and up to 48 zero-interest low-rate installment services.
“In the field of consumer finance, the role of banks is the provision of funds and the access of customers.†Manager Chen told reporters that for banks, the authenticity of consumer behavior is the first, because banks are operating funds. In order to ensure the security of funds, risk control is the most important.
He believes: "At present, more and more young people are under financial pressure due to the purchase of houses. Banks of various staging products have become an important means for young people to release their purchasing power, and installment products such as home improvement, tourism, and car purchase. As the number continues to emerge, banks are able to provide more quality products from their partners through their own funds to provide customers with instalments, such as: 0-fee 0 fee for car purchases."
Consumer demand is real. From January to July this year, CCB Suzhou Branch has invested nearly 1.7 times in the same period of last year. The overall market size of Suzhou has exceeded 10 billion. Manager Chen said that life consumption is based on the individual and family of the customer. It is closely related to whether life and life can be happy. Therefore, with the continuous expansion of the scene, the scale of the consumer finance will further expand, and the bank will give more funds from the fund. The bank's customers are allowed to leave, giving customers a better service.
Test. “Simply, the bank gives money,
Customers can take this money to buy a car, travel, and install
Repair, not fixed in a certain consumption scene. â€
Manager Chen believes that in the future, consumer finance will form a win-win circle. Merchants, banks, and consumers will each take their needs. On the basis of real consumer behavior, merchants will provide better products and banks will provide more favorable funds. The customer gets a discounted price.
Internet giant platform
Consumer finance should "make money while spending"
Consumer finance has been piloting in Guangdong in 2007 and is currently welcoming opportunities for full development.
In its report, PricewaterhouseCoopers said that China’s consumer finance, especially in the economic transformation, the government’s promotion of consumption development, the promotion of consumption and its supporting policies, the rapid increase in disposable income of residents, and the trend of rural consumption to catch up with the city, Second and third tier cities and urban areas will enter the “golden development periodâ€.
Among them, the Internet has played an accelerating role. In 2013, Internet consumer finance started. In 2015, with the expansion of policy pilots, the central bank opened up credit reporting licenses, etc., the industry entered a stage of rapid development, and Internet giants such as Jingdong and Ants entered the consumer finance market.
It is precisely because of this that in 2015, consumer finance rose rapidly, and the profitability, customer base, and investment scale showed a geometric growth trend. In addition, the downward pressure on the economy, accompanied by consumer finance policies, has been fully rolled out, and consumption has driven the economy to become the new normal. According to central bank data, consumer loans are increasing at a rate of more than 20% per year. According to the data of the China Banking Regulatory Commission, as of the end of 2015, the total market of the consumer finance industry was nearly 100 billion yuan, and the number of service customers exceeded one million.
The relevant person in charge of Baidu Finance told reporters that consumer finance is currently divided into traditional consumer finance and Internet consumer finance. Traditional consumer finance refers to the service of consumer companies providing consumer loans to consumers. It is represented by credit cards introduced by traditional banks and credit products launched by traditional financial institutions. The advent of the Internet era has spawned the birth of Internet consumer finance, credit services and The major consumer scenes are closely combined, represented by Baidu Finance's “Baidu Money Flowerâ€, Ant King's Flower Garden, Tencent's Microwave Loan and other credit products.
In the eyes of Internet giants, consumer finance has undergone new changes. In the era of Internet finance, the above-mentioned Baidu financial related person has a new annotation on the meaning of consumer finance, and its connotation is further enriched, that is, it is not just “borrowing moneyâ€, but more It should be “making money while consumingâ€, and relying on the efficiency, convenience and equality of the Internet to achieve a win-win ecosystem for investors, financiers, producers and consumers.
“Specifically, consumer finance should have the dual attributes of 'consumption + finance', users can not only enjoy high-quality personalized credit services but also potential financial (making money) opportunities. Currently, Baidu wallet platforms have been launched several times. Steady, secure, and high-yield wealth management products, Baidu Financial's Baidu wallet platform has covered a variety of financial services from payment to credit and wealth management," said the person in charge.
Faster, lower interest, more Pratt
Is the general direction
Ant Financial said in its "2016 China Consumer Finance Trends Report" that in the future China's consumer finance will move toward faster, lower interest, and more favorable.
At present, the main players in the consumer finance market are traditional commercial banks, consumer finance companies, various Internet finance companies, and leading companies in various vertical industries.
According to industry insiders, one thing to note is that more and more leading companies in the vertical industry have begun to take advantage of their own scenarios to enter the consumer finance sector, but to a certain extent have caused data fragmentation and financial resources. Inefficient construction and repeated control, and the ability to control risks cannot be verified at present.
Ant Financial said that because of this, sharing is critical. In the future, through the output of data, technology, products, and risk control capabilities, many consumer scene companies that are interested in providing financial services will have financial services capabilities through sharing and cooperation.
For consumers, they will get more personalized and customized products. Ant Financial said that as the consumption scene and consumer groups are more and more detailed, consumer finance will focus more on the research of consumer personality needs, and many participants will develop customized finance closely related to consumer behavior. products and services.
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