From barbaric growth to rapid expansion, to today's Hundred Flowers, the P2P industry has entered a serious homogenization competition, how to "run" out to become a problem in front of various enterprises. The reporter recently learned that a P2P platform in Shenzhen is exploring the Internet of trust beneficiary rights and trying to innovate the Internet financial model.

Liu Daping, director of the Financial Department of Shenzhen Financial Office, said that after more than 30 years of development, Shenzhen has become an important financial center and high-tech industrial base in the country. Up to now, the scale of third-party payment transactions in Shenzhen has exceeded 2.7 trillion, accounting for about half of the country, and there are more than 400 P2P platforms. The accumulated loan amount is close to 30 billion. Now it is growing at a rate of 10% every month. Shenzhen It has gradually become one of the most developed and active cities in the country.

There are indications that the P2P industry has entered a bottleneck period. No matter the number of newly opened platforms, or the income scale and profitability of online lending companies, there are signs of “turning points”. According to industry analysts, the deeper reason for the current P2P problem is that the current homogenization competition in the P2P industry is serious, and many companies blindly copy and do not form core competitiveness.

Gao Kangyi founder and CEO Chen Kang said that the P2P industry does not lack Internet thinking. What is lacking is the reshaping of the business model under the financial reform and innovation, that is, how to integrate Internet thinking and financial innovation tools into its own model reshaping and innovation. Obviously these are more important.

In fact, the big names of Internet finance have begun to be busy with transformation. Hongling Venture Capital, 91 Finance, Rong 360 and so on have tried the Internet financial experience store to experience Internet financial services for offline investors. It can be foreseen that with the transformation of the Internet financial structure, innovation will become an important main line of Internet finance in the future.

It is reported that Shenzhen Gaoshunyi Information Technology Co., Ltd. recently launched a “trust treasure” jointly with the cooperation institutions, and combined with the inclusiveness of the Internet, established a “trust + internet” model to transform large-value trust investment into low-cost, low-threshold, Highly flexible Internet financial investment, testing the Internet practice of the trust industry.

It is understood that "trust treasure" is set up in three-month, half-year, one-year and other cycles, and the expected rate of return is between 8% and 12%. Gao Kangyi founder and CEO Chen Kang said that the minimum investment threshold for “trust treasure” is 10 yuan, hoping to help solve the dilemma of the inability of the working class to idle funds.

The data shows that in the first half of the year, the total trust fund managed by the trust industry was 12.48 trillion yuan. Although its scale has reached a new high, it has dropped by 12.16 percentage points compared with the increase of 26.56% in the same period of last year, showing a slowdown.

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