As a member of Tencent Department, you should know that Yixin Group is not a female classmate without stories, but it is also the largest Internet car retail trading platform in China.
The story should start from that year, when she was not called CreditEase Group. Let's briefly introduce Easy Car, which was established in 2000. Easy Car is one of the earliest companies in China to make Internet car content. Its operating platforms include Easy Car Website, Easy Car APP and Auto Quote Daquan APP.
Yixin Group was formerly the Easy Car Finance Division, which was established in February 20 13. Shanghai Yixin Finance Leasing Co., Ltd. (referred to as "Yixin Leasing") was incorporated in Shanghai in August 20 14. At present, the registered capital is15 million USD, 20 16548. Shanghai is the operation headquarters of Yixin. 20 17 10/month, 1 1, CreditEase Group successfully listed on the Hong Kong stock market. At present, the total share capital is 6375438+0 billion.
The business relationship between Easy Car and Yixin Group basically does not overlap, but advertisers may advertise on two platforms at the same time:
A. Advertising and membership: Some customers may choose Easy Car and Yixin Group at the same time when placing advertisements, but their positioning and target audience are different. The advertiser of Easy Car is the automobile manufacturer who publishes the advertisement of new car, while the customers of Yixin Group include automobile manufacturers, dealers, financing partners and insurance companies of new and used cars.
The members of Easy Car are mainly dealers selling new cars, and the members of Yixin Group are mainly dealers selling used cars.
B. Trading services: Easy Car indirectly operates trading services (transaction facilitation and value-added services, self-financing business) through the equity relationship with Yixin Group.
C. Digital marketing: CreditEase Group has no digital marketing business.
We evaluate through the timeline. In recent years, there is a story about her: 20 13, 12, the auto finance department was established. 20 14, only advertising and member service business; Self-financing business started in the second quarter of 20 15; 20 16 started the loan facilitation business in the second quarter; 2065438+February 2007, the leased products were launched-driven away; 2065438+June 2007, the trading platform-Taobao brand was launched.
The emerging Internet platform in this era has no traffic, which is almost related to life and death. There is an extremely vivid sentence: the world belongs to entrepreneurs, but ultimately to BAT. Yixin Group cooperated with traffic giants such as Tencent and JD.COM, and formally took a fancy to this point.
With BAT online, what about offline cakes? Financial leasing business is the main source of income for CreditEase. Compared with the products of banks and auto financing companies, CreditEase's auto financing leasing products are richer and more efficient.
By the end of 20 17, the average financing amount and term of each consumption financing lease were 70,000 yuan and 330,000 yuan respectively, and the average yield of CreditEase's net financing accounts receivable was 65,438+03%. The main products are one card loan, two cartoons, New East Finance and other financing schemes. Figure 4 shows the entire consumer-centered automobile trading ecosystem. Many of these dealerships have become Yixin's stores in the form of franchise stores.
Maintaining SP well can help Yixin to carry out business and sell products better, especially large-scale SP. On July 4th, 20 19, the leaders of Yixin Group went to Ma Xiao Automobile for work guidance and held talks on deepening cooperation in the second half of the year.
The purpose of CreditEase Group's trip is "deepening cooperation and continuous innovation", and the two sides will carry out further in-depth cooperation in treasury credit, car loan business, risk management and asset collection.
What's the story between Yixin and a 10,000-level SP like a small carriage?
In 20 15, Pony Car was officially authorized by Yixin as an auto finance dealer in Guangdong Province, and won the first place in that year. In 20 15, it was awarded the title of "National Sales Champion" by Shanghai CreditEase Financial Leasing Co., Ltd. Since 20 15, Xiaoma Automobile has been ranked first in the national business volume of authorized auto finance dealers of CreditEase.
It is reported that on the same day, the two sides conducted in-depth communication and reached cooperation with CreditEase on the acceptance and service optimization of risk management and asset collection business in Shenzhen, Guangzhou and Dongguan. In the second half of the year, Xiaoma Automobile will provide landing services around the strategic layout of Yixin Group, and use its own advantages to empower car dealers and support their financial services.
The store is the end of the closed-loop transaction of Yixin, shouldering the heavy responsibility of delivery and after-sales. Early car e-commerce can only make a profit by selling clues. It is precisely because of the lack of offline delivery system that profits such as sales, car loans, insurance and after-sales are still in the hands of 4S stores.
However, if the offline business experience is not good, not only the transaction may not be completed, but the owner may also give up using the online platform. Therefore, the platform's ability to control offline channels is also very important.