1.P2P software system
P2P software system is the core of business development, and all business links, such as platform promotion carrier, business processing, target product display, user registration and fund management, are realized and completed by online platform tools. General system construction is divided into two situations. One is the research and development of our own company, which involves the formation of technical team, product research and development, business design and other aspects. For start-up platforms, the cost is relatively high, the cycle is relatively long, and relatively few are used.
Because the company specializing in providing technical services has a product accumulation and perfect team, it can quickly carry out customized product development, and the price generally ranges from hundreds of thousands to hundreds of thousands, but it is certain that Huasheng Henghui can provide a complete set of PC+APP+ WeChat online system, which can save a lot of time and material resources for the start-up platform to quickly carry out business.
2. Payment and settlement system
Because P2P platform is an online financial lending platform, the registered users are scattered geographically and the amount is scattered, so online payment is an indispensable part of the platform. At present, the business is mainly carried out through the docking of the system platform with third-party payment companies or banks. At the same time, it can be noted that the current regulatory measures clearly stipulate that the platform needs to deposit funds with banks to carry out online wealth management business. It is believed that before the end of the normal transition period of 20 17, most ticket platforms need to complete the business of docking bank funds to operate in compliance. In the docking depository business, the current fees are generally decreasing, and the threshold is decreasing, from the previous 300,000-500,000/year to the present10-100,000. Some banks even offer free fund deposit and management services.
3. Third-party software and hardware services
Third-party software and hardware services refer to products connected by third parties, including servers (generally using cloud servers), domain names, short messages, real-name authentication and so on. The total cost of these docking services ranges from 5,000 to tens of thousands, which is relatively small.
Therefore, the cost of building a P2P platform for Internet finance is about100000 to 500000 from the aspects of P2P system, third-party payment and basic software and hardware services. Of course, the expenses here are simply around the level of system tool construction, as well as the company's team building, operation promotion, daily office and so on. It needs to be calculated according to the actual plans of different companies.
In a word, 20 16 is the year of P2P supervision and regulation, and the coming 20 17 will be the year of P2P hope. 20 16 After the storm of regulation and rectification, the regulatory rules were implemented; The whole industry has basically achieved turbulence and clarity through innovation and transformation, some platforms have achieved painful compliance transformation, and some platforms have successfully achieved benign exit; The platform with continuous operation and standardized construction will usher in the best development opportunities.