Small loan companies want to transform into internet finance. Is there any good way?

It has been very difficult to talk about small loan companies in recent years, because after the Internet, the licenses for small loans on the Internet are very popular. The reason must be that some people hoard licenses and wait for appreciation, just like handing in licenses. Another more important reason is that the business scope is no longer limited, and it can be done all over the country.

Since the pilot of four domestic consumer finance companies, more than 20 consumer finance companies have been established in the past two years. It has broken the pattern of one province and one family. It is also common for small and medium-sized banks to deploy consumer finance companies one after another. The annual lending volume of BOC, which is not high-profile, has already broken the 10 billion mark, and the 3C scene of Gitzo's consumer finance layout, which has always been low-key, is the first in Yi Long.

There are more than 80 approved Internet small loans and more than 20 licensed consumer finance companies. Mainly subject to the problem of shareholder structure. Generally speaking, consumer finance companies need a bank as an initiating shareholder. Internet small loan companies do not need it. The advantage in quantity has not brought dignity in quantity, and the amount of small loans online is really far from it. Although the capital cost of lending to customers is generally around 1.5. In fact, this cost is ok, and it must be the institution of the People's Bank of China. It is not an exaggeration to say that it is profitable.

According to common sense, the advantages of internet small loans are greater than those of consumer finance companies. Internet small loan companies are not subject to too many constraints. Consumer finance companies are not. It's really embarrassing to talk about scene consumption, isn't it? Large state-owned banks have not given up their renovation loans, and the 3C quota is too small. Tourism funds are basically chicken ribs, and the marriage and love market is more difficult to develop. Medical beauty and education should have been washed and slept long ago. Consumer finance companies that rely solely on credit cards can't breathe, but auto finance can't do it. After all, scene consumption is very immature. At present, consumer finance companies mainly do cash business. Internet small loans are much cooler, wider than consumer finance, more casual to use, and more flexible in repayment methods.

Internet small loan companies that look beautiful are still very weak compared with consumer finance companies. Consumer finance companies must be mainly supported by banks as shareholders. Tens of billions of loans are beyond the reach of small internet loan companies. They can borrow money from other banks and issue ABS. Shareholders' capital increase is the absolute advantage of consumer finance companies. Internet small loans are not good, and various rules and regulations of financing channels are crying.

Through simple comparison, do we find that the cake is not as big as the pot? Both the real economy and internet plus should always bear in mind. It is better to be small and beautiful than to be perfect. No matter how good a loan diversion platform like Qianxin Financial Supermarket is, it is not as good as interest-free lending by financial institutions.