There are 6,054 companies in China with a loan balance of 907.6 billion yuan. What does the data show? First of all, this shows that our people's demand for funds is growing. Secondly, some people cannot get loan options from banks to meet their own development needs. Secondly, the company has become more active in the economic market. Coupled with the improvement of the company's own operational capabilities, there are more and more user groups. In addition, the economic market has been fully revitalized and the scale is getting bigger and bigger. It also shows that our country has certain policy support for the existence of companies in the market, and then the number of market entities is increasing. There are 6,054 companies in China with a loan balance of 907.6 billion yuan. What does the data show?
First, it shows that our domestic people's demand for funds is increasing.
First of all, it shows that our people's demand for funds is growing. If our people need more funds, it will play a greater role in the economic market and can be used for special investment.
Second, some people cannot obtain loan options from banks to meet their own development needs.
Secondly, some people cannot get loans from banks to meet their own development needs. For some people, they can't get loans from banks, so they choose to better meet their own needs.
Third, the company has improved the activity of the economic market.
In addition, the company has also increased the activity of the economic market. For companies, they are active in the economic market mainly by releasing funds through various channels.
Fourth, the company's own operational capacity is improving, so there are more and more user groups.
Coupled with the improvement of the company's own operational capabilities, there are more and more user groups. For the company, if its operational capacity can be improved, the number of users will accumulate.
Fifth, the economic market is fully revitalized and the scale is getting bigger and bigger.
In addition, the economic market has been fully revitalized and the scale is getting bigger and bigger. For the economic market, if it is fully revitalized, it can better expand its scale and help build a stronger economic market.
Sixth, it shows that the state has certain policy support for the existence of the company in the market.
More importantly, it shows that our country has certain policy support for the existence of the company in the market, which can better enable market participants to obtain sufficient funds.
Seventh, the number of market players is increasing.
Finally, the number of market participants is increasing. The reason why the number of market players is increasing is mainly because of the corresponding economic market and many people's insistence on entrepreneurial dreams.
What the company should do:
We should standardize our own operating rules.
Why are there so many loan intermediaries in the market when customers can borrow directly from banks?
1. There are many kinds of bank loan products, including credit loans, mortgage loans, corporate tax loans, provident fund loans and running loans. , mainly for quality customers. It is convenient for them to raise funds by themselves, and banks are willing to handle it. After all, it's simple and fast. But at present, there are still many people who are short of money but have poor qualifications. These people will not be loaned to them by banks, or in other words, such customers don't know what kind of products their qualifications can handle, so the profession of loan intermediary appears. As the saying goes, where there is need, there is demand. If someone needs money, someone will provide it. This is the meaning of loan intermediary.
2. For example, if the customer has a mortgaged house, and the mortgage interest rate is low now, and the customer wants to refinance, then our loan intermediary can provide a whole set of services, such as evaluating the property value, matching the bank products with the lowest interest rate, coordinating the companies that make the advance payment, and handling the customer's business license. These are all things we need to do. If the customer goes to the bank by himself, the bank staff will let the customer handle it by himself, but how many customers can handle it by themselves?
3. The loan intermediary earns the operating expenses of some agents, which not only saves the time for customers to prepare materials, but also matches the best products on the market, killing two birds with one stone. Spending money on things is the unchangeable principle of the whole society.
Why are more and more institutions providing loans now?
Many organizations have made money with loans, and he has some spare money in his hand. If he invests in normal physical manufacturing, the possible return is not 10%. If he makes an online loan, the return rate of this money will be more than 15%.
At present, the benchmark interest rate for bank loans over five years is about 4.9. If it is a mortgage or something, it can reach about six points, which is relatively normal. But because ordinary institutions on the Internet are not banks, will their interest rates be so low because of the loan business they run? Of course not. He told you the daily interest rate, such as 1 0,000 yuan, which is only 50 cents a day. Fancy, but he didn't add any fees. The cost of his loan goes far beyond interest. On these networks, his average annual interest rate is basically 10%, even exceeding 15%.
What is the return rate of my normal investment in the physical industry? Because the physical manufacturing industry has not developed very well in recent years, the average rate of return is about 10 point. For example, I have100000 in my hand. If I invest this money in the physical manufacturing industry, I can normally get100000 according to the average profit rate of the whole industry. However, if I invest this money in online loans, even if some bonds can't be recovered, my rate of return will be at least above 10%, which does not involve so many procedural risks. Many loan companies are established by commercial companies themselves and approved by relevant departments, but the interest rates are obviously wrong.
So how easy it is to get a loan. Why did he give up so many landlords in ancient times and then bought land and stopped doing other business? Because there is a risk of losing money in doing business, it is impossible to lose money in lending. I gave you this loan. As for the loan, what did you do? Did you make money or lose money? What does it have to do with me? You have to give me interest at maturity. The risk is yours, not mine. You can make a steady profit without losing money.
Why are there more and more loan companies now?
Now there are more and more loan companies. I believe many people have received phone calls from salesmen of loan companies, and I have also received similar phone calls from time to time. A casual search on the Internet will lead to many loan pages related to loan companies. And around living outside, we can also find many advertisements of loan companies. So why are there more and more loan companies now?
First of all, let's understand the meaning of a loan company. The term "loan company" is limited in China, and it is different from domestic commercial banks, finance companies, auto finance companies and trust companies in terms of definition and business scope.
There are many kinds of loan companies according to their business scope, but the same is loan business. There are so many loan companies now, the main reason is the great demand of people. People often need loans in their lives. When the business turnover is not working, when I want to buy a house or a car, when I want to borrow money to start a business, when I am seriously ill and have no money to pay medical bills, when I encounter some emergencies, and so on.
In addition to the great demand of people, there are also great profits of loan companies. The loan interest rate of the loan company is very high. So there are more and more loan companies. Generally speaking, people's huge demand for the loan industry and high profits have led to more and more loan companies.
Why are there so many loan companies online in recent 202 1 year?
Hello, I suggest you know that Xiaoman has money to spend. After all, it is convenient and easy to borrow money on Xiaoman platform. Du Xiaoman's credit service products have money to spend, providing users with safe, convenient, unsecured and unsecured credit services. If you borrow money, you can go to Xiaoman APP (click on the official measurement). The daily interest rate of money consumption loans is as low as 0.02%, and the annualized interest rate is as low as 7.2%. It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest rate and strong security.
I would like to share with you the application conditions for consuming products with money: it is mainly divided into two parts: age requirements and information requirements.
1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide installment loans to students at school. If you are a student at school, please give up the application.
Information requirements: You need to provide your second-generation ID card and your debit card during the application process.
Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.
This answer is provided by Youhuahua. Due to objective reasons such as the timeliness of the content, if the answer content is inconsistent with the actual interest rate calculation method of Youhuahua loan products, the display on Xiaoman APP- Youhuahua Loan page shall prevail. I hope this answer is helpful to you.
Why are there more and more online loan companies, not afraid of losses?
As a rational person, since the boss is willing to operate online loans, he should consider the risks involved.
As the saying goes, "Without Jin Gangzuan, there would be no porcelain".
At present, there are still thousands of P2P online lending companies in the market, and a few of them are well managed. They must have some special means to control risks and improve profits.
I guess the problem you are talking about may be that online lending business is subordinated debt business. If it is not good, the borrower will be overdue, resulting in bad debts, which will lead to difficulties in the operation of online lending companies and even losses.
I think your worry is reasonable, but we still consider the operation of online loan companies comprehensively. Its main costs are customer acquisition cost, capital cost and risk cost. Only these three costs, at least in the industry average, can continue to survive, otherwise it will be difficult to operate for a long time and will inevitably lose money.
1. Customer acquisition cost
The online lending platform needs to find a large number of borrowers from the market before it can continue to operate. What kind of customers to find and how much it costs to acquire a customer are all things that the platform needs to seriously study and explore.
For example, if you find a customer with a single loan of only 2,000 yuan, the way you find a customer with a single loan of 200,000 yuan is definitely very different from the cost of investment.
The cost of obtaining customers directly determines the development scale of the market and the subsequent market competitiveness.
2. Cost of capital
Because the operating profit of online lending platform is mainly the spread between the capital cost that borrowers can bear and the capital return that investors get, the spread of capital cost directly determines the operating profit of the platform.
For example, if the annualized comprehensive interest rate you give the borrower is 20% and the return rate to the investor is 3%, then the gross profit of the online lending platform is 17%. Is it very high?
But you have to think about a question: If you give an investor a low interest rate, will he come to invest in your platform? Therefore, in fact, the return interest rate of investors has a market equilibrium price. The better platform interest rate is about 6%-8%, and the slightly weaker platform interest rate is about 10%- 12%.
3. Risk cost
Risk cost, audit cost of major platforms, collection cost, bad debt interest rate. This is the part that everyone can see.
At present, in the future of risk control, we should gradually rely on financial technology to improve the speed and quality of automatic approval and reduce the cost of risk control.
To sum up, the operation of online lending companies needs to strive to control customer acquisition cost, capital cost and risk cost, and improve operating profit.
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