The popularity of Internet finance can't help but make people consider a question: Are all the major enterprises and investors making money in such a hot Internet finance enterprise? What are the specific ways to make money? Next time, let's take a look at the profit model of Internet finance with Bian Xiao.
One: Recommendation fee
Internet finance companies can directly recommend loan customers to financial companies and charge them referral fees. This model needs a huge database to sort out and analyze the information of different loan customers. The advantage of this approach is that financial institutions can save the high cost of developing customers and focus on their core business.
Two: handling fee
The source of income is the income from the integration of transactions and fees. At present, in the process of users applying for loans, Internet finance companies help users complete the whole loan process. After the loan is approved, the corresponding proportion of the loan amount will be charged as commission. If it becomes a P2P online lending platform, lenders need to pay corresponding fees on different platforms, which is the main source of income for pure platforms. For payment companies, handling fees are naturally the main means of profit.
Three: advertising fees
I am not familiar with traditional Internet companies, that is, the advertising fees for financial institutions to invest in Internet financial websites. Advertising on financial websites is an accurate investment for investors who take the initiative to visit websites, and can achieve better results. At the same time, the advertising space on the internet financial website can also charge the advertisers to obtain income.
Four: Pricing fee
The pricing fee here refers to risk pricing. Do customer credit evaluation for financial companies, or assist financial companies in charging services for risk pricing. Analyze and mine the data of user behavior, and then hand it over to financial companies in need. Insiders pointed out that risk pricing is not a new concept. The core of banks is to price risks, but whether they can do it well or not, many small and medium-sized enterprises that can't get loans are actually good. Internet finance companies solve the problem of information asymmetry through the vertical search of the Internet and finance, and the future pricing and charging will become one of the important profit models of Internet finance.
Internet finance has several profit models. It is worth noting that every Internet finance company will have a different profit model. With the development of internet finance, various profit models are changing directly, and the focus of each enterprise will be different. There are still many profit models of internet finance that have not been excavated, and the prospects are worth looking forward to. Please go to the company's live video studio to learn more about Internet finance.
Why do many apps have the function of borrowing money now?
1, business society and business behavior are both interest-driven. After several years of crazy traffic competition, major APP companies have accumulated a considerable number of users. In addition to its own business, the use of financial realization has also become the main means of profit for major platforms in the past two years.
The general profit sharing standard for loan diversion is 2%-3% of the amount of credit or the first loan. Of course, some Internet companies have started financial services themselves.
Not that all financial services are, but because users do have this demand. In fact, many users can't borrow money from banks, and the birth of financial institutions such as consumer finance has enabled these users to enjoy the convenience of inclusive finance.
2. The cost of financial diversion business is relatively small, and the income is relatively direct. The main form of cooperation between these internet platforms and financial institutions is to guide the loan platform as a traffic party, and it does not involve the loan business itself. Some of the costs of Internet companies are actually quite heavy. As a loan supervisor, it is also a way to ease the pressure on funds.
To sum up, as a loan supermarket or a diversion channel docking lending institution, the Internet platform is a relatively fast means of profit, so now more and more Internet platforms are connected to the loan entrance, and there are also many confusing phenomena that induce applications.
However, with the stricter supervision, I believe that there will be fewer and fewer chaos in this area and more and more standardized.
In addition, consumers are advised to keep their eyes open, distinguish between compliant and non-compliant lending platforms, choose carefully, consume rationally, live within our means, and use financial instruments rationally.
How do so many loan apps on the Internet make money?
Today, with the development of Internet finance, you can find many loan apps in your mobile app store, but how do you choose? Remind everyone to pay attention to these points:
1. The product should be formal, no matter the brand or product qualification, it is more reliable to choose a regular big brand, and it is authentic, so beware of black loans;
2. Interest and amount are very important. Although the amount of the loan platform is generally linked to personal credit, there are many activities on the formal platform, and the higher the amount, the lower the interest. For example, the money spent by Xiaoman Finance is a formal loan app and belongs to the head. The application for money is simple, the loan is fast, and the loan is flexible. Users can apply on their own initiative. The interest rate of money is transparent and big brands are more reliable. The daily interest rate is as low as 0.02%. The daily interest rate of 1 10,000 is the lowest in 2 yuan, and the maximum loan amount is 200,000, which can meet the needs of most lenders.
This answer is provided by Kangbo Finance, focusing on the interpretation of financial hot events, the popularization of financial knowledge, the pursuit of professionalism and interest, so that the financial content that the people can understand can convey financial value in vivid and diverse ways. I hope this answer is helpful to you.
Let me talk about how the loan app is profitable.