What is the profit model of Oriental Financing Network?
Mainly from kickbacks and handling fees, as follows:
1, help banks, credit companies and other institutions get customers, and generally give rebates.
2. Helping enterprises to raise funds for listing will also charge service fees accordingly.
3. Then there are financing development projects.
4. There are also corresponding financial management projects.
The specific scope of the company is as follows:
1, the largest third-party financing service platform in China, has been committed to serving domestic small and medium-sized enterprises and providing financing solutions for enterprises, and has become one of the financing channels for many small and medium-sized enterprise owners.
2. Adopt the mode of financing supermarket. According to different financing needs, more than ten or twenty kinds of financing schemes are provided to directly connect with banks and reduce intermediate links.
3. All kinds of legal financing projects can bring you benefits.
What profit does Oriental Financing Network rely on?
I went to get a loan, and the service fee saved me a lot of heart. I was killed by the bank when I was looking for it myself. It was too inefficient. Their service is still in place, like a!
What is the profit model of Oriental Financing Supermarket?
Collect commissions from upstream institutions and give them to customers free of charge.
What is the financing supermarket of Dongfang Financing Network?
You can go to their company office to choose the loan products you need, and bank staff will handle them for you on the spot, which is very convenient. Guangzhou has just opened one recently.
What is the profit model of Bee Network?
Bee net is mainly an intermediary, and it should be profitable by management fees.
Bee financial network is like an intermediary, helping borrowers or enterprises to contact investors, so it should be a profit based on intermediary fees.
Is the company of Dongfang Financing Network strong?
Yes, the interest rate is reasonable, and it is large in scale and has branches.
Is the Oriental Financing Network large? Asking for information
Yes, I just opened a branch in Guangzhou. I hear there will be more than a dozen.
What is the telephone number of Dongfang Finance Network?
Baidu search official website will do.
Is the loan process of Dongfang Financing Network complicated?
It's not complicated I'll be quick, more than half an hour.
How many operating modes does P2P financial platform have?
P2P financial platform has three operating modes.
The offline P2P model refers to the online lending process, such as auditing and loan issuance, which are all carried out offline. There is no difference between offline mode audit and bank loan audit. Generally, collateral is needed, and the raised funds are independently controlled by the online mode platform and lent to borrowers. At present, most P2P financial platforms are actually offline.
Online P2P mode is a pure online peer-to-peer lending with pure credit. Loan application, bidding, risk review and loan issuance are all conducted online, and enterprises only provide a platform for both parties to match.
Peer-to-peer financial management is to manage money through the Internet, that is, person-to-person financial management, also known as peer-to-peer lending, which refers to connecting borrowers and borrowers through companies to meet their respective lending needs. The borrower may have a mortgage loan, and the intermediary is generally a new financial management model that collects fees from both parties or one party or earns a certain interest margin for profit.
P2P connects people directly and allows them to interact directly through the Internet. It makes the communication on the network more simple, direct and interactive, truly eliminates middlemen and provides greater convenience for enterprises and individuals.
How do loan companies make profits?
Lending companies or banks make money through spreads, receive funds at lower interest rates, and then lend at higher interest rates, thus making profits.
1. The company borrowed money from Sunshine. Their customers are generally small and micro enterprises and some individuals who need short-term loans. This kind of customers have general credit status, less net assets, weak cash flow and profitability, and lack of adequate protection. Generally speaking, credit risk is high. Therefore, the interest rate of small loan companies is relatively high, often reaching the upper limit (four times the benchmark interest rate). In addition, there are some investigation fees, handling fees and other expenses, and the comprehensive cost may reach 30% or even higher.
2. In 2008, the China Banking Regulatory Commission issued guidance on company pilot, and some developed areas of private economy, such as Guangdong and Fujian, also formulated their own company management measures. In these documents, the maximum loan amount of a single borrower is limited to 5% of the company's net capital, and some have also limited the upper limit (if Guangdong stipulates that it should not exceed 5 million). In terms of capital efficiency, some enterprises can even achieve an increase of more than 100%. However, there are many illegal operations (illegal fund-raising, etc.). ) in the small loan industry. In the tight macro environment, the default rate will also rise, and the overall risk is greater.
A formal loan company supervised by the CBRC has a formal loan company license and can only issue loans in a certain proportion of its registered capital.
Informal, mostly in the name of investment companies or financial companies. The source of funds and profit model depend on high interest rates. Strictly speaking, they raise funds illegally.
Microfinance is a comprehensive consumer loan with individuals or enterprises as the core. The loan amount is generally between 1000 yuan and 200,000 yuan. In the process of processing, generally need to ensure. Microfinance is an extension of microfinance in technology and practical application. Microfinance in China: It mainly serves agriculture, rural areas and small and medium-sized enterprises. The establishment of small loan companies has reasonably concentrated some private funds, standardized the private lending market, and effectively solved the financing difficulties of "agriculture, rural areas and farmers" and small and medium-sized enterprises.
What is p2p mode?
P2P mode refers to P2P finance, also called P2P credit, which is a kind of Internet finance (ITFIN). It means: point-to-point.
Peer-to-peer finance refers to small loan transactions between different network nodes (usually individuals). It needs the help of e-commerce professional network platform to help borrowers and borrowers establish loan relationships and complete relevant transaction procedures. Borrowers can publish loan information by themselves, including the amount, interest, repayment method and time, and decide the loan amount by themselves to realize self-help loans.
What is the profit model of Internet finance?
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 the website 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.