WE column | Consumer finance scenes that have been "fake" in those years

Wen | Li Shaofeng

For ten years of consumer finance, from scratch, various staged products have emerged endlessly, and the use of consumer scenarios it serves is also a variety of. From the early stages of 3C staging in the early days, it has appeared in the staging of medical beauty, rent staging, education staging. Home improvement stages, luxury installments, fitness stages, wedding stages, refueling stages, etc.

Each staging institution also continuously actively expands new consumer scenarios, hoping to dig a high -quality customer base, provide financial service products deeply rooted in scenes to meet customer financing needs, while achieving its own market value. The development of consumer finance has also promoted the development of the domestic consumer market.

The rise and fall of the industry in the consumer scenario, the changes in national regulatory policies, and the changes in consumer behavior habits have profoundly affected the development and ups and downs of financial installment business. Those consumer scenes that were sought after by installment institutions have gradually been "falsified" with the real performance of the market, and they do not have the soil to provide consumer financial services.

The following will list some falsifying consumer financial scenarios.

1. Rental staging

At the end of 20 years, the thunderstorm of the eggshell apartment was one of the iconic incidents of renting in installments. Internet banking stars on behalf of Weizhong Bank were also trapped in it. According to the news, more than 100,000 affected borrowers, nearly 2 billion yuan in loan balance, to the society, to the society, to the society, to the society, and to the society, it was given to the society. Caused a great adverse effect.

With the fermentation of the mine, Weizhong Bank may not take a series of measures such as slow reporting credit reporting, suspension of accounts, etc. to appease customers. Even so, the probability that the balance of the receipt of the follow -up must be raised, and the loading agency shall borne.

In the 17th year, the author as the capital party made a more detailed diligence and demonstration of the rental market, long -term rental apartments, and rental stages. The B2C market, the long -term rental apartment "Company -level Two Lands", is not targeted at the C2C market.

The domestic rental market is in the form of a one -piece payment, and the vast majority of the rental parties also accept this rule. There is no difficulty in paying for most tenants, and there is no strong financing demand. The only group with installment demand, that is, fresh graduates of the past years and those who have entered the workplace, lack sufficient savings, have short -term financing demand, but the market size is small, and it is mainly distributed in the first -tier and second -line hot cities with higher rent.

In the actual promotion of rental stages, the real needs of funds are long -term rental apartments. The business model of long -term rental apartments is very heavy. A large amount of capital needs to be "hoarding". rent. Therefore, the mainstream rental stages are often discounted in discounted discounts, inducing tenants with non -financing needs to install stages. During the processing process, the loan -related agreement is mixed in the rental agreement. Many times the tenants do not know that they have handled the loan business.

From the perspective of the entire transaction structure, the installment of the rent is more like a factoring business. If the long -term rental apartment is tuned in the future rent receivable, the tenant's future rental payable will be collected in advance through financial institutions and shall bear financing costs.

This causes the substantial risk concentration of rent in the rental housing, which seriously violates the risk management logic of consumer finance. Once a long -term rental apartment fund chain is broken, a large area of ​​overdue and disputes will occur.

Because of the congenital defects of the product, it is often for the lending institution to eat its own fruit and bear all the losses.

Second, refuel staging

The refueling installment rely on the prepaid installment of the refueling recharge card. This has to mention the "refueling recharge card". Except for the refueling card issued by "3 barrels of oil", there are no mines in such products in history. Shenzhen car "Youca" and so on.

The domestic gasoline market pricing is not a market -oriented mechanism. Come on, there is almost no need to discount pre -stored promotion. These private "refueling cards" business logic are gray, and they are more like a "fund disk". Basically, they want to use the model of prepaid refueling to form precipitate funds and make profit by misappropriating prepaid funds. It is usually given 10 % off and 9.5 % discounts. If the deposit capital has been reserved for a long time, it is hoped that it is hoped to obtain sufficient benefits to cover the discount.

The more crazy refueling card will give a discount below 10 %. The income of misappropriation of precipitated funds is difficult to cover the so -called "suction storage" cost. It will often be reduced to the side scam. It is necessary to continuously attract the prepaid funds to ensure that it will not collapse.

With the development of the Internet finance, the "bad refueling card" model has been upgraded, and the financial institution has been pulled off the water.

In recent years, it is the refueling staging of Chongqing Fumin Bank and Shenzhen Youkuka Logistics APP. Lottery APP thunderstorms, Youyuki running, thousands of users carrying thousands of yuan to 10,000 yuan installment loan debt. In the end, Chongqing Fumin Bank had to bear the corresponding obligations.

Postscript: In -depth understanding of consumer behavior, designing reasonable financial products

Rental stages and refueling stages are not only pseudo -scenes, but also have a certain number of launching characteristics. Most financial institutions entering this field have paid a heavy price and also caused a large number of social disputes.

There are also some pseudo -scenes, such as luxury installments, wedding installments, prepaid card installments, etc., and are also "pseudo scenarios" that neither meet consumer behavior nor in line with consumer financial logic. This article will not be discussed in this article.

At the same time, there are also some scenes that are not considered false scenes, but due to the changes in national policy management, industrial adjustment, and consumption habits, the market size has narrowed, and financial products and consumption behaviors are difficult to combine, and they are increasingly moved closer to the pseudo scenario.Some of the segments in the education industry (such as K12) are in line with this feature. Whether it will develop into a pseudo -scenario in the future, it will also need market inspection.The so -called consumer scenario is essentially the medium of financial products to reach customers.Whether the consumer finance scenario is "true" depends on whether it can effectively reach customers and whether the value of financial product value can promote the achievement of consumer transactions.Conversely, there is no real financial needs.

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