The morning of July 18, the Central Bank, and ten ministries jointly issued a Declaration on promoting healthy development of Internet financial guidance (hereinafter referred to as the guidelines). This framework document, first determine the boundaries of separate supervision and regulatory principles, led to an industry-wide welcome.
Arena borders is roughly delineated the Internet financial services sector is concerned, the next step is crowded or "a" is King of the hegemony era.
On March 17 this year, ping an announced the consolidation of its original direct loan business, Lu Jin's P2P microfinance and safety assurance Division, set up a new "peace benefits" financial business cluster.
Christmas Whitney, Chairman and CEO of financial media such as Zhao Rong奭 on July 22, Tencent said in an interview, three lines of business integration is not too difficult, even with the acquisition of Fullerton guarantee companies, merger of the whole work, business layout has to be completed between April and June. Another new player in the arena.
The Internet is cut-throat competition in the financial arena, Zhao Rong奭 said he welcomed the attitude of accepting it, "competitors will help customers understand our products. "He said, compared to the large number of small loan companies and P2P platforms, Pratt's biggest advantage is safely scale; compared with Internet Giants players, their advantage is risk management.
Earlier analyses considered, inclusive financial sector contribution on ping an's profits will catch up with property insurance directly, become life insurance, Bank the third-largest business sector. Zhao Rong奭 was confident that "this is inevitable. "He also said," our loan business will be bigger and bigger, why not be the first big profit contributor in the future? "
On competition: the biggest advantage of scale
Tencent finance: latest developments in the industry are just issued guidance on promoting the financial development of the Internet. From the perspective of professionals to evaluate, how safe and inclusive development would mean?
Zhao Rong奭: guidance on this newly issued financial development of the Internet, we very much welcome. For loan business, I think the introduction is very good, we see the market, certainly there are many scattered small players. Like in the loan business, if I only consider micro-credit companies and P2P companies, there are about 10,000 small loan company, 2000 P2P companies, large number. Total loan balance is 1 trillion is less than 100 million average company, so very small, very dispersed. Market developments so quickly, but we haven't see very clear regulations from the regulators, this will also affect our business, will also affect our competitive size. Introduction this guidance is now very basic, we also hope that in the future more and clearer laws and regulations, so we will have a clear business scale and scope, to meet the requirements of the Government.
Tencent finance: the financial markets generally optimistic about the Internet the big cake, lots of people are or intend to divide the cake. The resulting must be increasing competition. Christmas Whitney companies how to deal with the impact of the increased competition?
Zhao Rong奭: we very much welcome this competition. First, there is no way to avoid competition, no matter who, Yes, more and more companies into the market, this is industrial development must go through a process, there is no way to avoid it. Second, I think this is a good thing for customers, because there are more and more loan service providers, there are more and more competitive, and will help us improve the customer experience. However, it really makes me feel good factor is that more and more loan providers appear when markets more to perceive the existence of this industry. In 2005, we had just started to do this business in Shenzhen, then it's hard to explain what we sell products to market, who we are, it's hard, when customers do not understand what this is. Now, competitors can help customers understand the product. This is my real reason for optimism. And the impact on small firms more competitive, in the process, many companies have phased out, and only big players in the market, we must be one of the winners.
Tencent finance: where is your survival advantage in the end?
Zhao Rong奭: our greatest advantages in scale, this is why we in the Green Group to consolidate, and then set up a safe and inclusive. Because large scale when you have plenty of choice when large scale, it means you have enough experience in this risk management; when large scale, it means that your costs are relatively lower than other competitors. We have 20,000 sales, 4,000 shops selling, covering 131 cities and 650 outlets, there are move channels. How do we enhance their size? this will depend on a lot of business models. We have P2P model, the micro-credit model, security model and the storage model, there will be more models in the future. Only size large enough to let the company survive in this market, we have the cost advantage and effect.
On risk control: data + online stores
Tencent finance: peace benefits after this round of consolidation, he is now internal business layout and structure are what?
Zhao Rong奭: adjustment of the structure of our organization which is adjusted every year, because business development requires some adjustment. Integration zhihou of organization schema is, first most top layer of is has three article business line, no mortgage business line, personal no mortgage business line, personal has mortgage business line, small micro enterprise loan, so altogether is three big pillar, in such of latitude inside we and respectively has himself line Shang and line Xia of channel, line Xia channel is cover stores, or third party cooperation. Online is another channel remote channel APP, phone the sales team or our advertising. No mortgage is still the main line of business; if there is a mortgage on August 17 this year, will launch our first product, called e-loan last pillar is a small micro-enterprise loans, that we just started to do, it is part of the potential.
Tencent finance: in terms of risk control, safe and inclusive to a large extent, rely on the help of Internet technologies like data. Application of Internet technology, is there too much faith in the risk? Jack Ma elected global United Nations women represented
Zhao Rong奭: there is a big risk, but I believe there is a chance. This product is really the challenge, you have no way of seeing customers, and not to ask any questions, just purely based on the data, this challenge under the line is completely different. Offline approval process a year do not need to change. But online, the audit process requires many adjustments in August and July, each day requires research and continuously optimize, what kind of risk is higher, which tools can't help us identify fraudulent, so we have a dedicated team specializes in line 24 hours a day the upper hand control what we do. However, once we were ready, after the platform stable, development potential is very large.
Tencent financial: just now you said you line it with 3,000 wind-control clerk, please introduce your line downwind and control process is like?
Zhao Rong奭: line the store team, almost 40 people in stores, including 30 salespeople, a store manager, Assistant Store Manager, and the left is wind control, risk management team of about 10 people, the business team of nearly 30 people, was such a structure. When the salesman into the new customer when, first of all they have to do the first round of screening, customer materials, interviews with clients, doing a trial after the trial to Headquarters for approval only after all these decisions, are centrally by Headquarters for approval, so there is a big difference with the other company. After the lenders, we store the wind control will call customers to remind customers tell him right to the repayment date, you have repayment problems if default overdue customers into customers, you also need collection, so part of their vetting, there is some collection work. Their income, bonuses, all depends on the performance of risk management. So they are the first line of Defense for risk management. The online and offline risk models is one of our competitive advantages.
Tencent finance: analysts believe that peace benefits likely to be safe following the group life insurance, Bank the third-largest business and profit contribution plate. Set up a safe and inclusive, for peace group as a whole is what strategic purposes?
Zhao Rong奭: I think we must be safe and third-largest profit contributor to the group, which is the Group's expectations. Under the ping an group, in addition to bank lending is now in such integration, aim must be to be able to quickly become the market leader. We believe that this market is very big, and we have our own core competencies to be able to win the competition. Which is why we want to integrate established three business lines safe and inclusive reasons. In addition, I have thought about it, our loan business will be bigger and bigger, then why not is the largest profit contributor in the future?
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