Foreword
All business-first, service first, and then have a product.
A business model
Internet P2P lending since spawned a lot of models, there are three cash loans related to:
1. The transaction intermediary mode
(1) Mode Description:
I.e. P2P mode, as typical land gold. Platform as an intermediary does not deposit-taking, lending not only provided financial transaction information, brokered the transfer of loan claims. Financiers release loan information through the platform, screening lenders through loan information platform and complete the loan. Creditors for the user's investment, the debtor is the borrower of consumers and businesses;
(2) the target user:
There are financial needs of borrowers, enterprises, financial needs of investors;
(3) business model:
Provide information search, credit rating, credit transfers and other intermediary services, service charges, fees and other intermediary costs to borrowers and lenders.
2. lending business model
(1) Mode Description:
That mode of cash loans, 2345 loans as a typical representative of the king. Platform directly involved in the lending business, loan application on the user platform loans, loans through the platform into pieces of information and user-party data, and complete loan approval. Creditors loan platform, the debtor is the borrower users;
(2) the target user:
There borrower's financial needs;
(3) business model:
Provide loan services, interest charges, and service fees to the borrower.
3. Information aggregation
(1) Mode Description:
That is, loans supermarket model, such as the typical melt 360. Platform as an information platform for diversion, the other loans loan information platform to standardize and aggregate, presented to the user and provide one-stop service loans. Creditors platform for other loans, the debtor is the borrower users;
(2) the target user:
There are traffic demand platform loans, borrowers have funding needs;
(3) business model:
To provide users with one-stop free loan services, marketing expenses charged on the loan platform, the main settlement CPA, CPS.
Second, the product type
This series are expanded mode for cash loans, cash loans product types there are two categories:
- A one-time credit: Loans platform provides credit lines, users select and apply for credit, each loan application approval process needs to go, can not apply again before the loan outstanding orders;
- Revolving credit lines: the user to upload credit information platform gives loans line of credit based on user qualification, in the quota period, the outstanding principal balance as long as the user does not exceed the limit, can be recycled.
In addition, under the loan installments can be divided into no product staging and staging products, the main difference is the former is only a repayment plan, a number of the latter. Most of the cash loan product type is a one-time credit, no staging.
Third, the financial attributes
For a one-time credit, not staging a small, short-term cash loans products for further expansion:
1. loan amount
The principal user of the loan, usually 500 to 5,000 yuan.
2. The term of the loan
Loan term users, mostly in 7-30 days.
3. Expense Account
- Interest: * Term * interest rates by principal charge, each quite different, the domestic average annualized interest rate of 50% -300%;
- Service charges / fees: include technical service fees, account management fees, according to the loan principal, or the proportion of the number of charge;
- Liquidated damages / penalty: late fees, according to the proportion of overdue principal or the number of days overdue fee.
4. Payment
Payment of expenses Expenses are mainly two categories:
- Beheaded charge, deducted the cost of loan principal repayment of principal (mostly cash loans for such mode);
- Loan principal place, a one-time payment of principal and fees the borrower expires.
The offset sequence
Amount to be also may contain a variety of expense accounts, adjustment shall be in a certain order to offset the repayment, common in two ways:
- Liquidated damages / penalty -> service charges / fees -> principal (profit maximization)
- Principal -> service charges / fees -> liquidated damages / penalty (simple calculation logic)
Fourth, the loan process
Cash Loan product as a whole loan process is as follows:
1. overseas
Overseas (especially Southeast Asia) due to the lack of credit data products, into the main pieces of information by filling out the form
2. Domestic
Domestic product data due credit more abundant and mature, party service access will replace part of the form fields.
Five function modules
The overall structure of the front end of APP is relatively simple, the main function points are:
1. Register / Login / Forgot Password
- Phone number: general as uniquely identifies the user, with the ID card, bank card binding;
- Verification code: SMS sent via third-party channel providers, in order to prevent malicious attacks, usually with the image verification code.
2. Home Loans
- Loan products: the loan amount and term of the loan will be adjusted dynamically according to the user's credit performance;
- Calculator: When the user selects a loan product, calculated after each expense account presented to the user.
3. application into pieces
(1) Input Fields:
- Personal information: such as name, gender, education, marital status, residential address, email and so on;
- Work Information: main company telephone number, occupation, income, etc., after the anti-fraud, artificial and credits for nuclear power collection;
- Contact Information: Fill 1-3 for a contact, relationship relatives, colleagues and so on, the phone number needs to be obtained from the local address book;
- Bank account: for lenders and simply deduct, the best elemental verification, real consistency to match the user's name, phone number and bank card.
(2) party data:
- ID OCR: automatic identification and access to information on the document, and determines the document information is correct;
- Vivo identification: certification by a third-party platform, it is determined whether the applicant is I;
- 运营商认证：用户需填写手机号、服务密码，实质为获取用户的运营商套餐和通话数据；
- 电商认证：用户需填写电商账户、密码，实质为获取用户的网购数据和收获地址。
（3）数据抓取：
- 设备信息：获取设备IMEI、MAC地址等，生成设备指纹作为唯一标识用于反欺诈；
- 地址信息：获取GPS地理信息，判断用户的行为轨迹是否正常；
- 通讯录：获取手机联系人和通话记录的数据，用于反欺诈和贷后催收。
4. 状态页
（1）订单状态：
主要有申请成功、审核中、审核拒绝、审核通过、放款失败、放款成功、贷款结清；
（2）冻结期：
审核拒绝后会进入冻结期，此期间不可再次申请，冻结期一般在7-30天。
5. 还款页
（1）国内：
主要为银行卡划扣和主动还款，还款方式有快捷支付、支付宝、微信等；
（2）海外：
以东南亚为例，受限于当地不成熟的支付环境，以展示还款账户为主，用户通过便利店/ATM/网银等完成还款。
6. 其他
（1）运营模块：
如轮播图、优惠券、活动页、审核拒绝后的其他产品推荐；
（2）其他：
包括意见反馈、关于我们、客服电话等优先级不高的功能。