On the evening of December 27, Lufax received the First Liquidation Report of Datong Securities Tongji No. 9 Collective Asset Management Plan and the First Liquidation Report of Datong Securities Tongji No. 10 Collective Asset Management Plan announced by Datong Securities. Longli Biological (002604) promised to repay all the principal and earnings in six installments. And complete the full payment before April 25, 2018. So far, the uproar caused by Lufax overdue event officially come to an end. However, this incident led to a significant increase in users' distrust of online lending platforms, Lufax overdue, other platforms can be better than it?
In this regard, Li Fengyi, CEO of Cloud Money Pocket, an online lending platform, said that this incident does not involve the online lending platform, the nature of the online lending platform is small dispersed, the relevant departments have long stipulated, and there is a very strict amount limit for the borrower, I hope the vast number of online loan users do not confuse the two. At the same time, Li Fengyi believes that under the principle of small-amount dispersion, the advantages of online lending platforms are quite obvious. First, it enables individuals with financing needs to obtain timely and convenient lending services. Second, the lenders on the platform have reaped a considerable profit. According to industry research data, young people born in the 1980s account for 67.9 percent of all lenders and are the main users of online lending platforms. That's why we need to create more opportunities for our young people to enjoy the wealth that this time has given them.
Understand the needs of young people, precise positioning of users
As for young people's pursuit of wealth, Li Fengyi said that the key lies in the way they pursue wealth. To make money reasonably and legally through one's own efforts is not only beneficial to oneself, but also makes a due contribution to society. Today's young people have become complete Internet users. Under the premise of the Internet, all Internet financial platforms should think about how to understand and tap their needs and meet them.
Young people born in the 1980s and 1990s are the backbone of current Internet users. Simply using the Internet to get information is the most basic need, this generation of young people is not, they have been baptized by the Internet, have begun to get information from the Internet and processing into their own things. For example, the relatively simple knowledge question and answer has gradually evolved into the in-depth popularization of relevant knowledge. On platforms like Zhihu, it is no exaggeration to write a paper by answering a question. They also expect all industries to be able to take advantage of the Internet and meet their needs without leaving home. Nowadays, online registration, eating takeout, one click taxi is very popular.
The timing, risk, liquidity and profitability of financial products have not changed, but the needs of young people have changed. First of all, they require enough convenience, no need to go to the business hall, no need to be in a specific time, and they also need to have enough choices, more preferential activities and more novel ways of playing. Traditional finance is hard to meet, so Internet finance comes into being.
Be a friend to young people and help them enjoy their wealth
Judging from the actual situation, our people's awareness of financial management is still relatively weak. It is encouraging to see that these young people have become the leading force in popularizing financial knowledge. What school didn't teach them, the university of society made them more rational. In May, Ant Financial released a 2017 Consumer Life Report for young people. According to the report, more than 99 percent of young people are able to repay on time or in advance, and nearly 70 percent of post-90s users are able to spend rationally, limiting their monthly expenses to less than two-thirds of the credit limit. Such statistics may seem contrary to our impression, but this is the trend. Young people are becoming mature and sensible.
The same is true in Internet finance. According to the background data of cloud Money Bag, the average loan amount of post-80s lenders is 31,000 yuan, and the average loan amount of post-90s lenders is 13,000 yuan. Young people are using their hard work to obtain wealth. Cloud money bags also help them enjoy their wealth in many ways. For example, set different deadlines and let them choose. The final result also verifies the rationality of this method. The post-80s generally lend money for about 6 months, followed by 12 months. The post-90s prefer short-term lending, with 1-3 months becoming their first choice.
"As a fintech enterprise, YunQianbaguan will continue to provide services for young people, help them enjoy wealth, but also let them gradually improve their concept of financial management, and treat wealth more rational attitude" Li Fengyi said, Yunqianbaguan will continue to focus on the field of young people in the future, better serve the post-80s, 90s and post-00s groups. We will continue to promote the re-accumulation of wealth among young people.
