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助贷切换“轻资本模式”:互联网贷款新博弈开局

2020-07-07
436240
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YOUZHIKEHU,KANSHANGQUZHENGCHENGWEIXINJINGZHENGDEJIAODIAN。

1

LAIYUAN|LINGYICAIJING

ZUOZHE|WENQUAN

CENGJING,JIBIANXIANZAIYESHI,“DOUDI”SHIDADUOSHUZHUDAIJIGOUBIXUYAOZUODE。KESHIXIANZAIQINGKUANGKAISHIFASHENGBIANHUA。

5YUEDI、6YUECHU,YIZHUDAIYEWUWEIZHUDEJINRONGKEJISHANGSHIGONGSI360JINRONG、LEXINDEDIYIJIDUCAIBAOTOULULEZHEIYIGAIBIAN。360JINRONGDEYIJIBAOXIANSHI,ANQINGZIBENMOSHIDAIKUANDEWEICHANGYUEZHANWEICHANGDAIKUANZONGYUEDE21.2%。LEXINZEZAIQIYIJIBAOFABUHOUDEDIANHUAHUIYIZHONGTOULU,BUBAOLIUFENGXIANCHUBEI、QIEBUCHENGDANFENGXIANDEZHEIZHONGTESHUMOSHIZAIDIYIJIDUYIZHANDAIKUANZIJINYUE26%,DAOCAIBAOFABUSHIYIZHANZIJINYUE30%。

“QINGZIBENMOSHI”DEZHUDAI,BINGBUSHIXIANZAICAICHANSHENGDEXINSHIWU,ZHONGDIANZAIYU,ZHEIYIZAIGUOQUBINGFEIZHULIUDEMOSHI,JINNIANYILAIZHENGZAIBEIYUELAIYUEDUODEZHUDAIJIGOUCAIYONG,ERQIEZHENGZAIXIANG360JINRONGHELEXINZHEIYANGDEJINRONGKEJISHANGSHIGONGSIDEYEWUZHONGCHENGWEIZHULIU。360JINRONGXIANGLINGYICAIJINGBIAOSHI,ZHEIGEBILIZAINIANDIJIANGDADAO35%—40%ZUOYOU。ZAIYIJIBAOFABUHOUDEDIANHUAHUIYIZHONG,LEXINZETOULUZHEIYIMUBIAOSHIDAONIANDIDADAO50%。

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BUGUO,ZAI“141HAOWEN”FABUHOUDEXIANGDANGZHANGYIDUANSHIJIANLI,“DOUDI”RENGSHISHIZHISHANGDEXINGYEZHULIU。JIUQIYUANYIN,2017NIANQIANHOU,DADUOSHUJINRONGJIGOUSHANGWEIJIANLIQIDUILINGSHOUJINRONGYEWUJINXINGDICHENGBENFENGKONGDENENGLI,ZHUDAIJIGOUDUIZIJIAZICHANJINXING“DOUDI”,SHIYUJINRONGJIGOUZHIJIANJIANLISHANGYEXINRENDEBIXU,YESHIJINRONGJIGOUDUIZICHANJINXINGFENGXIANKONGZHIDEBIXU。

DANSHIXIANZAI,SHIQINGKAISHIBIANDEBUTONG。

“轻资本模式”加码

“QINGZIBENMOSHI”,YEJIAO“FENRUNMOSHI”,ZHIDESHIZHUDAIJIGOUZAIYUJINRONGJIGOUHEZUOSHI,CHENGDAN“DAOLIU+CHUSHAI”DEZHIZE,JIBALAIJIEKUANDEKEHUZUOWANDIYIDAOFENGKONGZHIHOUDAOLIUJIYINXING,YOUJINRONGJIGOUZIXINGJUEDINGSHIFOUXIANGKEHUFANGDAI、DAIKUANEDUDUOSHAODEJUECE。ZAICIGUOCHENGZHONG,ZHUDAIJIGOUBUSHIXIANGCONGQIANYIYANGZHUANQUFENGXIANSHOUYI,ERSHIZHUANQUHUOKEQUDAOHEFENGKONGJISHUDEFUWUFEI。

CIMOSHIDEHEXIN,JIUZAIYUZHUDAIJIGOUBUXUYAOZAIDUIZICHANJINXING“DOUDI”,GUERCHENGWEI“QINGZIBENMOSHI”。ZAICHUANTONGDEZHUDAIYEWUZHONG,ZHUDAIJIGOUXUYAOJIAO5%—10%DEBAOZHENGJINJIJINRONGJIGOU,RUGUOCHUXIANHUAIZHANG,JIANGCONGBAOZHENGJINLIMIANKOUCHU。ZAIZHEIZHONGMOSHIXIA,ZHUDAIYEWUDEBAOZHENGJINYAOZHANYONGYIDABIZIJIN,SHI“ZHONGZIBEN”DE。

YIBANLAISHUO,JIAOYOUSHILIDEPINGTAICAINENGKAIZHANZHEIZHONGMOSHIDEYEWU。BIRU,YIJIATOUBUYINXINGDEGAOGUANGAOSULINGYICAIJING,GAIXINGDUI“SHILI”DEJIBENYAOQIUSHI:BULIANGLVBUCHAOGUO4%,CUNLIANGKEHUBUDIYU20WAN,HUOYUEKEHUSHUBUDIYU10WAN,CUNLIANGYUEBUDIYU20YIYUAN。JUBEIZHEIYANGSHILIDEPINGTAICAIKEYIYUGAIYINXINGKAIZHANDOUDIHUOZHEJIABAOXIANMOSHIDEZHUDAI。ZAICIJICHUSHANG,RUGUOZHUDAIPINGTAIYOUJIAODADELIULIANG、ZAIHEZUOQIJIANBIAOXIANCHULIANGHAODEFENGKONGCHENGZHANGXING、CUISHOUNENGLIJIAOQIANG,YINXINGCAIHUIKAOLVYUGAIPINGTAIJINXING“QINGZIBENMOSHI”DEHEZUO。

DUIGUIMOJIAODADEZHUDAIPINGTAILAISHUO,FENRUNBILIHUIYOUYIDINGDEXIAJIANG,DANSHIYOUYUBUYONGCHENGDANHUAIZHANG,ZHUDAIPINGTAIZUIZHONGDESHOURUBUYIDINGHUIXIAJIANG。

QIANSHUTOUBUYINXINGGAOGUANXIANGLINGYICAIJINGXIANGXIJIESHAOLEZHEIYIJISUANGUOCHENG:

GAIMOSHIDEHEZUOFANGSHISHI:ZHUDAIPINGTAIFUZEDAOLIUJIADIYIDAOFENGKONG,PINGTAIJIANGKEHUTUIJIYINXINGZHIHOU,YINXINGDULIZUOSHIFOUSHOUXIN、SHOUXINEDUDUOSHAODEJUECE,DAIKUANFAFANGZHIHOU,ZHUDAIPINGTAIBANGZHUYINXINGZUOCUISHOU。RUGUOCUIHUI,ZHUDAIPINGTAIKEYITICHENG15%,ZHEIZAIZUIZHONGHUIZENGJIAZHUDAIPINGTAIDAYUE1%DESHOURU。

YINCI,YIDAIKUANLILVWEI18%WEILILAIJISUAN,ZAI“QINGZIBENMOSHI”XIA,ZHUDAIPINGTAIDESHOURUWEI:18%(DAIKUANLILV)*35%+1%(CHUXIANHUAIZHANGHOUBANGZHUCUIHUIHOUDETICHENG)=7.3%

ERZAIDOUDIMOSHIXIA,YINXINGTIGONGCHENGBENJIA,CHENGBENJIAYISHANGDEWEIZHUDAIPINGTAISUODE。YINXINGDEZIJINCHENGBENYIBANWEI7%—9%,ZAIZHEIZHONGMOSHIXIA,FANGKUANCHAOGUOCHENGBENDEBUFENWEIZHUDAIPINGTAIDESHOURU,JI9%—11%,DANSHIZHEIGESHUZIHAIYAOJIANQUHUAIZHANG。

SUOYI,DUIJIAODADEPINGTAILAISHUO,“QINGZIBENMOSHI”YUDOUDIMOSHIXIANGBI,LIRUNKENENGHUIYOUYIDINGDEXIAJIANG,DANSHIXIAJIANGDEKENENGBINGBUDUO。ERTONGGUOJIANGGUIMOZUODA,ZHEIXIEPINGTAIKEYIHUODEBIYUANLAIGENGDUODELIRUN。

DANSHIDUIYUJIAOXIAODEPINGTAILAISHUO,QINGKUANGJIUBUWANQUANXIANGTONGLE。QIANSHUTOUBUYINXINGGAOGUANGAOSULINGYICAIJING,YIBANLAISHUO,GUIMOJIAODADEZHUDAIPINGTAIKEYIYUJINRONGJIGOUFENXIANGDAIKUANSHOUYIDEZUIDUO30%—35%,GUIMOJIAOXIAODEZHUDAIPINGTAIFENXIANGBILIJINYUEWEI20%。

ZAIDIAOYANGUOCHENGZHONG,YINXINGNEIBURENSHI、DISANFANGKEJIFUWUSHANG、DUOJIAZHUDAIPINGTAIDOUXIANGLINGYICAIJINGFANKUI,JINNIANQUESHIGANJUE“QINGZIBENMOSHI”DEYEWUZAIZENGJIA。360JINRONGYEZAIJILINGYICAIJINGDEHUIFUZHONGBIAOSHI:“MUQIANLAIKAN,XINGYEZHENGTIDOUZAIXIANGQINGZIBENMOSHIZHUANYI,ZHEIYESHIWEILAIYIDUANSHIJIANDEFAZHANFANGXIANG。”

突破规模“天花板”

LINGYICAIJINGMUQIANZHUISUDAODE“QINGZIBENMOSHI”ZUIZAOCHUXIANDESHIJIANSHIZAI2016NIAN,DANSHIGENJUMUQIANHUOQUDEXINXI,TADEPENGBOFAZHANYINGGAISHICONG2018NIANKAISHIDE。

MAYIJINFUDEANLIJIESHILEZHEIZHONGMOSHIZAIDANGSHIKUAISUFAZHANDEYUANYIN,NEIJIUSHI——WEILETUPOZIBENJINXIANZHI,ZAIHEGUIDEQIANTIXIAJIANGYEWUGUIMOZUODA。

2018NIAN3YUE21RI,ZAI“2018XIAOFEIJINRONGXINGYEXINQUSHI”SHALONGSHANG,MAYIWEIDAIYEWUFUZERENTOULU,MAYIJINFUYIJINGZAIJIJITANSUOYUYINXINGDENGJINRONGJIGOUDEHEZUO,BINGYANGEZUOHAOFENGXIANPINGGU。GUANYUWEILAIYUJIGOUDEHEZUOFANGSHI,GAIFUZERENTEYIQIANGDIAO,JIANGYANGEANZHAOXINGUIYAOQIU,YOUJINRONGJIGOUZIZHUFENGKONG,MAYIJINFUYEHUIZUOFENGXIANPINGGU,DANSHENPIEDUYIJIGOUZHONGSHENJIEGUOWEIZHUN,MAYIJINFUBUHUIDOUDI。

ZHEIZHONGMOSHIDECHUXIAN,SHIZAIJIANGUANYALIXIACHANSHENGDE。DANGSHIMAYIJINFUMIANLINDEKUNJINGSHI,RUGUOBUCAIYONGCIMOSHI,JIUWUFAHEGUIDIJIANGYEWUGUIMOZUODA。

SHANGSHUSHALONGJUBANDE9TIANQIAN,YEJIUSHI2018NIAN3YUE12RI,JUWAIDIANBAODAO,MAYIJINFUDEXIAOFEIDAIKUANFAFANGZONGLIANGYIDADAORENMINBI6000YIYUAN(YUEHE950YIMEIYUAN),ZHEIGETILIANGSHIDANGSHIJIANSHEYINXINGXIAOFEIJINRONGDAIKUANGUIMODE3.7BEI。

YIWANG,MAYIJINFUJIEJUEZIJINLAIYUANZHUYAOYIKAOQIXIALIANGJIAXIAODAIGONGSIDEZICHANZHENGQUANHUARONGZI。DANGSHIGENJULINGYIZHIKUSHUJUTONGJI,2017NIANMAYIJINFUGONGFAXINGLE2430YIYUANDEZICHANZHENGQUANHUACHANPIN。

DANSHI,2017NIAN12YUE1RI,“141HAOWEN”GUIDING:YIXINDAIZICHANZHUANRANG、ZICHANZHENGQUANHUADENGMINGYIRONGRUDEZIJINYINGYUBIAONEIRONGZIHEBINGJISUAN,RONGZIZONGEYUZIBENJINGEDEBILIANGUIDINGZHIXING。

JINGUANDANGSHIMAYIJINFUYIJINGJIANGQIXIALIANGJIAXIAODAIGONGSIDEZHUCEZIBENCONG38YIYUANDAFUTISHENGZHI120YIYUAN,KESHIZHONGQINGYINJIANJUGUIDINGXIAODAIGONGSIGANGGANLVZUIGAOJINWEI2.3BEI,YOUXIANDEZHUCEZIBENNANYICHENGZAIQIANYIJIBIEDEYEWUTILIANG。

SHIJISHANG,2018NIAN1YUECHU,LUTOUSHEBAODAO,YANGXINGDUOWEIGUANYUANYIYUMAYIJINFUHUIMIAN,TAOLUNMAYIJINFUXIAOFEIJINRONGYEWUGAOGANGGANWENTI;ZAIMAYIJINFUJIANGDIGANGGANSHUIPINGZHIQIAN,YANGXINGKENENGHUIZUZHIMAYIJINFUFAXINGXINDEXIAOFEIDAIKUANZHENGQUAN。

DANGSHIMAYIJINFUCAIQUDEYINGDUICUOSHISHI,YIFANGMIANJIJIXUNQIUNAGENGDUODEJINRONGPAIZHAO,LINGYIFANGMIANXUNQIUYUYINXINGDENGJINRONGJIGOUHEZUO。

ZAIMAYIJINFUJIJITUIJINGAIYEWUDETONGSHI,DANGSHIDEJINGDONGJINRONGYEKUAISUFANYING。YIWEICENGJINGCANYUJINGDONGJINRONG“QINGZIBENMOSHI”HEZUODEYINXINGNEIBURENSHIGAOSULINGYICAIJING,2018NIANNIANZHONGJINGDONGJINRONGYIJINGYU10DUOJIAYINXINGDOUKAIZHANLEZHEIYIMOSHIDEHEZUO。SUIHOU,JINGDONGJINRONGDEYIGEJUDONGSHIZHONGSUOZHOUZHIDE,NEIJIUSHIZAI2018NIAN9YUE17RI,ZHENGSHIDUIWAIGENGMINGWEI“JINGDONGSHUKE”。

更多超级平台涌现

ZAI2018NIAN,YOUGENGHUAN“QINGZIBENMOSHI”XUQIUDEPINGTAIBINGBUDUO,DADUOSHUPINGTAIDOUHAIMEIYOUYUDAOZIBENJINYUESHU。QIANSHUYINXINGNEIBURENSHIGAOSULINGYICAIJING,DANGSHIZHIYOUMAYI、TENGXUN、JINGDONGQIXIADEZHUDAIYEWUGUIMOJIAODA,QITAPINGTAIGUIMODOUHAIHENXIAO。LIRU,JIULIANBAIDUQIXIADE“DUXIAOMANJINRONG”YESHIZAI2018NIAN4YUEGANGGANGSHIXIANDULIYUNYING,YEWUGUIMOYEHAIBUDA。

ZAIATJSANJIACHAOJIPINGTAIZHIWAI,QIYUDEZHUDAIJIGOUBUSHAODOUYOU“QINGZIBENMOSHI”DEYEWU,DANSHIGUIMODOUZUOBUDA。

YIWEISHANGSHIGONGSIQIANZIJINFUZERENXIANGLINGYICAIJINGXIANGXIJIESHILEZHEIZHONGQINGXING:

LIRUTASUOZAIDEPINGTAI,KEHUTILIANGBUXIANGATJSANJIADOUSHI“YIJI”DE,LIAN“QIANWANJI”DOUGOUBUSHANG,KEHUZHILIANGYOUBUJIATJSANJIAYOUZHI,RUGUOBUDUIZICHANJINXINGDOUDI,JINRONGJIGOUWUFAXINRENQIZICHANZHILIANG。ZHISUOYIGAIPINGTAIHEYOUDEJINRONGJIGOUYOU“QINGZIBENMOSHI”DEHEZUO,SHIYINWEIYOUDEJINRONGJIGOUSUIKANBUSHANGQIZICHANZHILIANG,DANSHIRENWEIGAIPINGTAIBIJINGYOUYIDINGDEKEHUSHU,KEYIJIANGZHEIXIEKEHUDANGZHONGJIAOWEIYOUZHIDEWAJUEYIXIA。

SHUANGFANGDEHEZUOFANGSHISHI,GAIJIGOUJIANGKEHUZUOWANCHUSHAI(YEJIUSHIDIYIDAOFENGKONG)ZHIHOUDAOLIUJIJINRONGJIGOU,JINRONGJIGOUDULIZUOFENGKONG,“GUOJIANLVFEICHANGDI”,TATOULU,“JULILAISHUO,100GEKEHULIMIAN,NENGNADAODAIKUANDEZHIYOUJIGE,YOUSHIZHEIGEBILISHENZHIDIZHI1%。”YAOJIADAZHEIZHONGMOSHIDEGUIMO,YAOMEXUYAOBUDUANZENGJIAKEHUGUIMO,YAOMEXUYAOZENGJIAFENRUNBILI,LIANGZHONGTUJINGDOUFEICHANGNAN。YINCI,ZHEIZHONG“QINGZIBENMOSHI”DEYEWUTILIANGFEICHANGXIAO,WUFACHENGWEIGAIJIGOUZHUDAIDEZHULIUMOSHI,ZHULIUMOSHIHAISHIXUYAO“DOUDI”DEZHUDAI。

QIANLIANGNIAN,JINRONGJIGOUZAILINGSHOUJINRONGZICHANSHANGJINXINGDICHENGBENDULIFENGKONGDENENGLIBUZU,YEXIANZHILEZHEIZHONGYEWUMOSHIDEDAFUZENGZHANG。LINGYICAIJINGHUOZHI,ZAIQIANLIANGNIAN,YEYOUJIGOUZAIJIJITUIGUANGQINGZIBENMOSHIDEYEWU,DANSHIYOUYUDANGSHIDADUOSHUJINRONGJIGOUDOUMEIYOUDULIFENGKONGNENGLI,ZHEIYIMOSHIHENNANQILIANG,SUOYIMEIZUOQILAI。

DANSHIJINNIAN,QINGKUANGFASHENGLEBIANHUA,GENGDUODEPINGTAIKAISHIJIADA“QINGZIBENMOSHI”DEZHUDAIYEWULIANG。

JULINGYICAIJINGZONGHEDUOWEIYENEIRENSHITIGONGDEXINXI(DANWEINENGQUDEZHEIXIEPINGTAIDEYIYIQUEREN),MUQIANZUOZHUDAI“QINGZIBENMOSHI”JIAODUODEGONGSIYOU:MAYIJITUAN、WEIZHONGYINXING、JINGDONGSHUKE、DUXIAOMANJINRONG、MEITUANJINFU、XIAOMIJINRONG、XIECHENGJINRONG、YIZHIFU、360JINRONG、LEXIN、QUDIANDENG。

ZONGHELINGYICAIJINGMUQIANHUOQUDEXINXI,ZHEIQIZHONGZUIZHUYAODEYUANYINKENENGSHI——GENGDUOHULIANWANGDAIKUANCHAOJIPINGTAIZAIYONGXIAN。GUOQUZHIYOUATJSANJIACHENGDESHANGSHIHULIANWANGDAIKUANDECHAOJIPINGTAI,DANSHIXIANZAIGENGDUODEGONGSIZAIJIARUZHEIYIXINGLIE,TAMENTONGYANGYUDAOLEYEWUGUIMODE“TIANHUABAN”,BIXUMIANDUIDANGNIANMAYIJINFUCENGJINGYUDAODEWENTI。

BIRU,360JINRONGJIUZAIJILINGYICAIJINGDEHUIFUZHONGBIAOSHI:“DOUDIMOSHIDEQINGKUANGXIA,SUIRANJIGOUNADAODEQIANGENGDUO,DANSHICHENGDANDEFENGXIANGENGDA,SUNSHIJIUKENENGSHIGENGDA。QINGZIBENMOSHIFENDAODEQIANKENENGSHIBIANSHAOLE,DANSHIBUYONGCHENGDANSUNSHI,BUHUIDAOKUIQIAN。GONGSIXIANJIEDUANBINGBUJIANGLIRUNZUOWEIWEIYIMUBIAO。WODAODIFUWULEDUOSHAOREN,YONGHUSHIFOUYOUZUGOUGAODELIUCUN,GENWOMENZOUDEHENYUAN,ZHEIJUEDINGLEGONGSIDEJIAZHI。QINGZIBENMOSHIJIANGYOUZHUYUGENGHAODEFUWUGENGDUODEYONGHU。”

LEXINYEZAIJILINGYICAIJINGDEHUIFUZHONGXIEDAO:“FENRUNMOSHIXIA,PINGTAIBUSHOUXUYAOZIBENJINYUESHU,BUXUYAODOUDI,YEWUGUIMOBUSHOUGANGGANXIANZHI,KEYIDAZHANQUANJIAOTUOZHANYEWULIANG,DUIYULEXINLAISHUO,SUIXISHENGLELIRUNFENE,DANYEWUWENDINGXINGGENGQIANG,ERQIEKEYITONGGUOYEWUGUIMOHUAJINGYING,MIBUSHOUYIFANGMIANDESUNSHI。”

YUCITONGSHI,KEGUANHUANJINGYEZAICUSHIZHEIZHONGMOSHIFAZHANZHUANGDA:

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DIER,XIAOFEIJINRONGDEFAZHANJIEDUANYIJINGFASHENGGAIBIAN。XINGLIEZHISHIYIJIAZHUANZHUYUXIAOFEIJINRONGZICHANDINGJIADEKEJIGONGSI,YUBUSHAOZIJINFANGHEZICHANFANGDOUYOUHEZUO。XINGLIEZHILIANHECHUANGSHIRENCHANGZHICHAOGUANCHADAO:CONG2015NIANDAO2018NIAN,XIAOFEIJINRONGJINGLILEFEISUDEZENGZHANG,DANGSHIZAISHICHANGGUIMOJIJUKUOZHANGDEQINGKUANGXIA,HULIANWANGDAIKUANMIANLINDEWENTIZHUYAOSHIZIJINBUZU,YEJIUSHI“ZIJINHUANG”。NEISHI,HULIANWANGDAIKUANPINGTAIYOUQIUYUJINRONGJIGOU,JINRONGJIGOUZHANGWOHUAYUQUAN。

DANSHI2018NIANDAO2019NIANJIAN,XIAOFEIJINRONGZENGSUFANGHUAN,SHICHANGQINGKUANGFASHENGLE“FANZHUAN”,“ZIJINHUANG”BIANCHENGLE“ZICHANHUANG”,SHOUWOYOUZHIZICHANDEPINGTAINAHUILEHUAYUQUAN。ZHEIXIEPINGTAIWEILEJIEJUEYEWUGUIMOXIANZHIDEWENTI,WUFAJIXUTIGONGDOUDIMOSHIDEZHUDAI,ZIJINFANGWEILEHUOQUYOUZHIZICHAN,ZHINENGRANGBU。

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TAJINYIBUJIESHI,ZHEISHIYINWEIYINXINGDEZIJINYEYOU“TIANHUABAN”,YINWEIYINXINGJINGYINGYOUCUNDAIBIDEYUESHU。DAIKUANGUIMODADAOYIDINGBILIZHIHOU,BUNENGJIXUSHANGSHENG。YAOJINYIBUTIGAODAIKUANGUIMO,YINXINGBIXUZENGJIACUNKUANGUIMO。ZAIYINXINGDECHANGGUIYEWUZHONG,YOUYUYINXINGYUKEHUZHIJIEJIECHU,DUIKEHUDAIKUANYEWUDEJINGYINGNENGGOUZENGQIANGKEHUHEYINXINGZHIJIANDEZHANXING,FANGUOLAIYEHUIZENGJIACUNKUANYEWULIANG,ZHEIYANGKEYICUSHIYINXINGYEWUXINGCHENGLIANGXINGXUNHUAN。

DANSHI,ZHUDAIYEWUXIANGDANGYUYINXING“MAIQIAN”,DAIKUANFANGCHUQULE,DANSHINADAODAIKUANDEKEHUZHIZHIDAOZHUDAIPINGTAI,BUZHIDAOBEIHOUDEYINXING,ZHEIZAIWEILAIBINGBUNENGZENGJIAYINXINGDECUNKUANLIANG。YINCI,YINXINGDEZHEIKUAIYEWUBUNENGZHANGQILIANGXINGZENGZHANG。SHEXIANGYIZHONGJIDUANDEQINGKUANG,RUGUOYOUYITIANYOUZHUDAIPINGTAITINGZHILEYUYINXINGHEZUO,JULIANGDEYEWULIJITINGZHI,FEICHANGWEIXIAN。CIWAI,JISHISHIZAI“DOUDI”MOSHIXIA,ZHUDAIJIGOUSHIJISHANGYEBINGBUYIDINGZHENNENGDOUDI。ZHUDAIJIGOUSHIJISHANGZHAZHASHISHINENGDOUDEZHIYOU5%—10%DEBAOZHENGJIN,YIDANHUAIZHANGCHAOCHUBAOZHENGJIN,ZHUDAIJIGOUKENENGPAOLU。

DIWU,QINGZIBENMOSHIXIA,SUIRANLIRUNLVYOUKENENGJIANGDI,DANSHIJINRONGKEJIGONGSIZUOZHEIZHONGYEWU,ZAIZIBENSHICHANGSHANGDEGUZHIQUEGENGGAO。ZAIZIBENSHICHANGSHANG,KEJIGONGSISHIJISHIBEIDEPE,JINRONGGONGSIZHIYOUSHIJIBEIDEPE,CHAJUFEICHANGDA。

进退的权衡

NEIMEWENTILAILE,“QINGZIBENMOSHI”SHIFOUHUIZAIJINNIANKUAISUFAZHAN,WANQUANTIDAI“DOUDI”MOSHI?

KEYIKENDINGDESHI,YOUYUTOUBUZHUDAIPINGTAIDOUZAIKAIZHANZHEIYIMOSHIDEYEWU,JIASHANGJIANGUANYALIRIYIJIADA,GENGDUODEPINGTAIDOUZAIMIQIEGUANZHUZHEIYIMOSHIDEFAZHAN,BINGKAISHIKAOLVZAIWEILAIQIEHUANZHEIYIMOSHIDEKENENGXING。YINWEIRUGUOYOUXIEGUIMOJIAOXIAODEPINGTAIRENWEICIMOSHIYUZIJIWUGUAN,RUGUOWEILAIZHUYAOPINGTAIDOUWANCHENGQIEHUAN,“DOUDI”MOSHIBEIJIANGUANWANQUANJINZHIBINGSHEZHIGUODUQI,ZHEIXIEPINGTAIJIANGHUICUOSHOUBUJI。

DANSHI,ZHEIYIMOSHIDEFAZHANSUDUXIANZAIHAIBUHUINEIMEKUAI,TAYU“DOUDI”MOSHIBINGBUSHIJIANDANDETIDAIGUANXI。

ZHEIDUIZICHANFANG(ZHUDAIPINGTAI)HEZIJINFANG(JINRONGJIGOU)DOUYIWEIZHEXINDEKAOYAN。

ZICHANFANGXUYAOKAOLVSHIFOUYOUNENGLIKAIZHANZHEIYIYEWU,YINWEIZHEIZHONGMOSHIXIAZICHANFANGZAIMEIBIYEWUZHONGFENDEDESHOUYIKENENGHUIXIAJIANG,RUGUOGUIMOSHANGBUQU,DUIZICHANFANGLAISHUOJIUYIWEIZHEYEWUDEWEISUO。

LINGYICAIJINGYUYIWEITOUBUZHUDAIPINGTAINEIBURENSHIGOUTONGLEJIEDAO,RUGUOKAIZHAN“QINGZIBENMOSHI”DEYEWU,ZHUDAIPINGTAIBIXUKAOLVYIXIAJIGEWENTI:DIYI,ZIJIYOUDUODADEKEHUJICHU,CHULEZIYOUKEHUZHIWAI,NENGFOUJIANGCHANPINSHUCHUDAOBIEDECHANGJING,YINRUWAIBUKEHU——RUGUOBUNENGYINRUWAIBUKEHU,ZHEIYIMOSHIDEGUIMOFEICHANGYOUXIAN,KENENGZHICHENGBULECHIXUZENGZHANG;DIER,MUQIANDEKEHUYIJINGYONGLEDUOSHAO,HAIYOUDUOSHAOKEGONGWAJUE——YINWEIZHEIYIWEIZHEQIEHUAN“QINGZIBENMOSHI”ZHIHOUDEYEWUZENGZHANGKONGJIAN;DISAN,ZISHENDESHAIXUANNENGLI、CUISHOUNENGLIRUHE——RUGUOZHEIXIENENGLIBUZU,HUIDADAYINGXIANGQIEHUAN“QINGZIBENMOSHI”ZHIHOUDESHOURUSHUIPING。

YIJINGKAIZHANZHEIYIMOSHIDEZHUDAIPINGTAI,YEBINGFEISHIJIANGSUOYOUYEWUDOUQIEHUANCHENGLE“QINGZIBENMOSHI”,WEILAIYEKENENGBUHUISHIQUANBUDOUQIEHUAN。LEXINXIANGLINGYICAIJINGBIAOSHI:“ZHEIYIBILIWEILAIYEHUIYOUSUOZENGJIA,DANSHIBINGFEIWANQUANTIDAI。”JULINGYICAIJINGLEJIE,MUQIANTOUBUDEZHUDAIPINGTAIDOUNADAOLEJINRONGPAIZHAO。YIBANLAISHUO,ZHEIXIEPINGTAIDEZICHANYOUJIGEQUXIANG:YUGAIPINGTAIXIANGGUANDECHIPAIJIGOU、YUJINRONGJIGOUHEZUODELIANHEDAIKUAN、DOUDIMOSHIDEZHUDAI(BAOKUOJIARONGDANHUOBAOXIANDEMOSHI)、QINGZIBENMOSHIDEZHUDAI——YEJIUSHISHUO,ZHEIXIEPINGTAIBINGFEIJIANGSUOYOUDEKEHUDOUDAOLIUJILEJINRONGJIGOU。

CONGSHIJILUODILAIKAN,BINGFEISUOYOUDEZHUDAIPINGTAIDOUKEYIYUJINRONGJIGOUHEZUOZHEIYIMOSHI,YIBANLAISHUOXUYAOZAIQIANQIYUJINRONGJIGOUDEHEZUOZHONGYOUBIJIAOLIANGHAODESHUJUBIAOXIAN、YUJINRONGJIGOUJIANLILEXINRENDEPINGTAICAIYOUJIHUIKAIZHANZHEIYIYEWU。YIWEIGUFENZHIYINXINGNEIBURENSHIGAOSULINGYICAIJING,YIBANYOUSHILIDEPINGTAICAIKEYIYUJINRONGJIGOUHEZUOKAIZHAN“QINGZIBENMOSHI”DEZHUDAI。“SHILI”BIAOXIANZAI,PINGTAILIULIANGJIAODA、ZAIYUJINRONGJIGOUZHIQIANDEHEZUOZHONGFENGXIANBIAOXIANLIANGHAOBINGQIEBIAOXIANCHULIANGHAODECHENGZHANGXING、YOUJIAOQIANGDECUISHOUNENGLI。

ZIJINFANGZEXUYAOKAOLVZISHENDULIFENGKONGNENGLIDEQIANGRUO。JULINGYICAIJINGLEJIE,MUQIANCANYUZHEIYIMOSHIJIAODUODEJINRONGJIGOUSHIGUOYOUDAXING、GUFENZHIYINXINGYIJISHAOSHUTOUBUDEYOUDULIFENGKONGNENGLIDECHENGSHANGXING,BIRUNANJINGYINXING,HAIYOUSHAOSHUJIJIAXIAOFEIJINRONGGONGSI,BIRUMASHANGXIAOFEIJINRONGHEZHONGYUANXIAOFEIJINRONG。YIBANLAISHUO,FENGKONGNENGLIJIAORUODEYINXINGBINGBUGANQIEHUAN“QINGZIBENMOSHI”。

DANSHI,YEYOUJIAOWEITOUBUDEYINXINGDUICICHIBAOSHOUTAIDU。YIJIAYUHULIANWANGPINGTAIJIAOZAOKAIZHANHEZUODEYINXINGNEIBURENSHIXIANGLINGYICAIJINGBIAOSHI,TASUOZAIDEFENXINGMUQIANSUOYOUDEZHUDAIZICHANDOUXUYAODOUDI。JINNIAN,XIAOFEIJINRONGSHICHANGYIJINGBUZAIKUAISUKUOZHANGDEZHOUQI,ZAIJIASHANGYIQINGDEYINGXIANG,XINGLIDUIFENGXIANBAWOFEICHANGJINSHEN。YIBANLAISHUO,YINXINGRUGUOCHUXIANHUAIZHANG,DOUHUIJIANGZERENZHUIJIUDAOREN,SUOYIDUIFENGXIANBIJIAOBAOSHOU。

GAIRENSHIRENTONG“QINGZIBENMOSHI”QUESHISHIGEQUSHI,TABIAOSHI:“YINXINGXIANZAIDOUZAIJIAQIANGFENGKONGNENGLIDEJIANSHE,JIUSHIWEILEJIANGLAINENGGOUZIZHUBAWOFENGKONG,JINKENENGJIANSHAODUIZHUDAIJIGOUDEYILAI。DANSHI,XIANZAIQIEHUAN‘QINGZIBENMOSHI’,HAIBUSHISHIHOU。”

新博弈开局

SUIZHE“QINGZIBENMOSHI”DEZHUBUQIEHUAN,JINRONGJIGOUZHENGZAIYUJUYOUKEJISHUXINGDEZHUDAIPINGTAIZHANKAIYIDUANXINDEGUANXI。

YOUYENEIRENSHIGUANCHADAO,YOUYIGEHENYOUYISIDEXIANXIANGSHI,CONG2019NIANXIABANNIANKAISHI,ZHUDAIJIGOUBUZENMEQUBAIFANGZIJINFANGLE,ERZAI2019NIANSHANGBANNIAN,BAIFANGZIJINFANGHAISHIBUSHAOZHUDAIPINGTAIDETOUHAORENWU。

QUERDAIZHIDESHI,YOUTOUBUZHUDAIPINGTAINEIBURENSHIGAOSULINGYICAIJING,XIANZAI“QINGZIBENMOSHI”DEXUQIUDAYUGONGJI——BUSHAOZIJINFANGXIWANGJIERUZHEIYANGDEZICHAN,DANSHIZHUDAIPINGTAIDEZICHANQUEBUGOUYONG。

XINDEGUANXIHAIZAIMOSUODEJINCHENGZHONG。

ZAI“QINGZIBENMOSHI”DEYEWUZHONG,ZHUDAIPINGTAIRUHEJIANGKEHUDAOLIUJIJINRONGJIGOU?ZHEISHIGEGUANJIANWENTI。

GENJULINGYICAIJINGMUQIANHUODEDEXINXI,ZAIZHEIGEWENTISHANG,ZHUDAIJIGOUMIANLINLIANGNANXUANZE:RUGUOBAYOUZHIDEKEHUQUANBUDAOLIUJIJINRONGJIGOU,ZHUDAIJIGOUZIJIYEMIANLINRUHEZHUANQIANDEWENTI;RUGUOBUBAYOUZHIKEHUDAOLIUJIJINRONGJIGOU,YOUBULIYUYUJINRONGJIGOUJIANLIZHANGQIDEXINRENGUANXI。

XIAOXIRENSHIXIANGLINGYICAIJINGTOULU,360JINRONGDE“QINGZIBENMOSHI”DEYEWU,SHIJIANGDAIKUANLILVZAI24%YINEI、DONGZILVDIYU50%(ZHIDESHIZAIPINGTAIJIYUKEHUDEDAIKUANEDUZHONG,ZUIZHONGDAICHUDESHIJIJINEDIYUZONGEDU50%)DEKEHUDAOLIUJIYINXING。DANSHI,360JINRONGXIANGLINGYICAIJINGFOURENLEZHEIYIDIAN。

YOUCHENGSHANGXINGRENSHIZEXIANGLINGYICAIJINGTOULU,MUQIAN“QINGZIBENMOSHI”DEYEWUCUNZAILOUDONG。GAIRENSHIJIANGSHULECENGJINGCESHIZHEIYIMOSHISHIFAXIANDEWENTI:

TACENGJINGRANGYIWEIYOUZHIKEHUDAOCESHIPINGTAISHANGSHENQINGDAIKUAN,JIEGUOGAIPINGTAIFANKUIJIYINXINGDEJIEGUOSHI“No”,JIBUJIANYIXIANGGAIKEHUFAFANGDAIKUAN。GUOLEYIDUANSHIJIAN,GAIKEHUSHOUDAOLEBUSHAOQITADAIKUANPINGTAIDETUIXIAODIANHUA,ERQIEXIAOSHOUYUANMENDUIZHEIWEIKEHUDEXINXILERUZHIZHANG。

“ZHEIFANYINGLE,TAMENMINGZHIZHEISHIYOUZHIKEHU,DANSHIQUEMEIYOURUSHIXIANGYINXINGFANYINGZHEIWEIKEHUDEXINYONGQINGKUANG。ZHEIJIUSHIZHEIZHONGMOSHIDELOUDONG——ZHUDAIJIGOUWEIBIHUIBAZUIYOUZHIDEKEHUDAOLIUJIYINXING。”GAIRENSHIZHICHU,“ZHEISHIWOMENZHUANMENCELECAIFAXIANZHEIGEWENTI,HENDUOJINRONGJIGOUKENENGGENBENBUZHIDAOHAICUNZAIZHEIYANGDEWENTI。”

YOUZHIKEHU,KANSHANGQUZHENGCHENGWEIXINJINGZHENGDEJIAODIAN。

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