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中国现金贷「大结局」:八成头部玩家已消亡

2020-11-20
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ZHUANXINGFANGXIANGYOUWULEI。

ZUOZHE | LIMI

JINIANDEFENGYUNBIANHUANZHIHOU,BUSHAORENDOUZAIHAOQI,NEIXIECENGZHUANDEPENMANBOMANDEXIANJINDAIWANJIAMEN,XIANZAIHAIHUOZHEMA?(ZHU:BENWENSUOZHIXIANJINDAI,ZHUYAOWEIFEICHIPAIJINRONGJIGOUDEMINJIANXIXIANJINDAICHANPIN)

QUESHI,ZICONG2017NIAN“141”HAOWENYILAI,SANNIANDUODESHIJIANLI,XIANJINDAIXINGYEKEWEISHIJINGLILEGEGELIANTIAODEQUANXIANJUJI,BUSHAOCENGJINGDETOUBUDALAOYIJINGZAIXINGYELIXIAOSHENGNIJI,CHENGWEILISHI。

2018NIANNIANZHONG,XINLIUCAIJINGHUIZONGGUO“141HAO”WENJIANGUOQU10GEYUEHOUYONGQIANBAO、XIANGQIANDAI、MOFAXIANJIN、XIANJINBASHI、SHANDIANJIEKUANDENG20JIACENGJINGDETOUBUXIANJINDAIPINGTAIDEZHUANGTAI,QIZHONGYOUJIJIAPINGTAIYIJINGTINGZHIFANGKUAN,DANSHIDADUOSHUPINGTAIRENGZAIFANGKUANZHONG,YOUDEZEQIDONGLEZHUANXING,ZHIWEIJIXUSHENGCUNXIAQU。

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ZAIGAOBIEXIANJINDAI、MOUQIUZHUANXINGDESHIZILUKOUSHANG,BUTONGPINGTAIXUANZELEBUTONGDEDAOLU,ZHEIYEJUEDINGLEGEJIAZHIHOUDEMINGYUN。

ZONGTIERYAN,KEYIJIANGZHUANXINGFENWEIWUDALEI,FAZHANZHIJINGEBUXIANGTONG——

一、转型贷款超市

WUYONGZHIYI,NENGCHENGWEITOUBUXIANJINDAI,SHOUZHONGDINGJIZANLEDALIANGLIULIANG,ZHUANXINGWEILIULIANGFANGWEIQITADAIKUANCHANPINYINLIU,SHIZUIJIANDANDEYIZHONGFANGSHI。

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二、上线电商商城、发力线下业务

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KEJIAN,XIANJINDAIPINGTAIZHUANXIANGXIAOFEIFENQIBINGBURONGYI。

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三、走上持牌之路

JINJINIAN,TOUBUXIANJINDAIPINGTAIYEYISHIDAOLEYIZHANGJUYOUHANJINLIANGDEPAIZHAODEZHONGYAOXING,ZOUSHANGLENULIZHENGQUNAPAIZHILU。

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ZHEIYOUYINZHENGLE,JINZAONAXIAPAIZHAO,CAISHIMINGZHIZHIJU。

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ZAI20JIATOUBUXIANJINDAIPINGTAIZHIZHONG,2345、QUDIANZAOZAONAXIALEWANGLUOXIAODAIPAIZHAO,YUANBENHUOXUKEYIYIYIDAILAO,DANWANGLUOXIAODAIXINGUIZHENGQIUYIJIANGAORANGQICUOSHOUBUJI,WEILAIYEWUYECHONGMANLEBIANSHU。

QICHACHAXIANSHI,2345QIXIAGUANGZHOUERSANSIWUHULIANWANGXIAOEDAIKUANYOUXIANGONGSIZHUCEZIBEN20YIYUAN,QUDIANQIXIAGANZHOUKUAILESHENGHUOWANGLUOXIAOEDAIKUANYOUXIANGONGSIZHUCEZIBEN9YIYUAN,

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四、发展to B业务,提供金融科技服务

BUNANKANCHU,XIANGYINXINGDENGBDUANJIGOUSHUCHUJINRONGKEJIFUWUYIJINGCHENGWEIDADUOSHUXIANJINDAIPINGTAIDEXUANZE。

WUYONGZHIYI,TOUBUXIANJINDAIPINGTAIZAIXIANSHANGXINDAIFANGMIANDEHUOKE、FENGXIANGUANLI、KEHUYUNYING、DAIHOUGUANLIDENGGEGEHUANJIEDOUYOUZHEFENGFUDEJINGYANHEYIDINGDEJISHUNENGLI。

YEJIUSHIJINJINIAN,ZHONGXIAOYINXINGJINRONGKEJIYISHIDEJUEXING,JINRONGKEJIDANIAN,YESHIXIANJINDAIPINGTAIZHUANXINGDEZHONGYAOSHIJI。

BUJUXIANYUYISHANG20JIAPINGTAI,ZHONGDUOCENGJINGDEP2PDALAO,YEZHUANXIANGLEJINRONGKEJI,ZHEIGESAIDAOBIANDEYUEFAYONGJI,ZAIJIASHANGJIANGUANZHONGYALIZHIXIA,CHIPAIJIGOUZAIXUANZEHEZUOPINGTAISHI,DUIYUFENGKONGNENGLIDEKAOCHA、CHANPINSHIFOUHEGUIDENGDOUHUIYOUGENGYANGEDESHAIXUANBIAOZHUN。

DANZHUANXIANGto B,HUOXUCAISHIWUPAIJIGOUZHENZHENGDEPOJIANCHENGDIEZHILU。

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五、转战海外

SUIZHEGUONEIDEQIANGJIANGUAN,CENGJINGTOUBUDEXIANJINDAIPINGTAIJIANGMUGUANGZHUANXIANGLEZHENGCEXIANGDUIKUANSONG、JIEKUANXUQIUWANGSHENGDEXINGUODU,BIRUZHANGZHONG、SHANYINDENG。

JUBAODAO,2019NIAN12YUE,YINNIXIANJINDAISHICHANGJIBENBEIZHONGZIWANJIALONGDUAN,DANGSHUTOUBUDEJIUYOUKredit Pintar、Rupiah Cepat(360MOBISHENQI)、Dana Rupiah(ZHANGZHONG)、Tunal Kita(SHANYIN),YUEFANGGUIMOZAI3000-4000WANMEIYUANZUOYOU,ZHUCEYONGHUTILIANGZAI300-500WANRENZUOYOU。CIWAI,ZHANGZHONGZAI2019NIANHAIJINRULEFEIZHOUSHICHANG。

JIANGUANCENGDEZHENGZHISHIDEXIANJINDAIXINGYEZHENGZAIMANMANZOUXIANGHEGUIHUA,TONGSHI,ZAIWANGSHENGDESHICHANGXUQIUZHIXIA,XIANJINDAICHANPINZONGSHICHUNFENGCHUNYOUSHENG,YOUDEXIANJINDAIWANJIARENGHUANZHEBUTONGDEXINGTAIHEMAJIAZAIFENGKOULANGJIANSHANGTIANXUEBANCUNZAIZHE,YOUDEZEYOUYUFENGKONGSHILIBUDAOWEI,JIXUCHULIYIDUIHUAIZHANGDENGJISHOUDEWENTI…

BUGUANXUANZEHEZHONGZHUANXINGDAOLU,XIANJINDAIXINGYEDEFENHUA、XIPAICONGWEITINGZHIGUO。


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