Mutual gold (finance, P2P) product competition analysis report:

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This article does not start from the perspective of business and market, but basically analyzes Renrenhuo, group loan network, Juncai, and landmarks from the interface, process, and experience. Let’s take a look in the article~ 1. Industry development trends and status quo 1. Development Overview 2007: Since P2P landed in China; 2013: The real development began in 2013, when Yu’e Bao was launched; 2015: Entering the peak period, followed by industry chaos without supervision; 2016: On August 24, the China Banking Regulatory Commission, the Ministry of Industry and Information Technology, the Ministry of Public Security, and the State Internet Information Office issued the "Administrative Measures for the Business Activities of Online Lending Information Intermediaries" to delineate 13 regulatory red lines for the P2P industry. Since then, it has entered a policy-intensive period, and various policies and measures have been introduced from the state to local governments to industry associations. 2018: The recent P2P thunderstorm, P2P and Internet finance became the focus of attention. A large number of platforms have experienced extreme situations such as overdue, liquidation and even running away, causing widespread panic.

This is a phenomenon-level crisis for the Internet finance industry, which has seriously affected the confidence of relevant practitioners and users. But on the other hand, this is an inevitable process of good money chasing bad money. According to the incomplete statistics of Wangdaizhijia, as of the end of August 2018, the cumulative number of platforms was 6,395 , and 1,581 were in normal operation . Data source: Home of Net Loans 2. Regulatory trends Driven by the intensive policies of the state, local USA Phone Number List governments, industry associations, etc., and under the catalysis of various lightning strike events, "forcing" those non-compliant platforms and ill-intentioned capital operators to quit, which is not conducive to the healthy development of the industry. is very beneficial. To a certain extent, it is also an effective education process for many platforms and users, which can make the industry develop in a more rational direction. The entire industry of the net bag platform has reached a highly unanimous consensus, that is, "embracing supervision". In order to survive, we must actively embrace supervision, recognize the position of Internet finance in domestic finance, and take the initiative to rectify and comply with regulations.



Like other Internet products, it is moving in the direction of compliance, refinement, and user needs. 2. Competitive analysis 1. Identify competing products 1) Horizontal comparison After rounds of capital waves and problematic platforms, some excellent platforms are gradually left in the market. Select some online loan platforms for horizontal comparison from multiple dimensions, see the following table: 2) Reason for selection A platform that meets the same needs and has the same core functions: Juncai Financial Services; A platform that satisfies the same third-party fund custody platform (Huifu Tianxia): Landmark Finance; Platforms with the same core users, analyze how they attract users from the perspective of "product", "operation" and "user experience", and learn from the experience platform: Renrenhuo, Tuanhuo.com. 2. Analysis of product target audience Data source: Baidu Index With the help of the Baidu index tool, using Renrendai and Tuandai.com (Landmark Finance and Juncai Financial Services are not included) as keywords, and selecting the data from July 2018 to August 2018, we can find: 1) Age composition of target users The most users are in the age group of 30-39, with more than 50%.