郭宇航表示,点融网的使命是取代高利贷机构。但点融网正在做的远不止这一点。它的许多客户都来自新的“在线世界,其中很大一部分是优步(Uber)司机,他们申请贷款是为了买车或租车,以提供出租车服务。
Already, Dianrong has lent money to 400 such people, sometimes with the car as collateral orwith a guarantee from the leasing company involved. The system is so flexible that a drivercan repay the loan without being locked in to a fixed period and the technology so advancedthat Dianrong can monitor in real time how much money the driver collects.
点融网已向400名优步司机提供了贷款,有时会以车为抵押品,或由相关租赁公司提供担保。点融网的机制相当灵活,司机可在不固定的期限内偿还贷款;技术也相当先进,以至于它可实时监控司机的收入。
“Soon companies like Dianrong will influence the price of wonton noodle soup, says a seniorHSBC executive based in Shanghai, with a mix of admiration and alarm. Dianrong is alsoleveraging its relationship with its lenders to offer them wealth management products.
“不久以后,点融网这样的公司将会影响馄饨面的价格,汇丰驻上海的一名高管带着钦佩和警告的口气说。点融网还在利用它与资金出借人的关系,向他们提供理财产品。
Mr Guo and others like him deny they are in competition with banks. Rather, they say theirclients use P2P lenders to establish credit records and then graduate to traditional loans. Butbankers, such as Piyush Gupta, the head of Singapore-based DBS, are developing digitalbanking strategies, both in their home market and in markets where they wish to expand, suchas India for DBS.
【中国合法P2P网贷的新机遇】相关文章:
最新
2020-09-15
2020-09-15
2020-09-15
2020-09-15
2020-09-15
2020-09-15