What is a loan supermarket?
The so-called loan supermarket is a platform for the aggregation of loan products, just like supermarkets can purchase all kinds of goods, where they can choose loan products. The loan supermarket has the following characteristics:
First, the threshold is low and profiteering.
Second, there are many sources of income.
Second, the competition is great, and tens of thousands of loan supermarkets staged a cash loan platform harvest war.
How is the loan supermarket profitable?
For example:
Kexin is trying to streamline this industrial chain. She called 65,438+00 people, each responsible for three accounts, to build her account matrix. In many offline stores, as long as users use QR code to scan and pay, they will be forced to pay attention to some WeChat service numbers, and these accounts will also become loan supermarkets. Any place with traffic can become a loan supermarket, but you can't think of it and you can't do it.
Kexin said that in the cash loan industry, there is an important internal diversion model, called inter-bank cooperation, or single-selling. Basically every cash loan will be done. According to industry insiders, good traffic is used by yourself, and bad traffic is dumped.
If the user fails to pass the examination, he will see the prompt of reapplying, click in and jump to a loan supermarket. This approach is based on two considerations. On the one hand, the loan is directly refused, and the user experience is not good; On the other hand, diversion to other platforms can earn some fees and balance their own flow costs.
Advantages:
The loan supermarket is harvesting the profits of the cash loan platform. Generally, there are two ways to cooperate with loan supermarkets, one is CPA and the other is CPS. Certified public accountants shall settle accounts according to registered users; On the other hand, CPS is settled according to the loan amount. Either way, the customer acquisition cost of cash loans is close to that of 200 yuan, and the profit of users' first loan is almost absorbed. Nowadays, cash loans can only be refinanced by users (borrowing money on the same platform and then borrowing it).
Trend:
Many loan supermarkets have also begun to make cash loans. Many cash lending platforms have found that once the traffic partners turn around and change, they become competitors. Loan supermarkets need to constantly find new platforms to settle in in order to survive; If there are 6.5438+0 million users, but the number of cash loan companies is particularly fast, the number of registered users in the first month is 6.5438+0 million, and in the second month, it will become hundreds of millions in a few months. At this time, all my users are registered, and I will keep going to the new platform.