According to the data of 20 14-20 18 China pawn industry market prospect and investment strategic planning analysis report, as of the first quarter of 20 13, the pawn industry suffered losses, accounting for 36.9%, up 4.6% year-on-year; The losses of all loss-making enterprises totaled 200 million yuan, up 19.2% year-on-year. The loss and loss of the industry have expanded compared with the same period of last year. Losses in various places continued for half a year, and even increased.

At present, the individual profits of pawn enterprises vary greatly, and the customers they serve are mainly small and medium-sized enterprises, which is relatively risky; In addition, in recent years, microfinance companies, P2P peer-to-peer lending, guarantee companies and commercial banks have vigorously promoted the supply chain finance business, sinking channels to SMEs; All these pose a great threat to the pawn industry.

Statistics show that by the end of June, 20 13, there were 7,086 microfinance companies in China, with a loan balance of 704.3 billion yuan. In the first half of the year, new loans were 1 12 1 billion yuan. The transaction scale of peer-to-peer lending increased from 200 million yuan in 2007 to115.82 billion yuan in 2007 and reached 22 billion yuan in 2006. The financing balance of commercial banks' supply chain finance business in 20 1 1 year reached 5.75 trillion yuan. On the other hand, in the pawn industry, at the end of July of 20 13, the national pawn business balance was 68 1. 1 100 million yuan. As the originator of the financial industry, it is only higher than the peer-to-peer lending industry developed in 2007.

Compared with other competitors, the biggest problem in the pawn industry is that there are too few outlets, it is difficult to operate across provinces, and the business is too concentrated in first-and second-tier cities. What's even more worrying is that almost all pawn industries take real estate pawn as their main business, with serious homogenization competition and high market risk.

At present, the connection between the pawn industry and the internet is mainly the sale of unique things. Absolute goods mall has absolute price advantage and related appraisal certificate, which is favored by many buyers. Its products are mainly luxury bags, gold ornaments and brand-name watches, lacking front-end business.

Perhaps the pawn industry can consider truly connecting with the Internet, and it can also try to cooperate with third-party logistics institutions or banks in addition to door-to-door collection. Make full use of the advantages of its outlets, implement online audit, issue loans online, and keep the corresponding items by banks or logistics institutions, and regularly recycle unqualified items.