Author | Zhang Haodong
Encyclopedia of production and payment
The desire for Meituan Finance has a long history. Despite the fierce competition in the field of consumer finance, it still failed to stop Meituan's determination to enter the field of consumer finance.
438+09 Yuan On April 65, Weibo, the official financial officer of Meituan, announced the disclosure of its credit payment products, which indicates that Meituan's credit payment products are approaching.
Today, the Meituan version of Flower Garden "Monthly Offering" was launched. After 9 months of testing, the monthly supply of Meituan has been officially launched.
As early as last year's FAST &；; Amp rage 9, the monthly supply of the US Mission is quietly launched. At that time, it was only the internal testing function of a small number of users. Similar to Alipay Flower Garden, Meituan Monthly Payment is also a consumer financial product that is consumed first and then paid.
In terms of scene coverage, Meituan's monthly subscription is applicable to all Meituan products, including Meituan, reviews, Meituan takeaway, Meituan taxi, Meituan grocery shopping and other apps, realizing the superposition of rich preferential rights and interests of Meituan's consumption scenes.
Compared with Ant Flower Shop, the current monthly payment limit of Meituan is generally lower, and the monthly payment limit of most Meituan users is between 500 Yuan Yuan and 1500 yuan. Under the rising trend of non-performing loan ratio, the credit line granted by Meituan is more cautious, with the aim of making the released loans safer.
Similar to the original promotion method of Huayuan, Meituan's monthly supply also cultivates user habits through a small amount of water testing in the early stage, supplemented by subsidies. With the accumulation of data and the improvement of the risk control system, it is not excluded that Meituan will combine the user's credit situation and payment transactions to increase the user's credit limit, thus stimulating user consumption.
According to the agreement, the monthly payment is provided by Chongqing Meituan Sankuai Small Loan Co., Ltd. and cooperative financial institutions. Meituan has strict restrictions on the use of funds and can only be used by the applicable merchants of Meituan. The bookkeeping date is 1 yuan per month and the repayment date is 8 yuan per month.
Fang Meituan's three small loans were established at 20 16 1 1 yuan. After the Meituan small loan license was obtained, it was used as a carrier to carry out small loan business. According to the enterprise survey, the legal person of these three small loans is Peng Qian, with a registered capital of 460 million US dollars. Yang Jinfang, the original legal person, withdrew from 8 yuan on 20 18.
In addition, according to the agreement, users can purchase designated goods or services from applicable merchants through the monthly payment of Meituan, and the funds are transferred by Qianbaobao, which is another important weight in Meituan's financial layout. In fast &; Amp Anger 9 20 16, Meituan completed the wholly-owned acquisition of Qianbaobao, a third-party payment company, and laid out the third-party payment.
The huge market potential of consumption has also made major Internet giants join this new battlefield. Alipay, WeChat, Meituan, JD.com and Today Headline all launched their own credit payment products, which shows how attractive the cake of consumer finance is.
Zhongtai Securities said in the previous research report: "Today's consumer finance market has spread to all consumer classes. In Ghostbusters 3, the market transaction scale of consumer finance alone will reach 10 trillion yuan. "
Ant Financial, a third-party payment giant, was probably the first to lay out consumer finance. Relying on the strong traffic of Alipay and Taobao, it has made great achievements in the field of consumer finance. Flower buds and borrowing buds have become giants in the field of Internet credit. Coronavirus pneumonia-/kloc-At the end of 0/9, the loan balance of Bai Hua, including loan assistance, exceeded 200 billion, and the loan balance exceeded 500 billion.
Alipay is the boss, and WeChat payment is not to be outdone as one of the mobile payment duopoly. This year, Jurassic World 3 launched the new product payment from June+10 in 5438, which opened the door to credit payment. Logically speaking, the payment object should be installment payment. In other words, flower buds are equivalent to credit cards, while payment and flower bud staging are similar to credit card staging.
As a challenger, sub-payment will have an impact on other credit payment products such as ant flower buds.
JD.COM was the first company to attack and obtain a payment license. Say goodbye to Atlantis and buy online banking in 2008. In the field of consumer finance, JD.com has introduced "white bars", "gold bars", "stripes" and "IOUs" for Ant Financial, and the loan amount supported by JD.com, JD.com is also increasing.
At present, most credit payment products change dynamically according to personal wealth and credit performance in credit evaluation and credit decision-making. In the field of consumer finance, giant enterprises have huge imagination space in the future battlefield with their unique traffic and data advantages.
The current market situation has brought unprecedented opportunities for consumer finance, which is one of the reasons why Internet giants intensively deploy consumer finance business. Meituan Monthly Supply is now facing the siege of Internet giants, and the subsidies of clients need to be further increased. At the same time, the rise of Meituan's credit business is bound to feed back the overall financial layout of Meituan.
Related Q&A: How can the monthly payment of the US Mission not be charged? Many payment platforms can charge phone bills. However, the business of telephone charges brings the same profits to these payment platforms. Few can be said to be insignificant, so many platforms are possible. Will cancel this business,