Network car finance model

On April 11th, a piece of news appeared in China Science and Technology Finance, which had been silent for a long time. Recently, Didi Financial Services launched a one-stop "online taxi finance" service platform "Quanju" system. As a leading enterprise in China, why is the' network car finance' business initiated by Didi worth looking forward to?

First, the financial era of online car ride started by Didi

This system has several very obvious characteristics:

First, all participants in the service industry. Didi's financial service system has begun to provide services for car rental companies. The system can effectively reduce the labor cost of car rental companies, thus providing sufficient financial technology support for all parties in the industry.

second, the products are diverse. Didi's financial services are launched on Didi Travel products, covering insurance, wealth management, payment and other products suitable for passengers and drivers. Such services are provided to users on the platform. This' whole orange' system is a global product that effectively opens up various services and provides all-round capital and asset services for all parties in the platform industry chain.

third, the data base is solid. At present, the overall service number of Didi Travel Platform exceeds 55 million, and more than 3 million drivers and car owners have the opportunity to flexibly obtain income on the platform. A large number of users have provided a large number of data assets for Didi, which has become an effective basis for the development of its financial business. The essence of the financial logic of the network car is that data and scene risk control have a leading edge, which can open up data, scenes and industries.

It can be said that Didi has opened an era of online auto finance in China, so what is the logic of online auto finance market? Why is online auto finance a brand-new blue ocean in technology and finance?

second, what kind of blue ocean is online auto finance?

Since mid-218, bad news has been coming out in technology and finance, and many Internet finance companies have problems, so that the industry has even fallen apart. Everyone is wondering, where is the future of technology and finance, China? In fact, the online car finance initiated by Didi is giving us all a different perspective, that is, online car finance may be an important pilot of technology and finance, and Didi may really take a different path in technology and finance.

first of all, what is the logic of Didi online auto finance itself? In fact, the essence of Didi Auto Finance is the advantages of data and scene risk control. In particular, the loans that were missing in the previous industry, relying on the risk control of operational data, can pre-identify and reduce risks, realize the closed loop of repayment funds, and truly reflect the asset advantages of scenario finance.

From the scene, online car finance has built a very clear scene financial system, covering three major markets: travel market, automobile market and consumer market. The prospect of financial logic covered in it is very clear. The so-called "financial industry is unstable without industry, and industry is not strong without finance".

first, the auto finance market is vast. In the financial field, auto finance has always been the best financial market. Because of its large volume, high unit price and strong financial demand, most automobile companies have very clear financial needs. Therefore, as early as the last century, auto finance has become the business focus of many well-known auto giants, so that, like General Motors, it will be called General Finance Auto Company. At the same time, a large number of car rental companies also have very clear capital needs in the process of business development. Together with auto companies, they are users of Didi, a leading online car rental company. Therefore, Didi provides services for them through its own financial technology advantages, which not only has a clear direction, but also has stable demand, few competitors and obvious differentiated competitive advantages. It can be described as a huge blue ocean.

Didi, as an Internet technology company with advanced technology advantages, has huge room for expansion. In the future, it can provide diversified scientific and technological services for participants in the automobile industry, reduce the research and development costs of the traditional automobile industry, improve the professional level of automobile finance, and make it easy for participants in the automobile industry to realize financial networking. This part was previously explained by Didi's' torrent' system.

Take the car rental industry as an example. Under the whole orange system, car rental enterprises can provide financial leasing services at a lower cost, further expand their financial strength, reduce risks and increase profits through economies of scale, thus giving car rental enterprises more room for market adjustment.

second, the derivatives of tourism finance are better. Today, when the automobile market is relatively depressed, almost all automobile manufacturers have turned their attention to the online car market. Geely launched the Cao Cao special car, the first car launched the first car about the car, and SAIC launched the Xiangdao trip, which can be described as a group of dragons gathering the network about the car. In fact, from the perspective of fundamental logic, today, when the entire automobile sales market is not very prosperous, online car rental has actually become an important channel for most automobile companies to digest their own production capacity. In this context, with the comprehensive and compliant development of the market, many car rental companies have the need to replace compliant vehicles and new energy vehicles, which provides a lot of market demand for the online car rental financial market. In this regard, the lack of traditional financial services has also left a lot of market space for online car companies such as Didi to intervene in the market.

At the same time, Didi, as the largest service provider in the field of online car rental in China, has the widest user group of online car rental drivers. These groups have huge needs from payment to credit, insurance to financial management. Compared with commercial banks' ignorance of the income of online car drivers, Didi can be said to accurately grasp the user data of 3 million drivers and car owners. After data desensitization, risk control and demand analysis can be effectively realized through big data analysis, thus having a more accurate market advantage than traditional financial institutions such as commercial banks.

thirdly, the financial market for used cars is huge. With the rapid development of new energy vehicles in China today, the residual value of new energy vehicles is too low, and the long-term depreciation of used cars is serious. However, as far as the online car market is concerned, new energy vehicles are relatively compliant vehicle types. Network car companies can operate online carpooling of new energy vehicles through financial services, so that cheaper second-hand new energy vehicles can provide higher positive cash flow for the market, which not only improves the asset preservation and appreciation ability of new energy used cars, but also makes the financial leasing business have greater development prospects and lower market risks.

fourth, the consumer finance market has obvious advantages. As mentioned earlier, Didi Travel Platform has served more than 55 million users, and online car travel has become the daily travel habit of most people. As an important scene of people's daily consumption, Didi actually has obvious advantages in behavioral data analysis. Through the analysis of big data and artificial intelligence, users' financial needs can be better analyzed and synchronized to the financial institutions that Didi Platform cooperates with. When users need their own financial services, Didi can reach users more accurately, helping users and financial institutions to match and dock their needs.

thirdly, a new model is worth looking forward to for the financial industry. In fact, many problems in the development of technology and finance in the past, in a sense, were caused by the separation of finance from the actual scene. Because many businesses of Internet finance lacked the actual scene, they became the virtual financial idling of financial service providers themselves, resulting in a large number of risk events. For technology and finance, only financial products closely combined with the scene can truly serve the real economy. Didi's online car-hailing financial model has undoubtedly achieved this. If this model is proved to be successful, it will undoubtedly provide a brand-new possibility for the development of technology and finance industry in China.

Didi's online car finance has a broad prospect at present, depending on how to promote it. After all, the "spiral growth" industry is much more than the linear growth. Related questions and answers: Is Didi Finance off the shelf? Off the shelf. After all, Didi is suspected of leaking user privacy data and national road data due to its listing in the United States, and is being reviewed by the National Network Information Office in conjunction with the seven departments of the Ministry of National Security, the Ministry of Public Security, the Ministry of Transport, the Ministry of Natural Resources, the State Administration of Taxation and the General Administration of Market Supervision. All of its 26 apps have been removed. 1. Didi Finance currently supports 1 banks, including the four major state-owned banks, all of which have quotas, of which the least is China Everbright Bank, with a quota of 5, yuan per day in 8 yuan. The limit of other banks is basically 1, to 5, yuan per transaction and 5, yuan per day. 2. January 2, 219 On January 2, Didi's "Financial Services" channel was launched in a low-key manner on the Didi product side. This is the first time since the establishment of Didi Finance Division in 218 that the product sector has been presented externally. From Didi's "Financial Services" page, we can see that the products that have been launched at present include a major disease mutual aid product called Didi Mutual, a serious illness fund-raising product called Didi Help, and health insurance, wealth management, auto insurance and other sectors. Didi Financial Services Division was established in early 218. The team is committed to building a financial technology service platform to provide safe and reliable financing, insurance, payment, wealth management and other diversified services for drivers, passengers, partners and other travel eco-participants in Didi Travel System. Relying on the travel ecology and strengthening the data risk control ability, it aims to make financial technology benefit more scenarios. 3. As can be seen from the Didi Chuxing Financial Services page, Didi Financial Services is building a three-dimensional "service" pyramid, which gradually covers the security and credit financial products needed by Didi drivers, passengers and partners. For drivers and passengers who are closely related to the travel ecology, at present, there are "mutual" products and personal help-seeking products, while the "drip medical insurance" module splits the critical illness insurance products paid annually, reducing the entry threshold and achieving more coverage. For flexible employees, this kind of "light access" security products can lower the entry threshold and improve the family security coefficient.