$趣店(QD)$监管_老虎社区_美港股上老虎

炒股不适合我
2017-11-06

$趣店(QD)$监管政策可能对趣店的影响不是简单的认为，提高准入门槛，留下的头部就以比以前规模更大，发展的更好，国家希望发展的是普惠金融，不是高利贷，对放贷利率的控制及资金来源的监管，都会大幅降低利润，如果再对贷款用途做限制，业务都会受到很大影响，另外趣店的信用记录都是给到支付宝的，支付宝对趣店开放的仅仅是一个评估结果，也就是趣店是在为支付宝积累数据，好的用户就会自然过渡到利率更低的借贝和花贝，支付宝虽然提供了免费的流量，但因为和借贝和花贝竞争，毫无优势，趣店的业务模式能否一直持续也不是确定的，趣店已经在开拓汽车金融市场，应该是在应对监管后转型准备，另外每月要借几百块钱的人，绝大部分应该还是大部分学生吧

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T459765
·2017-11-06
汽车金融？他有流量入口吗，支付宝会把这一块肉给他？
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- T459765:
  汽车金融你觉得有多高的利率？买车不属于学生党刚毕业的，没这么多傻傻的
  2017-11-06
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- 炒股不适合我:
  罗擅长地推，现在就在招地推干部储备人员
  2017-11-06
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AceLin
·2017-11-06
普惠金融是啥你心里没数吗？普惠这个事儿国家银行不去做让互联网公司做？继续空
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冷静抄底不追高
·2017-11-06
26.5开始空
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体彩实体店代购
·2017-11-06
说的好，继续空
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