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Traffic Loan PK Alliance Loan Ali and Baidu Department of the King
Among all commercial loans, traffic loans are a rather special existence. The innovation is that a loan company or individual can apply for a non-financial payment based solely on the traffic of their website. For an entrepreneurial website, this move is like a slap in the face.
Baidu, one of the three BAT giants, took the lead in targeting this segment. In August last year, it launched a financial service product called “Linked Loan”, which issued credit loans to applicants based on factors such as traffic size. In 2015, Zhejiang Online Merchants Bank of Alibaba's Ant Financial Service has taken the wind and announced that it has cooperated with CNZZ, the world's largest Chinese website traffic statistics agency, to launch a credit product for small and medium-sized entrepreneurial websites. A war without smoke is officially pulled up. Who can pick the crown of the king in the field? After reading the analysis of the following dimensions, I must have a clear understanding.
Baidu Union Loan
First, the background strength
Alliance Loan: Backed by Baidu's Baidu Alliance.
Flow Loan: It is the product launched by Zhejiang Netcom Bank, which is owned by Alibaba's ant Jinfu.
Xiaorong Comments: The battle for BA in the field of traffic loans.
Second, product features
Alliance Loan: Issue credit loans to applicants based on multiple evaluation criteria such as length of cooperation, traffic size, and monthly income.
Traffic Credit: All applications, approvals, and loans are completed online.
Xiaorong Comments: The same Internet gene, there is little difference in the loan process.
Third, the application object
Alliance Credit: In the past six months, partners who have a monthly average of more than RMB 5,000 through the Baidu Alliance can apply.
Traffic Credit: An individual or company that has a registered domain name, has traffic statistics on the CNZZ platform, and has a good credit history.
Xiaorong Comments: Alliance loans are only for Baidu alliance partners, which have certain limitations, but at the same time give alliance partners more superiority; the spread of traffic loans is wider, which can also give a glimpse of the ambition of online merchant banks. .
Fourth, the loan amount
Alliance loan: The maximum amount can reach three times the total amount of the entire month in the last month. The first batch of credit loans totaled 200 million yuan, and the amount of a single loan can be as high as 10 million yuan.
Traffic credit: 2,000 yuan to 1 million yuan, the first batch of credits total amount of 10 billion yuan.
Xiaorong Comments: From the first batch of credits, traffic loans are obviously an order of magnitude higher.
V. Term of loan
Alliance Loan: A 1-3 month period, a short-term credit loan product.
Traffic Credit: The maximum loan period is one year.
Xiaorong Comments: In the loan term, the alliance loan is short-term emergency, and the loan time limit for the flow loan is longer, up to one year.
6. Loan interest rate
Alliance loan: annual interest rate between 12%-18%
Flow credit: The daily interest rate is 4.5 per thousand (annual interest rate is about 16.2%)
Xiaorong Comments: The annual interest rate of the loan of the alliance loan fluctuates between 12% and 18%. If the minimum interest rate can be applied, it is more cost-effective than the 16.2% of the traffic loan.
Seven, repayment method
Alliance loan: pay back the loan once a month. (At the current month interest = loan principal × daily interest rate × occupied days)
Traffic Credit: The borrower can choose to pay the same amount of principal in 12 months, or repay the loan at any time without any handling fee or service fee.
Xiaorong Comments: The alliance loan is repaid at a time, and the monthly interest payment method will be more abundant for the lenders during the loan period, but the policy of free repayment of the flow loan in advance is quite humanized, and each has its own merits.
Rong 360 general comment:
Through the above comparison, it is not difficult to see that Baidu's “Affiliate Loan” is more like a narrow-minded product. The loan target faces Baidu Union's cooperative merchants. The loan time limit is short, and the longest is only 3 months, which is suitable for short-term urgent needs. For customers with cash flow, the loan annual interest rate is at least 12%, which is relatively cost-effective. The “traffic loan” of the online merchant bank is aimed at a wider population. It opens the door to more enterprises and individuals. Anyone who has a registered domain name and has traffic statistics and good credit on the CNZZ platform can apply. Secondly, The loan quota is relatively large, ranging from 2,000 yuan to 1 million yuan, which can be taken in different situations. In addition, the loan term is up to one year, which can provide medium- and long-term support for entrepreneurial enterprises. Finally, in repayment The way is to provide free humanized design in advance repayment, flexible and close to the people, in line with the consistent temperament of Alibaba's domestic Internet giants.
So in summary, Baidu's alliance loan, if you want to kill a day, just take the position of the industry's first traffic loan products is definitely not enough, open up more customer groups, let go of the loan duration limit, can Really solve the urgent needs of the entrepreneurial website, otherwise, you can only watch the up-and-coming traffic stream to seize the position of the hegemony.
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