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中国P2P的规模化任重道远 技术替代人是必经之路
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BTC-zhanjiang
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中国P2P的规模化任重道远 技术替代人是必经之路
April 16, 2015, 01:22:23 AM
#1
中国P2P企业未来体量能做到多大规模?在突破发展瓶颈方面,美国的同行有哪些值得借鉴的地方?规模化,或是一种必然要求,而规模化的一个必经之路就是,要用技术替代人,进行借款端的审核。
在近日召开的全球顶级P2P网络借贷行业峰会LendIt 2015上,来自Lending Club(下称:LC)、Prosper、Lending Tree、Credit Karma以及高盛集团等多家知名机构的代表,就“消费金融和规模化”这一话题展开了讨论。
他们对规模化带来的收益和价值,都给予肯定的答案,同时,还就要做到规模化所需的努力以及所面临的挑战,分别发表了看法。
美国P2P平台的两大巨头LC和Prosper,是规模化的受益者。
LC的代表(该公司COO Scott Sanborn)称,规模化是他们能够与大银行合作的重要基础,但是,这个过程他们也走了很多年。
Prosper的代表(CEO Aaron Vermut)提出,要实现规模化,要从硬件上和软件上做彻底的、重构式的变革才能实现,而这个过程是艰辛的。他们这些年,通过收购各种专业公司来实现不同细分领域的优化,以达到更好的规模化。
在技术上,LC的代表也表示,他们通过不断树立核心业务与技术团队的紧密结合,实现更好的工具化、自动化,从而达到更好的规模效应。
人员结构上,Prosper的代表表示,他所在的公司就是通过引入新的CEO和CFO等高管团队来实现团队组织架构的优化,这一举措也为他们实现更好的规模化打下了基础。
此外,还可从底层架构着手,推动内部分享、建立良好的沟通机制、利用各种数据进行推理分析。
来自老牌机构Lending Tree的代表,介绍了早在1996年,他们就尝试通过yahoo进行线上推广,当时的单个客户的获取成本是1美元,但是精准度不高,用户质量较差。而现在实现规模化后,他们在线推广可以实现更加精准的投放,得到更高的转化率。
他也认为,规模化的一个必经之路就是,要用技术替代人。
对此,网贷之家CEO石鹏峰认为,美国的P2P市场比中国成熟很多,虽然中国的体量比美国大,但是,在规模化上,与美国的差距还是非常大的。
“可以看出美国的P2P企业,已经走在前面,从技术升级到组织架构优化,从简单粗放到不断精细化、自动化,这是一种方法论的总结与提升,是一种更加可持续、可验证、可信赖的发展模式,值得中国的P2P企业思考与学习。
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