"fish pond", export business as content to the fish pond, to the fish. The pond provides nutrients. Based on user identification, behavior analysis and customer marketing, the fish pond also guides users to the trees beside the fish pond in the reverse direction, forming a virtuous circle and mutual benefit. Status, goals and gaps 1. Gap In the last book, we mentioned that there is a big gap
between licensed consumer gold and Ant Borrowing in terms of profitability, capital utilization, number of customers, and risk control capabilities, and came to a conclusion that sounds exaggerated but does exist. : To bundle up 10 licensed consumer finance companies is no bigger than an ant to borrow . We also compared the top licensed consumer gold companies with Ant Borrowing. Among licensed consumer gold companies, the profitability indicators (loan balance), development indicators (user scale) and profit and loss indicators (risk control ability) are at a disadvantage.
After a little inference, the remaining licensed consumer finance companies in the middle and lower reaches are bound to have a bigger gap than Ant Borrowing. 2. Goals The goal may be simple. As a business enterprise, we must first and foremost survive .