2023 has passed.
A new page has begun.
In the previous article, I originally interviewed some friends about their views on the credit industry, but because it was too real and scared some friends, I deleted it first. I'm sorry.
Many friends said that they still want to see the truth.
Leaving aside the big picture, it's not something I can say, I know.
Let's briefly summarize some of the more specific expectations......
In 2024, the cost of capital will still run at a low level, reducing the cost of the consumer finance industry to a certain extent. (Honest words from a person from a leading licensed consumer finance company).
In 2023, friends from banks, consumer finance companies, small loan companies, and loan platforms often mention three things to me: high risk, difficult collection, and many complaints.
For small and medium-sized consumer finance companies, private banks, and some urban commercial banks, it is difficult to do their own business, and the real profit focus still depends on cooperating with loan platforms.
But the asset side is crazy about the volume, the margin, the risk has not decreased, the margin can't be reduced, and the volume can't be. I can only watch the balance fall, which is a melancholy thing for many middle-to-tail consumer finance companies and private banks.
Measures for the Administration of Consumer Finance Companies (Draft for Comments) made mid-to-tail consumer finance companies panic, especially the point that "the balance of guarantee credit enhancement business shall not exceed 50% of the total loan balance", once again revealing that supervision requires all platforms to adhere to the belief that they can do a good job in self-operated business.
Some friends are worried that the supervision will also introduce relevant regulations for banks
Therefore, before the advent of the new regulations, it is particularly important to strengthen core capacity building, including customer acquisition capabilities, risk control capabilities, and collection capabilities.
A friend of a consumer finance company described the shortage of assets, the increasing difficulty of recovering payments, and the restrictions on the proportion of fixed income business as three mountains.
Now, many lenders are lending back at 36%, but consumer finance companies can't go down this path (although this is a high fixed income yield).
During this period, consumer finance companies should strengthen their independent risk control capacity and team building, and determine the company's strategic direction.
The proportion of fixed income is restricted, but there are countermeasures at the top, and there may be new forms of real fixed income to pretend that the capital is controlling the risk independently.
In fact, as far as a mutual golden goose knows, there have been many cooperation models between funders and loan platforms other than fixed income and profit sharing.
Interested friends can follow me, and I will continue to update this topic in the future).
It is said that it is more difficult to recover the money, and if you want to maintain profitability, the risk cost of consumer finance companies should not rise (pressure into the collection rate?This wants to reduce the pass rate, and it is difficult for the channel to agree;Or strengthen the depth of cooperation with channels, delineate the whitelist model lending, etc.), or raise the rate of return - membership fee service fee or do 36% and so on(Sincere words from a person in a risk position in a consumer finance company).
Under the tide of salary cuts and layoffs, the operation of existing customers needs to pay more attention to the changes in their income and work status, but the cost of this compliant data is high, licensed institutions pay attention to reducing costs, and the cost of third-party data continues to fall, which is especially serious in non-first-echelon companies, and if it is too short-sighted, it is also easy to have contradictions.
Therefore, another friend of a small loan company is also shouting: Can the ** of Baihang Credit and Pudao Credit be cheaper?
When it comes to small loan companies, there are also many friends who are waiting for 2024, will the official document of the Internet small loan management measures be implemented?
There are two camps on this issue, some friends say that there will be no more relevant policies for small loan companies, while the other camp thinks that it will be introduced soon.
Recently, there are indeed many signs in the microcredit industry: Ant Microfinance is gone, and some microcredit companies of group companies have also reduced their capital or even cancelled them directly, but there are also Zhongrong Microloans under ByteDance that have been approved to increase their capital to ...... 19 billion yuanGiant companies move frequently, and there is a high probability that there are some signs......
What do you think?
No matter how the market changes, you should still have the mentality of believing in the future, and then let's go on together!
Looking forward to the new year, complaints will be reduced, anti-collection intermediaries will be successfully cracked down, non-performing agencies will be reduced, and traffic prices will be reduced ......(A friend of a small loan company is sincere).
Happy New Year!This year, everything is going to be done!