Burn War! Financing largest Internet financial company TOP10i dark horse: since last year, when widespread penetration of Internet technology, traditional financial industry is undergoing tremendous changes: financial services institutions competed to become the major areas covered Investors \u0026 ldquo; money management \u0026 rdquo; righting, interest rate markets the process is speeding up in virtually; small and micro enterprises and to accelerate the demand for the release of personal consumption loans, showing a thriving finance market. With the continuous progress of reform huge dividends, as well as big data and cloud computing technology, the Internet is increasingly deepening of financial innovation. This year, investment in the Internet in the financial sector is showing explosive scene, almost every month to hear entrepreneurial companies to get ten million US dollars-level financing. Sequoia Capital, Northern Light Venture Capital, Legend of the Star, broadband Internet and other capital funds have the layout of the financial sector. Perhaps the next market capitalization of hundreds of millions, billions of the biggest names in children born in this industry; of course, who also said that bad, many who play at home is close big companies to hire, or will become Internet banking martyrs. At the same time, often innovative, high-risk people also hinted to the Internet may be hidden in a variety of financial worries. And most Internet banking finance company, will be able to last? In this context, i horse screened within the last year, the amount of financing of up to 10 Internet financial enterprises, but from the perspective of macro and micro analysis of two of its business model. Let us take a look, who can Swordsman NO.1 Everyone in this battle Credit Company Name:? Everyone Loan Business Partners (Beijing) Co., Ltd. Founder: Zhang timely, Li Xin He, Yang Yifu Region: Beijing financing rounds: A round of financing Amount: $ 130 million (about 796 million yuan) Founded: January 2010 all loans as the development of Internet-based network platform P2P credit, line on the site more than two years time, Its annual business scale of more than 100% of the rate rise. Everyone has a personal credit loans only, the current average loan amount per household is 30,000 -50,000. In the overall business, 70% of the telecommunications industry through cooperation with the Friends of the congregation, 20 percent is through cooperation with other Air Jordan 8 Retro agencies to cooperate, and the other 10% is to be authenticated by a remote audit. The central bank's credit report, identity information, job information, housing information, real estate and car production proof, are all loan-audit certificate. These users, all loans, often through cross-validation approach, to determine whether the user compliance, including the calculation of the user's debt ratio, combined with market interest rates, giving the user a loan amount in the safe range. Everyone prime borrowers average monthly cost of 1%, the annual interest rate is generally 12% or more. At present, all credit loans do firmly. Co-founder Yang Yifu representation, \u0026 ldquo; the future, in order to optimize the user experience, all the loan will go to help users get more investment channels, at some point in time does not exclude the introduction of very high quality, made possible with the current things that do not overlap entirely certain assets, but should not be short term. \u0026 Rdquo; NO.2 melt 360 Company Name: Beijing Century Information Technology Co., Ltd. Rong founder: Ye Daqing Area: Beijing financing rounds: C round of financing Funding: $ 60 million (about 367 million yuan) Founded: 2011 10 January thaw 360 is focused on the financial sector of intelligent search platform, to provide professional micro-loans to small businesses and individual consumers, credit cards and online search and apply for financial services, has nearly 10,000 cooperative financial institutions, Air Jordan 18 covering 30,000 models of financial products. Customers can melt 360 unique intelligent search, the matching system stop, apply directly to the optimal loan. Financial 360 does not just satisfied with the search, it is also expanding into the application link. With its co-founder and CEO 叶大清 Nike Lunar Haze saying, \u0026 ldquo; We want to apply across the board in the past mode, completely moved online to complete. \u0026 Rdquo; for banks, financial 360 is a fast customer acquisition channels, therefore, into 360 profit model is a cooperative financial institution upstream fees for SMEs and individual consumers for free. Ye Daqing said that although melt 360 aiming to become the Internet's financial industry \u0026 ldquo; Baidu plus Lynx \u0026 rdquo;, \u0026 ldquo; melt 360's role is to accelerate the banking sector to adapt to the Internet, to make products more efficient Nike Hyperdunk matching and user information more symmetrical. 360 is the bank's financial help, it can also be seen as a business outsourcing by banks, but not the insurgents. \u0026 Rdquo; NO.3 pat Credit Company Name: Shanghai pat Loan Financial Information Service Co., Ltd. Founder: Zhang Jun Air Jordan 18 Location: Shanghai financing rounds: B round of financing Amount: 300 million yuan Founded: June 2007 pat Credit is the first credit unsecured pure P2P network lending platform, but also the first approved by the business sector, access to \u0026 ldquo; financial information services \u0026 rdquo; qualified Internet banking platform. In addition to the ordinary loose standard investment projects, but also to provide users with a pat treasure, beat Andy Both portfolio tool, user-friendly. Compared with other domestic P2P platform, the most important feature is the use of pure pat loan online mode of operation, the platform itself is not involved in loans, but the implementation of information matching, tool support and service functions, the borrower's borrowing rate at the highest interest rate restrictions next, by their own set. And this is the P2P net loan platform, the most primitive mode of operation. NO.4 blocks box Company Name: Beijing happy and harmonious multi-source IT Ltd. Region: Beijing financing rounds: B round of financing Amount: $ 37.19 million (about 228 million yuan) on-line time: August 2013 2011, Dong Chun an EMBA at CEIBS, that time he was with a mind full of ideas of financial business, met like-minded partners in the communication, under hit it off, there is a building block of today's box. Blocks box business models early in the design, to emphasize the high quality and low risk, in principle, is not involved in financial transactions, does not participate in risk. This means that the building blocks of the box will be a pure-end trading platform, financiers and investors can be fair in the box on the blocks investment and financing transactions, and the building blocks of the box part of the service fee charged to benefit from. Blocks box funded by the regulators regulate remittance world, all items are made of quality guarantee company guarantees the principal and interest in full, and set up a security company + margin + risk pool Jinchi + mutual Jinchi of four protection mechanisms. NO.5 silver passenger network Company Name: Cheong Tai Investment Co., Ltd., founder of the industry: Linen Min Location: Beijing financing rounds: A round of financing Amount: millions of dollars Established: January 2012 silver passenger network development concept is everyone is a banker. Only four months on the line, silver off net turnover has exceeded 100 million yuan mark, as dozens of small and medium micro enterprises solve the operational financing needs. Currently, silver passenger network has been established by the China Financial Certification Authority (CFCA), the approval of the financial regulatory authorities of financing guarantee companies, small loan companies, a professional regulatory capacity of the storage company, a third-party custodian funds remittance world, etc. composed of \u0026 ldquo; Air Jordan 7 Retro silver passenger network security Aegis family \u0026 rdquo ;, and silver off the network's own risk control model, and establish industry-leading Internet financial Nike Hyperdunk security system. In October this year, silver passenger network to create innovative internet financial \u0026 Nike Air Presto ldquo; P2P + O2O \u0026 rdquo; pattern, Nike Shoes and Dehong Mans jewelry town signed an agreement to achieve online and offline integration of the Air Jordan 5 Retro closed-loop, open up the industry chain . NO.6 favorable net Company Name: Beijing Hong co Baiji information technology limited liability company operating Founder: Liu Yannan, appointment, Wu Yi Ran Location: Beijing financing rounds: B round of financing Amount: millions of dollars Established: 2013 March advantageous network is an innovative Internet financial site, its recommendation based on financial items microlending individuals. Netcom favorable to personal finance web platform users recommend safe, secured personal loan project finance loan users surplus, idle funds, the interest paid on a monthly basis to obtain a way to meet the financial needs to achieve 11% to 13% annual interest on income. Recommended microlending favorable net financial items all come recommended by the country's leading microfinance institutions. Currently, the network has been favorable with more than 20 of the country's most outstanding small loan companies have reached a strategic cooperation. Cooperating agencies will use its outlets all over the country to develop high-quality borrowers, and, after completion of the audit recommendation to the favorable network platform. All recommended by the cooperating agencies borrower's debt service schedule of principal and interest by partner agencies provide security. After receiving the recommendation of the loan project partner institutions, enabling network will use the world's largest credit approval service provider Fair Isaac (FICO) authorized personal credit check score card and policy engine, a second review of the loan project. NO.7 net loan eye in the sky Company Name: Beijing's Bank of Fortune Information Technology Co., Ltd. Founder: Tian-dimensional win, Hou Bin Location: Beijing financing rounds: A round of financing Amount: millions of dollars Founded: March 2012 When P2P net loan term is also known, net loan eye in the sky began to communicate with a number of P2P companies. It is concerned not only all loans, favorable net, should be letters and other well-known companies, as well as more developed by private lending, small loan companies, credit services and other grass-roots intermediary platform. Net loan eye in the sky is a forum of communication based on comprehensive data provided net loan, net loan information exchange platform and a series of functions and services, and to monitor the P2P platform operators for the purpose of integrated virtual communities and social networking platform. Currently, the net loan-to-day eye focus on two aspects of the work operations. First, to provide online Internet platform for P2P investors. Second, investment from the platform itself and the two dimensions of data Air Jordan Others to gather information to help investors who do screening platform in an effort to solve the information asymmetry between the platform and the investors. Net loan rating and risk eye in the sky not ruled only risk identification, so that investors themselves screened. NO.891 Finance Company Name: First-Year Branch (Beijing) Technology Co., Ltd. Founder: Xuze Wei Location: Air Jordan 19 Beijing financing rounds: B round of financing Amount: 200 million yuan Founded: November 2011 91 Financial is an online financial product shopping guide and sales platform, available through computers, mobile phones APP, 400 telephone channels of financial consumer financial products, compare purchase recommendation, consumer decision making as well as the direct purchase of other services. Financial products to help Chinese consumers with fast, low-cost access to financial products for their own, and enjoy the process of consumption 7 * 24 hours, free of charge, customized advisory services. \u0026 Ldquo; 91 financial supermarket \u0026 rdquo; has everything financial products to solve problems like financial services comparison, brought together the largest financial institutions and preferential channels. You can open the link, use more than 20 kinds of special calculator, to solve computational problems. Product design is based on the user to consider, calculators covering financial services, including mortgage plan, a tax calculator and more. \u0026 Ldquo; 91 financial supermarket \u0026 rdquo; increase the user's social experience, to achieve a cross-screen use: Air Jordan 6 not only can be accessed through the website, you can also complete the operation by phone APP directly on the phone, through microblogging, letters and other social networks is completed. NO.9 microfinance network Company Name: Hangzhou Rui Extension Technology Co., Ltd. Founder: Yao Hong Location: Hangzhou financing rounds: A round of financing Amount: 100 million yuan Founded: July 2010 microfinance network focused on the automobile mortgage segments, in order to resolve P2P car mortgage lending problems. Exclusive pioneered microfinance network \u0026 ldquo; car mortgage lending Franchise \u0026 rdquo; pattern, to achieve the borrowers, investors, microfinance headquarters, franchisees Quartet win. In order to standardize the management, franchisee as a service port, only the business development function, the headquarters will expatriate customer service for business processes and standardize operations, risk control and finance the entire output from the headquarters, headquarters to facilitate centralized management. Microfinance network customer base is mainly owned vehicles of individual industrial and commercial households and small businesses, the group taking the pledge or mortgage the way to the vehicle microfinance borrowers, mainly used for temporary working capital. Up to now revolving loan microfinance networks, an effective solution to the financing of small and micro enterprises just, say the Internet can benefit the development of financial innovation inclusive finance. NO.10 melting point network Company Nike SB Name: Shanghai spot Rong financial information services limited liability company founder: Su Haide (Soul Htite), Guo Aerospace Location: Shanghai financing rounds: B round of financing Amount: millions of dollars Established: March 2013-point financial network is the P2P industry \u0026 ldquo; one of its founders, a rising star \u0026 rdquo ;, is co-founder of the world's largest online lending platform Lending Club, thus melting point network directly introduce advanced technology and management Lending Club experience, combined with a number of commercial banks in China seven years of loan data for risk control model for a new research and development. In order to protect investors' money safe, melting point network to provide 100% principal protection mechanism. Investors can search and browse a list of online loans melting point. By viewing spot verification audits of financial net loan information, investors can choose to invest in the project and enter the amount of investment loans. Investors can also specify the expected return and choose to invest in the financial network point recommended portfolio diversification through volume to multiple loan programs to reduce investment risk. Currently the average expected annual earnings platform for between 14 and 17 percent. The borrower may submit relevant material through the fill in personal information and online loan applications at the point of melting. Current borrowings may apply between 2500-2000000 yuan, for a period of three months to 18 month range, and provide equal principal and interest monthly repayment also interest to maturity in two ways. After the application is submitted, the point will be based on the financial net borrower's loan amount, loan purpose, credit history and financial status select the most creditworthy borrowers to protect, and assign the appropriate credit rating and borrowing rate for the loan project (APR 9.49 % - 23.99% between). This article i dark horse All rights reserved Please indicate the source, tort reserved.