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:积木盒子创始人董骏:挤破脓包,行业发展才能步入正轨

来源: 南方日报网络版     时间: 2018年10月24日 08:47:58
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(原)(标)(题)(:专)(访)(:积)(木)(盒)(子)(创)(始)(人)(董)(骏)(:挤)(破)(脓)(包)(,行)(业)(发)(展)(才)(能)(步)(入)(正)(轨)(
作)(者)(:吴)(忌)(
来)(源)(:独)(角)(金)(融)(
近)(期)(以)(来)(,P2P行)(业)(出)(现)(了)(一)(些)(波)(动)(,不)(少)(平)(台)(爆)(雷)(跑)(路)(,就)(连)(一)(些)(上)(市)(系)(、国)(资)(系)(等)(具)(备)(良)(好)(背)(书)(的)(平)(台)(都)(没)(有)(幸)(免)(。然)(而)(,P2P网)(贷)(作)(为)(一)(个)(出)(现)(才)(刚)(刚)(十)(余)(年)(的)(新)(兴)(行)(业)(,在)(监)(管)(加)(强)(之)(后)(,一)(些)(打)(擦)(边)(球)(的)(问)(题)(平)(台)(退)(出)(是)(优)(胜)(劣)(汰)(的)(过)(程)(。业)(内)(普)(遍)(认)(为)(,在)(“挤)(泡)(沫)(”过)(程)(中)(,真)(正)(坚)(持)(诚)(信)(、合)(规)(、加)(强)(风)(控)(、保)(证)(资)(产)(端)(质)(量)(的)(P2P平)(台)(还)(是)(会)(生)(存)(下)(去)(,并)(且)(在)(未)(来)(会)(获)(得)(比)(之)(前)(更)(大)(的)(市)(场)(空)(间)(和)(机)(会)(。
积)(木)(盒)(子)(自)(2013年)(8月)(上)(线)(起)(,已)(经)(运)(营)(5年)(时)(间)(,到)(现)(在)(已)(经)(成)(长)(为)(行)(业)(内)(头)(部)(平)(台)(之)(一)(,在)(网)(贷)(之)(家)(6月)(份)(评)(级)(中)(名)(列)(第)(七)(。而)(当)(年)(与)(积)(木)(盒)(子)(同)(时)(起)(步)(的)(公)(司)(,有)(很)(多)(已)(经)(退)(出)(了)(市)(场)(。对)(于)(行)(业)(形)(势)(,对)(于)(平)(台)(5年)(稳)(健)(运)(营)(的)(心)(得)(,以)(及)(行)(业)(未)(来)(的)(发)(展)(,积)(木)(盒)(子)(创)(始)(人)(董)(骏)(在)(近)(日)(对)(独)(角)(金)(融)(袒)(露)(了)(5年)(来)(的)(心)(路)(历)(程)(。
行)(业)(波)(动)(之)(下)(该)(怎)(么)(做)(?
在)(董)(骏)(看)(来)(,行)(业)(的)(波)(动)(应)(该)(理)(性)(看)(待)(。近)(期)(行)(业)(总)(体)(的)(成)(交)(量)(虽)(然)(有)(所)(下)(滑)(,一)(段)(时)(间)(内)(整)(体)(规)(模)(会)(有)(所)(压)(缩)(,但)(是)(从)(长)(远)(的)(角)(度)(来)(看)(,单)(一)(客)(户)(过)(度)(信)(贷)(、期)(限)(错)(配)(等)(在)(具)(体)(操)(作)(中)(的)(违)(规)(行)(为)(,很)(容)(易)(造)(成)(风)(险)(的)(积)(累)(,因)(而)(这)(种)(调)(整)(也)(是)(必)(不)(可)(少)(的)(一)(个)(过)(程)(。只)(有)(挤)(破)(脓)(包)(,行)(业)(的)(健)(康)(发)(展)(才)(能)(够)(步)(入)(正)(轨)(。
任)(何)(事)(物)(发)(展)(的)(根)(本)(原)(因)(一)(定)(是)(出)(自)(内)(部)(,爆)(雷)(跑)(路)(平)(台)(出)(了)(问)(题)(,归)(根)(结)(底)(还)(是)(底)(层)(资)(产)(出)(了)(问)(题)(。如)(果)(能)(够)(保)(证)(底)(层)(资)(产)(扎)(实)(,即)(使)(遇)(到)(行)(业)(的)(波)(动)(,问)(题)(也)(在)(可)(控)(范)(围)(之)(内)(。进)(一)(步)(来)(说)(,行)(业)(波)(动)(的)(情)(况)(持)(续)(发)(展)(,对)(于)(底)(层)(资)(产)(扎)(实)(的)(平)(台)(来)(说)(,主)(要)(可)(能)(带)(来)(两)(方)(面)(的)(问)(题)(。其)(一)(是)(由)(于)(产)(品)(标)(的)(与)(资)(产)(确)(实)(存)(在)(一)(一)(对)(应)(的)(关)(系)(,在)(行)(业)(整)(体)(规)(模)(压)(缩)(的)(情)(况)(下)(,没)(有)(足)(够)(的)(流)(动)(性)(资)(金)(来)(支)(持)(新)(产)(品)(的)(开)(发)(;其)(二)(是)(长)(期)(的)(行)(业)(波)(动)(,可)(能)(会)(让)(平)(台)(的)(品)(牌)(和)(投)(资)(人)(的)(信)(心)(,甚)(至)(团)(队)(的)(信)(心)(遇)(到)(挑)(战)(。不)(过)(,对)(于)(踏)(实)(做)(事)(的)(平)(台)(来)(说)(,这)(都)(属)(于)(可)(控)(范)(围)(之)(内)(。
以)(积)(木)(盒)(子)(为)(例)(,首)(先)(从)(流)(动)(性)(的)(问)(题)(来)(看)(,要)(保)(证)(平)(台)(有)(充)(足)(的)(现)(金)(流)(储)(备)(来)(支)(持)(平)(台)(的)(持)(续)(发)(展)(。积)(木)(盒)(子)(上)(线)(以)(后)(,在)(其)(后)(两)(年)(的)(时)(间)(里)(相)(继)(引)(入)(了)(3轮)(风)(险)(投)(资)(,投)(资)(方)(包)(括)(小)(米)(、顺)(为)(、经)(纬)(、Ventech、英)(国)(天)(达)(集)(团)(、淡)(马)(锡)(祥)(峰)(、海)(通)(证)(券)(等)(著)(名)(机)(构)(。董)(骏)(告)(诉)(独)(角)(金)(融)(,在)(最)(近)(两)(年)(的)(运)(营)(过)(程)(中)(,积)(木)(盒)(子)(能)(够)(维)(持)(盈)(利)(的)(状)(态)(,再)(加)(上)(集)(团)(公)(司)(在)(牌)(照)(方)(面)(的)(一)(些)(布)(局)(,确)(保)(留)(足)(9-18月)(的)(可)(支)(配)(现)(金)(。
其)(次)(从)(信)(心)(的)(角)(度)(来)(讲)(,要)(提)(振)(投)(资)(人)(信)(心)(,董)(骏)(认)(为)(就)(要)(把)(原)(先)(隐)(藏)(在)(水)(面)(下)(的)(获)(客)(方)(式)(、风)(控)(手)(段)(、资)(产)(数)(据)(等)(投)(资)(人)(不)(清)(楚)(、不)(了)(解)(的)(东)(西)(统)(统)(地)(拿)(出)(来)(给)(投)(资)(人)(看)(,做)(到)(透)(明)(。积)(木)(盒)(子)(的)(资)(产)(现)(在)(主)(要)(有)(两)(条)(线)(,一)(条)(线)(是)(个)(人)(消)(费)(者)(,一)(条)(线)(是)(小)(微)(企)(业)(。
其)(中)(小)(微)(企)(业)(贷)(款)(已)(经)(布)(局)(了)(全)(国)(50个)(城)(市)(,平)(均)(一)(单)(7、8万)(元)(,不)(断)(地)(下)(沉)(,朝)(着)(小)(额)(普)(惠)(的)(方)(向)(走)(。而)(在)(获)(客)(和)(风)(控)(上)(,由)(于)(有)(兄)(弟)(公)(司)(积)(木)(时)(代)(的)(线)(下)(资)(产)(开)(发)(和)(尽)(调)(体)(系)(,也)(能)(够)(在)(下)(沉)(市)(场)(的)(竞)(争)(和)(合)(作)(中)(保)(持)(优)(势)(。优)(质)(的)(真)(实)(资)(产)(,与)(稳)(定)(的)(风)(控)(和)(获)(客)(能)(力)(,显)(然)(是)(提)(振)(投)(资)(人)(和)(团)(队)(信)(心)(最)(有)(效)(的)(手)(段)(。
就)(如)(战)(争)(的)(结)(果)(往)(往)(在)(刚)(开)(始)(就)(几)(乎)(已)(经)(注)(定)(,平)(台)(能)(否)(获)(得)(稳)(定)(长)(期)(的)(发)(展)(,也)(是)(需)(要)(长)(时)(间)(的)(经)(验)(积)(累)(,以)(及)(合)(规)(与)(风)(控)(的)(建)(设)(,而)(这)(些)(,都)(不)(是)(一)(朝)(一)(夕)(之)(功)(。
合)(规)(是)(基)(础)(,发)(展)(要)(靠)(打)(造)(核)(心)(能)(力)(
5年)(时)(间)(,积)(木)(盒)(子)(见)(证)(了)(网)(贷)(行)(业)(发)(展)(的)(坎)(坷)(之)(路)(,也)(历)(经)(了)(多)(次)(的)(行)(业)(波)(动)(,在)(不)(断)(积)(累)(,不)(断)(沉)(淀)(的)(过)(程)(中)(,逐)(渐)(找)(准)(定)(位)(,在)(小)(微)(金)(融)(服)(务)(领)(域)(爆)(发)(了)(活)(力)(,从)(一)(个)(P2P平)(台)(发)(展)(成)(为)(包)(含)(P2P、小)(额)(信)(贷)(资)(产)(管)(理)(、企)(业)(征)(信)(的)(微)(金)(融)(集)(团)(。
对)(于)(行)(业)(未)(来)(的)(发)(展)(,董)(骏)(认)(为)(,金)(融)(服)(务)(不)(是)(赢)(家)(通)(吃)(的)(市)(场)(,它)(的)(规)(模)(足)(够)(的)(大)(,天)(花)(板)(足)(够)(的)(高)(,只)(要)(潜)(心)(去)(做)(,永)(远)(都)(有)(服)(务)(的)(机)(会)(。具)(体)(来)(说)(,品)(牌)(的)(价)(值)(需)(要)(经)(年)(累)(月)(的)(积)(累)(,保)(守)(的)(打)(法)(才)(是)(最)(有)(竞)(争)(力)(的)(打)(法)(。现)(在)(行)(业)(出)(现)(了)(较)(大)(波)(动)(,而)(在)(波)(动)(之)(中)(,就)(要)(真)(正)(考)(验)(一)(个)(平)(台)(是)(否)(具)(有)(扎)(实)(的)(东)(西)(,是)(否)(真)(正)(做)(到)(了)(合)(规)(,是)(否)(具)(备)(强)(劲)(的)(风)(控)(能)(力)(。
合)(规)(性)(在)(监)(管)(加)(强)(之)(后)(已)(成)(为)(网)(贷)(平)(台)(备)(案)(的)(先)(决)(条)(件)(。通)(过)(银)(行)(存)(管)(将)(用)(户)(资)(金)(与)(平)(台)(自)(有)(资)(金)(进)(行)(分)(账)(管)(理)(,保)(障)(用)(户)(账)(户)(资)(金)(安)(全)(;对)(平)(台)(的)(组)(织)(结)(构)(、股)(东)(、团)(队)(、运)(营)(数)(据)(、备)(案)(信)(息)(、收)(费)(标)(准)(等)(各)(方)(面)(信)(息)(进)(行)(披)(露)(,尤)(其)(是)(在)(借)(款)(标)(的)(中)(对)(借)(款)(人)(的)(身)(份)(、所)(属)(行)(业)(、收)(入)(状)(况)(、还)(款)(能)(力)(、征)(信)(状)(况)(等)(各)(方)(面)(进)(行)(披)(露)(,让)(信)(息)(公)(开)(透)(明)(,也)(成)(为)(投)(资)(人)(判)(断)(平)(台)(是)(否)(靠)(谱)(的)(重)(要)(标)(准)(。
合)(规)(是)(基)(础)(,基)(础)(之)(上)(,还)(必)(须)(具)(备)(核)(心)(竞)(争)(能)(力)(。做)(金)(融)(的)(核)(心)(能)(力)(是)(什)(么)(?董)(骏)(认)(为)(,一)(是)(资)(产)(管)(理)(能)(力)(,二)(是)(交)(易)(撮)(合)(能)(力)(。P2P作)(为)(网)(络)(借)(贷)(信)(息)(中)(介)(机)(构)(,本)(身)(的)(属)(性)(已)(经)(把)(交)(易)(撮)(合)(能)(力)(体)(现)(得)(淋)(漓)(尽)(致)(,相)(比)(之)(下)(,对)(于)(平)(台)(来)(说)(,资)(产)(管)(理)(能)(力)(才)(是)(更)(加)(核)(心)(的)(竞)(争)(能)(力)(。这)(其)(中)(包)(括)(了)(获)(客)(、风)(控)(、贷)(后)(管)(理)(以)(及)(催)(收)(等)(方)(方)(面)(面)(,是)(一)(个)(非)(常)(长)(的)(链)(条)(,需)(要)(在)(某)(个)(垂)(直)(领)(域)(进)(行)(打)(通)(才)(能)(获)(得)(优)(势)(。
在)(这)(方)(面)(,积)(木)(盒)(子)(在)(5年)(的)(发)(展)(历)(程)(中)(历)(经)(多)(次)(尝)(试)(,最)(终)(选)(择)(了)(消)(费)(和)(小)(微)(企)(业)(这)(两)(个)(垂)(直)(领)(域)(进)(行)(打)(通)(。对)(此)(,董)(骏)(解)(释)(,对)(于)(P2P来)(说)(,大)(额)(贷)(款)(可)(以)(承)(担)(较)(高)(的)(交)(易)(成)(本)(,体)(现)(不)(出)(互)(联)(网)(金)(融)(平)(台)(的)(核)(心)(优)(势)(与)(能)(力)(,也)(存)(在)(更)(高)(的)(风)(险)(。越)(小)(额)(的)(贷)(款)(,越)(小)(微)(的)(客)(户)(,传)(统)(金)(融)(机)(构)(做)(得)(不)(够)(好)(,互)(联)(网)(的)(技)(术)(和)(运)(营)(模)(式)(才)(能)(够)(真)(正)(地)(产)(生)(价)(值)(。这)(是)(很)(自)(然)(的)(过)(程)(,而)(监)(管)(的)(导)(向)(也)(证)(实)(了)(这)(一)(思)(路)(的)(正)(确)(性)(。
金)(融)(向)(来)(都)(是)(潜)(藏)(风)(险)(的)(行)(业)(。互)(联)(网)(金)(融)(短)(短)(十)(余)(年)(的)(发)(展)(历)(程)(中)(经)(历)(了)(多)(次)(的)(行)(业)(波)(动)(,危)(机)(的)(出)(现)(在)(某)(种)(程)(度)(上)(也)(是)(一)(个)(挤)(掉)(泡)(沫)(的)(过)(程)(。对)(于)(从)(业)(者)(来)(说)(,一)(个)(道)(理)(也)(越)(来)(越)(明)(晰)(,只)(有)(潜)(心)(做)(事)(,专)(心)(打)(造)(核)(心)(能)(力)(平)(台)(,才)(能)(够)(真)(正)(具)(备)(“跨)(越)(周)(期)(”的)(实)(力)(,走)(得)(更)(远)(。
小)(伙)(伴)(们)(怎)(么)(看)(董)(骏)(的)(观)(点)(,你)(觉)(得)(5年)(来)(,积)(木)(盒)(子)(成)(为)(了)(头)(部)(平)(台)(,而)(同)(时)(起)(步)(的)(很)(多)(企)(业)(却)(退)(出)(了)(市)(场)(,造)(成)(这)(种)(局)(面)(的)(决)(定)(性)(因)(素)(是)(什)(么)(?评)(论)(中)(见)(。返)(回)(搜)(狐)(,查)(看)(更)(多)(责)(任)(编)(辑)(:
声)(明)(:该)(文)(观)(点)(仅)(代)(表)(作)(者)(本)(人)(,搜)(狐)(号)(系)(信)(息)(发)(布)(平)(台)(,搜)(狐)(仅)(提)(供)(信)(息)(存)(储)(空)(间)(服)(务)(。
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