On Financial Services in Platform Economy
如今，网络金融无不在提平台合作，平台获客，今天我们来说说“平台经济”的问题。- 平台分类 -为了让我们所说的平台更加直观，我们首先需要对平台进行大体的分类。上面这个图描述了在生产流通消费环节，出现的四个平台类型，其实每个类型都代表了一个大的场景。1、消费平台。消费平台聚合了买与卖的消费关系。无论是平台自营，还是平台撮合，消费者支付，企业提供产品服务的交换模式没有改变，金融服务聚焦于C端的支付消费信贷服务，以及B端的收单现金管理服务。2、产业平台。产业平台聚合了生产与流通的产业关系。企业间的采购可能是一级，也可能是多级的，金融服务聚焦于商品从生产到流通各个环节的现金管理、信贷融资服务，这一整套服...
Nowadays, network finance is all about platform cooperation and platform customers. Today we are talking about "platform economy". - Platform Classification - In order to make what we call platforms more intuitive, we first need to classify platforms in general. The figure above describes four types of platforms that appear in the production, circulation and consumption links. In fact, each type represents a large scene. 1. Consumption platform. Consumer platforms aggregate the relationship between buying and selling. Whether it is platform self-operation or platform matching, consumer payment, the exchange mode of products and services provided by enterprises has not changed. Financial services focus on C-side payment consumer credit services, and B-side receipt cash management services. 2. Industrial platform. Industrial platforms aggregate the industrial relationship between production and circulation. Inter-enterprise procurement may be one-level or multi-level. Financial services focus on cash management and credit financing services in all aspects of commodity production and circulation.
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