文/薛洪言近日，写了几篇网贷相关的文章，有个读者朋友留言称，“一直想不明白，一些创业公司凭什么能在互联网金融上站稳脚跟，p2p性质是有巨大客户量和消费场景的巨头玩的”。在这位朋友看来，“p2p的两大难点，获客来源（取决于先有场景）和风控控制（取决于数据），都是巨头玩的”，我的回复则是“获客不需要借助什么场景，理财自身即是场景；而风控所需数据，实战中的真实借款人借贷数据远比场景中的行为数据要重要”。 这个问题很好，其实，在互联网金融的几个细分业态里，第三方支付、众筹、消费金融等，基本都是巨头的天下，唯独P2P领域，成交量排名前20的平台，基本都是创业企业的天下。其实，创业企业在P2P行业的成功，...
/ Xue Hongyan recently, wen wrote several net loan related article, a reader comments friends said, "don't understand, some start-ups with what can gain a foothold in the Internet financial, p2p properties is a huge amount of customers and consumer scenario giants play". In the friend's view, "the two difficulties of p2p, a guest source (depending on the first scenario) and risk control control (depending on the data), are giant play", my response is "a guest do not need to use what scenario, financial management itself is scenario; and risk control the required data, actual combat real lending to borrowers in the data is far more important than in the scene behavior data". This question is very good, in fact, in several segmentation Internet financial forms, third-party payment, the raise, consumer finance, basic it is giant of the world, only P2P area, volume of the top 20 platform, basic it is the world of venture enterprises. In fact, the success of start-ups in the P2P industry,...
