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Rupa Islan
Jul 30, 2022
In Welcome to the Arts Forum
Recently, the Internet finance industry has ushered in a good news of IPO. On the evening of October 18, Beijing time, Qudian (formerly Qufenshi) was successfully listed on the New York Stock Exchange. The opening price was US$34.35, up 43.13%, and the market reached US$11.34 billion. The capital markets cheered. So the question is, how does the financial installment in the education market play? How should Internet staging be integrated with Buy email list the education industry? What are the similarities and differences between education installment and e-commerce installment? Will the education industry have an interesting installment model? Jack Ma analyzes it for you through this article. 1. The basic gameplay of Internet finance installment The top-level design of any business model is financial design. Whether large companies or entrepreneurs, they all hope to make money using financial methods. The core of finance is actually three things: deposit, loan, and remittance. Deposit: Deposit financial management, such as Yu’e Bao. Remittance: The flow of funds, such as WeChat payment. Loan: Loan installments, such as Ant Huabei. Installment is a "loan" in finance. Qudian (Qufenqi) earns money by providing Internet "loan" services. Online credit instalment is more convenient than traditional bank credit card instalment, especially for college students who are unwilling to accept instalment by many banks. The difference between education installment and e-commerce installment In Jack Ma's previous article, I have helped you analyze that there are many differences between the education industry and the e-commerce industry. In the education industry, you must respect the objective laws of the education industry. Considering the Internet online installment business, the particularities of the education industry are as follows: 1. The capital flow of the education industry is advance collection and slow carry-over. Users pay tuition in advance, and the delivery time of the teaching products and services they obtain is relatively long (compared to the logistics time of e-commerce). The installment payment is to lengthen the payment time period. After the installment is involved, the payment time and the service delivery time are lengthened. Therefore, the combination of the two will produce many interesting gameplays unique to the education industry. 2. The staging behavior of education is less frequent. E-commerce platforms such as Taobao and JD.com can calculate the consumption ability and repayment ability of users according to the frequency and amount of purchases of users, and then grant credit to users. However, neither educational institutions nor Internet education platforms can calculate the financial ability of users and grant credit based on the students’ previous education consumption behavior, because the education consumption of a single user is too low frequency and the data is too small to be trusted.
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Rupa Islan

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