A few days ago, the China Banking and Insurance Regulatory Commission issued the "Notice on Strengthening the Management of Commercial Banks' Internet Loan Business to Improve the Quality and Efficiency of Financial Services". The title looks rather long. If you are interested, you can search for it yourself. To sum up, it can be summed up in one sentence: Internet finance Spring is back. Compared with traditional offline finance, Internet finance is not limited by time and place, and can most conveniently provide services for those enterprises and individuals with capital needs. With the rapid development of the mobile Internet, it also brings a lot of risks to my country's entire financial system, and the regulatory policy is constantly tightened.
Affected by the epidemic in the past two years, it is difficult for traditional finance to ensure people's capital needs anytime, anywhere due to its own business focus. In order to strengthen support for the real economy, the China Banking and Insurance Regulatory b2b data Commission issued the "Notice" to set a transition period in accordance with the principle of "breaking the old and the new". implement. The "Notice" affirms the important role played by Internet Fintech in the financial system, especially in the context of long-term repeated epidemics, which requires Fintech's support for traditional financial business in terms of customer acquisition and risk control. In this process,
Internet financial technology products should seize the time window. On the one hand, they should continue to apply for consumer finance licenses. On the other hand, they should expand their advantages in customer acquisition and risk control to make up for the deficiencies of traditional finance. 2. To seize the window period, how should mutual gold products be optimized to improve user conversion? In my previous article "Dismantling the User Behavior Path Before Credit Granting and Optimizing the Process of Consumer Finance Business Entry", I disassembled the points worthy of optimization under different steps of the incoming part according to the user behavior path. Next, I will classify users from a business perspective and look for product optimization solutions.