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Auto finance blockchain company
Publish: 2021-04-21 01:13:36
1. In 2017, he began to work in the blockchain instry for three years, which witnessed the instry from obscurity to sudden outbreak and then to calm. Let's make a conclusion first. If you are willing to spend money, I suggest you go to professional IT consulting and delivery companies like ThoughtWorks / starwalker. In my understanding, the market is roughly divided into
1. The underlying chain platform providers, such as ant / network, usually only provide chain and development tools, but the specific instry / scenario solutions and development delivery capabilities are limited, which is not their focus. They want to use blockchain to package and sell more cloud services
2. Blockchain solution companies usually provide blockchain solutions in their own familiar fields, but most of them are small and medium-sized teams or start-up teams. Most of them have little difference in blockchain technology capabilities and have a deep understanding of their respective fields
however, the biggest problem for such companies is that because the blockchain instry is still in its early stage and there is no mature business model or profit model, most of them need external investment to continue their life, which leads to the difficulty in guaranteeing their service ability or continuous performance ability, and frankly speaking, their business is unstable
on the other hand, because it is not a professional end-to-end delivery or professional outsourcing, it has no mature methods, team and project management to ensure the efficient and complete delivery of a blockchain solution. So for buyers, it is easy to get out of control in the process of project development, or it is difficult to get satisfactory delivery results in the end
another common problem is that most customers do not know what to do with blockchain and how to combine their business to do a valuable and meaningful blockchain project. Under this kind of cognition, I blindly find a company to directly develop on the scheme, and it's easy to regret or even give up halfway after doing it. I see too many such projects, I can't figure out the situation, and I don't know what I want to do. It's easy to set up a blockchain. This kind of company usually does not have the ability of pre-sale business consulting, business analysis and planning, in other words, the ability to help you understand the situation. In a word, if you know what you want, it may be OK to find them. If you don't know, it's better to find a professional consulting company honestly
3. IT consulting and delivery companies, which are usually specialized in serving large customers in various instries, have a set of consulting and end-to-end delivery methods and team support. Well, there are not many blockchain businesses in these companies, because they are not limited to the narrow business of blockchain, such as Accenture or some domestic companies. However, ThoughtWorks is slightly different. It has a blockchain division, pre-sales consulting / business analysis services, and delivery services. Then it has blockchain projects in its own major customers in various instries. Automobile, finance, retail, energy, agriculture and so on
1. The underlying chain platform providers, such as ant / network, usually only provide chain and development tools, but the specific instry / scenario solutions and development delivery capabilities are limited, which is not their focus. They want to use blockchain to package and sell more cloud services
2. Blockchain solution companies usually provide blockchain solutions in their own familiar fields, but most of them are small and medium-sized teams or start-up teams. Most of them have little difference in blockchain technology capabilities and have a deep understanding of their respective fields
however, the biggest problem for such companies is that because the blockchain instry is still in its early stage and there is no mature business model or profit model, most of them need external investment to continue their life, which leads to the difficulty in guaranteeing their service ability or continuous performance ability, and frankly speaking, their business is unstable
on the other hand, because it is not a professional end-to-end delivery or professional outsourcing, it has no mature methods, team and project management to ensure the efficient and complete delivery of a blockchain solution. So for buyers, it is easy to get out of control in the process of project development, or it is difficult to get satisfactory delivery results in the end
another common problem is that most customers do not know what to do with blockchain and how to combine their business to do a valuable and meaningful blockchain project. Under this kind of cognition, I blindly find a company to directly develop on the scheme, and it's easy to regret or even give up halfway after doing it. I see too many such projects, I can't figure out the situation, and I don't know what I want to do. It's easy to set up a blockchain. This kind of company usually does not have the ability of pre-sale business consulting, business analysis and planning, in other words, the ability to help you understand the situation. In a word, if you know what you want, it may be OK to find them. If you don't know, it's better to find a professional consulting company honestly
3. IT consulting and delivery companies, which are usually specialized in serving large customers in various instries, have a set of consulting and end-to-end delivery methods and team support. Well, there are not many blockchain businesses in these companies, because they are not limited to the narrow business of blockchain, such as Accenture or some domestic companies. However, ThoughtWorks is slightly different. It has a blockchain division, pre-sales consulting / business analysis services, and delivery services. Then it has blockchain projects in its own major customers in various instries. Automobile, finance, retail, energy, agriculture and so on
2. In 2017, he began to work in the blockchain instry for three years, which witnessed the instry from obscurity to sudden outbreak and then to calm. Let's make a conclusion first. If you are willing to spend money, I suggest you go to professional IT consulting and delivery companies like ThoughtWorks / starwalker. In my understanding, the market is roughly divided into
1. The underlying chain platform providers, such as ant / network, usually only provide chain and development tools, but the specific instry / scenario solutions and development delivery capabilities are limited, which is not their focus. They want to use blockchain to package and sell more cloud services
2. Blockchain solution companies usually provide blockchain solutions in their own familiar fields, but most of them are small and medium-sized teams or start-up teams. Most of them have little difference in blockchain technology capabilities and have a deep understanding in their respective fields
however, the biggest problem of such companies is that because the blockchain instry is still in its early stage, and there is no mature business model or profit model, most of them need external investment to continue their life, which leads to the difficulty in guaranteeing their service ability or continuous performance ability, and frankly speaking, their business is unstable
on the other hand, because it is not a professional end-to-end delivery or professional outsourcing, it does not have mature methods, team and project management to ensure the efficient and complete delivery of a blockchain solution. So for buyers, it is easy to get out of control in the process of project development, or it is difficult to get satisfactory delivery results in the end
there is also a common problem, that is, most customers do not know what to do with blockchain and how to combine their business to do a valuable and meaningful blockchain project. Under this kind of cognition, I blindly find a company to directly develop on the scheme, and it's easy to regret or even give up halfway after doing it. I see too many such projects, I can't figure out the situation, and I don't know what I want to do. It's easy to set up a blockchain. This kind of company usually does not have the ability of pre-sale business consulting, business analysis and planning, in other words, the ability to help you understand the situation. In a word, if you know what you want, it may be OK to find them. If you don't know, it's better to find a professional consulting company honestly
3. IT consulting and delivery companies, which are usually specialized in serving large customers in various instries, have a set of consulting and end-to-end delivery methods and team support. Well, there are not many blockchain businesses in these companies, because they are not limited to the narrow business of blockchain, such as Accenture or some domestic companies. However, ThoughtWorks is slightly different. It has a blockchain division, pre-sales consulting / business analysis services, and delivery services. Then it has blockchain projects in its own major customers in various instries. Automobile, finance, retail, energy, agriculture and so on
1. The underlying chain platform providers, such as ant / network, usually only provide chain and development tools, but the specific instry / scenario solutions and development delivery capabilities are limited, which is not their focus. They want to use blockchain to package and sell more cloud services
2. Blockchain solution companies usually provide blockchain solutions in their own familiar fields, but most of them are small and medium-sized teams or start-up teams. Most of them have little difference in blockchain technology capabilities and have a deep understanding in their respective fields
however, the biggest problem of such companies is that because the blockchain instry is still in its early stage, and there is no mature business model or profit model, most of them need external investment to continue their life, which leads to the difficulty in guaranteeing their service ability or continuous performance ability, and frankly speaking, their business is unstable
on the other hand, because it is not a professional end-to-end delivery or professional outsourcing, it does not have mature methods, team and project management to ensure the efficient and complete delivery of a blockchain solution. So for buyers, it is easy to get out of control in the process of project development, or it is difficult to get satisfactory delivery results in the end
there is also a common problem, that is, most customers do not know what to do with blockchain and how to combine their business to do a valuable and meaningful blockchain project. Under this kind of cognition, I blindly find a company to directly develop on the scheme, and it's easy to regret or even give up halfway after doing it. I see too many such projects, I can't figure out the situation, and I don't know what I want to do. It's easy to set up a blockchain. This kind of company usually does not have the ability of pre-sale business consulting, business analysis and planning, in other words, the ability to help you understand the situation. In a word, if you know what you want, it may be OK to find them. If you don't know, it's better to find a professional consulting company honestly
3. IT consulting and delivery companies, which are usually specialized in serving large customers in various instries, have a set of consulting and end-to-end delivery methods and team support. Well, there are not many blockchain businesses in these companies, because they are not limited to the narrow business of blockchain, such as Accenture or some domestic companies. However, ThoughtWorks is slightly different. It has a blockchain division, pre-sales consulting / business analysis services, and delivery services. Then it has blockchain projects in its own major customers in various instries. Automobile, finance, retail, energy, agriculture and so on
3. In the two sessions of this year, many provinces have incorporated the blockchain into the local "14th five year plan". It can be seen that the role of the blockchain is still very big. It is understood that at present, blockchain has been applied in many instries, such as government affairs, finance, supply chain, energy, chemical instry, agriculture, medicine, automobile, intellectual property and so on. It can be said that it is one of the core technology engines of new infrastructure
let's talk about the most understandable one. Isn't garbage sorting advocated now? In order to better promote the implementation of waste classification policy and effectively enhance the well-being of residents, Hangzhou Qulian Technology Co., Ltd. and Xi'an Sikes Internet of things Co., Ltd. jointly developed the first "Qulian intelligent waste classification system" based on "blockchain + aiot" technology in China. This system has been implemented in many communities and instrial parks in Hangzhou, such as "new lake Shangri La", "new lake film" and "cloud fox science and Technology Park", and has been widely praised.
let's talk about the most understandable one. Isn't garbage sorting advocated now? In order to better promote the implementation of waste classification policy and effectively enhance the well-being of residents, Hangzhou Qulian Technology Co., Ltd. and Xi'an Sikes Internet of things Co., Ltd. jointly developed the first "Qulian intelligent waste classification system" based on "blockchain + aiot" technology in China. This system has been implemented in many communities and instrial parks in Hangzhou, such as "new lake Shangri La", "new lake film" and "cloud fox science and Technology Park", and has been widely praised.
4. 2018 is a tortuous year for the automotive instry. After 30 years of rapid growth, new car sales began to decline continuously from the second half of 2018, and even showed negative growth for the first time. As an important part of the automobile instry chain, automobile finance is also facing unprecedented challenges and difficulties. In addition to the depression of the auto market, the auto finance instry is also facing more stringent financial supervision. Is the future auto finance difficult or another way< This report is divided into four parts:
the first part clarifies the definition of auto finance, analyzes the driving factors of auto finance from a macro perspective, and analyzes the situation of auto finance market
the second part explores the business characteristics, advantages and disadvantages of retail auto finance participants, and comprehensively analyzes the application of financial technology in retail auto finance instry
the third part studies the relevant situation of dealer auto finance, discusses the development mode of dealer auto finance and the application of financial technology
in the fourth part, according to the current situation of the auto finance instry, the difficulties and challenges faced by the auto finance instry are analyzed, and the development trend of the auto finance instry is predicted
the research scope of this report is narrow auto finance, which is divided into retail auto finance and dealer auto finance, and describes the current situation of participants from two aspects, discusses the application of financial technology in auto finance, and takes the current market situation as a guide, so as to find out the challenges and future development trend of auto finance
instry overview
the research scope of this report is automobile finance in a narrow sense, which refers to the financial services provided to automobile buyers and sellers at the stage of automobile sales, including retail automobile finance and dealer automobile finance
China's auto finance instry has developed for more than 20 years. After four stages of germination, outbreak, adjustment and revitalization, it has entered the stage of diversified competition since 2008. In 2016, the market scale exceeded one trillion for the first time and is still growing. Policy, economy, society and technology are favorable factors to promote the development of automobile instry
retail auto finance
retail auto finance procts mainly include new car loans, second-hand car loans, after-sale leaseback and direct rent, which are used to alleviate the financial pressure of consumers when they obtain the ownership or use right of cars
there are four main types of participants in retail auto finance: commercial banks, auto finance companies, Internet platforms and financial leasing companies. The four participants are different in the main proct model, capital cost, loan interest rate, credit requirements and so on
the technology applications of retail auto finance include artificial intelligence, cloud computing, big data, blockchain, etc. the application scope covers the whole auto finance chain before, ring and after the loan, forming a closed loop. In the pre loan phase, financial technology is mainly used to optimize the loan process, and optimize the risk model by using diversified big data to improve the risk control ability; In the central loan section, financial technology is mainly used to provide additional services for customers and early warning of default risk; In the post loan phase, financial technology is mainly used to optimize the collection method of overe loans, and collect credit information of auto financial service process for the next round of service credit investigation, forming a credit closed loop
dealer auto finance
the main procts of dealer auto finance include new car and second-hand garage deposit and financing, exhibition hall construction loan, spare parts loan, maintenance equipment loan and financial services provided to dealers in other auto sales links, so as to relieve the short-term cash flow pressure of dealers and other auto sellers and assist secondary marketing
dealer auto finance is mainly composed of three participants, namely commercial banks, auto finance companies and Internet platforms. Commercial banks and auto financing companies have stable capital sources and loan scenarios, with the highest market share and the largest scale; Internet platform has the highest capital cost, high risk of capital rupture and the smallest share, which is only used as a supplement for commercial banks and auto financing companies
through the application of financial technology, dealers' auto financial service institutions realize intelligent loan process, inventory management and risk control. The application of financial technology in dealer auto finance covers the whole process of pre loan, in loan and post loan. Artificial intelligence realizes the online, automatic and intelligent whole process of dealer loan; Big data has been fully applied in enterprise credit investigation, anti fraud and credit evaluation; Blockchain optimizes the auto finance loan process of dealers to ensure the security of funds and information
challenges and trends
after more than 20 years of development, auto finance in China has formed a relatively mature competitive pattern. However, in recent years, with the changes of economic situation and instry, automobile finance is facing unprecedented challenges. Opportunities often go hand in hand with challenges. The bottleneck of an instry is usually an opportunity for an enterprise to stand out. Based on the results of desktop research, enterprise visit and expert interview, this paper summarizes six challenges and seven development trends of auto finance in China.
the first part clarifies the definition of auto finance, analyzes the driving factors of auto finance from a macro perspective, and analyzes the situation of auto finance market
the second part explores the business characteristics, advantages and disadvantages of retail auto finance participants, and comprehensively analyzes the application of financial technology in retail auto finance instry
the third part studies the relevant situation of dealer auto finance, discusses the development mode of dealer auto finance and the application of financial technology
in the fourth part, according to the current situation of the auto finance instry, the difficulties and challenges faced by the auto finance instry are analyzed, and the development trend of the auto finance instry is predicted
the research scope of this report is narrow auto finance, which is divided into retail auto finance and dealer auto finance, and describes the current situation of participants from two aspects, discusses the application of financial technology in auto finance, and takes the current market situation as a guide, so as to find out the challenges and future development trend of auto finance
instry overview
the research scope of this report is automobile finance in a narrow sense, which refers to the financial services provided to automobile buyers and sellers at the stage of automobile sales, including retail automobile finance and dealer automobile finance
China's auto finance instry has developed for more than 20 years. After four stages of germination, outbreak, adjustment and revitalization, it has entered the stage of diversified competition since 2008. In 2016, the market scale exceeded one trillion for the first time and is still growing. Policy, economy, society and technology are favorable factors to promote the development of automobile instry
retail auto finance
retail auto finance procts mainly include new car loans, second-hand car loans, after-sale leaseback and direct rent, which are used to alleviate the financial pressure of consumers when they obtain the ownership or use right of cars
there are four main types of participants in retail auto finance: commercial banks, auto finance companies, Internet platforms and financial leasing companies. The four participants are different in the main proct model, capital cost, loan interest rate, credit requirements and so on
the technology applications of retail auto finance include artificial intelligence, cloud computing, big data, blockchain, etc. the application scope covers the whole auto finance chain before, ring and after the loan, forming a closed loop. In the pre loan phase, financial technology is mainly used to optimize the loan process, and optimize the risk model by using diversified big data to improve the risk control ability; In the central loan section, financial technology is mainly used to provide additional services for customers and early warning of default risk; In the post loan phase, financial technology is mainly used to optimize the collection method of overe loans, and collect credit information of auto financial service process for the next round of service credit investigation, forming a credit closed loop
dealer auto finance
the main procts of dealer auto finance include new car and second-hand garage deposit and financing, exhibition hall construction loan, spare parts loan, maintenance equipment loan and financial services provided to dealers in other auto sales links, so as to relieve the short-term cash flow pressure of dealers and other auto sellers and assist secondary marketing
dealer auto finance is mainly composed of three participants, namely commercial banks, auto finance companies and Internet platforms. Commercial banks and auto financing companies have stable capital sources and loan scenarios, with the highest market share and the largest scale; Internet platform has the highest capital cost, high risk of capital rupture and the smallest share, which is only used as a supplement for commercial banks and auto financing companies
through the application of financial technology, dealers' auto financial service institutions realize intelligent loan process, inventory management and risk control. The application of financial technology in dealer auto finance covers the whole process of pre loan, in loan and post loan. Artificial intelligence realizes the online, automatic and intelligent whole process of dealer loan; Big data has been fully applied in enterprise credit investigation, anti fraud and credit evaluation; Blockchain optimizes the auto finance loan process of dealers to ensure the security of funds and information
challenges and trends
after more than 20 years of development, auto finance in China has formed a relatively mature competitive pattern. However, in recent years, with the changes of economic situation and instry, automobile finance is facing unprecedented challenges. Opportunities often go hand in hand with challenges. The bottleneck of an instry is usually an opportunity for an enterprise to stand out. Based on the results of desktop research, enterprise visit and expert interview, this paper summarizes six challenges and seven development trends of auto finance in China.
5. Introction: Zhejiang Baicai Financial Information Service Co., Ltd. was established on September 26, 2014 with a registered capital of 100 million yuan. Its brand nanny Qian is the first o2o Internet financial information service platform in China. With the help of the Internet's efficiency, convenience and equality, and relying on the projects and risk control CO operated outlets distributed across the country, nanny Qian focuses on short-term, high-yield and low-risk high-quality projects such as auto finance and government bank re lending to build the first brand of Internet consumer finance! Nanny Qian mainly has financial procts such as government bank refinancing, car Jubao and government private asset management. Government bank refinancing is an innovative measure led by the government to help small and medium-sized and micro enterprises solve the financing difficulties and high financing cost, graally guide the sunshine of private capital, and greatly rece the financing cost of small and medium-sized and micro enterprises. Chejubao means that when a car buyer applies to buy a car by installments, an auto financial service company advances the remaining balance of the purchase money for the car buyer, so as to realize the demand of the car customers to pick up the car in advance and the quick return of the sales money from the car dealers. After the bank approves the loan, it will transfer the loan to the car buyer to the auto financial services company in the form of entrusted payment. Government and civil asset management is a kind of directional collective fund projects initiated by capital management institutions. These projects are registered in government financial institutions and supervised by them in accordance with government financing management regulations and relevant rules. The capital flow is fully managed by the agreement bank, which is used to support the development of local private enterprises and provide a new channel for the docking of private capital and physical projects. Nanny Qian won the "excellent enterprise award of Internet financial consumer protection" in the first Internet financial consumer protection Summit Forum in 2015. In order to promote the healthy and steady development of Internet finance, promote the vigorous development of enterprises and tap new wealth with the protection of consumers' rights and interests, "2015 first Internet Finance consumer rights and interests protection Summit Forum" was solemnly opened in Renmin University on the 14th. After the meeting, Xinhuanet awarded the "money nanny" excellent enterprise award for Internet financial consumer protection
legal representative: ye Jiangming
time of establishment: September 26, 2014
registered capital: RMB 100 million
Business Registration No.: 330102000130155
enterprise type: limited liability company (invested or controlled by natural person)
address: room 706, Minghao building, 1688 Binsheng Road, Changhe street, Binjiang District, Hangzhou City, Zhejiang Province
legal representative: ye Jiangming
time of establishment: September 26, 2014
registered capital: RMB 100 million
Business Registration No.: 330102000130155
enterprise type: limited liability company (invested or controlled by natural person)
address: room 706, Minghao building, 1688 Binsheng Road, Changhe street, Binjiang District, Hangzhou City, Zhejiang Province
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