缺陷的商业模式

• 作 者: 陆亦琦
• 出 处: 中国广告
• 发表日期: 2016年08期
• 关键词: 资金募集 利源 借贷 高额回报 一丝 公立医院 缺陷 私立医院 传统商业银行 风险投资人

近期,随着e租宝、鑫利源等一系列P2P跑路或不能兑付的现象出现,我们不得不对这个曾经看似完美的商业模式再次解读,以求从中寻得一丝经验或教训。P2P之所以叫People to People这个名字,是因为它想跳过银行,自主集资、自主借贷,并从中盈利。这活看似很顺理成章:以传销式高额回报承诺将资金募集起来(不少是因为年纪缘故判断力有所下降的老年人),再以高额利率出借给需要资金的企业(很多是

Recently, with e-Po, Xinliyuan and a series of P2P running or unbearable phenomenon, we have to once again seemingly perfect business model once again in order to seek a hint of experience or lessons learned. P2P is called People to People name because it wants to skip the bank, self-financing, self-financing, and profit from. This seems plausible: pledging to raise funds in the form of pyramid selling promises of high returns (many of whom are seniors whose judgment declines due to old age) and lending them at high interest rates to companies in need of funds (many of which are