The transaction volume of Tuan Dai Network has exceeded400Billion Strong people will always be strong and enter the forefront of the industry

11month27On the evening of the same day, according to data from the official website of TuanDai, its cumulative transaction volume has exceeded400Billion, from9month4Daily transactions are full300Billion to400Billion, Tuan Dai Network only used less than3Months.

At present, Internet finance has entered the centralized and standardized period, the threshold has significantly improved, the platform has accelerated differentiation, the cost of customer acquisition is high, rapid growth has become the past, and the industry development has ushered in an inflection point. The "Matthew Effect," which is a phenomenon in many mature industries, is playing out in the mutual fund industry, and the time tested "80/20 rule" is once again being reproduced, “90%The argument that the platform will shut down is rampant.

The transaction volume of Tuan Dai Network has broken through400Yi has once again proven that he has become a "strong" in the "Matthew Effect" and a "key minority" in the "Pareto Principle". I believe that he will be able to survive in the end10%In the platform, Tuan Dai Network can also be regarded as a backbone leader. Next, let's elaborate on the "path to success" of analyzing Tuan Dai Network from four perspectives: scale, compliance, capital, and profitability.

scale

According to data from NetEase, as of2016year10At the end of the month, the cumulative historical trading volume of the online lending industry2.97Trillion, it must have already surpassed it by now3trillion According to data from Zero One Finance,2016year10Month, nationwideP2PThe overall transaction volume of the industry is1819100 million, year-on-year growth92.4%The trading volume of a large number of small and medium-sized platforms has declined, while the proportion of trading volume on large platforms has increased, ranking among the top30The trading volume of the platform is approximately931Billion yuan, accounting for a percentage of the total industry volume51%。

According to official website data, as of11month28In the afternoon of the day, Tuandai Network has accumulated assistance in financing for enterprises and individuals400Billion4715Yuan, registered users reach412.2Ten thousand, number of transactions891.2Ten thousand times, cumulatively earning expected returns for investors22Billion9561Ten thousand, with various indicators ranking among the top in the industry, the scale advantage continues to expand.

compliance

Since the beginning of this year, a series of industry laws, regulations, and policy opinions have been successively introduced, and the entry threshold has been significantly raised. The policy arbitrage period of wild growth has become a thing of the past, and compliant operation has become the mainstream of the industry. "Penetrating" supervision requires that all specific businesses of enterprises must comply with the basic logic of finance, and licensing and transformation have become standard equipment for strength platforms.

10month20Recently, Tuan Dai Network announced that it will upgrade its brand strategy and plan to become a licensed comprehensive financial services group through equity investment and capital restructuring. Subsequently, TuanDai.com collaborated with the China Stock Exchange to launch the financial asset exchange product "Anyingbao"; Acquisition of Dashang Small Loan30.95%The equity has officially obtained the license for online small loans; Invest in Mu Jinnong through capital increase1250Ten thousand yuan, enter the hottest rural finance currently. In just over a month, the brand upgrade plan of TuanDai.com has been implemented one after another, leading the way in licensed and compliant operations.

capital

In the capital market,CRound is often the last round of financing before going public, which is crucial for companies to move up to a higher level and have a better safety margin. Can you get itCRound financing indicates that the enterprise has a relatively mature business model, a clear profit model, and has begun to have a certain amount of cash flow. according toITStatistics on oranges, as of2016year11month25The day has already raised funds toCThe online lending platform only12Home, these enterprises are particularly valuable in the current increasingly severe "asset shortage".

9month8On the evening of the same day, the parent company of Tuan Dai Network, Light Shadow Hero, announced that it plans to introduce external investors to increase the capital premium of its three wholly-owned subsidiaries, with a maximum increase in capital not exceeding3.75Billion yuan, led by Hongshang Light and Shadow. At this point, the 'Group Loan Network System'A、B、CAccumulated three rounds of financing6.75RMB100mn

profit

After several years of rapid development, the Internet financial industry is still facing a common profit problem. Most online loan platforms are operating at a loss or low profit, and they still cannot find a sustainable profit path in the short term. Data shows that as of2016year10At the end of the month, the number of platforms operating normally in China was2154Home, among them, only has10The home platform disclosed profit information in media interviews with corporate executives,8The home platform disclosed its profit information on its official website or financial report, totaling18Home, insufficient number of normal operating platforms1%。

10month31On the same day, the parent company of Tuan Dai Network, Light Shadow Hero, released its third quarter report. The report shows that,2016year1-9In the month, the company achieved operating income5.76100 million yuan, year-on-year growth11223.87%Total profit reached1.39One billion yuan, net profit attributable to shareholders is1.03RMB100mn According to public data statistics, the profitability ranking of Tuandai Network is the industry's "runner up", second only to Yiren Loan, which is listed in the United States.