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聚美优品做金融,单骑救主的奇兵还是不务正业的臭棋?

来源: 南方日报网络版     时间: 2018年12月17日 13:09:21
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PK10注册送68信誉平台官方,招龙虎和代理注册实力诚招代理Q扣99277339时时彩龙虎和,意彩彩票代理,意彩官网,意彩平台注册,意彩乐官网,意彩娱乐官方网站聚美优品做金融,单骑救主的奇兵还是不务正业的臭棋?

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(原)(标)(题)(:聚)(美)(优)(品)(做)(金)(融)(,单)(骑)(救)(主)(的)(奇)(兵)(还)(是)(不)(务)(正)(业)(的)(臭)(棋)(?
作)(者)(:薛)(洪)(言)(
近)(日)(,聚)(美)(优)(品)(悄)(然)(上)(线)(“颜)(值)(贷)(”,开)(始)(布)(局)(消)(费)(金)(融)(业)(务)(。本)(来)(,对)(电)(商)(类)(企)(业)(而)(言)(,布)(局)(消)(费)(金)(融)(早)(已)(是)(顺)(理)(成)(章)(的)(事)(情)(,但)(考)(虑)(到)(聚)(美)(自)(身)(在)(主)(业)(上)(面)(临)(着)(转)(型)(的)(压)(力)(,比)(如)(上)(市)(三)(年)(市)(值)(下)(跌)(超)(九)(成)(带)(来)(的)(广)(泛)(质)(疑)(,这)(一)(布)(局)(便)(引)(发)(了)(市)(场)(的)(广)(泛)(解)(读)(,有)(观)(点)(认)(为)(,聚)(美)(应)(该)(把)(精)(力)(放)(在)(主)(业)(上)(,而)(非)(在)(金)(融)(业)(务)(上)(开)(展)(多)(元)(化)(布)(局)(;也)(有)(人)(认)(为)(,布)(局)(金)(融)(业)(务)(本)(身)(也)(许)(可)(以)(助)(力)(聚)(美)(走)(出)(当)(前)(的)(困)(境)(。
所)(以)(,今)(天)(我)(们)(不)(妨)(就)(讨)(论)(一)(下)(,对)(聚)(美)(优)(品)(而)(言)(,消)(费)(金)(融)(业)(务)(究)(竟)(是)(单)(骑)(救)(主)(的)(奇)(兵)(还)(是)(不)(务)(正)(业)(的)(臭)(棋)(呢)(?
聚)(美)(做)(金)(融)(,究)(竟)(能)(牵)(扯)(多)(少)(精)(力)(?
聚)(美)(布)(局)(颜)(值)(贷)(,是)(否)(属)(于)(不)(务)(正)(业)(呢)(?一)(个)(重)(要)(的)(判)(断)(条)(件)(便)(是)(企)(业)(需)(要)(投)(入)(多)(少)(精)(力)(。如)(果)(说)(投)(入)(的)(精)(力)(有)(限)(,那)(无)(论)(怎)(么)(算)(,都)(不)(能)(叫)(不)(务)(正)(业)(。
从)(当)(前)(被)(媒)(体)(公)(开)(的)(资)(料)(来)(看)(,颜)(值)(贷)(并)(非)(聚)(美)(优)(品)(独)(立)(研)(发)(上)(线)(的)(产)(品)(,而)(是)(采)(取)(了)(当)(下)(比)(较)(流)(行)(的)(联)(合)(贷)(款)(模)(式)(,聚)(美)(出)(场)(景)(和)(用)(户)(、乐)(信)(金)(融)((分)(期)(乐)()负)(责)(风)(控)(、金)(融)(机)(构)(出)(资)(金)(。
可)(见)(,颜)(值)(贷)(整)(个)(产)(品)(流)(程)(中)(,最)(费)(精)(力)(的)(风)(控)(和)(贷)(后)(环)(节)(都)(是)(外)(包)(的)(,聚)(美)(只)(负)(责)(场)(景)(和)(客)(户)(,而)(这)(两)(者)(恰)(恰)(都)(是)(现)(成)(的)(,并)(不)(需)(要)(额)(外)(付)(出)(太)(多)(精)(力)(,说)(聚)(美)(因)(此)(而)(不)(务)(正)(业)(显)(然)(就)(言)(过)(其)(实)(了)(。
问)(题)(来)(了)(,如)(果)(这)(仅)(仅)(是)(产)(品)(上)(线)(初)(期)(的)(业)(务)(模)(式)(呢)(?保)(不)(准)(聚)(美)(优)(品)(会)(慢)(慢)(把)(核)(心)(的)(风)(控)(环)(节)(也)(抓)(在)(自)(己)(手)(里)(,届)(时)(会)(不)(会)(牵)(扯)(大)(量)(精)(力)(和)(资)(源)(呢)(?其)(实)(问)(题)(也)(不)(大)(。
笔)(者)(在)(《传)(言)(今)(日)(头)(条)(布)(局)(金)(融)(,晚)(了)(吗)(?》一)(文)(中)(已)(经)(谈)(到)(,当)(前)(消)(费)(金)(融)(尤)(其)(是)(现)(金)(贷)(业)(务)(几)(乎)(成)(为)(了)(互)(联)(网)(金)(融)(业)(务)(的)(标)(配)(,原)(因)(无)(他)(,门)(槛)(比)(较)(低)(。消)(费)(金)(融)(业)(务)(最)(具)(技)(术)(含)(量)(的)(便)(是)(风)(控)(,恰)(恰)(风)(控)(已)(经)(不)(是)(门)(槛)(。有)(数)(据)(做)(风)(控)(自)(然)(是)(好)(,没)(有)(数)(据)(也)(可)(以)(采)(购)(第)(三)(方)(成)(熟)(方)(案)(开)(始)(布)(局)(,至)(于)(效)(果)(如)(何)(都)(不)(是)(问)(题)(,只)(要)(坚)(持)(“利)(率)(覆)(盖)(风)(险)(”的)(原)(则)(,业)(务)(便)(能)(持)(续)(下)(去)(。对)(于)(聚)(美)(而)(言)(,除)(了)(第)(三)(方)(风)(控)(产)(品)(的)(支)(撑)(,自)(身)(还)(有)(优)(质)(的)(电)(商)(场)(景)(数)(据)(,建)(立)(符)(合)(自)(身)(生)(态)(客)(户)(特)(征)(的)(大)(数)(据)(风)(控)(模)(型)(并)(非)(难)(事)(。
风)(控)(问)(题)(搞)(定)(后)(,其)(他)(的)(环)(节)(也)(不)(是)(问)(题)(。首)(先)(,资)(金)(不)(是)(问)(题)(,在)(当)(前)(的)(行)(业)(环)(境)(下)(,有)(客)(户)(、有)(优)(质)(场)(景)(,资)(金)(方)(自)(会)(找)(上)(门)(来)(;其)(次)(,获)(客)(不)(是)(问)(题)(,对)(创)(业)(型)(消)(费)(金)(融)(机)(构)(而)(言)(,最)(难)(的)(便)(是)(获)(客)(,单)(个)(客)(户)(的)(获)(取)(成)(本)(高)(达)(千)(元)(以)(上)(,而)(聚)(美)(在)(短)(期)(内)(没)(有)(这)(个)(问)(题)(;最)(后)(,贷)(后)(催)(收)(也)(不)(是)(问)(题)(,当)(前)(的)(消)(费)(金)(融)(生)(态)(圈)(已)(经)(非)(常)(成)(熟)(,大)(可)(以)(把)(这)(部)(分)(业)(务)(外)(包)(出)(去)(。
因)(此)(,无)(论)(是)(维)(持)(目)(前)(的)(业)(务)(模)(式)(还)(是)(更)(深)(入)(地)(介)(入)(风)(控)(等)(核)(心)(环)(节)(,对)(电)(商)(出)(身)(的)(聚)(美)(而)(言)(,消)(费)(金)(融)(业)(务)(都)(不)(会)(牵)(扯)(太)(多)(的)(精)(力)(,谈)(不)(上)(不)(务)(正)(业)(。
颜)(值)(贷)(能)(助)(力)(聚)(美)(主)(业)(转)(型)(成)(功)(吗)(?
先)(说)(结)(论)(,也)(不)(会)(。结)(合)(颜)(值)(贷)(业)(务)(模)(式)(、聚)(美)(本)(身)(的)(体)(量)(以)(及)(整)(个)(消)(费)(金)(融)(行)(业)(环)(境)(来)(看)(,颜)(值)(贷)(产)(品)(都)(难)(言)(大)(的)(空)(间)(,某)(种)(程)(度)(上)(甚)(至)(对)(聚)(美)(主)(业)(的)(转)(型)(无)(足)(轻)(重)(。
先)(看)(颜)(值)(贷)(当)(前)(的)(业)(务)(模)(式)(。颜)(值)(贷)(属)(于)(典)(型)(的)(资)(金)(方)(、风)(控)(方)(和)(场)(景)(方)(三)(方)(合)(作)(的)(联)(合)(贷)(款)(产)(品)(,通)(常)(情)(况)(下)(,资)(金)(方)(不)(承)(担)(实)(质)(风)(险)(,只)(拿)(8-10%左)(右)(的)(固)(定)(利)(率)(;风)(控)(方)(负)(责)(风)(险)(审)(批)(,也)(要)(对)(不)(良)(进)(行)(兜)(底)(,拿)(浮)(动)(收)(益)(部)(分)(;而)(场)(景)(方)(只)(是)(提)(供)(场)(景)(和)(用)(户)(,也)(只)(拿)(固)(定)(收)(益)(提)(成)(。所)(以)(,颜)(值)(贷)(产)(品)(的)(利)(息)(收)(益)(,扣)(除)(资)(金)(成)(本)(后)(,负)(责)(风)(控)(的)(乐)(信)(金)(融)(会)(拿)(走)(大)(头)(,聚)(美)(也)(只)(是)(分)(一)(杯)(羹)(而)(已)(。
再)(看)(聚)(美)(本)(身)(的)(体)(量)(。2016年)(年)(报)(显)(示)(,报)(告)(期)(内)(,聚)(美)(优)(品)(实)(现)(营)(收)(62.7亿)(元)(人)(民)(币)(,较)(2015年)(的)(73亿)(元)(下)(跌)(15%,而)(据)(中)(国)(电)(子)(商)(务)(研)(究)(中)(心)(监)(测)(数)(据)(显)(示)(,2016年)(中)(国)(B2C网)(络)(零)(售)(市)(场)(,聚)(美)(优)(品)(的)(份)(额)(仅)(占)(0.7%。颜)(值)(贷)(本)(质)(上)(属)(于)(聚)(美)(生)(态)(圈)(内)(产)(品)(,聚)(美)(的)(交)(易)(规)(模)(和)(消)(费)(金)(融)(渗)(透)(率)(两)(项)(指)(标)(决)(定)(了)(颜)(值)(贷)(放)(贷)(规)(模)(的)(天)(花)(板)(,从)(发)(展)(趋)(势)(上)(看)(,聚)(美)(似)(乎)(面)(临)(着)(较)(为)(严)(峻)(的)(增)(长)(压)(力)(,也)(很)(难)(期)(待)(颜)(值)(贷)(产)(品)(能)(够)(有)(爆)(发)(式)(的)(增)(长)(。
考)(虑)(到)(颜)(值)(贷)(产)(品)(能)(够)(促)(进)(聚)(美)(的)(商)(品)(销)(售)(,不)(排)(除)(聚)(美)(会)(利)(用)(颜)(值)(贷)(做)(一)(些)(促)(销)(活)(动)(补)(贴)(用)(户)(,比)(如)(三)(零)(分)(期)((零)(首)(付)(、零)(费)(率)(、零)(利)(率)()、限)(期)(免)(息)(等)(,就)(更)(难)(指)(望)(颜)(值)(贷)(能)(够)(显)(著)(改)(善)(聚)(美)(的)(盈)(利)(能)(力)(。
最)(后)(看)(看)(消)(费)(金)(融)(市)(场)(本)(身)(。当)(前)(的)(消)(费)(金)(融)(市)(场)(,巨)(头)(已)(经)(密)(集)(涌)(入)(,各)(个)(细)(分)(领)(域)(也)(都)(有)(创)(业)(机)(构)(占)(据)(先)(发)(优)(势)(,对)(于)(颜)(值)(贷)(这)(个)(后)(来)(者)(而)(言)(,在)(聚)(美)(生)(态)(圈)(内)(可)(无)(忧)(发)(展)(,但)(要)(走)(出)(生)(态)(圈)(外)(,便)(要)(额)(外)(投)(入)(大)(量)(的)(资)(源)(和)(精)(力)(,结)(果)(也)(未)(必)(特)(别)(理)(想)(。对)(当)(前)(的)(聚)(美)(而)(言)(,站)(在)(成)(本)(收)(益)(比)(的)(角)(度)(,似)(乎)(不)(值)(冒)(险)(一)(试)(。大)(概)(率)(上)(看)(,颜)(值)(贷)(应)(该)(主)(要)(还)(是)(个)(生)(态)(圈)(内)(的)(试)(水)(产)(品)(,短)(期)(内)(不)(会)(走)(出)(去)(。
综)(上)(来)(看)(,在)(可)(预)(期)(的)(将)(来)(,颜)(值)(贷)(的)(发)(展)(空)(间)(和)(收)(入)(空)(间)(都)(存)(在)(明)(显)(的)(天)(花)(板)(,几)(乎)(不)(可)(能)(成)(为)(助)(力)(聚)(美)(主)(业)(转)(型)(的)(奇)(兵)(。
或)(许)(不)(必)(过)(度)(解)(读)(
所)(以)(,对)(于)(聚)(美)(上)(线)(颜)(值)(贷)(这)(件)(事)(,大)(概)(只)(是)(电)(商)(平)(台)(进)(行)(流)(量)(变)(现)(的)(常)(规)(手)(段)(罢)(了)(,本)(身)(并)(不)(具)(有)(什)(么)(战)(略)(性)(的)(含)(义)(,不)(必)(过)(度)(解)(读)(。
最)(后)(谈)(谈)(所)(谓)(的)(颜)(值)(贷)(是)(否)(涉)(嫌)(违)(规)(开)(展)(校)(园)(贷)(业)(务)(的)(问)(题)(,在)(笔)(者)(看)(来)(,就)(颜)(值)(贷)(本)(身)(所)(承)(载)(的)(微)(薄)(作)(用)(和)(意)(义)(来)(看)(,聚)(美)(几)(乎)(不)(存)(在)(任)(何)(动)(力)(为)(了)(颜)(值)(贷)(而)(去)(做)(任)(何)(违)(规)(的)(事)(情)(,更)(何)(况)(校)(园)(贷)(本)(身)(依)(旧)(在)(风)(口)(浪)(尖)(,无)(论)(是)(监)(管)(还)(是)(媒)(体)(,都)(盯)(得)(很)(紧)(,任)(何)(顶)(风)(作)(案)(的)(侥)(幸)(都)(是)(愚)(不)(可)(及)(的)(表)(现)(。所)(以)(,笔)(者)(更)(愿)(意)(相)(信)(,颜)(值)(贷)(修)(订)(前)(的)(产)(品)(协)(议)(中)(提)(到)(的)(大)(学)(生)(字)(样)(,真)(的)(只)(是)(疏)(忽)(罢)(了)(。毕)(竟)(,哪)(有)(那)(么)(多)(阴)(谋)(论)(呢)(。返)(回)(搜)(狐)(,查)(看)(更)(多)(责)(任)(编)(辑)(:
声)(明)(:该)(文)(观)(点)(仅)(代)(表)(作)(者)(本)(人)(,搜)(狐)(号)(系)(信)(息)(发)(布)(平)(台)(,搜)(狐)(仅)(提)(供)(信)(息)(存)(储)(空)(间)(服)(务)(。
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